IDM 4.5.1 - Image file not being added to message in Send Email or Send Email from template

IDM 4.5.0 or IDM 4.5.1
Out of the box Integrated install on Windows Server 2012R2 Standard
Using a simple loopback driver, to create a policy to send email or send email from template which includes reference to a image file (per IDM documentation), fails to include the image in the message.    This was functional in IDM 4.0.2.

Documentation:  https://www.netiq.com/documentation/idm45/idm_notification/?page=/documentation/idm45/idm_notification/data/bhby213.html
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To attach an image to an e-mail, ensure that you place the image files in the correct directory depending on your platform:

UNIX/Linux: Place the images in the /opt/novell/eDirectory/lib/dirxml/rules/manualtask/mt_files directory.

Windows: Place the images in the <eDirectory installation folder>\NDS\mt_files directory. 

In your e-mail template, use the following syntax to attach images:

<p> <img ALT="your image" SRC="cid:orchid.gif" height="29
width="80/> </p>
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Using a simple loopback driver to send email from template, and selecting the default "forgot password" template (installed with the integrated install) which has the following reference to the powered_by_novell.gif file, does not include the image in the email.

<p>
<img ALT="Powered by Novell" SRC="cid:powered_by_novell.gif" height="29" width="80"/>
</p>

Image file is found in the NetIQ/IdentityManager\NDS\mt_files directory, per instructions.   File was installed there by the integrated install.

Additionally if you do a send email (not from template) and include a reference to an image file in the message, it fails to include the image as well.