Document:

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                                                                   EXHIBIT 10.15

                           SOFTWARE LICENSE AGREEMENT

         This SOFTWARE LICENSE AGREEMENT (this "Agreement"), made and entered
into this 1st day of April, 1999 (the "Effective Date"), by and between Digital
Matrix Systems, Inc., a Texas corporation (hereinafter "DMS"), and Intersections
Inc., a Delaware corporation (hereinafter "Intersections").

                                  WITNESSETH:

         WHEREAS, DMS and Intersections have previously entered into certain
agreements relating to DMS' proprietary consumer credit reporting software,
namely, a Software Development Agreement, a Software License and Services
Agreement and a Support and Maintenance Agreement, each dated as of March 27,
1997 (the "1997 Agreements"), whereby DMS agreed to develop and design to the
specifications and requirements of Intersections certain application software
known as the Membership Management System ("MMS"), to license MMS to
Intersections, and to license DMS' Credit Toolkit(TM) software to allow
Intersections to access DMS' systems and services, and to provide maintenance
and support services for the MMS software and the Credit Toolkit(TM) software in
exchange for per use license fees charged to Intersections by DMS and an annual
maintenance and support fee;

         WHEREAS, Intersections desires to purchase the MMS software and related
documentation; and

         WHEREAS, Intersections desires to perform, at its premises, the
functions of accessing data from the three principal credit bureaus (and others
if appropriate in the future), transferring such data to a common useable
format, converting such data into three bureau merged credit profiles for
consumer use, storing such reports and data for future use, receiving periodic
data reports from the bureaus and performing a monitoring function on such data,
all in a manner comparable to that currently performed by DMS as a service
provider to Intersections; and

         WHEREAS, Intersections desires to receive the advice and assistance
from DMS to transfer the necessary know-how to operate the Licensed Software (as
defined herein), perform the processes currently performed by DMS to effect the
services delivered by DMS for Intersections, and to develop changes in the
business functionality of the software pursuant to the terms and conditions of a
Support and Maintenance Agreement attached hereto as Exhibit A; and

         WHEREAS, Intersections desires to obtain a license from DMS to utilize
all DMS software necessary to effect the transfer of the operational procedures
described above, including the Credit Toolkit(TM) in Object Code (as defined
herein) form only, and the Merge and Monitoring System software in Object Code
form only to perform certain credit report monitoring and merging operations at
Intersections for so long as Intersections is in the Business (as defined); and
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         WHEREAS, DMS has agreed to sell the MMS Software and grant the licenses
to the Credit Toolkit(TM) and Merger and Monitoring System software and to
provide support and maintenance services with respect to the Credit Toolkit(TM)
and Merge and Monitoring System software in exchange for the consideration set
forth in this Agreement, provided that all of DMS' ownership rights in its
proprietary software are retained by DMS and that Intersections agrees not to
use the DMS software for any purpose not specifically contemplated in this
Agreement.

          NOW, THEREFORE, in consideration of the premises and mutual covenants
and agreements herein set forth, the parties, intending to be legally bound,
agree as follows:

         Section 1. DEFINITIONS. The following definitions shall apply to this
Agreement:

         (a) "Affiliate" when used with respect to Intersections, shall mean
Intersections' parent corporation or any of its majority owned subsidiaries.

         (b) "Business of Intersections" shall refer to (i) the business of,
directly or indirectly, providing to individuals information regarding such
individuals' credit reports and/or periodically monitoring on the individuals'
behalf such individuals' files at the credit reporting agencies, and/or (ii) any
business which involves the use of the Licensed Software in connection with
providing credit information to individuals regarding themselves.

         (c) "Business OF DMS" shall refer to the business of providing credit
report merging, risk analysis, credit score development and/or validation,
development and delivery of credit report summary attributes, software tools and
data analysis services, and monitoring services to persons or entities other
than individuals and services other than that which is the Business of
Intersections.

         (d) "Credit Toolkit(TM)" shall refer to DMS' proprietary Credit
Toolkit(TM) computer software, which is described on Schedule A attached hereto,
and, unless the context requires otherwise, shall include the Credit Toolkit(TM)
Documentation.

         (e) "Documentation" shall refer to any and all associated user manuals,
documentation and any other written supporting materials relating to Credit
Toolkit(TM), MMS and Merge and Monitoring System as are currently maintained by
DMS. The Documentation shall be divided into three parts, each of which relate
to the three individual programs licensed under this Agreement, namely, the
"Credit Toolkit(TM) Documentation," the "MMS Documentation" and the "Merge and
Monitoring System Documentation."

         (f) "Enhancement" shall refer to any modification or enhancement that,
when made or added to the Licensed Software, materially changes its utility,
efficiency, functional capability or application.

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         (g) "Internal Purposes" shall refer to the credit services related to
the Business of Intersections and other strictly internal purposes of (i)
Intersections, (ii) Intersections's Affiliates and (iii) a successor of
Intersections. The parties hereto expressly agree that "Internal Purposes" shall
not include providing credit report merging and monitoring services or services
other than that which is the Business of Intersections.

         (h) "Insolvency Event" shall mean: (1) a party's consent to the filing
of a petition of bankruptcy against it; (2) a general assignment for the benefit
of creditors by a party; (3) filing of a petition of bankruptcy against a party
which remains unstayed or is not dismissed within 60 days after such filing;
(4)adjudication of a party by a court of competent jurisdiction as being
bankrupt or insolvent; (5) a party's application for reorganization under any
bankruptcy act or law or a party's consent to the filing of a petition seeking
such reorganization; (6) the entry of a final decree against a party by a court
of competent jurisdiction appointing a receiver, liquidator, trustee, or
assignee in bankruptcy or insolvency covering all or substantially all of a
party's property or providing for liquidation of a party's property or business.

         (i) "Licensed Software" shall refer collectively to the Credit
Toolkit(TM) and the Merge and Monitoring System listed in Schedule A attached
hereto and made a part of this Agreement, and unless the content requires
otherwise, shall include the Documentation and any Enhancements thereto made or
provided by DMS or Intersections.

         (j) "MMS" shall refer to DMS' proprietary MMS computer software, which
currently in use as a Membership Management System at Intersections, and, unless
the context requires otherwise, shall include the MMS Documentation.

         (k) "Merge and Monitoring System" shall refer to DMS' proprietary Merge
and Monitoring System computer software, which is described on Schedule A
attached hereto, and, unless the context requires otherwise, shall include the
Merge and Monitoring System Documentation.

         (l) "Object Code" means the format of the Licensed Software that
results from the assembly, compilation, translation or processing of the Source
Code (as defined herein) into machine language or code executable by a computer
using an operating system and platform as specified in this Agreement. The
Object Code is machine readable and it would be very difficult for any person to
understand the Licensed Software's internal logic and structure from the Object
Code format of the Licensed Software.

         (m) "Source Code" means the format in which the Licensed Software was
developed and from which the internal logic and structure of the Licensed
Software may be directly deduced by a person skilled in computer programming.
The Source Code can be used by such a skilled person to generate the Licensed
Software's Object Code.

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         (n) "Specifications" shall refer to the functional performance
parameters of the Licensed Software on the Effective Date of this Agreement as
set forth on Schedule A.

         Section 2. TERMINATION OF THE 1997 AGREEMENTS. The parties hereby agree
that the 1997 Agreements shall be terminated by this Agreement, and that this
Agreement shall supersede the 1997 Agreements.

         Section 3. SALE OF MMS: LICENSE TO LICENSED SOFTWARE.

         (a) DMS hereby sells, assigns and transfers to Intersections all right,
title and interest in and to MMS, including all Source Code, operating
instructions, and compiling instructions.

         (b) DMS hereby grants Intersections a personal and nonexclusive license
(without the right to assign, transfer or sublicense except to Intersections'
Affiliates in accordance with Section 21(i) hereof) to use the Credit
Toolkit(TM) and the Merge and Monitoring System (each, in Object Code form
only), at Intersections's principal office location as indicated in Section
21(g) of this Agreement and facilities owned or leased by Intersections for
Internal Purposes only and in accordance with the terms and conditions set forth
herein.

         Section 4. ENHANCEMENTS: OWNERSHIP OF ENHANCEMENTS.

         (a) Any Enhancements to the Licensed Software whether made or provided
by DMS, Intersections or Intersections personnel shall become part of the
Licensed Software and subject to the terms and conditions hereof.

         (b) Unless otherwise agreed to in writing by the parties, any
Enhancements to the Credit Toolkit(TM) and/or the Merge and Monitoring System,
including all intellectual property rights associated therewith, made or
provided by DMS hereunder (whether alone or with any contribution from
Intersections or its personnel) shall be owned exclusively by DMS. To the extent
Intersections or its personnel may acquire any right or interest in the Licensed
Software and any Enhancements to the Credit Toolkit(TM) and/or the Merge and
Monitoring System by operation of law, Intersections irrevocably assigns all
such rights and interest exclusively to DMS. Intersections shall maintain and
enforce agreements and policies with its personnel sufficient to give effect to
the provisions of this Section 4. Intersections hereby covenants and agrees to
execute such further instruments and documents as in the reasonable judgment of
DMS are or may be necessary or convenient to carry out or effectuate the
assignment of any rights or interest in and to the Licensed Software and any
Enhancements thereto.

         (c) Unless otherwise agreed to in writing by the parties, any
enhancements or modifications to the MMS, including all intellectual property
rights associated therewith, made or provided exclusively by Intersections or
any Intersections personnel, or by DMS or any DMS

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personnel if DMS agrees in writing to make or add Enhancements to the MMS, shall
be owned exclusively by Intersections. To the extent DMS or its personnel may by
operation of law acquire any right or interest in the modifications and
enhancements to the MMS made or provided by Intersections or Intersections
personnel, DMS irrevocably assigns all such right and interest exclusively to
Intersections. DMS hereby covenants and agrees to execute such further
instruments and documents as in the reasonable judgment of Intersections are or
may be necessary or convenient to carry out our effectuate the assignment of any
rights or interest in and to the modifications and enhancements to the MMS made
or provided exclusively by Intersections or Intersections personnel.

         Section 5. TERM.

         (a) The term of the license to the Licensed Software commences upon the
date of this Agreement and, unless earlier terminated pursuant to the terms and
conditions hereof, will continue until the shorter of (i) 20 years from the date
of this Agreement or (ii) the date Intersections is no longer engaged in the
Business (the "Cessation Date") or the Final Adjudication Date (as defined
below), as applicable. Upon the expiration of the term of this Agreement, this
Agreement and the licenses granted hereunder shall automatically terminate and
Intersections shall immediately pay to DMS all license fees plus any other
charges due and owing to DMS hereunder.

         (b) In the event Intersections is no longer engaged in the Business,
Intersections will deliver to DMS a certificate signed by the President and
Chief Executive Officer of Intersections certifying to DMS that Intersections is
no longer engaged in the Business and the Cessation Date and the circumstances
surrounding the same. In the event the parties hereto dispute whether or not
Intersections has ceased the Business or the occurrence of the Cessation Date,
the parties shall submit such dispute to arbitration in accordance with Section
20 hereof and this Agreement and the rights and obligations of the parties
hereunder shall not terminate but shall continue until such date as is finally
adjudicated in the proceedings (the "Final Adjudication Date"). Intersections
shall have the burden to prove that it is no longer engaged in the Business in
any mediation, arbitration, judicial or other administrative proceeding in which
this is at issue.

         Section 6. DELIVERY AND INSTALLATION. DMS will deliver to Intersections
any portion of the MMS or the Licensed Software not already in Intersections's
possession and control, on or about January 31, 2000. Intersections, at its
expense, will install the MMS and the Licensed Software promptly upon receipt
thereof. Intersections is responsible for procuring, installing and maintaining
the MMS and the Licensed Software and any equipment, telephone lines,
communication interfaces and other hardware necessary to operate the MMS and the
Licensed Software.

         Section 7. SUPPORT AND MAINTENANCE. Intersections shall be responsible
for the support and maintenance of MMS. As of the Effective Date, any support
for the MMS Software provided

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by DMS shall be at Intersections's expense, and shall be invoiced at DMS' then
current hourly rate. DMS shall agree to provide support and maintenance services
to Intersections with respect to the Merge and Monitoring System and the Credit
Toolkit(TM) pursuant to the terms and conditions of a separate Support and
Maintenance Agreement substantially in the form attached hereto as Exhibit A.

         Section 8. CONDITIONS OF LICENSE.

         (a) Intersections shall not install the Licensed Software at any
location other than a facility owned or leased by Intersections without DMS'
prior express written authorization, which will not be unreasonably withheld.

         (b) Intersections acknowledges that DMS has and retains all right,
title and interest in and to the Licensed Software and that full title to and
ownership of the Licensed Software, including without limitation all
intellectual property rights, remains with DMS. Intersections has no rights in
or to the Licensed Software except as expressly granted under this Agreement.

         (c) In no event shall the Licensed Software or any portion thereof,
including without limitation the Credit Toolkit(TM) and/or the Merge and
Monitoring System, be disclosed, made available to or used for the benefit of
any third party, sold, assigned, leased, sublicensed or otherwise disposed of,
commercially exploited or marketed in any way, with or without change, by
Intersections or any of Intersections's subsidiaries, affiliates, employees or
agents, other than for the purpose of operating and servicing the Business of
Intersections. No service bureau work or time-sharing arrangement is permitted.
Intersections will treat and hold the Licensed Software in strict confidence,
will restrict access to the Licensed Software to Intersections's authorized
employees and will inform Intersections's employees of the provisions of this
Section 8(c). Intersections's obligations under this Section 8(c) will survive
any termination, rescission or expiration of this Agreement.

         (d) Intersections acknowledges the proprietary and confidential nature
of the Licensed Software, that DMS' copyright subsists in the Licensed Software,
and that the existence of a copyright notice will not cause or be construed as
causing the Licensed Software to be in the public domain. Intersections may not
copy the Licensed Software other than for archival or backup purposes unless
specifically authorized in writing by DMS in advance, or pursuant to the terms
of this Agreement. Intersections will retain in any such copy of the Licensed
Software or the Documentation, and will affix to the media upon which it is
copied, any proprietary markings or legends placed upon or contained within the
Licensed Software or Documentation.

         (e) DMS may, at any time during the term of this Agreement and with
five business days' prior notice, gain access to Intersections's premises, for
the limited purpose of conducting an inspection to determine and verify that
Intersections is in compliance with the terms and conditions hereof.
Intersections will promptly grant such access and cooperate with DMS in the

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inspection; provided, however, that the inspection will be conducted in a manner
that will not unreasonably disrupt Intersections's business and will be
restricted in scope, manner and duration to that reasonably necessary to achieve
its purpose.

         (f) Intersections agrees that the Licensed Software is and will remain
after termination of this Agreement the valuable, proprietary and confidential
property of DMS, that the violation of any of the foregoing paragraphs of this
Section 8 would cause DMS irreparable injury for which it would have no adequate
remedy at law, and that DMS will be entitled to preliminary and other injunctive
relief against any such violation. Such injunctive relief will be in addition
to, and in no way in limitation of, any other remedies or rights that DMS may
have at law or in equity.

         Section 9. CONSIDERATION. In consideration for the license granted and
the Services performed hereunder, Intersections shall pay to DMS beginning April
1, 1999 and ending on March 31, 2019 of each year, monthly installments of
$125,000 each within ten days following the end of each month, the first payment
of which shall be due within ten days following April 30, 1999. In the event a
Cessation Date occurs prior to March 31, 2009, Intersections will pay DMS a
cancellation fee in the amount of $3,500,000 within 90 days of such Cessation
Date. The requirement to pay within ten days is waived for payments due prior to
January 31, 2000 as long as Intersections has paid all prior due payments by
January 31, 2000.

         Section 10. LIMITED WARRANTY OF LICENSED SOFTWARE. DMS warrants that
until April 30, 2000, the Licensed Software shall conform in all material
respects to the Specifications. DMS does not warrant that the Licensed Software
will meet Intersections's requirements or that its operation will be
uninterrupted or error free. This warranty does not cover any product or
component that has been altered or changed in any way by anyone other than DMS,
and DMS is not responsible for problems caused by hardware, components or
software not provided by DMS. In the event of a breach of the foregoing
warranty, DMS' sole obligation, and Intersections's sole and exclusive remedy,
shall be that DMS shall promptly correct the non-conforming Licensed Software
without charge. THE FOREGOING WARRANTY IS IN LIEU OF ALL OTHER WARRANTIES, AND
DMS EXPRESSLY DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE
IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. DMS
SELLS, TRANSFERS AND ASSIGNS MMS TO INTERSECTIONS AS-IS, WHERE-IS AND WITH ALL
FAULTS.

         Section 11. PATENT AND COPYRIGHT INDEMNIFICATION. DMS shall defend,
indemnify and hold Intersections harmless from and against any third party claim
of patent or copyright infringement relating to the Licensed Software, provided
that Intersections promptly notifies DMS in writing of any such claim and allows
DMS to control, and fully cooperates with DMS in, the defense of any such claim
and all related settlement negotiations. In the event an injunction is sought or
obtained against Intersections's use of the Licensed Software as a result of any
such infringement claim, DMS shall, at its sole option and expense, either (a)
procure for Intersections

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the right to continue using the affected Licensed Software, (b) replace or
modify the affected Licensed Software so that it does not infringe, or (c)
terminate the license relating to the affected Licensed Software and refund to
Intersections an amount equal to the fees, if any, paid by Intersections
hereunder in respect of any Services not yet performed as of the date of
termination. THE FOREGOING CONSTITUTES THE ENTIRE LIABILITY OF DMS AND
INTERSECTIONS'S SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO ANY CLAIMS OF PATENT
OR COPYRIGHT INFRINGEMENT.

         Section 12. LIMITATION OF LIABILITY. For all claims relating to this
Agreement, whether in contract, tort, strict liability, or otherwise,
Intersections's sole and exclusive remedy shall be: (a) the sole and exclusive
remedy specified in this Agreement for such claim; or (b) if no such exclusive
remedy is expressly specified in this Agreement for such claim, including any
claim for failure to provide such an exclusive remedy, the right to compel
specific performance or enforcement of the terms of this Agreement. IN NO EVENT
SHALL DMS BE LIABLE FOR ANY INCIDENTAL, CONSEQUENTIAL, PUNITIVE, SPECIAL OR
INDIRECT DAMAGES, INCLUDING BUT NOT LIMITED TO ANY DAMAGES RESULTING FROM A
DISRUPTION IN INTERSECTIONS'S BUSINESS, EVEN IF DMS HAS BEEN ADVISED AS TO THE
POSSIBILITY OF SUCH DAMAGES.

         Section 13. WAIVER OF CONSUMER RIGHTS. (a) INTERSECTIONS WAIVES ITS
RIGHTS UNDER THE TEXAS DECEPTIVE TRADE PRACTICES CONSUMER PROTECTION ACT,
SECTION 17.41 ET SEQ., TEXAS BUSINESS & COMMERCE CODE AND SECTION 349 OF ARTICLE
22-A (CONSUMER PROTECTION FROM DECEPTIVE ACTS AND PRACTICES) OF THE GENERAL
BUSINESS LAW OF THE STATE OF NEW YORK, LAWS THAT GIVE CONSUMERS SPECIAL RIGHTS
AND PROTECTIONS. AFTER CONSULTATION WITH AN ATTORNEY OF ITS OWN SELECTION,
INTERSECTIONS VOLUNTARILY CONSENTS TO THIS WAIVER.

         (b) In order to evidence its ability to grant such a waiver,
Intersections represents and warrants to DMS that (i) Intersections is not in a
significantly disparate bargaining position with respect to the transactions
contemplated by this Agreement and (ii) Intersections is represented by legal
counsel selected solely by Intersections in connection with the transactions
contemplated by this Agreement, including such waiver, and such attorney was not
directly or indirectly identified, suggested or selected by DMS or an agent of
DMS.

         Section 14. TERMINATION; REMEDIES.

         (a) Either party shall be in default if it fails to perform any of its
duties or obligations hereunder and does not cure such failure within 30 days
after written notice is given to the defaulting party. Upon a default, the
non-defaulting party may terminate this Agreement by providing written notice of
termination to the defaulting party, and DMS may cancel the license(s) granted
hereunder. If DMS is in default under this Agreement, Intersections may continue
to use

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the license for up to one year and pay DMS for such use at a rate of $125,000
per month. If Intersections is in default under this Agreement, DMS may elect,
in lieu of terminating this Agreement, to enforce specific performance of this
Agreement. DMS SHALL NOT BE LIABLE TO INTERSECTIONS FOR ANY COSTS, EXPENSES OR
DAMAGES (DIRECT OR OTHERWISE) INCURRED AS A RESULT OF THE EXERCISE OF ANY AND
ALL OF DMS' RIGHTS AND REMEDIES UNDER THIS SECTION 14.

         (b) Either party may terminate this Agreement if an Insolvency Event
occurs with respect to the other party.

         (c) Except as provided in subsection (d) below, upon expiration,
rescission or termination of this Agreement for any reason, or of any licenses
granted hereunder, (i) the provisions of Sections 8(b), 8(c), 8(d), 8(f), 12,
13, 14, 18 and 19 will survive and (ii) Intersections will promptly remove all
Licensed Software from its computers, return all copies of the Licensed Software
(including Documentation) to DMS, and execute and deliver to DMS a certificate,
signed by an officer of Intersections, stating that all copies of the affected
Licensed Software have been removed and returned. Upon termination of this
Agreement by either party in accordance with this Section 14, DMS' obligation to
provide warranty, maintenance or other services under this Agreement or a
separate agreement shall cease.

         (d) Upon valid termination of this Agreement by Intersections upon the
occurrence of an Insolvency Event with respect to DMS, DMS shall be deemed to
have granted Intersections a perpetual, worldwide, royalty-free, fully paid-up,
irrevocable, non-exclusive and non-transferable right and license to the Source
Code of the Licensed Software, including Source Code pertaining to work in
progress, which license shall survive termination of this Agreement. At any time
upon Intersection's written request, DMS will provide a copy of all necessary
Source Code of the Licensed Software and instructions or manuals related thereto
to an escrow agent selected by DMS and agreeable to Intersections. All costs
related to such escrow will be borne by Intersections.

         (e) Upon valid termination of this Agreement by DMS or Intersections,
Intersections shall immediately pay to DMS all license fees that are due and
payable hereunder through the month ending immediately before the termination
date plus the pro rata amount of any license fees from the end of that month
through the termination date, plus any other charges due and owing to DMS
hereunder.

         Section 15. TAXES AND OTHER CHARGES. In addition to all applicable
license and administrative fees, Intersections will pay amounts equal to all
sales, use, personal property and other taxes resulting from this Agreement or
any activities under this Agreement, excluding taxes based on DMS' net income,
unless Intersections furnishes proof of exemption from payment of such taxes
which is in a form reasonably acceptable to DMS. Any sum due DMS for which a
time of payment is not specified will be paid within 30 days after receipt of an
invoice therefor

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from DMS. Any sums not paid when due shall automatically accrue interest from
the date when due until actually paid at the rate of eighteen percent (18%) per
annum or the highest rate allowed by law, whichever is less.

         Section 16. TECHNICAL CONTACT. DMS will deliver all notices and
communications concerning technical, maintenance and administrative matters, and
all shipments of software, hardware and documentation, to the attention of the
individual or group designated by Intersections in writing as Intersections's
Technical Contact at the address set forth in Section 21(g) of this Agreement.

         Section 17. COMPLIANCE WITH LAWS; AGREEMENTS. Intersections shall use
the Licensed Software in accordance with all applicable laws, including the Fair
Credit Reporting Act 15 U.S.C. Section 1681 et seq., as amended ("FCRA") and all
other applicable federal or state credit reporting laws, statutes and
regulations, and all of Intersections's agreements with credit agencies. In this
regard, Intersections agrees that it will use credit reports and other credit
information accessed through the Licensed Software only for permissible purposes
under the FCRA. Intersections hereby agrees to protect, defend, indemnify and
save harmless DMS, and all of its officers, directors, agents, employees,
representatives and assigns from any and all costs, expenses, liabilities and
claims of whatsoever kind or nature and however arising out of, caused by or
based upon Intersections's failure to comply strictly with the foregoing laws,
statutes, agreements or regulations, or upon Intersections's misuse or
misrepresentation of a consumer's credit information accessed through the
Licensed Software, or other misuse of the Licensed Software.

         Section 18. NONCOMPETITION: NONSOLICITATION. (a) Intersections
acknowledges that pursuant to the terms of this Agreement DMS has agreed to
provide Intersections with valuable and proprietary information, including MMS
and the license to the Licensed Software granted hereunder, and the confidential
information identified in Section 19 below. Intersections acknowledges that this
proprietary and confidential information is valuable to DMS and, therefore, its
protection and maintenance constitutes a legitimate interest to be protected by
Intersections. Therefore, Intersections agrees that during the term of this
Agreement and for a period commencing upon the termination of this Agreement and
ending on the second anniversary of such termination, Intersections will not,
directly or indirectly, engage or participate in any business that is in
competition in any manner whatsoever with the Business of DMS as currently
conducted in any state in which DMS is conducting or reasonably expects to
conduct or expand its business. During the term of this Agreement and for a
period commencing on the termination of this Agreement and ending on the second
anniversary of such termination, DMS will not, directly or indirectly engage or
participate in any business that is in competition with in any manner whatsoever
with the Business of Intersections as currently conducted in any state in which
Intersections is conducting or reasonably expects to conduct or expand its
business.

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         (b) Intersections shall not during the term of this Agreement and for a
period commencing upon the termination of this Agreement and ending upon the
second anniversary of such termination, either directly or indirectly, (i) call
on, solicit or take away any of the customers of DMS with whom Intersections
became acquainted during Intersections's association with DMS or (ii) recruit or
hire or attempt to recruit or hire, directly or indirectly, any employee,
consultant or independent contractor of DMS. DMS shall not during the term of
this Agreement and for a period commencing upon the termination of this
Agreement and ending upon the second anniversary of such termination, either
directly or indirectly, (i) call on, solicit or take away any of the customers
of Intersections with whom DMS became acquainted during DMS' association with
Intersections or (ii) recruit or hire or attempt to recruit or hire, directly or
indirectly, any employee, consultant or independent contractor of Intersections.

         (c) Each party represents to the other party that the enforcement of
the restrictions contained in this Section 18 would not be unduly burdensome to
each such party.

         (d) Each party agrees that a breach or violation of this Section 18 by
the other party would cause the non-breaching party irreparable injury for which
it would have no adequate remedy at law, and that such non-breaching party will
be entitled to preliminary or other injunctive relief issued by any court or
arbitration panel of competent jurisdiction, restraining any such breach or
violation. Such injunctive relief will be in addition to, and in no way in
limitation of any other remedies or rights that the non-breaching party may have
at law or in equity.

         Section 19. CONFIDENTIALITY. Intersections understands and agrees that
in DMS' performance of its duties hereunder, DMS will communicate to
Intersections certain confidential and proprietary information concerning the
Business of DMS and the Licensed Software, and including without limitation (i)
certain know-how, technology, techniques, computer code for the software
products proprietary to DMS, whether in Source Code or Object Code form, and
related documentation for the software products proprietary to DMS and (ii)
credit attributes derived from credit information derived from the credit
bureaus, including the selection, definition and sequencing of such credit
information, all of which are confidential, proprietary information and trade
secrets of DMS (collectively the "DMS Confidential Information"). Intersections
agrees to hold all such DMS Confidential Information, and any other information
and/or materials identified by DMS as confidential, for Internal Purposes solely
as contemplated by this Agreement and shall not, without specific prior written
consent of an authorized officer of DMS, utilize in any manner, communicate or
disclose any part thereof to any third party. Intersections shall require all of
its agents and employees to sign a confidentiality agreement satisfactory to DMS
and shall vigorously enforce such agreement. Intersections acknowledges that (i)
the restrictions contained in this Section 19 are reasonable and necessary to
protect DMS' legitimate interests, (ii) remedies at law will be inadequate and
any violation of these restrictions will cause irreparable damage to DMS within
a short period of time, and (iii) DMS will be entitled to injunctive relief
against each violation. Intersections further agrees that all confidentiality
commitment hereunder shall survive termination of this Agreement for any reason.
DMS agrees that in the course of

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performing its services hereunder it will receive or learn certain proprietary
and confidential information about Intersections, including its business
practices, client relationships, and customer data (collectively, the
"Intersections Confidential Information"). DMS agrees to hold all such
Intersections Confidential Information, and any other information and/or
materials identified by Intersections as confidential, for Internal Purposes
solely as contemplated by this Agreement and shall not, without specific prior
written consent of an authorized officer of Intersections, utilize in any
manner, communicate or disclose any part thereof to any third party.
Intersections shall require all of its agents and employees to sign a
confidentiality agreement satisfactory to Intersections and shall vigorously
enforce such agreement. Intersections acknowledges that (i) the restrictions
contained in this Section 19 are reasonable and necessary to protect
Intersections' legitimate interests, (ii) remedies at law will be inadequate and
any violation of these restrictions will cause irreparable damage to
Intersections within a short period of time, and (iii) Intersections will be
entitled to injunctive relief against each violation. Intersections further
agrees that all confidentiality commitment hereunder shall survive termination
of this Agreement for any reason.

         Section 20. DISPUTE RESOLUTION. (a) The parties agree that other than
the right to apply to a court of competent jurisdiction for a temporary
restraining order to preserve the status quo or prevent irreparable harm pending
the selection and confirmation of a mediator or arbitrator, any dispute between
DMS and Intersections under this Agreement or involving its interpretations or
obligations shall be determined by mediation and, if necessary, by arbitration
as follows:

         (b) In the event of any dispute arising out of this Agreement, as a
condition to commencing arbitration, the aggrieved party shall give the other
party written notice of the matters considered to be in dispute and if the
dispute is not settled within ten business days of the receipt of such notice by
the other party, then the dispute shall be submitted to mediation in New York,
New York, unless the parties agree otherwise. Costs of mediation shall be borne
equally by the parties. Mediation of the dispute shall be completed within 15
days of its commencement unless the parties extend the time by mutual agreement,
or unless the mediator declares the parties to be at an impasse. In the event of
an impasse or completion of the mediation without resolution of the dispute, the
aggrieved party may initiate arbitration as provided in subparagraph (c).

         (c) Any questions or disputes (including disputes as to any amounts
owed) that have first been submitted to mediation in accordance with the
procedure in subparagraph (a) shall be submitted to arbitration in accordance
with the then pertaining rules for commercial arbitration of the American
Arbitration Association by a single arbitrator selected by the American
Arbitration Association or by an arbitrator agreed upon by the parties. Any such
arbitration shall be held in New York, New York unless the parties agree
otherwise. The arbitrator shall have substantial expertise in the field of
computer software technology and licensing. The parties shall be entitled to
conduct reasonable discovery, in accordance with the New York Rules of Civil
Procedure and applicable case law, prior to the arbitration hearing, and the New
York Rules of Evidence shall be applicable to the arbitration proceeding. The
decision of the arbitrators shall

                                      -12-
<PAGE>
be final and binding on DMS and Intersections and may be entered and enforced in
any court of competent jurisdiction by either party.

         Section 21. GENERAL TERMS AND CONDITIONS. (a) Entire Agreement. This
Agreement contains the entire understanding of the parties with respect to its
subject matter, and supersedes any and all related prior understanding and
agreements, oral or written. This Agreement cannot be modified or amended except
in writing signed by both parties.

         (b) Force Majeure. DMS shall be excused from delays in performing or
from its failure to perform hereunder, and such delays or failures shall not
constitute breaches of this Agreement, to the extent that such delays or
failures result from causes beyond its reasonable control, including but not
limited to the acts or omissions of the credit reporting bureaus (e.g., one or
more of the credit bureaus ceases to provide credit information to DMS), labor
disputes, strikes, or other labor or industrial disturbances, acts of God,
floods, lightning, shortages of materials, utility or communication failures,
earthquakes, casualty, war, riots, insurrections, embargoes, regulations or
orders from any government, agency or subdivision thereof; provided that, in
order to be excused from delay or failure to perform, DMS must act diligently to
remedy the cause of such delay or failure.

         (c) No Agency. DMS does not undertake by this Agreement or otherwise to
perform any obligation of Intersections, whether by regulation or contract. In
no way is DMS to be construed as the agent or acting as the agent of
Intersections in any respect, all other provisions of this Agreement
notwithstanding. DMS does not grant to Intersections any authority of any kind
to bind DMS in any respect whatsoever. Intersections does not grant to DMS any
authority of any kind to bind Intersections in any respect whatsoever.

         (d) Governing Law. THE VALIDITY, CONSTRUCTION AND PERFORMANCE OF THIS
AGREEMENT AND THE LEGAL RELATIONS AMONG THE PARTIES SHALL BE GOVERNED BY AND
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.

         (e) Conflicting or Invalid Terms. If any provision of this Agreement is
declared or found to be illegal, unenforceable or void, then each provision not
so effected will remain in full force and effect.

         (f) No Waiver. No delay or omission by either party hereto to exercise
any right or power occurring upon any non-compliance or default by the other
party with respect to any of the terms of this Agreement shall impair any such
right or power or be construed to be a waiver thereof. A waiver by either of the
parties hereto of any of the covenants, conditions or agreements to be performed
by the other shall not be construed to be a waiver of any succeeding breach
thereof or of any other covenant, condition, or agreement herein contained.
Unless

                                      -13-
<PAGE>
otherwise stated, all remedies provided for in this Agreement shall be
cumulative and in addition to and not in lieu of any other remedies available to
either party at law, in equity, or otherwise.

         (g) Notices. Under this Agreement, if one party is required to give
notice to the other, such notice shall be deemed given if mailed by registered
or certified first class mail, postage paid with return receipt requested, or if
sent by telefacsimile, with receipt confirmed, and addressed as follows (or as
subsequently noticed to the other party):

DIGITAL MATRIX SYSTEMS, INC.
15301 Spectrum Drive
Addison, TX 75001-6466
ATTN: Mr. David McGough
Facsimile: (972) 341-0020

INTERSECTIONS INC.
14930 Bogle Drive
Chantilly, VA 20151
ATTN: Mr. Ken Schwarz
Facsimile: (703) 488-6180

         (i) Binding Effect: No Assignment. This Agreement shall inure to the
benefit of and be binding upon and enforceable against each party and its
successors and assigns. Intersections may not sell, assign, convey, sublicense
or transfer this Agreement or its rights or obligations hereunder without the
prior written consent of DMS. Notwithstanding anything herein to the contrary,
Intersections shall have the right to assign the Agreement and its rights
hereunder to any of its Affiliates; provided, that, Intersections shall notify
DMS in writing at least ten days in advance of any such transfer and deliver to
DMS the instrument of assignment, satisfactory in form and substance to DMS and
properly executed by both Intersections and its permitted assignee and; provided
further, that Intersections shall at all times during this Agreement remain
fully liable for all obligations it has or may have under this Agreement. Any
assignment, transfer, conveyance or sublicense in violation of this paragraph
shall be null and void.

                            [SIGNATURE PAGE FOLLOWS]

                                      -14-
<PAGE>
         IN WITNESS WHEREOF, DMS and Intersections have caused this Agreement to
be signed and delivered as of the date first written above.

                            DIGITAL MATRIX SYSTEMS, INC.

                            By:   /s/ David McGough
                                  ---------------------
                            Name: David McGough
                                  ---------------------
                            Title: President
                                   --------------------

                            INTERSECTIONS INC.

                            By:   /s/ Michael Stanfield
                                  ---------------------
                            Name: Michael Stanfield
                                  ---------------------
                            Title: 1/5/00
                                   --------------------

                                      -15-
<PAGE>
                    SCHEDULE A - LICENSED SOFTWARE SCHEDULE
                           (As modified as of 1-5-2000)

LICENSEE: INTERSECTIONS INC.:

The Schedule below is hereby made part of the Software License and Services
Agreement dated 4/1 , 1999

<TABLE>
<CAPTION>
                                                                       Maximum No. of
Description            Class      Specifications                       Concurrent Users
-----------            -----      --------------                       ----------------
<S>                    <C>        <C>                                  <C>
Credit Toolkit(TM)       N/A        Version 0445 Release 34              3

Merge and Monitoring   N/A        "Credit Monitor" Release 33          N/A
System
</TABLE>

Legend: Class + System Classification Ranked by DMS

Accepted by:                               Accepted by:

Digital Matrix Systems, INC.               Intersections Inc.

By:    /s/ David McGough                   By:    /s/ Michael Stanfield
       --------------------                       ---------------------
Name:  David McGough                       Name:  Michael Stanfield
       --------------------                       ---------------------
Title: President                           Title: CEO
       --------------------                       ---------------------
Date:  1/5/00                              Date:  1/5/00
       --------------------                       ---------------------

            [ ] Check box if superseded by subsequent modifications.

                                      -16-
<PAGE>
                                    EXHIBIT A
                        SUPPORT AND MAINTENANCE AGREEMENT

      This SUPPORT AND MAINTENANCE AGREEMENT (this "Agreement"), made and
entered into this 6th day of January, 2000 by and between Digital Matrix
Systems, Inc., a Texas corporation (hereinafter "DMS"), and Intersections Inc.,
a Delaware corporation (hereinafter "Intersections").

                              W I T N E S S E T H :

      WHEREAS, DMS and Intersections have entered into that certain Software
License Agreement of even date herewith (the "License Agreement") whereby DMS
has agreed to license to Intersections certain computer software products
proprietary to DMS which enable Intersections to perform certain report
monitoring and merging operations; and

      WHEREAS, in connection with the License Agreement, DMS and Intersections
have agreed to enter into a separate agreement whereby DMS will provide
maintenance and support services for the Licensed Software (as herein defined);
and

      NOW, THEREFORE, in consideration of the premises and mutual covenants and
agreements herein set forth, the parties, intending to be legally bound, agree
as follows:

      Section 1. DEFINITIONS. For purposes of this Agreement, the following
additional definitions will apply:

      (a) "Credit Toolkit(TM)" shall refer to DMS' proprietary Credit
Toolkit(TM) computer software, which is described on Schedule A.

      (b) "Licensed Software" shall refer collectively to the Credit Toolkit(TM)
and the Merge and Monitoring System listed on Schedule A attached hereto.

      (c) "Maintenance Term." The term of support and maintenance commences
upon the date of this Agreement and, unless earlier terminated pursuant to the
terms and conditions hereof, shall continue until the termination or expiration
of Intersections' license in respect of either item of the Licensed Software.

      (d) "Merge and Monitoring System" shall refer to DMS' proprietary Merge
and Monitoring System computer software, which is described on Schedule A
attached hereto.

      (e) "Error." Either a failure of the Licensed Software to conform in all
material respects to the Specifications, or a program or documentation defect in
the Licensed Software resulting in (a) inability to use the Licensed Software,
(b) a critical adverse impact on Intersections' operations, or (c) damage to the
integrity of Intersections' data base. However, any condition resulting from
unauthorized maintenance to the Licensed Software; misuse of or damage to the
<PAGE>
Licensed Software in any respect other than by personnel of DMS; hardware,
components or software not provided by DMS; or the actions of Intersections,
will not be considered an Error.

      (f) "Error Correction." Either a software modification or addition that,
when made or added to the Licensed Software, corrects the Error, or a procedure
or routine that, when observed in the regular operation of the Licensed
Software, eliminates the practical adverse effect of the Error on Intersections.

      (g) "Enhancement." Any modification or addition that, when made or added
to the License Software, materially changes its utility, efficiency, functional
capability or application, but that does not constitute solely an Error
Correction.

      (h) "Software Update." A subsequent version of the Licensed Software that
includes Enhancements and/or Error Corrections.

      (i) "Specifications" shall refer to the functional performance parameters
of the Licensed Software provided in writing by DMS to Intersections.

      (j) "Standard Business Hours." The hours between 8:30 A.M. and 5:30 P.M.
Dallas, Texas Time on the days Monday through Friday, excluding regularly
scheduled holidays of DMS.

      Section 2. SCOPE OF SERVICES. During the Maintenance Term and subject to
the terms and conditions set forth herein, DMS will provide the basic support
and maintenance services described in this Section 2 (the "Basic Maintenance
Services") in support of the Licensed Software, during Standard Business Hours.

      (a)   In providing Basic Maintenance Services, DMS will:

            (i) Expend reasonable efforts to provide an Error Correction
      designed to solve or by-pass a reported Error. If such Error has been
      corrected in a Software Update, it will be necessary for Intersections to
      install and implement that Software Update; otherwise, the Error
      Correction will be provided in the form of a temporary fix, to be used
      until a Software Update containing the permanent Error Correction is
      available.

            (ii) Provide Intersections with Software Updates, if necessary, to
      support the Specifications. DMS will send to Intersections a copy of any
      such Software Update for a nominal fee equal to the cost of media and
      reasonable postage and handling charges.

            (iii) Provide telephone support related to the Licensed Software
      during Standard Business Hours.

            (iv) Provide those support services that DMS generally provides at
      no additional charge to other licensees of the Licensed Software when
      covered by Basic Maintenance Services.

                                      -2-
<PAGE>
            (v) Consult regarding the operation of the Licensed Software, the
      processes to perform certain credit reporting monitoring and merging
      operation at Intersections' premises, and the development of additional
      functionalities to the Licensed Software, during Standard Business Hours.

      (b) DMS will provide support and maintenance services beyond the level of
Basic Maintenance Services upon which DMS and Intersections may agree on a time
and materials basis at DMS' then-current standard rates.

      (c) DMS shall not be obligated to provide the Basic Maintenance Services
unless and until all of the following conditions have been met: (i)
Intersections shall have been unable to solve the problem despite Intersections'
exercise of reasonable effort and diligence after consulting with DMS; (ii) the
problem is the result of a reproducible program error or malfunction caused by
DMS; (iii) the Licensed Software has not been changed, modified or damaged
(excluding modifications made under the direct supervision of DMS); (iv)
Intersections shall have installed and implemented Software Updates such that
the version/release level of the Licensed Software is one supported by DMS
pursuant to Section 2(d) below; and (v) Intersections shall have installed any
hardware or software necessary for the proper operation of the Licensed Software
and provided by DMS.

      (d) DMS shall have no obligation to support or maintain any version of the
Licensed Software except (i) the then current release of the Licensed Software
and (ii) the immediately preceding release of the Licensed Software for a period
of six months after it is first superseded.

      Section 3. ENHANCEMENTS TO LICENSED SOFTWARE. Subject to Section 5(d),
Intersections may at any time during the term of this Agreement request that DMS
make Enhancements to the Licensed Software.

      Section 4. OWNERSHIP. Unless otherwise agreed to in writing by the
parties, any modifications to the Licensed Software, including all intellectual
property rights associated therewith, made or provided by DMS hereunder (whether
alone or with any contribution from Intersections or its personnel) shall be
owned exclusively by DMS. To the extent Intersections or its personnel may
acquire any right or interest therein by operation of law, Intersections
irrevocably assigns all such rights and interest exclusively to DMS.
Intersections shall maintain and enforce agreements and policies with its
personnel sufficient to give effect to the provisions of this Section 4.

      Section 5. FEES AND CHARGES.

      (a) The fees in consideration for DMS's agreement to provide Basic
Maintenance Services hereunder are included as part of the consideration for
DMS' execution of the License Agreement. Such fees shall be paid by
Intersections in accordance with the schedule set forth in the License
Agreement.

                                      -3-
<PAGE>
      (b) Subject to payment of any additional maintenance fees that may apply,
Intersections may, from time to time, amend Schedule A to add maintenance for
additional Licensed Programs. The amount of the maintenance fees for any
Licensed Programs added to Schedule A after the execution of this Agreement
shall be as specified in DMS' then current price list, which is subject to
change without notice. Any other amendments to Schedule A shall be subject to
payment of any additional maintenance fees that may apply as a result of such
amendment. No modifications to Schedule A shall be effective unless and until an
amended Schedule A is signed by both parties and all applicable maintenance and
administrative fees have been paid.

      (c) Intersections will reimburse DMS for travel expenses (i.e.
transportation, lodging and meals) and telephone expenses incurred by DMS under
this Agreement in rendering services more than fifty (50) miles from DMS'
headquarters in Dallas, Texas. DMS will provide backup documentation for
expenses as requested by Intersections.

      (d) With respect to services provided by DMS pursuant to Section 3 hereof,
DMS will notify Intersections within thirty (30) days after receiving
Intersections' request whether it has determined that the Enhancement would be
of sufficient interest to enough end-users that DMS intends to provide such
modification as part of its regular maintenance service. Such notice shall
specify an estimated date on which the Enhancement may be supplied. Otherwise,
DMS will notify Intersections that it is determined that the Enhancement will be
undertaken only on an individual basis and provide Intersections with a written
estimate of the charges for performing such Enhancement. If Intersections
accepts DMS' proposal by written notice, DMS agrees to perform the Enhancement
for the estimated charges, plus out-of-pocket expenses for travel and materials.
Intersections acknowledges that DMS may impose additional charges, calculated at
its then-current time and material rates for work performed to accommodate
revisions to the request for Enhancements if such revisions are requested by
Intersections after Intersections accepts the estimate.

      Section 6. TERMINATION. (a) With respect to either the Credit Toolkit(TM)
or the Merge and Monitoring System, the support and maintenance services
hereunder will terminate immediately upon any termination or expiration of
Intersections' license in respect of either item of such Licensed Software.

      (b) Either party may terminate this Agreement at any time in the event of
a material breach of the terms hereof by the other party if such party shall
fail to cure such material breach within thirty (30) days of receipt of written
notice thereof. For purposes of this Agreement, and without limiting the
foregoing, a material breach shall be deemed to have occurred upon an Insolvency
Event (as defined in the License Agreement).

      (c) DMS may terminate this Agreement if Intersections fails to pay any
amounts that are payable to DMS under this Agreement or the License Agreement
within ten (10) days after any such amount becomes due. The requirement to pay
within ten days is waived for payments due prior to January 31, 2000 as long as
Intersections has paid all prior due payments by January 31, 2000.

                                      -4-
<PAGE>
      (d) Upon written notice to Intersections, DMS shall have the right to
discontinue providing the support and maintenance services in respect of either
the Credit Toolkit(TM) or the Merge and Monitoring System if: (i) the version of
such item of Licensed Software being used by Intersections is no longer
supported by DMS as provided in Section 2(d) of this Agreement; and (ii)
Intersections shall fail to install a version of such item of Licensed Software
that is currently being supported within 30 days after Intersections' receipt of
such notice.

      Section 7. LIMITATION OF LIABILITY AND REMEDIES. (a) DMS MAKES NO
WARRANTIES HEREUNDER, EITHER EXPRESS OR IMPLIED (INCLUDING ANY WARRANTY OF
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE).

      (b) The total liability of DMS for all claims, whether in contract, tort
or otherwise, arising out of, connected with, or resulting from any performance
or nonperformance hereunder shall not exceed the fees allocable to the service
which gives rise to the claim. IN NO EVENT SHALL DMS BE LIABLE FOR INCIDENTAL,
CONSEQUENTIAL, INDIRECT OR SPECIAL DAMAGES, INCLUDING WITHOUT LIMITATION,
DAMAGES FOR LOSS OF REVENUE, CLAIMS OF CUSTOMERS FOR SERVICE INTERRUPTIONS OR
FAILURE OF SUPPLY, AND COSTS AND EXPENSES INCURRED IN CONNECTION WITH LABOR,
OVERHEAD, TRANSPORTATION, INSTALLATION, OR REMOVAL OF EQUIPMENT OR PROGRAMMING
OR SUBSTITUTE FACILITIES OR SUPPLY SOURCES.

      Section 8. MISCELLANEOUS. (a) Entire Agreement. This Agreement contains
the entire understanding of the parties with respect to its subject matter, and
supersedes any and all related prior understanding and agreements, oral or
written. This Agreement cannot be modified or amended except in writing signed
by both parties.

      (b) Force Majeure. DMS shall be excused from delays in performing or from
its failure to perform hereunder, and such delays or failures shall not
constitute breaches of this Agreement, to the extent that such delays or
failures result from causes beyond its reasonable control, including but not
limited to labor disputes, strikes, or other labor or industrial disturbances,
acts of God, floods, lightening, shortages of materials, utility or
communication failures, earthquakes, casualty, war, riots, insurrections,
embargoes, regulations or orders from any government, agency or subdivision
thereof; provided that, in order to be excused from delay or failure to perform,
DMS must act diligently to remedy the cause of such delay or failure.

      (c) No Agency. DMS, in furnishing services to Intersections, is providing
services as an independent contractor. DMS does not undertake by this Agreement
or otherwise to perform any obligation of Intersections, whether by regulation
or contract. In no way is DMS to be construed as the agent or acting as the
agent of Intersections in any respect, all other provisions of this Agreement
notwithstanding.

      (d) Governing Law. THE VALIDITY, CONSTRUCTION AND PERFORMANCE OF THIS
AGREEMENT AND THE LEGAL RELATIONS AMONG THE PARTIES SHALL BE GOVERNED BY AND
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.

                                      -5-
<PAGE>
      (e) Dispute Resolution. Any dispute between DMS and Intersections under
this Agreement or involving its interpretations or obligations shall be
determined in accordance with the dispute resolution provisions of the License
Agreement, which provisions are incorporated herein by reference.

      (f) Conflicting or Invalid Terms. To the extent any provisions of this
Agreement are inconsistent, or in conflict, with any of the provisions of the
License Agreement, the terms of the License Agreement shall control. If any
provision of this Agreement is declared or found to be illegal, unenforceable or
void, then each provision not so effected will remain in full force and effect.

      (g) No Waiver. No delay or omission by either party hereto to exercise any
right or power occurring upon any non-compliance or default by the other party
with respect to any of the terms of this Agreement shall impair any such right
or power or be construed to be a waiver thereof. A waiver by either of the
parties hereto of any of the covenants, conditions or agreements to be performed
by the other shall not be construed to be a waiver of any succeeding breach
thereof or of any other covenant, condition, or agreement herein contained.
Unless otherwise stated, all remedies provided for in this Agreement shall be
cumulative and in addition to and not in lieu of any other remedies available to
either party at law, in equity, or otherwise.

      (h) Notices. Under this Agreement, if one party is required to give notice
to the other, such notice shall be deemed given if mailed by registered or
certified first class mail, postage paid with return receipt requested, or if
sent by telefacsimile, with receipt confirmed, and addressed as follows (or as
subsequently noticed to the other party):

      DIGITAL MATRIX SYSTEMS, INC.
      15301 Spectrum Drive
      Dallas, TX 75001-6466
      ATTN: Mr. David McGough
      Telefacsimile: (972) 341-0020

      INTERSECTIONS INC.
      14930 Bogle Drive
      Chantilly, VA 20151
      ATTN: Mr. Ken Schwarz
      Telefacsimile: (703) 488-6180

      (i) Binding Effect; No Assignment. This Agreement shall inure to the
benefit of and be binding upon and enforceable against each party and its
successors and assigns. Intersections may not sell, assign, convey, sublicense
or transfer this Agreement or its rights or obligations hereunder through
merger, acquisition, sale of all or substantially all of Intersections' assets,
or otherwise without the prior written consent of DMS. Any assignment, transfer,
conveyance or sublicense in violation of this paragraph shall be null and void.

      IN WITNESS WHEREOF, DMS and Intersections have caused this Agreement to be
signed and delivered as of the date first written above.

                                      -6-
<PAGE>
DIGITAL MATRIX SYSTEMS, INC.

By:  /s/ David McGough
     --------------------------------
Name: David McGough
     --------------------------------
Title: President
     --------------------------------

INTERSECTIONS INC.

By:  /s/ Michael Stanfield
     --------------------------------
Name: Michael Stanfield
     --------------------------------

Title: CEO
     --------------------------------

                                      -7-
<PAGE>
                                   SCHEDULE A

Licensed Programs:

Credit Toolkit(TM)
Merge and Monitoring System

Accepted by:                            Accepted by:

Digital Matrix Systems, Inc.            Intersections Inc.

By:   /s/ David McGough                 By: /s/ Michael Stanfield
     ----------------------------          ----------------------------------
Name:     David McGough                 Name: Michael Stanfield
     ----------------------------            --------------------------------
Title: President                        Title: CEO
     ----------------------------            --------------------------------
Date: 1/5/00                            Date: 1/5/99
     ----------------------------            --------------------------------

[ ]Check box if superseded by subsequent modifications.

                                      -8-

<PAGE>
                              ADDENDUM TO CONTRACT

In consideration for DMS' agreement to amend the April 1, 2999, Software
License Agreement to reduce the term to December 31, 2006, eliminate the
cancellation provision and to adjust the monthly payment to reflect the changes
in Intersections business, Intersections agrees to pay a one time fee of
$2,800,000 on or before January 31, 2002. This amendment is contingent upon the
completion of financing by Intersections on or before January 31, 2002, and
Intersections payment to DMS. The amendment is as follows:

SECTION 9 OF THE LICENSE AGREEMENT IS STRUCK AND REPLACE WITH THE FOLLOWING
CLAUSE:

     SECTION 9. Consideration.

In Consideration for the license granted and the Services performed hereunder,
Intersections shall pay to DMS beginning April 1, 1999 and ending on December
31, 2001, monthly installments of $125,000 each within ten days following the
end of each month, the first payment of which shall be due within ten days
following April 30, 1999. For the period January 1, 2002 to December 31, 2003
the monthly installment will be $60,000 and for the period January 1, 2004 to
December 31, 2006 the payment will be $50,000 per month. No additional
consideration shall be due or owing by Intersections under the License
Agreement.

SECTION 5 OF THE LICENSE AGREEMENT IS REVISED AS FOLLOWS:

SECTION 5. Term.

The term of the license to the License Software commences on April 1, 1999 and,
unless earlier terminated pursuant to the terms and conditions hereof or
renewed for additional two year terms with six months notice, will terminate as
of December 31, 2006.

SECTION 14(a) OF THE LICENSE AGREEMENT IS REVISED AS FOLLOWS:

     (a) The "rate of $125,000 per month" is modified to "the current rate per
month"

All other provisions of the License Agreement shall remain unchanged. This
Addendum shall have no effect and the original terms of the License Agreement
shall apply in all respects

/s/ Kenneth D. Schwarz                                   11/16/01
----------------------------------               ---------------------------
Kenneth D. Schwarz                               Date
Chief Financial Officer
Intersections Inc.

/s/ David McGough                                        11/16/01
----------------------------------               ---------------------------
David McGough                                    Date
President
Digital Matrix Systems Inc. (DMS)<PAGE>
                                                                   EXHIBIT 10.16

Ken Schwarz
Intersections, Inc.

December 14, 2001

Dear Ken,

During the renegotiation of our licensing agreement with Intersections I
realized we have been operating under a verbal agreement on the processing of
the monitoring files.

This is a note to confirm our arrangement.

DMS will perform the monitoring for intersections on a monthly basis; this
consists of the following high-level tasks.

- Receipt of monitoring on a weekly or monthly basis as determined by
  Intersections
- Conversion of request files to inquiry files to be sent to bureaus
- Receipt and importing of archive reports from EFX, TU and XPN
- Management and execution of three applications, Monitoring, AQR and CQCU
- QC of Monitoring, AQR and CQCU results files prior to delivery via ftp
- Providing monitoring results reports segregated by product
- Research of QC issues from Intersections
- Provision of attribute information to be utilized for Credit Analyzer and
  Automated QC efforts
- Mutually agree on service level objectives

-------------------------------------------------------------------------------

For this service Intersections will pay DMS $20,000, per month and agrees to
give DMS one year notice if Intersections decides it no longer wished DMS to
provide these services.

Thanks,

/s/ David A. McGough
----------------------------
David A. McGough
Digital Matrix Systems, Inc.

Agreed to by

/s/ Kenneth Schwarz
----------------------------
Kenneth Schwarz
CFO
Intersections

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