Exhibit 10.2
  JOINT MARKETING AGREEMENT
  MARKETING, FAMS REPORTS, AND RELATED MATTERS
 1.1 FAMS Reports and Marketing Activities
  1.2 Format of FAMS Reports
 1.3 Restriction on Use of FAMS Reports
 1.4 Compliance




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1.5 Site Availability
 Business Continuity
   Incident Response and Reporting
      1.6 Customer Service
 1.7 Manner of Providing FAMS Reports
  -2-




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1.8 Authentication
 1.9 Fulfillment Procedures
 1.10 Billing and Volume
 1.11 Related Matters
 1.12 Representations, Warranties, and Covenants
 2
TERM and TERMINATION
 2.1 Term
 2.2 Termination for Cause
 2.3 Effect of Termination
   -3-




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3
PAYMENT FOR FAMS REPORTS; COLLECTIONS
 3.1 FAMS Charges; Collections
 3.2 Payment Terms
 3.3 Effect of Price Changes
 3.4 Sales Tax Exhibit C
 4
CONFIDENTIAL AND OTHER PROTECTED INFORMATION
 4.1  Section 4 provided however provided however
  -4-




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4.2 Consumer Data
 a.
    
    Each party will limit the persons who have access to the Consumer Data to
employees and agents who have a need to have access to such information in order to
enable that party to provide the services under this Agreement (Authorized Persons).
FAMS may also provide the Consumer Data to Credco and to the Repositories in order to
provide the FAMS Reports under this Agreement;
 b.
    
    Neither party will make any copies of any Consumer Data except secure backups and
will require all Authorized Persons to agree to the same limitation. FAMS and Credco
may maintain copies of the Consumer Data to meet its obligations under applicable law,
including, but not limited to the Fair Credit Reporting Act, as amended;
 c.
    
    Each party will institute procedures to protect the confidentiality of the
Consumer Data such as keeping materials in a locked room to which persons other than
Authorized Persons will not have access;
 d.
    
    Each party shall implement such other security procedures that NCRC and FAMS may
mutually agree are reasonably required from time to time.
 e.
    
    Each party shall permit FAMS to audit the Security Procedures during normal
business hours upon seven (7) days prior notice, subject to the audit limitations
stated in paragraph 1.11, above.
 5
DISCLAIMERS AND LIMITATION ON LIABILITIES
 5.1
 6
INDEMNIFICATION
   -5-




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7
SECURITY BREACH
 .
 8
GENERAL
   -6-




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Assignment
   FIRST ADVANTAGE MEMBERSHIP SERVICES, INC.
    
    NationalCreditReport.com, L.L.C.By:
    /s/ Jason Olerich
    
    By:

    /s/ William
J. CaragolPrinted:
    
    Jason Olerich
    
    
    Printed:
    

William
J. CaragolIts:
    
    
    Director
    
    
    Its:
    
    
    CEO
  -7-




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EXHIBIT A-1
 Internet Security Requirements
 A.
    
    NCRC will be permitted to allow Consumer Users to access FAMS Reports at a secure
location (Secure Site) located on NCRCs web site, known as www.NCRC (NCRC Website),
that is accessible only by the particular Consumer User who ordered the information.
 B.
    
    NCRC represents and warrants to FAMS that (a) a Consumer User will be able to access
FAMS Reports through the Internet only at the Secure Site, and (b) each time NCRC provides
a Consumer User access to FAMS Reports at the Secure Site, NCRC will have in effect a
written agreement with the Consumer User that authorizes NCRC, on behalf of the Consumer
User, to place the Consumer Users order for the FAMS Report with FAMS. NCRC certifies to
FAMS that each time it places such orders with FAMS for FAMS Reports; NCRC will do so
solely on behalf of the authenticated Consumer User that ordered such information pursuant
to the Consumer Users written instructions.
 C.
    
    In order to enter the Secure Site, a Consumer User must use a unique user logon
identification code and password (Logon Code and Password, respectively).
 D.
    
    NCRC agrees that prior to transmitting any FAMS Reports or non-public consumer
information (Consumer Information) (FAMS Reports and Consumer Information being referred
to cumulatively as Subject Information) through the Internet, or permitting any Consumer
User to access such information at the Secure Site, NCRC will maintain in effect each of
the following security procedures to prevent unauthorized use or dissemination of Subject
Information:
 1.
    
    All transmissions of Subject Information through the Internet will be
encrypted. 128-bit SSL/TLS or higher strength encryption is required.
 2.
    
    Subject Information must also be protected when stored on servers,
subject to at least the following requirements:
 (A)
    
    Servers storing Subject Information must be separated by
firewall or other comparable method from publicly accessible web-servers;
 (B)
    
    Subject Information must not be stored on a server that
can be accessed by TCP services directly from the Internet and should not be
referenced in public domain name services (DNS) tables;
 (C)
    
    All security access to these servers, both physical and
network, must include authentication and, in the case of network security,
passwords that are changed at least every 90 days; and
 (D)
    
    All servers must be kept current with all operating
system patches, within 90 calendar days at they become available.
 3.
    
    When displaying Subject Information, no Subject Information can be stored
permanently on the presentation server(s). NCRC shall use the presentation
server(s) only to receive the HTTP services. All HTML shall be dynamically created
or interpreted by the application server. The presentation server(s) shall only
receive the data and process it back and forth to the application server. Data
transmitted between NCRCs browser and the application server must not be cached, in
any form, on the presentation server(s).
 4.
    
    Subject Information may not be shared with, or accessed by any person
other than an Authorized Employee (as defined below). All transmission of Subject
Information is subject to all the terms and conditions contained in these Internet
Security Requirements. Only Authorized Employees shall have computer network or
terminal or any other access to any Subject Information. Authorized Employees are
employees of NCRC who have a need to access Subject Information in order to carry
out their official duties with NCRC for the purposes specified in this Agreement.
Prior to providing an Authorized Employee with access to any Subject Information,
NCRC will provide the Authorized Employee with adequate training regarding these
Internet Security Requirements and the Fair Credit Reporting Act (FCRA) and other
applicable laws, and will require the Authorized Employee to agree to comply with
all such requirements and laws (together, Employee Requirements). Without
limiting the generality of the foregoing, NCRC will inform all Authorized Employees
that unauthorized access to information in Credit Reports may subject them to civil
and criminal liability under the FCRA and other applicable laws, punishable by
fines, imprisonment, or both. NCRC will not add any employee as an Authorized
Employee unless the employee has received the required training and has agreed to
comply with the Employee Requirements.
  -8-




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5.
    
    NCRC shall implement adequate security measures in order to prevent use
or access of Subjection Information by persons other than Authorized Employees,
including, without limitation, the following: (a) assigning each Authorized Employee
a unique Internet identification and password (together, Operator Passwords), (b)
changing the Operator Passwords at least once every ninety (90) days or sooner if a
specific Authorized Employee is no longer responsible for accessing Subject
Information or NCRC has learned or suspects that there has been unauthorized access
to an Operator Password, (c) limiting knowledge of the Subject Information and
Operator Passwords to Authorized Employees and strictly prohibiting the sharing,
disclosure or public display of any such information, (d) using all security
features in the software and hardware used to access Subject Information, (e) not
transferring any hardware or software between locations without deletion of all
Subject Information and Operator Passwords, and (f) if unauthorized access to
Subject Information is discovered or suspected, immediately notifying FAMS and
further undertaking all remedial efforts within its power and control to cure such
unauthorized access or use.
 6.
    
    NCRC will obtain and maintain in effect throughout the term of this
Agreement, a third party network security certification and review in form and
substance reasonably satisfactory to FAMS. The third party utilized by NCRC must be
one of the following: (1) Cybertrust, (2) Foundstone, Inc., (3) ePlus (4)
International Network Service, or (5) Secure Works, Inc. The certification and
review will include the following:
 (A)
    
    A scan of all external IP addresses to determine if
vulnerabilities exist in the NCRCs infrastructure;
 (B)
    
    Intrusion testing on at least a calendar quarter basis;
 (C)
    
    Review of security policies and procedures and incident
management.
 7.
    
    NCRCs Internet connection must be protected with dedicated,
industry-recognized firewalls that are configured and managed to adhere to industry
best practices.
 8.
    
    Subject Information may only be held on a secure server which can only be
accessed by a secure presentation server, through one of the following:
 (A)
    
    Dual or multiple firewall method (preferred)  This
methods consists of a firewall between the Internet and the presentation
server(s) and another firewall between the presentation server(s) and the
application server holding the Subject Information. The network firewall
should ensure that only the presentation server is allowed to access the
application server holding Subject Information.
 (B)
    
    Single firewall method (acceptable)  When a dual
firewall method is not feasible, a single firewall will provide acceptable
levels of protection. The firewall should be installed between the Internet
and the presentation server. Multiple interfaces to separate the
presentation server and the application server holding Subject Information
are required. The firewall should be configured to allow only the
presentation server access to the application server holding Subject
Information.
 9.
    
    All administrative access to the firewalls and servers should be through
a secure internal network. No direct modem access should be available to the
firewalls or servers.
 10.
    
    No internal Internet Protocol (IP) addresses should be publicly available
or natively routed to the Internet.
 11.
    
    The internal network should not provide any external access to any
firewall or servers without proper strong authentication or through firewalls.
 12.
    
    Any exceptions or alerts must be logged and reviewed by NCRC and
maintained for at least one (1) year for review by FAMS.
 13.
    
    If approved in writing by FAMS, NCRC may utilize an alternative method of
Consumer User verification, in the form of issuance by NCRC, and use by the Consumer
User, of a User ID and password. FAMS requires that NCRC securely protect each
Consumer Users User ID and password. Password security procedures must offer
appropriate protections against random access and provide for regular password
changes. Normally, the initial password must be issued by NCRC and not created by
the Consumer User.
  -9-




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E.
    
    NCRC agrees that it will not archive, store, or use any FAMS Reports received from FAMS
(whether on any server or any other component of NCRCs network, NCRCs Website, any Secure
Site, or otherwise), and it will purge all such information as soon as no longer needed by
the Consumer User who ordered it, but in no event will NCRC store any FAMS Reports for more
than five (5) days without FAMS written approval. In no event will NCRC resell such
information or distribute, disseminate, transfer, or provide other access to such
information to any person unless agreed to by FAMS under terms and conditions agreed to by
NCRC and FAMS, except that NCRC shall provide access to such information to the Consumer
User who ordered it as provided in this Agreement. NCRC shall be responsible, in event of
NCRC error, for any migration or leakage of Subject Information, or any other transfer of
such information, to any location that can be accessed by any person other than the
Consumer User that ordered it.
 F.
    
    FAMS may, from time to time, change any of the requirements herein (including by
imposing new requirements or procedures or modifying existing ones) by giving NCRC written
notice of the change. NCRC will conform its systems, applications, process, and procedures
to comply with, or seek mutual clarification of, the change not later than the effective
date specified by FAMS in the notice, or if none is specified, thirty (30) days after
receipt of the notice.
 G.
    
    Compliance by NCRC with the above listed requirements shall not relieve NCRC from the
obligation to observe any other or further contractual, legal or regulatory requirements,
nor shall FAMSs review or approval of any of NCRCs systems, applications, processes, or
procedures constitute or be deemed to constitute the assumption by FAMS of any
responsibility or liability for compliance by NCRC with any of the same. NCRC shall remain
solely responsible for the security of its systems and the security of all Subject
Information received by it from FAMS and for any breach of that security. FAMS retains the
right, in its sole discretion, to withhold approval of Internet access of FAMS Reports for
any reason. FAMS may suspend or terminate access to the Subject Information at any time if
FAMS has reason to believe that NCRC has violated any of these Internet Security
Requirements or any contractual, legal, or regulatory requirements, rules or terms. NCRC
will be provided a detailed explanation pertaining to the termination and will be allowed
the ability to cure such non-compliance within seven (7) days from official notice.
 EXHIBIT A-2
 
 ACCEPTANCE OF TERMS
    -10-




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ARBITRATION
    Experian:
    
    1-800-EXPERIAN (1-888-397-3742)Equifax:
    
    1-800-685-1111Trans Union:
    
    1-800-916-8800
  -11-




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
    
    You certify in writing that you are unemployed and intend to apply for employment
in the next 60 days;
 
    
    You are a recipient of public welfare assistance;
 
    
    You have reason to believe that your file at the consumer reporting agency
contains inaccurate information due to fraud;
 
    
    You have been denied credit, insurance, or employment within the past 60 days as
a result of your Credit Report;
  www.annualcreditreport.com
    MODIFICATION OF SERVICES
  DISCLAIMERS AND LIMITATIONS OF LIABILITY
    -12-




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NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT
    Privacy Policy Notice
  LEGAL NOTICE
        -13-




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EXHIBIT A-3
    1.
    
    A prominently displayed message informing the consumer that his or her credit profile
will be consulted for a stated purpose and no other, and that clicking on the I AGREE
button constitutes written instructions under the Fair Credit Reporting Act. Sample
disclosure language is provided below;
 2.
    
    The I AGREE button must immediately follow the notice provided above. Also, the
notice and I AGREE button must be separate from any other notice or message contained on
the NCRC website (i.e., not part of any general privacy notice);
 3.
    
    A second click by the consumer following a statement asking the consumer to confirm his
or her agreement. Sample language for a second, confirming click is provided below;
 4.
    
    The ability of the consumer to fully review any of the terms to which he or she is
agreeing immediately preceding the consensual click. This means that the notice and
message must be in full text above the I AGREE button and cannot be contained in a
separate part of the website with a notification that the consumer may review the terms if
he or she wishes by clicking a separate icon;
 5.
    
    The consumer must not be able to proceed in the process without affirmatively agreeing
to the terms in the notice, and confirming the agreement with a second click;
 6.
    
    The consumer must have the ability to print out the terms to which he or she is
agreeing (i.e., the ability to print out the notice and consent provided in 1 above); and
 7.
    
    NCRC must have the ability to download or otherwise store the fact that the consumer
has provided written instructions by clicking I AGREE. This cannot be satisfied by the
fact that the consumer is not permitted to go further in the process unless he or she
clicks I AGREE. NCRC must have the ability to print out a log or other document that
indicates affirmatively that the consumer consented by clicking I AGREE, and preferably
the date and time of the consent.
      -14-




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Exhibit B
 Customer User Service Standards
 Customer Service Provider
 Exhibit B
 Customer Service Hours
 (a)
    
    Customer Service shall be provided during no less than the following hours: Monday through
Friday from 9a.m. to 9:00 p.m. EST. Customer service will not be provided on the following
days: New Years Day, Memorial Day, Independence Day, Labor Day, Thanksgiving and Christmas.
 Customer Service Average Response Time
 (a)
    
    Customer Service Response Time (CS Response Time), with respect to a call placed by a
Consumer to CREDCO customer service facility means the time that elapses between the time the
call is connected and the time the call is answered by a live operator who is fully qualified
to resolve the Consumer Users Request, including any time the Consumer is placed on hold
after the call is initially answered.
 (b)
    
    Average CS Response Time, with respect to a day, means the average CS Response Time of all
calls placed by Consumer Users to CREDCO customer service facility during such day.
 (c)
    
    The Average CS Response Time shall be 80% of all calls answered within 60 seconds with any
time a Consumer User is placed on hold after the call is initially answered being included in
this time calculation.
 (d)
    
    CREDCO shall take the following action if the Average CS Response Time in any given day does
not meet 80% of all calls answered within 60 seconds as provided above: CREDCO shall promptly
deliver to NCRC a written explanation and statement, acceptable to NCRC, of its plans to
ensure that the Average CS Response Time is met and shall make reasonable efforts to achieve
that objective within thirty (30) days after delivering the statement.
 Customer Service Abandonment
 (a)
    
    Abandoned Customer Service Call (Abandoned CS Call) means any call placed by a Consumer
User to CREDCO customer service facility that ends prior to being answered and resolved by a
live operator, either because (i) the caller ended the call because the wait time exceeded 60
seconds, or (ii) the call was terminated through no act of the caller.
 (b)
    
    Customer Service Abandonment Rate (CS Abandonment Rate), with respect to a day, is the
ratio of (i) all Abandoned CS Calls for each such day to (ii) all calls placed by Consumer
Users to CREDCO customer service facility on such day.
 (c)
    
    The CS Abandonment Rate shall be no more than seven percent (7%).
 Additional Reporting Requests
   -15-




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Exhibit C
 ***
    
    ***
    
    ***
    
    ***
    
    ***1B Experian Report
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***1B TransUnion Report
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***1B Equifax Report non CSC State
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***1B Equifax Report CSC State
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***3B Report non CSC State
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***3B Report CSC State
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***1B Experian Monitoring
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***1B TransUnion Monitoring
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***1B Equifax Monitoring
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***3B Monitoring
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***Online Authentication
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***1B Score
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***3B Score
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***What if Simulator (TransUnion report required)
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***Customer Service
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***Customer Service Training
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***Customer Service Curriculum Development
    
    ***
    
    ***
    
    ***
    
    ***
    
    ***Credit Interface Set-Up Fee
    
    ***
    
    N/A
    
    N/A
    
    N/A
    
    N/A***Minimum
    
    ***
    
    ***
 Product
    
    Info/Notes1B Report
    
    Experian Report3B Report non CSC State3B Report CSC State
    
    Arkansas, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana,
Minnesota, Missouri, North Dakota, Nebraska, Ohio, Oklahoma, Texas,
Wisconsin1B Monitoring
    
    Experian Monitoring3B Monitoring
    
    Daily MonitoringOnline Authentication
    
    Experian L3 Product1B Score
    
    TU Algorithm score range 150- 9303B Score
    
    TU Algorithm score range 150- 930What if Simulator
    
    Charged per consumer use (unlimited simulations for 30 days)Customer Service
    
    Volume tier is based on per minute of talk time, includes long distanceCustomer Service Training
    
    Per HourCustomer Service Curriculum Development
    
    Per Hour
   -16-