Document:

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                                                                     EXHIBIT 4.3

                       NAVIGATION TECHNOLOGIES CORPORATION

                             STOCK OPTION AGREEMENT

I.   NOTICE OF STOCK OPTION GRANT

     John MacLeod
     14 Portuguese Boulevard Road
     Rolling Hills, California 90274

     You have been granted an option (this "Option") to purchase shares of
Common Stock of the Company (each an "Option Share" and, collectively, the
"Option Shares"), subject to the terms and conditions of this Stock Option
Agreement dated as of September 18, 2000 (this "Option Agreement"), as follows:

     General Terms of this Option:

          Total Number of Option Shares           3,000,000

          Exercise Price per Option Share         $1.10

          Total Exercise Price                    $3,300,000

          Vesting Commencement Date               September 18, 2000

          Expiration Date:                        September 1, 2010

     Exercisability and Vesting:

     Notwithstanding anything herein to the contrary, this Option may be
exercised only to the extent it has become vested. Subject to the two
immediately succeeding paragraphs, this Option will vest and become exercisable
with respect to 1/48 of the Option Shares on October 1, 2000 and an additional
1/48 of the Option Shares on the first day of each month thereafter, subject to
your Continuous Status as an Employee on each such date.

     In the event of a Change of Control (as defined below), that portion of
this Option which has not yet vested as of the date of such Change of Control
will immediately vest and become

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exercisable simultaneously with the consummation of such Change of Control,
subject to your Continuous Status as an Employee until such Change of Control;
provided that, in the event your employment is terminated by the Company without
Cause (as defined in your Employment Agreement with the Company, dated as of
September 18, 2000 (your "Employment Agreement")) or you terminate your
employment with Good Reason (as defined in your Employment Agreement), in each
case at any time within the three month period immediately preceding such Change
of Control, then that portion of this Option which has not yet vested as of the
date of such Change of Control will still immediately vest and become
exercisable simultaneously with the consummation of such Change of Control. Any
portion of this Option which has not been exercised prior to or in connection
with a Change of Control will be forfeited.

     In the event that your employment is terminated by the Company without
Cause or is terminated by you with Good Reason, this Option will vest and become
exercisable with respect to an additional number of Option Shares equal to the
lesser of (i) 750,000 Option Shares (as adjusted for stock splits and
combinations) and (ii) that portion of this Option which had not yet vested as
of immediately prior to the termination of your Continuous Status as an
Employee.

     Except as otherwise provided herein, this Option, to the extent vested, may
be exercised in whole or in part at any time prior to the close of business on
the 90th day following the termination of your Continuous Status as an Employee.
Notwithstanding the foregoing, (i) in the event that you have voluntarily
terminated your employment without Good Reason, this Option, to the extent
vested, may be exercised in whole or in part at any time prior to the 60th day
following the termination of your Continuous Status as an Employee, (ii) in the
event of your death, this Option, to the extent vested, may be exercised in
whole or in part at any time during the 18 month period immediately following
your death, and (iii) in the event you have a Disability, this Option, to the
extent vested, may be exercised in whole or in part at any time during the 12
month period immediately following your Disability. Notwithstanding anything
herein to the contrary, in no event may all or any portion of this Option be
exercised later than the Expiration Date set forth above.

II.  DEFINITIONS

     As used herein, the following definitions shall apply:

     (a) "Board" means the Board of Directors of the Company.

     (b) "Change of Control" means the sale of the Company to an Independent
Third Party (as defined below) or affiliated group of Independent Third Parties
pursuant to which such party or parties acquire (i) capital stock of the Company
possessing the voting power under normal circumstances to elect a majority of
the Board (whether by merger, consolidation, sale or transfer of the Company's
capital stock) or (ii) all or substantially all of the Company's assets
determined on a consolidated basis.

                                      -2-
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     (c) "Code" means the Internal Revenue Code of 1986, as amended.

     (d) "Common Stock" means the Common Stock of the Company.

     (e) "Company" means Navigation Technologies Corporation, a Delaware
corporation.

     (f) "Continuous Status as an Employee" means that your employment with the
Company, or any Parent or Subsidiary of the Company, has not been interrupted or
terminated. Continuous Status as an Employee shall not be considered interrupted
in the case of (i) any leave of absence approved by the Company or (ii)
transfers between locations of the Company or between the Company, its Parent,
any Subsidiary, or any successor. A leave of absence approved by the Company
shall include sick leave, military leave, or any other personal leave approved
by an authorized representative of the Company.

     (g) "Disability" means total and permanent disability as defined in Section
22(e)(3) of the Code.

     (h) "Employee" means an individual who is employed by the Company or any
Parent or Subsidiary of the Company. Neither service as a director of the
Company or any Parent of Subsidiary of the Company nor payment of a director's
fee by any such entity shall be sufficient to classify such individual as an
"Employee."

     (i) "Fair Market Value" means, as of any date, the value of Common Stock
determined as follows:

          (a) If the Common Stock is listed on any established stock exchange or
a national market system (including, without limitation, the Nasdaq National
Market or The Nasdaq SmallCap Market of The Nasdaq Stock Market), its Fair
Market Value shall be the closing sales price for such stock (or the closing
bid, if no sales were reported) as quoted on such exchange or system for the
last market trading day prior to the time of determination, as reported in The
Wall Street Journal or such other source as the Board deems reliable;

          (b) If the Common Stock is regularly quoted by a recognized securities
dealer but selling prices are not reported, the Fair Market Value of a share of
Common Stock shall be the mean between the high bid and low asked prices for the
Common Stock on the last market trading day prior to the day of determination,
as reported in The Wall Street Journal or such other source as the Board deems
reliable;

          (c) In the absence of an established market for the Common Stock, the
Fair Market Value shall be determined in good faith by the Board.

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     (j) "Independent Third Party" means any person or entity who, immediately
prior to the contemplated transaction, does not own in excess of 5% of the
Company's common stock on a fully-diluted basis, who is not controlling,
controlled by or under common control with any such 5% owner of the Company's
common stock and who is not the spouse or descendent (by birth or adoption) of
any such 5% owner of the Company's common stock.

     (k) "Notice of Grant" means the written notice above evidencing certain
terms and conditions of this Option. The Notice of Grant is part of this Option
Agreement.

     (l) "Parent" means a "parent corporation" (whether now or hereafter
existing) as defined in Section 424(e) of the Code.

     (m) "Subsidiary" means a "subsidiary corporation" (whether now or hereafter
existing) as defined in Section 424(f) of the Code.

III. AGREEMENT

     1. Grant of Option. The Company hereby grants to John MacLeod ("you" or
"Optionee") this Option to purchase the number of Option Shares set forth in the
Notice of Grant, at the Exercise Price Per Option Share set forth in the Notice
of Grant (the "Exercise Price"), subject to the terms and conditions of this
Option Agreement. This Option is not intended to qualify as an Incentive Stock
Option under section 422 of the Code.

     2. Exercise of Option.

          (a) Right to Exercise. This Option is exercisable prior to the
Expiration Date (as set forth in the Notice of Grant) in accordance with the
Exercisability and Vesting provisions set forth in the Notice of Grant and the
other applicable provisions of this Option Agreement. In the event of Optionee's
death, Disability or other termination of Optionee's employment, the
exercisability of this Option is governed by the applicable Exercisability and
Vesting provisions set forth in the Notice of Grant and this Option Agreement.

          (b) Method of Exercise. This Option is exercisable by delivery of an
exercise notice, in the form attached as Exhibit A (the "Exercise Notice"),
which shall state the election to exercise this Option, the number of Option
Shares in respect of which this Option is being exercised (the "Exercised
Shares"), and such other representations and agreements as may be required by
the Company. The Exercise Notice shall be signed by the Optionee and shall be
delivered in person or by certified mail to the Secretary of the Company. The
Exercise Notice shall be accompanied by payment of the aggregate Exercise Price
as to all Exercised Shares. This Option shall be deemed to be exercised upon
receipt by the Company of such fully executed Exercise Notice accompanied by
such aggregate Exercise Price.

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     No Option Shares shall be issued pursuant to the exercise of this Option
unless such issuance and exercise complies with all relevant provisions of law
and the requirements of any stock exchange or quotation service upon which the
Company's Common Stock is then listed. Assuming such compliance, for income tax
purposes, the Exercised Shares shall be considered transferred to the Optionee
on the date this Option is exercised with respect to such Exercised Shares.

     3. Method of Payment. Payment of the aggregate Exercise Price shall be by
any of the following, or a combination thereof, at the election of the Optionee:

          (a) cash;

          (b) certified or cashiers check;

          (c) delivery of a properly executed notice together with such other
documentation as the Company and the broker, if applicable, shall require to
effect an exercise of this Option and delivery to the Company of the sale or
loan proceeds required to pay the exercise price; or

          (d) surrender of other shares of Common Stock of the Company which
have been owned by the Optionee for more than six (6) months on the date of
surrender and have a Fair Market Value on the date of surrender equal to the
aggregate Exercise Price of the Exercised Shares.

     4. Non-Transferability of Option. This Option may not be transferred in any
manner otherwise than by will or by the laws of descent or distribution or by
transfer to Optionee's spouse and/or descendants (whether natural or adopted) or
any entity in which you, your spouse and/or your descendants collectively own a
100% direct or indirect beneficial interest (collectively, "Permitted
Transferees"), provided that such Permitted Transferees have agreed in writing
to be bound by the provisions of this Option Agreement. This Option may be
exercised in accordance with the terms hereof during the lifetime of Optionee
only by the Optionee or Permitted Transferees. The terms of this Option
Agreement shall be binding upon the executors, administrators, heirs, successors
and assigns of both the Optionee and the Permitted Transferees.

     5. Term of this Option. This Option may not be exercised, in whole or in
part, after the Expiration Date set forth in the Notice of Grant.

     6. Lock-Up Period. Optionee hereby agrees that in connection with any
registration of the offering of any securities of the Company under the
Securities Act of 1933, as amended (the "Securities Act"), Optionee shall not
sell or otherwise transfer any Option Share during the 180-day period (or such
longer or shorter period as may be requested in writing by the Managing
Underwriter and agreed to in writing by the Company) (the "Market Standoff
Period") following the effective date of a registration statement of the Company
filed under the Securities Act. The

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Company may impose stop-transfer instructions with respect to securities subject
to the foregoing restrictions until the end of such Market Standoff Period.

     7. Optionee's Representations. In the event the Option Shares have not been
registered under the Securities Act of 1933, as amended, at the time this Option
is exercised, the Optionee shall, if required by the Company, concurrently with
the exercise of all or any portion of this Option, deliver to the Company his or
her Investment Representation Statement in the form attached hereto as Exhibit
B.

     8. Restrictions on Exercise. This Option may not be exercised if the
issuance of any Option Share upon such exercise or the method of payment of
consideration for any such Option Share would constitute a violation of any
applicable law. Optionee represents that when he exercises this Option, he will
be purchasing Option Shares for his own account and not on behalf of others.
Optionee understands and acknowledges that federal and state securities laws
govern and restrict his right to offer, sell or otherwise dispose of Option
Shares issued upon exercise of this Option unless such offer, sale or other
disposition thereof is registered under the Securities Act and state securities
laws, or in the opinion of the Company's counsel, such offer, sale or other
disposition is exempt from registration or qualification thereunder. Optionee
agrees that he will not offer, sell or otherwise dispose of any Option Share in
any manner which would: (i) require the Company to file any registration
statement with the Securities and Exchange Commission (or any similar filing
under state law) or to amend or supplement any such filing or (ii) violate or
cause the Company to violate the Securities Act, the rules and regulations
promulgated thereunder or any state or other federal law, or (iii) violate any
agreement between Optionee and the Company, including this Option Agreement.
Optionee further understands that all certificates evidencing any Option Share
purchased hereunder will bear such legends as the Company deems necessary or
desirable in connection with the Securities Act or other rules, regulations or
laws.

                                      -6-
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     9. Withholding of Taxes. The Company shall be entitled, if necessary or
desirable, to withhold from you from any amounts due and payable by the Company
to you (or secure payment from you in lieu of withholding) the amount of any
withholding or other tax due from the Company with respect to any Option Share
issued pursuant to this Option Agreement, and the Company may defer such
issuance unless indemnified by you to its satisfaction.

     10. Adjustments. In the event of a reorganization, recapitalization, stock
dividend or stock split, or combination or other similar change in the shares of
Common Stock, the Board will, in order to prevent the dilution or enlargement of
rights under this Option, make such adjustments in the number and type of Option
Shares covered by this Option and the Exercise Price specified herein as may be
reasonably determined by the Board to be appropriate and equitable. The issuance
by the Company of shares of stock of any class, or options or securities
exercisable or convertible into shares of stock of any class, for cash or
property, or for labor or services either upon direct sale or upon the exercise
of rights or warrants to subscribe therefor, or upon exercise or conversion of
other securities, shall not affect, and no adjustment by reason thereof shall be
made with respect to, the number or price of Option Shares subject to this
Option.

     11. Entire Agreement; Governing Law. This Option Agreement (including,
without limitation, the Notice of Grant) constitutes the entire agreement of the
parties with respect to the subject matter hereof and supersedes in their
entirety all prior undertakings and agreements of the Company and Optionee with
respect to the subject matter hereof, and may not be modified adversely to the
Optionee's interest except by means of a writing signed by the Company and
Optionee. This Option Agreement is governed by the laws of the State of Delaware
except for that body of law pertaining to conflict of laws. Each party hereby
irrevocably consents to the exclusive jurisdiction of the federal and state
courts located in Chicago, Illinois with respect to any actions arising in
connection with this Option Agreement that are not required by Section 12 below
to be arbitrated.

     12. Arbitration. Except as otherwise provided in this Section 12, any
controversy or claim arising out of or relating to this Option Agreement, or the
breach thereof, shall be settled by arbitration administered by the American
Arbitration Association in accordance with its Commercial Arbitration Rules, and
judgment on the award rendered by the arbitrators may be entered in any court
having jurisdiction thereof.

     Within fifteen (15) days after the commencement of arbitration, the Company
and Optionee shall each select one person to act as arbitrator and the two
selected shall select a third arbitrator within ten (10) days of their
appointment. If the arbitrators so selected are unable or fail to agree upon the
third arbitrator, or if either party fails to appoint an arbitrator, such
arbitrator or arbitrators shall be selected by the American Arbitration
Association.

     Each of the parties to this Option Agreement acknowledges that a breach of
this Option Agreement may cause the other party irreparable harm which may not
be adequately compensated by money damages. Therefore, in the event of a breach
or threatened breach by either

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the Company or Optionee, injunctive or other equitable relief will be available
to the other party, and any arbitrator acting pursuant to this Option Agreement
shall have the authority to provide such injunctive or other equitable relief.

     The arbitrators shall have the authority to award such remedies or relief
that a court of the State of Delaware could order or grant in an action governed
by Delaware law, including, without limitation, specific performance of any
obligation created under this Option Agreement, the issuance of an injunction or
the imposition of sanctions for abuse or frustration of the arbitration process.
The arbitration proceedings shall be conducted in Chicago, Illinois.

     Notwithstanding the foregoing, any party may bring and pursue an action in
any federal or state court located in Chicago, Illinois seeking provisional
relief, including a temporary restraining order or preliminary injunction,
pending an arbitration proceeding. Any provisional relief obtained shall be
discontinued once the arbitrators have assumed jurisdiction and ordered such
discontinuance.

     13. NO GUARANTEE OF EMPLOYMENT. OPTIONEE ACKNOWLEDGES AND AGREES THAT THE
VESTING OF OPTION SHARES PURSUANT TO THE VESTING PROVISIONS SET FORTH HEREIN IS
EARNED ONLY BY CONTINUING SERVICE AS AN EMPLOYEE AT THE WILL OF THE COMPANY (AND
NOT THROUGH THE ACT OF BEING HIRED, BEING GRANTED AN OPTION OR PURCHASING OPTION
SHARES HEREUNDER). OPTIONEE FURTHER ACKNOWLEDGES AND AGREES THAT THIS OPTION
AGREEMENT, THE TRANSACTIONS CONTEMPLATED HEREUNDER AND THE VESTING PROVISIONS
SET FORTH HEREIN DO NOT CONSTITUTE AN EXPRESS OR IMPLIED PROMISE OF CONTINUED
ENGAGEMENT AS AN EMPLOYEE OR CONSULTANT FOR THE VESTING PERIOD, FOR ANY PERIOD,
OR AT ALL, AND SHALL NOT INTERFERE WITH OPTIONEE'S RIGHT OR THE COMPANY'S RIGHT
TO TERMINATE OPTIONEE'S EMPLOYMENT AT ANY TIME, WITH OR WITHOUT CAUSE.

OPTIONEE HAS READ AND UNDERSTANDS SECTION 12, WHICH DISCUSSES ARBITRATION.
OPTIONEE UNDERSTANDS THAT BY SIGNING THIS OPTION AGREEMENT, OPTIONEE AGREES TO
SUBMIT ANY CLAIMS ARISING OUT OF, RELATING TO, OR IN CONNECTION WITH THIS OPTION
AGREEMENT TO BINDING ARBITRATION, AND THAT THIS ARBITRATION CLAUSE CONSTITUTES A
WAIVER OF OPTIONEE'S RIGHT TO A JURY TRIAL AND RELATES TO THE RESOLUTION OF ALL
DISPUTES RELATING TO ALL ASPECTS OF THIS RELATIONSHIP.

                                     * * * *

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By your signature and the signature of the Company's representative below, you
and the Company hereby agree that this Option is granted under and governed by
the terms of this Option Agreement (including, without limitation, the Notice of
Grant). In addition, your signature below evidences your acknowledgment that you
have reviewed this Option Agreement in its entirety, have had an opportunity to
obtain the advice of counsel prior to executing this Option Agreement and fully
understand all provisions of this Option Agreement. You also agree to notify the
Company upon any change in the residence address indicated below.

OPTIONEE:                                    NAVIGATION TECHNOLOGIES
                                             CORPORATION

/s/ John K. MacLeod                          /s/ Judson Green
----------------------------------           -----------------------------
Signature                                    By

----------------------------------           -----------------------------------
Print Name                                   Name

----------------------------------           President & Chief Executive Officer
                                             -----------------------------------
                                             Title
----------------------------------
Residence Address

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                                CONSENT OF SPOUSE

     The undersigned spouse of John MacLeod ("Optionee") has read and hereby
approves the terms and conditions of the foregoing Option Agreement dated as of
September 18, 2000 (the "Option Agreement") between the undersigned's spouse and
Navigation Technologies Corporation (the "Company"). In consideration of
granting the undersigned's spouse the right to purchase shares of the Company's
common stock as set forth in the Option Agreement, the undersigned hereby agrees
to be irrevocably bound by the terms and conditions of the Option Agreement and
further agrees that any community property interest shall be similarly bound.
The undersigned hereby appoints the undersigned's spouse as attorney-in-fact for
the undersigned with respect to any amendment or exercise of rights under the
Option Agreement.

/s/ Judith Goyette MacLeod
----------------------------------
Signature of Spouse of Optionee

----------------------------------
Print Name

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                                    EXHIBIT A

Navigation Technologies Corporation
10400 Higgins Road, Suite 400
Rosemont, Illinois 60018
Attention:  Secretary

                       NAVIGATION TECHNOLOGIES CORPORATION
                                 EXERCISE NOTICE

     1. Exercise of Option. Effective as of today, _________ __, 20__, the
undersigned ("Optionee") hereby elects to purchase _________ shares (the
"Shares") of the Common Stock of Navigation Technologies Corporation (the
"Company") under and pursuant to the Stock Option Agreement dated as of
September 18, 2000 (the "Option Agreement"). The aggregate purchase price for
the Shares shall be $__________, as required by the Option Agreement.

     2. Delivery of Payment. Optionee herewith delivers to the Company the
aggregate purchase price for the Shares.

     3. Representations of Optionee. Optionee acknowledges that Optionee has
received, read and understood the Option Agreement and agrees to abide by and be
bound by its terms and conditions.

     4. Rights as Shareholder. Until the stock certificate evidencing such
Shares is issued (as evidenced by the appropriate entry on the books of the
Company or of a duly authorized transfer agent of the Company), no right to vote
or receive dividends or any other rights as a shareholder shall exist with
respect to any Share, notwithstanding the exercise of this Option. A share
certificate for the number of Shares so acquired shall be issued to the Optionee
as soon as practicable after exercise of this Option.

     5. Tax Consultation. Optionee understands that Optionee may suffer adverse
tax consequences as a result of Optionee's purchase or disposition of the
Shares. Optionee represents that Optionee has consulted with any tax consultants
Optionee deems advisable in connection with the purchase or disposition of the
Shares and that Optionee is not relying on the Company for any tax advice.

     6. Entire Agreement; Governing Law. The Option Agreement is incorporated
herein by reference. This Agreement constitutes the entire agreement of the
parties and supersedes in their entirety all prior undertakings and agreements
of the Company and Optionee with respect to the subject matter hereof, and such
agreement is governed by the laws of the State of Delaware except for that body
of laws pertaining to conflict of laws. Should any provision of this Agreement
be

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determined by a court of law to be illegal or unenforceable, the other
provisions shall nevertheless remain effective and shall remain enforceable.

                       NAVIGATION TECHNOLOGIES CORPORATION
                           EXERCISE NOTICE (CONTINUED)

Submitted by:                                Accepted by:

OPTIONEE:                                    NAVIGATION TECHNOLOGIES
                                             CORPORATION

----------------------------                 --------------------------------
Signature                                    By

----------------------------                 --------------------------------
Print Name                                   Title

----------------------------                 --------------------------------
                                             Date Accepted
----------------------------
Address of Optionee

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                                    EXHIBIT B

                       INVESTMENT REPRESENTATION STATEMENT

OPTIONEE:

COMPANY:       NAVIGATION TECHNOLOGIES CORPORATION

SECURITY:      COMMON STOCK

AMOUNT:

DATE:

     In connection with the purchase of the above-listed Securities, the
undersigned Optionee represents to the Company the following:

     a. Optionee is aware of the Company's business affairs and financial
condition and has acquired sufficient information about the Company to reach an
informed and knowledgeable decision to acquire the Securities. Optionee is
acquiring these Securities for investment for Optionee's own account only and
not with a view to, or for resale in connection with, any "distribution" thereof
within the meaning of the Securities Act of 1933, as amended (the "Securities
Act").

     b. Optionee acknowledges and understands that the Securities constitute
"restricted securities" under the Securities Act and have not been registered
under the Securities Act in reliance upon a specific exemption therefrom, which
exemption depends upon, among other things, the bona fide nature of Optionee's
investment intent as expressed herein. In this connection, Optionee understands
that, in the view of the Securities and Exchange Commission, the statutory basis
for such exemption may be unavailable if Optionee's representation was
predicated solely upon a present intention to hold these Securities for the
minimum capital gains period specified under tax statutes, for a deferred sale,
for or until an increase or decrease in the market price of the Securities, or
for a period of one year or any other fixed period in the future. Optionee
further understands that the Securities must be held indefinitely unless they
are subsequently registered under the securities Act and that the Company is
under no obligation to register the Securities. Optionee understands that the
certificate evidencing the Securities will be imprinted with a legend which
prohibits the transfer of the Securities unless they are registered or such
registration is not required in the opinion of counsel satisfactory to the
Company, a legend prohibiting their transfer without the consent of the
Commissioner of Corporations of the State of California and any other legend
required under applicable state securities laws.

     c. Optionee is familiar with the provisions of Rule 701 and Rule 144, each
promulgated under the Securities Act, which in substance, permit limited public
resale of "restricted securities"

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acquired directly or indirectly from the issuer thereof in a non-public offering
subject to the satisfaction of certain conditions. Rule 701 provides that if the
issuer qualifies under rule 701 at the time of the grant of this Option to the
Optionee, the exercise will be exempt from registration under the Securities
Act. In the event the Company becomes subject to the reporting requirements of
Section 13 or 15(d) of the Securities Exchange Act of 1934, ninety (90) days
thereafter (or such longer period as any market stand-off agreement may require)
the Securities exempt under Rule 701 may be resold, subject to the satisfaction
of certain of the conditions specified by Rule 144, including: (1) the resale
being made through a broker in an unsolicited "broker's transaction" or in
transactions directly with a market maker (as said term is defined under the
Securities Exchange Act of 1934); and, in the case of an affiliate, (2) the
availability of certain public information about the Company, (3) the amount of
Securities being sold during any three month period not exceeding the
limitations specified in rule 144(e) and (4) the timely filing of a Form 144, if
applicable.

     In the event that the Company does not qualify under Rule 701 at the time
of grant of this Option, then the Securities may be resold in certain limited
circumstances subject to the provisions of rule 144, which requires the resale
to occur not less than one year after the later of the date the Securities were
sold by the Company or the date the Securities were sold by an affiliate of the
Company, within the meaning of rule 144; and, in the case of acquisition of the
Securities by an affiliate, or by a non-affiliate who subsequently holds the
Securities less than two years, the satisfaction of the conditions set forth in
sections (1), (2), (3) and (4) of the paragraph immediately above.

     d. Optionee further understands that in the event all of the applicable
requirements of Rule 701 or 144 are not satisfied, registration under the
Securities Act, compliance with Regulation A, or some other registration
exemption will be required; and that, notwithstanding the fact that Rules 144
and 701 are not exclusive, the Staff of the Securities and Exchange Commission
has expressed its opinion that persons proposing to sell private placement
securities other than in a registered offering or pursuant to Rules 144 or 701
will have a substantial burden of proof in establishing that an exemption from
registration is available for such offers or sales, and that such persons and
their respective brokers who participate in such transactions do so at their own
risk. Optionee understands that no assurances can be given that any such other
registration exemption will be available in such event.

                                           Signature of Optionee:

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

                                           Date:                         , 20
                                                ------------------   ----    ---<PAGE>
                                                                   EXHIBIT 10(k)

                         EXECUTIVE EMPLOYMENT AGREEMENT

         THIS EXECUTIVE EMPLOYMENT AGREEMENT (this "Agreement") is made and
entered into as of the __ day of _______, 2001 and to be effective as of the 1st
day of January, 2002 (the "Effective Date"), between Visual Data Corporation, a
Florida corporation, whose principal place of business is 1291 S.W. 29th Avenue,
Pompano Beach, Florida 33069 (the "Company") and Gail Babitt, an individual
whose address is 1409 N.E. 17th Avenue, Fort Lauderdale, Florida 33304 (the
"Executive").

                                    RECITALS

         A. The Company is a Florida corporation and is principally engaged in
the business of acquisition, marketing, development, distribution, and product
production of video information including hotel, resort and attraction specific
travel related information (the "Business").

         B. The Company presently employs the Executive and desires to continue
to employ the Executive and the Executive desires to continue in the employ of
the Company.

         C. The Company has established a valuable reputation and goodwill in
the Business.

         D. The Executive, by virtue of the Executive's employment with the
Company has become familiar with and possessed with the manner, methods, trade
secrets and other confidential information pertaining to the Company's business,
including the Company's client base.

         E. Any and all options granted to Executive preceding this Agreement
shall continue and not expire as a result of any options issued under this
Agreement.

         NOW, THEREFORE, in consideration of the mutual agreements herein made,
the Company and the Executive do hereby agree as follows:

         1. RECITALS. The above recitals are true, correct, and are herein
incorporated by reference.

         2. EMPLOYMENT. The Company hereby employs the Executive, and the
Executive hereby accepts employment, upon the terms and conditions hereinafter
set forth.

<PAGE>

         3. AUTHORITY AND POWER DURING EMPLOYMENT PERIOD.

                  a. DUTIES AND RESPONSIBILITIES. During the term of this
Agreement, the Executive shall serve as the Chief Financial Officer of the
Company and shall have general executive operating supervision over the
financial aspects and affairs of the Company, its subsidiaries and divisions,
subject to the guidelines and direction of the Board of Directors of the
Company.

                  b. TIME DEVOTED. Throughout the term of the Agreement, the
Executive shall devote substantially all of the Executive's business time and
attention to the business and affairs of the Company consistent with the
Executive's senior executive position with the Company, except for reasonable
vacations and except for illness or incapacity, but nothing in the Agreement
shall preclude the Executive from engaging in personal business including as a
member of the board of directors of related companies, charitable and community
affairs, provided that such activities do not interfere with the regular
performance of the Executive's duties and responsibilities under this Agreement.

         4. TERM. The Term of employment hereunder will commence on the date as
set forth above and terminate two (2) years from the Effective Date, and such
term shall automatically be extended for successive one (1) year terms
thereafter only upon the parties mutual consent, in writing, to extend the terms
of the Agreement.

         5. COMPENSATION AND BENEFITS.

                  a. SALARY. The Executive shall be paid a base salary (the
"Base Salary"), payable semi-monthly, at an annual rate of no less than One
Hundred Fifty-Five Thousand Dollars ($155,000) beginning January 1, 2002, with
annual incremental increases of ten (10%) percent per year, to be effective on
the anniversary date of this Agreement.

                  b. STOCK OPTIONS. The Executive shall be granted options
("Options") to purchase an aggregate of 100,000 shares of Common Stock at an
exercise price of $.75; such Options will be exercisable for a period of four
(4) years from the date of vesting, unless sooner terminated as described
herein. The Options shall vest, for the first year of this Agreement, in an
installment of 50,000 options; and shall vest for the following year in an
installment of 50,000 options. The options shall vest on each anniversary of the
Effective Date of this Agreement, subject to anti-dilution provisions relating
to adjustments in the event that the Company, among other things, declares stock
dividends, effects forward or reverse stock splits. In addition, the Options
shall automatically vest upon the happening of the following events: (i) change
of control of the Company, as defined herein; or (ii) termination of the
Executive other than for Cause, as defined herein. The unvested Options shall
automatically terminate upon the happening of the following: (i) the Executive's
termination for Cause, as defined herein; and (ii) the Executive's voluntary
termination.

                                       2
<PAGE>

                  c. EXECUTIVE BENEFITS. The Executive shall be entitled to
participate in all benefit programs of the Company currently existing or
hereafter made available to executives and/or other salaried employees,
including, but not limited to, pension and other retirement plans, group life
insurance, hospitalization, surgical and major medical coverage, sick leave,
disability and salary continuation, vacation and holidays, cellular telephone
and all related costs and expenses, long-term disability, and other fringe
benefits.

                  d. VACATION. During each fiscal year of the Company, the
Executive shall be entitled to reasonable vacation time and to utilize such
vacation as the Executive shall determine; provided however, that the Executive
shall evidence reasonable judgment with regard to appropriate vacation
scheduling. Notwithstanding the foregoing, Executive shall be entitled to four
(4) weeks vacation per year, with unused vacation accruing to the following
year.

                  e. BUSINESS EXPENSE REIMBURSEMENT. During the Term of
employment, the Executive shall be entitled to receive proper reimbursement for
all reasonable, out-of-pocket expenses incurred by the Executive (in accordance
with the policies and procedures established by the Company for its senior
executive officers) in performing services hereunder, provided the Executive
properly accounts therefor.

                  f. AUTOMOBILE EXPENSES. The Company shall provide the
Executive with an automobile allowance not to exceed $750.00 per month. The
Company shall pay all insurance premiums and maintenance for the automobile that
is the subject of the automobile allowance.

                  g. MEMBERSHIPS, DUES AND CHARITABLE CONTRIBUTIONS. The Company
shall provide to the Executive: (i) a membership in a social, charitable or
religious organization or club, which membership shall be either in the name of
the Executive or in the name of the Company, as determined by the Executive; or
(ii) an equivalent dollar amount of charitable donations or contributions shall
be made, which amounts and which charities shall be determined in the sole
discretion of the Executive; provided that such Membership, Dues and Charitable
Contributions shall not exceed Five Thousand Dollars ($5,000) per year.

                  h. PLACE OF EMPLOYMENT - MOVING ALLOWANCE. This Agreement is
entered into on the basis that the principal place of business of the Company,
and the location from which Executive is to be based for the performance of his
services hereunder, is Pompano Beach, Florida. In the event that the Company
shall change the location of Company's principal office, or otherwise require
Executive to be based and/or to operate from another location which is more than
fifty (50) miles further from Executive's then-current residence to the
Company's current headquarters office at 1291 S.W. 29th Avenue, Pompano Beach,
Florida 33069, Company shall reimburse Executive for all moving and relocation
expenses paid or incurred in connection with Executive's relocation to a new
residence closer to Company's new principal office.

                                       3
<PAGE>
         6. CONSEQUENCES OF TERMINATION OF EMPLOYMENT.

                  a. DEATH. In the event of the death of the Executive during
the Term, salary shall be paid to the Executive's designated beneficiary, or, in
the absence of such designation, to the estate or other legal representative of
the Executive for a period of six (6) months from and after the date of death.
Other death benefits will be determined in accordance with the terms of the
Company's benefit programs and plans.

                  b. DISABILITY.

                           (1) In the event of the Executive's disability, as
         hereinafter defined, the Executive shall be entitled to compensation in
         accordance with the Company's disability compensation practice for
         senior executives, including any separate arrangement or policy
         covering the Executive, but in all events the Executive shall continue
         to receive the Executive's salary for a period, at the annual rate in
         effect immediately prior to the commencement of disability, of not less
         than 180 days from the date on which the disability has been deemed to
         occur as hereinafter provided below. Any amounts provided for in this
         Section 6(b) shall not be offset by other long-term disability benefits
         provided to the Executive by the Company.

                           (2) "Disability," for the purposes of this Agreement,
         shall be deemed to have occurred in the event (A) the Executive is
         unable by reason of sickness or accident to perform the Executive's
         duties under this Agreement for an aggregate of 180 days in any
         twelve-month period or (B) the Executive has a guardian of the person
         or estate appointed by a court of competent jurisdiction. Termination
         due to disability shall be deemed to have occurred upon the first day
         of the month following the determination of disability as defined in
         the preceding sentence.

                           Anything herein to the contrary notwithstanding, if,
         following a termination of employment hereunder due to disability as
         provided in the preceding paragraph, the Executive becomes reemployed,
         whether as an Executive or a consultant to the Company, any salary,
         annual incentive payments or other benefits earned by the Executive
         from such reemployment shall offset any salary continuation due to the
         Executive hereunder commencing with the date of re-employment.

                  c. TERMINATION BY THE COMPANY FOR CAUSE.

                                       4
<PAGE>

                           (1) Nothing herein shall prevent the Company from
         terminating Employment for "Cause," as hereinafter defined. The
         Executive shall continue to receive salary only for the period ending
         upon such termination. Any rights and benefits the Executive may have
         in respect of any other compensation shall be determined in accordance
         with the terms of such other compensation arrangements or such plans or
         programs.

                           (2) "Cause" shall mean and include those actions or
         events specified below in subsections (A) through (E) to the extent the
         same occur, or the events constituting the same take place, subsequent
         to the date of execution of this Agreement: (A) Committing or
         participating in an injurious act of fraud, gross neglect or
         embezzlement against the Company; (B) committing or participating in
         any other injurious act or omission wantonly, willfully, recklessly or
         in a manner which was grossly negligent against the Company, monetarily
         or otherwise; (C) engaging in a criminal enterprise involving moral
         turpitude; (D) conviction of an act or acts constituting a felony under
         the laws of the United States or any state thereof; or (E) any
         assignment of this Agreement by the Executive in violation of Section
         14 of this Agreement. No actions, events or circumstances occurring or
         taking place at any time prior to the date of this Agreement shall in
         any event constitute or provide any basis for any termination of this
         Agreement for Cause;

                           (3) Notwithstanding anything else contained in this
         Agreement, this Agreement will not be deemed to have been terminated
         for Cause unless and until there shall have been delivered to the
         Executive a notice of termination stating that the Executive committed
         one of the types of conduct set forth in this Section 6(c) contained in
         this Agreement and specifying the particulars thereof and the Executive
         shall be given a thirty (30) day period to cure such conduct, if
         possible.

                  d. TERMINATION BY THE COMPANY OTHER THAN FOR CAUSE. The
foregoing notwithstanding, the Company may terminate the Executive's employment
for whatever reason it deems appropriate; provided, however, that in the event
such termination is not based on Cause, as provided in Section 6(c) above, the
Company may terminate this Agreement upon giving three (3) months' prior written
notice. During such three (3) month period, the Executive shall continue to
perform the Executive's duties pursuant to this Agreement, and the Company shall
continue to compensate the Executive in accordance with this Agreement.
Subsequent to such three (3) month period, the Executive shall be entitled to
receive Compensation and Benefits, in accordance with this Agreement, for a
period of: (i) three months if the termination occurs preceding the second
anniversary of the initial Term of this Agreement; or (ii) six months if the
termination occurs after the second anniversary of the initial Term of this
Agreement; including all benefits the Executive is entitled to under this
Agreement or additional benefits as provided by the Company to other Executives.
All options granted to the Executive prior to the date termination shall become
fully vested upon termination and will have the right of exercise through the
termination date of the individual option grant, or the maximum allowable by
law.

                                       5
<PAGE>

                  e. VOLUNTARY TERMINATION. In the event the Executive
terminates the Executive's employment on the Executive's own volition (except as
provided in Section 6(g)) prior to the expiration of the Term of this Agreement,
including any renewals thereof, such termination shall constitute a voluntary
termination and in such event the Executive shall be limited to the same rights
and benefits as provided in connection with a termination for Cause as provided
in Section 6(c). Notwithstanding the provisions of this Subsection (e), in the
event the Executive gives the Company two (2) months written notice of her
intent to voluntarily terminate this Agreement, she will be entitled to continue
to receive compensation in accordance with this Agreement during such period as
well as for one month subsequent to termination.

                  f. Omitted.

                  g. TERMINATION FOLLOWING A CHANGE OF CONTROL.

                           (1) In the event that a "Change in Control" of the
         Company shall occur at any time during the Term hereof, the Executive
         shall have the right to terminate the Executive's employment under this
         Agreement upon thirty (30) days written notice given at any time within
         one year after the occurrence of such event, and such termination of
         the Executive's employment with the Company pursuant to this Section
         6(g)(1), and, in any such event, such termination shall be deemed to be
         a Termination by the Company other than for Cause and the Executive
         shall be entitled to such Compensation and Benefits as set forth in
         Subsection 6(h) of this Agreement.

                           (2) For purposes of this Agreement, a "Change in
         Control" of the Company shall mean a change in control (A) as set forth
         in Section 280G of the Internal Revenue Code or (B) of a nature that
         would be required to be reported in response to Item 1 of the current
         report on Form 8K, as in effect on the date hereof, pursuant to Section
         13 or 15(d) of the Securities Exchange Act of 1934 (the "Exchange
         Act"); provided that, without limitation, such a change in control
         shall be deemed to have occurred at such time as:

                                    (A) any "person", other than the Executive,
                  (as such term is used in Section 13(d) and 14(d) of the
                  Exchange Act) is or becomes the "beneficial owner" (as defined
                  in Rule 13d-3 under the Exchange Act), directly or indirectly,
                  of securities of the Company representing fifty percent (50%)
                  or more of the combined voting power of the Company's
                  outstanding securities then having the right to vote at
                  elections of directors; or,

                                    (B) there is a failure to elect three or
                  more (or such number of directors as would constitute a
                  majority of the Board of Directors) candidates nominated by
                  management of the Company to the Board of Directors; or

                                       6
<PAGE>

                                    (C) the individuals who at the commencement
                  date of the Agreement constitute the Board of Directors cease
                  for any reason to constitute a majority thereof unless the
                  election, or nomination for election, of each new director was
                  approved by a vote of at least two thirds of the directors
                  then in office who were directors at the commencement of the
                  Agreement; or

                                    (D) the business of the Company for which
                  the Executive's services are principally performed is disposed
                  of by the Company pursuant to a partial or complete
                  liquidation of the Company, a sale of assets (including stock
                  of a subsidiary of the Company) or otherwise.

Anything herein to the contrary notwithstanding, this Section 6(g)(2) will not
apply where the Executive gives the Executive's explicit written waiver stating
that for the purposes of this Section 6(g)(2) a Change in Control shall not be
deemed to have occurred. The Executive's participation in any negotiations or
other matters in relation to a Change in Control shall in no way constitute such
a waiver which can only be given by an explicit written waiver as provided in
the preceding sentence.

                           (3) In the event that, within twelve (12) months of
         any Change in Control of the Company or any "Attempted Change in
         Control," as hereinafter defined of the Company, the Company terminates
         the employment of the Executive under this Agreement, other than for
         Cause as defined in Section 6(d), then, in any such event, such
         termination shall be deemed to be a Termination by the Company other
         than for Cause and the Executive shall be entitled to such Compensation
         and Benefits as set forth in Subsection 6(h) of this Agreement.

                  An "Attempted Change in Control" shall be deemed to have
occurred if any substantial attempt, accompanied by significant work efforts and
expenditures of money, is made to accomplish a Change in Control, as described
in subparagraphs (A), (B), (C) or (D) above whether or not such attempt is made
with the approval of a majority of the then current members of the Board of
Directors.

                  h. COMPENSATION AND BENEFITS UPON TERMINATION OF EXECUTIVE
EMPLOYMENT. In the event of any termination of Executive's employment other than
for Cause under Section 6(d), on the effective date of any such termination, the
Executive shall be entitled to receive the following:

                           (1) All life, disability, health insurance and other
         benefits pursuant to Section 5, to which she was entitled to continue
         to receive thirty (30) days prior to the Effective Date of such
         termination, for a period of six (6) months and which benefits shall be
         made for such period (as determined herein) following the effective
         date of such termination; plus

                                       7
<PAGE>

                           (2) All Options granted herein or any previous
         grants, vested or unvested, that the Executive is the holder of will be
         immediately vested hereunder. Executive will have the right to exercise
         all Options through the termination date of the individual option
         grant, or the maximum allowable by law.

         7. COVENANT NOT TO COMPETE AND NON-DISCLOSURE OF INFORMATION.

                  a. COVENANT NOT TO COMPETE. The Executive acknowledges and
recognizes the highly competitive nature of the Company's business and the
goodwill, continued patronage, and specifically the names and addresses of the
Company's Clients (as hereinafter defined) constitute a substantial asset of the
Company having been acquired through considerable time, money and effort.
Accordingly, in consideration of the execution of this Agreement, in the event
the Executive's employment is terminated by reason of disability pursuant to
Section 6(b) or for Cause pursuant to Section 6(c), then the Executive agrees to
the following:

                           (1) That during the Restricted Period (as hereinafter
         defined) and within the Restricted Area (as hereinafter defined), the
         Executive will not, individually or in conjunction with others,
         directly or indirectly, engage in any Competitive Business Activities
         (as hereinafter defined), whether as an officer, director, proprietor,
         employer, partner, independent contractor, investor (other than as a
         holder solely as an investment of less than 1% of the outstanding
         capital stock of a publicly traded corporation), consultant, advisor or
         agent.

                           (2) That during the Restricted Period and within the
         Restricted Area, the Executive will not, directly or indirectly,
         compete with the Company by soliciting, inducing or influencing any of
         the Company's Clients which have a business relationship with the
         Company at the time during the Restricted Period to discontinue or
         reduce the extent of such relationship with the Company.

                  b. NON-DISCLOSURE OF INFORMATION. In the event Executive's
employment has been terminated pursuant to either Section 6(b) or Section 6(c)
hereof, Executive agrees that, during the Restricted Period, Executive will not
use or disclose any Proprietary Information of the Company for the Executive's
own purposes or for the benefit of any entity engaged in Competitive Business
Activities. As used herein, the term "Proprietary Information" shall mean trade
secrets or confidential proprietary information of the Company which are
material to the conduct of the business of the Company. No information can be
considered Proprietary Information unless the same is a unique process or method
material to the conduct of Company's Business, or is a customer list or similar
list of persons engaged in business activities with Company, or if the same is
otherwise in the public domain or is required to be disclosed by order of any
court or by reason of any statute, law, rule, regulation, ordinance or other
governmental requirement. Executive further agrees that in the event his
employment is terminated pursuant to Sections 6(b) or 6(c) above, all Documents
in his possession at the time of his termination shall be returned to the
Company at the Company's principal place of business.

                                       8
<PAGE>

                  c. DOCUMENTS. "Documents" shall mean all original written,
recorded, or graphic matters whatsoever, and any and all copies thereof,
including, but not limited to: papers; books; records; tangible things;
correspondence; communications; telex messages; memoranda; work-papers; reports;
affidavits; statements; summaries; analyses; evaluations; client records and
information; agreements; agendas; advertisements; instructions; charges;
manuals; brochures; publications; directories; industry lists; schedules; price
lists; client lists; statistical records; training manuals; computer printouts;
books of account, records and invoices reflecting business operations; all
things similar to any of the foregoing however denominated. In all cases where
originals are not available, the term "Documents" shall also mean identical
copies of original documents or non-identical copies thereof.

                  d. COMPANY'S CLIENTS. The "Company's Clients" shall be deemed
to be any partnerships, corporations, professional associations or other
business organizations for whom the Company has performed Business Activities.

                  e. RESTRICTIVE PERIOD. The "Restrictive Period" shall be
deemed to be twelve (12) months following termination of this Agreement pursuant
to Sections 6(b) or 6(c) of this Agreement.

                  f. RESTRICTED AREA. The "Restricted Area" shall, if this
Agreement has been terminated pursuant to Section 6(b) or 6(c), be the area
commonly included as part of the "Standard Metropolitan Statistical Area" of
Pompano Beach, Florida.

                  g. COMPETITIVE BUSINESS ACTIVITIES. The term "Competitive
Business Activities" as used herein shall be deemed to mean the Business.

                  h. COVENANTS AS ESSENTIAL ELEMENTS OF THIS AGREEMENT. It is
understood by and between the parties hereto that the foregoing covenants
contained in Sections 7(a) and (b) are essential elements of this Agreement, and
that but for the agreement by the Executive to comply with such covenants, the
Company would not have agreed to enter into this Agreement. Such covenants by
the Executive shall be construed to be agreements independent of any other
provisions of this Agreement. The existence of any other claim or cause of
action, whether predicated on any other provision in this Agreement, or
otherwise, as a result of the relationship between the parties shall not
constitute a defense to the enforcement of such covenants against the Executive.

                  i. SURVIVAL AFTER TERMINATION OF AGREEMENT. Notwithstanding
anything to the contrary contained in this Agreement, the covenants in Sections
7(a) and (b) shall survive the termination of this Agreement and the Executive's
employment with the Company.

                  j. REMEDIES.

                                       9
<PAGE>

                           (1) The Executive acknowledges and agrees that the
         Company's remedy at law for a breach or threatened breach of any of the
         provisions of Section 7(a) or (b) herein would be inadequate and a
         breach thereof will cause irreparable harm to the Company. In
         recognition of this fact, in the event of a breach by the Executive of
         any of the provisions of Section 7(a) or (b), the Executive agrees
         that, in addition to any remedy at law available to the Company,
         including, but not limited to monetary damages, all rights of the
         Executive to payment or otherwise under this Agreement and all amounts
         then or thereafter due to the Executive from the Company under this
         Agreement may be terminated and the Company, without posting any bond,
         shall be entitled to obtain, and the Executive agrees not to oppose the
         Company's request for equitable relief in the form of specific
         performance, temporary restraining order, temporary or permanent
         injunction or any other equitable remedy which may then be available to
         the Company.

                           (2) The Executive acknowledges that the granting of a
         temporary injunction, temporary restraining order or permanent
         injunction merely prohibiting the use of Proprietary Information would
         not be an adequate remedy upon breach or threatened breach of Section
         7(a) or (b) and consequently agrees, upon proof of any such breach, to
         the granting of injunctive relief prohibiting any form of competition
         with the Company. Nothing herein contained shall be construed as
         prohibiting the Company from pursuing any other remedies available to
         it for such breach or threatened breach.

         8. INDEMNIFICATION.

                  a. The Executive shall continue to be covered by the Articles
of Incorporation and/or the Bylaws of the Company with respect to matters
occurring on or prior to the date of termination of the Executive's employment
with the Company, subject to all the provisions of Florida and Federal law and
the Articles of Incorporation and Bylaws of the Company then in effect. Such
reasonable expenses, including attorneys' fees, that may be covered by the
Articles of Incorporation and/or Bylaws of the Company shall be paid by the
Company on a current basis in accordance with such provision, the Company's
Articles of Incorporation and Florida law. To the extent that any such payments
by the Company pursuant to the Company's Articles of Incorporation and/or Bylaws
may be subject to repayment by the Executive pursuant to the provisions of the
Company's Articles of Incorporation or Bylaws, or pursuant to Florida or Federal
law, such repayment shall be due and payable by the Executive to the Company
within twelve (12) months after the termination of all proceedings, if any,
which relate to such repayment and to the Company's affairs for the period prior
to the date of termination of the Executive's employment with the Company and as
to which Executive has been covered by such applicable provisions.

                  b. The Company specifically acknowledges and agrees that the
Executive has personally guaranteed certain obligations on behalf of the Company
and further that the Executive is personally liable for certain obligations of
the Company. The Company shall indemnify and hold the Executive harmless from
any and all obligations that the Executive may incur, including, without

                                       10
<PAGE>

limitation, costs and attorneys fees in connection with such guaranties or
personal liabilities. Any costs or expenses that may be incurred by the
Executive in connection with such liabilities or guaranties shall be reimbursed
to the Executive, upon receipt by the Company of documented evidence of such
liabilities, within three (3) business days of the receipt of such documented
evidence.

         9. WITHHOLDING. Anything to the contrary notwithstanding, all payments
required to be made by the Company hereunder to the Executive or the Executive's
estate or beneficiaries shall be subject to the withholding of such amounts, if
any, relating to tax and other payroll deductions as the Company may reasonably
determine it should withhold pursuant to any applicable law or regulation. In
lieu of withholding such amounts, the Company may accept other arrangements
pursuant to which it is satisfied that such tax and other payroll obligations
will be satisfied in a manner complying with applicable law or regulation.

         10. CERTAIN TAX MATTERS. The Company shall indemnify and hold the
Executive harmless from and against (i) the imposition of excise tax (the
"Excise Tax") under Section 4999 of the Internal Revenue Code of 1986, as
amended (or any successor provision thereto, the "Code"), on any payment made
under this Agreement (including any payment made under this paragraph) and any
interest, penalties and additions to tax imposed in connection therewith, and
(ii) any federal, state or local income tax imposed on any payment made pursuant
to this paragraph. The Executive shall not take the position on any tax return
or other filing that any payment made under this Agreement is subject to the
Excise Tax, unless, in the opinion of independent tax counsel reasonably
acceptable to the Company, there is no reasonable basis for taking the position
that any such payment is not subject to the Excise Tax under U.S. tax law then
in effect. If the Internal Revenue Service makes a claim that any payment or
portion thereof is subject to the Excise Tax, at the Company's election, and the
Company's direction and expense, the Executive shall contest such claim;
provided, however, that the Company shall advance to the Executive the costs and
expenses of such contest, as incurred. For the purpose of determining the amount
of any payment under clause (ii) of the first sentence of this paragraph, the
Executive shall be deemed to pay federal income taxes at the highest marginal
rate of federal income taxation applicable to individuals in the calendar year
in which such indemnity payment is to be made and state and local income taxes
at the highest marginal rates of taxation applicable to individuals as are in
effect in the jurisdiction in which the Executive is resident, net of the
reduction in federal income taxes that is obtained from deduction of such state
and local taxes.

         11. NOTICES. Any notice required or permitted to be given under the
terms of this Agreement shall be sufficient if in writing and if sent postage
prepaid by registered or certified mail, return receipt requested; by overnight
delivery; by courier; or by confirmed telecopy, in the case of the Executive to
the Executive's last place of business or residence as shown on the records of

                                       11
<PAGE>

the Company, or in the case of the Company to its principal office as set forth
in the first paragraph of this Agreement, or at such other place as it may
designate.

         12. WAIVER. Unless agreed in writing, the failure of either party, at
any time, to require performance by the other of any provisions hereunder shall
not affect its right thereafter to enforce the same, nor shall a waiver by
either party of any breach of any provision hereof be taken or held to be a
waiver of any other preceding or succeeding breach of any term or provision of
this Agreement. No extension of time for the performance of any obligation or
act shall be deemed to be an extension of time for the performance of any other
obligation or act hereunder.

         13. COMPLETENESS AND MODIFICATION. This Agreement constitutes the
entire understanding between the parties hereto superseding all prior and
contemporaneous agreements or understandings among the parties hereto concerning
the Employment Agreement. This Agreement may be amended, modified, superseded or
canceled, and any of the terms, covenants, representations, warranties or
conditions hereof may be waived, only by a written instrument executed by the
parties or, in the case of a waiver, by the party to be charged.

         14. COUNTERPARTS. This Agreement may be executed in two or more
counterparts, each of which shall be deemed an original but all of which shall
constitute but one agreement.

         15. BINDING EFFECT/ASSIGNMENT. This Agreement shall be binding upon the
parties hereto, their heirs, legal representatives, successors and assigns. This
Agreement shall not be assignable by the Executive but shall be assignable by
the Company in connection with the sale, transfer or other disposition of its
business or to any of the Company's affiliates controlled by or under common
control with the Company.

         16. GOVERNING LAW. This Agreement shall become valid when executed and
accepted by Company. The parties agree that it shall be deemed made and entered
into in the State of Florida and shall be governed and construed under and in
accordance with the laws of the State of Florida. Anything in this Agreement to
the contrary notwithstanding, the Executive shall conduct the Executive's
business in a lawful manner and faithfully comply with applicable laws or
regulations of the state, city or other political subdivision in which the
Executive is located.

         17. FURTHER ASSURANCES. All parties hereto shall execute and deliver
such other instruments and do such other acts as may be necessary to carry out
the intent and purposes of this Agreement.

         18. HEADINGS. The headings of the sections are for convenience only and
shall not control or affect the meaning or construction or limit the scope or
intent of any of the provisions of this Agreement.

                                       12
<PAGE>

         19. SURVIVAL. Any termination of this Agreement shall not, however,
affect the ongoing provisions of this Agreement which shall survive such
termination in accordance with their terms.

         20. SEVERABILITY. The invalidity or unenforceability, in whole or in
part, of any covenant, promise or undertaking, or any section, subsection,
paragraph, sentence, clause, phrase or word or of any provision of this
Agreement shall not affect the validity or enforceability of the remaining
portions thereof.

         21. ENFORCEMENT. Should it become necessary for any party to institute
legal action to enforce the terms and conditions of this Agreement, the
successful party will be awarded reasonable attorneys' fees at all trial and
appellate levels, expenses and costs.

         22. VENUE. Company and Executive acknowledge and agree that the U.S.
District for the Southern District of Florida, or if such court lacks
jurisdiction, the 15th Judicial Circuit (or its successor) in and for Palm Beach
County, Florida, shall be the venue and exclusive proper forum in which to
adjudicate any case or controversy arising either, directly or indirectly, under
or in connection with this Agreement and the parties further agree that, in the
event of litigation arising out of or in connection with this Agreement in these
courts, they will not contest or challenge the jurisdiction or venue of these
courts.

         23. CONSTRUCTION. This Agreement shall be construed within the fair
meaning of each of its terms and not against the party drafting the document.

                                       13
<PAGE>

THE EXECUTIVE ACKNOWLEDGES THAT THE EXECUTIVE HAS READ ALL OF THE TERMS OF THIS
AGREEMENT, UNDERSTANDS THE AGREEMENT, AND AGREES TO ABIDE BY ITS TERMS AND
CONDITIONS.

         IN WITNESS WHEREOF, the parties have executed this Agreement as of date
set forth in the first paragraph of this Agreement.

Witness:                                    The Company:

                                            VISUAL DATA CORPORATION

                                            By:
                                               --------------------------------
                                                     Randy S. Selman
                                                     President

Witness:                                     The Executive

                                             ----------------------------------
                                                     Gail Babitt

                                       14
<PAGE>

                                    EXHIBIT A

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