Document:

<PAGE>

                                   CAVION.COM

                        SECURE NETWORK SERVICE AGREEMENT
                           (MISSION CRITICAL RECOVERY)

     This secure Network Services Agreement is between Cavion Technologies,
Inc., a Colorado corporation doing business as cavion.com ("Cavion"), and
Mission Critical Recovery ("Client"), Cavion offers a variety of data
connectivity services ("Network services") through Cavion's CU/Net-Registered
Trademark- network. CU/Net is a secure interactive network for electronic
communications and commerce among credit unions, their members, leagues,
service organizations and vendors of services to credit unions. This
agreement governs Client's use of CU/Net and the network services selected on
the attached Services Schedule.

     It is agreed as follows:

1. SERVICES. Client subscribes for the network services selected on the attached
Services Schedule. Cavion will contract with local telecommunications provider
to establish and maintain a connection from Client's data processing and
associated equipment ("Client's equipment) to CU/Net. Upon mutual agreement of
the parties, the Services Schedules may be added at any time to add or reduce
services or telecommunications bandwidth.

2. FEES. The fees for access to CU/Net and for each network service are as
described in the Services Schedule. In addition to the listed fees, Client will
pay any applicable sales, use, value-added, personal property or similar taxes,
Monthly recurring fees will begin upon commencement of service, and are due upon
receipt of invoice from Cavion. Fees for additional services or
telecommunications bandwidth will begin upon commencement of the new or upgraded
service. Fees may be increased for any renewal term of this agreement, upon
notice to Client at least 60 days prior to the end of the current term. Fees may
also be increased on an annual basis to reflect changes in the All-Urban
Consumer Price Index as published by the Bureau of Labor Statistics with 120
days notice to client. Failure to pay any fees on time may result in suspension
of service.

3.   SET-UP OF THE SERVICES.

3.1 Any network servers, routers and other equipment paid for by Client as part
of the monthly fees are described in the attached Equipment Schedule. This
equipment belongs to Cavion. All equipment associated with CU/Net and Client's
connection to CU/Net is owned or leased by Cavion, whether located at a Client
facility or a Cavion facility. Client is responsible for wiring at Client's
facility, with assistance from Cavion engineering staff.

4.   NETWORK OPERATIONS.

4.1 Client is solely responsible for providing support to its clients regarding
their use of CU/Net and the network services.

4.2 Cavion will provide telephone support to Client during regular business
hours at the nearest Cavion staffed facility. Emergency support is available 24
hours per day, 365 days per year. Cavion will maintain, administer and upgrade
the network as appropriate (in Cavion's judgment) for effective network
operations. Should an upgrade of the Network require upgrade of client's
equipment or software to remain compatible, the upgrade of Client's equipment or
software to remain compatible, the upgrade of Client's equipment or software
will be Client's responsibility.

4.3 Cavion will maintain the network connection equipment provided to Client's
facility under this agreement. However, Client is responsible for maintaining as
appropriate operating environment and restricting access to the connection
equipment. Cavion relies on Client to promptly notify Cavion of any problem
affecting Client's connection to the network, and to cooperate with Cavion
(including providing access to Client's facility and technical personnel) as
needed to correct any such problem.

4.4 CU/Net uses standard telecommunication links and standard network server
technology. While expected to be minimal, unscheduled temporary service
disruptions cannot be completely eliminated. Network service will also be
limited or interrupted from time to time for scheduled maintenance, network
expansion, upgrades or other administrative purposes. Cavion will make
commercially reasonable efforts to notify clients in advance of scheduled
downtime, and to limit scheduled downtime to off-peak hours.

4.5 Cavion reserves the right to monitor CU/Net traffic as appropriate (in
Cavion's judgment) for proper operation of the network and as otherwise required
or permitted by law. However, Cavion does not have the practical ability to
control the conduct of users of the network and assumes no liability for such
conduct.

5. STANDARDS OF USE. Client will use CU/Net and the network services, and will
permit the use of CU/Net and the network services, only in a manner that is
lawful, consistent with the rights of other users and third parties, in keeping
with accepted internet etiquette, and not disruptive to the operations of the
network. Client will provide access to the network only to its employees,
independent contractors and examiners, and only from equipment located at
Client's facilities. Client will communicate the restrictions described in this
section to anyone to whom it provides access. Vendors who use the network to
provide services to Client or its members must do so by agreement with Cavion.
Client agrees to comply with any rules and policies posted on CU/Net's web
server that are generally applicable to users of CU/Net or a network service.
Material breach of this section will cause for immediate suspension of service
or termination of this agreement.

6. SECURITY. Cavion will take commercially reasonable steps in ensure that
network services sessions accessed from the internet, and CU/Net interfaces to
the Internet, are protected using network firewalls, encryption, and/or other
appropriate security measures. Client is responsible for (a) the security of
network equipment located at Client's facility, and (b) safeguarding any
passwords or other validation information resigned to Client or Client's users.
In addition, while the private telecommunication circuits between Client
facility and CU/Net provide physical security for Client's unencrypted network
traffic, these circuits are owned and operated by

<PAGE>

telecommunications providers and Cavion does not guarantee their security.

7.   LIMITED WARRANTIES.

7.1 Except as described in section 4.4, CU/Net will be online and available 24
hours per day, 365 days per year. Each network service will be capable of
performing the functions described in the online documentation associated with
the service, for the term of this agreement, provided the service is used with
an approved web browser and otherwise in accordance with the documentation.
Cavion does not guarantee that operation of CU/Net or the network services will
be uninterrupted or error-free. Cavion is not responsible for network
unavailability caused by Client's equipment, equipment of Client's customers,
telecommunications circuits or the Internet. Client is responsible for
___________________ which of the telecommunications circuits offered by CU/Net
will be used, and for the adequacy of the telecommunications circuit to carry
Client's traffic over CU/Net.

7.2 Claims for breach of this warranty should be submitted in writing, including
as much detail as possible concerning the circumstances of the problem. If
Cavion is unable to correct the problem (with Client's cooperation) within 30
days, Cavion will refund the monthly charges relating to the service in which
the problem is experienced, promised for the affected period.

7.3 This section sets forth Cavion's exclusive warranties with respect to the
performance of CU/Net and the network services. Cavion DISCLAIMS ANY OTHER
WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OR MERCHANTABILITY,
FITNESS FOR ANY PARTICULAR PURPOSE, TITLE, AUTHORITY OR NON-INFRINGEMENT. These
warranties are exclusively for the benefit of Client, and are not transferable
without Cavion's prior written consent.

8. LIMITATION OF LIABILITY. Client is exclusively responsible for all financial
risks associated with access to and use of CU/Net and the network services by
Client's customers, including validation of all transaction. In no event will
Cavion be liable for lost data, lost profits, or any other incidental,
consequential or exemplary damages. In no event will Cavion's liability for any
claim related to this agreement exceed the amount paid by Client under this
agreement during the six months prior to the claim, except in the case of
Cavion's gross negligence or willful misconduct.

9.   OWNERSHIP AND LICENSE.

9.1 "Cavion Technology" means all inventions, designs, software and
intellectural property of any kind used in the operation of CU/Net and the
network services, including all portions and complete or partial copies thereof,
all ____________, modifications and enhancements thereof, and any documentation
associated therewith. "Cavion technology" does not include Client's lost data
processing software. Cavion owns or licenses from third parties all Cavion
technology.

9.2 Cavion hereby grants to Client, during the term of this agreement and
subject to the provisions of this agreement, a nonexclusive nontransferable
license (a) to use the Cavion technology (other than the network services
software) for the purpose of connecting to, and transmitting and receiving data
across the network as contemplated by this agreement, and (b) to use any network
services software subscribed and paid for under the Services Schedule to access,
employ and make available to Client's members the corresponding network
services. This license does not include rights to (a) use the Cavion technology
for any other purpose, (b) modify, translate, or merge any network services
software with another program, (c) create a ___________ work based on the Cavion
technology, or (d) sublicense or transfer the Cavion technology to any third
party (except for the implied sublicense to Client's members to use the network
services as contemplated by this agreement). Client will not reverse-engineer,
disassemble, decompile, or make any attempt to discover the source code of the
network services software. Client will not copy the network services software,
except for temporary browser-embedded copies as required to run the software.
All rights not explicitly granted to Client under this section are reserved to
Cavion.

9.3 Cavion hereby grants to Client, during the term of this agreement and
subject to the provisions of this agreement, a nonexclusive, nontransferable
license to use the CU/Net name and any materials concerning CU/Net provided by
Cavion, for the purpose of promoting the network and the network services.

10.  CONFIDENTIALITY.

10.1 "Confidential Information" means any and all confidential business
information concerning either party that is disclosed to the other party in
connection with this agreement, including all confidential information disclosed
to Client concerning Cavion technology and including the terms of this
agreement. Any confidential financial information of Client's members to which
Cavion has access as network administrator will be treated as confidential
information of Client. "Confidential information" does not include information
which the recipient can show (a) is public (other than through the recipient's
actions), (b) was rightfully disclosed to the recipient by a third party, or (c)
was independently developed by the recipient, information that is not otherwise
confidential will not be treated as confidential merely because it is disclosed
under this agreement.

10.2 Each party (and its employees and agents) (a) will use the same degree of
care (and at least a reasonable degree of care) to prevent the unauthorized
disclosure or use of confidential information as __________ to protect its own
confidential information of a similar nature, and (b) will immediately notify
the disclosing party upon discovery of any loss, unauthorized disclosure, or
unauthorized use of confidential information.

10.3 Upon termination of this agreement, or at any time upon the request of the
disclosing party, the recipient will promptly return or destroy all confidential
information in any form (including computer media), and the recipient will not
retain any copies of confidential information in any form. Notwithstanding the
proceeding sentence. Cavion may keep archival copies of network traffic as
required in Cavion's discretion for proper operation of the network. Cavion will
not be required to return or destroy those copies, but will continue to treat
them as confidential information under this section as long as they are
retained.

10.4 Any breach of this section will cause the disclosing party irreparable harm
for which it cannot be adequately compensation in damages. The disclosing party
will therefore be entitled, in addition to any remedies otherwise available, to
injunctive and other equitable relief, without posting bond, to enforce this
section and to prevent any breach of this section. The provisions of this
section will survive termination of this agreement for the longest of the
following: (a) two years, (b) in the case of archive copies or described in the
preceding subsection, any period for which Cavion retains such copies or, (c) in
the case of any trade secret, as long as such information remains a trade
secret.

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11. INDEMNITIES. Each party indemnifies the other (and its affiliates and
agents) against all loss, liability or expense (including reasonable attorney
and witness fees and expenses) arising out of any claim that materials of the
indemnifying party infringe the patent, copyright, trademark or trade _________
rights of any third party. For this purpose, "materials" of a party means any
technology or content supplied by that party for use or publication on the
network or the internet. Client Indemnifies Cavion (and its affiliates and
agents) against all loss, liability or expense (including reasonable attorney
and witness fees and expenses) arising out of any use of the network, the
network _________ or the internet by anyone to whom Client provides access, in
each case, the indemnity is subject to the conditions that:

     (a)  the indemnifying party is notified of the claim in a timely manner;

     (b)  the indemnified party provides all reasonable assistance to defend
          against the claim at the indemnifying party's expense; and

     (c)  the indemnifying party is given control of the defense and settlement.

If any materials are held or are believed by the indemnifying party to infringe,
the indemnifying party will have the option, at its expense, to (a) modify the
materials to be non-infringing, (b) obtain for the indemnified party the right
to continue using the materials, or (c) terminate the use of the materials under
this agreement. The provisions of this section will survive termination of this
agreement for a period equal to the statute of limitations governing the
indemnified claim, and will continue to apply to any claim filed within that
period.

12.  TERMS AND TERMINATION.

12.1 The term of this agreement will be for five years from the date hereof.
Thereafter, this agreement will automatically renew for additional one year
periods unless (a) terminated by either party by notice at least 60 days prior
to the renewal date, or (b) replaced by a new agreement governing access to
CU/Net and the network services.

12.2 During the first 90 days of the initial term, Client may terminate this
agreement upon notice to Cavion, if (a) Client is dissatisfied in any material
respect with the performance of CU/Net or the network services, and gives notice
to Cavion specifying the nature and circumstances of the dissatisfying
performance with as much detail as practical, and (b) Cavion (with Client's
cooperation) has not resolved the issue to Client's satisfaction within 60 days
after the notice of dissatisfaction.

12.3 Either party may terminate this agreement upon notice to the other:

     (a)  if the other party materially breaches any of its obligations under
          this agreement and such breach is not cured within 60 days after
          notice thereof; or

     (b)  if insolvency proceedings pursuant to any federal or state law are
          filed by the other party, or are filed against the other party and not
          dismissed within 60 days, if substantially all of the assets of the
          other party are transferred to an assignee for the benefit of
          creditors, a receiver or a trustee in bankruptcy; if the other party
          is adjudged bankrupt; or if the other party ceases to carry on
          business.

12.4 Termination of this agreement will not be exclusive of any other remedy
available under this agreement or applicable law. Upon termination, each party
will promptly make any payments owed to the other party. Cavion will reasonably
cooperate with Client in the transfer of Client's domain hosting. If any,
Monthly network services fees will not be prorated. Access to the network and
network services will be discontinued upon termination. Within 30 days after
termination, each party will return (or will provide reasonable access to its
facilities for the other party to retrieve) any equipment in its possession that
belongs to the other party.

13. DISPUTES. Except as otherwise agreed, any disputes concerning this agreement
will be resolved as follows:

13.1 If either party believes that a dispute cannot be resolved by informal
negotiation, the matter will be submitted to mediation. The parties will agree
upon a neutral impartial mediator experienced in the field of interactive
electronic networks. At the commencement of the mediation, the parties will
agree upon (a) a procedure for exchange of information related to the dispute,
and (b) ground rules and a schedule for conducting the proceeding before the
mediator.

13.2 If a dispute is not settled pursuant to mediation within the agreed time
period, or if any party will not participate in the mediation, the dispute will
be submitted to binding arbitration in Denver, Colorado, in accordance with the
rules of the CPR Institute for Dispute Resolution. The arbitration will be by a
single arbitrator (or, if the amount in controversy is greater than $30,000, by
three arbitrators, none of whom will be appointed by either party) experienced
in the field of interactive electronic networks. The arbitration will be
governed by the United States Arbitration Act, and judgment upon the award
damages in excess of actual damages, but will be empowered (now required) to
require any party to pay the reasonable attorney fees, expert witness fees, and
other arbitration costs of any other party.

13.3 Except as specified in section 11.4, the procedures described in this
section will be the exclusive procedures for the resolution of disputes;
provided, however, that either party may seek preliminary judicial relief in
Denver, Colorado. If in the judgment of that party such relief is necessary to
avoid irreparable damage. Despite the initiation of any such judicial
proceedings, the parties will continue to participate in good faith in the
mediation or arbitration. Any cause of action either party may have with respect
to this agreement will be barred unless it is commenced within one year after
the cause of action arises, is discovered, or should have been discovered with
the exercise of reasonable diligence.

14.  GENERAL.

15.1 The parties are independent contractors. Neither party is an agent or
partner of the other, or has the right to incur any obligation on behalf of the
other. Each party may use the other's name and trademarks only with the other's
prior written consent (except that Cavion may use Client's name in any listing
of CU/Net clients). Upon termination of this agreement, all use of such names
and trademarks will immediately be discontinued, and each party will return to
the other all promotional materials and other items bearing the other's name or
trademarks that are in its possession.

15.2 Neither party will be liable for any delay or failure in its performance
under this agreement (except for payment obligations) directly or indirectly due
to acts of _____ other party

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<PAGE>

or its agents, or to cause beyond the control of the delaying party (including
equipment failure, utility failure, casualty, emergency conditions, acts of
governmental authorities, labor disputes and acts of suppliers,
telecommunications providers or other third parties).

15.3 Notices under this agreement will be in writing and will be effective when
resolved by certified mail, overnight courier or hand delivery to the address
set forth below (as may be changed from time to time by written notice). Refusal
to accept delivery will be deemed receipt.

15.4 This agreement will be binding upon the assigns and successors in interest
of Cavion and Client. Either party may assign this agreement to an affiliate, or
as collateral for financing purposes, and Cavion may assign this agreement to a
purchaser of CU/Net, without the consent of the other party. Neither party may
otherwise assign this agreement without the other party's written consent, which
will not unreasonably be withheld.

15.5 This agreement is governed by the laws of the State of Colorado. No
provisions of this agreement may be waived or modified except in writing signed
by Client and Cavion. This agreement (including the Services Schedule as
modified by the parties from time to time) is the entire agreement between the
parties as to it subject matter, and supersedes any other communications between
the parties. This agreement may be executed in counterparts, each of which will
constitute an original. If any provision of this agreement is found to be
invalid or unenforceable, such provision will be modified (in the effected
jurisdiction) to the minimum extent required, and the remainder hereof will not
be affected.

     IN WITNESS WHEREOF, the parties have executed this Secure Network Services
Agreement as of the date written below.

MISSION CRITICAL RECOVERY    [CLIENT]    CAVION TECHNOLOGIES, INC.

By:                                     By:
   ------------------------------------    -------------------------------------
Title:                                  Title:
      ---------------------------------       ----------------------------------
Address:                                Address:
Mission Critical Recovery               Cavion Technologies, Inc.
---------------------------------------
6195-4 Lake Gray Blvd                    7475 Dakin Street, Suite 607
---------------------------------------
Jacksonville, FL 32244                   Denver, Colorado 80221-6920
---------------------------------------
Attn:  President/CEO                     Attn:  President
---------------------------------------
Fax:  904-771-7310                       Fax:  303-657-8210
---------------------------------------
Voice:  904-771-9588                     Voice:  303-657-8212
---------------------------------------

Date:
     ----------------------------------

                                       4
<PAGE>

                              SERVICES SCHEDULE TO
                                   CAVION.COM
                        SECURE NETWORK SERVICES AGREEMENT

1.   DESCRIPTION OF SERVICES

Client subscribes for the network services indicated by checking the boxes
below:

     SECURE ISP SERVICES (INCLUDES - WEB SITE HOSTING AND UNLIMITED EMAIL) This
     service provides unlimited Internet access for Client and Client's
     employees, at the bandwidth selected by Client. The service includes access
     to CU/Net, network address translation, unlimited e-mail for Client's
     employees, and (if applicable) hosting of Client's web site, Upon request.
     Cavion will register Client's domain name, and will refer Client's web site
     design to a web site design consultant.

X.   CU/NET

     With CU/NET, Client gains access to any credit union on the network. Access
     is provided, using the credit union's existing connection to CU/NET.

     SECURE FORMS SERVER
     This service enables Client's members to provide encrypted data (such as
     loan or credit applications) using online forms in a secure area of
     Client's web site, Cavion's secure forms server is firewall protected.

     SECURE INTERNET TRANSACTIONAL BANKING SERVICES
     This services enables Client's members to retrieve account information and
     perform a variety of interactive account transactions via the Internet.
     Cavion's secure transactional banking service is double firewall protected.

     INTERNET BANKING "PULL" ADVERTISING
     This service enables Client to target online advertising of specific
     services to members not currently using those services, as part of Client
     Internet Transactional Banking user interface.

     SECURE INTERNET BILL PAYMENT SERVICES
     This service enables Client's members to set up and modify online bill
     payment through a third party settlement agent, via the Internet. Cavion's
     secure internet bill payment service is firewall protected.

     KIOSK SOFTWARE
     This service allows Client to set upon remote kiosks (with hardware
     provided by a third party vendor) to provide general service information
     concerning Client, or to provide member account information and enable
     interactive account transactions.

     SHARE DRAFT PROCESSING
     This service allows Client to transmit share draft in-clearing data, via a
     secured, dedicated 128K frame relay communications circuit, to cavion.com
     for retrieval by credit unions or their processor.

                                       5
<PAGE>

2.   PRICING SUMMARY

Client agrees to pay the following fees in connection with the Secure Network
Services Agreement:

<TABLE>
<CAPTION>
                                         ONE-TIME        ANNUAL       MONTHLY
<S>                                      <C>           <C>         <C>

                          CU/NET@$12K
       Installation, Set-up, Hardware
             & CUINET Membership Fee:     Waived
     Monthly Access Charge for CU/NET                                 $940.00*
                    Connection @512K:                               plus $50 per
                                                                     CU accessed
              Total One-Time Cost For      $-0-
           Mission Critical Recovery:
                Total Annual Cost for                     $-0-
           Mission Critical Recovery:
               Total Monthly Cost for                                 $940.00*
           Mission Critical Recovery:                             (+ $50 per CU)

 Total ___________________ and Waived
                                Fees:   $15,550.00
   Total Cost Due At Contract Signing      $-0-
                                $12K:
       Half of One-_______ and Annual
                              Charges
</TABLE>

*Monthly  recurring  charges  will  begin  and be  invoiced  as  services  are
activated.

                                       6
<PAGE>

     ELECTRONIC DATA VAULTING
     This agreement reflects discounted pricing for products/services being
     provided by cavion.com to MCR. In exchange for this discount, MCR agrees
     to provide Cavion with electronic data vaulting services, at no charge, so
     long as the amount of online data files being archived does not exceed 20
     Green Bay of compressed data. If Cavion's online data archiving
     requirements exceed 20 GB will prepare a proposal, for Cavion's
     consideration, specifying the cost of any needed data archiving capability
     above the 20 GB provided at no charge under this agreement.

                                       7
<PAGE>

                             EQUIPMENT SCHEDULE TO
                                   CAVION.COM
                        SECURE NETWORK SERVICES AGREEMENT

      Client's set-up fees described in the Services Schedule include purchase
of the equipment described below:

      CU/NET @ 512K:
            Cisco 1601 Dual Ethernet/Serial Router
            Cisco Power Cord, 110V
            Cisco 1600 Series IOSIP Plus
            Cisco 8MP to 10 MB DRAM Upgrade
            V.35 Cable, DTE Male to Smart Serial, 10 Ft.

                                       8<PAGE>

Agreement No. __________                         Effective Date: January 9, 2000

                               SERVICES AGREEMENT

BETWEEN:
Engage Technologies, Inc.     And: Legal Company Name: Cavion Technologies, Inc.
100 Brickstone Square              d/b/a cavion.com ("Customer")
Andover, MA  01810                 Customer Contact: Dan Dudley
                                   Title: VP Affinity Products and Services
("Engage")                         Address: 7475 Dakin Street, Denver CO 80221
                                   Telephone: 303-412-3177
Sales Person:                      Fax: 303-857-8210
Gary Zucker                        Email: ddudley@cavion.com

     Customer contracts for and Engage agrees to provide, on the terms and
     conditions set forth in this Services Agreement the Services identified
     below:

<TABLE>
<CAPTION>
---------------------------------------------------------------------------- -------------------- --------------------
SELECTIONS                                                                   ONE-TIME FEE         RECEIVING FEE
---------------------------------------------------------------------------- -------------------- --------------------
<S>                                                                          <C>                  <C>
X  AdBureau Service (Attachment A)                                                                See Fee Schedule
                                                                                                  (next page)
---------------------------------------------------------------------------- -------------------- --------------------
X  Set-up and Initial on site Training                                       $5,400

---------------------------------------------------------------------------- -------------------- --------------------
X  Support Services (Attachment B)                                                                As    provided   in
                                                                                                  Attachment B
---------------------------------------------------------------------------- -------------------- --------------------
X  AudienceNet (Attachment C)                                                                     As    provided   in
                                                                                                  Attachment C
---------------------------------------------------------------------------- -------------------- --------------------
X  Global Behavior Profile Option* (Attachment D)                                                 As    provided   in
*Requires  participation  in ProfileNet or  contribution of Visitor Data as                       Attachment D
per Attachment D
---------------------------------------------------------------------------- -------------------- --------------------
Geographic Use:  United States

---------------------------------------------------------------------------- -------------------- --------------------
Domain Names:  Customer  shall provide  Engage with advance  written notice
of the Domain Names.
---------------------------------------------------------------------------- -------------------- --------------------
</TABLE>

     Customer acknowledges that the Attachments marked with an "X" above (and
     only those Attachments) are incorporated into and from part of this
     Agreement, and that General Terms and Conditions apply to all Attachments
     of this Agreement. This Agreement is not valid until accepted by Engage.

                                             Engage:         Customer:
                                                    -------           -------
                                                    INITIALS          INITIALS

<PAGE>

                                  FEE SCHEDULE

BASE SERVICE:

<TABLE>
<CAPTION>
              ------------------------------------------------------
                                    ADBUREAU
              -------------------------------- ---------------------
                  AD INSERTIONS PER MONTH          MONTHLY FEE
              -------------------------------- ---------------------
<S>                                            <C>
              0-999,999                        +$1.50 CPM*
              -------------------------------- ---------------------
              1,000,000 - 4,999,999            +$1.25 CPM
              -------------------------------- ---------------------
              5,000,000 - 9,999,999            +$1.00 CPM
              -------------------------------- ---------------------
              10,000,000 - 19,999,999          +$0.85 CPM
              -------------------------------- ---------------------
              20,000,000 - 29,999,999          +$0.55 CPM
              -------------------------------- ---------------------
              30,000,000 - 39,999,999          +$0.45 CPM
              -------------------------------- ---------------------
              40,000,000 - 49,999,999          +$0.30 CPM
              -------------------------------- ---------------------
              50,000,000 - and higher          +$0.25 CPM
              -------------------------------- ---------------------
</TABLE>

AdBureau Setup

-    Provides Oracle databases with daily hot (online) backup.
-    Minimum monthly fee is $800. Customer will pay the greater of the minimum
     monthly fee or the ad insertions per month CPM net of the house ad
     adjustments.
-    Setup fee is $2,400.
-    Onsite training for up to three people $3,000.

AdBureau prices assume an average individual ad size of 12 KB. If a customer's
average individual ad size, based upon a full calendar month exceeds 12 KB, (not
including any ads provided by Engage) the customer's monthly fee for such
calendar month shall be increased by a percentage equal to the percentage
increase of the average file size above 12KB.

For AdBureau, the monthly fee will be reduced by a percentage equal to the
percentage of total advertisements in a calendar month that are House Ads, as
specified in Attachment A, Section A-6; provided, however that the percentage
reduction shall not be greater than 20%.

* Note:     All CPM pricing is based on an accumulated decreasing scale.

                                       2
<PAGE>

                          GENERAL TERMS AND CONDITIONS

1. DEFINITIONS. Defined terms in this Agreement are capitalized and have the
meanings indicated in the Appendix attached hereto.

2. RIGHT TO USE SERVICES. Customer's right to use the Services is set forth in
the applicable Attachment(s).

3. RESTRICTIONS ON USE OF SOFTWARE AND SERVICES. Customers use of the Software
and Services is subject to the following restrictions. Except as expressly
permitted in this Agreement, Customer shall not, and shall not permit others to,
(a) use, modify, copy, or otherwise reproduce the Software or Services in whole
or in part; (b) reverse engineer, decompile, disassemble, or otherwise attempt
to derive the source code form or structure of the Software; or (c) distribute,
sublicense, assign, share, timeshare, sell, rent, lease, grant a security
interest in, use for Service Bureau purposes, or otherwise transfer the Software
or Services or Customers right to use the Software or Services. All rights not
expressly granted to Customer are reserved by Engage. There are no implied
rights.

4.   CORE SERVICES.

     (a)  Engage shall provide the Services to Customer through Engage's Site.

     (b)  Engage shall create, administer and maintain at Engage's Site a
          database consisting exclusively of Customer Data. Customer shall be
          solely responsible for setting the criteria for all Ad Insertions.
          Engage shall use commercially reasonable efforts to ensure Engage's
          Site and the Data Repository is operational 24-hours per day, 365 days
          per year. From time to time, however, and as may be necessary to
          maintain the proper operation of Engage's Site and the Data
          Repository, Engage may take its servers down for repairs, upgrades or
          routine maintenance. Engage will use commercially reasonable efforts
          to minimize the impact of such operations, provided that Engage shall
          have no obligation during performance of such operations to mirror
          Customer Data on any other server or to transfer Customer Data to any
          other server. Engage shall have no obligation with respect to Downtime
          except to restore service as soon as possible using commercially
          reasonable efforts.

     (c)  Engage shall create back-ups of Customer Content in the course of
          Engage's routine back up of the collective content of its servers.
          Engage shall have no duty to individually catalog or back up Customer
          Data. Engage reserves the right to retain only the most current
          back-ups, and to erase or otherwise dispose of all other back-ups at
          any time. Engage shall maintain back-ups in a secure location, other
          than the location of Engage's Site, or in a fire-resistant safe.

5.   TERM OF AGREEMENT, TERMINATION.

     (a)  This Agreement shall commence upon the Effective Date and, unless
          terminated in accordance with subsection (b), (c), or (d) below, shall
          continue in effect for an initial term of one year, and shall
          automatically renew for successive one-year periods (each a "renewal
          Term") unless notice of non-renewal is given by either party to the
          other party at least thirty (30) days prior to the expiration of the
          initial term or any renewal term provided that AudienceNet services
          shall have the term stated in ATTACHMENT C.

     (b)  Customer nay terminate the relevant portion of this Agreement if the
          AdBureau Service is being purchased hereunder and Customer enters into
          a substitute agreement with Engage to license AdManager Customer may
          also terminate this agreement upon 30 days prior written notice if

     (c)

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<PAGE>

          (i)  the Software or the Services are finally determined by a court to
               infringe any copyright, patent, trademark, trade secret, or other
               proprietary right; or

          (ii) the Services experience a Downtime of greater than 48 consecutive
               hours or 72 hours in any single calendar month;

     (d)  Either party may terminate this Agreement in the event of a material
          breach of this Agreement by the other party that is not cured within
          thirty (30) days of written notice thereof from the other party.
          Without limitation, the following events shall constitute a material
          breach: violation by Customer of the terms of the right or license
          granted in any Attachment, failure by Customer to pay any amount when
          due, and violation by either party of the confidentiality duties set
          forth in Section 14 hereof.

     (e)  This Agreement shall automatically terminate if either party ceases
          doing business, is the subject of a voluntary bankruptcy, insolvency
          or similar proceeding, is the subject of an involuntary state or
          federal bankruptcy, insolvency, or similar proceeding that is not
          dismissed within sixty (60) days of filing, makes an assignment for
          the benefit of creditors, or becomes unable to pay its debts when due,

6.   EFFECT OF TERMINATION OR EXPIRATION.

     (a)  Each party shall immediately surrender all rights, licenses, and
          privileges granted under this Agreement.

     (b)  Each party shall promptly pay to the other any amounts due and owing.
          No termination of this Agreement shall release Customer from any
          obligation to pay Engage any amount that has accrued prior to the date
          of termination.

     (c)  Each party shall immediately cease using and return all property in
          its possession belonging to the other party, including without
          limitation all Software, Documentation, and tangible embodiments of
          Confidential Information.

          Customer shall not, in advertising or otherwise, use or display any of
          Engage's trademarks or any name, mark, or logo that is the same as or
          similar to Engage's trademarks, represent itself to be a licensee of
          Engage, or in any way identify itself with Engage without the written
          consent of Engage.

     (d)  Engage shall not, in advertising or otherwise, use or display any of
          Customer's trademarks or any name, mark, or logo that is the same as
          or similar to Customer's trademarks, represent itself to be a licensee
          of Customer, or in any way identify itself with Customer without the
          written consent of Customer.

     (e)  Customer shall not be entitled to a refund, in whole or in part, of
          any amounts paid hereunder, other than in accordance with Section 10.

     (f)  Sections 3, 6, 8, 10, 11, 12(f), 13, 14, and 15 hereof, together with
          Customer's obligation to pay outstanding amounts due Engage, will
          survive termination or expiration of this Agreement.

7.   PAYMENTS AND OTHER CHARGES.

     (a)  All fees shall be paid in U.S. dollars and shall be made to Engage at
          the address set forth on the Cover Page.

                                       4
<PAGE>

     (b)  Customer agrees to pay all invoices within 30 days after the invoice
          date. Engage shall invoice Customer for all recurring fees listed on
          the Cover Page on a monthly basis in arrears. Upon execution of the
          Agreement, Engage shall invoice Customer for all one-time fees.

     (c)  A finance charge in an amount equal to one and one-half percent (1.5%)
          per month or, if lower, the maximum rate allowed by law will be
          assessed on payments not received by Engage on or prior to the due
          date.

     (d)  Each Party agrees to pay when due all sales, use, property, excise,
          and other similar taxes resulting from this Agreement, with respect to
          such party.

     (e)  Except as expressly stated herein, the amount and structure of all
          fees and rates may be adjusted for subsequent renewal Terms if Engage
          notifies Customer at least sixty (60) days prior to beginning of such
          the renewal Term.

8.   PROPRIETARY RIGHTS.

     (a)  ENGAGES INTELLECTUAL PROPERTY. Engage and its licensors shall have
          sole and exclusive ownership of all right, title, and interest in and
          to the Software and Documentation, including all associated
          intellectual property rights. Customer acknowledges that the Software,
          including associated screen displays and menu features, constitutes
          the valuable trade secrets of Engage or its licensors and are
          copyrighted works owned by Engage or its licensors and protected by
          federal and international copyright laws. Customer shall not permit
          any personnel to remove any proprietary or other legends or
          restrictive notices contained or included in any materials provided by
          Engage.

     (b)  CUSTOMER DATA. Customer shall retain and exclusively own whatever
          rights it has in any Customer Data, and shall have the exclusive right
          to use and distribute such Customer Data, Customer hereby grants to
          Engage the non-exclusive right to so use Customer data only (i) during
          the term of this Agreement to the extent that Engage must use and
          distribute Customer Data to discharge its duties under this Agreement,
          (ii) as stated in Attachment C, Section C-2(c), if applicable.

     (c)  PUBLICITY. NEITHER PARTY SHALL MAKE ANY PUBLIC STATEMENTS OR
          DISCLOSURES ABOUT THIS AGREEMENT OF THE TERMS OF THIS AGREEMENT
          WITHOUT THE PRIOR WRITTEN CONSENT OF THE OTHER PARTY.

9. INITIAL SET-UP; TRAINING; SUPPORT; OTHER SERVICES. The Customer Contact and
other persons identified by Customer shall attend a scheduled class, during
which Engage shall train the Customer Contact and other persons identified by
Customer in the techniques necessary for Customer to operate the Services.
Promptly thereafter, Customer shall create a new DNS record for each Customer
Site that points to "AdBureau[name chosen by Customer].com," and Engage shall
perform any initial set-up required at the Customer Sites for operating the
Services. Ongoing support services shall be provided by Engage in accordance
with the terms set forth in ATTACHMENT B.

10. ENGAGE'S DUTY OF INDEMNIFICATION. Engage agrees to defend, indemnify and
hold Customer harmless against any and all damages, costs, liabilities, expenses
(including court costs and attorneys' reasonable fees) and settlement amounts
incurred in connection with any suit, claim, or action by any third party
alleging that (i) the Software or Service infringes any copyright, patent,
trademark, trade secret, or other proprietary right, or (ii) the Services or
Engage's use or disclosure of any Profile, Visitor Data, or other data relating
to the Services violate the law or other third party's rights (but excluding
claims for which Customer is obligated to defend Engage under Section 11)
provided that (a) Customer notifies Engage promptly in writing of the claim, (b)
Engage has sole control of the defense and all related settlement negotiations,
and (c) Customer provides Engage with all commercially reasonable assistance,
information and authority to perform the above at Engage's expense. In the

                                       5
<PAGE>

event that Customer's use of the Software or Services is enjoined by a court of
competent authority, Engage shall, at its sole option and at its expense,
either: (i) procure for Customer the right to use the Software or Services or
(ii) modify the Software or Services to avoid infringement without material
impairment of its functionality or (iii) if neither of the foregoing remedies
can be obtained upon commercially reasonable terms, require Customer to cease
using the Software or Services, in which case Engage shall refund all amounts
paid by Customer hereunder the foregoing indemnity shall not apply if the
alleged infringement is attributable to the combination of the Software and/or
Services and products not provided by Engage, or if the Software or Services are
modified or altered by any person or entity other than Engage, or if the
Software or Services are used outside the scope of this Agreement. THIS SECTION
STATES ENGAGE'S SOLE LIABILITY HEREUNDER WITH RESPECT TO INFRINGEMENT OF ANY
INTELLECTUAL PROPERTY AND PROPRIETARY RIGHTS.

11. CUSTOMER'S DUTY OF INDEMNIFICATION. Customer agrees to defend and/or settle,
indemnify and hold harmless Engage from and against any claim brought by a third
party against Engage and any liability, damage or expense (including court costs
and attorneys' reasonable fees) and settlement amounts incurred in connection
with any suit, claim, or action by any third party (i) alleging that Customers
use or disclosure of any Profile, Visitor Data, or other data relating to the
Services violate the law or other third party's rights or (ii) arising from
Customers Sites (but excluding claims for which Engage is obligated to defend
Customer under Section 10) and Customer shall pay all costs, expenses, damages
or settlement amounts to the extent based on such a third-party claim, provided
that (a) Engage notifies Customer promptly in writing of the claim, (b) Customer
has sole control of the defense and all related settlement negotiations, and (c)
Engage provides Customer with all commercially reasonable assistance,
information and authority to perform the above at Customer's expense.

12.  REPRESENTATIONS; LIMITED WARRANTY.

     (a)  Engage represents and warrants to Customer that (i) Engage has full
          power and authority to (A) enter into this Agreement, (B) perform the
          Services (including the right to use the Software required to perform
          the Services), and (C) grant the right and license provided for
          herein, and (ii) this Agreement has been duly authorized and, executed
          by Engage and constitutes a valid, binding and legally enforceable
          agreement of Engage.

     (b)  Customer represents and warrants to Engage that (i) Customer has full
          power and authority to enter into this Agreement and (ii) this
          Agreement has been duly authorized, and executed by Customer and
          constitutes a valid, binding and legally enforceable agreement of
          Customer.

     (c)  Engage represents and warrants that the services provided by Engage in
          connection with this Agreement will be rendered by qualified personnel
          and consistent with commercial practices standard in the industry.

     (d)  Engage represents and warrants that it shall use best efforts to
          ensure that the Software and Services will manage and manipulate data
          involving dates in material conformity with the Documentation before,
          during and after the year 2000. Engage disclaims responsibility for
          the date-related and other performance of hardware, software,
          telecommunications facilities and other materials not owned and
          originally supplied by Engage.

     (e)  Engage represents and warrants that it will use commercially
          reasonable efforts to resolve programming errors in the Software and
          Services to make the Software and Services function in material
          conformity with the Documentation. This Warranty does not apply if
          Customer or any third party changes or modifies the Software or
          Services without the authorization of Engage. Engage does not warrant
          that the Software or Services will be error free or that all errors
          can be remedied.

     (f)  THE EXPRESS WARRANTIES GRANTED UNDER THIS AGREEMENT ARE THE ONLY
          WARRANTIES MADE BY ENGAGE WITH RESPECT TO THE SOFTWARE AND SERVICES,
          EXPRESS OR IMPLIED, AND THEY ARE MADE IN LIEU OF ALL OTHER

                                       6
<PAGE>

     WARRANTIES OR REMEDIES. ENGAGE HEREBY EXPRESSLY DISCLAIMS ALL IMPLIED
     WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
     NON-INFRINGEMENT, AND WARRANTIES ARISING BY STATUTE OR OTHERWISE IN LAW OR
     FROM A COURSE OF DEALING OR USE OF TRADE, AS TO ANY MATTER, INCLUDING BUT
     NOT LIMITED TO, FEATURES OR CAPABILITIES OF THE SOFTWARE, SERVICES,
     ENGAGE'S COMPUTERS AND SERVERS, INFORMATION, REPORTS, OR OTHER MATTERS
     PRODUCED OR PROVIDED IN CONNECTION WITH THIS AGREEMENT. IN ADDITION TO AND
     WITHOUT LIMITATION OF THE FOREGOING, ENGAGE SPECIFICALLY DOES NOT WARRANT,
     GUARANTEE, OR MAKE ANY REPRESENTATIONS OTHER THAN AS SET FORTH IN SECTION
     12(c)-(e) REGARDING THE USE, OR THE RESULTS OF THE USE, OF ANY SOFTWARE OR
     SERVICE OR FEATURE OR CAPABILITY OF ANY SOFTWARE OR SERVICE, IN TERMS OF
     CORRECTNESS, ACCURACY, RELIABILITY, CURRENTNESS, SECURITY, OR OTHERWISE.
     ENGAGE EXPRESSLY DISCLAIMS ANY WARRANTY WITH RESPECT TO THE QUALITY OR
     CONTINUITY OF THIRD-PARTY TELECOMMUNICATION OR INFORMATION SYSTEMS OR
     SERVICES, SERVER CONNECTION SPEEDS, OR THE FUNCTIONALITY, OPERABILITY, OR
     RELIABILITY OF ENGAGE'S OR ANY THIRD PARTY'S DATA SECURITY FEATURES OR
     SYSTEMS. THIS DISCLAIMER OF WARRANTY CONSTITUTES AN ESSENTIAL PART OF THIS
     AGREEMENT.

13. LIMITATION OF LIABILITY. EXCEPT AS PROVIDED IN THIS SECTION, CUSTOMER'S SOLE
REMEDY AND ENGAGE'S SOLE OBLIGATION WITH RESPECT TO ANY CLAIMS, WHETHER IN
CONTRACT, TORT (INCLUDING NEGLIGENCE AND PRODUCT LIABILITY) OR OTHERWISE,
ARISING OUT OF, CONNECTED WITH, OR RESULTING FROM THIS AGREEMENT SHALL BE
GOVERNED BY THIS AGREEMENT, AND IN ALL CASES CUSTOMER'S REMEDY SHALL BE LIMITED
TO MONEY DAMAGES NOT EXCEEDING THE FEES PAID TO ENGAGE BY CUSTOMER FOR THE
TWELVE-MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO SUCH DAMAGES.
WITHOUT LIMITING THE FOREGOING, IT IS EXPRESSLY AGREED THAT IN NO EVENT SHALL
ENGAGE OR ITS SUPPLIERS OR ANYONE ELSE WHO HAS BEEN INVOLVED IN THE PERFORMANCE
OF THIS AGREEMENT ON BEHALF OF ENGAGE, INCLUDING ITS EMPLOYEES, AGENTS,
PARTNERS, REPRESENTATIVES, OR SUBCONTRACTORS, BE LIABLE FOR ANY (A) DAMAGES
CAUSED BY CUSTOMER'S FAILURE TO PERFORM ITS OBLIGATIONS UNDER THIS AGREEMENT,
(B) INDIRECT, INCIDENTAL, SPECIAL, RELIANCE, EXEMPLARY, COVER OR CONSEQUENTIAL
DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS OR REVENUE, LOST BUSINESS
OPPORTUNITIES, LOST SAVINGS, LOST DATA, LOSSES CAUSED BY DELAY OR THE DOWNTIME
OF ENGAGE COMPUTERS OR SERVERS, OR LOSSES FROM INTERRUPTION, TERMINATION, OR
FAILED OPERATION OF THE INTERNET OR THIRD PARTY TELECOMMUNICATION SERVICES, EVEN
IF ENGAGE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, (C) CLAIMS
AGAINST CUSTOMER BY ANY THIRD PARTY EXCEPT AS PROVIDED IN SECTION 10, OR (D)
DAMAGES, INCLUDING PRODUCT LIABILITY DAMAGES, CAUSED BY ANY NONENGAGE PRODUCT.
THE FOREGOING LIMITATIONS SHALL NOT APPLY TO ENGAGE'S DUTY OF INDEMNIFICATION
UNDER SECTION 10. CUSTOMER RECOGNIZES THAT THE FEES HEREUNDER ARE BASED IN PART
ON THE LIMITED WARRANTY AND LIMITATION OF LIABILITY AND REMEDIES SET FORTH
HEREIN. THE FOREGOING LIMITATION SHALL NOT APPLY TO ACTS OR OMISSIONS
CHARACTERIZED BY GROSS NEGLIGENCE OR WILLFUL MISCONDUCT.

14. (b) EXCEPT AS PROVIDED IN THIS SECTION, ENGAGE'S SOLE REMEDY AND CUSTOMER'S
SOLE OBLIGATION WITH RESPECT TO ANY CLAIMS, WHETHER IN CONTRACT, TORT (INCLUDING
NEGLIGENCE AND PRODUCT LIABILITY) OR OTHERWISE, ARISING OUT OF, CONNECTED WITH,
OR RESULTING FROM THIS AGREEMENT SHALL BE GOVERNED BY THIS AGREEMENT, AND IN ALL
CASES ENGAGE'S REMEDY SHALL BE LIMITED TO MONEY DAMAGES NOT EXCEEDING THE FEES
PAID TO ENGAGE BY CUSTOMER FOR THE TWELVE-MONTH PERIOD

                                       7
<PAGE>

IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO SUCH DAMAGES. WITHOUT LIMITING
THE FOREGOING, IT IS EXPRESSLY AGREED THAT IN NO EVENT SHALL CUSTOMER,
CUSTOMER'S CLIENTS, OR THEIR SUPPLIERS OR ANYONE ELSE WHO HAS BEEN INVOLVED IN
THE PERFORMANCE OF THIS AGREEMENT ON BEHALF OF CUSTOMER, INCLUDING ITS
EMPLOYEES, AGENTS, PARTNERS, REPRESENTATIVES, OR SUBCONTRACTORS, BE LIABLE FOR
ANY DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL, RELIANCE, EXEMPLARY,
COVER OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS OR
REVENUE, LOST BUSINESS OPPORTUNITIES, LOST SAVINGS, LOST DATA, LOSSES. THE
FOREGOING LIMITATIONS SHALL NOT APPLY TO CUSTOMER'S DUTY OF INDEMNIFICATION
UNDER SECTION 11. THE FOREGOING LIMITATION SHALL NOT APPLY TO ACTS OR OMISSIONS
CHARACTERIZED BY GROSS NEGLIGENCE OR WILLFUL MISCONDUCT.

15. CONFIDENTIALITY. Each party acknowledges that by reason of its relationship
to the other party under this Agreement it may have access to Confidential
Information. Each party agrees to maintain in confidence and use only as
expressly permitted in this Agreement all Confidential Information received from
the other, both orally and in writing, provided that the parties' obligations of
non-disclosure under this Agreement shall not apply to Confidential Information
which the receiving party can demonstrate: (i) is or becomes a matter of public
knowledge through no fault of the receiving party; (ii) was rightfully in the
receiving party's possession prior to disclosure by the disclosing party; (iii)
subsequent to disclosure, is rightfully obtained by the receiving party from a
third party in lawful possession of such Confidential Information, (iv) is
independently developed by the receiving party without reference to Confidential
Information; or (v) is required to be disclosed by law. Each party may seek
equitable relief (as well as money damages) to protect its interests under this
Section.

16. AUDIT. Engage hereby grants to Customer the night to designate a certified
public accountant to inspect Engage's records relating solely to the Ad
Insertions, provided that such accounting firm will hold such records in
confidence except as necessary to report to both parties on the accuracy of the
calculation of the fees. Engage's determination of fees due under this Agreement
will be deemed conclusive unless, within 18 months after the date of payment
(including after the expiration or termination of this Agreement), Customer
objects in writing to such payment, such objection to be based only upon
documented evidence produced in the review by the accounting firm. If an
inspection shows that Engage's calculation of the fees has understated the
amount payable by Customer by more than 10% for any calendar year, Engage will
pay, in addition to the amount due, (i) the accounting firm's fees (provided
that such fees are reasonably incurred), and (ii) interest on the amount that
Customer should not have been required to pay at a rate of 12% per annum.
Customer agrees to give Engage at least fifteen days written notice of its
intention to have Engage's records audited and further agrees to limit the
number of audits to no more than one per year (commencing and based on the
Effective Date of this Agreement).

17.  MISCELLANEOUS.

     (a)  ASSIGNMENT. Except as provided in this Section, Customer may not
          sublicense, assign (by operation of law or otherwise) or otherwise
          transfer this Agreement or any license or any right, duty or
          obligation under this Agreement without Engage's prior written
          consent, and any attempt to do so shall be null and void. Cavion in
          its sole discretion may assign transfer this Agreement (i) to an
          affiliate, (ii) a subsidiary, (iii) to its successor in connection
          with a merger, acquisition or consolidation, or iv) the purchaser in
          connection with the sale of all or substantially all of Customers
          assets; provided that such affiliate, subsidiary, successor or
          purchaser shall agree in writing to assume this Agreement. Subject to
          the foregoing limitations, this Agreement will mutually benefit and be
          binding upon the parties, their successors and assigns.

     (b)  EXPORT CONTROL. Customer acknowledges that the export of any Software
          is or may be subject to export or import control and Customer agrees
          that any Software or the direct or indirect product thereof will not
          be exported (or re-exported from a country of installation) directly
          or indirectly, unless Customer obtains all necessary licenses from the
          U.S. Department of Commerce or other agency as required by law.

                                       8
<PAGE>

     (c)  U.S. GOVERNMENT RESTRICTED RIGHTS. Use, duplication, or disclosure of
          the Software or Services by the U.S. government is subject to the
          restrictions set forth in subparagraph (C)(1)(ii) of the Rights in
          Technical Data and Computer Software clause at DFARS 252.227-7013, and
          subparagraphs (C)(1) and (2) of the Commercial Computer
          Software-Restricted Rights at 48 CFR 52.227-19, as applicable.

     (d)  INDEPENDENT CONTRACTORS. Nothing in this Agreement shall be construed
          to imply a joint venture, partnership or agency relationship between
          the parties; Engage shall be considered an independent contractor when
          performing any services in connection with this Agreement.

     (e)  NOTICES. Any notice required to be provided pursuant to this Agreement
          shall be in writing and shall be deemed given (a) by hand delivery,
          upon receipt thereof (b) if mailed, three (3) days after deposit in
          the U.S. mails, postage prepaid, registered or certified mail, return
          receipt requested; or (c) if sent via facsimile to the number provided
          on the cover page upon completion of transmission, as verified by a
          printout showing satisfactory transmission, except that should a
          facsimile be sent on a non-business day, receipt shall be deemed to
          occur on the next business day. All notices shall be addressed to the
          parties at the respective addresses indicated herein. If Customer is
          located in a country other than the U.S., all notices shall be sent by
          facsimile. Each party shall promptly notify the other party of any
          address change. Any message sent via email shall not constitute notice
          under this agreement.

     (f)  WAIVER. A failure or delay by either party to enforce any right under
          this Agreement shall not at any time constitute a waiver of such right
          or any other right, and shall not modify the rights or obligations of
          either party under this Agreement. Any waiver by either party of any
          right under this Agreement shall not constitute a waiver of such right
          in the future. All rights and remedies evidenced hereby are in
          addition to and cumulative to rights and remedies available at law or
          equity or otherwise available under any other contract.

     (g)  SEVERABILITY. If any provision or portion of this Agreement is held to
          be unenforceable or invalid, the remaining provisions and portions
          shall nevertheless be given full force and effect, and the parties
          agree to negotiate, in good faith, a substitute valid provision which
          most nearly effects the parties' intent in entering this Agreement.

     (h)  FORCE MAJEURE. Force Majeure. Failure of either party to perform, in
          whole or in part, when due, if occasioned in whole or in part by any
          act of God, act of governmental authority, fire, explosion, shortage
          or failure of supply of materials or labor (including without
          limitation the loss, illness, injury or incapacity of key employees),
          or any other occurrence, act, course or thing beyond the reasonable
          control of that party, shall excuse that party from its obligation to
          perform when due and shall suspend its performance until such time as
          its performance can reasonably be undertaken; provided however that
          this subsection shall not apply to failure to make monetary payments
          when due. The applicable party shall have no obligation or liability
          in any amount arising out of or in connection with such failure.

     (i)  GOVERNING LAW Governing Law. This Agreement shall be governed by and
          construed under the laws of the Commonwealth of Massachusetts, without
          regard to principles of conflicts of laws. Application of the U.N.
          Convention of Contracts for the International Sale of Goods is
          expressly excluded.

     (j)  ENTIRE AGREEMENT. This Agreement, including the Appendix and all
          Attachments, is the entire agreement of the parties, and supersedes
          all prior agreements and communications, whether oral or in writing,
          between the parties with respect to the subject matter of this
          Agreement. Except as expressly provided herein, no amendment or
          modification of this Agreement shall be effective unless made in
          writing and signed by Engage and Customer. If there is any conflict
          between the

                                       9
<PAGE>

          provisions of the General Terms and Conditions and any Attachment, the
          provisions of the Attachment shall control.

     (k)

     (l)  COUNTERPARTS. This Agreement may be executed in two or more
          counterparts, each of which shall be deemed an original and all of
          which together shall constitute one instrument.

          (i)   GOVERNING LAW. This Agreement shall be governed by and construed
                under the laws of the Commonwealth of Massachusetts, without
                regard to principles of conflicts of laws. Application of the
                U.N. Convention of Contracts for the International Sale of Goods
                is expressly excluded.

          (ii)  ENTIRE AGREEMENT. This Agreement, including the Appendix and
                all Attachments, is the entire agreement of the parties, and
                supersedes all prior agreements and communications, whether
                oral or in writing, between the parties with respect to the
                subject matter of this Agreement. Except as expressly
                provided herein, no amendment or modification of this
                Agreement shall be effective unless madei n writing and
                signed by Engage and Customer, if there is any conflict
                between the provisions of the General Terms and Conditions
                and any Attachment, the provisions of the Attachment shall
                control.

          (iii) COUNTERPARTS This Agreement may be executed in two or more
                counterparts, each of which shall be deemed an original and all
                of which together shall constitute on instrument.

     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed by their duly authorized representatives.

ENGAGE TECHNOLOGIES, INC.                    COMPANY CAVION TECHNOLOGIES, INC.

By:                                          By:
   ------------------------------------         -------------------------------
   Signature                                    Signature

   ------------------------------------         -------------------------------
   Printed Name                                 Printed Name

   ------------------------------------         -------------------------------
   Title                                        Title

                                       10
<PAGE>

                                                                        APPENDIX
                                   DEFINITIONS

"ADBUREAU SERVICE" means (i) the service provided at Engage's Site, that allows
remote use of AdManager (with Global Behavior Profile option, if elected on the
cover page) by Customer and other customers of Engage as more fully described in
Attachment A and (ii) any related Documentation,

"ADBUREAU SITE" means the Web site server and collection of pages operated by or
under the control of Engage, through which AdManager is made accessible to
Customer and other customers of Engage.

"AD INSERTION" means the software-automated process performed by AdManager,
which results in the insertion of an advertising image into a page at a Customer
Site.

"ADMANAGER" means the current release of Engage's AdManager software.

"AGREEMENT" means this Services Agreement, together with the Appendix and all
Attachments designated on the Cover Page.

"CAMPAIGN ORDER" has the meaning defined in Section C-1.

"CLASSIFY SOFTWARE" means the release (in object code form) of Engage's Classify
software that is current as of the Effective Date, any Updates thereto, and
related Documentation.

"CONFIDENTIAL INFORMATION" means the Documentation, the terms of this Agreement,
Customer Data, and any other non-public information or materials that, if
disclosed in written form, is labeled "confidential" or, disclosed orally, is
identified as confidential prior to disclosure and submitted to the other party
within thirty (30) days in a writing labeled "confidential."

"CORE SERVICES" means the services set forth in Section 4.

"COVER PAGE" means the first two pages of this Agreement.

"CPM" means cost per thousand

[This term is not used] "CUSTOMER CONTACT" means the person specified on the
Cover Page and such other person(s) as Customer may designate from time to time
as the primary contact(s) available to Engage for coordinating the performance
of each party's duties under this Agreement.

"CUSTOMER CONTENT" means collectively all advertising images, advertising
campaigns, advertising reports, and any other material uploaded by Customer in
accordance with this Agreement and residing on the AdBureau Site.

"CUSTOMER DATA" means Customer Content and all data derived through Customer's
use of the Services (including Profiles and Visitor Data) pursuant to this
Agreement other than the data minimally required and retained by Engage for its
internal financial purposes such as billing, auditing, forecasting and
determining Engage's tax and other liabilities to its creditors, shareholders
and governmental authorities.

"CUSTOMER SITE(S)" means the collection of pages operated by or under the
control of Customer within the specified Domain Name(s). Customer Sites shall
only include user customized home pages and pages designated by Customer as
"Member Emporium TM," and shall not include any banking Web pages.

"DATA" means the past, present and future compilation of "clickstream" data
generated by user activity on the web, as well as such data itself, within the
Data Repository.

"DATA REPOSITORY" means the proprietary global repository of Data compiled and
maintained by Engage.

                                       11
<PAGE>

"DOCUMENTATION" means end user materials, in any form or medium, provided by
Engage for use with the Software or Services.

"DOMAIN NAMES" means the addresses of URL's of particular sites on the Internet
or an intranet hosted and operated by Customer and identified on the Cover Page,
including but not limited to sites that are hosted by Customer for third
parties.

"DOWNTIME" means the interruption or failed initiation of services caused by the
operational failure of a computer, or of a system transmitting or receiving
information from a computer.

"DSSERVER"  means  the  current  release  of  Engage's   DecisionSupportServer
software.

"EFFECTIVE DATE" means the effective date indicated on the Cover Page.

"ENGAGE'S SITE" means, as applicable, the AdBureau Site.

"GLOBAL BEHAVIOR PROFILE" means a unique record, resident in the Data Repository
that characterizes the behavior of a web browser on the worldwide web.

"HOUSE AD" means an advertising image that serves as a default image for
display in the event that the Ad Insertion process does not result in
selection and display of an advertising image with respect to which Customer
derives income or other economic benefit from a third-party advertiser. House
Ads may not be bartered ads from any other site.

"HTML TAG" means a character sequence in the hypertext markup language that a
web browser interprets as a specific instruction for the formatting of a web
page.

"INVENTORY" has the meaning defined in Section C-1.

(I have deleted this definition and replaced ft with the definition of Ads
Served. The charge should be for ads served, not HTML page views.)

"RENEWAL TERM" means each successive one-year term of this Agreement as provided
in Section 5(a).

"PERSONAL INFORMATION" means the name, personal identity, phone number, mailing
address, and social security number of a person.

"PROFILE" means a set of Data associated with a unique web browser, which Data
provides a demographic and interest description of such web browser.

"SERVICE BUREAU" means a person or entity that uses the Services to deliver a
data profile, report or other materials to a third party.

"SERVICES" means one or more of the following services, as specified on the
Cover Page, the AdBureau Service or the Engage KnoWedge Global Profile Service.

"SOFTWARE" means the Classify Software and one or more of the following software
products available for use through the Services: AdManager, OSServer, and
ProfileServer.

"VISITOR DATA" means "clickstream" data generated by a web browsers http
requests and posts, IP address information and referral URL information, as well
as demographic and/or other registration information voluntarily provided by a
visitor to a Customer Site. Engage does not collect and store Personal
Information.

                                       12
<PAGE>

                                                                    ATTACHMENT A
                                ADBUREAU SERVICE

A-1. GRANT OF RIGHTS SERVICE PROVIDED. Subject to the terms and conditions of
this Agreement. Engage grants Customer a non-exclusive, nontransferable right
(except as proved in Section 15(a) of the General Terms and Conditions) to use
the AdBureau Service (with the Global Behavior Profile option, if elected by
Customer on the Cover Page), solely for the purpose of Ad Insertions at the
Customer Sites. Customer shall be solely responsible for selecting the Customer
Content provided, however that Engage may provide advertisements through
AudienceNet as provided in Attachment C.

A-2. UPLOADING CUSTOMER CONTENT. Engage shall provide Customer with the
password-protected capability to upload Customer Content to, or delete Customer
Content from the AdBureau Site at any time. Customer shall crate web pages
including HTML Tags for its advertising images and advertising campaigns and
upload Customer Content to the AdBureau Site, except that in preparing the first
of Customer's advertising campaigns, Engage shall upload the Customer Content if
so requested by Customer.

A-3. LICENSE TO PUBLISH CUSTOMER CONTENT. Subject to the terms and conditions of
this Section A-3. Customer hereby grants to Engage a royalty-free non-exclusive
nontransferable license during the term of this Agreement to (i) make Customer
Content available to Customer only on the AdBureau Site and (ii) display
Customer Content solely for the purpose of Ad Insertions at Customer Sites only.

A-4. CUSTOMER'S RIGHTS TO USE CUSTOMER CONTENT. Customer warrant that it (i)
owns all right, title and interest in and to all Customer Content, or to the
extent that Customer does not have such ownership rights it has obtained all
legal rights an clearance necessary for the use of all Customer Content as
contemplated herein, (ii) shall manage the contractual relationship with all
third parties from whom such rights and clearances may be obtained, and (iii)
shall play all related costs or fees. The foregoing obligation includes, without
limitation, obtained the rights during the term of this Agreement to display any
third-party trade names, service marks, or trademarks, and to publish in
downloadable, online, electronic form the copyrightable works, such as product
descriptions, product images, and other sales and promotional information and
the like crated or supplied by Customer, Customer's advertising clients,
third-party vendors, manufacturers, trade associations, and others.

A-5. PROHIBITED CONTENT. Customer represents and warrants that all Customer
Content is, includes any and all proprietary notices of third parties and
contains no material that violated the rights of any third party, including,
without limitation, material that a court determines to constitute ?, slander,
defamation, violation of privacy, publicity, identify, or claims of infringement
of any trademark, service mark, trade name, copyright or other proprietary
right. Customer further represents and warrants that Customer's use of the
Domain Names does not violate the rights of any third party including, without
limitation, infringement of any trademark, service mark, trade name, or other
proprietary right. Engage shall have no duty to preview, verify, maintain, or
correct Customer Content. Notwithstanding the foregoing, Customer agrees that
Engage may, at its sole discretion, but shall have no affirmative obligation to
delete or refuse to include any information, statements, advertising images, or
any other Customer Content that Engage determines to be in violation of this
Section, Customer shall promptly correct any errors in the substance of Customer
Content that Customer may discover or that may be brought to Customer's
attention by Engage, and users or other third parties.

A-6. HOUSE ADS. In addition to advertising images to be targeted through the Ad
insertion process, Customer shall provide a reasonable number of house Ads to
serve as default images for display in the event that the Ad Insertion process
does not result in selection and display of a third-party advertising image.
House ads, shall not display an Advertising image with respect to which Customer
derives income from a third-party advertiser. All House Ads must be added to the
AdBureau Site under a single Advertiser name called "House Ads" for each site.
Ad Insertions resulting in display of House Ads shall be included in the
calculation of fees due pursuant to Exhibit A only to the extent that such Ad
Insertions exceed twenty percent (20%) of all Ad Insertions. Only Acts that are
included under the advertiser name "House Ads" shall be included in calculations
regarding House Ad discounts. If Customer classifies Credit Union awareness ads
as "House Ads" then ads will be included in the calculation of House Ads.

ACCEPTED BY:                                    ACCEPTED BY:

Engage:                                   Customer:
        ---------------------                      -----------------------------
              Initial                                           Initial

                                       13
<PAGE>

                                                                    ATTACHMENT B
                                SUPPORT SERVICES

B-1. SUPPORT SERVICES. Engage will provide Customer with the support services
set forth in the table below ("Support Services"). The Support Services shall
apply only to the Services purchased by Customer as specified on the Cover Page;
Engage is not responsible for the configuration, maintenance or correction of
third-party software, hardware or communications facilities not included in such
Service(s). Engage shall not be obligated to provide Support Services if such
services are required as a result of (a) Customers neglect or misuse of the
Service or Software, (b) modification of Software by a person or entity than
other than Engage without the prior written consent of Engage, or (c) any other
cause beyond the reasonable control of Engage. Customer acknowledges that
telephone support is not a substitute for training and that Engage reserves the
right to refuse to answer questions covered in basic training materials. Engage
shall have no liability to any third party with respect to the Support Services.

B-2. ERROR CORRECTION. Customer may call to report an "Error" in the Service or
Software (i.e., a failure of the Service or Software to function in material
conformity with the Documentation) during the hours specified in the table below
and shall provide Engage all information reasonable available to Customer for
diagnosis of the Error. Engage shall verify receipt of such requests and assign
an appropriate "Severity Level" classification as more fully described in
Section B-4). Depending on the classification, Engage will use commercially
reasonable efforts to either: provide a solution or workaround; provide a
reasonable and commercially practical avoidance procedure; address the request
in the next revision/iteration of Software; or discuss with Customer possible
custom professional services to resolve Customer's request. Telephone support
during the hours specified in the table below is unlimited in any given month.
Engage shall respond to Customer's request in a reasonably timely manner.

B-3. TELEPHONE SUPPORT. If a support call is made outside the specified hours
and is not of Severity Level 1, Customer shall pay $125 for each such call for
the first hour (or any part of such hour) and each additional hour will be
billed at a rate of $125 per hour.

B-4.  TERM.  The term of the Support  Service shall be  conterminous  with the
term of the Service.

<TABLE>
<CAPTION>
                 ------------------------------- -------------------------------------------------
                          DELIVERABLE                         STANDARD LEVEL SUPPORT

                 ------------------------------- -------------------------------------------------
<S>                                              <C>
                 Availability                    Toll Free Telephone Support:
                                                 Monday through Friday
                                                 6 A.M. Eastern to 8 P.M. Eastern time
                 ------------------------------- -------------------------------------------------
                 Staff                           Access to technical staff
                 ------------------------------- -------------------------------------------------
                 Diagnostics                     Remote diagnostics available
                 ------------------------------- -------------------------------------------------
                 Customer Feedback               Quarterly Product Enhancement Ballot
                 ------------------------------- -------------------------------------------------
                 Customer Communications         Quarterly Newsletter
                 ------------------------------- -------------------------------------------------
                 Web site                        Access to technical
                                                 support web site 24 x 7 for:
                                                 - Problem reporting via the web
                                                 - Web accessible knowledge base
                                                 - Patches and fixes available for download
                                                 - Web based books such as Release Notes,
                                                   Installation Guides, etc.
                 ------------------------------- -------------------------------------------------
                 Proactive Support               - Proactive Patch Reporting
                                                 - Notification of known problems and fixes
                                                 - Monthly "Wellness Check" and call review
                                                 - O/S upgrade impact planning
                 ------------------------------- -------------------------------------------------
</TABLE>

                                       14
<PAGE>

Severity Levels Defined:

<TABLE>
<S>                                             <C>
      Severity 1 - Critical Business Impact     The Service or Software, regardless of the environment or
                                                product usage, has complete loss of service functionality, or
                                                resources for which no workaround exists and Customer's
                                                work cannot reasonably continue.

      Severity 2 - Serious Business Impact      The Service or Software, regardless of the environment or
                                                product usage is causing significant or degraded loss of
                                                functionality or resources. A major product flaw with a
                                                workaround, or a minor product flaw without a workaround.

      Severity 3 - Minor Business Impact        The Service or Software, regardless of the environment or
                                                product usage, has minor loss of service functionality or
                                                resources. A minor product flaw with a workaround.

      Severity 4 - No Business Impact           The Service is in full working mode; Customer's work is
                                                not being impeded at this time. Information is requested or
                                                reported. A minor irritant.
</TABLE>

ACCEPTED BY:                        ACCEPTED BY:

Engage:                             Customer:
         ------------                          ------------
           Initials                              Initials

                                       15
<PAGE>

                                                                    ATTACHMENT C
                       AUDIENCE NET PARTICIPANT AGREEMENT

C-1 PARTICIPATION IN AUDIENCENET; TERM. Customer shall participate as a
participant, through the Customer Site, in Engage's profile-driven advertising
service known as "AudienceNet." On the terms and conditions provided in this
Attachment C; provided however that the terms of this Attachment C and of
Customer's participation in AudienceNet shall not commence unless and until
Engage delivers to Customer an upgraded system for intelligent redirects with
the CPM rate and ad availability inventory determined by Customer's rules set in
the system(referred to by Engage as "phase II"). The initial term shall expire
on the same date as the expiration of the concurrent term of the Adbureau
Service; thereafter, the term shall renew automatically for successive one-year
periods unless either party notifies the other in writing of its election not to
renew at least 30 days prior to the expiration of an annual term.

C-2  CUSTOMER DUTIES.

     a. Customer will provide Engage with the right to serve profile-driven ads
on Inventory by redirecting to Engage Inventory as stated in a Campaign Order:
provided, however, that Customer shall be entitled to (i) specify the number of
ads Engage may provide, (ii) reasonably review for objectionable content and
approve all ads provided by Engage, (iii) establish any other reasonable rules
regarding the ads provided by Engage and (iv) change any of its requirements or
approvals with respect to clauses (i) through (iii) at any time in its sole
discretion; provided further that Engage, at its sole discretion, may terminate
Customer's participation in AudienceNet and/or terminate the availability to
Customer of the Global Behavior Profile Option if Customer curtails or restricts
the availability of Visitor Information or inventory to Engage;

     b. Customer will provide Engage from time to time with replacement and/or
house ads (which ads will not contain objectionable, infringing or illegal
content or promote alcohol, tobacco or fire arms) to serve as default ad images
no profile-driven ad is available from Engage;

     c. Customer will ensure the delivery by the Software of Visitor Data from
Customer to Engage, and in connection there with, customer hereby grants to
Engage a royalty-free, nonexclusive, nontransferable perpetual, irrevocable
right to use the Visitor Data provided to Engage for all purposes associated
with the Engage Knowledge global database and related services. The AudienceNet
software module includes a classification table enabling Customer to map Visitor
Data to predefined categories. Customer will actively maintain and manage the
Classification File in cooperation with Engage so that the classification table
is accurate and comprehensive in its mapping of Visitor Data; and

     d. Customer will post and maintain a written privacy policy on the Customer
Site that (i) discloses the fact that Visitor Data is being collected and
provided to a third party, Engage, for purposes of delivering relevant ads to
users, and (ii) includes a reference to the web address of the Engage Anonymous
Cookie Opt-out links or html (currently http://www. engage. com/privacy/) so
that a user can elect to "opt out" of participation in the Engage service.
Engage will notify Customer of any material changes to its "opt out" links 30
days prior to such changes. In the event that Engage materially changes or
modifies it's privacy policy such that it is no longer compatible with
Customers, then at the Customer discretion the AudienceNet portion of this
contract can be terminated with 30 days notice; and in the event of such
termination of the AudienceNet portion of this Agreement for such reason or for
any other reason, Engage may terminate the Global Behavior Profile Option
portion of this Agreement upon 30 days written notice.

C-3. ENGAGE DUTIES.

     a. Engage will provide Customer with AudienceNet software module, install
such module at the Customer Sites and evaluate the commercial potential of
Visitor Data associated with the Customer Sites. Customers use of the module is
subject to the same terms of the Agreement that govern the Software.

                                       16
<PAGE>

     b. Engage may receive Ad Inventory and serve profile-based ads (which ads
will not contain objectionable, infringing or illegal content or promote
alcohol, tobacco or fire arms) or, if such ads are not available, either serve
at no additional charge replacement and/or house ads provided by Customer or
redirect the Inventory to Customer (provided that Engage reserves the right to
refuse to serve an ad the, ft deems in violation of Section C-2(b));

     c. Engage will pay Customer at the CPM rate stated in a Campaign Order for
any Inventory actually used to deliver profile-driven ads. Engage will pay
Customer within 120 days of the completion of the applicable campaign or 15
business days after receiving payment from the advertiser/agency, whichever is
sooner;

     d. Engage shall be granted the right from Customer to collect Visitor Data
from visitors to the Customer Sites only by setting cookies on ads served.
Engage will not (i) collect or store Personal Information, (ii) sell, report or
transfer unprocessed Visitor Data from Customer to any third party, or (iii)
aggregate or present Visitor Data from Customer in a form or manner that would
permit a third party to (a) identify any individual's Personal Information or
identify or (b) identify the data as originating from Customer.

ACCEPTED BY:                        ACCEPTED BY:

Engage:                             Customer:
         ------------                          ------------
           Initials                              Initials

                                       17
<PAGE>

                                                                    ATTACHMENT D

                         GLOBAL BEHAVIOR PROFILE OPTION

D-1 GRANT OF RIGHTS TO ACCESS DATA REPOSITORY. Subject to the terms and
conditions of this Agreement, Engage grants Customer a royalty-free,
nonexclusive, nontransferable, worldwide right to request and be served Profiles
from the Data Repository for use in conjunction with the Software on the
Permitted Engineers solely or the purpose of determining ad selection on the
Customer Sites.

D-2 RESTRICTIONS. Use of a Profile other than as expressly permitted in Section
D-1 is prohibited, and all rights in the Profiles, Data, and Data Repository
other than Visitor Data and those expressly granted to Customers are reserved by
Engage. Customer has no implied rights. Without limiting the generality for the
foregoing, Customer will not (i) retain a Profile or a copy of a Profile, in
whole or in part, (ii) use a Profile, through combination with other data or
otherwise to attempt to derive Personal Information or associate Personal
Information with a Profile, (iii) combine a Profile with other information and
store the results for later use, or (iv) resell or transfer a Profile to a third
party. Any violation of this Section D-2 will constitute a material breech of
this Agreement.

D-3 FEE SCHEDULE FOR PROFILESERVER GLOBAL BEHAVIOR PROFILE OPTION. Customer
shall pay Engage a _5 CPM for "Useful Profile" from the Data Repository. Engage
may change this rate when the contract is renewed with 30 days prior notice. As
used herein, the term useful Useful Profiles means a Profile actually used by
Customer to determine selection in the delivery of a targeted ad, promotion or
content to a Web browser. Within 10 days of the end of each calendar month.
Customer shall submit a written monthly report to Engage indicating the number
of Useful Profiles. Engage shall invoice Customer on a monthly basis for Useful
Profiles.

D-4 ENGAGE'S DUTIES. Engage shall make good faith, reasonable efforts to
maintain operation of the Data Repository on a 24 hours per day, 365 days per
year basis. From time to time, however, and as may be necessary to maintain the
proper operation of the Data Repository, Engage may take the Data Repository's
web server(s) down for repairs, upgrade or routine maintenance. Engage shall
have no obligation with respect to Downtime except to restore service as soon as
reasonably possible.

D-5 ACCESS TO DATA REPOSITORY. Customer access to the Data Repository shall be
through the Internet, at Customer's option and expense, through a dedicated
telecommunications line.

D-6 CONTRIBUTION OF VISITOR DATA. Access to the Data Repository requires that
Customer contribute Visitor Data to Engage. Accordingly, if Customer has not
separately elected to be a participant in ProfileNet. Customer will contribute
Visitor Data to Engage in accordance with Sections C-2(c)-(d) of ATTACHMENT C;
Engage's use of the Visitor Data is subject to the restrictions in Section
C-3(d) of ATTACHMENT C.

ACCEPTED BY:                        ACCEPTED BY:

Engage:                             Customer:
         ------------                          ------------
           Initials                              Initials

                                       18

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