EXHIBIT 10.1.3

Terms for Consumer Report User Agreement                           NONEMPLOYMENT
Amended September 1, 1997

This agreement by and between  Avert,  Inc. and the company named below ("User")
and/or its designated  agent(s),  consists of the following  understandings  and
conditions:


User certifies and agrees to:

1.   Use  the  services  of and  the  reports  received  from  Avert  in  strict
     compliance  with the  provisions  of 15 U.S.C.  1681 et. seq.  (Fair Credit
     Reporting  Act,  and all  other  applicable  federal  and  state  laws  and
     regulations.

2.   Use the  information  provided by Avert for the user's  exclusive use only,
     except to disclose said information to the subject of the report.

3.   Order and use Avert services and reports only for the permissible  purposes
     indicated on the reverse side of these terms.

4.   Ensure  that  reports  will  be  requested  only by the  User's  designated
     representatives  and forbid employees from obtaining reports on themselves,
     associates  or any other person  except in the  exercise of their  official
     duties.

5.   Recognize that information is obtained and managed by fallible sources, and
     that for the fee charged,  Avert does not  guarantee or insure the accuracy
     or the depth of information provided.

6.   Assume  responsibility  for  the  final  verification  of  the  applicant's
     identity.

7.   Base or any  actions on the  User's  lawful  policies  and  procedures  and
     recognize that Avert employees are not allowed to render any legal opinions
     regarding information contained in a consumer report.

8.   Pay for  services  based on a  statement  system  similar  to ones  used by
     telephone companies. Terms are NET 30 days. Accounts in arrears will assume
     a finance charge of 2% per month or the highest  lawful rate,  whichever is
     less.  If an account goes to  collection,  User agrees to pay all expenses,
     including reasonable legal fees.

9.   Provide  two trade  references  and a bank  reference,  included  with this
     agreement.


<PAGE>

10.  Be aware  that,  if an account  remains  inactive  for  twelve  consecutive
     months, it may be closed and a new User Agreement may be required to reopen
     the account.

11.  Acknowledge that a facsimile of this agreement is as valid as an original.

12.  Recognize that in order to remain in compliance  with laws and  regulations
     governing consumer reporting agencies, Avert may make modifications to this
     agreement from time to time. These  modifications may be mailed to the User
     and the User's  use of Avert's  services  after the date  specified  in the
     communication  will be construed as your  agreement and implied  consent to
     these modifications.

Avert agrees to:

1.   Comply with all applicable  laws in the  preparation  and  transmission  of
     reports as defined in 15 USC-1681 et seq,  regulated  by the Federal  Trade
     Commission.

2.   Follow reasonable  quality assurance  procedures to assure maximum possible
     accuracy of information.

3.   Re-verify  at no cost  any  disputed  report  when  either  the User or the
     subject makes a request in accordance with applicable law. Avert's response
     shall be made in writing and delivered in a timely manner.

4.   Maintain consumer report information and transaction  details for a minimum
     of two years. During an inquiry, the subject of the report has the right to
     learn  the  name of the  User  ordering  information  and has the  right to
     receive a copy of the report  ordered by the User when a lawful  request is
     made to Avert.

5.   Provide  all  information  to the  consumer  as required by the Fair Credit
     Reporting Act.

6.   Maintain   confidentiality   of  its  data   acquisition  and  verification
     methodology.

7.   Avert may, at its sole discretion, terminate service to any user.

<PAGE>
Consumer Report User Agreement

Please  read both sides and  complete  this  agreement,
attach a check or provide  credit card  information  as
payment of the  $50.00  set up fee,  and mail to Avert.
You will be billed NET 30 days for Avert  products  and
services.  When your  account is  established,  we will
call you with you  customer  number and send you a copy
of this agreement.  The security and  dissemination  of
this unique customer number are the  responsibility  of
the  person  signing  this  agreement  for the  User as
defined  on  the  back.   Avert  will  neither  release          AVERT
information  nor take  orders for  services  unless the  Your Customer Number Is
customer  number is provided.  If you are  dissatisfied
for any reason,  notify Avert in writing within 30 days  -----------------------
of the date you signed  this  agreement.  Your  account
will be closed and your setup fee (less any charges for
products  and  services   ordered)  will  be  refunded.

                          Delivery Address for Reports
           One address must be the physical location of your company.


Business Name (User)
                    ------------------------------------------------------------
Address
        ------------------------------------------------------------------------
                      City                       State            Zip Code

Phone#                                       Fax #
       ------------------------------------       ------------------------------
Contact Name(s)
               -----------------------------------------------------------------
               First                     Last                        Title

                                 Billing Address
                            Invoices to be sent here.

Business Name (User)
                     -----------------------------------------------------------
Address
        ------------------------------------------------------------------------
                      City                       State            Zip Code
Phone#                                     Fax #
       -----------------------------------       -------------------------------
Contact Name(s)
               -----------------------------------------------------------------
               First                     Last                         Title

1. Please describe your company's business.
   -----------------------------------------------------------------------------

2. List approximate number of employees.
                                        ----------------------------------------
3. How long has your company been in business?
                                               ---------------------------------
4. Is your company in a: [] Commercial [] Residential [] Other (please  explain)
   location?
   -----------------------------------------------------------------------------

5. Permissible  purposes  for which  reports  are obtained from Avert (check all
   that apply to your account):

[] Legitimate business nee in  connection  with a  transaction  initiated by the
   consumer.

[] For the underwriting  of  insurance  as a  result  of an  application  from a
   consumer.

[] For  the extension  of credit as a result of an application from the consumer
   or the review or collection of a consumer's account.

<PAGE>


[] For  use by a  potential  investor or  servicer,  or current  insurer,  in  a
   valuation  of,  or an assessment of, the credit or repayment risks associated
   with an existing credit obligation.

6. Identify  two  principals  (or owners) of your business,  or, if your company
   stock is traded on a recognized stock exchange give symbol and exchange.

   Name:                         Title:                          Phone:
         -----------------------        ---------------------          ---------
   Name:                         Title:                          Phone:
         -----------------------        ---------------------          ---------
   Symbol:                              Exchange:
          -----------------------------           ------------------------------

7. Check here to join AVERTadvantage for $10/month.  [ ]

8. If paying $50 setup fee by credit card, please complete the following:

   Credit Card:                      Card Number:
                --------------------             -------------------------------
   Cardholder Name:                                Expiration Date:
                   -------------------------------                 -------------
     User certifies that the "Terms for Consumer  Report User  Agreement" on the
back of this page have been read and agrees to the terms as written.


X
 -------------------------------------------------------------------------------
 User Authorized Signature               Title                              Date


--------------------------------------------------------------------------------
Avert, Inc. Authorized Signature         Title                              Date

<PAGE>

Consumer Report User Agreement Trade and Bank References

Consumer Name:
              ------------------------------------------------------------------

To become an Avert customer,  please submit two current trade references and one
bank  reference.  Include  contact names,  phone numbers,  and account  numbers.
Understand  that signature  below  authorizes any references to provide  account
information and balance, account status, and length of business.

Trade:

1.
   -----------------------------------------------------------------------------
   Name                                                          Phone

--------------------------------------------------------------------------------
Address


--------------------------------------------------------------------------------
Account Number

2.
   -----------------------------------------------------------------------------
   Name                                                          Phone

--------------------------------------------------------------------------------
Address


--------------------------------------------------------------------------------
Account Number



Bank:

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Name                                                              Phone


--------------------------------------------------------------------------------
Address


--------------------------------------------------------------------------------
Account Number


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User Authorized Signature                                              Date