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                                                                    EXHIBIT 10.3

INFORMATION FOR WHICH CONFIDENTIAL TREATMENT HAS BEEN REQUESTED PURSUANT TO RULE
406 OF THE SECURITIES ACT OF 1933, AS AMENDED, IS OMITTED AND IS NOTED WITH **.
A COPY OF THIS AGREEMENT, INCLUDING ALL INFORMATION FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION.

                                    AGREEMENT

         THIS AGREEMENT is made and entered into as of the 29day of April 2001,
         by and between Intersections Inc.(INTERSECTIONS), a Delaware
         corporation with its principal place of business located at 14930 Bogle
         Drive, Chantilly, VA 20151, and Discover Financial Services., a
         Delaware corporation, with its principal place of business located at
         2500 Lake Cook Road, Riverwoods, IL 60015 ("DFS").

         WHEREAS, INTERSECTIONS is in the business of providing consumer credit
fraud prevention, detection, monitoring and notification products and certain
administrative services related thereto;

         WHEREAS, DFS is a credit card servicer;

         WHEREAS, INTERSECTIONS desires to offer its services to selected
persons who have a credit card serviced by DFS ("Cardmembers");

         WHEREAS, DFS wishes to have INTERSECTIONS make its consumer credit
monitoring and notification product and related administrative services
available to its Cardmembers; and

         NOW THEREFORE, in consideration of the mutual covenants and agreements
contained herein, and for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto intending to be
legally bound hereby agree as follows:

         1.       The Product. The product to be offered by INTERSECTIONS is
described in Exhibit A ("Product") attached to and made a part of this
Agreement. Any changes to the Product, including Product price, must be agreed
to in writing by the parties.

         2.       Services. The services to be provided by INTERSECTIONS in
connection with the Product are described in Exhibit B ("Services") attached to
and made a part of this Agreement. Any changes of the Services must be agreed to
in writing by the parties. INTERSECTIONS will comply with the procedures and
meet the service standards set forth in Exhibit C attached to and made a part of
this Agreement. In addition, INTERSECTIONS will prepare and submit to DFS the
reports set forth in Exhibit D, and the business and growth plans set forth in
Exhibit F attached to and made a part of this Agreement.

         3.       Compensation. INTERSECTIONS agrees to pay compensation to DFS
for sales of the Product in the amount and manner described in Exhibit E
attached to and made a part of this Agreement.

         4.       Term and Termination.

                  a.       Term. This Agreement shall commence on May 1, 2001,
and continue for a period of thirty-six (36) months unless terminated earlier in
accordance with this Paragraph. The prior agreement between INTERSECTIONS and
DFS commenced on May 1, 1998 and ended April 30, 2001. This Agreement shall
automatically renew for successive 12 month terms ("Renewal Terms") unless
either party gives written notice of its intent not to renew at least sixty (60)
days prior to the last day of the then current term.

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                  b.       Termination. This Agreement will terminate upon sixty
(60) days written notice by either party, or sooner if required by law, in the
event of the adoption of legislation or other such authority which (i)
necessitates the discontinuance or substantial curtailment of the solicitation
or sale of the Product, or (ii) has the effect of materially reducing the
compensation specified in this Agreement earned by either party in connection
with the Product, provided that the parties use their best efforts to remedy the
circumstances giving rise to the right to terminate this Agreement. At any time,
either party may terminate this Agreement effective immediately upon notice to
the other party if the other party (i) commences any proceeding relating to its
reorganization, dissolution or liquidation; (ii) discontinues its business,
becomes insolvent or fails to pay obligations as they become due; or (iii)
breaches any material provision of this Agreement and fails to cure such breach
within fifteen (15) days of receipt of notice of breach or such longer period of
time as agreed to by the parties.

In addition, either party may terminate this Agreement without cause upon one
hundred eighty (180) days' prior written notice.

             C. Effect of Termination. In the event of a termination,
  INTERSECTIONS will continue to provide the Product and Services to Cardmembers
  and DFS shall continue to bill cardmembers until the number of Cardmembers
  purchasing the Product falls below 500. The quality of the Product and
  compliance with the Service Standards shall be maintained as if this Agreement
  had not been terminated.

                           During the term of this Agreement, DFS will cooperate
with INTERSECTIONS to encourage individuals who have purchased the Product to
continue purchasing the Product, and will not allow the solicitation of credit
monitoring and notification products substantially similar to the Product
offered under this Agreement to any individual who has purchased the Product and
except further as INTERSECTIONS may agree in writing.

                           For the period of three (3) years following the
termination of this Agreement, DFS shall not allow the solicitation by solo
mail, inserts, outbound telemarketing, e-mail, newsletters, or through inbound
customer relations calls, of any individual who have purchased the Product for a
credit monitoring and notification product substantially similar to the Product.
DFS shall not target by direct solo mail, inserts, outbound telemarketing,
e-mail, newsletters or through inbound customer relations calls, Cardmember(s)
who have purchased the Product for a replacement of Product except after the end
of the three (3) year period.

5. Enhancement and Special Feature Ownership.

         a.       INTERSECTIONS. The parties agree that INTERSECTIONS owns all
rights in connection with the Product and any enhancement or special feature
added to the Product. Notwithstanding the foregoing, DFS will own all rights in
connection with any enhancements or special features added to the Product at
DFS's request ("DFS Enhancements"). "). Any suggestion or concept already
developed or under development by INTERSECTIONS at the time requested by DFS
shall not be considered a DFS enhancement for the purposes of this Agreement.
INTERSECTIONS agrees that all work in connection with any DFS Enhancements under
this Agreement constitute "work-for-hire" as that term is defined in Section 101
of the Copyright Act, 17 U.S.C. Section 1 01, and is the sole and exclusive
property of DFS. All right, title and interest in copyrights, trade secrets,
trademarks, service marks, patents and other intellectual property derived in
any DFS Enhancement, to the extent they are available, are the sole and
exclusive property of DFS, free from any claim or retention of rights thereto on
the part of INTERSECTIONS. In the event that the aforementioned rights are found
not to be a 'work-for-hire" or otherwise cannot be conferred to DFS
automatically, INTERSECTIONS acknowledges that this Agreement constitutes an
assignment of such rights in any DFS Enhancement and agrees to execute whatever
documentation necessary to formalize such assignment to DFS.

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         b. Contractor. Subject to DFS's prior approval, INTERSECTIONS may
         retain contractors to perform work in connection with the Product and
         Services. INTERSECTIONS will ensure that all DFS Enhancement created,
         prepared, or produced by an INTERSECTIONS contractor will become the
         sole property of DFS. INTERSECTIONS will require that each contractor
         agree to convey all right, title and interest in copyrights, trade
         secret, trademarks, service marks, patents and other intellectual
         property derived in any DFS Enhancement before the contractor begins to
         perform such work. If, despite INTERSECTIONS's best efforts, a
         contractor is unwilling to agree to convey all of these rights in any
         DFS Enhancement, INTERSECTIONS will immediately notify DFS, which will
         then determine whether to authorize INTERSECTIONS to retain the
         contractor under revised terms.

                  6        Product Differentiation. INTERSECTIONS will not use
         any DFS Enhancement for any purpose except as provided hereunder
         without the written consent of DFS.

                  7.       Product Name. The name of the Product shall be
         ProfileProtect. DFS shall be the owner of such name. DFS grants
         INTERSECTIONS a license to use such name during the term of this
         Agreement. In the event of a termination of this Agreement, DFS grants
         INTERSECTIONS a license to use such name for the purpose of providing
         the Product and Services in accordance with Paragraph 5 to Cardmembers
         who continue to purchase the Product.

                  8.       Review of Promotional Materials. All advertising and
         promotional materials used in connection with the Product, including,
         but not limited to, fulfillment kits, brochures, newsletters, inserts,
         telemarketing scripts, customer correspondence and form letters, must
         be approved by both parties, such approval or disapproval not to be
         unreasonably withheld. Each party will notify the other in writing of
         its approval of a submitted item within ten (10) business days of
         receipt. Specific reasons must be given for disapproval. In the event
         the reviewing party has not notified the submitting party of its
         approval or disapproval within the ten (10) day period, the submitting
         party will notify the reviewing party in writing of that fact. Upon
         receipt of such notice, the reviewing party will have until the end of
         the next business day to either approve or disapprove the item. If the
         reviewing party has not responded by the end of the next business day,
         the item will be deemed approved. If the submitting party resubmits an
         item for review incorporating changes requested by the reviewing party,
         the reviewing party will notify the submitting party of its approval or
         disapproval within five (5) business days of receipt of the
         resubmission.

         9. Use of DFS Work Product or Name. INTERSECTIONS will not use and will
keep its employees, agents and subcontractors, if any, from using the name of
DFS or its parent, subsidiaries or affiliates, or any name, logo, copyright,
service mark or trademark owned or licensed by DFS, its parent, subsidiaries or
affiliates, in any manner whatsoever that is not otherwise authorized by the
terms of this Agreement without the prior written consent of DFS. In addition,
INTERSECTIONS will not use any work product produced exclusively hereunder for
any purpose whatsoever including advertisements, client lists or submissions in
competitions without the prior written approval of DFS.

         10.      Customer List. DFS shall engage an agent to develop targeted
                  contact lists based on DISCOVER Cardmembers to market the
                  Product. INTERSECTIONS will have input into agent's selection
                  criteria subject to DFS's approval.

         INTERSECTIONS agrees that DFS has the right to market the Product using
customer lists that are not based on DISCOVER Cardmembers. Should DFS exercise
this right, both parties shall mutually agree as to the functions to be
performed by each party and each party's compensation.

         INTERSECTIONS recognizes that the customer relationship and the above
lists are the property of DFS. INTERSECTIONS shall return or destroy all such
lists on termination of this Agreement and shall treat such information as
confidential in accordance with Paragraph 12.

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         11. Confidentiality. In the course of performance under this Agreement,
INTERSECTIONS may have access to or receive disclosure of information considered
confidential and proprietary by DFS, including, but not limited to, Cardmember
names, addresses, and telephone numbers, and DFS may have access to or receive
disclosure of information considered confidential and proprietary by
INTERSECTIONS, including, but not limited to software systems and credit records
(hereinafter referred to in each case as "Confidential Information").
Confidential Information shall not include information in the public domain,
information known to the other party prior to this Agreement and information
lawfully obtained from a third party by the other party, but shall include
confidential and proprietary information of affiliates of each party.

         Each party agrees that Confidential Information will be used solely in
connection with the performance of this Agreement and will not (except as
required by law) be disclosed without the approval of the other party to any
third party or to any of such party's affiliates, directors, officers or
employees except those with a "need to know". Any such disclosure to a third
party shall be made only upon receipt of a confidentiality agreement approved by
DFS from such third party which is substantially as comprehensive in terms as
those contained herein. INTERSECTIONS agrees to obtain a Confidentiality
Agreement from DMS, its subcontractor, prior to commencement of this Agreement.
Each party shall retain exclusive ownership of its Confidential Information with
the right to demand return of Confidential Information from the other party at
any time.

         Specifically, INTERSECTIONS agrees that it will reveal such
Confidential Information only to those of its employees who are engaged in
providing the Product and Services hereunder. At no time will any Confidential
Information be left unattended in an unlocked area. All work in progress
containing Confidential Information shall be kept in a secured area at
INTERSECTIONS's facility with access limited to those employees designated to
work on the Product, except during the time of the initial processing of
materials containing Confidential Information in the mail receiving area. Any
time an employee working with Confidential Information leaves the work area
during the work day, he or she will place the Confidential Information under
lock and key. All work in progress containing Confidential Information shall be
placed in a high security locked area each night. All completed work containing
Confidential Information shall be stored in a high security locked area.

         INTERSECTIONS further warrants and represents that it will not compile,
organize, access, create lists of or otherwise use such Confidential Information
other than as authorized hereunder and that it will not contact any Cardmember
to market, sell or otherwise promote the use or purchase of any other goods or
services of INTERSECTIONS or any third party without prior written consent.

         Each party agrees that is shall comply with the provisions of any
privacy laws and regulations requiring confidential treatment of personal
information under such laws and regulations, including, without limitation, the
Gramm-Leach-Bliley Act, and any other federal and state privacy laws. In
addition, each party will maintain appropriate measures to safeguard all
Cardmember information. Such measures will, at a minimum, be designed to meet
the objectives of the Interagency Guidelines Establishing Standards for
Safeguarding Customer Information as issued and interpreted by the federal
Deposit Insurance Corporation (as C.F.R. 308 and 364).

         Each party recognizes the irreparable harm which would be caused the
other party if Confidential Information were used or disclosed in violation of
this Paragraph, and each party shall use at least the same degree of care in
protecting the other party's Confidential Information as it uses in protecting
its own Confidential Information.

         Upon request, all Confidential Information of either party that is in
the possession of the other party shall be returned upon termination of this
Agreement.

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         12. Notice. Any notice, request, demand, or other communication
required or permitted hereunder will be in writing, postage prepaid, addressed
to the party to be notified. All communications will be deemed given when
received. The respective addresses for the parties for the purpose of such
communications are:

            If to DFS:             Discover Financial Services
                                   2500 Lake Cook Road
                                   Riverwoods, Illinois 60015
                                   Attn: Vice President and Controller

            With a copy to:        Senior Vice President - Discover Enterprises

            If to INTERSECTIONS:   Intersections Inc.
                                   14930 Bogle Drive
                                   Chantilly, VA 20151
                                   Attn: Chief Financial Officer

         Either party may change its mailing address by written notice to the
other party in accordance with this section.

                  13. Independent Contractors. Except as specifically provided
                  herein, INTERSECTIONS will perform all Services hereunder as
                  an independent contractor, and nothing contained herein will
                  be deemed to create any association, partnership, joint
                  venture or relationship of principal and agent or employer and
                  employee between the parties hereto, or to provide either
                  party with the right, power or authority, whether express or
                  implied, to create any such duty or obligation on behalf of
                  the other party. INTERSECTIONS will be solely responsible for
                  compensating its employees and subcontractors, if any, which
                  perform or provide work or work products hereunder.

                  14. Indemnification.

                  a.       DFS will indemnify and hold harmless INTERSECTIONS
                  and its officers, directors, affiliates, employees, agents and
                  representatives, against any and all liabilities, judgments,
                  damages, claims, demands, costs, expenses (including
                  reasonable attorneys' fees) or losses ("Claims"), arising in
                  connection with the Product or Services to be provided
                  hereunder, from DFS's negligence, willful misconduct, breach
                  of warranty or failure to perform in accordance with the terms
                  of this Agreement.

                  b.       INTERSECTIONS will indemnify and hold harmless DFS
                  and its officers, directors, affiliates, employees, agents and
                  representatives, against any and all Claims arising in
                  connection with the Product and Services to be provided
                  hereunder from Company's negligence, willful misconduct,
                  breach of warranty or failure to perform in accordance with
                  the terms of this Agreement.

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                  c.       Notice and Rights under Indemnification. The party
seeking indemnification must (i) notify the party from whom indemnification is
sought of the Claim; (ii) not have engaged in negligent or willful misconduct in
connection with the Claim; (iii) provide the party from whom indemnification is
sought with all information reasonably accessible to it for such party to defend
the Claim; and (iv) cooperate with the party from whom indemnification is sought
in regard to its defense or settlement of the Claim. The party seeking such
indemnification shall have the right, at its own expense, to participate in the
defense of the Claim for which it is indemnified and which has been assumed by
this obligation or indemnity hereunder; however, it shall have no right to
control the defense, consent to judgment, or agree to settle any such Claim
without the prior written consent of the party from whom such indemnification is
sought.

                  15. Fraud Prevention. INTERSECTIONS agrees to take all actions
                      necessary to prevent fraud in connection with the Product
                      and Services provided hereunder including, but not limited
                      to, misuse of credit bureau information, Cardmember
                      information and/or account numbers by its employees.
                      INTERSECTIONS agrees to be held strictly liable for any
                      fraud committed or facilitated by its employees.
                      INTERSECTIONS shall immediately inform DFS of any evidence
                      of fraud by Cardmembers it may become aware of and shall
                      cooperate with DFS in resolving such matters.

                    16. Representations and Warranties.

                  a.       Agreement. Each party represents and warrants that it
is free as of the effective date of this Agreement of any contractual obligation
or legal disability that would prevent it from entering into and performing
under the terms of this Agreement.

                       b. Product/Services. INTERSECTIONS represents and
      warrants that it has the right to provide the Product and Services to DFS
      under the provisions of this Agreement. INTERSECTIONS further represents
      and warrants that it will comply with all statutory requirements and
      applicable rules, regulations and guidelines issued by any federal or
      state agency having jurisdiction over the Product or Services.

                       C. Work Product. INTERSECTIONS represents and warrants
      that all work product produced for DFS under this Agreement is original or
      that rights in the work product, necessary to DFS's purposes, have been
      obtained. INTERSECTIONS further represents and warrants that none of its
      work product will infringe any statutory or common law copyright or, other
      personal or property interest of any third party.

               17.Accounting and Audit. Each party will keep accurate and
      complete books and records relating to the Products sold under this
      Agreement. Subject to the confidentiality requirements set forth in
      Paragraph 12 above, each party (or such auditors as either party may
      select) shall have the right to examine the books and records of the other
      party as they specifically relate to the business transacted under this
      Agreement. Either party may conduct an audit during the term of this
      Agreement and for a period of five (5) years following its termination,
      upon reasonable prior written notice to the other party; provided that no
      party shall be subject to such an audit more than once during a twelve
      (12) month period. Each such audit shall be conducted in the presence of a
      duly authorized representative of the party being audited at a time
      mutually agreeable to both parties. No documents, machine-readable data or
      other information in any format shall be copied or reproduced by the
      auditing party (or its selected auditors) without (i) first being reviewed
      by the audited party's authorized representatives), and obtaining the
      audited party's written consent for any such copying or reproduction. The
      party conducting the audit shall bear all out-of-pocket costs and expenses
      relating or attributable to each such audit. The results of any audit
      requested by either party shall be made

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      available to the audited party free of charge within ten (10) days
      after such results are made known to the auditing party.

         18. Severability. If any provision of this Agreement, or the
application thereof to any person or circumstance, is held invalid, such
invalidity will not affect any other provision which can be given effect without
the invalid provision or application, and to this end the provisions hereof will
be severable.

         19.      Waiver. No delay or omission by DFS or INTERSECTIONS in
exercising any right, remedy or power hereunder will operate as a waiver of such
right, remedy or power or of any other right, remedy or power. No waiver of any
right, remedy or power on one occasion by DFS will be construed as a waiver of,
or a bar to, the exercise of such right, remedy or power on any other occasion.
All such rights, remedies and powers of DFS, not only hereunder but also under
any other agreement of DFS with INTERSECTIONS, are cumulative, and not
alternative or exclusive, and may be exercised by DFS at such time or times and
in such order of preference as DFS may deem advisable.

         20.      Insurance. INTERSECTIONS will maintain adequate insurance from
a qualified and licensed insurer in good financial standing throughout the term
of this Agreement, as specified in Exhibit G. At DFS's option and upon its
request, INTERSECTIONS will name DFS as an additional insured. The insurance
shall be primary over any other insurance covering DFS and shall remain in
effect continuously for the term of this Agreement and for such longer period.
As is necessary to support INTERSECTIONS's indemnity obligations under this
Agreement. Also upon written request, INTERSECTIONS shall promptly provide
certificate(s) from its insurers indicating the amount of insurance coverage,
the nature of such coverage and the expiration date of each applicable policy.
The certificate(s) will state that companies affording coverage will provide DFS
with at least thirty (30) days' written notice of any cancellation or
non-renewal of any coverage. The certificate will be in a form which DFS can
verify provides continuing insurance coverage through the term of this
Agreement.

         21.      Force Maieure. If for any reason, such as strikes, boycotts,
war, acts of God, labor troubles, riots, delays of commercial carriers,
restraints of public authority, or for any other reason, similar or dissimilar,
beyond its control, either party is unable to perform its respective obligations
in connection with this Agreement, such non-performance will not be considered a
breach of this Agreement. Upon the occurrence of such event, the party so
affected, upon giving prompt written notice to the other party, shall be excused
from such performance to the extent of such prevention, interference or
restriction, provided that the party so affected shall take all reasonable steps
to avoid or remove such causes of nonperformance and shall continue performance
hereunder with dispatch whenever such causes are removed.

         22.      Compliance With Laws. In the performance of its obligations
under this Agreement, INTERSECTIONS agrees to comply and to cause its agents and
subcontractors, if any, to comply with all applicable federal, state laws,
codes, rules and regulations, including but not limited to (a) equal opportunity
and nondiscrimination in employment; (b) the employment of the disabled; and (c)
the employment of veterans. INTERSECTIONS also agrees to procure permits and
certificates where required.

         23.      Improper Payments. Both parties agree that, in connection with
the performance of its obligations under this Agreement, it will not make any
payments to, or confer or offer to confer any benefits upon, any employee, agent
or fiduciary of DFS or of any third party, including, without limitation, any
government, agency or instrumentality thereof, with the intent to influence the
conduct of such employee, agency or fiduciary in relation to the business or
affairs of DFS or of another party in connection with this Agreement.

         24.      Governing Law. The validity, interpretation and performance of
this Agreement shall be governed by and construed in accordance with the laws of
the State of Illinois.

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         25.      Assignment. This Agreement may not be assigned by either party
without the prior written consent of the other, except that DFS may assign the
Agreement to its parent, any subsidiary or affiliate of DFS, or any successor in
interest of DFS, without the consent of INTERSECTIONS.

         26.      Change in Ownership.

                  a.       DFS shall have the right to terminate this Agreement
with sixty (60) days written notice to INTERSECTIONS in the event of a Change in
Control of INTERSECTIONS. A "Change in Control" of INTERSECTIONS means:

                           (i)      A change in control of INTERSECTIONS means
the consummation of any transaction after which Loeb Holding Corporation or
controlled affiliates thereof, do not own or have control, either directly or
through one or more controlled subsidiaries, of voting 51% of the combined
voting power of outstanding voting securities.

                           (ii)     The consummation of the sale, transfer or
other disposition of all or substantially all of the assets of INTERSECTIONS,
unless such sale, transfer or other disposition is to the parent or a subsidiary
of INTERSECTIONS and all of INTERSECTIONS' rights and obligations under this
Agreement are assigned to that party in accordance with this Agreement.

         27.      Entire Agreement: Amendment. This Agreement constitutes the
entire agreement between the parties with respect to the Product and Services.
Any prior agreements, representations, statements, negotiations or undertakings
dealing with these Product and Services or the subject matter of this Agreement
are superseded hereby. This Agreement may be amended or modified only by a
writing signed by both parties to this Agreement.

         28.      Headings. The paragraph headings used in this Agreement are
for the convenience of the parties only and will not define or limit the
substance of any paragraph. Reference herein, unless otherwise specified, to a
paragraph, subparagraph, clause or subclause is a reference to such paragraph,
subparagraph, clause or subclause of this Agreement.

         IN WITNESS WHEREOF, the parties, by their undersigned representatives,
hereby execute this Agreement.

INTERSECTIONS INC.                                  DISCOVER SERVICES, INC.

Michael R. Stanfield                                  Marge Bellock
Chairman                                              Senior Vice President and
Date:                                                 General Manager
                                                      Date:

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                                    EXHIBIT A
                              PRODUCT DESCRIPTION

PROFILEPROTECT PRODUCT DESCRIPTION

All Program benefits are subject to any limitations and restrictions imposed by
local, state and federal laws, rules and regulations. INTERSECTIONS shall
provide the following benefits (or equivalents with DFS's written approval) to
Participating Cardmembers in consideration of a membership fee of $8.99 per
month or $89.95 per year with a 30-day free trial period.

The Program benefits shall consist of the following:

NOTIFY EXPRESS

Notifies a Participating Cardmember of changes in subscriber's file at one of
the major credit bureaus, (the "Credit Bureaus") every business day by e-mail,
pager or by U.S. mail.

-        1-Bureau Personal Credit Profile

-        This report will include the individual member's personal credit bureau
         information as reported by one of the Credit Bureaus.

-        INTERSECTIONS reserves the right in its sole discretion to select from
         which Credit Bureau the individual credit report is pulled. The report
         will be printed in an-easy-to-read format that to facilitate the
         members understanding of his or her personal credit information.

-        The report will include a summary page that provides an overview of the
         types of accounts, total accounts, account balances, public records and
         a variety of other categories of information

-        The report will include a legend that aids in interpreting data
         elements of the profile.

-        Daily (business day) monitoring at one of the Credit Bureaus with
         Notification of:

-        New accounts opened in a member's name

-        Inquiries (excludes promotional/pre-approval inquiries)

-        Address changes reported in a subscriber's name

COMPREHENSIVE QUARTERLY CREDIT UPDATE

-        A member's personal credit bureau information will be reviewed every 90
         days and a detailed summary that includes the following will be
         provided:

-        New accounts opened in a subscriber's name

-        Inquiries (excludes promotional/pre-approval inquiries)

-        Address changes reported in a subscriber's name

-        Identification information changes

IDENTITY FRAUD EXPENSE COVERAGE

Identity fraud reimbursement program will be provided in accordance with the
terms and conditions of the program description from Intersections Inc.

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IDENTITY FRAUD EXPENSE COVERAGE

-        A member will automatically receive protection with Identity Fraud
         Expense Coverage. This coverage is not an insurance policy. This
         coverage reimburses a member who is a victim of identity fraud for
         certain types of expenses as listed below:

-        Lost wages as a result of time taken off from work to deal with the
         fraud (up to $500 per week for a maximum of four weeks)

-        Notary and certified mailing costs for completing and delivering legal
         documents

-        Loan application fees for re-applying for loans that were declined due
         to erroneous credit information that had resulted from the fraud

-        Phone charges for calling merchants, financial institutions, and law
         enforcement agencies to discuss an actual fraud.

CREDIT ANALYZER

Assists a member in understanding what factors influence a credit score and how
to take positive steps to improve his or her credit worthiness. It shows how
certain variables may impact a member's score and how the member may influence
their score over time. Credit Analyzer is intended as a guide to how credit
scores work and may differ from any specific score calculated by any particular
lender.

CREDIT EDUCATION

-        Toll-free Customer Service available to provide Participating
         Cardholders one-on-one assistance as needed - provided by trained
         credit education specialists

-        Customer Service Center hours of operation are 9:00 A.M. to 9:00 P.M.
         Monday - Friday, Saturday 9:00 A.M. to 5 P.M Eastern Time.

-        Access to ProfileProtect benefits via www.ProfileProtect.com Web site
         containing helpful information regarding credit card fraud and identity
         theft.

FREE UPGRADE TO A 3-BUREAUS-IN-1 PROFILE AND MONITORING

-        To thank a member for enrolling in the Program, INTERSECTIONS will
         upgrade (at a subscriber's written request) the ProfileProtect
         membership so that the member receives quarterly updates from all three
         credit bureaus at no additional cost.

         1. Digital authorization given by a member to INTERSECTIONS with
         respect to INTERSECTIONS' obtaining such member's Credit Bureau report
         will be accepted pursuant to procedures compliant with the opinion of
         INTERSECTIONS' attorney appended hereto and made a part hereof, and as
         amended consistent with changes in law due to legislation.

Previously offered product configurations shall remain in effect and a
ProfileProtect member may be offered the opportunity to change product
configurations using strategies that have been mutually agreed upon by
INTERSECTIONS and DFS.

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PREVIOUS PRODUCT CONFIGURATIONS INCLUDE THE FOLLOWING:

3-BUREAUS-IN-1 PROFILE

-        Provided to members who enrolled prior to 4/1/00

-        Members are provided an initial 3-Bureau Credit Profile containing the
         individual member's personal credit bureau information. The report will
         be printed in an-easy-to-read format to facilitate the members
         understanding of his or her personal credit information.

-        The report will include a summary page that provides an overview of the
         types of accounts, total accounts, account balances, public records and
         a variety of other categories of information

-        The report will include a legend that aids in interpreting data
         elements of the profile.

-        2-Bureau monthly monitoring for those members who enrolled prior to
         4/1/00 and have not provided written authorization.

3-BUREAU MONTHLY MONITORING

-        On a monthly basis, if a full-file inquiry and/or a new account is
         opened in a subscriber's name, INTERSECTIONS will send notification. In
         this event, INTERSECTIONS will also send notification regarding the
         presence of any new delinquent or derogatory information.

-        If there has been not delinquent or derogatory information reported,
         new accounts opened, or full-file inquiries for a period of 90 days, a
         notice will be generated and sent to advise the Cardmember.

CREDIT EDUCATION

-        Toll-free Customer Service available to provide Participating Members
         one-on-one assistance as needed - provided by trained credit education
         specialists

-        Customer Service Center hours of operation are 9:00 A.M. to 9:00 P.M.
         Monday - Friday, Saturday 9:00 A.M. to 5 P.M EST.

                                       iii

<PAGE>

                                   EXHIBIT B
                                    Services

Customer Service

Toll-free Customer Service will be available six (6) days per week: (Mon-Fri)
between the hours of 9 AM and 9 PM EST and Saturday between the hours of 9 AM
and 5 PM EST.

The customer service telephone service will be staffed by INTERSECTIONS
representatives who are dedicated to work on the product each day. However, in
the event of increased call volumes for the Product or other INTERSECTIONS
products, INTERSECTIONS will be able to use the dedicated representatives for
other products, and use other representatives for the Product.

The customer service representatives will be available to Cardmembers who have
purchased the Product to provide assistance explaining the Profile and the
ongoing monitoring features, and provide answers to any inquiry regarding
billing and service interruptions.

The customer service representatives will also provide general information to
Cardmembers to help them to resolve issues with their Profile with the credit
bureaus.

INTERSECTIONS will provide a direct telephone line which will for DFS's customer
service to transfer to INTERSECTIONS' customer service Cardmembers who have
questions relating to the Product and have called DFS's customer service
centers.

                                        i

<PAGE>

                                    EXHIBIT C

                               Services Standards

SERVICE STANDARDS

The following Customer Service Standards ("Standards") shall apply:

<TABLE>
<CAPTION>
          FUNCTION                                             STANDARD
-----------------------------------    ---------------------------------------------------------
<S>                                                              <C>
Inbound Call Handling                                            **

Rejection Rate                                                   **

Member Enrollments                                               **


Membership Fulfillment                                           **

Written Correspondence                                           **

Dispute Resolution                                               **

External Customer Service Surveys                                **

Customer Listening                                               **
</TABLE>

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

CUSTOMER SERVICE REPRESENTATIVE LIAISON

INTERSECTIONS will designate a Client Service Representative to act as a liaison
between INTERSECTIONS and DFS on Standards issues. This liaison will participate
in weekly meetings to discuss these issues

PENALTY PRICING

Failure by INTERSECTIONS to comply with the Standards will result in a monetary
penalty as set forth below:

-        Failure to meet any Standard when measured during ** consecutive weeks
         will result in a penalty payment of $** from INTERSECTIONS to DFS

-        Failure to meet a Standard for ** consecutive weeks will result in a
         penalty payment of $** from INTERSECTIONS to DFS.

-        Failure to meet a standard for ** or more consecutive weeks will result
         in a penalty payment of $** from INTERSECTIONS to DFS for each week the
         Standard is not met.

----------
**  This information is confidential and has been omitted and filed with the
    Securities and Exchange Commission.

The amount of any penalty payment shall reduce the amount of remittance DFS is
to pay INTERSECTIONS each month.

DFS may waive any penalty payment in its discretion. Waiver of any penalty
payment or Standard will not be construed as a waiver of or bar to DFS's right
to impose penalties or enforce the Standard in the future.

INTERSECTIONS will not be subject to penalty pricing for membership fulfillment
standard violations if those violations are due to data integrity issues.

                                        i

<PAGE>

                                    EXHIBIT D

                                     Reports

         INTERSECTIONS will provide a list of Cardholders who were telemarketed
for the Product at the end of each month by the fifth business day following the
end of the month to DFS's design processing agent in a format agreed to by the
parties.

         INTERSECTIONS will send enrollment data by the tenth work day following
the end of a month to DFS's designated processing agent in a format agreed to by
the parties.

         INTERSECTIONS will provide DFS with call volume reports of customer
service calls

REPORTS

         INTERSECTIONS will provide the following reports at times requested by
DFS, attached hereto and made part of this Exhibit:

    **

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

                                        i

<PAGE>

                                    EXHIBIT E

                                  Compensation

         Compensation Plan A sets forth the compensation plan with respect to
enrollments obtained from the commencement of this Agreement (5/1/01) and in
subsequent years. Compensation Plan B shall be in effect for members who
enrolled in ProfileProtect prior to the start of this Agreement.

         Individuals who purchase the Product who are not Cardmembers and
Cardmembers who pay for the Product through avenues other than their DISCOVER
Cards shall be treated the same as Cardmembers for commission purposes.

PLAN A

1.       INTERSECTIONS shall pay DFS a commission equal to **% of the net
revenues for the first ** months (successful billings) when an individual
purchase the Product, **% of the net revenue between months ** and **
(successful billings), and **% of the net revenue if an individual continues to
purchase the Product for any subsequent months.

----------
**  This information is confidential and has been omitted and filed with the
    Securities and Exchange Commission.

         INTERSECTIONS. Net revenue shall mean revenue generated from services
sold less cancellations, refunds and charge backs.

2.       Termination. If this Agreement is terminated, commissions shall be paid
as follows:

Each month, the number of individuals who are currently receiving the Product
("Purchasers") shall be determined. Based on that number commission shall be
paid as follows:

         a.       If the number of Purchasers exceeds the number of Purchasers
         determined after the ** month of this Agreement commission shall be **%
         on all accounts;

         b.       If the number of Purchasers exceeds the number of Purchasers
         determined after the ** month of this Agreement, but is less than the
         number of Purchasers determined after the ** month of this Agreement,
         the commission shall be **% on all accounts;

         c.       If the number of Purchasers is less than the number of
         Purchasers determined after the ** month of this Agreement, then the
         commission shall be **% on all accounts;

         d.       If termination occurs prior to the ** month of this Agreement
         at the request of DFS, then all post termination commissions shall be
         **% on all accounts;

         e.       If termination occurs prior the ** month of this Agreement at
         the request of INTERSECTIONS, then all post termination commissions
         shall be **%.

----------
**  This information is confidential and has been omitted and filed with the
    Securities and Exchange Commission.

3.       When the number of Purchasers receiving the Product after termination
of this Agreement falls below **, no commissions are to be paid. The Product is
to be canceled and Purchasers to receive a pro-rata refund paid by INTERSECTIONS
of the Product purchase

----------
**  This information is confidential and has been omitted and filed with the
    Securities and Exchange Commission.
                                        i

<PAGE>

price, based on the number of months remaining in each Purchaser's year of
ongoing monitoring.

4.       All commissions will be subject to a charge back for any cancellations,
refund or charge backs.

5.       INTERSECTIONS will authorize DISCOVER Card transactions using a
processor approved by DFS. Declined transactions will be resubmitted using an
agreed upon re-submittal process.

         When the billing transaction files are received by DFS, settlement will
occur with INTERSECTIONS the next banking day. Settlement will be a net of
debits and credits as received from INTERSECTIONS, INTERSECTIONS will via wire
funds transfer the commission amount for the DFS transactions on the 11th, and
21st, 1st and 6th of the month. Commission for direct billed transactions will
be paid-to DFS on a monthly basis via wire funds transfer.

6.       DFS shall be responsible for the cost of its agents for list
processing.

7.       If DFS generates sales of the Product through internal avenues, without
acquisition cost to INTERSECTIONS or not as a result of INTERSECTIONS'
acquisition efforts, then with respect to such sales, INTERSECTIONS shall pay
DFS an acquisition fee of $** per Product sold where the first payment is
made.

         If INTERSECTIONS takes the enrollment telephone call for any of these
sales, INTERSECTIONS shall pay DFS an acquisition fee of $** per Product sold
when the FIRST payment is made. The acquisition fee shall be paid in accordance
with Section 5 above.

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

PLAN B

1.       INTERSECTIONS shall pay DFS a commission equal to **% of the net
revenues for the first year when an individual purchases the Product, **% of the
net revenue if an individual purchases the Product for a second consecutive
year, and **% of the net revenue if an individual continues to purchase the
Product for any subsequent years.

2.       Net revenue shall mean revenue generated from services sold less
cancellations, refunds and charge backs.

3.       Termination. If this Agreement is terminated, commissions shall be paid
as follows:

         Each month, the number of individuals who are currently receiving the
Product ("Purchasers") shall be determined. Based on that number commission
shall be paid as follows:

         a.       If the number of Purchasers exceeds the number of Purchasers
         determined after the ** month of this Agreement commission shall be **%
         on all accounts;

         b.       If the number of Purchasers exceeds the number of Purchasers
         determined after the ** month of this Agreement, but is less than the
         number of Purchasers determined after the ** month of this Agreement,
         the commission shall be **% on all accounts;

         ----------
         **  This information is confidential and has been omitted and filed
         separately with the Securities and Exchange Commission.


                                       ii

<PAGE>

         c.       If the number of Purchasers is less than the number of
         Purchasers determined after the ** month of this Agreement, then the
         commission shall be **% on all accounts;

         d.       If termination occurs prior to the ** month of this Agreement
         at the request of DFS, then all post termination commissions shall be
         **% on all accounts;

         e.       If termination occurs prior the ** month of this Agreement at
         the request of INTERSECTIONS, then all post termination commissions
         shall be **%.

----------
**  This information is confidential and has been omitted and filed
    with the Securities and Exchange Commission.

3.       When the number of Purchasers receiving the Product after termination
of this Agreement falls below **, no commissions are to be paid. The Product is
to be canceled and Purchasers to receive a pro-rata refund paid by INTERSECTIONS
of the Product purchase price, based on the number of months remaining in each
Purchaser's year of ongoing monitoring.

----------
**  This information is confidential and has been omitted and filed
    with the Securities and Exchange Commission.

4.       All commissions will be subject to a charge back for any cancellations,
refund or chargebacks.

5.       INTERSECTIONS will authorize Discover Card transactions using a
processor approved by DFS. Declined transactions will be resubmitted using an
agreed upon re-submittal process.

         When the billing transaction files are received by DFS, settlement will
occur with INTERSECTIONS the next banking day. Settlement will be a net of
debits and credits as received from INTERSECTIONS, INTERSECTIONS will via wire
funds transfer the commission amount for the DFS transactions on the 11th, and
21st, 1st and 6th of the month. Commission for direct billed transactions will
be paid-to DFS on a monthly basis via wire funds transfer.

6.       DFS shall be responsible for the cost of its agents for list
processing.

7.       If DFS generates sales of the Product through internal avenues, without
acquisition cost to INTERSECTIONS or not as a result of INTERSECTIONS'
acquisition efforts, then with respect to such sales, INTERSECTIONS shall pay
DFS an acquisition fee of $** per Product sold where the first payment is made.

         If INTERSECTIONS takes the enrollment telephone call for any of these
sales, INTERSECTIONS shall pay DFS an acquisition fee of $** per Product sold
when the FIRST payment is made. The acquisition fee shall be paid in accordance
with Section 5 above.

----------
**  This information is confidential and has been omitted and filed
    with the Securities and Exchange Commission.

                                      iii

<PAGE>

                                    EXHIBIT F

Phone System: INTERSECTIONS shall establish and maintain, at its own expense, a
customer service 800 number (1-800-461-8836), which shall be the property of
DFS, and dedicated solely to the Service provided to DISCOVER Cardmembers.

Postal Box: INTERSECTIONS shall establish and maintain, at its own expense, a
lockable postal box, which shall be the property of DFS, and dedicated solely to
DISCOVER Cardmembers.

                                        i

<PAGE>

                                    EXHIBIT G

                             Insurance Requirements

INTERSECTIONS maintains the following coverages for Errors & Omissions and
Employee Dishonesty.

ERRORS & OMISSIONS

Limit of Liability: $2,000,000 each event

Coverage is defined, but not limited to, the following:

         a)       Communications Liability - Damages incurred on account of
         injury sustained by any person or organization arising out of:

                  1)       defamation including libel or-slander;

                  2)       disparagement or harm to character;

                  3)       product disparagement;

                  4)       invasion or infringement of the right to privacy;

                  5)       outrageous conduct or infliction of emotional
                           distress;

                  6)       plagiarism or misappropriation of information;

                  7)       piracy;

                  8)       infringement of trademark, trade name, service mark
                           or service name.

         b)       Personal Injury Liability - Damages incurred on account of
         injury sustained by any person or organization arising out of:

                  1)       defamation including libel or slander;

                  2)       disparagement or harm to character;

                  3)       product disparagement;

                  4)       invasion or infringement of the right to privacy;

                  5)       outrageous conduct or infliction of emotional
                           distress;

                  6)       false arrest or malicious prosecution.

EMPLOYEE DISHONESTY

Limit of Insurance: $5,000,000

Coverage is defined as, but not limited to dishonest acts committed by an
employee, whether identified or not, acting alone or in collusion with other
persons, with the intent to cause INTERSECTIONS to sustain loss and obtain
financial benefit.

                                        i