Document:

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                                                                    EXHIBIT 10.6

                                AGREEMENT BETWEEN

                                DEALERTRACK, INC.

                                       AND

                              CREDITREPORTPLUS, LLC

      This Agreement (this "Agreement") is effective as of December 1, 2004 (the
"Effective Date") by and between DealerTrack, Inc., a Delaware corporation, with
its principal place of business at 105 Maxess Road, Suite N109, Melville NY
11747, ("DealerTrack"), and CreditReportPlus, LLC., ("CreditReportPlus"), a
Maryland limited liability corporation, with its principal place of business at
135 National Business Parkway, Annapolis Junction, Maryland 20701. DealerTrack
and CreditReportPlus are each a "Party" and together the "Parties" to this
Agreement.

                                   BACKGROUND

A.    DealerTrack, among other things, operates the DealerTrack Service (as
      defined below).

B.    CreditReportPlus, among other things, provides connectivity, credit bureau
      management services, Base Functionality, Enhanced Base Functionality and
      Advanced Functionality with regard to the products offered by "Credit
      Bureau Report Providers" (further defined below) ("CreditReportPlus
      Service").

C.    CreditReportPlus and DealerTrack desire to work together to provide
      DealerTrack Participating Customers with access to Credit Reports via the
      CreditReportPlus Service as set forth in this Agreement. In order to
      provide DealerTrack Participating Customers with access to the
      CreditReportPlus Service, the Parties must develop and maintain an
      interface between the DealerTrack Service and the CreditReportPlus Service
      ("DealerTrack/CreditReportPlus Interface"). Using the
      DealerTrack/CreditReportPlus Interface, CreditReportPlus will provide Base
      Functionality, Enhanced Base Functionality, and Advanced Functionality to
      the DealerTrack Service for delivery to DealerTrack Participating
      Customers. The CreditReportPlus Service will parse and transmit Data to
      the DealerTrack Service as specified in the System Specifications and in
      accordance with all agreements by and between Credit Bureau Report
      Providers and CreditReportPlus, all agreements by and between Credit
      Bureau Report Providers and DealerTrack and all agreements concerning the
      delivery of Credit Reports through the DealerTrack Service. Presently,
      DealerTrack accesses Credit Reports subject to agreements by and between:
      (1) ADP and DealerTrack; (2) Reynolds and Reynolds and DealerTrack; (3)
      CREDCO and certain DealerTrack Companies; and (4) certain Credit Bureau
      Report Providers and certain DealerTrack Companies.

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                  TERMS, CONDITIONS, COVENANTS, AND OBLIGATIONS

      IN CONSIDERATION OF the mutual representations, warranties, covenants and
other terms set forth in this Agreement, DealerTrack and CreditReportPlus,
intending to be legally bound, agree as follows with respect to the Territory:

1. Definitions. As used in this Agreement, the following capitalized terms have
the indicated meanings:

      1.1 "ADP" means Automatic Data Processing, Inc. with its corporate
      headquarters at 1 ADP Boulevard, Roseland, New Jersey 07068, its
      Affiliates, and any successor-in-interest.

      1.2 "Advanced Functionality" means any material enhancement made to the
      Base Functionality by CreditReportPlus, which is: (a) approved by
      DealerTrack; and (b) not Enhanced Base Functionality as described more
      fully in Section.2.3.

      1.3 "Affiliate" of a Party means any person or entity that: (a) owns or
      Controls, directly or indirectly, through one or more affiliates, at least
      a majority of the voting capital stock of such Party; or (b) at least a
      majority of whose voting capital stock is owned or Controlled, directly or
      indirectly, through one or more affiliates by such Party; or (c) at least
      a majority of whose voting capital stock is owned or Controlled, directly
      or indirectly, through one or more affiliates, by another person or entity
      that at such time also owns or Controlled, directly or indirectly, through
      one or more affiliates, at least a majority of the voting capital stock of
      such Party. A person or entity will be considered an Affiliate only so
      long as it continues to satisfy the criteria for an Affiliate established
      in this Section. For purposes of this Agreement, none of General Motors
      Acceptance Corporation, Ford Motor Credit Company, DaimlerChrysler
      Services North America LLC, or Toyota Financial Services will be deemed
      Affiliates of Route One, LLC.

      1.4 "Applicable Law" means any applicable federal, state, or local law,
      regulation and/or judicial action including, but not limited to, the FCRA,
      the USA PATRIOT Act of 2001, Pub. Law No. 107-56 (October 26, 2001), the
      Gramm-Leach-Bliley Act 15 U.S.C. Section 6809 et seq, and all regulations
      of federal, state, or local agencies.

      1.5 "Audited Party" and "Auditing Party" shall have the meanings set forth
      in Section 16.

      1.6 "Automobile" means any passenger vehicle, light truck, snowmobile,
      recreational vehicle, motorcycle, boat or other watercraft or commercial
      vehicle.

      1.7 "Base Functionality" means the level of Bureau Functionality,
      information, speed, delivery, and eye-readable format of Credit Reports
      provided by any Credit Bureau Report Provider to DealerTrack Participating
      Customers as of the Effective Date.

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      1.8 "Bureau Functionality" means the information and Data sent by a
      Credit Bureau Report Provider in response to a request for a Credit Report
      from such Credit Bureau Report Provider.

      1.9 "Claim" shall have the meaning set forth in Section 13.

      1.10 "Confidential Information" shall have the meaning set forth in
      Section 12.1.

      1.11 "Control" with regard to an entity, means the legal, beneficial or
      equitable ownership, directly or indirectly, of fifty percent (50%) or
      more of the capital stock (or other ownership interest, if not a
      corporation) of such entity ordinarily having voting rights, or effective
      Control of the activities of such entity regardless of the percentage of
      ownership.

      1.12 "Converted Dealer Tier 1 Volume" means the total number of Credit
      Reports accessed by a Converted Dealer through DealerTrack, if any, in
      November, 2003.

      1.13 "Converted Dealer Tier 2 Volume" means the total number of Credit
      Reports accessed by a Converted Dealer through DealerTrack, if any, in the
      month of May, 2004 in excess of the total number of Credit Reports
      accessed by such Converted Dealer through DealerTrack, if any, in
      November, 2003. For avoidance of doubt, the Converted Dealer Tier 2 Volume
      cannot be less than zero.

      1.14 "Converted Dealer" means a DealerTrack Participating Customer that is
      not a Direct Dealer or an Enterprise Dealer, and that originated its
      relationship with DealerTrack using a Direct Credit Report Bureau Provider
      Connection prior to November 30, 2003, and subsequently changed its
      procedures to access Credit Reports through the DealerTrack System via a
      means other than through the CreditReportPlus Service.

      1.15 "Credit Bureau Report Providers" means Repositories, credit bureau
      report resellers, sales agents, and marketing representatives, and other
      sellers and providers of credit bureau reports, including Equifax,
      Experian, Trans Union, CREDCO, Reynolds & Reynolds, and ADP, and that have
      contracted and agreed to provide CreditReportPlus or DealerTrack Companies
      with Credit Reports.

      1.16 "Credit Bureau Report Provider Fee" means the amount owing from a
      DealerTrack Participating Customer to CreditReportPlus or any
      CreditReportPlus Affiliate in connection with the transmission of Base
      Functionality for a non-CREDCO Credit Report to a DealerTrack
      Participating Customer via the DealerTrack System however delineated or
      denominated or the amount paid by a Credit Bureau Report Provider in a
      given month for Base Functionality divided by the total number of Credit
      Reports delivered via CreditReportPlus for the Credit Bureau Report
      Provider in the given month. A Credit Bureau Report Provider Fee will
      include any direct per-transaction amount for Base Functionality and a
      proportionate amount of any other sums or consideration payable to
      CreditReportPlus by the Credit Bureau Report Provider, directly or
      indirectly, for the delivery of an individual non-CREDCO Credit Report
      transaction during the month in which such Credit Report is transmitted.
      Such

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      proportionate amount will be calculated as a fraction of the total of the
      amount of such other sums and the fair market value of such other
      consideration for the monthly period multiplied by a fraction where the
      denominator is the total number of Credit Reports transmitted by the
      Credit Bureau Report Provider to CreditReportPlus during the month and the
      numerator is 1.

      1.17 "CreditCheck Products" means the Credit Report-related products made
      available by ADP to DealerTrack Participating Customers using ADP
      Subscriber Codes.

      1.18 "CreditMaster Products" means the Credit Report-related products made
      available to DealerTrack Participating Customers using Subscriber Codes
      provided by CREDCO on behalf of Reynolds and Reynolds or by Reynolds and
      Reynolds in lieu of CREDCO.

      1.19 "Credit Report" or "Credit Bureau Report" means a consumer report, as
      that term is defined in Section 603(d) of the FCRA.

      1.20 "CreditReportPlus Computer" means the computer(s) controlled and
      operated by CreditReportPlus on which CreditReportPlus maintains the
      CreditReportPlus Software.

      1.21 "CreditReportPlus/Credit Bureau Report Provider Agreement" means an
      agreement between CreditReportPlus and a Credit Bureau Report Provider
      that, among other things, permits CreditReportPlus to access Credit
      Reports and Credit Report-related information, products, or services from
      the Credit Bureau Report Provider that relates to DealerTrack
      Participating Customers. For greater clarity, a Credit Report Plus/Credit
      Bureau Report Provider Agreement may include a three-party agreement that
      includes DealerTrack as a party.

      1.22 "CreditReportPlus Customer" means a DealerTrack Participating
      Customer that subscribes to the Advanced Functionality offered by
      CreditReportPlus.

      1.23 "CreditReportPlus Customer Agreement" means an agreement whereby a
      DealerTrack Participating Customer agrees to accept Advanced Functionality
      from CreditReportPlus.

      1.24 "CreditReportPlus Fees" shall have the meaning set forth in Section
      6.4(b).

      1.25 "CreditReportPlus Marks" means trademarks, service marks, trade
      names, domain names and corporate and brand identification and indicia,
      including, word marks, logos, designs and other picture marks, phrases,
      jingles, composite marks, corporate, commercial and institutional names or
      images, product designations and identifications, whether registered or
      not, of CreditReportPlus.

      1.26 "CreditReportPlus Outage Period" shall have the meaning set forth in
      Section 3.2.

      1.27 "CreditReportPlus Service" shall have the meaning set forth in the
      Background section of this Agreement, as updated from time to time by
      CreditReportPlus.

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      1.28 "CreditReportPlus Software" means all software developed by or on
      behalf of CreditReportPlus (whether internally developed, licensed or
      owned by CreditReportPlus)

      1.29 "CreditReportPlus System" means and consists of the CreditReportPlus
      Computer, the CreditReportPlus Software, and all hardware and equipment
      provided or used by CreditReportPlus and the CreditReportPlus Computer.

      1.30 "Credit Report Transmission" shall have the meaning set forth in
      Section 6.2(b).

      1.31 "CREDCO" means First American CREDCO, a division of First American
      Real Estate Solutions, LLC, a California limited liability company, and
      any successor-in-interest thereto.

      1.32 "CREDCO Products" means the Credit Report-related products offered by
      CREDCO to DealerTrack Participating Customers using CREDCO Subscriber
      Codes.

      1.33 "Data" means any data, including any DMS Data, or information derived
      or transmitted by or through one Party to the other Party in connection
      with the terms of this Agreement.

      1.34 "DMS Data" means any electronic data derived by or transmitted to
      CreditReportPlus, directly or indirectly, by ADP, Reynolds and Reynolds,
      or via any Third Party dealer management system provider that is not
      included within a standard Credit Report.

      1.35 "DealerTrack-ADP Agreement" means the Strategic Business, Marketing
      and License Agreement dated January 30, 2003 by and among the DealerTrack,
      Credit Online, Inc., ADP, and ADP Canada Co. (together with all
      amendments, if any).

      1.36 "Dealer" means a person or entity that operates a business
      consisting, in whole or in part, of the sale or lease of Automobiles to
      consumers.

      1.37 "DealerTrack Credit Bureau Report Provider Agreement" means an
      agreement between DealerTrack and a Credit Bureau Report Provider that,
      among other things, permits DealerTrack to access Credit Reports and
      Credit Report-related information, products or services from the Credit
      Bureau Report Provider that relates to DealerTrack Participating
      Customers. For greater clarity, an agreement between DealerTrack and a
      Credit Bureau Report Provider, which also includes CreditReportPlus as a
      party will be deemed a Credit Report Plus/Credit Bureau Report Provider
      Agreement, as well as a Dealer Track Credit Bureau Report Provider
      Agreement.

      1.38 "DealerTrack-CREDCO Agreement" means the Joint Marketing Agreement
      dated as of March 19, 2003, by and among DealerTrack Holdings, Inc.,
      DealerTrack, Credit Online, Inc., and CREDCO (together with all
      amendments, if any).

      1.39 "DealerTrack/CreditReportPlus Interface" has the meaning set forth in
      the Background Section of this Agreement and the
      DealerTrack/CreditReportPlus Interface

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      will be deemed to be a part of both the DealerTrack System and the
      CreditReportPlus System as provided herein.

      1.40 "DealerTrack Companies" means DealerTrack and its Affiliates in the
      Territory. For greater clarity, the DealerTrack Companies do not include
      dealerAccess Canada, Inc., an Ontario, Canada corporation so long as
      dealerAccess Canada, Inc. does not operate in the Territory.

      1.41 "DealerTrack Computer" means the computer(s) controlled and operated
      by the DealerTrack Companies on which the DealerTrack Companies maintain
      the DealerTrack Software.

      1.42 "DealerTrack Dealer" means a Dealer that is a Subscriber to the
      DealerTrack Service or any portion thereof.

      1.43 "DealerTrack Enhanced Base Functionality" will have the meaning set
      forth in Section 2.10

      1.44 "DealerTrack Fees" will have the meaning set forth in Section 6.4.

      1.45 "DealerTrack Financial Institution" means a financial institution or
      other financing source, which is a Subscriber to the DealerTrack Service,
      or any portion thereof.

      1.46 "DealerTrack Marks" means trademarks, service marks, trade names,
      domain names and corporate and brand identification and indicia,
      including, word marks, logos, designs and other picture marks, phrases,
      jingles, composite marks, corporate, commercial and institutional names or
      images, product designations and identifications, whether registered or
      not, of the DealerTrack Companies or other DealerTrack Affiliates.

      1.47 "DealerTrack Outage" shall have the meaning set forth in Section 2.9

      1.48 "DealerTrack Participating Customer" means a DealerTrack Dealer
      approved by a Credit Bureau Report Provider and DealerTrack to access Base
      Functionality and/or Enhanced Base Functionality from such Credit Bureau
      Report Provider through the DealerTrack System.

      1.49 "DealerTrack Service" means DealerTrack's web-based system that
      facilitates retail Automobile finance and lease interactions and
      transactions between DealerTrack Dealers and DealerTrack Financial
      Institutions, available at www.dealertrack.com, as updated from time to
      time by DealerTrack, or such additional or successor websites that
      DealerTrack establishes to perform the same or similar functionality as
      DealerTrack performs at www.dealertrack.com ("DealerTrack Service").

      1.50 "DealerTrack Software" means DealerTrack Companies' software (whether
      internally developed, licensed or owned by DealerTrack Companies) which
      support the

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      DealerTrack Service and/or contain applications that are a part of the
      DealerTrack Service and all operating or system software installed on the
      DealerTrack Computer.

      1.51 "DealerTrack System" means and consists of the DealerTrack Computer,
      the DealerTrack Software, the DealerTrack Service and all hardware,
      equipment provided or used by DealerTrack Companies.

      1.52 "Direct Dealer" means any DealerTrack Participating Customer that is
      not an Enterprise Dealer and that originated its relationship with
      DealerTrack using a Direct Credit Report Bureau Provider Connection prior
      to November 30, 2003, and utilizes a Direct Credit Report Bureau Provider
      Connection in a given month other than in accordance with a
      CreditReportPlus Outage Period.

      1.53 "Direct Dealer Tier 1 Volume" means the total number of Credit
      Reports, if any, accessed by a Direct Dealer through DealerTrack in
      November, 2003.

      1.54 "Direct Dealer Tier 2 Volume" means the total number of Credit
      Reports accessed by a Direct Dealer through DealerTrack, if any, in the
      month of May, 2004 in excess of the total number of Credit Reports
      accessed by such Direct Dealer through DealerTrack, if any, in November,
      2003. For avoidance of doubt, the Direct Dealer Tier 2 Volume cannot be
      less than zero.

      1.55 "Direct Credit Bureau Report Provider Connection" means a process
      whereby a DealerTrack Participating Customer accesses Credit Reports
      directly from a Credit Bureau Report Provider through the DealerTrack
      System, but will not include CreditMaster Products, CreditCheck Products
      or CREDCO Products.

      1.56 "Disclosing Party" shall have the meaning set forth in Section 12.1.

      1.57 "Effective Date" has the meaning set forth in the introductory
      paragraph.

      1.58 "Enhanced Base Functionality" means the Base Functionality as
      modified in accordance with Section 2.3 and 2.10.

      1.59 "Enterprise Dealer" means a DealerTrack Participating Customer for
      which DealerTrack agrees to enable such DealerTrack Participating Customer
      to access Credit Reports via the DealerTrack System using a Direct Credit
      Bureau Report Provider Connection and an Enterprise Subscriber Code,
      without DealerTrack receiving fees from any source, for such Credit
      Reports. DealerTrack will give notice to CreditReportPlus of DealerTrack
      Participating Customers that it designates to be Enterprise Dealers within
      fourteen (14) days of agreeing to provide Credit Reports to an Enterprise
      Dealer.

      1.60 "Enterprise Dealer Tier 1 Volume" means the total number of Credit
      Reports, if any, accessed by an Enterprise Dealer through DealerTrack in
      November, 2003.

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      1.61 "Enterprise Dealer Tier 2 Volume" means the total number of Credit
      Reports, accessed by an Enterprise Dealer through DealerTrack, if any, in
      the month of May, 2004 in excess of the total number of Credit Reports
      accessed by such Enterprise Dealer through DealerTrack, if any, in
      November, 2003. For avoidance of doubt, the Enterprise Dealer Tier 2
      Volume cannot be less than zero.

      1.62 "Enterprise Subscriber Codes" means Subscriber Codes provided
      directly to an Enterprise Dealer by a Credit Bureau Report Provider other
      than CREDCO or ADP and used by the Enterprise Dealer to access Credit
      Reports through the DealerTrack System by a means other than
      CreditReportPlus.

      1.63 "Equifax" means Equifax Inc., a corporation with its primary
      headquarters at 1550 Peachtree Street, Atlanta, GA 30309, its Affiliates,
      and any successor-in-interest thereto.

      1.64 "Experian" means Experian Information Solutions, Inc., an Ohio
      corporation with its offices at 475 Anton Blvd, Costa Mesa, CA 92626, its
      Affiliates, and any successor-in-interest thereto.

      1.65 "Force Majeure Event" will have the meaning set forth in Section
      17.8.

      1.66 "FCRA" will mean the Fair Credit Reporting Act, 15 U.S.C. Section
      1681 et seq. and all amendments thereto, including the Fair and Accurate
      Credit Transactions Act of 2003, Public Act 108-159 (December 4, 2003).

      1.67 "Indemnified Party" and "Indemnifying Party" shall have the meanings
      set forth in Section 13.

      1.68 "Intellectual Property" means any intellectual property or
      proprietary rights, including, copyright rights (regardless of the medium,
      including to electronic, imaged or audiovisual works), Marks, patent
      rights (including U.S.-issued patents, U.S. patent applications and
      disclosures), know-how, inventions, rights of priority and trade secret
      rights, recognized in any country or jurisdiction in the world, including
      any derivative works and other refinements and enhancements thereof.

      1.69 "Initial Term" shall have the meaning set forth in Section 8.

      1.70 "Interface Development Schedules" shall have the meaning set forth in
      Section 4.10.

      1.71 "Live Production Date" means the first date the
      DealerTrack/CreditReportPlus Interface is operational for production
      purposes for processing Base Functionality.

      1.72 "Marks" means the CreditReportPlus Marks for CreditReportPlus and the
      DealerTrack Marks for DealerTrack Companies.

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      1.73 "Property" shall have the meaning set forth in Section 9.3.

      1.74 "Receiving Party" shall have the meaning set forth in Section 12.1.

      1.75 "Renewal Term" shall have the meaning set forth in Section 8.

      1.76 "Repository" means an entity that gathers credit and other
      information from one or more of its or its Affiliate's database
      repositories (each a "Repository" and, collectively, the "Repositories")
      and uses such information to produce an integrated Credit Report and/or a
      single Credit Report (together with credit scores and other enhancements
      that the Repository may offer from time to time, as well as various
      formats of such reports intended for use by customers, including
      eye-readable and raw data) for sale to customers with a permissible
      purpose for such report.

      1.77 "Reynolds and Reynolds" means the Reynolds and Reynolds Company with
      its primary headquarters at 1 Reynolds Way, Kettering, Ohio 45430, its
      Affiliates, and any successor-in-interest.

      1.78 "SAS 70" shall have the meaning set forth in Section 4.6.

      1.79 The "Service Level Agreement" shall mean a form of the agreement
      attached as Exhibit A hereto and amended and described in Section 3.2,
      4.10 and 4.13. The form of the Service Level Agreement attached as Exhibit
      A is the Service Level Agreement in effect as of the Effective Date.

      1.80 "Subscriber" means a Dealer that enters into an agreement or
      arrangement for a product or service.

      1.81 "Subscriber Code" means that unique code required by a Credit Bureau
      Report Provider under an agreement with such Credit Bureau Report Provider
      in order for the Subscriber to access Data compiled and maintained by the
      Credit Bureau Report Provider through DealerTrack or such Credit Bureau
      Report Provider.

      1.82 "Systems" means the DealerTrack System and the CreditReportPlus
      System.

      1.83 "System Specifications" means a document(s) mutually agreed upon by
      the Parties, setting forth the technical requirements, data transfer
      requirements, and functionality objectives for implementing this
      Agreement.

      1.84 "Term" will consist of the "Original Term" and the "Renewal Terms",
      if any, and have the meaning set forth in Section 8 of this Agreement.

      1.85 "Territory" means the United States, its territories and possessions.

      1.86 "Third Party" means a person or entity other than: (a)
      CreditReportPlus; (b) the DealerTrack Companies; (c) an Affiliate of
      CreditReportPlus; (d) an affiliate of the

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      DealerTrack Companies; or (e) an employee of or agent for (a) through (d)
      but only when acting as an employee or agent of (a) through (d).

      1.87 "Tier 1 Credit Reports" means three hundred and fifty-two thousand
      and four hundred (352,400) Credit Reports less the sum of Converted Dealer
      Tier 1 Volume, Enterprise Dealer Tier 1 Volume and Direct Dealer Tier 1
      Volume in the given month, provided that for purposes of calculating Tier
      1 Credit Reports, in no event will the sum of Converted Dealer Tier 1
      Volume, Enterprise Dealer Tier 1 Volume and Direct Dealer Tier 1 Volume in
      the given month exceed three hundred and fifty-two thousand and four
      hundred (352,400) and any Tier 1 Volume in excess of such figure will be
      disregarded for all purposes of this calculation.

      1.88 "Tier 2 Credit Reports" means eighty thousand five hundred thirty
      (80,530) Credit Reports less the sum of Converted Dealer Tier 2 Volume,
      Enterprise Dealer Tier 2 Volume and Direct Dealer Tier 2 Volume in the
      given month, provided that for purposes of calculating Tier 2 Credit
      Reports, in no event will the sum of Converted Dealer Tier 2 Volume,
      Enterprise Dealer Tier 2 Volume and Direct Dealer Tier 2 Volume in the
      given month exceed eighty thousand five hundred thirty (80,530) and any
      Tier 2 Volume in excess of such figure will be disregarded for all
      purposes of this calculation.

      1.89 "TransUnion" means TransUnion LLC, a limited liability company with
      its primary headquarters at 555 West Adams Street, Chicago, IL 60661, its
      Affiliates, and any successor-in-interest thereto.

      1.90 "User" means any employee or agent of a Party authorized to use a
      System, including the DealerTrack/CreditReportPlus Interface to access the
      CreditReportPlus Service, and authorized DealerTrack Participating
      Customers, including CreditReportPlus Customers.

      1.91 "Wind-Down Period" shall have the meaning set forth in Section 8.5.

      2. CreditReportPlus Obligations and Responsibilities.

      2.1 CreditReportPlus/Credit Bureau Report Providers Agreements.
      CreditReportPlus will enter into CreditReportPlus/Credit Bureau Report
      Provider Agreements with various Credit Bureau Report Providers to provide
      Base Functionality to DealerTrack Participating Customers in exchange for
      compensation to CreditReportPlus from the Credit Bureau Report Providers
      or from the DealerTrack Participating Customers. CreditReportPlus will at
      all times comply with all its obligations under each
      CreditReportPlus/Credit Bureau Report Provider Agreement. DealerTrack
      shall have the right to approve each provision of a
      CreditReportPlus/Credit Bureau Report Provider Agreement and any amendment
      or modification thereto that affects or relates to the rights,
      obligations, or services to or from DealerTrack or a Participating
      DealerTrack Customer. In the event all CreditReportPlus/Credit Bureau
      Report Provider Agreements with Equifax, Experian, and TransUnion are
      terminated, DealerTrack will have the right to terminate this Agreement.

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      2.2 Subscriber Codes. Subject to Sections 3.1 and 4.10, CreditReportPlus
      will have primary responsibility to enable and disable DealerTrack
      Participating Customer's access to Base Functionality. Such access will
      only be enabled if the DealerTrack Participating Customer: (a) has
      executed all applicable documents and agreements required by the Credit
      Bureau Report Provider and such agreements are currently in effect and
      enforceable; (b) has represented that it has a permissible purpose to
      receive such Credit Reports as required by Applicable Law; (c) has met and
      continues to meet all Credit Bureau Report Provider membership
      requirements and (d) has a valid Subscriber Code. Subject to Sections 3.1
      and 4.10, CreditReportPlus will maintain DealerTrack Participating
      Customer Subscriber Codes in its database for the purposes of performing
      its obligations under this Agreement. CreditReportPlus will maintain the
      security of Subscriber Codes in the CreditReportPlus System and
      CreditReportPlus will not permit or allow access to Subscriber Codes by
      any unauthorized persons nor will CreditReportPlus use the Subscriber
      Codes for any purpose other than carrying out its obligations under this
      Agreement.

      2.3 Enhanced Base Functionality. CreditReportPlus will modify the Base
      Functionality ("Enhanced Base Functionality") upon the following
      conditions:

            (a) If required by Applicable Law.

            (b) To support changes to the CreditReportPlus Service or
      CreditReportPlus System required by the Credit Bureau Report Providers
      under the terms of a CreditReportPlus/Credit Bureau Report Provider
      Agreement within a commercially reasonable timeframe after the Credit
      Bureau Report Provider conveys their changes in writing to
      CreditReportPlus. CreditReportPlus may charge Credit Bureau Report
      Providers reasonable additional fees for certain Enhanced Base
      Functionality. CreditReportPlus and DealerTrack must mutually agree upon
      the terms and fees charged by CreditReportPlus or DealerTrack to
      DealerTrack Participating Customers, if any, for the Enhanced Base
      Functionality to DealerTrack Participating Customers.

            (c) If CreditReportPlus elects to support changes requested but not
      required by the Credit Bureau Report Providers, CreditReportPlus will do
      so within a commercially reasonable timeframe after the Credit Bureau
      Report Provider conveys its requested changes in writing to
      CreditReportPlus. CreditReportPlus may charge the Credit Bureau Report
      Provider reasonable fees for making the changes. In such event,
      CreditReportPlus will inform DealerTrack of its intention to make the
      changes at least fourteen (14) calendar days prior to its doing so. In the
      event Credit Report Plus and the Credit Bureau Report Provider do not
      reach agreement for making a requested change (including the fees),
      DealerTrack will have the right to make and support the changes directly
      within the DealerTrack System as a DealerTrack Enhanced Base
      Functionality. In such event, DealerTrack will inform CreditReportPlus of
      its intention to make the changes at least fourteen (14) calendar days
      prior to its doing so.

            (d) CreditReportPlus must obtain DealerTrack's prior approval before
      charging any DealerTrack Participating Customers for any Enhanced Base
      Functionality.

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      2.4 Advanced Functionality. Advanced Functionality will consist of
      material enhancements made to the Base Functionality or Enhanced Base
      Functionality that are developed by CreditReportPlus to provide additional
      features (details and analysis) to the User from information contained in
      Credit Reports. CreditReportPlus agrees to only implement Advanced
      Functionality approved in advance by DealerTrack. Only DealerTrack
      Participating Customers having relationships with Credit Bureau Report
      Providers authorizing them to access Credit Reports through DealerTrack
      may access Advanced Functionality. CreditReportPlus will not, at any time,
      provide more favorable pricing to any Dealer than it offers to DealerTrack
      Participating Customers for substantially similar Advanced Functionality,
      directly or indirectly. Such pricing will be evaluated on both a
      per-Credit Report and total relationship pricing basis for the Dealer
      receiving the Advanced Functionality. In the event CreditReportPlus agrees
      to provide pricing to any Dealer for substantially similar Advanced
      Functionality that is more favorable than pricing offered to any
      DealerTrack Participating Customers, CreditReportPlus agrees to
      immediately amend or cause to be amended each CreditReportPlus Customer
      Agreement to reflect the more favorable pricing going forward, without any
      other change to be made to such CreditReportPlus Customer Agreements, the
      DealerTrack Participating Customer's continuing receipt of Advanced
      Functionality and DealerTrack's performance under this Agreement being
      deemed the consideration for such amendment and reduced pricing.
      CreditReportPlus will inform the DealerTrack Participating Customer of the
      pricing adjustment using a communication mutually approved by DealerTrack
      and CreditReportPlus. Nothing in Section 2.4 shall prohibit
      CreditReportPlus from offering CREDCO customers Advanced Functionality at
      a different or more favorable price than CreditReportPlus offers Advanced
      Functionality to non-CREDCO customers. CreditReportPlus agrees that
      DealerTrack Participating Customers that use a CREDCO Subscriber Code will
      receive Advanced Functionality at the same price as CREDCO customers who
      are not DealerTrack Participating Customers.

      2.5 CreditReportPlus System. CreditReportPlus agrees, at its own expense,
      to modify, enhance, or improve the CreditReportPlus System and to conform
      to technical requirements that DealerTrack and CreditReportPlus may
      mutually agree to from time to time. Nevertheless, CreditReportPlus is
      solely responsible for all matters related to the design, maintenance, and
      support of the CreditReportPlus System, including functionality relating
      to the transmission of Credit Reports to the DealerTrack System, security
      procedures, and all other related matters.

      2.6 Credit Bureau Report Provider Relationships. CreditReportPlus agrees
      that it will not enter into a "reseller agreement" with a Credit Bureau
      Report Provider during the Term.

      2.7 Non-Compete. During the Term and for an additional period of
      twenty-four (24) calendar months thereafter, CreditReportPlus will not,
      directly or through any Affiliate or Third Party, provide Advanced
      Functionality for Credit Reports, other than Credit Reports of
      CreditReportPlus Affiliates, to Dealers via Route One LLC or any
      Affiliates or successors-in-interest of Route One LLC. This provision will
      not limit any of DealerTrack's rights under any other agreement or
      instrument.

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      2.8 CreditReportPlus Assumption of DealerTrack Obligations During
      DealerTrack Service Outages. To the extent the Parties are able to develop
      and implement mutually agreeable processes and procedures to securely do
      so, CreditReportPlus will have the right to have DealerTrack Participating
      Customers access CreditReportPlus directly and bypass the DealerTrack
      System in providing such Credit Reports to DealerTrack Participating
      Customers at any time when the Bureau Functionality of the DealerTrack
      System is unavailable for any material period of time ("DealerTrack Outage
      Period"). At no other time, and under no other circumstances, will
      CreditReportPlus provide access to Base Functionality or Enhanced Base
      Functionality directly to DealerTrack Participating Customers. In the
      event of a DealerTrack Outage, DealerTrack will immediately take all
      commercially reasonable steps to identify the cause of the problem, remedy
      the malperformance, and restore full service as soon as commercially
      practicable. During a DealerTrack Outage Period, CreditReportPlus will
      have the right to advise DealerTrack Participating Customers that during
      the DealerTrack Outage Period, Credit Reports will be temporarily
      available directly from CreditReportPlus. When DealerTrack restores Bureau
      Functionality or provides reasonable assurances to CreditReportPlus of it
      being ready, willing, and able to fully perform, CreditReportPlus will
      direct the DealerTrack Participating Customers to access Credit Reports
      via the DealerTrack/CreditReportPlus Interface so that DealerTrack
      Participating Customers that were provided direct Credit Report access
      during the DealerTrack Outage Period will resume Credit Report access via
      the DealerTrack Service. During the DealerTrack Outage Period, DealerTrack
      will cooperate with CreditReportPlus and provide all information that
      CreditReportPlus may reasonably request concerning the DealerTrack System,
      and other functionalities to enable CreditReportPlus to perform the
      services during the DealerTrack Outage Period. In the event any
      DealerTrack Outage Period lasts longer than ten (10) calendar days,
      CreditReportPlus will have the right to terminate this Agreement.

      2.9 DMS Data. In the event CreditReportPlus obtains, directly or
      indirectly, any DMS Data, CreditReportPlus will either: (a) obtain for
      DealerTrack at no cost the right to use such DMS Data under terms and
      conditions substantially similar to that in any agreement between
      DealerTrack and that DMS provider as of the time CreditReportPlus obtains
      the right to use such DMS Data ; or (b) refrain from using such DMS Data
      in developing any Advanced Functionality without DealerTrack's prior
      consent, which DealerTrack will have the right to grant or deny in its
      reasonable discretion

      2.10 DealerTrack Requested Changes. To support changes to the
      CreditReportPlus Service or CreditReportPlus System reasonably requested
      by DealerTrack and approved by CreditReportPlus within a commercially
      reasonable timeframe after DealerTrack conveys its desired changes in
      writing to CreditReportPlus, CreditReportPlus, in its sole discretion may
      make such changes and the parties will mutually agree as to whether the
      changes constitute Advanced Functionality or Enhanced Base Functionality.
      Below are possible responses by CreditReportPlus to a DealerTrack
      requested change:

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            (i)   CreditReportPlus will agree to support the DealerTrack
                  requested change as Enhanced Base Functionality and charge
                  DealerTrack a reasonable fee for such change;

            (ii)  CreditReportPlus will agree to support the DealerTrack
                  requested change as Enhanced Base Functionality and charge the
                  DealerTrack Participating Customer a transaction fee or fixed
                  monthly fee for the change;

            (iii) CreditReportPlus will agree to support the DealerTrack
                  requested change as Enhanced Base Functionality and provide it
                  at no charge to DealerTrack or the DealerTrack Participating
                  Customer;

            (iv)  CreditReportPlus will agree to support the DealerTrack
                  requested change as Advanced Functionality and include the
                  change as part of the Advanced Functionality fee;

            (v)   CreditReportPlus will agree to support the DealerTrack
                  requested change as Advanced Functionality and charge an
                  incremental fee over and above the Advanced Functionality fee;
                  or

            (vi)  CreditReportPlus may not agree to implement the DealerTrack
                  requested change.

      CreditReportPlus may charge DealerTrack reasonable fees for Enhanced Base
      Functionality, provided that in lieu of DealerTrack paying
      CreditReportPlus such fees, DealerTrack will have the right to make the
      requested change directly within the DealerTrack System. DealerTrack will
      only provide DealerTrack Enhanced Base Functionality (as defined below)
      changes directly within the DealerTrack System if: (i) DealerTrack has
      previously requested the change be made by CreditReportPlus; and (ii) the
      change requested by DealerTrack has not been approved for implementation
      by CreditReportPlus. In such event, DealerTrack will inform
      CreditReportPlus of its intention to make the changes at least fourteen
      (14) calendar days prior to its doing so. The Parties acknowledge that
      DealerTrack is obligated to give ninety (90) days notice of changes to
      certain DealerTrack Financial Institutions of changes to the DealerTrack
      System and the Parties will endeavor to implement changes to allow for the
      90-day notice period wherever such changes affect a DealerTrack Financial
      Institution and the 90-day notice period is commercially practicable. For
      purposes of Sections 2.3, 2.4 and this Section 2.10, and without
      limitation to the characterization of other changes, any change requested
      or required by a Repository; or any change by CreditReportPlus to
      facilitate DealerTrack aggregating Credit Report information with
      non-Credit Report information; will be, in each case, an Enhanced Base
      Functionality change. Base Functionality additions or changes made by
      DealerTrack within the DealerTrack System, pursuant to this Section 2.10,
      are hereafter referred to as DealerTrack Enhanced Base Functionality.
      Other than those changes DealerTrack has agreed to consult with
      CreditReportPlus in advance of the changes, nothing contained in this
      Agreement will prohibit or restrict DealerTrack from making changes to the
      DealerTrack System or the DealerTrack Service that DealerTrack determines
      to be reasonable or necessary for the conduct of its business.

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      DealerTrack will not be required to request CreditReportPlus to make such
      changes prior to DealerTrack making such changes.

3.    DealerTrack Obligations and Responsibilities.

      3.1 Existing DealerTrack Agreements. Subject to Section 3.2, as soon as
      reasonably practical after the Live Production Date, DealerTrack will use
      commercially reasonable efforts to receive all Credit Reports from CREDCO,
      Equifax, Trans Union, or Experian, via the CreditReportPlus Service.
      DealerTrack will use commercially reasonable efforts to continue to use
      the CreditReportPlus Service to receive Credit Reports, provided however
      the foregoing provisions shall not apply: i) with respect to CreditCheck
      Products and Enterprise Dealers ; ii) if CreditReportPlus is in default of
      this Agreement; iii) for any individual Credit Bureau Report Provider, if
      there is no CreditReportPlus/Credit Bureau Report Provider Agreement in
      effect with that Credit Bureau Report Provider; or iv) for any individual
      Credit Bureau Report Provider, if there exists an applicable
      CreditReportPlus/Credit Bureau Report Provider Agreement and
      CreditReportPlus is in default thereof. During the Term, DealerTrack
      agrees to use commercially reasonable efforts to assist CreditReportPlus
      in negotiating agreements with ADP and other providers of Credit Reports
      to use the CreditReportPlus Service to deliver Credit Reports to
      DealerTrack Participating Customers. However, the failure by
      CreditReportPlus to enter into any such agreement will not be a breach
      hereof. Nothing contained in this Section 3.1 will require DealerTrack to
      take or not take any act which act or omission would have the effect of
      constituting a default under any existing agreement as of the Effective
      Date to which DealerTrack is a Party or by which any of its assets are
      bound. Subject to Section 3.7 and the other terms of this Agreement, the
      obligations of DealerTrack stated herein to use CreditReportPlus to access
      Credit Reports will apply to the delivery of Credit Reports regardless of
      where in the DealerTrack Service the User has the capability to access a
      Credit Report.

      3.2 DealerTrack's Assumption of CreditReportPlus Obligations During
      CreditReportPlus Service Outages. DealerTrack will have the right to
      access Credit Reports directly from a Credit Bureau Report Provider and
      bypass CreditReportPlus in providing such Credit Reports to DealerTrack
      Participating Customers at any time when any part of CreditReportPlus'
      System or the DealerTrack/CreditReportPlus Interface are unavailable,
      service interruptions take place, or CreditReportPlus is otherwise unable
      to meet the performance standards in the Service Level Agreement for any
      material period of time ("CreditReportPlus Outage Period"). In such event,
      CreditReportPlus will immediately take all commercially reasonable steps
      to identify the cause of the problem, remedy the malperformance, and
      restore full service as soon as commercially practicable. Until
      CreditReportPlus does so, DealerTrack will have the right to deliver a
      message on its web site or by other media advising Dealers that during the
      CreditReportPlus Outage Period, Advanced Functionality will be temporarily
      unavailable. When CreditReportPlus restores operations or provides
      reasonable assurances to DealerTrack of it being ready, willing, and able
      to fully perform, DealerTrack will make available to CreditReportPlus all
      information it obtains from Credit Reports during the CreditReportPlus
      Outage Period (subject to any limitations contained in the applicable
      DealerTrack Credit Bureau Report

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<PAGE>

      Provider Agreement) and CreditReportPlus will promptly generate Advanced
      Functionality from such information for all DealerTrack Participating
      Customers that so request it as well as retaining such information in the
      same manner and for the same period of time that it retains such
      information absent a service interruption. During the CreditReportPlus
      Outage Period, CreditReportPlus will cooperate with DealerTrack and
      provide all information that DealerTrack may reasonably request concerning
      the CreditReportPlus System to enable DealerTrack to perform the services
      during the CreditReportPlus Outage Period. In the event any
      CreditReportPlus Outage Period lasts longer than ten (10) calendar days,
      DealerTrack will have the right to terminate this Agreement.

      3.3 Subscriber Codes. To the extent permitted by Applicable Law and the
      applicable DealerTrack Credit Bureau Report Provider Agreement: (a)
      DealerTrack will provide to CreditReportPlus on or prior to thirty (30)
      days from the Effective Date, a master list of those Subscriber Codes that
      are necessary for CreditReportPlus to access Credit Report information for
      DealerTrack Participating Customers; and (b) in connection with each
      Credit Report request, DealerTrack agrees to make available the Subscriber
      Code for the DealerTrack Participating Customer making the Credit Report
      request. DealerTrack will maintain DealerTrack Participating Customer
      Subscriber Codes provided to DealerTrack in accordance with a
      CreditReportPlus/Credit Bureau Report Provider Agreement in the
      DealerTrack database for the purposes of performing its obligations under
      this Agreement and for such other purposes as may be permitted or required
      by the CreditReportPlus/Credit Bureau Report Provider Agreements.

      3.4 Enhanced Base Functionality and Advanced Functionality. DealerTrack
      will review for approval written proposals from CreditReportPlus for
      Enhanced Base Functionality and Advanced Functionality other than those
      required by Applicable Law or as required by the Credit Bureau Report
      Providers under the terms of the CreditReportPlus/Credit Bureau Report
      Provider Agreement. DealerTrack will respond to such proposals within a
      reasonable time (for top-line concepts, generally not later than fourteen
      (14) calendar days from receipt) which responses may consist of a request
      for commercially reasonable additional time to review or make alternative
      proposals if DealerTrack does not approve the proposal made by
      CreditReportPlus. CreditReportPlus will respond in a like reasonable time
      and manner to DealerTrack's alternative proposals and the Parties will
      work together to complete the approval and execution process in a
      commercially reasonable and timely manner. In the event either Party does
      not respond to written proposals or counterproposals in a timely manner,
      the requesting Party will have the right to notify the Executive Vice
      President or President of the other Party at the address set forth herein
      for notices, and advise such person of the failure to respond and request
      a prompt response. If a response is not forthcoming within five (5)
      business days of the Executive Vice President's or President's receipt of
      notice, the requesting party may notify the Chief Executive Officer of the
      other Party and request a response. If the other Party still fails to
      respond within a succeeding three (3) business day period, the proposal
      will be deemed accepted on the terms proposed.

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      3.5 DealerTrack System; User Interface. DealerTrack agrees, at its own
      expense, to modify, enhance, and improve the DealerTrack System and to
      conform to technical requirements to which DealerTrack and
      CreditReportPlus may mutually agree upon from time to time. Nevertheless,
      DealerTrack is solely responsible for all matters related to the design,
      maintenance and support of the DealerTrack System, including functionality
      relating to the receipt of Credit Reports by the DealerTrack System and
      via the CreditReportPlus Service, security procedures and all other
      related matters.

      3.6 Credit Bureau Report Provider Requirements. In the event DealerTrack
      is not a party to a CreditReportPlus/Credit Bureau Report Provider
      Agreement, DealerTrack will comply with certain terms of the
      CreditReportPlus/Credit Bureau Provider Agreement as the Parties mutually
      agree.

      3.7 Acquisitions.

            (a) Exercise of Option by CREDCO. If: (i) any DealerTrack Company
      obtains Control of an entity that is not an Affiliate as of the Effective
      Date (each a "New Affiliate"), (ii) such New Affiliate is in the business
      of providing Credit Reports to Dealers in the Territory; and (iii) CREDCO
      has exercised the Option (as that term is defined in Section 6.4.1 of the
      First Amendment to Joint Marketing Agreement effective March 19, 2003
      between CREDCO and DealerTrack), DealerTrack will use commercially
      reasonable efforts to cause such New Affiliate to enter into agreements
      with CreditReportPlus if such New Affiliate utilizes the DealerTrack
      Service for access to or for delivery of Credit Reports and for which
      CreditReportPlus provides an interface to such New Affiliate's system.
      DealerTrack will use commercially reasonable efforts to cause New
      Affiliates that provide or deliver Credit Reports via a means other than
      the DealerTrack Service to use the CreditReportPlus Service and the
      DealerTrack/CreditReportPlus Interface on similar terms to this Agreement.
      If CREDCO exercises the Option and such New Affiliate enters into an
      agreement with CreditReportPlus, the New Affiliate's Credit Report
      Transmission volume will be combined with DealerTrack's Credit Report
      Transmission volume for purposes of calculating the Repository
      compensation due from CreditReportPlus pursuant to Section 6.2, and the
      Tier 1 Credit Reports level will not be adjusted upward to include such
      new volume to be processed through the DealerTrack/CreditReportPlus
      Interface.

      (b) Non-exercise of Option by CREDCO. If: (i) any DealerTrack Company
      obtains Control of a New Affiliate, (ii) such New Affiliate is in the
      business of providing Credit Reports to Dealers in the Territory; and
      (iii) CREDCO has not exercised the Option, DealerTrack will use
      commercially reasonable efforts to cause such New Affiliate to enter into
      agreements with CreditReportPlus if such New Affiliate utilizes the
      DealerTrack Service for access to or for delivery of Credit Reports and
      for which CreditReportPlus provides an interface to such New Affiliate's
      system. For New Affiliates for which CREDCO does not exercise the Option,
      DealerTrack will use commercially reasonable efforts to cause New
      Affiliates that provide or deliver Credit Reports via a means other than
      the DealerTrack Service to use the CreditReportPlus Service and the
      DealerTrack/CreditReportPlus Interface on mutually agreeable terms. If

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<PAGE>

      such New Affiliate enters into an agreement with CreditReportPlus, the New
      Affiliate's Credit Report Transmission volume will be combined with
      DealerTrack's Credit Report Transmission volume for purposes of
      calculating the Repository compensation due from CreditReportPlus pursuant
      to Section 6.2, and the Tier 1 Credit Reports level will be adjusted
      upward by the Credit Report volume for the New Affiliate Dealers as of the
      calendar month during which the respective DealerTrack Company obtained
      control of the New Affiliate and that are processing through the
      DealerTrack/CreditReportPlus Interface in the given month. However, if
      CREDCO has not exercised the Option, nothing contained herein will require
      such entities to do business with CreditReportPlus.

      4. Mutual Obligations.

      In addition to the obligations and responsibilities of the Parties set out
      in Sections 2 and 3 of this Agreement, the Parties agree as follows:

      4.1 Cooperation. Each Party agrees to use commercially reasonable efforts
      to work with the other Party to maintain the connections necessary for
      DealerTrack Participating Customers to access the CreditReportPlus Service
      by providing the necessary information to the other Party as set forth in
      a Systems Specifications document including access, format and translation
      information.

      4.2 Development and Maintenance of Systems. Each Party agrees to use
      commercially reasonable efforts to develop the
      DealerTrack/CreditReportPlus Interface and maintain its System so that,
      subject to the other Party's performance of its obligations under this
      Agreement, the DealerTrack/CreditReportPlus Interface will process Data in
      accordance with the reasonable requirements for each Credit Bureau Report
      Provider.

      4.3 Virus Protection and Other System Security. Each Party agrees to
      operate and manage its System in such a manner as to keep it from
      degrading the performance of, or otherwise materially and adversely
      impacting, the CreditReportPlus System, DealerTrack System, the
      CreditReportPlus Service, the DealerTrack Service or the
      DealerTrack/CreditReportPlus Interface, as applicable, by the introduction
      of: (a) intentionally injurious instructions (e.g. systems "viruses") that
      are designed to modify, damage, delete or disable the CreditReportPlus
      System, the DealerTrack System, the CreditReportPlus Service, the
      DealerTrack Service or the DealerTrack/CreditReportPlus Interface, as
      applicable; or (b) code that triggers a harmful or inadvertent
      modification, shut down or disablement of the CreditReportPlus System, the
      DealerTrack System, the CreditReportPlus Service, the DealerTrack Service
      or the DealerTrack/CreditReportPlus Interface, as applicable. In the event
      of such degradation or adverse impact, upon notification from the affected
      Party, the degrading Party will promptly terminate those processes causing
      such degradation or adverse impact and will implement as soon as is
      reasonably commercially practicable any necessary changes to its System to
      reasonably prevent such degradation or adverse impact from continuing or
      reoccurring. Each Party will cooperate in good faith with the other Party
      as reasonably appropriate to assist each other in meeting the obligations
      under this Section 4.3. Notwithstanding the foregoing, in the event the
      continued use of the other Party's system presents a material risk of

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      substantial damage to a Party's System or business reputation, the
      impacted Party will have the right to temporarily terminate the other
      Party's use of the DealerTrack/CreditReportPlus Interface, until such
      changes are made.

      4.4 Credit Report Access Restriction. Each Party agrees to restrict access
      to Credit Reports on its respective System, to Users logging in with the
      proper identification codes and password(s). Each Party will use
      commercially reasonable efforts to cause its respective System to be
      safeguarded against "hacker" intrusions or other unauthorized uses and
      each Party will be responsible for complying with consumer notice laws or
      other provisions of Applicable Law in the event of unauthorized access or
      use. Each Party will be solely responsible for any additional security
      measures it reasonably determines that it needs to take.

      4.5 Notices of Security Risks. Each Party will promptly notify the other
      Party of any known material security breaches or holes in the Systems or
      the DealerTrack/CreditReportPlus Interface, which may have a material
      adverse impact on the other Party or any DealerTrack Participating
      Customers.

      4.6 Database Security, Privacy and Security Audits. Each Party will use
      commercially reasonable efforts to maintain logically and physically
      secure, monitored operational environments and systems for the processing
      and storage of transaction and other Data pursuant to this Agreement, in
      compliance with applicable regulatory requirements and Safety and
      Soundness Report No. 70 ("SAS 70"), or a substantially equivalent
      standard, including the maintenance of redundant firewall systems with
      frequently updated firewall rule sets, virus and patch management, and the
      monitoring of the systems, servers and firewalls for actual and attempted
      intrusions. The Parties will comply in all material respects with the
      Credit Bureau Report Providers' security requirements (including
      encryption, limiting, and tracking database access, audit trails,
      firewalls, etc.) and requirements for gaining access to and restricting
      use of information received from Credit Bureau Report Providers. Upon
      reasonable prior notice, each Party will provide to Credit Bureau Report
      Providers reasonable access to its personnel and records for the purposes
      of the conduct of a security audit of its procedures, controls, privacy
      policies, compliance, and operations relating to the receipt, maintenance
      and use of information provided by the Credit Bureau Report Provider.
      Prior to the conduct of any security audit, the Credit Bureau Report
      Provider or their designated agent that desires to conduct the audit will
      be required to execute a Confidentiality Agreement in a form reasonably
      acceptable to the Party being audited. CreditReportPlus will permit
      DealerTrack to conduct a security audit in the event DealerTrack
      reasonably believes or suspects that appropriate security procedures are
      not in place, are inadequate, or may have been compromised with respect to
      any transaction. DealerTrack will permit CreditReportPlus to conduct a
      security audit of the DealerTrack System in the event CreditReportPlus
      reasonably believes or suspects that appropriate security procedures are
      not in place, are inadequate, or may have been compromised with respect to
      any transaction. All security audits will be reasonably limited to an
      examination of records, procedures, audit trails, access logs, policies,
      operations, compliance, testing, and personnel involved in the conduct of
      data flow, record maintenance, database access, and other persons within
      the

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      organization (and any contractors or subcontractors involved) whose work
      is reasonably relevant to the subject matter of the audit. The auditing
      Party or Credit Bureau Report Provider, as applicable, will share its
      findings with the Party being audited and the Party being audited will
      make commercially reasonable efforts to rectify any material deficiencies
      identified by the audit that the audited Party verifies to be continuing
      and that provide a material risk to the audited Party's information
      security.

      4.7 Data. Each Party acknowledges and agrees that it will not store,
      archive, copy or otherwise retain Credit Reports or any information
      therein for non-CREDCO Products for any period in excess of the time
      period stated in the applicable DealerTrack Credit Bureau Report Provider
      Agreement or in the CreditReportPlus/Credit Bureau Report Provider
      Agreements or as permitted by the applicable DealerTrack Dealer in
      accordance with its agreements with its Credit Bureau Report Providers or
      such other time period as the Parties may mutually agree. DealerTrack
      agrees that it will not store, archive, copy or otherwise retain CREDCO
      Products or any information therein for any period in excess of the time
      period to which DealerTrack must adhere under the DealerTrack-CREDCO
      Agreement. However, in the event either Party is compelled by legal
      process to retain or disclose any Data, it will have the right to do so to
      the extent necessary to comply with the legal process, provided that, if
      permitted by Applicable Law, such Party will inform the other Party as
      soon as reasonably possible prior to disclosing such Data.

      4.8 Notices of Certain Software Modifications. In the event that either
      Party makes any generally released modifications to such Party's Software,
      and such modifications make changes to the other Party's System necessary
      or advisable, the Party making the modifications shall give the other
      Party notice of the modifications and the schedule for implementation of
      such modifications shall be mutually agreed upon unless: (a) such
      modification is necessary to comply with Applicable Law in which event the
      modification will be made as soon as commercially practicable after the
      provision of Applicable Law requiring the change becomes effective; and
      (b) in the event the modification affects DealerTrack Financial
      Institutions, the Parties acknowledge that DealerTrack is obligated to
      give at least ninety (90) days notice of changes to certain DealerTrack
      Financial Institutions of changes to the DealerTrack System and the
      Parties will endeavor to implement changes to allow for at least a 90 -day
      notice period wherever such changes affect a DealerTrack Financial
      Institution and the 90-day notice period is commercially practicable.

            (a) Subject to Sections 2.3 and 2.4, with respect to changes to
      either Party's System which are deemed necessary by such Party, in such
      Party's discretion: (a) DealerTrack shall be responsible, at its expense,
      for making the necessary changes to the DealerTrack System; and (b)
      CreditReportPlus shall be responsible, at its expense, for making the
      necessary changes to the CreditReportPlus System. The Parties shall
      establish a mutually agreeable schedule for making such changes properly
      and in a timely manner.

            (b) Subject to Sections 2.3 and 2.4, with respect to changes to a
      Party's System which are deemed advisable, but not necessary by such Party
      in its discretion, the

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      other Party shall not be required to implement changes to its System. If
      the other Party elects to implement the changes, at such other Party's
      expense, upon the request of the Party making the changes, the Parties
      shall establish a mutually agreeable schedule for making such changes to
      their respective Systems, with the objective of making such changes
      properly and in a manner that allows both Parties to begin to utilize the
      additional or changed functionality resulting from the changes within a
      reasonable timeframe. The foregoing notwithstanding, neither Party shall
      be responsible for any interruption in the other Party's use of the
      DealerTrack/CreditReportPlus Interface prior to the other Party's
      implementation of the appropriate changes to the other Party's System or
      caused by the other Party's failure to implement the appropriate changes
      to the other Party's System. If the other Party elects not to implement
      the changes, the Party initiating the change shall not be responsible for
      the inability of the other Party to utilize additional or changed
      functionality of the initiating Party's System or
      DealerTrack/CreditReportPlus Interface that would be available with such
      changes.

      4.9 Permissible Purpose for Credit Reports; Compliance with Applicable
      Law. In order to receive Credit Reports, each DealerTrack Participating
      Customer must have and continue to have, a permissible purpose under
      Applicable Law. CreditReportPlus and DealerTrack agree that
      CreditReportPlus' and DealerTrack's marketing and other communications to
      prospective and actual DealerTrack Participating Customers will accurately
      reflect these requirements, if applicable. To the extent that DealerTrack
      or CreditReportPlus distributes marketing or other communications to
      prospective and actual DealerTrack Participating Customers, such material
      and communications will comply with Applicable Law. CreditReportPlus
      represents, warrants and covenants to DealerTrack, and DealerTrack
      represents, warrants and covenants to CreditReportPlus that its
      performance of this Agreement will at all times comply with Applicable
      Law. CreditReportPlus and DealerTrack will each be responsible for its own
      compliance with all Applicable Law affecting its performance of this
      Agreement. Without limiting the generality of the foregoing,
      CreditReportPlus will be liable to DealerTrack for all materials and
      information it provides to DealerTrack being in full compliance with
      Applicable Law. Without limiting the generality of the foregoing,
      DealerTrack will be liable to CreditReportPlus for all materials and
      information it provides to CreditReportPlus being in full compliance with
      Applicable Law.

      4.10 Customer Service. During a DealerTrack Outage Period or a
      CreditReportPlus Outage Period, the Party not experiencing the Outage will
      use commercially reasonable efforts to handle all customer service. Other
      than during such Outages, customer service responsibilities for
      DealerTrack Participating Customers will be assigned based on the
      DealerTrack Participating Customer's mode of accessing Credit Reports.
      CreditReportPlus will have the responsibility to provide customer service
      to DealerTrack Participating Customers that use Subscriber Codes generated
      as a result of CreditReportPlus/Credit Bureau Report Provider Agreements
      with TransUnion, Equifax, or Experian, other than Dealers that are
      Enterprise Dealers. CreditReportPlus will also provide customer service to
      DealerTrack Participating Customers that use CREDCO Subscriber Codes for
      accessing Credit Reports. DealerTrack will provide customer service to
      DealerTrack Participating Customers that use CreditCheck Products, a
      Direct

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      Credit Bureau Report Provider Connection or an Enterprise Subscriber Code.
      DealerTrack Participating Customers that switch their modes from their
      original modes of accessing Credit Bureaus will be provided customer
      service by the Party responsible for the mode relied upon by the
      DealerTrack Participating Customer at the time of the needed service. All
      customer service will meet the performance standards set forth in the
      Service Level Agreement which the Parties will execute as of even date
      herewith. Without limiting the generality of the foregoing, the Party
      responsible for customer service will facilitate entry of the applicable
      Subscriber Codes into the DealerTrack System for DealerTrack Participating
      Customers that desire the Base Functionality or the Enhanced Base
      Functionality. For DealerTrack Participating Customers that switch their
      Credit Bureau Report Provider relationship, the new Party responsible for
      customer service will facilitate entry of the applicable Subscriber Codes
      into the DealerTrack System for DealerTrack Participating Customers that
      desire the Base Functionality or the Enhanced Base Functionality. To
      establish a new relationship or change the existing Subscriber Code, the
      Party responsible for customer service will first obtain the DealerTrack
      Participating Customer's written directive to sign-up or switch on a form
      approved by DealerTrack and CreditReportPlus. Upon doing so, the
      responsible Party will make the appropriate change in the DealerTrack
      Participating Customer's Subscriber Code to DealerTrack's System. If
      CreditReportPlus is the Party making the change, CreditReportPlus will
      advise DealerTrack of each DealerTrack Participating Customer change on a
      daily basis. If DealerTrack is the Party making the change, DealerTrack
      will advise CreditReportPlus of each DealerTrack Participating Customer
      change on a daily basis. DealerTrack will have the right to override any
      Subscriber Code entered by CreditReportPlus if it is requested by the
      DealerTrack Participating Customer in writing to do so or for other good
      cause shown. In such event, DealerTrack will advise CreditReportPlus of
      the override within one (1) business day.

      4.11 Telecommunications. The Parties will each be responsible for their
      individual fees and charges incurred in connection with telecommunications
      between the Parties. However, the Parties will mutually agree upon the
      actual method of telecommunication.

      4.12 DealerTrack/CreditReportPlus Interface. With respect to the
      development of the DealerTrack/CreditReportPlus Interface, DealerTrack and
      CreditReportPlus shall perform their respective responsibilities as set
      forth in this Section 4.12.

            (a) The Parties shall consult with each other on a continuing basis
      and as reasonably necessary to finalize a time-line for performance of the
      respective responsibilities of each Party relating to the development of
      the DealerTrack/CreditReportPlus Interface, which may be documented in one
      or more Interface Development Schedules, with the objective of finalizing
      such time-lines as soon as is commercially practicable. The Parties shall
      schedule the dates for completion of such responsibilities. Both Parties
      shall proceed with their respective responsibilities as set forth in each
      Interface Development Schedule in a diligent manner and shall use
      commercially reasonable efforts to allocate such skilled personnel and
      other resources to the project as shall be necessary to complete the
      development of the Interface in accordance with the Interface Development
      Schedule.

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            (b) DealerTrack and CreditReportPlus shall cooperate reasonably and
      in good faith with respect to such issues that may arise from time to time
      in connection with the development of the DealerTrack/CreditReportPlus
      Interface, to the extent that specific responsibility has not been
      designated to one Party or the other in this Agreement.

      4.13 Maintenance Support. The Parties will provide support to each other
      in maintaining the DealerTrack/CreditReportPlus Interface as set forth in
      the Service Level Agreement. The Service Level Agreement may be modified
      by the Parties from time to time by mutual written agreement and each
      Party will at all times maintain at least the minimum service level
      standards set forth in the Service Level Agreement.

      4.14 Canada. The Parties will negotiate in good faith during the initial
      12-month period of the Term in an effort to reach a mutually acceptable
      arrangement for the development of a service arrangement similar to that
      provided herein with respect to Dealers and Credit Report transactions in
      Canada. However, neither Party will be obligated to enter into such an
      arrangement. In addition, either Party may negotiate, request, or require
      terms different for any location outside of the Territory, including
      Canada.

      4.15 Mutual Consent to Receive Unsolicited Facsimile Advertisements. Each
      Party consents to receiving unsolicited advertisements by facsimile from
      the other Party at the following facsimile numbers. For DealerTrack:
      (until February 28, 2005) - 631-574-4548; on or after February 28, 2005 at
      a facsimile number to be provided on or prior to such time. For
      CreditReportPlus (until November 15, 2004) - 301-362-6312; on or after
      November 15, 2004 at a facsimile number to be provided on or prior to such
      time.

5.    Marketing Activities.

      5.1 Promotional and User Materials. CreditReportPlus will provide
      reasonable assistance to DealerTrack in developing and producing material
      promoting the CreditReportPlus Service, including providing materials that
      DealerTrack may use to develop a User manual. However, CreditReportPlus
      acknowledges that DealerTrack is and will continue to be obligated under
      contractual provisions, as of the Effective Date, which restrict its
      ability to market or promote the CreditReportPlus Service to certain
      Dealers. Nothing contained in this Agreement will require DealerTrack to
      market the CreditReportPlus Service or take any other action that
      DealerTrack determines may constitute a breach of any such obligations.

      5.2 Name Usage. DealerTrack will not publish, distribute, or otherwise
      release any written materials mentioning CreditReportPlus by name or
      concerning the CreditReportPlus Service (other than materials prepared by
      CreditReportPlus) to prospective or actual DealerTrack Participating
      Customers without CreditReportPlus' prior approval provided, however, that
      DealerTrack will have the ability to mention in promotional materials that
      the CreditReportPlus Service is available through the DealerTrack System.
      CreditReportPlus will not publish, distribute, or otherwise release any
      written materials mentioning DealerTrack by name or concerning the
      DealerTrack

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      System (other than materials prepared by DealerTrack) to prospective or
      actual CreditReportPlus Customers without DealerTrack's prior approval;
      provided, however, that CreditReportPlus will have the ability to mention
      in promotional materials that the CreditReportPlus Service is available on
      the DealerTrack System. Notwithstanding the foregoing, each Party will
      have the right to withdraw any approvals granted by it under this Section
      5.2, and/or the other Party's ability to mention its name under this
      Section, as it determines to be reasonably necessary to protect its
      goodwill, reputation or Intellectual Property rights.

      5.3 Reporting. The Parties will mutually agree as to the type and content
      of reporting required under this Agreement and the frequency and method of
      distributing such reports. Such reports may include: (a) monthly activity
      reports summarizing transaction counts by DealerTrack Participating Dealer
      by date; (b) periodic reports containing enough information to determine
      the Converted Dealer Tier 1 Volume and Converted Dealer Tier 2 Volume; and
      (c) mutually acceptable reports to enable CreditReportPlus to increase
      Credit Report utilization on the DealerTrack Service. All activity reports
      will be deemed Confidential Information of the Parties, any list of
      DealerTrack Dealers is Confidential Information of DealerTrack, and any
      list of CreditReportPlus Advanced Functionality Customers is Confidential
      Information of CreditReportPlus. In each case, such Confidential
      Information is subject to Section 12 of this Agreement.

6.    Compensation.

      6.1 CREDCO, CreditMaster and CreditCheck Compensation. For the avoidance
      of doubt, the Parties herein acknowledge and agree that the
      DealerTrack-ADP Agreement will govern compensation to DealerTrack
      Companies for the delivery of CreditCheck Products to DealerTrack
      Participating Customers using the CreditCheck Products and that the
      DealerTrack-CREDCO Agreement will govern compensation to the DealerTrack
      Companies for the delivery of CREDCO Products and CreditMaster Products to
      the DealerTrack Participating Customers using the CREDCO Products or
      CreditMaster Products. The Parties also acknowledge that DealerTrack will
      maintain agreements with other Credit Bureau Report Providers for the
      purposes permitted by Section 3.1 of this Agreement.

      6.2 Repository Compensation

            (a) CreditReportPlus will pay DealerTrack a fee calculated as fifty
      percent (50%) of the Credit Bureau Report Provider Fee per Tier 2 Credit
      Report calculated and payable on a monthly basis for the period commencing
      on the date hereof and continuing on a monthly basis for a period through
      and including December, 2004. Such fee will be payable in monthly
      installments in accordance with the payment terms in Section 6.4 but the
      totality of such monthly payments will constitute but one fee due under
      this Agreement for which DealerTrack's rights will be earned as of the
      Effective Date.

            (b) For each Credit Report that is transmitted to a DealerTrack
      Participating Customer through the DealerTrack System subject to a
      CreditReportPlus/Credit Bureau

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<PAGE>

      Report Provider Agreement ("Credit Report Transmission") during each
      calendar month of the Term:

                  (i) CreditReportPlus will pay DealerTrack one hundred percent
      (100%) of the Credit Bureau Report Provider Fee for the Tier 1 Credit
      Reports each month; and

                  (ii) CreditReportPlus will pay DealerTrack fifty percent (50%)
      of the Credit Bureau Report Provider Fee for the Credit Reports in excess
      of the Tier 1 Credit Reports each month.

            (c) For each Credit Report Transmission using any Enhanced Base
      Functionality for which CreditReportPlus receives any fee (including any
      fee from a Dealer for access to the CreditReportPlus System or any
      per-Credit Report fee paid by the Dealer to CreditReportPlus),
      CreditReportPlus will pay DealerTrack fifty percent (50%) of the fee for
      that Enhanced Base Functionality. For each Credit Report Transmission
      using any Base Functionality or Enhanced Base Functionality for which
      DealerTrack receives any fee from an entity other than CreditReportPlus
      (including any fee from a Dealer for access to the CreditReportPlus System
      or any per-Credit Report fee paid by the Dealer to DealerTrack),
      DealerTrack will pay CreditReportPlus fifty percent (50%) of the fee for
      that Base Functionality or Enhanced Base Functionality, but no part of any
      fee for DealerTrack Enhanced Base Functionality.

            (d) Notwithstanding Section 6.2(b), in the event a Credit Bureau
      Report Provider pays DealerTrack for a Credit Report transmitted through
      the DealerTrack System using the DealerTrack/CreditReportPlus Interface,
      DealerTrack will remit the amount thereof in excess of the amount of such
      Credit Bureau Report Provider Fee owing to DealerTrack under this
      Agreement.

      6.3 Advanced Functionality Subscription Fees. CreditReportPlus may, in its
      sole discretion, charge CreditReportPlus Customers for their subscription
      to Advanced Functionality pursuant to separate contracts between
      CreditReportPlus and CreditReportPlus Customers. Subject to Section 2.4,
      CreditReportPlus, in its sole discretion will determine the fees
      CreditReportPlus Customers will be charged for the Advanced Functionality.
      CreditReportPlus shall retain 100% of the Advanced Functionality
      subscription fees. In the event DealerTrack and CreditReportPlus mutually
      agree that DealerTrack shall sell Advanced Functionality to DealerTrack
      Participating Customers, the Parties will mutually agree on the
      compensation to DealerTrack for such activity.

      6.4 DealerTrack Enhanced Base Functionality Fees. DealerTrack may, in its
      sole discretion, charge DealerTrack Participating Customers for their
      subscription to DealerTrack Enhanced Base Functionality pursuant to
      separate contracts between DealerTrack and DealerTrack Participating
      Customers. DealerTrack, in its sole discretion will determine the fees
      DealerTrack Participating Customers will be charged for the DealerTrack
      Enhanced Base Functionality. DealerTrack shall retain 100% of the
      DealerTrack Enhanced Base Functionality subscription fees.

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      6.5 Payments and Payment Terms.

            (a) CreditReportPlus will remit to DealerTrack all amounts due and
      payable by CreditReportPlus to DealerTrack pursuant to Section 6 of this
      Agreement ("DealerTrack Fees") within five (5) business days following the
      actual day fees are received by CreditReportPlus from the applicable
      Credit Bureau Report Provider and within five (5) business days following
      the end of the calendar month in which the actual fees are received by
      CreditReportPlus from Dealers. CreditReportPlus will diligently pursue
      collection of all amounts due from Credit Bureau Report Providers and
      Dealers if such amounts are not paid on the due dates stated in their
      respective agreements. If any act or omission of CreditReportPlus provides
      an offset or credit to a sum otherwise owing from a Credit Bureau Report
      Provider or Dealer to CreditReportPlus, CreditReportPlus will pay
      DealerTrack as if such offset or credit did not exist. If a Credit Bureau
      Report Provider refunds or reverses a fee with respect to which
      CreditReportPlus has paid a DealerTrack Fee, CreditReportPlus will have
      the right to make appropriate adjustments to subsequent DealerTrack Fees.
      If CreditReportPlus fails to pay any amount due within the period
      referenced above, late charges assessed at the lesser of 1 1/2% per month,
      or the maximum amount permissible by Applicable Law will also become due
      and payable from the due date through and including the date of payment.
      For this purpose, sums paid by CreditReportPlus to DealerTrack will be
      applied first to outstanding late charges, and then to monthly amounts
      owing but not paid. DealerTrack's assessment or collection of late charges
      will be without prejudice or limitation to any other rights and remedies
      of DealerTrack under this Agreement or pursuant to Applicable Law.

      (b) DealerTrack will remit to CreditReportPlus all amounts due and payable
      by DealerTrack to CreditReportPlus pursuant to Section 6 of this Agreement
      ("CreditReportPlus Fees") within five (5) business days following the
      actual day fees are received by DealerTrack from the applicable Credit
      Bureau Report Provider and within five (5) business days following the end
      of the calendar month in which the actual fees are received by DealerTrack
      from Dealers. DealerTrack will diligently pursue collection of all amounts
      due from Credit Bureau Report Providers and Dealers if such amounts are
      not paid on the due dates stated in their respective agreements. If any
      act or omission of DealerTrack provides an offset or credit to a sum
      otherwise owing from a Credit Bureau Report Provider or Dealer to
      DealerTrack, DealerTrack will pay CreditReportPlus as if such offset or
      credit did not exist. If a Credit Bureau Report Provider refunds or
      reverses a fee with respect to which DealerTrack has paid a
      CreditReportPlus Fee, DealerTrack will have the right to make appropriate
      adjustments to subsequent CreditReportPlus Fees. If DealerTrack fails to
      pay any amount due within the period referenced above, late charges
      assessed at the lesser of 1 1/2% per month, or the maximum amount
      permissible by Applicable Law will also become due and payable from the
      due date through and including the date of payment. For this purpose, sums
      paid by DealerTrack to CreditReportPlus will be applied first to
      outstanding late charges, and then to monthly amounts owing but not paid.
      CreditReportPlus' assessment or collection of late charges will be without
      prejudice or limitation to any other rights and remedies of
      CreditReportPlus under this Agreement or pursuant to Applicable Law.

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7.    Staffing and Resources.

      7.1 Project Manager. Not later than ten (10) calendar days after the
      Execution Date, each Party will designate one person and one alternate to
      serve as its "Project Manager" with respect to implementing this
      Agreement. The Project Manager will have sufficient knowledge and
      authority to implement this Agreement. Either Party may change its Project
      Manager or the alternate at any time by giving notice to the other Party.
      In the event either Party is dissatisfied with the other Party's Project
      Manager for good cause shown, the other Party will replace the Project
      Manager with an acceptable substitute within a reasonable period of time,
      not to exceed sixty (60) calendar days from request of the other Party,
      unless the other Party consents to a longer period of time.

      7.2 Staffing and Resources. At all times during the Term, each Party will
      be responsible for dedicating appropriate and sufficient staffing and
      resources to meet its obligations under this Agreement.

8.    Term and Termination.

      8.1 Term and Termination for Lapse of Time. The term of this Agreement
      will begin on the Effective Date, and will continue through and including
      March 19, 2010 (the "Initial Term") unless sooner terminated as provided
      below. Upon expiration of the Initial Term, unless terminated by either
      Party by notice of non-renewal given not less than one hundred and eighty
      (180) calendar days prior to the expiration of the Initial Term, this
      Agreement will automatically renew for successive one (1) year terms (each
      a "Renewal Term") without further action by either Party. During any
      Renewal Term, either Party may terminate this Agreement, effective at the
      end of such Renewal Term, by notice of termination given not less than one
      hundred and eighty (180) calendar days prior to the expiration of such
      Renewal Term. The "Term" of this Agreement includes the Initial Term and
      any subsequent Renewal Terms.

      8.2 DealerTrack's Right of Termination for Cause. This Agreement may be
      terminated immediately by DealerTrack for cause by notice to
      CreditReportPlus upon the occurrence of any of the following events: (a)
      if CreditReportPlus ceases to do business, or otherwise terminates its
      business operations; (b) if CreditReportPlus fails to promptly secure or
      renew any material license, registration, permit, authorization, or
      approval for the conduct of its business in the manner contemplated by
      this Agreement, or if any necessary license, registration, permit,
      authorization, or approval is revoked or suspended and not reinstated
      within thirty (30) calendar days of such revocation or suspension; (c) if
      CreditReportPlus breaches any material provision of this Agreement and
      fails to fully cure such breach within thirty (30) calendar days of notice
      describing the breach; (d) if CreditReportPlus becomes insolvent, or seeks
      protection under any bankruptcy, receivership, trustee, creditor's
      arrangement composition, or comparable state or federal proceeding, or if
      any such proceeding is instituted against CreditReportPlus and is not
      dismissed within thirty (30) calendar days of its commencement; (e) in the
      event of termination of the DealerTrack-CREDCO Agreement; (f) in the
      circumstances described in Sections 2.1, 2.8, and 11 of this Agreement; or
      (g) in the event Control of CreditReportPlus is transferred to an entity
      other than a current Affiliate of The First

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      American Corporation. If First American Corporation is going to transfer
      Control of CreditReportPlus to an Affiliate other than a current Affiliate
      of The First American Corporation, First American must first obtain the
      approval of DealerTrack.

      8.3 CreditReportPlus' Right of Termination for Cause. This Agreement may
      be terminated immediately by CreditReportPlus for cause by notice to the
      DealerTrack upon the occurrence of any of the following events: (a) if
      DealerTrack ceases to do business, or otherwise terminates its business
      operations; (b) if DealerTrack fails to promptly secure or renew any
      material license, registration, permit, authorization, or approval for the
      conduct of its business in the manner contemplated by this Agreement, or
      if any necessary license, registration, permit, authorization, or approval
      is revoked or suspended and not reinstated within thirty (30) calendar
      days of such revocation or suspension; (c) if DealerTrack breaches any
      material provision of this Agreement and fails to fully cure such breach
      within 30 calendar days of notice describing the breach; (d) if
      DealerTrack becomes insolvent, or seeks protection under any bankruptcy,
      receivership, trustee, creditor's arrangement composition or comparable
      state or federal proceeding, or if any such proceeding is instituted
      against DealerTrack and is not dismissed within thirty (30) calendar days
      of its commencement; or (e) in the circumstances described in Sections 3.2
      or 11 of this Agreement.

      8.4 Termination Right for Non-Use by Dealers. Notwithstanding anything to
      the contrary in this Agreement, after the Live Production Date, this
      Agreement will automatically terminate if during the Initial Term or any
      Renewal Term there are no DealerTrack Participating Customers using the
      DealerTrack/CreditReportPlus Interface to access the CreditReportPlus
      Service for a period of ninety (90) calendar days.

      8.5 Wind-Down. Upon any termination of this Agreement for any reason, the
      Parties will mutually cooperate to effectuate a seamless conversion of
      systems and operations from the CreditReportPlus System to the DealerTrack
      System with minimal disruption to DealerTrack Participating Customers.
      During such time, each Party will maintain the operation of its System and
      DealerTrack will provide the DealerTrack Services and CreditReportPlus
      will provide the CreditReportPlus Services to DealerTrack Participating
      Customers on the terms provided for in this Agreement and each Party will
      continue to make improvements and enhancements to the same degree as
      during the Term. Each DealerTrack Participating Customer will retain the
      right to use the Advanced Functionality pursuant to the terms of its
      agreement to do so until the earlier of: (a) the scheduled expiration of
      the Dealer's agreement for Advanced Functionality; (b) such time as
      DealerTrack converts the DealerTrack Participating Customer to an
      alternative system; or (c) one year from the termination of this Agreement
      (the "Wind-Down Period"). During such time, each Party will continue to
      have a license under Section 9 to interface with the other Party's System
      and each Party will otherwise operate as if this Agreement were still in
      effect. During the Wind-Down Period, each Party shall maintain and make
      enhancements to the operation of the DealerTrack/CreditReportPlus
      Interface and CreditReportPlus will provide the CreditReportPlus Service
      to DealerTrack Participating Dealers upon the terms stated herein. In
      addition, upon termination of this Agreement, the Parties will have the
      duties set forth in Section 12.6 regarding the return

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      or destruction of Confidential Information. The Sections identified in
      Section 17.9 of this Agreement will survive termination of this Agreement.

9.    Licenses; Proprietary Rights

      9.1 Reciprocal Licenses in Confidential Information. In accordance with
      the terms of this Agreement and for the Term, the Parties agree to provide
      each other with a non-exclusive and non-transferable, license to use the
      Confidential Information provided by the other Party in any Systems
      Specifications document for the sole purpose of providing integration
      support for DealerTrack Participating Customers and the CreditReportPlus
      Service and otherwise complying with the provisions of this Agreement.
      Neither Party will make any changes or modifications to the other's
      System, nor any Systems Specifications document, except as directed and
      approved by both Parties in writing.

      9.2 Reciprocal Licenses in Marks. In accordance with the terms of this
      Agreement and for the Term, each Party grants the other a non-exclusive
      and non-transferable license to use the other Party's Marks for the sole
      purposes of: (a) identifying that the Party has access to the other
      Party's System through the DealerTrack/CreditReportPlus Interface (whether
      in print, electronically or otherwise); and (b) performing its obligations
      under this Agreement.

      9.3 Acknowledgement of Rights in Property. The Parties understand and
      agree that each is the exclusive owner of, holds and will retain, all
      right, title, and interest in and to their respective Confidential
      Information, Intellectual Property, Software, Systems, and any other
      equipment, software, hardware, materials, or information provided by that
      Party, including any enhancements, upgrades, improvements, changes,
      modifications, revisions, or derivative works made to the same from time
      to time and all versions, and any enhancements conceived, made, or
      implemented during all phases of development including any enhancements
      suggested by one of the Parties or its Users (the "Property"), and the
      other Party will have no ownership or use rights in that Property, except
      as set forth in this Agreement. The Parties agree that upon the other
      Party's request and at the requesting Party's expense, to assign to the
      requesting Party in writing any proprietary interest that may be conferred
      upon that Party by law in any such enhancements, upgrades, improvements,
      changes, revisions, modifications, and derivative works to the requesting
      Party's Property.

      9.4 Prohibited Uses of Property. Notwithstanding anything to the contrary
      in this Agreement, no Party will use the other Party's Property in a
      manner that it knows or reasonably believes: (a) disparages the other
      Party, its products or services; or (b) portrays the other Party, its
      products or services in a false or poor light. However, at the owner's
      written request, the other Party will promptly alter or discontinue any
      particular use of that Party's Property, as applicable and, if the other
      Party does so as soon as commercially practicable, such use will not be
      deemed a default of this Agreement.

      9.5 No Alteration of Reverse Engineering of Property. Except as expressly
      permitted under this Agreement, the Parties agree that they will not, and
      will not permit any User, customer or Third Party to, at any time, without
      written permission of the other Party, to

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      copy, duplicate, decompile, disassemble, or reverse engineer any software
      component of the other Party for any reason, including, to develop
      functionally similar computer software or services, or modify, alter, or
      delete any of the copyright notices embedded in or affixed to the copies
      of any components of the other Party.

      9.6 Third Party Software. If and to the extent that a Party incorporates
      the software of any Third Party in their System or software, the license
      to such Third Party software will be defined and limited by the license to
      that Party by such Third Party. The Parties specifically acknowledge that
      the licensors of such Third Party software will retain all ownership
      rights thereto, and the Parties agree that it will not, and will not
      permit any User, customer, or Third Party to: (a) decompile, disassemble
      or reverse engineer such Third Party software or otherwise use such Third
      Party software for any reason except as expressly permitted in this
      Agreement; (b) reproduce the software for purposes other than those
      specifically permitted under this Agreement; or (c) modify, alter, or
      delete any of the copyright notices embedded in or affixed to such third
      Party software.

10.   Mutual Representations, Warranties and Covenants.

      10.1 Mutual Representations and Warranties. As of the date of this
      Agreement, DealerTrack represents and warrants to CreditReportPlus, and
      CreditReportPlus represents and warrants to DealerTrack that:

      (a) It is a duly organized and a validly existing corporation that is
      qualified and licensed in all states where it is necessary for the
      transaction of its business;

      (b) It has the requisite power, authority, and legal right to execute and
      deliver this Agreement, and perform and observe the terms and conditions
      of this Agreement. The person signing this Agreement has full power and
      authority to bind the Party it represents. The execution, delivery, and
      performance of this Agreement have been duly authorized by all necessary
      and appropriate corporate actions on the part of the Party. No consent,
      approval, authorization or order of, registration or filing with, or
      notice to any governmental authority or court is required under Applicable
      Law to effectuate the execution, delivery, and performance by the Party of
      this Agreement;

      (c) This Agreement has been duly authorized and executed by each Party and
      this Agreement is valid, binding and enforceable against each Party in
      accordance with its terms, except that such enforcement may be subject to
      bankruptcy or other similar laws or by general principles of equity. The
      execution, delivery, and performance by each Party of this Agreement does
      not conflict with any term or provision of: (i) its certificate of
      incorporation or by-laws; (ii) any material law, rule, regulation, order,
      judgment, writ, injunction, or decree of any court, regulatory body,
      administrative agency, or governmental body having jurisdiction as now or
      as may become effective over either Party, including but not limited to
      Applicable Law; or (iii) any agreement to which a Party is a Party or by
      which its property is bound;

      (d) There is no action, proceeding, or investigation pending or, to the
      best knowledge of each Party, threatened against it, before any court,
      administrative agency,

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      or other tribunal which could reasonably be expected to materially and
      adversely affect the other Party's performance of its obligations under,
      or the validity or enforceability of, this Agreement; and

      (e) THE REPRESENTATIONS AND WARRANTIES SET FORTH IN SECTION 10.1 ARE THE
      ONLY WARRANTIES MADE BY THE PARTIES TO EACH OTHER. THE WARRANTIES ARE IN
      LIEU OF, AND EACH PARTY EXPRESSLY DISCLAIMS, ALL OTHER WARRANTIES, EXPRESS
      OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF
      MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR FITNESS FOR
      SECURITIZATION OR OTHER SECONDARY FINANCING TRANSACTIONS. WITHOUT LIMITING
      THE GENERALITY OF THE FOREGOING, THE PARTIES SPECIFICALLY DISCLAIM ANY
      REPRESENTATION OR WARRANTY: (i) THAT THEIR SYSTEM AND SERVICES, WILL
      PERFORM WITHOUT INTERRUPTION OR BE ERROR-FREE; (ii) THAT THEIR SERVICE
      MEETS THE OTHER PARTY'S REQUIREMENTS; OR (iii) THAT ANY OR ALL OF THE DATA
      PROVIDED THROUGH THE DEALERTRACK/CREDITREPORTPLUS INTERFACE IS ACCURATE,
      UP-TO-DATE, OR COMPLETE. ALL DATA AND INFORMATION PROVIDED THROUGH THE
      DEALERTRACK/CREDITREPORTPLUS INTERFACE IS PROVIDED ON AN "AS IS," "AS
      AVAILABLE" BASIS, WITHOUT EXPRESS OR IMPLIED WARRANTIES OF ANY KIND.

      10.2 Fees. Except as otherwise set forth in this Agreement, each Party
      covenants and agrees that it will not, without the prior consent of the
      other Party, charge any fees to any DealerTrack Participating Customers
      for access to Credit Reports using the DealerTrack/CreditReportPlus
      Interface, provided that nothing contained herein will prohibit
      DealerTrack from charging fees to any DealerTrack Participating Customers
      for any DealerTrack Services other than access to Credit Reports.
      Notwithstanding the foregoing, nothing in this Section 10.2 shall prohibit
      CreditReportPlus from charging DealerTrack Participating Customers for
      Advanced Functionality and nothing in this Section 10.2 shall prohibit
      DealerTrack from charging DealerTrack Participating Customers for reports
      containing information derived from Credit Reports in combination with
      information other than Credit Report information.

      10.3 Mutual Covenants. Each Party covenants, and agrees on a continuing
      basis as follows during the Term:

      (a) That the Party has and will maintain all regulatory approvals,
      authorizations, licenses, permits, and other permissions, consents, and
      authorities needed to perform its obligations under this Agreement;

      (b) In connection with carrying out its obligations contained in this
      Agreement, the Party will comply at all times with all Applicable Law;

      (c) That each Party's use of any material, product or other aspect of any
      technology or Intellectual Property will not infringe on or violate any
      U.S. patent; copyright; trade

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      secret; trademark; or other proprietary right of any Third Party, or be
      libelous, defamatory or illegal;

      (d) It will accurately and completely transmit Data (i) to the other
      Party, and (ii) to DealerTrack Participating Customers for all Data that
      such Party transmits directly to DealerTrack Participating Customers; and

      (e) It will use commercially reasonable means to protect the security of
      Credit Bureau Report Providers' Subscriber Codes and passwords and it will
      not provide such codes and passwords to Third Parties.

11.   Infringement Claims of Third Parties.

      Notwithstanding anything to the contrary in this Agreement, if any aspect
      of a Party's Intellectual Property, that is necessary for meeting that
      Party's or the other Party's obligations under this Agreement, becomes, or
      is likely to become, subject to a claim of infringement, that Party, at
      its option and its expense, will either: (a) procure for the other Party,
      a license or a right to continue using the Intellectual Property; or (b)
      modify the Intellectual Property to make it non-infringing but not
      materially impair its functionality. If neither of the foregoing two
      options is reasonably available, then either Party may terminate this
      Agreement by notice to other Party. Except for the indemnity obligations
      set forth in Section 13 below, the foregoing will be the Parties' sole and
      exclusive remedy with respect to any infringement claims relating to
      Intellectual Property.

12.   Confidentiality.

      12.1 Confidential Information. For the purposes of this Agreement,
      "Confidential Information" means information which, during the Term is
      revealed by or through a Party (a "Disclosing Party") to the other (a
      "Receiving Party") and:

      (a) If it is disclosed in writing, is marked "confidential" or
      proprietary" or with another similar marking;

      (b) If it is not disclosed in writing, then at the time of disclosure is
      identified by the Disclosing Party as confidential or proprietary;

      (c) If the information includes the database schema, technical
      requirements, operation or performance of a Party's System;

      (d) If the type of the information is financial, strategic business,
      scientific, technical, economic, or engineering information including,
      patterns, plans, compilations, customer lists, program devices, formulas,
      designs, prototypes, methods, techniques, processes, procedures, programs,
      or codes, whether tangible or intangible, and whether or how stored,
      compiled, or memorialized physically, electronically, graphically,
      photographically, or in writing;

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      (e) If the information is traditionally recognized as proprietary, trade
      secret or reasonably understood to be confidential; and

      (f) The terms of this Agreement are Confidential Information of both
      Parties.

      12.2 Non-Confidential Information. Confidential Information does not
      include information which:

      (a) Prior to disclosure to the Receiving Party by the Disclosing Party was
      known by the Receiving Party free of any confidentially obligation to the
      Disclosing Party;

      (b) Is publicly available through no fault of the Receiving Party;

      (c) Is developed by the Receiving Party without use of the Disclosing
      Party's Confidential Information and without breach of a confidentiality
      obligation owed to Disclosing Party and outside the scope of any agreement
      with Disclosing Party;

      (d) Is disclosed to the Receiving Party by a Third Party not known by the
      Receiving Party after reasonable investigation to be under any
      confidentially obligation to the Disclosing Party; or

      (e) For DealerTrack only, information that DealerTrack provides to
      CreditReportPlus that consists of customer information of a DealerTrack
      Dealer that is provided to DealerTrack by such Dealer.

      12.3 Consumer Information. To the extent permitted by Applicable Law, each
      Party's Credit Bureau Report Provider agreements and in accordance with
      the terms and conditions of the CreditReportPlus/Credit Bureau Report
      Provider Agreements that DealerTrack approved pursuant to Section 2.1,
      each Party may compile, use, and disclose any Confidential Information and
      Data in the aggregate; provided, however, that any such use does not
      contain any nonpublic personal information identifying any individual
      entity, consumer, or customer without such person or entities' consent.
      For purposes of this subsection, the term "consumer" and "nonpublic
      personal information" have the meanings set forth in Section 509 of the
      Gramm-Leach-Bliley Act (P.L. 106-102) (15 U.S.C. Section 6809) and its
      implementing regulations.

      12.4 Treatment of Confidential Information. The Receiving Party will treat
      Confidential Information of the other Party as strictly confidential with
      at least the same degree of care as the Receiving Party uses for its own
      Confidential Information of similar importance, and in no event less than
      a reasonable degree of care. Except as permitted by Section 12.5, the
      Receiving Party will not reveal Confidential Information to any Third
      Party. The Receiving Party will not use, duplicate, copy, transmit, or
      otherwise disseminate or permit to be used, duplicated, copied,
      transmitted, or otherwise disseminated the Confidential Information of the
      other Party at any time prior to or after the termination of this
      Agreement, except as expressly permitted under this Agreement. Except as
      expressly provided in this Agreement, the Receiving Party may not use
      Confidential Information for its own benefit or that of any Third Party,
      nor will the

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      Receiving Party use Confidential Information to the Disclosing Party's
      detriment. The Receiving Party will use Confidential Information for the
      purposes authorized by this Agreement and for no other purpose. The
      Receiving Party will promptly notify the Disclosing Party in writing of
      any unauthorized use or disclosure of, and any unauthorized access to, any
      Confidential Information.

      12.5 Disclosure to Employees, Agents and Third Parties. A Receiving Party
      will not disclose Confidential Information of the Disclosing Party to its
      employees, Users, and independent contractors acting as the Receiving
      Party's agent unless such persons have agreed in writing to comply with
      the Confidential Information requirements of this Agreement and they need
      to know the Confidential Information in order to implement this Agreement.
      The Receiving Party will be liable for the wrongful actions of such
      individuals in their use or disclosure of the Confidential Information.
      Neither Party will otherwise disclose Confidential Information to any
      Third Party unless: (a) required by a federal or state court or
      governmental agency; (b) required by Applicable Law, including, but not
      limited to, responding to a subpoena; (c) on a "need-to-know" basis under
      an obligation of confidentiality to its legal counsel, accountants, banks
      and other financing sources, investment bankers and other DealerTrack
      advisors; or (d) in connection with any securities filing or to comply
      with disclosure requirements of laws applicable to corporate governance or
      compliance. If the Receiving Party is required to disclose Confidential
      Information under subsection (a) or (b) of this Section 12.5, the
      Receiving Party will promptly give the Disclosing Party notice before the
      disclosure of Confidential Information within enough time for the
      Disclosing Party to seek to protect its proprietary interest in the
      Confidential Information. The Receiving Party will use commercially
      reasonable efforts to minimize disclosures under this Section 12 and will
      consult with and assist the Disclosing Party in obtaining a protective
      order prior to disclosure if one is sought.

      12.6 Return of Confidential Information. Upon termination or expiration of
      this Agreement each Party will promptly destroy or return all of the other
      Party's Confidential Information, including, but not limited to any copies
      or partial copies regardless of their media or format, and certify in
      writing to the other Party that it has done so; provided, however, that
      the Receiving Party will not be required to retrieve Confidential
      Information given to a court or governmental agency having jurisdiction
      over the Receiving Party or Confidential Information it is required to
      maintain pursuant to Applicable Law and each Party will be permitted to
      retain a reasonable number of copies of Confidential Information processed
      through its System for archival purposes in accordance with the terms and
      conditions of the CreditReportPlus/Credit Bureau Report Provider
      Agreements that DealerTrack approved pursuant to Section 2.1.

13.   Indemnification.

      13.1 Defense and Indemnity Obligations. Each Party ("Indemnifying Party")
      agrees to indemnify, defend, and hold harmless the other Party its parent,
      Affiliates, subsidiaries, directors, officers, employees, and agents
      (collectively the "Indemnified Party"), from and against any and all
      claims, demands, actions, suits, losses, liabilities, damages,

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      injuries, fines, penalties, costs, and expenses including, reasonable
      attorneys' fees and court costs (including expert fees), asserted by a
      Third Party (each, a "Claim"), arising, directly or indirectly, from or in
      connection with:

      (a) A breach of any representation, warranty, covenant or other obligation
      set forth in this Agreement by the Indemnifying Party;

      (b) Gross negligence or willful or wanton behavior by the Indemnifying
      Party of its obligations under this Agreement.

      13.2 Notice and Cooperation. As a condition to the indemnification
      described in Section 13.1(a) above, the Party seeking indemnification must
      provide the Indemnifying Party with prompt notice of the Claim for which
      it seeks indemnification, and reasonably cooperate in the defense and
      allow the Indemnifying Party sole control of the defense as long as the
      Indemnifying Party diligently conducts such defense. No compromise or
      settlement of such Claims may be effected by the Indemnifying Party
      without the Indemnified Party's consent unless: (a) there is no finding or
      admission of any violation of law or any violation of the rights of any
      person and no effect on any other Claims that may be made against the
      Indemnified Party; and (b) the Indemnified Party will have no liability
      with respect to the compromise or settlement.

14.   Limitation Of Liability.

      14.1 CERTAIN DAMAGES NOT RECOVERABLE. EXCEPT FOR THE PARTIES' INDEMNITY
      OBLIGATIONS SET FORTH IN THIS AGREEMENT, IN NO EVENT WILL EITHER PARTY BE
      LIABLE TO THE OTHER FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR
      CONSEQUENTIAL DAMAGES, ARISING OUT OF THIS AGREEMENT, INCLUDING BUT NOT
      LIMITED TO LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF BUSINESS
      INFORMATION, OR COVER, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE
      POSSIBILITY OF SUCH DAMAGES; PROVIDED, HOWEVER, THAT THIS LIMITATION WILL
      NOT APPLY TO A BREACH OF SECTIONS 9, 11, 12, or 13 OF THIS AGREEMENT.

      14.2 DAMAGES CAP. EXCEPT FOR THE PARTIES' INDEMNITY OBLIGATIONS SET FORTH
      IN THIS AGREEMENT, IN NO EVENT WILL A PARTY'S LIABILITY FOR ANY DAMAGES IN
      ANY ACTION, HOWEVER BASED, ARISING OUT OF OR IN CONNECTION WITH THIS
      AGREEMENT, EXCEED THE SUM OF $5 MILLION.

      14.3 LOSS OR DAMAGE TO DATA. IN THE EVENT OF THE LOSS OF OR DAMAGE TO ANY
      DATA ON EITHER PARTY'S SYSTEM, OR THE DEALERTRACK/CREDITREPORTPLUS
      INTERFACE, DUE TO A CAUSE FOR WHICH A PARTY IS RESPONSIBLE, THE
      RESPONSIBLE PARTY WILL ALLOW THE OTHER PARTY, A CREDIT BUREAU REPORT
      PROVIDER OR A SUBSCRIBER TO RE-ENTER THE LOST OR DAMAGED DATA ON THEIR
      SYSTEM WITHOUT ANY ADDITIONAL FEES ACCRUING TO THE INJURED

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      PARTY AND, EXCEPT FOR ANY INDEMNITY OBLIGATION THAT MAY ARISE FROM THE
      LOSS OR DAMAGE TO DATA, THIS WILL CONSTITUTE THE INJURED PARTY'S SOLE
      REMEDY IN CONNECTION WITH LOSS AND/OR DAMAGE.

      14.4 ANALYSIS OF DATA. NEITHER PARTY WILL HAVE A DUTY TO VERIFY THE
      CONTENT OR ACCURACY OF, OR IN ANY MANNER TO ANALYZE DATA. THE PARTIES
      ACKNOWLEDGE THAT NEITHER PARTY IS ACTING AS A CREDIT BUREAU REPORTING
      AGENCY OR A CONSUMER REPORTING AGENCY.

15.   Taxes.

Each Party is responsible for their applicable taxes or duties based upon
amounts payable under this Agreement. The responsible Party will collect,
report, and remit applicable taxes in a timely manner.

16.   Audit Rights.

Each Party shall maintain accurate records in connection with carrying out its
payment obligations under this Agreement. Each Party (in such capacity, the
"Auditing Party") may, upon no less than thirty (30) days prior notice to the
other Party (in such capacity the "Audited Party") and not more than twice each
twelve (12) month period, cause an independent certified public accountant,
including its external auditors, to inspect the applicable business and finance
records of the Audited Party during normal business hours for purposes of
verifying the Audited Party's compliance with its obligations under Section 6
hereof. Such audit shall not unreasonably interfere with the conduct of the
Audited Party's business, and the independent auditor conducting such audit,
prior to the conduct of such audit, shall agree in writing with the Audited
Party prior to commencing the audit to keep confidential all materials and
information supplied to them by the Audited Party in connection with such audit.
The fees and expenses charged by such certified public accountant in connection
with such audit shall be the sole responsibility of, and shall be paid by the
Auditing Party.

17.   Miscellaneous.

17.1 Entire Agreement. This Agreement, the Exhibits, any addendums or amendments
executed by the Parties (concurrently or subsequent to the Effective Date) set
forth the entire agreement between the Parties with respect to the subject
matter of this Agreement, and no Party will be bound by any conditions,
definitions, warranties, understandings, or representations with respect to such
subject matter other than as expressly provided in this Agreement. This
Agreement supersedes all prior oral or written representations, agreements,
promises, or other communications, concerning or relating to the subject matter
of this Agreement.

17.2 Modifications, Amendments; Waiver. Except as expressly provided in this
Agreement, this Agreement may not be amended or modified except by a written
agreement signed by an authorized representative of each Party. The failure of a
Party to insist upon

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strict performance of any of the terms of this Agreement will not be construed
as a waiver of the right to assert or rely upon such terms on any future
occasion.

17.3 Headings; Severability. The captions to sections of this Agreement are for
convenience of reference only and do not in any way limit or amplify the terms
or conditions of this Agreement. If any provision of this Agreement is held by a
court of competent jurisdiction to be invalid or unenforceable, such provision
or requirement will be enforced only to the extent it is not in violation of
such law or is unenforceable and this Agreement, as well as all other provisions
and requirements of this Agreement, will remain in full force and effect. In the
event that performance of any obligation under this Agreement would cause a
breach or violation of any obligation of the DealerTrack-CREDCO Agreement, this
Agreement will be deemed amended to the extent necessary to modify the
obligation required by this Agreement to make it non-violative and not to cause
a breach of the DealerTrack-CREDCO Agreement.

17.4 Notices. Any notice, demand or other communication required or permitted
under the terms of this Agreement will be in writing and sent to the other Party
by a nationally known overnight courier service with tracking capabilities,
requiring a signature upon delivery, such as Airborne Express, Federal Express,
UPS, or USPS Express Mail. All notices will be effective upon receipt or if
courier delivery is refused, then upon tender of such delivery by the courier.
Notices will be addressed as follows:

            (a)   In the case of notices to CreditReportPlus:

                  Attn: Chief Executive Officer
                  CreditReportPlus, LLC
                  8671 Robert Fulton Drive
                  Columbia, Maryland 21046

                  With a copy to: General Counsel (at the same addresses as
                  above.)

                  AND

                  General Counsel
                  First American Corporation
                  1 First American Way
                  Santa Anna, California 92707

            (b)   In the case of notices to DealerTrack:

                  Until February 28, 2005:

                  DealerTrack, Inc.
                  105 Maxess Road, Suite N109

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                  Melville NY 11747
                  Attn: Chief Executive Officer

                  On and after February 28, 2005:

                  DealerTrack, Inc.
                  1111 Marcus Avenue
                  Lake Success, NY 11042-1034

                  Attn: Chief Executive Officer

                  With a copy to: General Counsel (at the same addresses as
           above.)

A Party to this Agreement may change its address for notification purposes by
giving the other Party prior notice of the new address and the date it will
become effective.

17.5 Successors and Assigns. Subject to Section 8.2 and 8.3, neither Party may
assign this Agreement without the prior consent of the other Party and any
attempted unauthorized assignment will be void. Notwithstanding the foregoing,
either Party may assign any of its rights or obligations under this Agreement to
the surviving corporation with or into which that Party may merge or
consolidate, or an entity to which that Party transfers all or substantially
all, of its voting rights, securities or assets, provided, however, that neither
Party may assign this Agreement to any competitor of the other Party, without
that Party's prior consent.

17.6 Relationship of Parties; Third Party Beneficiaries. Nothing in this
Agreement establishes, deems or constitutes a relationship between the Parties
of employer and employee, agency, joint venture or partnership, for any purpose
whatsoever. Except as set out in this Agreement, neither Party has the authority
or power to bind the other Party, or to contract in the name of or create a
liability against the other Party, in any way or for any purpose. Each Party
will perform all services and obligations under this Agreement as an independent
contractor.

17.7 Governing Law; Jurisdiction; Counterparts. This Agreement will be governed
by and construed and enforced solely and exclusively in accordance with the laws
of the State of Delaware, exclusive of its choice of law rules. Any action or
proceeding to enforce any right or obligation under this Agreement will be
brought, if at all, only in a federal or state court situated in the State of
Delaware. This Agreement may be executed in one or more counterparts, each of
which will, for all purposes be deemed to be an original and all of which will
constitute the same instrument.

17.8 Force Majeure. To the extent that a Party's performance pursuant to this
Agreement is prevented, hindered or delayed by a Force Majeure Event, then the
non-performing Party will be excused from further performance of their
obligations for as long as such Force Majeure Event continues and such Party
uses best efforts to

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<PAGE>

recommence performance The excused non-performance is conditioned however upon
the non-performing Party providing the other Party with prompt notice of the
Force Majeure Event, but in no event will notice be later than five (5) days
after the Force Majeure Event. The Parties agree that a Force Majeure Event
which effects either a Party or a Credit Bureau Report Provider includes:
governmental emergency order, judicial or governmental action, emergency
regulations, sabotage, riots, vandalism, labor strikes or disputes, acts of God,
fires, electrical failure, terrorist acts, major computer hardware or software
failures, or equipment delivery delays. The occurrence of a Force Majeure Event
does not limit or otherwise affect the Parties' obligation to provide either
normal recovery procedures or any other disaster recovery services required by
this Agreement.

17.9 Injunctive Relief. Each Party acknowledge that any actual or threatened
wrongful act or omission of the other Party, including but not limited to the
use or disclosure of Confidential Information, in violation of this Agreement
may cause irreparable injury to the Disclosing Party for which other remedies at
law may be inadequate, and that the aggrieved Party may seek and obtain
injunctive or other equitable relief as may be necessary or appropriate to
prevent any such wrongful act or omission without first being required to post a
bond or similar security, and may also exercise such other rights and remedies
as the Disclosing Party may have at law or in equity.

17.10 Survival. Each Party's obligations will survive termination as follows:
(a) All Sections of this Agreement will survive during the Wind-Down Period; (b)
if this Agreement is not terminated by CreditReportPlus for DealerTrack's
material breach and failure to cure within the time provisions provided for
herein, Section 2.7 will survive; (c) if any outstanding amounts are due for the
period of time prior to termination of the expiration of the Wind-Down Period,
Sections 6.2, 6.3, 6.4, and 6.5 will survive; and (d) the following provisions
will survive any expiration or termination of this Agreement: Sections 8.5, 9.3,
9.4, 9.5, 9.6, 11, 12, 13, 14.1, 14.2, 14.4, 15, and 17.

17.11 Consents and Approvals. Except where otherwise expressly stated in this
Agreement or otherwise agreed to by the Parties, consents and approvals, when
required by this Agreement, will be in writing and will not be unreasonably
withheld, delayed, or conditioned.

17.12 Compliance with Applicable Law. All of the rights and obligations of both
Parties are conditioned upon the Parties' being at all times in compliance with
Applicable Law. Accordingly, no act or obligation of a Party provided for under
any provision of this Agreement will be required to be performed if in the
reasonable opinion of such Party's counsel, such act or obligation would violate
any material Applicable Law.

17.13 Rules of Construction. For purposes of this Agreement, except as otherwise
expressly provided for in this Agreement or unless the context otherwise
requires, the terms defined in this Agreement include the plural as well as the
singular, and the use of any gender in this Agreement will be deemed to include
the other gender or no gender. The term "including" means "including but not
limited to" unless the context otherwise expressly provides. In the event of a
conflict between this Agreement and the terms of any Exhibit, the terms of this
Agreement will prevail. In the event of a conflict between

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this Agreement and an addendum, the terms of the addendum will control. This
Agreement represents the product of negotiations between the Parties and their
respective counsel and no provision of this Agreement will be construed or
interpreted for or against either Party by reason of the rule of construction
against the draftsman or similar doctrine.

                             Signature Page Follows

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      IN WITNESS WHEREOF, the Parties to this Agreement have executed this
      Agreement effective as of December 1, 2004.

DEALERTRACK, INC.                            CREDITREPORTPLUS, LLC.

By:                                          By:

Name:                                        Name:

Title:                                       Title:

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                                       41<PAGE>
                                                                    EXHIBIT 10.7

                                (EVALUATE LOGO)

                                  E-CONTRACTING
                          APPLICATION SERVICE PROVIDER CONTRACT

         This License and Application Service Provider Agreement (the "ASP
Agreement") is executed as of April 15, 2005 ("Execution Date") between FIRST
AMERICAN CREDIT MANAGEMENT SOLUTIONS, INC., a Delaware corporation with its
principal place of business at 8671 Robert Fulton Drive, Suite B Columbia,
Maryland 21046 ("CMSI"), and DEALERTRACK, INC. a Delaware corporation, with its
principal place of business at 1111 Marcus Avenue Suite M04, Lake Success, NY
11042 ("Licensee"). CMSI and Licensee are each a "Party" and together "Parties"
to this ASP Agreement.

                                   BACKGROUND

         Licensee wishes to license CMSI's proprietary evaluate (R) software
("Program") to verify electronic contract transactions submitted to the
DealerTrack System by DealerTrack Dealers and/or DealerTrack Lenders. CMSI will
host the Program on the CMSI System in an ASP environment for the Term. At any
time during the Term, Licensee may, upon notice to CMSI, exercise an option to
use the Program on Licensee's own computer system, provided Licensee executes a
Software License and Licensee Hosting Agreement in substantially the same form
set out as Exhibit D to this ASP Agreement ("License Agreement").

         THEREFORE, in consideration of the Terms and Conditions below and other
valuable consideration, the sufficiency of which is acknowledged by the Parties,
the Parties enter into this ASP Agreement as follows.

                              TERMS AND CONDITIONS

1. Definitions. In addition to the capitalized terms defined elsewhere in this
ASP Agreement, the following definitions apply to these capitalized terms:

     1.1 "Affiliate" of a Party, means another entity that controls, is
     controlled by, or is under common control of the Party. For purposes of
     this ASP Agreement, control of an entity means ownership, whether directly
     or indirectly through the control of one or more intervening entities of
     more than 50% of the entire ownership interest in the entity, control of
     the entity's voting stock, or the right and power to direct the entity's
     affairs.

     1.2 "Billing Month" means the period of time between the twenty-fifth (25%)
     day of one month through the twenty-fourth (24th) day of the immediately
     successive month.

     1.3 "Configuration Specifications Document" means the document, prepared by
     CMSI and signed BY Licensee in accordance with Section 3.2 of this ASP
     Agreement.

     1.4 "Credit Application" means information submitted to the Program in
     connection with a customer's request for a Credit Decision from a
     DealerTrack Lender including but not limited to the Credit Application
     document and the information contained therein.

     1.5 "Credit Decision" means a preliminary or final assessment, analysis or
     determination and information with respect to: (a) whether to make,
     purchase or sell a Loan, (b) whether the making, purchasing or selling of a
     Loan satisfies certain criteria, a policy or rule, or (c) the
     credit-worthiness of an applicant for a Loan.

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<PAGE>
      1.6 "Contract Data" means information submitted to the Program generated
      by, and necessary for, the completion of a retail installment sales
      contract or a lease instrument including but not limited to all Federal
      and state law disclosures.

      1.7 "Data" means information transmitted in electronic form by Licensee, a
      DealerTrack Dealer or a DealerTrack Lender through the Program, including,
      without limitation, any credit applications, credit reports, electronic
      contracts or information whether provided directly or indirectly. Licensee
      and CMSI may from time to time, with written consent from the other, add
      additional data fields to, or delete certain data fields from the Data
      accessed through the Program. These fields will be included in the term
      "Data."

      1.8 "Data Center" means the area of the building or buildings at CMSI or
      at a designated annex, where the CMSI System is physically located.

      1.9 "DealerTrack" means the Licensee and its Affiliates.

      1.10 "DealerTrack Dealer" means the dealers authorized by DealerTrack to
      submit Electronic Contracts to DealerTrack Lenders via the DealerTrack
      System.

      1.11 "DealerTrack Lender" means the lenders authorized by DealerTrack to
      use Verification for Electronic Contracts submitted by DealerTrack
      Dealers.

      1.12 "DealerTrack Lender Criterion" means the characteristics selected by
      a DealerTrack Lender from DealerTrack's standard menu of options to be
      used in Verification of an Electronic Contract.

      1.13 "DealerTrack Rules Expressions" means any rule or calculation newly
      created in the Program specifically for a DealerTrack Lender as part of
      the DealerTrack Lender Criterion.

      1.14 "DealerTrack System" means DealerTrack's web-based, multi-financing
      source system that facilitates the transfer of Data from DealerTrack
      Dealers to DealerTrack Lenders and the transfer of Data back to such
      DealerTrack Dealers.

      1.15 "Electronic Contract" means Contract Data electronically submitted by
      a DealerTrack Dealer to a DealerTrack Lender.

      1.16 "Equipment" means any hardware, router, mechanism, device, or
      software used in connection with the Program, excluding the Program
      itself.

      1.17 "External Site" means Equipment sites or web sites used by or on
      behalf of a Third Party to transmit data to, or receive data from, the
      Program.

      1.18 "Licensee Enhancements" means, subject to Section 2.3, any
      modifications, enhancements or alterations to the Licensed Products made
      by Licensee independently of CMSI. Licensee Enhancements do not include
      any software code (or related documentation) that Licensee may develop in
      order to create an interface or other means of retrieving data from the
      Program and compiling reports or transmitting the data to other systems
      that Licensee utilizes to operate its business, provided such software
      code does not modify or alter the functionality of the Program and does
      not modify or alter the Program's object code or Source Code.

      1.19 "Licensed Products" means the Program and the Program Documentation,
      as hereinafter defined.

      1.20 "Loan" means a lease, loan, installment contract or other extension
      of credit to a person or entity.

                                       2
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      1.21 "Network" means the Equipment operated by CMSI to run the Program and
      to provide Licensee remote access to the Program.

      1.22 "Program" means, in object code form only, the Program components,
      modules and interfaces identified in Exhibit A.

      1.23 "Program Documentation" means the Configuration Specifications
      Document and any other written or electronic documentation provided by
      CMSI to Licensee or its Affiliate for use in connection with the Program.

      1.24 "Program Error" means a material failure of the Program to perform in
      accordance with the Configuration Specifications Document because of a
      failure in the Program, but does not include a failure caused by any
      condition set forth in Exhibit B, Section 5.

      1.25 "Service Level Agreement" means the Service Level Agreement and
      Procedures which are provided by CMSI to Licensee and which may be updated
      from time to time by mutual agreement of the Parties. The form of the
      Service Level Agreement attached as Exhibit B is the Service Level
      Agreement in effect as of the Execution Date.

      1.26 "System" means all software, and all hardware, equipment, and
      computers provided or used by a particular Party.

      1.27 "Task Order" means a written request by Licensee or its Affiliate for
      service, work, maintenance or other assistance from CMSI on a form
      prescribed by CMSI. A Task Order may include requested services which will
      be billed to Licensee at the professional services rates indicated in
      Exhibit C for the type of service requested. Task Orders may cover
      services not anticipated on the Execution Date and may not be included in
      the pricing for this ASP Agreement in Exhibit C.

      1.28 "Term" has the meaning provided in Section 8 of this ASP Agreement.

      1.29 "Third Party" means a person or entity other than (a) CMSI, (b)
      Licensee, (c) an Affiliate of CMSI, (d) an Affiliate of Licensee, or (e)
      or an employee of (a) through (d).

      1.30"Unscheduled Outage" means the inability of Licensee or its Affiliate
      to access the Program because of a failure in the System or Data Center,
      but not including: (a) scheduled downtime consistent with the Service
      Level Agreement, or (b) the effect of any condition set forth in Exhibit
      B, Section 5.

      1.31 "Verification" means the process by which the evaluate Program
      analyzes and compares Credit Application, Credit Decision and Contract
      Data with each DealerTrack Lender's Criterion for the purpose of
      determining, within that DealerTrack Lender's pre-selected tolerance
      levels, the conformity of the Credit Application, Credit Decision and
      Contract Data to that DealerTrack Lender's Criterion. For the purposes of
      clarity, the analysis and comparison of Credit Application, Credit
      Decision and Contract Data for spot delivery is considered part of
      Verification.

2. License. Subject to all of the terms and conditions of this ASP Agreement,
CMSI grants Licensee and its Affiliates, and Licensee accepts, a non-exclusive,
non-transferable license, to use the Licensed Products during the Term. Each of
the following subsections is a condition of this license:

      2.1 Scope of Use. Licensee will solely use the Program in connection with
      the business functionality identified in Exhibit A, Section 3. In
      addition, Licensee and its Affiliates will not:

           (a) Provide any Third Party access to or use of the Program other
           than for Verification, or otherwise operate the Program in a service
           bureau environment; or

                                       3
<PAGE>
           (b) Use the Program for Verification or similar analysis of any
           Credit Application, any Credit Decision or any Contract Data, which
           is not submitted by a DealerTrack Dealer to a DealerTrack Lender
           before or at the time of submitting it to the Program.

           (c) Use the Program: (i) outside of the United States of America or
           Canada or to process Credit Applications for a financial institution
           outside of the United States of America or Canada.

      2.2 Program Database. Licensee may not modify the Program's database, or
      add to, modify or delete any data in the Program's database, except
      through use of the Program in accordance with the Program Documentation
      and Configurations Specifications Document. Licensee will not authorize
      its Affiliates to modify the Program's database, or add to, modify or
      delete any data in the Program's database, except through use of the
      Program in accordance with CMSI's written permission, directions,
      specifications and requirements.

      2.3 Ownership. Licensee acknowledges and agrees CMSI is the sole owner of
      any and all right, title or interest of any kind, anywhere in the world,
      whether now existing or created in the future, of any or all of the
      Licensed Products, including without limitation any copyright, patent or
      trade secret rights Licensee, on its behalf and on behalf of its
      Affiliates, irrevocably assigns to CMSI, now and in the future, and
      without need for further consideration or action, any and all right, title
      or interest, including without limitation any copyright, patent or trade
      secret rights, that may be conferred on or obtained by Licensee or its
      Affiliate in any of the Licensed Products, except for the license granted
      under this ASP Agreement provided however that this assignment expressly
      excludes all Licensee Enhancements which the Parties acknowledge are the
      sole and exclusive property of Licensee or its vendors as their interests
      may appear. Upon CMSI's request and at CMSI's expense, Licensee and its
      Affiliates will promptly execute, obtain all necessary documents and
      signatures, and take all other actions necessary to effect or confirm this
      assignment. Licensee will cause its employees, its Affiliates, and its
      Affiliates' employees, to comply with this Section 2.3. CMSI will have no
      right, title, or interest in any Data, which is Confidential Information
      of Licensee, its Affiliates, any DealerTrack Lender or any DealerTrack
      Dealer, as their interests may appear. CMSI will not retain Data for any
      purpose other than to perform its obligations pursuant to this ASP
      Agreement. The Parties further agree that Dealer Track Rule Expressions
      will be deemed Confidential Information of DealerTrack and the DealerTrack
      Lender unless: (1) the DealerTrack Rule Expression was already in CMSI's
      library when submitted to CMSI by DealerTrack for configuration or
      development; (2) a Third Party asks CMSI to develop a rule expression that
      is similar to, or contains similar components as may be found in the
      DealerTrack Rule Expression, in which event the rule expression as
      developed by CMSI for the Third Party will not be restricted as to
      disclosure or use by reason of the confidentiality of the DealerTrack Rule
      Expression; or (3) if at Licensee's request, CMSI develops a rule
      expression for Licensee that is used by Licensee for general use and
      circulation among DealerTrack Lenders.

      2.4 Proprietary Protections. Licensee will not, and will not permit its
      employees, Affiliates or any Third Party to:

            (a) Use or copy all or part of any of the Licensed Products except
            in accordance with this ASP Agreement;

            (b) Decompile, disassemble or reverse engineer all or part of the
            Licensed Products, or create, access or use all or part of the
            source code for the Program;

            (c) Except as otherwise permitted by this Agreement, create any
            derivative work from all or part of any of the Licensed Products, or
            use all or part of the Licensed Products to create computer software
            with functionality similar to any functionality of the Program; or

            (d) Modify or delete any copyright, trademark or other rights notice
            embedded in or affixed to any of the Licensed Products.

                                       4
<PAGE>
      2.5 Reservation of Rights; Affiliate Compliance. CMSI reserves all rights
      not expressly granted in this ASP Agreement. Licensee may not use the
      Program for, or disclose the Licensed Products to, any Affiliate, unless
      the Affiliate agrees to and complies with this ASP Agreement. Licensee is
      responsible and liable for damages for any failure by an employee or
      Affiliate to comply with this ASP Agreement.

3. Implementation. The Parties will implement the Program through the Acceptance
Date as follows:

      3.1 Project Manager. No later than ten (10) calendar days after the
      Execution Date, each Party will designate in writing to the other Party, a
      "PROJECT MANAGER" to act as its representative for the implementation of
      the Program. A Party's Project Manager must have an appropriate level of
      expertise and the authority to act on the Party's behalf. A Party may
      change its Project Manager with prompt written notice to the other Party's
      Project Manager. DealerTrack hereby designates Charles Giglia as its
      Project Manager.

      3.2 Configuration Specifications. Licensee will select its configuration
      of the Program from CMSI's standard Program configuration options. CMSI
      will provide Licensee with a Configuration Specifications Document based
      on Licensee's selections. Both Parties will execute the Configuration
      Specifications Document. The signature of Licensee's Project Manager or of
      an Officer of Licensee (an "AUTHORIZED PERSON") on the Configuration
      Specifications Document confirms that the Configuration Specifications
      Document accurately states Licensee's requested configuration. CMSI will
      configure the Program in accordance with the Configuration Specifications
      Document. An Authorized Person for each Party must sign any change to the
      Configuration Specifications Document.

      3.3 Environment, Access and Migration to Licensee Based Operation. CMSI
      will host the Program at its Data Center in an ASP environment during the
      Term, and Licensee will access the Program on the CMSI System, in
      accordance with Exhibit B. At anytime during the Term, Licensee may
      exercise an option to migrate the Program from the CMSI System to a
      "Licensee Hosted" environment where the Program is operated on Licensee's
      System provided Licensee complies with the following prerequisite
      conditions:

            (a) Licensee provides CMSI with prior written notice of its intent
            to exercise the option to migrate the Program to Licensee's System;

            (b) Licensee and CMSI mutually agree upon a time table for
            implementing the migration; and

            (c) Licensee executes a license agreement in substantially the same
            form set out as Exhibit D to this ASP Agreement ("License
            Agreement").

      3.4 Interfaces. Any interface between the Program, and any External Site,
      or between the Program and Licensee's Equipment, must comply with the
      following:

            (a) evaluate and Non-evaluate Interfaces. Exhibit A, Section 1
            identifies the Program Components that CMSI is providing to Licensee
            under this ASP Agreement. Licensee must use the Program, as
            described in the Service Level Agreement, subject to the following:

                  (i) Interface Specifications. An interface must comply with
                  CMSI's interface specifications as provided to Licensee from
                  time to time, except as otherwise agreed to in writing by
                  CMSI. CMSI may require that any participating Affiliate or
                  Third Party execute an agreement satisfactory to CMSI
                  acknowledging and protecting CMSI's proprietary and
                  intellectual property rights. Licensee may not disclose CMSI's
                  interface specifications to any Affiliate or Third Party
                  absent CMSI's prior written consent. Licensee will cooperate,
                  and will do all things necessary to procure the cooperation of
                  any Affiliate or Third Party in the implementation of the
                  interface by CMSI. However, nothing contained herein prohibits
                  Licensee from disclosing to any Third Party

                                       5
<PAGE>
                  Licensee's interface specifications used in operating the
                  Program. If Licensee requires additional interfaces not
                  contemplated or licensed by this Agreement, Licensee will
                  obtain an additional license for such interfaces and CMSI will
                  make such license available to Licensee on commercially
                  reasonable terms.

                  (ii) Additional Equipment. CMSI is not required to provide
                  Licensee with an interface that requires Equipment or a
                  telecommunication line not then used in connection with CMSI's
                  standard interface. If CMSI agrees in writing to additional
                  Equipment, then CMSI, in its reasonable discretion, will
                  determine whether CMSI or Licensee is responsible for
                  providing the Equipment. If Licensee provides the Equipment:

                     (a) CMSI assumes no responsibility or liability for the
                     Equipment;

                     (b) Licensee is responsible for maintaining any warranty or
                     maintenance contract with the Equipment vendor;

                     (c) CMSI and Licensee must establish with the Equipment
                     vendor that CMSI has the authority to contact the vendor
                     and to requisition repairs and maintenance of the Equipment
                     at Licensee's expense if CMSI in its sole discretion deems
                     it necessary, and

                     (d) Licensee will pay the Equipment vendor's fees and
                     expenses.

                  (iii) Interface Fees. If a requested interface deviates
                  materially from an interface already configured or supported
                  functionally by CMSI for Licensee and requires more than eight
                  (8) hours of Professional Service time for implementation,
                  configuration, or testing of such interface, CMSI will require
                  the payment of additional fees as set forth in Exhibit C. In
                  addition, CMSI may require the payment of fees for the
                  operation and/or maintenance of any interface that deviates
                  materially from an interface already configured or supported
                  functionally by CMSI and requires more than eight (8) hours of
                  Professional Service time. For any interface that requires any
                  additional Equipment or telecommunications line, licensee is
                  responsible for the cost of acquiring such equipment or
                  services. CMSI may require an Authorized Person to provide a
                  written Task Order before implementing such an interface.
                  Licensee will pay CMSI for its professional services expenses
                  and will either reimburse CMSI for, or, as determined by CMSI,
                  pay directly to the vendor, any actual out-of-pocket costs
                  associated with any Equipment or telecommunications line
                  ordered by Licensee or at Licensee's request that CMSI is
                  required to use to connect to the interface.

      3.5 Project Plan. The Parties will work together in good faith to agree on
      a written plan ("PROJECT PLAN") identifying the steps necessary for the
      configuration, delivery, installation, and testing of the Program. An
      Authorized Person for each party will provide written approval of the
      Project Plan confirming that Party's acceptance and agreement to the
      Project Plan. Each Party will make reasonable efforts to satisfy its
      responsibilities within the time frames set forth in the Project Plan. An
      Authorized Person for each Party must provide written approval for any
      change to the Project Plan. CMSI may suspend the Program's implementation
      in the event Licensee unreasonably delays the implementation process.

      3.6 User Acceptance Testing. CMSI will notify Licensee in writing when the
      Program is available for User Acceptance Testing ("UAT"). CMSI and
      Licensee will work together to complete the UAT processes in a timely
      manner. Licensee may conduct UAT for up to thirty (30) calendar days
      beginning on the day the UAT notice is delivered. The Program is deemed
      accepted by Licensee upon the termination of the UAT, unless Licensee
      provides CMSI prior written notice, together with sufficient supporting
      data, identifying a Program Error. Upon receiving proper notice, CMSI will
      correct the Program Error. If necessary, the UAT may be extended for a
      period of ten (10) calendar days beginning on the first business day after
      CMSI corrects the Program Error and notifies Licensee

                                       6
<PAGE>
      in writing or by e-mail that the correction has been made. After the ten
      (10) days, provided Licensee has not identified and communicated to CMSI
      notice of additional or continuing Program Error, the UAT is terminated
      and the Program is deemed accepted by Licensee. If Licensee provides CMSI
      with additional written notice and appropriate supporting evidence of a
      Program Error that manifests after the conclusion of the above ten (10)
      day UAT extension, CMSI will grant additional ten (10) day extensions of
      the UAT period as necessary to resolve the Program.

      Notwithstanding the foregoing, even if a Party does not complete the UAT
      process, the Program is deemed accepted by Licensee, and UAT is
      terminated, the first day Licensee submits data for Verification to the
      Program for production purposes. The date upon which UAT is terminated and
      the Program is deemed accepted by Licensee is the "Acceptance Date."

      3.7 Licensee Responsibility. Notwithstanding anything to the contrary in
      this ASP Agreement, Licensee remains solely responsible for selection of
      the Program's configuration, selection of any interfaces with External
      Sites, and conduct of UAT. Licensee will fulfill its responsibilities
      under the Service Level Agreement for access to and use of the Program.

4. Payments and Payment Terms. CMSI's obligations and Licensee's rights under
this ASP Agreement are conditioned upon Licensee's compliance with all payment
obligations in this ASP Agreement and in particular those set out in this
Section 4 and in Exhibit C.

      4.1 Due Date; Late Fees. Unless disputed under Section 4.3 below, amounts
      owed and payable by Licensee to CMSI under this ASP Agreement are due and
      payable on the date specified in Exhibit C, or, if not so specified, sixty
      (60) calendar days after the invoice date. Payments more than sixty (60)
      calendar days late bear interest at the lesser rate of (a) 1 1/2% per
      month on the unpaid amount for each month (or fraction thereof) that the
      amount remains unpaid, or (b) the maximum rate permitted by law.

      4.2 Taxes. Licensee is responsible for all taxes or duties based upon
      amounts payable under this ASP Agreement or upon Licensee's license, use
      or possession of the Licensed Products (exclusive of taxes based upon the
      net income of CMSI). CMSI will report and remit any taxes due under this
      ASP Agreement.

      4.3 Disputed Amounts. In the event of a good faith dispute over fees,
      charges, or taxes set forth in this Section 4, Licensee may withhold
      payment of the disputed amount provided that Licensee presents CMSI
      written notice of the dispute ten (10) business days prior to the date
      such disputed amounts are due. The Parties shall use good faith efforts to
      resolve informally any disputes that may arise regarding fees, charges, or
      taxes prior to bringing an action pursuant to this ASP Agreement.

      4.4 Most Favored Nation. The Parties agree that during the Term,

           (a) For the Licensed Products, CMSI agrees to provide Licensee with
           the most favorable Program License Fee for substantially similar
           terms, conditions and Program functionality as that used by Licensee
           in automobile, motorcycles and RV financing;

           (b) For professional services, CMSI agrees to provide Licensee with
           the most favorable rates based on substantially similar terms,
           conditions, type of professional service and level of experience.

5. CMSI Representations, Warranties and Covenants: Indemnification.

      5.1 Representations and Warranties. CMSI represents, warrants and
      covenants as follows:

            (a) CMSI will perform all services for which it is responsible under
            this ASP Agreement in a professional, competent and timely manner.
            The Program will substantially perform in accordance with the
            Configuration Specifications Document.

                                       7
<PAGE>
            (b) None of the Licensed Products infringe any Third Party
            intellectual property or proprietary right, including but not
            limited to any patent, copyright or trade secret right. This
            warranty does not apply to infringement based on use of any of the
            Licensed Products in combination with any Equipment, process,
            method, work of authorship, invention, idea, discovery or
            information not provided or approved by CMSI under this ASP
            Agreement, including without limitation Licensee's Equipment or any
            External Site.

            (c) CMSI will not violate any applicable state or federal laws or
            regulations related to providing the services and products required
            by this ASP Agreement, including any privacy, consumer credit or
            fair trade practices law or regulation.

            (d) CMSI (and its signatory below) is authorized to, and has
            obtained all necessary approvals, resolutions and authorizations to,
            enter into this ASP Agreement. CMSI has obtained the advice of legal
            counsel and warrants that there are no legal prohibitions regarding
            Licensee's execution and performance under this License Agreement.

      5.2 Exclusions; Limitations on Liability. No representation or warranty
      under Section 5.1 or obligation of CMSI under Section 5.3 covers the
      result of any of the following conditions:

            (a) Third Party Equipment. Equipment that is not part of the System,
            including without limitation any External Site or Licensee's
            Equipment used to access the Program;

            (b) Licensee-Supplied Equipment. Equipment provided by or on behalf
            of Licensee to be used as part of or in connection with the Program;

            (c) Telecommunications. Telecommunications outside the System;
            notwithstanding the foregoing, CMSI will however, use best efforts
            to work with Licensee's and CMSI's Internet service or
            telecommunications provider when such provider is correcting any
            interruption of Licensee's access to the Program due to
            telecommunication connectivity problems within the provider's
            control. The cost of such telecommunications is Licensee's
            responsibility.

            (d) Licensee Failure. Failure by Licensee to: (1) comply with the
            ASP Agreement, (2) comply with the Service Level Policies or (3) use
            a correction or solution supplied by CMSI to Licensee; or

            (e) Unauthorized Use. The unauthorized use by Licensee of the
            Program, Licensed Products or System under this ASP Agreement.

      5.3 LIMITATION. THE WARRANTIES SET FORTH IN SECTION 5.1 ARE IN LIEU OF,
      AND CMSI EXPRESSLY DISCLAIMS, ANY AND ALL OTHER WARRANTIES, EXPRESS,
      IMPLIED, OR ARISING FROM ANY COURSE OF DEALING OR USAGE OF TRADE, RELATING
      TO THE SUBJECT MATTER OF THIS ASP AGREEMENT, INCLUDING WITHOUT LIMITATION
      ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR
      PURPOSE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, CMSI
      SPECIFICALLY DISCLAIMS ANY REPRESENTATION OR WARRANTY: (i) THAT THE
      PROGRAM WILL PERFORM WITHOUT INTERRUPTION OR BE ERROR-FREE, (ii) THAT
      ANY OR ALL OF THE DATA PROVIDED THROUGH THE PROGRAM IS ACCURATE,
      UP-TO-DATE OR COMPLETE. ALL DATA AND INFORMATION PROVIDED THROUGH THE
      PROGRAM IS PROVIDED ON AN "AS IS," "AS AVAILABLE" BASIS, WITHOUT
      EXPRESS OR IMPLIED WARRANTIES OF ANY KIND.

      5.4 Indemnification.

                                       8
<PAGE>
            (a) CMSI will defend, indemnify and hold harmless Licensee its
            corporate parent, subsidiaries, Affiliates, partners, successors,
            assigns, shareholders, directors, officers, employees, agents and
            customers (each a "LICENSEE INDEMNIFIED PARTY"), from any demand,
            claim, liability or loss, including without limitation attorneys
            fees and expenses, claimed by a Third Party arising out of any
            breach by CMSI of any this Agreement, including, without limitation,
            any representation, warranty or covenant, set forth in Section 5 of
            this ASP Agreement ("CLAIM"). This indemnity is conditioned upon the
            Licensee Indemnified Party's prompt notification to CMSI of the
            Claim the Licensee Indemnified Party seeks to be defended,
            indemnified or held harmless by CMSI. In addition, the Licensee and
            the Licensee Indemnified Party must cooperate in, and agree to
            CMSI's sole control of, the defense of the Claim, If in CMSI's
            opinion any of the Licensed Products is, or is likely to become,
            subject to a Claim based on an allegation of infringement of a Third
            Party's rights, then CMSI, at its option and expense, may either:

                  (i) Procure for Licensee the right to continue using the
                  Licensed Products;

                  (ii) Replace or modify the Licensed Products to eliminate the
                  Claim in a manner that does not materially impair the
                  Program's functionality; or

                  (iii) If none of the foregoing alternatives are available to
                  CMSI, terminate this ASP Agreement upon thirty (30) calendar
                  days prior written notice and refund to Licensee the remaining
                  balance of any prepaid Configuration and Training Fees on a
                  pro rata basis.

            (b) Licensee may terminate this License Agreement upon ninety (90)
            days written notice to CMSI if CMSI's Program modifications under
            Section 5.4 (a) (ii) substantially and materially reduce the
            functionality and utility of the Program.

6. Licensee Program Responsibilities; Representations, Warranties and Covenants:
Indemnification.

      6.1 Responsibilities. Licensee is solely responsible for:

            (a) Using, operating and maintaining the Program as required by this
            Agreement, except for the responsibilities of CMSI in Exhibit B;

            (b) The content and form of any information entered into the Program
            except that CMSI is responsible for configuring the parameters of
            the Program for the initial two (2) DealerTrack Lenders;

            (c) Procuring for CMSI the right to use, in accordance with this ASP
            Agreement, any Third Party Equipment, process, method, work of
            authorship, invention, discovery, idea, information or data provided
            to CMSI by or on behalf of Licensee, but CMSI will not make any use
            of any of the foregoing except as necessary to perform its
            obligations hereunder and CMSI will obtain no right, title, or
            interest in any of the foregoing except the right of use during the
            Term of this Agreement and only for performing the obligation to
            which such relates; and

            (d) Licensee will procure and maintain any hardware, software,
            telecommunications lines or devices, networks or other equipment or
            systems necessary for the DealerTrack System to connect to the
            Program on CMSI's System.

      6.2 Representations, Warranties and Covenants. Licensee represents,
      warrants and covenants as follows:

            (a) No use that Licensee makes of the Program violates or will
            violate, any applicable law or regulation;

                                       9
<PAGE>
            (b) No use that Licensee makes of Third Party Equipment, process,
            method, work of authorship, invention, discovery, idea, information
            or data provided to CMSI by or on behalf of Licensee infringes any
            U.S. or Canadian Third Party intellectual property or proprietary
            right, including but not limited to any U.S. or Canadian patent,
            copyright or trade secret right; and

            (c) No use that Licensee makes of Data or other information entered
            into the Program by or on behalf of Licensee violates any: (1) right
            of any Third Party, including without limitation any privacy or
            confidentiality right, or (2) applicable law or regulation,
            including without limitation any privacy, consumer credit or fair
            trade practices law or regulation.

            (d) Licensee (and its signatory below) is authorized to, and has
            obtained all necessary approvals, resolutions and authorizations to,
            enter into this License Agreement.

      6.3 Indemnification.

            (a) Licensee will defend, indemnify and hold harmless CMSI, its
            corporate parent, subsidiaries, affiliates, partners, successors,
            assigns, shareholders, directors, officers, employees, agents and
            customers (each a "CMSI INDEMNIFIED PARTY"), from any demand, claim,
            liability or loss, including without limitation attorneys fees and
            expenses, claimed by a Third Party arising out of any breach by
            Licensee of this Agreement, including, without limitation, any
            representation, warranty or covenant set forth in Section 6.2
            ("CLAIM"). As a condition of Licensee's obligations under this
            Section 6.3, the CMSI Indemnified Party must promptly notify
            Licensee of any Claim the CMSI Indemnified Party seeks to be
            defended, indemnified or held harmless by Licensee. CMSI will
            cooperate in the defense of the Claim, and, except if the Claim
            involves or may materially and adversely impact the Licensed
            Products or related services, allow Licensee sole control of the
            defense.

      6.4 LIMITATION. THE WARRANTIES SET FORTH IN SECTION 6.2 ARE IN LIEU OF,
      AND LICENSEE EXPRESSLY DISCLAIMS, ANY AND ALL OTHER WARRANTIES, EXPRESS,
      IMPLIED, OR ARISING FROM ANY COURSE OF DEALING OR USAGE OF TRADE, RELATING
      TO THE SUBJECT MATTER OF THIS ASP AGREEMENT, INCLUDING WITHOUT LIMITATION
      ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR
      PURPOSE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, LICENSEE
      SPECIFICALLY DISCLAIMS ANY REPRESENTATION OR WARRANTY: (I) THAT ITS
      OPERATION OF THE PROGRAM OR ITS SYSTEM WILL PERFORM WITHOUT INTERRUPTION
      OR BE ERROR-FREE, (II) THAT ANY OR ALL OF THE DATA PROVIDED THROUGH THE
      PROGRAM OR ITS SYSTEM IS ACCURATE, UP-TO-DATE OR COMPLETE. ALL DATA AND
      INFORMATION PROVIDED THROUGH THE PROGRAM OR THE SYSTEM IS PROVIDED ON AN
      "AS IS," "AS AVAILABLE" BASIS, WITHOUT EXPRESS OR IMPLIED WARRANTIES OF
      ANY KIND.

7. Confidentiality.

      7.1 Confidential Information Defined.

            (a) "CONFIDENTIAL INFORMATION" "Confidential Information" shall mean
            nonpublic information revealed by either Party to the other Party
            (whether in writing, orally or by another means) including (a)
            DealerTrack Lender Criterion, Credit Application, Credit Decision,
            Loan or other Data entered into the Program's database by or on
            behalf of Licensee, any DealerTrack Dealer or any DealerTrack
            Lender; (b) information expressly or implicitly marked or disclosed
            as confidential, (c) information traditionally recognized as
            proprietary trade secrets and, the Discloser is CMSI, all or part of
            the database schema, technical specifications, Source Code,

                                       10
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            operation or performance of the Program, (d) all forms and types of
            financial, business, scientific, technical, economic, or engineering
            information including, but not limited to, patterns, plans,
            compilations, program devices, formulas, designs, prototypes,
            methods, techniques, processes, procedures, programs, or codes,
            whether tangible or intangible, and whether or how stored, compiled,
            or memorialized physically, electronically, graphically,
            photographically, or in writing, which may be identified with the
            legend "CONFIDENTIAL" (e) nonpublic personal information of a
            consumer as such terms are defined in 15 U.S.C, Sections
            6809(4), (9); and (f) all copies and materials incorporating any of
            the foregoing. As used herein, a "Recipient" of Confidential
            Information means a person or entity, other than an agent or
            employee of the Disclosing Party, who obtains or uses Confidential
            Information of the Disclosing Party.

            (b) Confidential Information does not include information that:

                  (i) Was known by the Recipient prior to receipt from the
                  Discloser;

                  (ii) Is publicly available through no fault of the Recipient;

                  (iii) Was or is developed by the Recipient without use of the
                  Discloser's Confidential Information; or

                  (iv) Was or is disclosed to the Recipient by a Third Party
                  free of any confidentiality obligation to the Discloser.

      7.2 Duties.

            (a) A Recipient of Confidential Information will use Confidential
            Information exclusively to perform the Recipient's duties,
            obligations or exercise its rights set forth in this ASP Agreement.
            The Recipient will not disclose Confidential Information to any
            Third Party. Notwithstanding the foregoing, CMSI may disclose
            Licensee's Confidential Information to an External Site or other
            Third Party only as directed by Licensee, and either Party may
            disclose Confidential Information to:

                  (i) A government agency as required by law, or in compliance
                  with a subpoena or court order, but only if, to the extent
                  possible, the Recipient provides the Discloser written notice
                  in advance of the disclosure; or

                  (ii) The Recipient's attorney, accountant, investment banker
                  or financial adviser in connection with a proposed offering of
                  an equity interest in the Recipient, or its auditor, but only
                  on condition that the attorney, accountant, investment banker,
                  financial advisor, or auditor is under a duty to comply with
                  the Recipient's confidentiality obligations under this Section
                  7.

                  (iii) In any prospectus, offering statement, or regulatory
                  filings relating to any offering or potential offering of the
                  Recipient's equity or capital stock or any due diligence
                  conducted by any Third Party in anticipation thereof.

            (b) Each Recipient will use best efforts to prevent any Third Party
            from obtaining the Discloser's Confidential Information.

      7.3 Affiliates.

            (a) Licensee:

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<PAGE>
                  (i) Will, and will use commercially reasonable efforts to
                  require all Affiliates, DealerTrack Dealers and DealerTrack
                  Lenders to: (1) comply fully with the obligations of a
                  Recipient under this License Agreement; and (2) if the entity
                  ceases to:

                        (A) Be an Affiliate, DealerTrack Dealer, or DealerTrack
                        Lender, respectively;

                        (B) Use the Program; or

                        (C) Participate with Licensee under the terms of this
                        License Agreement;

                  Licensee will use commercially reasonable efforts to require
                  the Affiliate, DealerTrack Dealer or DealerTrack Lender to
                  cease all use of CMSI's Confidential Information, destroy the
                  information or return the information to CMSI immediately, and
                  require each to execute a letter, in a form acceptable to
                  CMSI, certifying that this Section 7.3 (a) of this License
                  Agreement has been complied with; and

                  (ii) Is liable for breach by its Affiliate, DealerTrack
                  Dealers and the DealerTrack Lenders of any of the obligations
                  under Section 7.3 of this License Agreement

            (b) CMSI:

                  (i) Will, and will use commercially reasonable efforts to
                  require all Affiliates and any Third Party to which it
                  discloses Confidential Information under this Agreement to:
                  (1) comply fully with the obligations of a Recipient under
                  this License Agreement, and (2) if the Affiliate ceases to be
                  an Affiliate, CMSI will use commercially reasonable efforts to
                  require the Affiliate or any Third Party to which it provides
                  access to Confidential Information under this Agreement to
                  cease all use of Confidential Information, destroy the
                  information or return the information to Licensee immediately,
                  and require each to execute a letter, in a form acceptable to
                  Licensee, certifying that this Section 7.3 (b) of this License
                  Agreement has been complied with; and

                  (ii) Is liable for breach of any of the obligations under this
                  License Agreement by its Affiliate or any Third Party to which
                  it has provided Confidential Information.

            (c) If Confidential Information of an Affiliate is disclosed, that
            Affiliate is a third-party beneficiary with respect to the
            Recipient's obligations under this Section 7.

      7.4 Use in Program Enhancements. Nothing in this Section 7 restricts
      CMSI's or its Affiliate's right to improve, develop or provide any product
      or service, including without limitation the Program, so long as CMSI or
      that Affiliate does not disclose to any Third Party, any Confidential
      Information. CMSI and its Affiliate will only disclose information between
      themselves, and to their employees agents, subcontractors or vendors who
      have a "need to know" such information for the purposes of implementing
      this ASP Agreement and only on condition that such entities agree to
      comply with the confidentiality obligations stated herein.

      7.5 Security of Consumer Information. In the course of performing its
      obligations under this ASP Agreement, CMSI may, from time to time, have
      access to "nonpublic personal information," as that term is defined for
      purposes of the Gramm Leach Bliley Act, 15 U.S.C. Section 6809(4) and
      Federal Reserve Board Regulation P, 12 C.F.R. Part 216, as these are
      amended from time to time, about consumers who request credit and those
      that enter into customer relationships with Licensee, DealerTrack Dealers,
      and/or DealerTrack Lenders. CMSI has an obligation to protect the
      confidentiality of all such information by, among other things,
      establishing and implementing a comprehensive written information security
      program. Accordingly, by entering into this ASP Agreement, CMSI agrees to
      implement appropriate measures to protect the security of all nonpublic
      personal information received from Licensee as required by the Interagency
      Guidelines Establishing Standards for Safekeeping of Customer
      Information, 12 C.F.R. Part 30, Appendix B, and The Federal Trade
      Commission's Standards for Safeguarding Customer Information, 16 C.F.R.
      Parts 313 and 314, as amended from time

                                       12
<PAGE>
      to time, and to cooperate with all reasonable auditing and monitoring
      activities of Licensee or any DealerTrack Lender to confirm compliance
      with this Section 7.5. Licensee will use commercially reasonable efforts
      to attempt to coordinate DealerTrack Lender audits and monitoring in a
      manner so as not to unreasonably interfere with CMSI's operations. All
      audits will be conducted at the auditing party's expense.

      7.6 Limitation on Liability. IN NO EVENT WILL CMSI OR ITS AFFILIATES, OR
      LICENSEE OR ITS AFFILIATES, BE LIABLE FOR CONSEQUENTIAL DAMAGES
      (INCLUDING, WITHOUT LIMITATION, LOST PROFITS), INCIDENTAL DAMAGES OR
      PUNITIVE DAMAGES, EVEN IF SUCH PARTY IS INFORMED OF THEIR POSSIBILITY.
      NOTWITHSTANDING ANYTHING IN THIS LICENSE AGREEMENT TO THE CONTRARY, EXCEPT
      FOR ANY LIABILITY UNDER SECTION 5.4,6.3 and 7, EITHER PARTY'S ENTIRE
      LIABILITY TO THE OTHER PARTY CONCERNING PERFORMANCE OR NONPERFORMANCE BY
      EITHER PARTY OR IN ANY WAY RELATED TO THE SUBJECT MATTER OF THIS LICENSE
      AGREEMENT, AND REGARDLESS OF WHETHER A CLAIM IS BASED IN CONTRACT,
      NEGLIGENCE OR IN TORT, SHALL NOT EXCEED THE CHARGES ACTUALLY PAID BY
      LICENSEE UNDER THIS LICENSE AGREEMENT OVER THE SIX (6) MONTHS IMMEDIATELY
      PRECEEDING THE ACTION GIVING RISE TO A CLAIM.

      7.7 Time Limitation. NO ACTION, REGARDLESS OF FORM, ARISING UNDER THIS
      LICENSE AGREEMENT OR RELATED TO ITS SUBJECT MATTER, MAY BE BROUGHT BY A
      PARTY MORE THAN TWO (2) YEARS AFTER THE PARTY KNEW, OR SHOULD HAVE KNOWN
      OF THE TRANSACTIONS OR CIRCUMSTANCES GIVING RISE TO THE CLAIM OR ACTION.

8. Term; Termination.

      8.1 Term. The initial three (3) year term of this ASP Agreement ("INITIAL
      TERM") commences on the Execution Date and terminates on the three (3)
      year anniversary of the Acceptance Date. Following the Initial Term, this
      ASP Agreement may be renewed for successive 12-month extensions without
      further action of the Parties. The Initial Term, together with any
      subsequent renewals constitutes the "TERM" of this ASP Agreement. From
      ninety (90) days after the acceptance date of this ASP Agreement through
      the term of the ASP Agreement, Licensee may exercise the option to migrate
      the Program to a Licensee Hosted environment as set forth in Section 3.3.
      Either Party may terminate subsequent renewals of this ASP Agreement, but
      not the Initial Term (except as set forth herein), upon written notice to
      the other Party given no later than ninety (90) calendar days before each
      subsequent anniversary of the Acceptance Date. This ASP Agreement may also
      be terminated earlier under Sections 5.4 and 8.1(a), or (b) below.

            (a) Material Breach. A Party may terminate this ASP Agreement based
            on a material breach upon prior written notice to the other Party
            reasonably describing the breach, and the breach remains uncured for
            sixty (60) calendar days after such notice. This Section 8.1(a) does
            not limit any Party's right to pursue legal remedies, including but
            not limited to, filing a lawsuit seeking preliminary or permanent
            injunctive relief against unauthorized use or disclosure of a
            Licensed Product or Confidential Information.

            (b) Automatic Termination. At its option, either Party may terminate
            this ASP Agreement immediately, without need for further action, if
            the other Party: (i) dissolves, (ii) becomes a debtor in a
            proceeding under the U.S. Bankruptcy Code, (iii) makes an assignment
            for the benefit of creditors, (iv) has a receiver appointed for it,
            or (v) is subject to a similar state law proceeding for the
            protection of its creditors.

            (c) Migration Termination. If Licensee exercises its options to
            migrate the Program to a Licensee Hosted environment as set forth in
            Section 3.3, this ASP Agreement will terminate on

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<PAGE>
            the date upon which all Verification transactions have been migrated
            from the ASP environment to the Licensee Hosted environment.

      8.2 Certain Effects of Termination.

            (a) Upon termination of this ASP Agreement:

                  (i) Any and all licenses granted under this ASP Agreement
                  immediately terminate;

                  (ii) If the option for Licensee to migrate to a Licensee
                  Hosted environment from an ASP environment as set out in
                  Section 3.3 has not been exercised prior to the termination of
                  this ASP Agreement, such option will immediately terminate;

                  (iii) Unless the termination was based on Licensee's exercise
                  of the option under Section 8.2(a)(ii) above, or on CMSI's
                  material breach, the unpaid minimum monthly fees under Exhibit
                  C, Section 4, for the full Term are accelerated and
                  immediately due and owing; and

                  (iv) Each Party will immediately cease use of, and promptly
                  destroy or return to the other Party all copies of any
                  Confidential Information of the other Party.

            (b) The following provisions or obligations survive termination of
            this ASP Agreement: Sections 2.3 through 2.5, 5.l(b), 5.2 through
            5.4, 6.3 through 7, and 9, and any payment obligation incurred as of
            the termination date.

9. Miscellaneous.

      9.1 Independent Contractors. Each Party is an independent contractor of
      the other with respect to the subject matter of this ASP Agreement. The
      Parties do not intend this ASP Agreement to establish any agency,
      employment, partnership, joint venture, fiduciary or similar relationship.

      9.2 Assignment; Successors. Neither Party may assign this ASP Agreement to
      any Third Party without the prior written consent of the other Party,
      provided however that a Party may assign this ASP agreement to its
      Affiliate who is a successor-in-interest to substantially all the assets
      or a majority of voting capital stock without prior written consent of the
      other Party. Any attempted assignment of this ASP Agreement in violation
      of this Section 9.2 is null and void. Subject to the foregoing, this ASP
      Agreement is binding on any and all successors and assigns.

      9.3 Transaction Billing Data; Audits. CMSI may access the Program and the
      relevant portion of its databases in order to extract data relating to
      Verification volume only. The volume data is Confidential Information of
      Licensee and may be used only in determining Licensee's financial
      obligations under this ASP Agreement. In addition, Licensee may be
      required to supply certain reports to CMSI regarding Program volume.
      Payments, invoicing and charges are detailed in Exhibit C to this ASP
      Agreement. Licensee will have the right to audit CMSI's operations, books,
      and records relating to the services and billings upon reasonable prior
      notice to CMSI. Each such review shall be at the auditing Party's own
      expense. Each Party agrees to cooperate with the other Party in all
      reasonable respects regarding such review(s).

      9.4 Force Majeure. Each Party shall be released from liability under this
      ASP Agreement for failure to perform its obligations under this ASP
      Agreement if such failure is caused by factors beyond the reasonable
      control of that Party by reason of any act of God, war, or national
      emergency. Delays or failures that are excused under this Section 9.4
      shall result in automatic extensions of dates for performance for a period
      of time equal to the duration of the events excusing such delay or
      failure. However, neither Party's financial conditions nor inability to
      pay the other Party shall be a basis for

                                       14
<PAGE>
      excusing performance of any of that Party's obligations pursuant to this
      ASP Agreement.

      9.5 Section Headings and Subheadings. The section headings and subheadings
      in this ASP Agreement are stated for convenience only, and do not in any
      way state or affect the meaning of any provision of the ASP Agreement.

      9.6 Severability. If any provision of this ASP Agreement is held by a
      court of competent jurisdiction to be invalid or unenforceable, that
      provision is to be enforced only to the extent it is not in violation of
      such law or is not otherwise unenforceable, and all other provisions of
      this ASP Agreement remain in full force and effect.

      9.7 Implied Waiver. The failure of a Party in any one or more instances to
      insist upon strict performance of any provision of this ASP Agreement is
      not a waiver or relinquishment of the right to assert or rely upon any
      provision on any future occasion.

      9.8 Notices. Except in Sections 3.1 and 3.7 where the required written
      notice may be given by way of an e-mail message, whenever a Party gives
      written notice to the other, the notice is deemed given upon receipt or
      other certification of delivery is obtained, or the notice is sent by
      overnight delivery by a nationally known courier service with package
      tracing capabilities verifying that delivery has occurred. Notice must be
      addressed to "President CEO" of the Party at the address set forth in the
      preamble of this ASP Agreement. Either Party to this ASP Agreement may
      from time to time change its address for notification purposes by giving
      the other prior written notice of the new address.

      9.9 Enforcement. Any Party that institutes a lawsuit to enforce this ASP
      Agreement, and prevails in the action, is entitled to recovery of its
      reasonable costs and reasonable attorneys' fees for the action, in
      addition to any and all other remedies permitted at law or equity.

      9.10 Governing Law; Forum. This ASP Agreement is governed by the laws of
      the State of New York.

      9.11 Publicity. Subject to Licensee approval, Licensee agrees to permit
      CMSI to include Licensee's name in reference lists, and lists of CMSI
      Licensees and customers. Licensee hereby consents to CMSI naming Licensee
      as one of its customers when naming a group of its customers generally to
      prospective clients.

      9.12 Exhibits and Addenda; Task Orders. Each exhibit, attachment or
      addendum to this ASP Agreement, if so identified and signed or initialed
      by each Party, is incorporated into this ASP Agreement by reference.

      9.13 Interpretation of Documents. In the event of a conflict between this
      ASP Agreement and the terms of any exhibit, the terms of this ASP
      Agreement will prevail. In the event of a conflict between this ASP
      Agreement and an addendum or Task Order, the terms of the addendum or Task
      Order will control.

      9.14 Entire Agreement; Waiver, Modifications and Amendments. This ASP
      Agreement (along with applicable amendments, addendums and Task Orders) is
      the entire agreement between the Parties with respect to its subject
      matter, and there are no other terms or conditions, expressed or implied,
      written or oral, WITH respect to that subject matter. This ASP Agreement
      supersedes all prior oral or written representations, agreements,
      promises, or other communications, concerning or relating to the subject
      matter of this ASP Agreement. This ASP Agreement may not be amended or
      modified except by a written agreement signed by an Officer of each Party.
      No term, condition or provision of any Licensee purchase order or other
      form is effective as a modification of this ASP Agreement.

      9.15 Consents and Approvals. Consents and approvals, when required by this
      Agreement, will be in writing and will not be unreasonably withheld,
      delayed or conditioned, except as otherwise expressly provided herein.

                                       15
<PAGE>
ACCEPTED AND AGREED:

FIRST AMERICAN CREDIT MANAGEMENT       DEALERTRACK, INC. ("LICENSEE")
SOLUTIONS, INC. ("CMSI")

/s/ Dennis Warnke                      /s/ Charles Giglia
-------------------------------------  -----------------------------------------
Signature

Dennis Warnke, COO                     Charles Giglia, SVP
-------------------------------------  -----------------------------------------
Print Name/Title                       Print Name/Title

                                       16

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