WWW.QUOTESMITH.COM(R)
                                     [LOGO]

                                LINKING AGREEMENT

          Quotesmith.com, Inc. (" Quotesmith.com") and WealthHound, Inc.
("Partner") desire to have a link from the Web site of Partner, whose homepage
is located at the URL http://www.wealthhound.com (the "Partner Site"), to a page
at the URL http://www.quotesmith.com (the "Quotesmith.com Site") allowing, users
to access instant insurance quotes from over 300 companies and request
applications for such insurance.

1.       LINK ACCESS/LIMITATIONS.
1.1         During the term, Partner agrees to maintain a permanent link in a
            mutually agreed fashion from the Partner's Site to the home page or
            other mutually agreed upon page of the Quotesmith.com Site which
            allows users to access insurance quotes. Such permanent link shall
            be from the home page of the Partner Site and shall prominently
            display the words or category heading "Instant Insurance Quotes" and
            the Quotesmith.com logo in order to properly communicate
            Quotesmith.com's capabilities to its customers. The initiation point
            of this link is not limited to this one location, but may in
            addition be placed in other Partner Site locations, as agreed to by
            the parties.

1.2         Quotesmith.com may sell insurance to applicants accessing
            Quotesmith.com's insurance price comparison Web site on the Internet
            via the linkage from the Partner Site. Quotesmith.com shall be
            responsible for all aspects of the sale and will accept and service
            Partner's linked customers in a manner which matches that level of
            service which Quotesmith.com provides to its own customers.

1.3         Quotesmith.com reserves the right to add new insurance products
            and/or withdraw or change existing insurance products available at
            the Quotesmith.com Site at its sole discretion.

1.4         Partner represents and warrants that it is not licensed as an
            insurance agent, broker or producer and has no authority to act as
            an agent of Quotesmith.com. Nothing in this Agreement shall be
            construed as to imply that Partner is an insurance agent, broker or
            producer or an agent of Quotesmith.com.

1.5         Quotesmith shall provide the opportunity for Partner's logos and
            other brand identifiers to be placed on the co-branded Web site
            shared by the parties pursuant to this Agreement, such that the
            co-branded site will have the look and feel of the Partner Site.
            However, other than to add logos and other artwork or messages
            agreeable to both parties prior to commencement of the first link,
            Quotesmith.com cannot alter its web site or its insurance price
            comparison service to fit a specific Partner request.

2.       GRANT OF RIGHTS/OWNERSHIP.

2.1         Quotesmith.com Content. During the Term, Quotesmith.com grants
            Partner the nonexclusive, worldwide right and license to use,
            display and transmit links to the Quotesmith.com content ("
            Quotesmith.com Content") in electronic form. Partner expressly
            acknowledges and agrees that Quotesmith.com will retain any rights
            it may have in the Quotesmith.com Content, whether or not such
            rights are now existing or come into existence hereafter, and
            whether or not such rights are now known, recognized or
            contemplated.

<PAGE>

2.2         Trademarks. During the Term, each party hereby grants the other the
            nonexclusive, worldwide license to use its service marks,
            trademarks, logos and associated notices (collectively,
            "Trademarks") in connection with the performance of the other
            party's obligations hereunder, and in connection with the
            advertising and promotion of the parties' relationship as set forth
            herein; provided that each party shall reasonably pre-approve in
            writing the use of its Trademarks. In the event that a party fails
            to approve or disapprove of a particular use of its trademarks
            within ten (10)days after receipt of a written request for approval,
            such use shall be deemed approved.

2.3         Each party's Trademarks are and shall remain its sole and exclusive
            property. Each party acknowledges and agrees that it shall have no
            right to use the other's Trademarks except as set forth herein or as
            directed by such party in writing. Each party further acknowledges
            and agrees that it shall not acquire any rights with respect to the
            other's Trademarks as a result of its use thereof, and that it shall
            not in any way contest the other party's Trademarks or other
            intellectual property rights.

2.4         In the event that a party is determined to have any rights with
            respect to the other's Trademarks or other intellectual property
            rights as a result of its use thereof, such party hereby irrevocably
            assigns, conveys, and transfers to the other all such rights,
            including any trademark (and the goodwill associated therewith),
            copyright or other intellectual property right, throughout the world
            in perpetuity.

3.       TERM AND TERMINATION.

3.1         The term (" Term") of this Agreement shall begin on the date both
            parties have signed this Agreement and shall continue in effect for
            6 months. Thereafter, this Agreement shall be automatically extended
            for additional 6 month periods (each, a 'Renewal Period").

3.2         Either party may terminate this Agreement, for any reason, by
            providing thirty (30) days written notice to the other party. The
            Term of this Agreement shall end on the date set forth in a
            termination notice.

4.       PAYMENTS AND REPORTS.

4.1         Quotesmith.com will pay to Partner a referral fee (the "Fee") based
            solely upon the number of insurance quotes that are completed at the
            Quotesmith.com Site as a result of the link from the Partner Site to
            the Quotesmith.com Site. This Fee shall initially be set at the rate
            of $1.50 per quote in all insurance product lines except automobile
            insurance which shall be set at $. 25 per click through. The Fees
            are in no way connected, directly or indirectly, to the sale of any
            insurance policy to Partner's customers by Quotesmith.com. In order
            for a Fee to become due, a user from Partner must follow a link from
            the Partner Site to the Quotesmith.com Site and process a completed
            quote, except in the case of automobile insurance, where the Fee
            becomes due once a user from Partner Site clicks through to the
            automobile information on the Quotesmith.com Site.

4.2         By and before fifteen (15) days prior to the commencement of each
            Renewal Period, Quotesmith.com and Partner shall mutually agree upon
            the Fee to be in effect for the subsequent Renewal Period. If no
            such Agreement has been reached before the subsequent Renewal Period
            begins, the Fee applicable to the previous period shall apply to
            that Renewal Period.

<PAGE>

4.3         Referral Fees are due and payable on or before the thirtieth (30th)
            day of the month following the calendar month in which the Fee
            becomes due. Therefore, Quotesmith.com shall pay Partner all due and
            owing Fees on a monthly basis which shall be accompanied by a report
            setting forth the total number of users who accessed the
            Quotesmith.com Site through the link during the previous month, the
            number of quotes completed, the number of click throughs for
            automobile insurance information and any other necessary usage
            information.

4.4         Quotesmith.com reserves the right, in its sole discretion, to
            disallow any fraudulent, excessive or preprogrammed referral
            activity or quotes generated from one recurring source, and
            reasonable efforts shall be made by Partner and Quotesmith.com to
            remedy such activity. Fees will not be due and payable on such
            activity. Upon discovering any fraudulent, excessive or
            preprogrammed referral activity or quotes generated from a recurring
            source, Quotesmith shall immediately notify Partner in writing.

5.       EXCLUSIVITY.

     Partner grants to Quotesmith.com the exclusive right to offer insurance
     products and services on the Partner's Web site for the Term of this
     Agreement.

6.       PRESS RELEASES/EMAILS.

     Both parties are expected and have permission to issue press releases and
     other promotional material that mention the other party's company and
     history. Such press releases must be approved in writing by both parties as
     to their content, accuracy, and timing prior to the release to any third
     party. Partner intends to send an e-mail to its entire customer base
     describing and endorsing the Quotesmith.com service and the
     Quotesmith.com/Partner alliance.

7.       CONFIDENTIAL INFORMATION.

     During the term of this Agreement and thereafter, any and all confidential
     information, oral and written, shall be guarded and kept as such by both
     parties at all times. Neither party will use or disclose, or authorize
     anyone else to use or disclose, any confidential information relating to
     any aspect of the business of the other party without the prior written
     consent of that party.

8.       WARRANTY AND INDEMNITY.

8.1         Each party represents and warrants that: (a) it is the owner of its
            respective Trademarks and content and/or has the right to grant the
            rights hereunder; (b) its Trademarks and content does not and will
            not infringe or constitute a misappropriation of any third party's
            patent, copyright, trademark, trade secret or other property right;
            (c) it has the authority to enter into this Agreement and to perform
            its obligations hereunder; (d) the provision of services under this
            Agreement will not violate any applicable federal or state law, rule
            or regulation.

8.2         Each Party shall indemnify and hold the other party; its officers,
            directors, employees and agents, and any affiliates of such party,
            harmless from and against all liabilities, costs and expenses
            (including reasonable attorney's fees) by any third party arising
            out of or related to: (a) any breach of any of the representations
            or warranties contained herein, and (b) any injury to person or
            property caused by any products or services sold pursuant to this
            Agreement or the use of the other party's Web site.
<PAGE>

9.       GOVERNING LAW.

This Agreement is entered into and shall be governed by the laws of the State of
Illinois


QUOTESMITH.COM, INC.                          PARTNER   WEALTHHOUND, INC.

By /s/ Grant F. Kuphall                       By: /s/ Rebecca J. Brock
  -----------------------------                  -----------------------------
Name: Grant F. Kuphall                        Name:  Rebecca J. Brock
Title:  VP, Business Development              Title:  President

Date: 10/20/99                                Date: 10/15/99
    -----------------------------                  ---------------------------