12.2 Computer Usage Policy

Computers, computer systems, and business email accounts provided by the Company in the offices or otherwise generally are for business use only.

Agents and employees may use a Company computer for personal word-processing and Internet browsing only if no one else in the office needs the computer for business purposes. If someone needs the computer for a business reason, the person using it for personal tasks must stop and give the business user immediate access.

Personal data and files (including those created pursuant to section 2) may not be stored on Company computers or Company software systems.

Internet usage:

1. Computers or software systems provided by the Company may be used for business-related Internet browsing (also called “surfing”). Generally, agents and employees should not use Company computers for recreational or personal Internet browsing.

2. The occasional use of Company computers for recreational or personal Internet browsing is permitted on the same conditions as the use of Company computers for personal purposes. (See sections 2 and 3 above.)

3. Under no circumstances may Company computers be used for browsing Web sites containing inappropriate content. Examples of inappropriate content include racial or ethnic “hate” content, content that is excessively violent, and sexually explicit content.

4. Under no circumstances may Company computers be used for communications with or communication methods provided by Web sites containing inappropriate content. For examples of what content would be considered inappropriate, see section 4c above. “Communications” and “communication methods” include any type of use of the computer to communicate; examples are “chat,” “chat rooms,” “instant messaging,” discussion groups and e-mail.

E-mail usage:

If an agent or employee maintains e-mail files on Company computers, those files are not considered private or confidential and may be reviewed by Company management at the Company’s discretion.

Agents and employees will provide, at the request of the Company, copies of any e-mail communications they possess regarding any client, customer, or transaction involving the Company or its sales associates on any computer including personal computers.

Agents and employees may not defame any person in any e-mail communication.

Agents and employees may not use inappropriate language in any e-mail communication. “Inappropriate language” includes profanity, “hate” speech, and sexually explicit speech.

Agents and employees will be solely responsible for any contracts obligating them that were entered into via an e-mail communication. If the Company becomes liable for a contract made by an agent or employee in an e-mail communication, the agent or employee will promptly reimburse the Company for the costs of the contract and/or the Company will have the right to deduct such costs from any pending commissions due the agent or salary due the employee.

All e-mail communications must conform to state and federal laws. (See the Company’s Commercial E-Mail Policy for more on the federal CAN-SPAM law, which regulates commercial e-mail.)

Any communications transmitted or communication methods used via an agent’s personal computer or a company computer must be appropriate and within all applicable local, state, and federal laws. Under no circumstances may Company computers be used to communicate any type of inappropriate content or language. (For examples of what would be considered inappropriate content and language, see sections 4c and 5d above. For the definition of “communications” and “communication methods,” see section 4d above.)

Agents and employees must obey all applicable laws and regulations in their business and personal use of Company computers; this includes use for e-mail and Internet browsing. Applicable areas of the law include: copyright, trademark, defamation of character, libel, slander, fraud and misrepresentation.

Privacy:

Because the computer systems and communication systems (including all networking systems) are Company owned, all material, communications, information, and usage may be monitored and regulated by the Company in any way, method, or manner deemed necessary and appropriate.

No agent or employee shall retain, maintain, or own any rights to any information or communication stored on or routed through Company computers or their primary email address used for business.

No agent or employee shall have any privacy rights regarding any information accessed or created, communication transmitted, or activity conducted using Company computer systems or their business email accounts, regardless of the reason for the use.