May 1, 2006

DO NOT CALL POLICY

Topdot Mortgage believes that the protection of a consumer’s right to privacy is essential in building long lasting relationships with consumers.  Pursuant to this belief, we are committed to honoring a consumer’s right to not receive mortgage related solicitations from us. We engage in numerous marketing campaigns designed to attract consumers to the mortgage services and products we offer. One of the primary methods we utilize to market our company’s services to prospective and current consumers is through telephone solicitation. While we are always willing to discuss the many loan products and services we provide to consumers, we are committed to honoring the consumer’s right not to be contacted.

The federal government and many states have passed laws that place restrictions on calls made to residential phone numbers for the purpose of selling products or services. Two federal laws are involved: the Telephone Sales Rule (TSR), administered by the Federal Trade Commission (FTC), and the Telephone Consumer Protection Act (TCPA), administered by the Federal Communications Commission (FCC).

If you are not listed on the National Do Not Call list or State Do Not Call list and still do not want to be contacted by us, please contact us. Your request can be submitted either by phone or mail:

Phone:
1-800-269-6296

Mail:
Topdot Mortgage
125 Jericho Turnpike, Suite 400
Jericho, New York 11753

Please note that our Do Not Call policy does not prevent us from calling consumers on the National or State Do Not Call list if:

• An Existing Business Relationship exists between Premium Capital Funding LLC dba Topdot Mortgage and you. This relationship exists when you have transacted a loan with us in the previous 18 months.
• You have contacted us, pursuant to one of our marketing campaigns and inquired about our services/products within the last 3 months.
• We contact you for non-solicitation purposes. This type of contact would include: customer service follow-ups, etc.

Pursuant to our beliefs and in order to comply with Federal and State Do Not Call regulations, we have adopted and implemented the following procedures to ensure that we honor a consumer’s right to privacy:

1. Obtained subscriptions to the FTC’s National Do Not Call registry, the FCC Ported Wireless registry, and applicable state specific Do Not Call registries.
2. Updating and monitoring our Federal and State DNC list so that new telephone numbers added to the DNC lists are updated on a timely basis (every 30 days).
3. Creation of a company specific internal Do Not Call list, which is updated in real time and monitored on a daily basis.
4. Established scrubbing protocol that ensures1) customer information is scrubbed on a timely basis against Federal, State, Company specific Do Not Call lists and 2) scrubbed initially before any telephone solicitation is attempted.
5. Establish a Company specific written Do Not Call policy. This policy is available to all consumers upon demand.
6. Training employees on Company Do Not Call policy and protocol. Educating employees on any applicable DO Not Call industry trends and/or regulation changes.
7. Maintain policy that ensures that: Requests to be placed on the PCF specific Do Not Call list are properly recorded and DNC listed consumers are not called unless PCF receives consumers express written consent.
8. Developing internal monitoring procedure to ensure that employees are acting in compliance with company policy.
9. Establish clear requirements that all lead vendor providers must adhere to when distributing leads to us.
10. Implement procedures for dealing with: 1) people that claim their number is already on a Do Not Call registry or is on our specific Do Not Call list, 2) an inadvertent call to a person whose number is on the Do Not Call registry or on our Do Not Call list.

If you have any questions or comments regarding our Do Not Call policy please contact us at 1-800-562-6152 and ask to be connected with the department that handles Do Not Call matters.