EXHIBIT 10.3.2

                      RESELLER CERTIFICATION OF COMPLIANCE
        California Civil Code - Section 1785.14(a) and Section 1785.14(d)

Section 1785.14(a),  as amended,  states that a consumer credit reporting agency
does not have  reasonable  grounds for believing  that a consumer  credit report
will  be  used  only  for a  permissible  purpose  unless  all of the  following
requirements are met:

Section  1785.14(a)(1)  states:  "If a prospective  user is a retail seller,  as
defined in Section 1802.3, and intends to issue credit to a consumer who appears
in person on the basis of an  application  for credit  submitted in person,  the
consumer credit reporting agency shall,  with a reasonable  degree of certainty,
match at least  three  categories  of  identifying  information  within the file
maintained  by the consumer  credit  reporting  agency on the consumer  with the
information  provided  to the  consumer  credit  reporting  agency by the retail
seller.  The  categories of  identifying  information  may include,  but are not
limited  to,  first and last  name,  month and date of birth,  driver's  license
number,  place of employment,  current  residence  address,  previous  residence
address,  or social  security  number.  The categories of information  shall not
include mother's maiden name."

Section  1785.14(a)(2)  states:  "If the prospective user is a retail seller, as
defined in Section 1802.3, and intends to issue credit to a consumer who appears
in person on the basis of an  application  for credit  submitted in person,  the
retail seller must certify,  in writing, to the consumer credit reporting agency
that it instructs its employees and agents to inspect a photo  identification of
the consumer at the time the application was submitted in person. This paragraph
does not apply to an application for credit submitted by mail."

Section  1785.14(a)(3) states: "If the prospective user intends to extend credit
by mail  pursuant to a  solicitation  by mail,  the extension of credit shall be
mailed to the same address as on the  solicitation  unless the prospective  user
verifies any address  change by, among other  methods,  contacting the person to
whom the extension of credit will be mailed."

Section  1785.14(d)  states: "A consumer credit reporting agency shall provide a
written  notice  to any  person  who  regularly  and in the  ordinary  course of
business supplies information to the consumer credit reporting agency concerning
any  consumer or to whom a consumer  credit  report is provided by the  consumer
credit reporting agency. The notice shall specify the person's obligations under
this  title.   Copies  of  the  appropriate  code  sections  shall  satisfy  the
requirement of this subdivision."

In  compliance   with  Section   1785.14(a)  of  the   California   Civil  Code,
______________________________   ("Reseller")   hereby   certifies  to  Experian
Information Solutions, Inc. ("Experian") as follows: (Please circle)

 (Please check the appropriate box)
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Reseller [ ] (does) [ ] (does not) do business  with  reseller  customers  ("End
Users") who are retail  sellers,  as defined in Section 1802.3 of the California
Civil Code ("Retail  Seller") and issue credit to consumers who appear in person
on the basis of  applications  for  credit  submitted  in  person in  California
("Point of Sale").
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Reseller  also  certifies  that if Reseller does business with End Users who are
Retail  Sellers  conducting  Point of Sale  transactions,  Reseller  will obtain
certification from each End User that, beginning on or before July 1, 1998, such
End  User  will   instruct  its   employees   and  agents  to  inspect  a  photo
identification  of the  consumer  at the time an  application  is  submitted  in
person.

Reseller also  certifies that it will provide  notices of obligations  under the
Consumer  Credit  Reporting  Agencies  Act to all of its End Users it provides a
consumer  credit  report,  as required by Section  1785.14(d) of the  California
Civil Code.

Reseller also certifies  that it will only use, and if applicable,  instruct its
End Users to use,  the  appropriate  subscriber  code  number(s)  designated  by
Experian for accessing  consumer  credit reports for Point of Sale  transactions
conducted by Retail Sellers.

When Reseller  establishes new End Users who are Retail Sellers conducting Point
of Sale  transactions,  Reseller  agrees that it shall provide written notice of
such to Experian  prior to selling  consumer  credit  reports to such End Users.
Such notice to Experian should be directed to: Experian  Information  Solutions,
Specialized  Services  Department,  425 Martingale  Rd., Suite 600,  Schaumburg,
Illinois 60173.  Reseller shall obtain a  certification  of compliance from each
End User who is a Retail Seller conducting Point of Sale transactions, and shall
only  allow  access to  consumer  credit  reports  for such  purposes  utilizing
subscriber  code  number(s)  designated  by  Experian.  Reseller  also agrees to
provide  notices  of  obligations,  as  required  by Section  1785.14(d)  of the
California  Civil  Code,  to all new End Users it  provides  a  consumer  credit
report.

AVERT, INC.
Reseller

By: /s/Kathryn Carlson
    ----------------------------
Title: Operations Manager

Date:  May 4, 1998