Document:

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                               SECURITY AGREEMENT

                  SECURITY AGREEMENT, dated as of March 19, 2002, among CROSS
MEDIA MARKETING CORPORATION, a corporation organized under the laws of Delaware
(together with its successors and permitted assigns, "Cross Media"), MEDIA
OUTSOURCING, INC., a corporation organized under the laws of Delaware (together
with its successors and permitted assigns, "Media"), NATIONAL SYNDICATIONS,
INC., a corporation organized under the laws of Delaware (together with its
successors and permitted assigns, "NSI") and PREFERRED CONSUMER MARKETING, INC.,
a corporation organized under the laws of Florida (together with its successors
and permitted assigns "PCM" and together with Cross Media, Media and NSI,
collectively the "Borrowers"), each of the Subsidiaries which is a signatory
hereto or which shall become a party hereto from time to time in accordance with
the terms hereof (together with their respective successors and assigns, and
together with the Borrowers, the "Debtors") and FLEET NATIONAL BANK, a national
banking association organized under the laws of the United States, as agent for
the Lenders and the Issuing Lender (in such capacity, together with its
successors and assigns, the "Agent") (as amended, supplemented or otherwise
modified from time to time, this "Agreement").

                 WHEREAS, pursuant to that certain Credit Agreement, dated as of
March 19, 2002, among the Borrowers, each of the Lenders, the Agent and Fleet
National Bank as Issuing Lender (as amended, supplemented or otherwise modified
from time to time, the "Credit Agreement"), the Lenders have severally agreed to
make Loans to the Borrowers and the Issuing Lenders has agreed to issue Letters
of Credit upon the terms and subject to the conditions set forth therein; and

                  WHEREAS, it is a condition to the obligation of the Lenders to
make their respective Loans to the Borrowers under the Credit Agreement and the
obligation of the Issuing Lender to issue Letters of Credit under the Credit
Agreement, that the Debtors shall have executed and delivered this Agreement to
the Agent;

                  NOW, THEREFORE, the parties hereto agree as follows:

                                   ARTICLE 1.
                                   DEFINITIONS

         1.1 Capitalized terms used herein and not otherwise defined shall have
the meanings assigned by the Credit Agreement.

         1.2 As used in this Agreement the following terms have the following
meanings (terms defined in the singular to have a correlative meaning when used
in the plural and vice versa):
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                  (a) "Collateral" shall mean all of each Debtor's now existing
and hereafter arising interests in and to all of the following, whether now
existing or owned or hereafter created or acquired, wherever located, including
substitutions, accessions, additions and replacements thereto and thereof:

                           (i) all Accounts, contract rights, Chattel Paper,
documents, instruments, notes, acceptances, drafts and general intangibles
(including, but not limited to, all now existing and hereafter arising choses in
action and tax and duty refunds, all now owned and hereafter acquired
franchises, licenses, permits, patents, patent applications, trademarks,
tradenames and copyrights, and all rights thereunder and registrations thereof);
all interests in the goods represented thereby and all returned, reclaimed and
repossessed goods with respect thereto; all rights as an unpaid vendor
(including stoppage in transit, replevin, reclamation and resale), all
additional amounts due to each Debtor from any Account Debtor irrespective of
whether such additional amounts have been specifically assigned to the Agent;
all guaranties, letters of credit and other agreements or property securing or
relating to any of the items referred to above; all monies, deposits (general or
special), securities, instruments, credits and other property now or hereafter
actually or constructively held or received by, or in transit in any manner to
or from, the Agent or any other Person, whether for safekeeping, custody,
pledge, transmission, collection or otherwise, or placed in any safe deposit box
leased by the Agent or any such other Person to any Debtor; and all rights and
remedies under or in connection with all of the foregoing;

                           (ii) all Inventory, including raw materials and all
other goods, and all right, title and interest therein and thereto;

                           (iii) all machinery, Equipment, furniture,
furnishings, fixtures, tools, and all attachments, components, accessories and
parts therefor or installed thereon or affixed thereto;

                           (iv) all leasehold interests in Equipment, premises
or facilities leased from third parties;

                           (v) Instruments;

                           (vi) General Intangibles;

                           (vii) all books, records, customer lists, ledger
sheets, ledgers, files, orders, invoices and shipping receipts (including,
without limitation, computer programs, tapes and related electronic data
processing software) relating to all of the foregoing;

                           (viii) any L/C cash collateral account established by
a Borrower with the Agent to provide collateral security with respect to
outstanding Letters of Credit (the "L/C Cash Collateral Account"); and

                           (ix) to the extent not listed above as original
collateral, any and all products and Proceeds of the foregoing in any form,
whether from the voluntary or involuntary disposition thereof, including,
without limitation, Accounts, contract rights, general

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intangibles, Chattel Paper, documents, instruments, Inventory, Equipment,
fixtures, insurance proceeds and claims against third parties for damage to or
loss or destruction of any or all of the foregoing.

         Notwithstanding the foregoing, "Collateral" shall not include any
general intangibles or other rights or other interests in Property arising under
any contracts, instruments, licenses, leases or other documents as to which the
grant of a security interest would constitute a violation of a valid and
enforceable restriction in favor of a third party on such grant, unless and
until any required consents shall have been obtained. Each Debtor agrees, at the
reasonable request of the Agent, to use commercially reasonable efforts to
obtain any such required consent with respect to any items of such Collateral.

                  (b) "Obligations" has the meaning assigned to such term in the
Credit Agreement.

         This Agreement does not secure any Obligations secured by a consensual
lien on real property.

                  (c) Any term used in the Uniform Commercial Code ("UCC") and
not defined in this Agreement has the meaning given to the term in the UCC.

                                   ARTICLE 2.
                           GRANT OF SECURITY INTEREST

As security for the payment and performance of the Obligations, each Debtor
hereby grants to the Agent for the ratable benefit of the Lenders and the
Issuing Lender a continuing security interest in and upon the Collateral.

                                   ARTICLE 3.
                        PERFECTION OF SECURITY INTERESTS

         3.1 Filing of Financing Statements.

                  (a) Each Debtor authorizes the Agent to file a financing
statement (the "Financing Statement") describing the Collateral.

                  (b) Each Debtor authorizes the Agent to file a financing
statement (the "Financing Statement") describing any agricultural liens or other
statutory liens held by the Agent.

                  (c) The Agent shall receive prior to the Closing an official
report from the Secretary of State of each Collateral State, each Chief
Executive Office State and each Debtor

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State (each as defined below) (the "SOS Reports") indicating that the Agent's
security interest will be prior to all other security interests or other
interests reflected in the report.

         3.2 Possession.

                  (a) Each Debtor shall have possession of the Collateral owned
by it, except where expressly otherwise provided in this Agreement or where the
Agent chooses to perfect its security interest by possession in addition to the
filing of a financing statement.

                  (b) Where Collateral is in the possession of a third party,
each applicable Debtor will join with the Agent in notifying the third party of
the Agent's security interest and obtaining an acknowledgment from the third
party that it is holding the Collateral for the benefit of the Agent in the
notable benefit of the Lenders and the Issuing Lender.

         3.3 Control. Each Debtor will cooperate with the Agent in obtaining
control with respect to Collateral consisting of:

                  (a) Investment Property;

                  (b) Letter of credit rights; and

                  (c) Electronic chattel paper.

         3.4 Marking of Chattel Paper. No Debtor will create any Chattel Paper
without placing a legend on the Chattel Paper acceptable to the Agent indicating
that the Bank has a security interest in the Chattel Paper.

                                   ARTICLE 4.
           POST-CLOSING COVENANTS AND RIGHTS CONCERNING THE COLLATERAL

         4.1 Inspection. Subject to the provisions of Section 7.07 of the Credit
Agreement, the parties to this Agreement may inspect any Collateral in the other
party's possession.

         4.2 Personal Property. The Collateral shall remain personal property at
all times. No Debtor shall affix any of the Collateral to any real property in
any manner which would change its nature from that of personal property to real
property or to a fixture.

         4.3 Secured Party's Collection Rights. After the occurrence of an Event
of Default and during the continuance thereof, the Agent shall have the right at
any time to enforce Debtors' rights against the Account Debtors and obligors.

         4.4 Limitations on Obligations Concerning Maintenance of Collateral.

                  (a) Risk of Loss. Debtors have the risk of loss of the
Collateral.

                  (b) No Collection Obligation. Neither the Agent, nor any
Lender has any duty to collect any income accruing on the Collateral or to
preserve any rights relating to the Collateral.

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         4.5 No Disposition of Collateral. The Agent does not authorize, and
each Debtor agrees not to:

                  (a) make any sales, leases, assignments, transfers or other
disposition of any of the Collateral, except in the ordinary course of its
business or as otherwise permitted under the Credit Agreement;

                  (b) license any of the Collateral, except as otherwise
permitted under the Credit Agreement; or

                  (c) grant any other security interest (other than Permitted
Liens) in any of the Collateral.

         4.6 Further Assurances; Financing Statements. At any time and from time
to time, at the reasonable request of the Agent, each Debtor shall, at its own
cost and expense, execute and deliver to the Agent such agreements, instruments,
certificates and other documents, and take such other actions, as may be
necessary or desirable, in the reasonable opinion of the Agent, to further
evidence, effect or perfect, or preserve the grant, perfection or priority of,
the Liens created by this Agreement, or to otherwise effectuate the purposes of
this Agreement. To the extent permitted by applicable Law, each Debtor hereby
authorizes the Agent to execute and file at any time or times one or more
financing statements pursuant to the UCC with respect to any or all of the
Collateral with or without the signature of any Debtor. Each Debtor hereby
agrees that a carbon, photographic or other reproduction of this Agreement or of
a financing statement shall be sufficient as a financing statement.

         4.7 Reports. Each Debtor shall report, in form and substance
satisfactory to the Agent, such information as the Agent or any Lender may
request from time to time regarding the Collateral.

         4.8 Former Names. All corporate or fictitious names and tradenames used
by each Debtor or by which each Debtor has been known during the preceding five
years is set forth on Schedule 4.8.

         4.9 Delivery and Marking of Certain Collateral. Each Debtor shall, upon
the request of the Agent, (a) deliver and pledge to the Agent, duly endorsed
and/or accompanied by such instruments of assignment and transfer in such form
and substance as the Agent may request, any and. all instruments, documents,
securities and Chattel Paper which are included in the Collateral, (b) cause the
issuance of a document in the name of the Agent in respect of any goods in the
possession of a bailee (other than a bailee who has issued a negotiable document
therefor), and (c) keep and stamp or otherwise mark any and all documents and
Chattel Paper, and its individual books and records relating to the Collateral
to evidence this Agreement and the Liens granted hereby.

         4.10 Maintenance of Records. Each Debtor shall keep and maintain
satisfactory and complete records of the Collateral, including, without
limitation, a record of all payments received and all credits granted with
respect to its Accounts.

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         4.11 Notices. Each Debtor shall advise the Agent promptly, in
reasonable detail, at its address set forth in the Credit Agreement, of any Lien
(other than Permitted Liens) on, or claim asserted against, any of the
Collateral.

         4.12 Limitations on Discounts, Compromises, Extensions of Accounts. No
Debtor shall grant any extension of the time of payment of any of the Accounts,
compromise, compound or settle the same for less than the full amount thereof,
release, wholly or partially, any Person liable for the payment thereof, or
allow any credit or discount whatsoever thereon except (a) in the ordinary
course of business as generally conducted by such Debtor over a period of time
or (b) with respect to Accounts of account payors having Accounts with such
Debtor aggregating not more than $500,000 over the term of the Credit Agreement,
if so doing would be in the best interest of such Debtor as determined in good
faith by the officers of such Debtor.

         4.13 Limitations on Modifications. Waivers, Extensions of Contracts and
Agreements Giving Rise to Accounts. Other than in the ordinary course of
business as generally conducted by such Debtor over a period of time, no Debtor
shall (a) amend, modify, terminate or waive any provision of any contract or any
agreement giving rise to an Account in any manner which would reasonably be
expected to materially adversely affect the value of such contract or Account as
Collateral without the Agent 's prior written consent or (b) fail to exercise
promptly and diligently each and every material right which it may have under
each contract and each agreement giving rise to an Account (other than any right
of termination).

                                   ARTICLE 5.
                    REPRESENTATIONS AND WARRANTIES OF DEBTORS

    Each Debtor hereby represents and warrants to, and covenants and agrees with
the Agent that:

         5.1 Title; No Other Liens. Except for the Lien granted to the Agent
pursuant to this Agreement and the Permitted Liens, each Debtor owns each item
of the Collateral free and clear of any and all Liens or claims of others. No
security agreement, financing statement or other public notice with respect to
all or any part of the Collateral is on file or of record in any public office,
except such as may have been filed in favor of the Agent pursuant to this
Agreement or as may be expressly permitted pursuant to the Credit Agreement.

         5.2 Perfected First Priority Liens. Upon the filing of all financing
statements and other actions necessary to perfect a security interest in the
Collateral, the Liens granted pursuant to this Agreement constitute perfected
Liens on the Collateral in favor of the Agent for the benefit of the Lenders
which are prior to all other Liens on the Collateral (other than Permitted
Liens) created by the Debtors and in existence on the date hereof.

         5.3 Accounts; General Intangibles. No amount payable to any Debtor
under or in connection with any Account is evidenced by any instrument or
Chattel Paper which has not been delivered to the Agent.

         5.4 Farm Products. None of the Collateral constitutes, or is the
proceeds of, Farm Products.

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         5.5 Governmental Obligors. None of the obligors on any Accounts that
constitute Collateral, and none of the parties to any contract of any Debtor, is
a Governmental Authority.

         5.6 Locations of Offices and Collateral Change of Locations and Names.
The (a) state, including the addresses of each location where any of the
Collateral (including without limitation Equipment and Inventory) is or may
hereafter be located (each a "Collateral State"), (b) exact legal name of each
Debtor, (c) state of incorporation of each Debtor (each a "Debtor State"), and
(d) state in which the chief executive office of each Debtor is located (each a
"Chief Executive Office State"), are set forth on SCHEDULE 5.6. No Debtor shall
change (x) its name, identity or corporate structure or (y) the state of
incorporation, unless (i) such Debtor shall have given the Agent at least thirty
(30) days' prior written notice, (ii) if necessary and if requested by the Agent
during such 30-day notice period, each Debtor shall have executed and delivered
such financing statements and other agreements, instruments, certificate and
other documents, and taken such other actions, as may be necessary or desirable,
in the opinion of the Agent, to perfect or preserve the Liens created by this
Agreement, (iii) such financing statements shall have been duly filed under the
UCC of each jurisdiction necessary or desirable to perfect or preserve the Liens
created by this Agreement in favor of the Agent and (iv) such change will not,
assuming the actions listed in clauses (ii) and (iii) are taken, impair in any
respect the grant, perfection or priority of the Liens created by this
Agreement.

                                   ARTICLE 6.
                                EVENTS OF DEFAULT

         The occurrence of any of the following shall, at the option of the
Agent, be an Event of Default:

         6.1 Any Default or Event of Default (as defined in the Credit
Agreement) by Borrowers under the Credit Agreement.

         6.2 The Agent shall receive at any time following the Closing an SOS
Report indicating that the Agent's security interest is not prior to all other
security interests or other interests reflected in the report (except for
Permitted Liens).

                                   ARTICLE 7.
                        RIGHTS AND REMEDIES UPON DEFAULT

         If an Event of Default shall occur and be continuing, the Agent shall
have all of the following rights and remedies, in addition to all other rights
and remedies set forth in other sections of this Agreement, in the other
Facility Documents, or as provided at law or in equity or otherwise:

         7.1 Rights Under UCC. Notwithstanding anything to the contrary
contained herein, in addition to all of the rights and remedies contained in
this Agreement, in the other Facility Documents, or as provided at law or in
equity or otherwise, the Agent shall have all rights and remedies of a secured
party under the UCC.

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         7.2 Possession of Collateral. The Agent shall have the right: (a) to
enter upon the premises of any or all of the Debtors or any other place or
places where any Collateral is located and kept through self-help and without
judicial process without first obtaining a final judgment or giving any Debtor
notice and opportunity for a hearing on the validity of the Agent's claim and
without any obligation to pay rent; (b) to prepare, assemble or process the
Collateral for sale, lease, or other disposition; (c) to remove the Collateral
to the premises of the Agent or any Agent of the Agent, for such time as the
Agent may desire, in order to collect or dispose of the Collateral; and (d) to
require any and all Debtors to assemble the Collateral and make it available to
the Agent at a place to be designated by the Agent.

         7.3 Action Pending Disposition. Until the Agent is able to effect a
sale or other disposition of the Collateral, the Agent shall have the right to
use or take such action with respect to the Collateral, or any part thereof, as
it deems appropriate for the purpose of preserving the Collateral or its value
or for any other purpose deemed appropriate by the Agent. The Agent shall have
no obligation to any Debtor to maintain or preserve the rights of any Debtor as
against third parties with respect to the Collateral while the Collateral is in
the possession of the Agent. The Agent may, if it so elects, seek the
appointment of a receiver or keeper to take possession of the Collateral and to
enforce any of the Agent's remedies with respect to such appointment without
prior notice or hearing.

         7.4 Disposition of Collateral. The Agent shall have the right to sell
or otherwise dispose of all or any of the Collateral, at public or private sale,
sales or other dispositions, in lots or in bulk, for cash or on credit, all as
the Agent, in its sole discretion, may deem necessary or desirable. The Agent
will give the appropriate Debtor notice of the time and place of any public sale
or other disposition of the Collateral, or of the time after which any private
sale or other disposition thereof is to be made, by sending notice, as provided
herein, at least ten days before the time of the sale or other disposition,
which provisions for notice each Debtor and the Agent agree are reasonable;
provided, however, that no such notice need be given by the Agent with respect
to Collateral which is perishable or threatens to decline speedily in value or
is of a type customarily sold on a recognized market. Such sales or other
dispositions may be adjourned and continued from time to time with or without
notice. The Agent shall have the right to conduct such sales or other
dispositions on any Debtor's premises or elsewhere and shall have the right to
use any Debtor's premises without charge for such sales or other dispositions
for such time or times as the Agent deems necessary or desirable. To enable the
Agent to effect any such sale or other disposition, each Debtor hereby makes,
constitutes and appoints the Agent as its true and lawful attorney, in its name,
place and stead, and for its account and risk, to make, execute and deliver any
and all assignments or other agreements, instruments, certificates and other
documents which the Agent may deem necessary or desirable to effectuate the
authority hereby conferred by signing any Debtor's name only or by signing the
same as its attorney-in-fact, as may be deemed by the Agent to be necessary or
desirable in connection with any sale or other disposition of all or any part of
the Collateral. The foregoing power of attorney is coupled with an interest and
shall be a continuing one and irrevocable until the Termination Date.

         The Agent may purchase all or any part of the Collateral at public sale
or, if permitted by Law, private sale, and in lieu of actual payment of such
purchase price, may set off the amount of such price against the Obligations.

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         7.5 Waiver of Bond. In connection with the foregoing remedies, the
Debtors and the Agent hereby waive the posting of any bond which might otherwise
be required.

         7.6 Waiver of Claims. To the extent permitted by applicable Law, each
Debtor waives all claims, damages and demands that it may acquire against the
Agent arising out of the exercise by it of any rights hereunder, except to the
extent such claims, damages and demands arise from the gross negligence or
willful misconduct of the Agent. The Agent may exercise all rights and remedies
contained in this Agreement, in other Facility Documents, or provided at law or
in equity or otherwise, without demand of performance or other demand,
presentment, protest, advertisement or notice of any kind (except any notice
required by Law and/or expressly provided herein or under the Credit Agreement)
to or upon any Debtor or any other Person (all and each of which demands,
defenses, advertisements and notices are hereby waived).

         7.7 Rights of Agent and Lenders: Limitations on Bank's Obligations.

                  (a) Debtors Remain Liable under Accounts and Contracts.
Anything herein to the contrary notwithstanding, each Debtor shall remain liable
under each of its contracts and agreements giving rise to any Accounts, to
observe and perform all the conditions and obligations to be observed and
performed by it thereunder, all in accordance with the terms of such contracts
or agreements giving rise to any Account. Neither the Agent nor any Lender shall
have any obligation or liability under any contract or any agreement giving rise
to any Account by reason of or arising out of this Agreement or the receipt by
the Agent or any Lender of any payment relating to such contract, agreement, or
Account pursuant hereto, nor shall the Agent or any Lender be obligated in any
manner to perform any of the obligations of any Debtor under or pursuant to any
contract or any agreement giving rise to any Account, to make any payment, to
make any inquiry as to the nature or the sufficiency of any payment received by
it or as to the sufficiency of any performance by any party under any contract
or any agreement giving rise to any Account, to present or file any claim, to
take any action to enforce any performance or to collect the payment of any
amounts which may have been assigned to it or to which it may be entitled at any
time or times.

                  (b) Notice to Contracting Parties. The Agent may in its own
name or in the name of others communicate with Account Debtors or parties to the
contracts to verify with them to its satisfaction the existence, amount and
terms of any Accounts or contracts.

         The Agent may at any time if an Event of Default shall occur and be
continuing, notify Account Debtors of any Debtor that the Accounts have been
assigned to the Agent and that payments shall be made directly to the Agent, and
shall concurrently inform such Debtor that such notice has been given, provided,
however, the failure of the Agent to so inform such Debtor shall have no effect
on the rights of the Agent hereunder. If an Event of Default shall occur and be
continuing, upon the request of the Agent at any time, each Debtor so notify
such Account debtors.

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                                   ARTICLE 8.
                        THE AGENT'S AND LENDER'S EXPENSES

         Each Debtor shall be jointly and severally liable to the Agent and the
Lenders for any costs and expenses (including, without limitation, all
reasonable fees and disbursements of counsel to the Agent and the Lenders) which
may arise under, out of, or in connection with, this Agreement, any Note, any
other Facility Document and any other document made, delivered or given in
connection therewith or herewith, whether on account of principal, interest,
guaranties, reimbursement obligations, fees, indemnities, costs, expenses or
otherwise; and any and all sums, costs and expenses which the Agent or any
Lender may pay or incur pursuant to the provisions of this Agreement or in
defending, protecting or enforcing the Liens granted herein or otherwise in
connection with the provisions hereof; in each case including without limitation
(x) all search, filing and recording fees and expenses, (y) all fees and
expenses for the service and filing of papers, fees of marshals, sheriffs,
custodians, auctioneers and others, travel expenses, court costs and collection
charges, and (z) all fees and expenses, appraisal fees, taxes, levies and
reasonable attorneys' and accountants' fees and expenses (i) in any suit,
proceeding or action brought by the Agent or any Lender under any Account or
contract for any sum owing thereunder, or to enforce any provisions of any
Account or contract, by reason of any defense, setoff, counterclaim, recoupment
or reduction or liability whatsoever of the Account debtor or obligor
thereunder, or otherwise, (ii) in connection with the repossession, holding,
preparation for sale and sale of the Collateral, (iii) with respect to, or
resulting from any delay in paying, any and all excise, sales or other taxes
which may be payable or determined to be payable with respect to any of the
Collateral, or (iv) with respect to, or resulting from, any delay in complying
with any requirement of Law applicable to any of the Collateral; and all such
liabilities shall be part of the Obligations and shall be payable within five
(5) Business Days of demand therefore; provided, however, it is agreed that the
Debtors are not responsible for costs and expenses incurred by any Lender (other
than the Agent) in connection with the preparation and administration of this
Agreement or any other Facility Document.

                                   ARTICLE 9.
                                  MISCELLANEOUS

         9.1 Authority of Agent. Each Debtor acknowledges that the rights and
responsibilities of the Agent under this Agreement with respect to any action
taken by the Agent or the exercise or non-exercise by the Agent of any option,
right, request, judgment or other right or remedy provided for herein or
resulting or arising out of this Agreement shall, as between the Agent and the
Lenders, be governed by the Credit Agreement and by such other agreements with
respect thereto as may exist from time to time among them, but, as between the
Agent and such Debtor, the Agent shall be conclusively presumed to be acting as
Agent with full and valid authority so to act or refrain from acting, and such
Debtor shall not be under any obligation, or entitlement, to make any inquiry
respecting such authority.

         9.2 Powers Coupled with an Interest. All authorizations and agencies
herein contained with respect to the Collateral are irrevocable and powers
coupled with an interest.

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         9.3 Limitation on Duties Regarding Preservation of Collateral. The
Agent's sole duty with respect to the custody, safekeeping and physical
preservation of the Collateral in its possession, under the UCC or otherwise,
shall be to deal with it in the same manner as the Agent deals with similar
Property for its own account. Neither the Agent, any Lender, nor any of their
respective directors, officers, employees or agents shall be liable for failure
to demand, collect or realize upon all or any part of the Collateral or for any
delay in doing so or shall be under any obligation to sell or otherwise dispose
of any Collateral upon the request of any Debtor or otherwise.

         9.4 Payment of Dollars. The Debtors shall make any payment required to
be made hereunder in lawful money of the United States of America and in
immediately available funds to the Agent.

         9.5 Joint and Several. The obligations of the Debtors hereunder shall
be joint and several.

         9.6 Amendments and Waivers; Remedies Cumulative. Except as otherwise
expressly provided in this Agreement and subject to the terms of the Credit
Agreement, any provision of this Agreement may be amended or modified only by an
instrument in writing signed by the Debtors and the Agent and the Required
Lenders, or by the Debtors and the Agent with the consent of the Required
Lenders and any provision of this Agreement may be waived by the Required
Lenders or by the Agent with the consent of the Required Lenders. No failure on
the part of the Agent or any of the Lenders to exercise, and no delay in
exercising, any right hereunder shall operate as a waiver thereof or preclude
any other or further exercise thereof or the exercise of any other right.

         All remedies set forth in this Agreement and the other Facility
Documents, or provided at law or in equity, are cumulative.

         9.7 Survival. The obligations of the Debtor under Article 8 shall
survive the termination of this Agreement.

         9.8 Assignment; Participations. This Agreement shall be binding upon,
and shall inure to the benefit of, the Debtors and the Agent, the Lenders and
their respective successors and assigns, except that no Debtor may assign or
transfer any of its rights or obligations hereunder without the prior written
consent of the Agent and the Required Lenders (and any such assignment or
transfer without such consent shall be null and void). Without limiting the
generality of the foregoing, the each of the Lenders may assign or transfer all
or any portion of its rights and obligations under any Facility Document, under
the terms of this Agreement to the extent provided in and subject to the terms
of the Credit Agreement, to any other Person, and such other Person shall
thereupon become vested with all of the rights and obligations in respect
thereof granted to the such Lender herein or otherwise.

         Without limiting the generality of the foregoing, the Debtors hereby
acknowledge that the any Lender may sell, grant or assign participation
interest(s) in the Notes and in the such Lender's rights and obligations in
respect of the Facility Documents, including, without

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limitation, this Agreement, on the terms and conditions set forth in the Credit
Agreement. In the event that any Lender shall sell, grant or assign such
participation interest(s), (a) such Lender may, in its sole discretion, disclose
financial and other information to prospective participant(s) with respect to
the Debtors, (b) the Debtors shall cooperate with such Lender in connection with
any such participation and shall execute any and all documents which may be
necessary or desirable, in such Lender's or such participant's judgment, to
effectuate any such participation(s), and (c) each representation and agreement
made by the Debtors in this Agreement and the other Facility Documents shall run
to the benefit of such participant(s).

         9.9 Notices. All notices, requests and demands to or upon the Debtors
or the Agent shall be given in accordance with Section 12.06 of the Credit
Agreement to the address set forth therein, or, if not set forth therein, to the
address set forth next to the signature block of such party.

         9.10 Setoff. Each Debtor agrees that, in addition to (and without
limitation of) any right of setoff, banker's lien or counterclaim a Lender may
otherwise have, each Lender shall be entitled, at its option, to offset balances
(general or special, time or demand, provisional or final) held by it for the
account of any Debtor at any of the Agent's offices, in Dollars or in any other
currency, against any amount payable by such Debtor to the Agent or any Lender
under this Agreement which is not paid when due (regardless of whether such
balances are then due such Debtor), in which case it shall promptly notify the
Debtor and the Agent thereof; provided that the such Lender's failure to give
such notice shall not affect the validity thereof. Payments by each Debtor under
any Facility Document shall be made without setoff or counterclaim.

         9.11 JURISDICTION; IMMUNITIES. EACH OF THE DEBTORS AND THE AGENT HEREBY
IRREVOCABLY SUBMITS TO THE JURISDICTION OF ANY NEW YORK STATE OR UNITED STATES
FEDERAL COURT SITTING IN NEW YORK COUNTY OVER ANY ACTION OR PROCEEDING ARISING
OUT OF OR RELATING TO THIS AGREEMENT OR ANY OTHER FACILITY DOCUMENT, AND EACH OF
THE DEBTORS AND THE AGENT HEREBY IRREVOCABLY AGREES THAT ALL CLAIMS IN RESPECT
OF SUCH ACTION OR PROCEEDING MAY BE HEARD AND DETERMINED IN SUCH NEW YORK STATE
OR FEDERAL COURT. EACH OF THE DEBTORS AND THE AGENT IRREVOCABLY CONSENTS TO THE
SERVICE OF ANY AND ALL PROCESS IN ANY SUCH ACTION OR PROCEEDING BY THE METHODS
AND IN THE MANNER PROVIDED FOR IN SECTION 12.06 OF THE CREDIT AGREEMENT. EACH OF
THE DEBTORS AND THE AGENT AGREES THAT A FINAL JUDGMENT IN ANY SUCH ACTION OR
PROCEEDING SHALL BE CONCLUSIVE AND MAY BE ENFORCED IN OTHER JURISDICTIONS BY
SUIT ON THE JUDGMENT OR IN ANY OTHER MANNER PROVIDED BY LAW. EACH OF THE DEBTORS
AND THE AGENT FURTHER WAIVES ANY OBJECTION TO VENUE IN SUCH STATE AND ANY
OBJECTION TO AN ACTION OR PROCEEDING IN SUCH STATE ON THE BASIS OF FORUM NON
CONVENIENS. EACH DEBTOR FURTHER AGREES THAT ANY ACTION OR PROCEEDING BROUGHT
AGAINST THE AGENT OR THE BANK SHALL BE BROUGHT ONLY IN A NEW YORK STATE OR
UNITED STATES FEDERAL COURT SITTING IN NEW YORK COUNTY.

                                       12
<PAGE>
         EACH OF THE DEBTORS AND THE AGENT WAIVES ANY RIGHT IT MAY HAVE TO JURY
TRIAL.

         Nothing in this Section shall affect the right of the Agent or any
Lender to serve legal process in any other manner permitted by law or affect the
right of the Agent or any Lender to bring any action or proceeding against any
Debtor or its Property in the courts of any other jurisdictions.

         To the extent that any Debtor has or hereafter may acquire any immunity
from jurisdiction of any court or from any legal process (whether from service
or notice, attachment prior to judgment, attachment in aid of execution,
execution or otherwise) with respect to itself or its Property, such Debtor
hereby irrevocably waives such immunity in respect of its obligations under this
Agreement and the other Facility Documents.

         9.12 Headings. The headings and captions hereunder are for convenience
only and shall not affect the interpretation or construction of this Agreement.

         9.13 Severability. The provisions of this Agreement are intended to be
severable. If for any reason any provision of this Agreement shall be held
invalid or unenforceable in whole or in part in any jurisdiction, such provision
shall, as to such jurisdiction, be ineffective to the extent of such invalidity
or unenforceability without in any manner affecting the validity or
enforceability thereof in any other jurisdiction or the remaining provisions
hereof in any jurisdiction.

         9.14 GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY, AND
INTERPRETED AND CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK,
WITHOUT GIVING EFFECT TO THE CONFLICTS OF LAW PRINCIPLES THEREOF.

         9.15 WAIVER OF CERTAIN DAMAGES. EXCEPT AS PROHIBITED BY LAW EACH DEBTOR
HEREBY WAIVES ANY RIGHT IT MAY HAVE TO CLAIM OR RECOVER IN ANY LITIGATION ANY
SPECIAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES OTHER THAN,
OR IN ADDITION TO, ACTUAL DAMAGES. EACH DEBTOR CERTIFIES THAT NO REPRESENTATIVE,
AGENT OR ATTORNEY OF THE AGENT OR ANY LENDER HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT THE AGENT OR ANY LENDER WOULD NOT, IN THE EVENT OF LITIGATION,
SEEK TO ENFORCE THE FOREGOING WAIVER. THIS WAIVER CONSTITUTES A MATERIAL
INDUCEMENT FOR THE AGENT AND THE LENDERS TO ACCEPT THIS AGREEMENT AND MAKE THE
LOANS AND OTHER EXTENSIONS OF CREDIT PURSUANT TO THE CREDIT AGREEMENT.

         9.16 Termination. This Agreement shall terminate when the Obligations
(as defined in the Credit Agreement) have been indefeasibly paid in full and the
Lenders' obligations to make Loans under the Credit Agreement have terminated.

                                       13
<PAGE>
         9.17 Counterparts. This Agreement may be executed in any number of
counterparts, all of which taken together shall constitute one and the same
instrument, and any party hereto may execute this Agreement by signing any such
counterpart.

                                       14
<PAGE>
         IN WITNESS WHEREOF, the parties hereto have duly executed this
Agreement as of the date first written above.

                                           BORROWER:

                                           CROSS MEDIA MARKETING CORPORATION

                                           By:
                                              ---------------------------------
                                                    Name:
                                                    Title:

                                           MEDIA OUTSOURCING, INC.

                                           By:
                                              ---------------------------------
                                                    Name:
                                                    Title:

                                           NATIONAL SYNDICATIONS, INC.

                                           By:
                                              ---------------------------------
                                                    Name:
                                                    Title:

                                           PREFERRED CONSUMER MARKETING, INC.

                                           By:
                                              ---------------------------------
                                                    Name:
                                                    Title:

                                           SUBSIDIARIES:

                                           ECOUPONS.COM, INC.

                                           By:
                                              ---------------------------------
                                                    Name:
                                                    Title:

                                           THE AGENT:

                                           FLEET NATIONAL BANK

                                           By:
                                              ---------------------------------
                                                    Name: Scott Vanderwall
                                                    Title:  Vice President

                                       15
<PAGE>
                                  SCHEDULE 4.8

                                  FORMER NAMES

                                       16
<PAGE>
                                  SCHEDULE 5.6

          LOCATIONS OF OFFICES, STATES OF INCORPORATION AND COLLATERAL

                                       17<PAGE>

                          TRADEMARK SECURITY AGREEMENT

         This TRADEMARK SECURITY AGREEMENT is made this ___ day of March, 2002,
between FLEET NATIONAL BANK, a national banking association organized under the
laws of the United States, having an office at 1185 Avenue of the Americas, New
York, NY 10017, as collateral agent for itself and Lenders (as hereinafter
defined) (together with its successors in such capacity, "Agent'), and CROSS
MEDIA MARKETING CORPORATION, a Delaware corporation having its principal place
of business at 461 Fifth Avenue, 19th Floor, New York, NY 10017 (the "Company").

                                    RECITALS:

         The Company and one or more of its affiliates ("Borrowers") desire to
obtain loans and other financial accommodations from certain financial
institutions ("Lenders") as are parties from time to time to that certain Credit
Agreement dated the date hereof by and among Borrowers, Agent and Lenders
(hereinafter referred to, together with all amendments thereto, as the "Credit
Agreement");

         Lenders are willing to make loans and other financial accommodations to
Borrowers from time to time, pursuant to the terms of the Credit Agreement,
provided the Company executes this Agreement.

         NOW, THEREFORE, for Ten Dollars ($10.00) and other valuable
consideration, and in consideration of the premises, the Company hereby agrees
with Agent as follows:

         1. Capitalized terms used herein (including those used in the Recitals
hereto), unless otherwise defined, shall have the meanings ascribed to them in
the Credit Agreement.

         2. To secure the prompt payment and performance of the Obligations, the
Company hereby pledges, assigns and grants to Agent, for its benefit and the pro
rata benefit of Lenders, a continuing security interest in and lien upon all of
the following property of the Company, whether now owned or existing or
hereafter created or acquired (the "Trademark Collateral"):

                  (a) all trademarks, trademark registrations, tradenames and
         trademark applications, including, without limitation, the trademarks
         and applications listed on Exhibit A attached hereto and made a party
         hereof (as the same may be amended from time to time, and (i) all
         renewals thereof, (ii) all income, royalties, damages and payments now
         or hereafter due or payable with respect thereto, including, without
         limitation, damages and payments for past or future infringements
         thereof, (iii) the right to sue for past, present and future
         infringements thereof, and (iv) all rights corresponding thereto
         throughout the world (all of the foregoing trademarks, trademark
         registrations, tradenames and applications, together with the items
         described in clauses (i)-(iv), are hereinafter collectively referred to
         as the "Trademarks");

                  (b) the goodwill of the Company's business connected with and
         symbolized by the Trademarks; and
<PAGE>
                  (c) all proceeds of the foregoing.

         3. The Company represents and warrants to Agent and Lenders that:

                  (a) Each of the Trademarks is subsisting and has not been
         adjudged invalid or unenforceable;

                  (b) Upon filing of this Agreement in the United States Patent
         and Trademark Office, and the filing of UCC-1 financing statements
         against the Company in its state of incorporation listing "general
         intangibles" among the collateral covered by such financing statement,
         this Agreement will create a legal and valid perfected lien upon and
         security interest in the Trademark Collateral (other than foreign
         trademarks), enforceable against Company and all third Persons in
         accordance with its terms;

                  (c) To the best of the Company's knowledge, no claim has been
         made that the use of any of the Trademarks does or may violate the
         rights of any third Person;

                  (d) The Company has the unqualified right to enter into this
         Agreement and perform its terms;

                  (e) To the best of the Company's knowledge, each of the
         Trademarks is valid and enforceable; and

                  (f) The Company is the sole and exclusive owner of the entire
         right, title and interest in and to all of the Collateral, free and
         clear of any liens, charges and encumbrances (other than Permitted
         Liens), including, without limitation, pledges, assignments, licenses,
         registered user agreements and covenants by the Company not to sue
         third Persons (other than licenses permitted under Section 8.07(b) of
         the Credit Agreement).

         4. The Company covenants and agrees with Agent and Lenders that:

                  (a) The Company will maintain the quality of the products
         and/or services associated with the Trademarks, at a level consistent
         with the quality at the time of this Agreement, and will, upon Agent's
         request, provide Agent quarterly with a certificate to that effect in
         the form attached hereto as Exhibit B executed by an officer of the
         Company;

                  (b) The Company will not change the quality of the products
         and/or services associated with the Trademarks without Agent's prior
         written consent; and

                  (c) The Company has used and will continue to use for the
         duration of this Agreement, proper statutory notice in connection with
         its use of the Trademarks, including, without limitation, filing an
         affidavit of use with the United States Patent and Trademark Office for
         each Trademark as required by applicable law to maintain the
         registration thereof without loss of protection therefore.

                                       2
<PAGE>
         5. Subject to the provisions of Section 7.07 of the Credit Agreement,
the Company hereby authorizes Agent, and its employees and agents (and any
Lender or Lenders and their respective employees and agents), the right to visit
the Company's plants and facilities which manufacture, inspect or store products
sold under any of the Trademarks and to inspect the products and quality control
records relating thereto. The Company shall do any and all acts required by
Agent to ensure the Company's compliance with paragraph 4(c) of this Agreement.

         6. Until all of the Obligations have been satisfied in full and the
Credit Agreement has been terminated, the Company shall not enter into any
license agreement relating to any of the Trademarks with any Person except as
permitted under Section 8.07(b) of the Credit Agreement, and shall not become a
party to any agreement with any Person that is inconsistent with the Company's
duties under this Agreement.

         7. If, before the Obligations have been satisfied in full, the Company
shall obtain rights to any new trademarks, or become entitled to the benefit of
any trademark application or trademark or any renewal of any Trademark, the
provisions of paragraph 2 hereof shall automatically apply thereto, and the
Company shall give to Agent prompt notice thereof in writing.

         8. The Company irrevocably authorizes and empowers Agent to modify this
Agreement by amending Exhibit A to include any future trademarks and trademark
applications within the definition of Trademarks under paragraph 2 or paragraph
7 hereof.

         9. At any time after an Event of Default has occurred and is
continuing, Agent shall have, in addition to all other rights and remedies given
it by this Agreement, all rights and remedies under Applicable law and all
rights and remedies of a secured party under the UCC. Without limiting the
generality of the foregoing, Agent may immediately, for its benefit and the pro
rata benefit of Lenders, without demand of performance and without notice
(except as described in the next sentence, if required by Applicable law), or
demand whatsoever to the Company, each of which the Company hereby expressly
waives, collect directly any payments due the Company in respect of the
Trademark Collateral, or sell at public or private sale or otherwise realize
upon all or from time to time, any of the Trademark Collateral. The Company
hereby agrees that ten (10) days written notice to the Company of any public or
private sale or other disposition of any of the Trademark Collateral shall be
reasonable notice; provided, however, that no notice shall be required hereunder
if not otherwise required by Applicable law. At any such sale or disposition,
Agent may, to the extent permitted by law, purchase the whole or any part of the
Trademark Collateral sold, free from any right of redemption on the party of the
Company, which right the Company hereby waives and releases. After deducting
from the proceeds of such sale or other disposition of the Trademark Collateral
all costs and expenses incurred by Agent in enforcing its rights hereunder
(including, without limitation, all attorneys' fees), Agent shall apply the
remainder of such proceeds to the payment of the Obligations in such order and
manner as may be authorized or required by the Credit Agreement. Any remainder
of the proceeds after payment in full of the Obligations shall be paid over to
the Company. If any deficiency shall arise, the Company and each guarantor of
the Obligations shall remain jointly and severally liable to Agent and Lenders
therefore.

                                       3
<PAGE>
         10. The Company hereby makes, constitutes and appoints Agent and any
officer or agent of Agent as Agent may select, as the Company's true and lawful
attorney-in-fact, with full power to do any or all of the following if an Event
of Default shall occur and be continuing: to endorse the Company's name on all
applications, documents, papers and instruments necessary for Agent to continue
the registration of or to use the Trademarks, or to grant or issue any exclusive
or nonexclusive license under the Trademarks to any other Person, or to assign,
pledge, convey or otherwise transfer title in or dispose of any Trademark
Collateral to any other Person. The Company hereby ratifies all that such
attorney shall lawfully do or cause to be done by virtue hereof. This power of
attorney, being coupled with an interest, shall be irrevocable until all of the
Obligations shall have been satisfied in full and the Credit Agreement shall
have been terminated.

         11. At such time as all of the Obligations shall have been satisfied
finally and in full and the Credit Agreement shall have been shall have been
terminated, Agent shall execute and deliver to the Company, without
representation, warranty or recourse and at the Company's expense, all releases
or other instruments necessary to terminate Agent's security interest in the
Trademark Collateral subject to any disposition thereof which may have been made
by Agent pursuant to the terms of this Agreement or any of the Facility
Documents.

         12. The Company shall be responsible for and pay any and all fees,
costs and expenses, of whatever kind or nature (including, without limitation,
reasonable attorneys' fees and legal expenses) incurred by (a) the Agent in
connection with the preparation of this Agreement and any other documents
relating hereto and the consummation of this transaction and (b) the Agent and
the Lenders in connection with (i) the filing or recording of any documents
(including, without limitation, all taxes in connection therewith) with the
United States Patent and Trademark Office or in any other public offices, the
payment or discharge of any taxes, counsel fees, maintenance fees, Liens or
otherwise protecting, maintaining, or preserving the Trademark Collateral and
(ii) the enforcement of the Agent's or any Lenders' rights and remedies
hereunder, including defending or prosecuting any actions or proceedings arising
out of or related to the Trademark Collateral (it being the intent of the
Company and the Agent that the Company shall be responsible for the payment of
all such sums, fees, costs and expenses, including, without limitation, all
renewal fees with respect to the Trademarks) or, if paid by Agent (or any Lender
as provided above) in the Agent's (or such Lender's) sole discretion, shall be
reimbursed by the Company on demand by Agent (or such Lender) and until so paid
shall be added to the principal amount of the Obligations and shall bear
interest at the highest per annum rate in effect from time to time under the
Credit Agreement.

         13. The Company shall use all reasonable efforts to detect any
infringers of the Trademarks and shall notify Agent in writing of infringements
detected. The Company shall have the duty, through counsel acceptable to Agent,
to prosecute diligently any trademark application for a Trademark pending as of
the date of this Agreement or thereafter until the Obligations shall have been
paid in full and the Credit Agreement terminated, to make federal application on
registrable but unregistered Trademarks (subject to Company's reasonable
discretion in the ordinary course of the Business or, after the occurrence of a
Default or an Event of Default and during the continuance thereof, promptly upon
Agent's request), to file and prosecute opposition and cancellation proceedings,
to file and prosecute lawsuits to enforce the Trademarks and to do any and all
acts which are deemed necessary or desirable by Agent to

                                       4
<PAGE>
preserve and maintain all rights in the Trademarks. Any expenses incurred in
connection with such applications or proceedings shall be borne by the Company.
The Company shall not abandon any right to file a trademark application, or any
trademark application or trademark without the consent of Agent.

         14. Notwithstanding anything to the contrary contained in paragraph 13
hereof, Agent shall have the right, but shall in no way be obligated, to bring
suit instead in its own name to enforce to protect the Trademarks or any license
hereunder, in either of which events the Company shall at the request of Agent
do any and all lawful acts (including bringing suit) and execute any and all
proper documents required by Agent to aid such enforcement, or defense, and the
Company shall promptly, upon demand, reimburse and indemnify Agent for all costs
and expenses incurred in the exercise of Agent's rights under this paragraph 14.

         15. If the Company fails to comply with any of its obligations
hereunder, to the extent permitted by applicable law, Agent may do so in the
Company's name and in Agent's name, in Agent's sole discretion, but at the
Company's expense, and the Company agrees to reimburse Agent in full for all
expenses, including, without limitation, reasonable attorneys' fees, incurred by
Agent in prosecuting, defending or maintaining the Trademarks or Agent's
interest therein pursuant to this Agreement.

         16. No course of dealing between the Company and Agent or any Lender,
nor any failure to exercise, nor any delay in exercising, on the part of Agent
or any Lender, any right, power or privilege hereunder or under any of the other
Facility Documents shall operate as a waiver thereof; nor shall any single or
partial exercise of any right, power or privilege hereunder or thereunder
preclude any other or further exercise thereof or the exercise of any other
right, power or privilege.

         17. All of Agent's rights and remedies with respect to the Trademark
Collateral, whether established hereby or by any of the other Facility
Documents, or by any other agreements or by applicable law shall be cumulative
and may be exercised singularly or concurrently.

         18. The provisions of this Agreement are severable, and if any clause
or provision shall be held invalid and unenforceable in whole or in part in any
jurisdiction, then such invalidity or unenforceability shall affect only such
clause or provision, or part thereof, in such jurisdiction, and shall not in any
manner affect such clause or provision in any other jurisdiction, or any other
clause or provision of this Agreement in any jurisdiction.

         19. This Agreement, together with the other Facility Documents,
constitutes and expresses the entire understanding of the parties hereto with
respect to the subject matter hereof, and supercedes all prior agreements and
understandings, inducements or conditions, whether expressed or implied, oral or
written. This Agreement is subject to modification only by a writing signed by
the parties, except as provided in paragraph 8 hereof.

         20. The benefits and burdens of this Agreement shall inure to the
benefit of and be binding upon the successors and assigns of the Agent and of
each Lender and upon the

                                       5
<PAGE>
successors of the Company. The Company shall not assign its rights or delegate
its duties hereunder without the prior written consent of Agent.

         21. The Company hereby waives notice of Agent's acceptance hereof.

         22. All notices, requests and demands to or upon the Company or Agent
shall be given in accordance with Section 12.06 of the Credit Agreement to the
address set forth therein, or, if not set forth therein, to the address set
forth next to the signature block of such party.

         23. EACH OF THE COMPANY AND THE AGENT HEREBY IRREVOCABLY SUBMITS TO THE
JURISDICTION OF ANY NEW YORK STATE OR UNITED STATES FEDERAL COURT SITTING IN NEW
YORK COUNTY OVER ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS
AGREEMENT OR ANY OTHER FACILITY DOCUMENT, AND EACH OF THE COMPANY AND THE AGENT
HEREBY IRREVOCABLY AGREES THAT ALL CLAIMS IN RESPECT OF SUCH ACTION OR
PROCEEDING MAY BE HEARD AND DETERMINED IN SUCH NEW YORK STATE OR FEDERAL COURT.
EACH OF THE COMPANY AND THE AGENT AGREES THAT A FINAL JUDGMENT IN ANY SUCH
ACTION OR PROCEEDING SHALL BE CONCLUSIVE AND MAY BE ENFORCED IN OTHER
JURISDICTIONS BY SUIT ON THE JUDGMENT OR IN ANY OTHER MANNER PROVIDED BY LAW.
EACH OF THE COMPANY AND THE AGENT FURTHER WAIVES ANY OBJECTION TO VENUE IN SUCH
STATE AND ANY OBJECTION TO AN ACTION OR PROCEEDING IN THE STATE ON THE BASIS OF
FORUM NON-CONVENIENS. THE COMPANY FURTHER AGREES THAT ANY ACTION OR PROCEEDING
BROUGHT AGAINST THE AGENT OR ANY LENDER SHALL BE BROUGHT ONLY IN A NEW YORK
STATE OR UNITED STATES FEDERAL COURT SITTING IN NEW YORK COUNTY.

         EACH OF THE COMPANY AND THE AGENT WAIVES ANY RIGHT IT MAY HAVE TO TRIAL
BY JURY.

         Nothing in this Section 23 shall affect the right of the Agent or any
Lender to serve legal process in any other manner permitted by law or affect the
right of the Agent or any Lender to bring any action or proceeding against the
Company in the courts of any other jurisdictions.

         To the extent that the Company has or hereafter may acquire any
immunity from jurisdiction of any court or from any legal process (whether from
service or notice, attachment prior to judgment, attachment in aid of execution,
execution or otherwise) with respect to itself or any of its assets, including
the Trademark Collateral, the Company hereby irrevocably waives such immunity in
respect of its obligations under this Agreement and the other Facility
Documents.

         24. THIS AGREEMENT SHALL BE GOVERNED BY, AND INTERPRETED AND CONSTRUED
IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK, WITHOUT GIVING EFFECT TO
THE CONFLICTS OF LAW PRINCIPLES THEREOF.

                                       6
<PAGE>
         25. This Agreement may be executed in any number of counterparts, all
of which taken together shall constitute one and the same instrument, and any
party hereto may execute this Agreement by signing any such counterpart.

         26. Notwithstanding anything to the contrary contained in this
Agreement, the Company may abandon and shall not be required to make filings or
take any other actions to maintain or preserve or enforce or protect, and shall
not be liable for any costs of suits brought by Agent with respect to, any
Trademark which in the reasonable business judgment of the Company is no longer
useful or of any material value to the conduct of the Business.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                       7
<PAGE>
         WITNESS, the execution hereof under seal as of the day and year first
above written.

                                        CROSS MEDIA MARKETING CORPORATION

                                        By:
                                           ------------------------------------
                                        Name:
                                             ----------------------------------
                                        Title:
                                              ---------------------------------

ATTEST:

----------------------------
               , Secretary
[Corporate Seal]
                                        ACCEPTED:

                                        FLEET NATIONAL BANK, as Agent ("Agent")

                                        By:
                                           ------------------------------------
                                        Name:
                                             ----------------------------------
                                        Title:
                                              ---------------------------------

                                       8
<PAGE>
STATE OF NEW YORK          )
                           )
COUNTY OF NEW YORK         )

         BEFORE ME, the undersigned authority, on this day personally appeared
________________________________ of CROSS MEDIA MARKETING CORPORATION, to me
known to be the person whose name is subscribed to the foregoing instrument, and
acknowledged to me that he executed the same for the purposes and consideration
therein expressed, in the capacity therein stated, and as the act and deed of
said corporation.

         GIVEN UNDER MY HAND AND SEAL OF OFFICE on this __ day of March, 2002.

                                                   ----------------------------
                                                   Notary Public

STATE OF                            )
                                    )
COUNTY OF                           )

         BEFORE ME, the undersigned authority, on this day personally appeared
_________________________ of FLEET NATIONAL BANK, known to me to be the person
whose name is subscribed to the foregoing instrument, and acknowledged to me
that he executed the same for the purposes and consideration therein expressed,
in the capacity therein stated, and as the act and deed of said corporation.

         GIVEN UNDER MY HAND AND SEAL OF OFFICE on this __ day of March, 2002.

                                                   ----------------------------
                                                   Notary Public

                                       9
<PAGE>
                                    EXHIBIT A

                                   TRADEMARKS

<TABLE>
<CAPTION>
TRADEMARK                    JURISDICTION                      REGISTRATION NO.
<S>                          <C>                               <C>

</TABLE>

                                       10
<PAGE>
                                    EXHIBIT B

                                   CERTIFICATE

         The undersigned officer of CROSS MEDIA MARKETING CORPORATION (the
"Company") DOES HEREBY CERTIFY to FLEET NATIONAL BANK ("Agent") as agent for
itself and certain other financial institutions ("Lenders") as are parties from
time to time to the Credit Agreement among Agent, the Company, the other
borrowers noted therein and Lenders, that the quality of the products and/or
services associated with the Trademarks listed on Exhibit A of the Trademark
Security Agreement dated March 19, 2002 between the Company and Agent (as
amended from time to time to include future trademarks and trademark
applications) (the "Agreement"), has been maintained at a level consistent with
the quality of such products and/or services at the time of the execution of the
Agreement. IN WITNESS WHEREOF, the undersigned has executed this Certificate
this ___ day of March, 2002.

                                        CROSS MEDIA MARKETING CORPORATION

                                        By:
                                           ------------------------------------
                                        Name:
                                             ----------------------------------
                                        Title:
                                              ---------------------------------

                                       11

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