Document:

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  CERTAIN PORTIONS OF THIS EXHIBIT HAVE BEEN OMITTED BASED UPON A REQUEST FOR
    CONFIDENTIAL TREATMENT.  THE OMITTED PORTIONS ARE DENOTED BY ASTERISKS.

                                    DATABASE
                             DEVELOPMENT AGREEMENT
                             ---------------------

          This Agreement (this "Agreement") is dated as of September 7, 1999
between Naviant Technology Solutions, Inc. ("NAVIANT"), a Delaware corporation
with an address at 14 Campus Boulevard, Suite 200, Newton Square, Pennsylvania
19073-3279, and 24/7 Media, Inc. ("24/7"), a Delaware corporation with an
address at 1250 Broadway, 28th fl, New York, NY 10001 (each of 24/7 and NAVIANT,
a "Party" and together, the "Parties").

WITNESSETH

          WHEREAS, NAVIANT has acquired assets from IntelliQuest Information
Group, Inc. ("IntelliQuest") relating to customer registration services for
computer hardware, software and peripheral companies, and, in connection with
such services, NAVIANT obtains identification data of technology users, and by
employing such identification data, develops demographic profiles of such
technology users;

          WHEREAS, 24/7 operates networks (the "24/7 Networks") of Internet web
sites for which it solicits advertisers regarding the placement of advertising
for display on such web sites and obtains identification data from registrants
thereto; and

          WHEREAS, the Parties desire to enter into this Agreement to supersede
the existing Database Development Agreement between IntelliQuest and 24/7 dated
October 2, 1998 (the "Original Agreement").

          NOW, THEREFORE, in consideration of the foregoing, the mutual
covenants and agreements contained herein and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, it
is agreed as follows:

        1.  License of NAVIANT data to 24/7.
            -------------------------------

            A.  License of Data.  NAVIANT hereby licenses in perpetuity, and
            --  ---------------
shall use commercially reasonable efforts to deliver to 24/7, data files
("NAVIANT Data File Records") (as defined below). The NAVIANT Data File Records
shall consist of the name, addresses and phone numbers of those consumers who
have granted the necessary permissions (in determining its whether necessary
permissions have been granted, NAVIANT shall consider the views of 24/7 and its
advisors) and all data available to NAVIANT from the NAVIANT High Tech Household
Database and other databases that are or become the property of NAVIANT
(collectively, the "HTHH Database"), where permissible and consistent with data
collection procedures associated with the HTHH Database. Each NAVIANT Data File
Record will also contain (i) a unique ID number, as mutually agreed to by the
Parties, that NAVIANT sets on the Internet browsers of registrants during the
registration process (each such number may be referred to as a cookie and the
process shall be referred to as "setting cookies"), in a manner mutually agreed
upon by 24/7 and NAVIANT, and (ii) certain other non-royalty based elements of
the HTHH Database as may be mutually agreed upon by the Parties. 24/7 shall not
provide any NAVIANT data to third parties; provided, however, that 24/7 may use
such data to enable
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Web sites affiliated with the 24/7 Networks to demographically segment their
audiences for targeted ad delivery via 24/7. All licenses granted hereunder
shall be subject to any pertinent third party data use restrictions that are
made known in writing to the licensee. In the event that the any such use
restrictions become unduly burdensome to the licensee, the licensor shall employ
commercially reasonable efforts to thereafter source demographic profiles from
an alternative source.

        B.  Schedule.  NAVIANT shall use commercially reasonable efforts to
        --  --------
start setting "cookies" in the registration process immediately after the
Effective Date. NAVIANT will employ commercially reasonable efforts to provide
new data (cookie ID number and appended data elements) monthly during the term
of this Agreement.

        C.  Audits.  During the term of the Agreement NAVIANT will have the
        --  ------
right to audit certain matters as related to the provision of NAVIANT Data File
Records, up to two times per year. NAVIANT may at certain intervals designate an
independent auditor to examine books and records pertaining to the provision of
NAVIANT Data File Records. Such examinations will take place during business
hours with five (5) days prior written notice and be performed in such a manner
as not to interfere with normal business operations. The audits will be
conducted at the expense of NAVIANT, unless the audit reveals non-conformance
with the terms of this Agreement.

    2.  Fees.  Beginning on February 1, 2001, and continuing through the end of
        ----
the Term, 24/7 shall purchase all NAVIANT Data File Records made available to it
by NAVIANT for a fee no higher than the lowest fee that NAVIANT sells to any
similarly situated customer, but, in any event, not more than ***** per Data
File Record. NAVIANT shall not charge 24/7 for any records that are NAVIANT Data
File Records that are duplicates of 24/7 Data File Records furnished by 24/7 to
NAVIANT or duplicates of records previously provided by NAVIANT to 24/7.

   3.  Data Services:  Data Matching.  NAVIANT will provide data matching
       -----------------------------
services for 24/7 for the purpose of targeting ads through the 24/7 Networks.
The data matching process includes; address standardization, validation, NCOA,
and appending of the HTHH data. NAVIANT shall charge 24/7 a fee for this
matching process, provided however, that said fee shall be no higher than the
lowest fee that NAVIANT charges for said services to any similarly situated
customer.

   4.  Banner Advertising.  24/7 will provide banner advertising inventory to
       ------------------
NAVIANT for the purpose of enabling NAVIANT to resell such inventory to its
clients for targeted banner advertising by consumer via the 247 Network.
NAVIANT shall make commercially reasonable efforts to resell such banner
inventory.  24/7 shall charge NAVIANT for this banner inventory a ***** CPM for
such inventory.

   5.  License of 24/7 Data to NAVIANT.
       -------------------------------

       A.  License.  Where permissible (in determining its whether necessary
       --  -------
permissions have been granted, 24/7 shall consider the views of NAVIANT and its
advisors) and consistent with data collection procedures associated with 24/7,
24/7 hereby licenses in

                                       2
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perpetuity, and shall use commercially reasonable efforts to deliver to NAVIANT
the names, phone numbers, addresses and other information of all individuals who
are identified to the 24/7 Networks, plus all on-line channel preference
activity information (based on, among other things, frequently visited sites)
(to be mutually defined by NAVIANT and 24/7, consistent with the terms of this
paragraph), for such individuals and for any of the NAVIANT Data File Records
provided by NAVIANT to 24/7 pursuant to Section 1, for NAVIANT's use (the "24/7
Data File Records"). NAVIANT shall not provide any 24/7 data to third parties,
provided, however, that NAVIANT shall have the right to use 24/7 data solely to
identify households that are Internet-enabled households for inclusion in the
NAVIANT HTHH Database.

       B.  Delivery.  24/7 will collect, and deliver to NAVIANT, 24/7 Data File
       --  --------
Records as soon as it is technologically able to do so and will deliver new
records on a monthly basis.

       C.  Fees.  NAVIANT, at its option, may purchase all 24/7 Data File
       --  ----
Records made available to it by 24/7 for the lowest fee that 24/7 sells 24/7
Data File Records to any similarly situated customer, but not more than *****
per 24/7 24/7 Data File Record. 24/7 shall not charge NAVIANT Data File Records
furnished by NAVIANT to 24/7 or duplicates of records previously provided by
24/7 to NAVIANT.

       D.  Audits.  During the term of the Agreement 24/7 will have the right
       --  ------
to audit certain matters as related to the provision of 24/7 Data File Records,
up to two times per year. 24/7 may at certain intervals designate an independent
auditor to examine books and records pertaining to the provision of 24/7 Data
File Records. Such examinations will take place during business hours with five
(5) days prior written notice and be performed in such a manner as not to
interfere with normal business operations. The audits will be conducted at the
expense of 24/7, unless the audit reveals non-conformance with the terms of this
Agreement.

   6.  Exclusivity.
       -----------

       A.  Prior to January 1, 2002, NAVIANT will not, without 24/7's written
consent, provide any products or services for DoubleClick, Flycast, ADSmart,
Real Media ValueClick, Winstar Interactive, Cybereps, Latitude 90, Burst,
AdForce, NetGravity, LinkExchange, Engage Technologies, and NetPerceptions and
any other companies that compete directly in a material manner with 24/7 Media's
business of selling inventory on behalf of third party Web sites. It is
understood and agreed that NAVIANT may perform any services and provide all
products to @Home/Excite.

       B.  Until January 1, 2002, 24/7 will use NAVIANT as its exclusive data
source of data derived from the business of processing third party product
registration data (registration data) and will not enter into a similar
agreement with other providers of technology customer or product registration
services such as Husdawg, Leader, SoftBank, Axtive, and Encompass.

       C.  NAVIANT acknowledges that 24/7 seeks to solicit registration data
from 24/7's networks of Web sites for inclusion in 24/7 Profilz.

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       D.  Prior to January 1, 2002, 24/7 Media will not, without NAVIANT's
written consent, provide any user registration data to Experian, Polk, or Axciom
and other data source providers that compete directly in a material manner with
NAVIANT's business of selling demographic records that identify Internet enabled
households. 24/7 and NAVIANT shall confer regularly during the Term and shall
each negotiate diligently and in good faith to minimize to the greatest extent
possible any sales conflicts between the parties, including conflicts with
24/7's Web sites.

   7.  Intellectual Property.
       ---------------------

       A.  All hardware, software, programs, codes, trade names, technology,
intellectual property, licenses, patents, trademarks, copyrights, trade secrets,
know-how, and processes (collectively, the "24/7 Technology") used by 24/7 under
this Agreement shall remain the sole property of 24/7.  NAVIANT shall have no
rights, title or interest in the 24/7 Technology.  All hardware, software,
programs, codes, trade names, technology, intellectual property, licenses,
patents, trademarks, copyrights, trade secrets, know-how, and processes
(collectively, the NAVIANT Technology") used by NAVIANT under this Agreement
shall remain the sole property of NAVIANT.  24/7 shall have no rights, title or
interest in the NAVIANT technology.  Upon the expiration or termination of this
Agreement, each party shall promptly return all information, documents, manuals
and other materials belonging to the other party except as otherwise provided in
this Agreement.

       B.  Upon termination or expiration of this Agreement, NAVIANT shall
retain ownership of the 24/7 Data File Records and 24/7 shall retain ownership
of the NAVIANT Data File Records, subject to the terms of each party's license
of such data from third parties.

   8.  Confidentiality.  24/7 and NAVIANT covenant to each other that neither
    ---------------
party shall disclose to any third party (other than its employees and directors,
in their capacity as such, and the employees and directors of any affiliate on a
need-to-know basis so long as such persons are bound by the terms of this
Agreement) any information regarding the terms and provisions of this Agreement
or any non-public confidential information which has been identified in writing
as such by the other Party hereto except (i) to the extent necessary to comply
with any law or valid order of a court of competent jurisdiction (or any
regulatory or administrative tribunal), in which event the party so complying
shall so notify in writing the other party as promptly as practicable (and, if
possible, prior to making any disclosure) and shall seek confidential treatment
of such information, if available; (ii) as part of its normal reporting or
review procedure to its auditors or its attorneys, as the case may be, so long
as such persons are notified of the provisions of this Agreement and subject to
the confidentiality provisions herein; (iii) in connection with any filing with
any governmental body or as otherwise required by law, including the federal
securities laws and any applicable rules and regulations of any stock exchange
or quotation system, provided that the written consent of the non-disclosing
party is obtained; and (iv) in a confidential disclosure made in connection with
a contemplated financing, merger, consolidation or sale of capital stock of 24/7
or NAVIANT, provided that the third parties receiving such information are
subject to the confidentiality provisions herein. Information which is or should
be reasonably understood to be confidential or proprietary includes, but is not
limited to, the NAVIANT Data File Records, the 24/7 Data File Records,
information about the 24/7 Network, sales, cost and other unpublished financial
information,

                                       4
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product and business plans, projections, marketing data, and sponsors but shall
not include information (a) previously lawfully known to or independently
developed by a third party, (b) disclosed in publicly available materials, (c)
generally known to the public or (d) lawfully obtained from any third party.
This Section 7 shall survive the termination or expiration of this Agreement for
a period of three (3) years.

   9.  Term.  The term of this Agreement (the "Term") shall commence on the date
       ----
hereof and shall continue in effect until December 31, 2002.  If a party
materially breaches a material provision of this Agreement, the other party may
terminate this Agreement upon thirty (30) days written notice unless the breach
is cured within the notice period.

   10.  24/7 and NAVIANT agree not to employ or solicit for employment, directly
or indirectly, any of the other's employees during the term of this Agreement
and for a period of one (1) year after termination of this Agreement, including
all renewal periods.

   11.  Indemnification.  NAVIANT shall defend, indemnify and hold harmless 24/7
        ---------------
against and in respect of any and all claims, suits, actions, proceedings
(formal and informal), investigations, judgments, deficiencies, damages,
settlements, liabilities, and legal and other expenses (including reasonable
legal fees and expenses of attorneys chosen by 24/7) ("Claims") as and when
incurred, arising out of or based upon any act or omission or alleged act or
alleged omission by NAVIANT in connection with the acceptance of, or the
performance or non-performance by NAVIANT of, any of its duties under this
Agreement or arising from the breach by NAVIANT of its warranties,
representations or covenants contained in this Agreement.  24/7 shall defend,
indemnify and hold harmless NAVIANT, against and in respect of any and all
Claims as and when incurred, arising out of or based upon any act or omission or
alleged act or alleged omission by 24/7 in connection with the acceptance of, or
the performance or non-performance by 24/7 of, any of its duties under this
Agreement or arising from the breach by 24/7 of its warranties, representations
or covenants contained in this Agreement.

   12.  Limitation of Liability.  Neither party will be liable for any failure
        -----------------------
to perform any obligation hereunder, or from any delay in the performance
thereof, due to causes beyond its control, including industrial disputes of any
nature, acts of God, acts of any public enemy, acts of government, failure of
telecommunications, fire or other casualty. Under no circumstances will either
party, its affiliates or their respective officers, directors, employees be
liable for any incidental, special or consequential damages with respect to each
party's obligations under this Agreement, regardless of whether such damages
could have been foreseen or prevented.

   13.  Representations and Warranties.
        ------------------------------

        A.  24/7 represents and warrants to NAVIANT that (a) the execution,
delivery and performance by 24/7 of this Agreement do not and will not (i)
violate the organization documents of 24/7, (ii) violate any applicable law,
rule, regulation, judgment, injunction, order or decree, including, but not
limited to, privacy laws, or (iii) require any notice or consent or other action
by any person under, constitute a default under, or give rise to any right of
termination, cancellation or acceleration of any right or obligation of 24/7 or
to a loss of any benefit to which 24/7 is entitled under, any agreement or other
instrument binding upon 24/7 or any license, franchise, permit or other similar
authorization held by 24/7, and (b) all obligations

                                       5
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owed to third parties with respect to 24/7's performance of its obligations
hereunder shall be fully paid by 24/7, so that NAVIANT shall not have any
obligations with respect thereto.

        B.   NAVIANT hereby represents and warrants to 24/7 that (a) the
execution, delivery and performance by NAVIANT of this Agreement does not and
will not (i) violate the organizational documents of NAVIANT, (ii) violate any
applicable law, rule, regulation, judgment, injunction, order or decree, or
(iii) require any notice or consent or other action by any person under,
constitute a default under, or give rise to any right of termination,
cancellation or acceleration of any right or obligation of NAVIANT or to a loss
of any benefit to which NAVIANT is entitled under, any agreement or other
instrument binding upon NAVIANT or any license, franchise, permit or other
similar authorization held by NAVIANT, and (b) all obligations owed to third
parties with respect to NAVIANT's performance of its obligations hereunder shall
be fully paid by NAVIANT, so that 24/7 shall not have any obligations with
respect thereto.

   14.  Publicity. Neither party will make or issue any public statement or
        ---------
announcement regarding the existence of this Agreement unless (a) it has
received the express written consent of the other party, which will not be
unreasonably withheld or (b) it is required to do so by law or regulation,
including the federal securities laws and any applicable rules and regulations
of any stock exchange or quotation system.

   15.  No Waiver. No provision of this Agreement shall be waived or modified
        ---------
except by a written consent to that effect signed by each of NAVIANT and 24/7.

   16.  Governing Law.  This Agreement shall be governed by and construed in
        -------------
accordance with the laws of the State of New York applicable to contracts made
and performed therein, without regard to principles of conflicts of laws.

   17.  Notices.  All notices required or permitted to be given hereunder shall
        -------
be in writing and either hand-delivered, telecopied, mailed by certified first
class mail, postage prepaid, or sent via electronic mail to the other party
hereto at the addresses set forth in the preamble hereto.  A notice shall be
deemed given when delivered personally, when the telecopied notice is
transmitted by the sender, one day after mailing by overnight courier, three
business days after mailing by certified first class mail, or on the delivery
date if successfully transmitted by electronic mail.  Notice shall be given to
the addresses set forth in the first paragraph of this Agreement, and shall be
addressed to "Legal Department".

   18.  Assignment.  Neither this Agreement, nor the license granted hereunder,
        ----------
may be assigned to any third party by operation of law or otherwise without the
express written consent of the other party, which may not be unreasonably
withheld.  Notwithstanding the foregoing, if a successor in interest acquires
more than 51% of the assets of NAVIANT, it shall have the right to terminate all
exclusivity portions of this Agreement on six months' notice to 24/7, but not
prior to January 31, 2001.  If a successor in interest acquires more than 51% of
the assets of 24/7, NAVIANT shall have the right to consent to such entity's
assumption of this agreement, such consent not to be unreasonably withheld.  If
a successor in interest acquires more than 51% of the assets of NAVIANT, 24/7
shall have the right to consent to such entity's assumption of this Agreement,
such consent not to be unreasonably withheld.

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<PAGE>

   19.  Entire Agreement.  This Agreement constitutes the entire agreement and
        ----------------
supersedes all prior agreements of the Parties with respect to the transactions
set forth herein and, except as otherwise expressly provided herein, is not
intended to confer upon any other person any rights or remedies hereunder.

   20.  Counterparts.  This Agreement may be executed by facsimile in
        ------------
counterparts, each of which shall be deemed an original and all of which
together shall constitute one and the same document.

   21.  Acknowledgement and Consent.  24/7 and NAVIANT each hereby acknowledge
        ---------------------------
that IntelliQuest has assigned its rights and obligations under the Amended
Database License Agreement. NAVIANT, and 24/7 hereby consents to and approves
such assignment and 24/7 and NAVIANT agree that NAVIANT shall be entitled to all
of IntelliQuest's rights and subject to all of IntelliQuest's obligations
thereunder from and after the date hereof. This Agreement shall replace and
supersede the Original Agreement in its entirety.

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

                                          24/7 MEDIA, INC.

                                          By:___________________________
                                          Name:_________________________
                                          Title:________________________

                                          NAVIANT TECHNOLOGY SOLUTIONS, INC.

                                          By:___________________________
                                          Name:_________________________
                                          Title:________________________

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<PAGE>

Naviant
14 Camputs Boulevard
Suite 200
Newton Square, PA 19073-3279

February 10, 2000

24/7 Media, Inc.
1250 Broadway, 28th Floor
New York, New York 10001-3701

Attn:  Mr. David J. Moore

Dear David:

As you may know, Naivant, Inc. ("Naviant") proposes to enter into a strategic
relationship (the "Strategic Relationship") with Young & Rubicam Inc. ("Y&R").
One component of the Strategic Relationship is a license of certain portions osf
Naviant's proprietary database (the "Database") to Y&R for purposes of data
mining, analyticas and modeling by Y&R for its own behalf and on behalf of its
clients.

This letterserves to confirm our agreement that Naviant may include as part of
the Database licensed to Y&R the data fields licensed by 24/7 Media, Inc.
("24/7") to Naviant pursuant to that certain Database Development Agreement
dated September 7, 1999 between 24/7 and Naviant, (the "Agreement") provided,
that (i) Naviant and Y&R must represent and wrrant to 24/7 that the use and
distribution by Naviant Or Y&R of all 24/7 Data File Records (as defined in the
Agreement) shall comply fully with all of 24/7's policies relating to the
collection of electronic information, and use and distribution of such
information, in effect at the time of the collection, use or distribution of
such data fields; (ii) Naviant shall agree that the amount payable by Naviant
per 24/7 Data File Record under Section 5.C of the Agreement shall be increased
effective immediately to the lower of (a) ***** or (b) ***** higher than the
lowest fee at which 24/7 sells 24/7 Data File Records to any similarly situated
customer; and (iii) Y&R must agree that any data mining, analytics and/or
modeling results generated by Y&R using data of 24/7 origin shall be owned by
Y&R, but Naviant and 24/7 shall be granted a non-exclusive perpetual license in
such results.

If you believe the foregoing represents the understanding of Naviant and 24/7
regarding this matter, please indicate so by signing this letter agreement in
the space provided below.

                                 Very truly yours,

                                 NAVIANT, INC.

                                 By:     /s/ Charles W. Stryker
                                         --------------------------------------
                                 Name:   Charles W. Stryker, Ph.D.
                                 Title:  President and Chief Executive Officer

                                       8
<PAGE>

AGREED AND ACCEPTED:

24/7 MEDIA, INC.

By:  /s/ David J. Moore
     -----------------------------------
Name:   David J. Moore
Title:  President and Chief Executive Officer

                                       9<PAGE>

                                 CONFIDENTIAL
                                 ------------

  CERTAIN PORTIONS OF THIS EXHIBIT HAVE BEEN OMITTED BASED UPON A REQUEST FOR
    CONFIDENTIAL TREATMENT.  THE OMITTED PORTIONS ARE DENOTED BY ASTERISKS.

                 CUSTOMER ACQUISITION AND ADVERTISING AGREEMENT

This agreement ("Agreement") is entered into as of the 10th day of September,
1999 ("Effective Date"), by and between Excite, Inc., a wholly owned subsidiary
of At Home Corporation, located at 450 Broadway, Redwood City, California 94063
("Excite") and Naviant Technology Solutions, Inc., a Delaware corporation,
located at 14 Campus Boulevard. Suite 200, New Town Square PA 19073 ("Naviant").

                                    RECITALS

A. Excite maintains a site on the Internet at http://www.excite.com (the "Excite
   Site"), which, among other things, allows its users to search for and access
   content and other sites on the Internet.

B. Naviant operates an electronic registration service (the "Naviant
   Registration Service") for vendors of various products and services
   ("Registration Client").

C. Excite and Naviant wish to enable users of the Naviant Registration Service
   to have an Excite membership created for them when registering under the
   Naviant Registration Service and Naviant wishes to sell advertising on the
   Excite Site targeted to such users.

Therefore, the parties agree as follows:

1.  NAVIANT REGISTRATION

    a)          Beginning on October 1, 1999 (the "Launch Date"), Naviant will
        offer all potential registrants of the Naviant Registration Service the
        option of having an Excite membership created for them, at the time they
        register for a client product; provided the applicable Registration
        Client allows Naviant to offer Excite membership to registrants. Naviant
        will use commercially reasonable efforts to encourage Registration
        Clients to permit the inclusion of the Excite membership option.

    b)          The Excite membership option will be displayed prominently on
        all registration pages. The parties will work together to develop the
        copy and placement of this Excite membership option.

    c)          Excite and Naviant will collaborate on the development of a
        compelling PC OEM/ISP registration process for combined ISP and Excite
        registration.
<PAGE>

    d)          Naviant will collect the data set out in Exhibit A hereto (the
        "Excite Registration Data") from registrants who opt for Excite
        membership (the "Excite Registrants").

    e)          Naviant and Excite will determine mutually agreeable methods for
        the transmission of the Excite Registration Data to Excite, such that,
        where possible, the Naviant registration will be integrated with the
        Excite Universal Registration System on a real time basis and the user
        is sent to an Excite URL to complete Excite registration upon completion
        of the Naviant registration process.

    f)          Naviant will have sole responsibility for providing, hosting and
        maintaining at its expense, the Naviant Registration Service. Excite
        will have sole responsibility for providing, hosting and maintaining at
        its expense, the. Excite Universal Registration System.

    g)          Naviant will cause the Naviant Registration Service software to
        modify the browsers of the Excite Registrants to (1) start at
        www.excite.com or another Excite URL to be determined by Excite; (2)
        have the home button reprogrammed to www.excite.com, or another Excite
        URL to be determined by Excite; and (3) have the browser search button
        point to an Excite URL determined by Excite.

    h)          Excite may, upon fifteen (15) days prior notice to Naviant,
        request reasonable revisions to the Excite membership registration
        option as needed to reflect changes that will not adversely affect
        Naviant, such as changes to the user data collected, changes to Excite's
        name and/or brand, or changes to the URLs for the links to the Excite
        Site. Naviant will use reasonable efforts to accommodate Excite's
        requested changes within the fifteen (15) day period.

    i)          During the term of this Agreement, Naviant shall not (i)
        integrate its registration system with, (ii) market its registration
        data with Excite membership or usage as a selection or identifying
        criteria to, or (iii) collect or participate in the collection of
        registration data for a competing product ***** services. Not more than
        once per quarter, Excite may update this list of competitors.

2.  ADVERTISING ON EXCITE SITE AND PAYMENT TO NAVIANT

    a)          Except as specifically provided in this Agreement, Excite will
        be solely responsible for selling advertising on the Excite Site
        Beginning on the Launch Date, Excite will pay Naviant on a quarterly
        basis forty percent (40%) of the "Net Advertising Revenue" that accrues
        to Excite during the term of this Agreement from banner advertising that
        appears on those page views generated by Excite Registrants sourced from
        Naviant. "Net Advertising Revenue" means all banner advertising revenue
        that accrues to Excite during the applicable payment period, minus forty
        percent (40%) of such revenue (representing Excite's costs for internal
        and external sales commissions, hosting expenses and content).

    b)          Payments by Excite to Naviant will be due within forty five (45)
        days of the end of each calendar quarter.

                                       2
<PAGE>

    c)  With each payment, Excite will provide to Naviant documentation
reasonably detailing the calculation of the payment.

    d)          Excite will maintain accurate records with respect to the
        calculation of all payments due under this Agreement. Naviant may, upon
        no less than thirty (30) days prior written notice to Excite and no more
        than once per year, cause an independent Certified Public Accountant to
        inspect the records of Excite reasonably related to the calculation of
        such payments during Excite's normal business hours. The fees charged by
        such Certified Public Accountant in connection with the inspection will
        be paid by Naviant, unless the Certified Public Accountant discovers an
        underpayment of greater than 10%, in which case Excite will pay such
        fees.

3.  PROMOTION

    Neither party will make any public statement, press release or other
    announcement relating to the terms of or existence of this Agreement
    without the prior written approval of the other.

4.  NAVIANT PURCHASE OF ADVERTISING ON THE EXCITE SITE

    a)          Naviant shall provide to Excite a copy of the Naviant High-Tech
        Household Database (the "HTHH Database") for use by Excite to match such
        records against the Excite registered users database to create a
        database of users (the "Naviant User Pool") for use by Naviant and its
        clients to target advertisements on the Excite Site. Excite will provide
        Naviant with a cookie or other identifying number for Naviant to
        identify the users Included in the Naviant User Pool.

    b)          Subject to availability as determined by Excite, Naviant shall
        purchase banner advertisements, on the Excite Site for resale to its
        Registration Clients and other clients in the minimum quarterly amounts
        set forth in Exhibit B ("Minimum Quarterly Purchase Amount") to be
        targeted to users registered on Excite through the Naviant registration
        service. Fees for advertising inventory made available shall be payable
        on a monthly basis as set forth in Exhibit B.

    c)          Banner impression purchased for delivery to users registered on
        Excite through the Naviant Registration Service shall be charged against
        the. Minimum Quarterly Purchase Amount at the rate of *****, Naviant may
        purchase banner impressions to be sold to their clients for delivery to
        users in the Naviant User Pool, but not registered to Excite via the
        Naviant registration service at the rate of *****; provided however,
        such purchases shall be credited against the Minimum Quarterly Purchase
        Amount at a rate of *****. The ***** price includes targeting to the
        Naviant User Pool. Naviant shall have right to resell purchased
        inventory at any price to its clients.

                                       3
<PAGE>

    d)          Naviant may, subject to availability and approval of Excite,
        purchase additional inventory from Excite for resale to Registration
        Clients at the rate of *****.

    e)          Naviant shall comply with all Excite guidelines for advertisers
        in effect from time to time, including but not limited to those
        guidelines set out in Exhibit C hereto. Excite will have the right to
        reject any advertisement which does not comply with such guidelines. In
        addition, in the event that Excite deems, in its sole discretion, that
        any advertising sold by Naviant is inappropriate to Excite's interests,
        Excite may choose not to display the advertising. Due to the one-to-one
        targeting of these impressions, MatchLogic, Inc. will need to perform
        all ad serving under this Agreement and Naviant and its advertisers will
        need to coordinate directly, at Excite's option, with either MatchLogic
        Inc. or Excite for ad serving. The cost of ad serving is included in the
        *****.

    f)          Naviant will not sell banner advertising to be displayed on the
        Excite Site to Excite's Competitors advertising or promoting competing
        products to those offered by Excite as provided in Exhibit D, or any
        other Web site promoting itself as a provider of Internet search and
        navigation services. Not more than once per quarter, Excite may update
        this list of competitors. Within twenty-four (24) hours of delivery of
        Excite's written update, Excite will be entitled to remove any Naviant
        client advertising from Excite's listed competitors.

    g)          Excite will have the right to determine, in its sole discretion,
        where on the Excite Site it will serve the purchased impressions to the
        designated users. Excite will use commercially reasonable efforts to
        serve all purchased banner inventory to the specified users from the
        Naviant User Pool. However, in the event that Excite is not able to
        serve all purchased impressions to the users requested, Excite will
        deliver such impressions through either targeted inventory from
        subsequent quarters, or targeted email. If at the expiration of the term
        Excite has not provided the purchased impressions, the term will be
        extended for the lesser of (i) 90 (ninety) days or (ii) the number of
        days necessary to provide purchased impressions. This obligation states
        Excite's entire liability for Excite's delivery of the purchased
        impressions under this Agreement.

     Within thirty (30) days following the end of each calendar quarter, Excite
          shall provide to Naviant a detailed report outlining the impressions
          served by Excite for the quarter just ended.

     //

     //

     //

                                       4
<PAGE>

5.  USER DATA

    a)          Subject to Subsection 5 b), below Naviant will retain all right,
        title and interest in and to the HHTD Database worldwide (including, but
        not limited to, ownership of all copyrights and other intellectual
        property rights therein). Subject to the terms and conditions of this
        Agreement, Naviant hereby grants to Excite and its affiliates a royalty-
        free, non-exclusive, license to use the HHTD Database in accordance with
        this Agreement.

    b)          Excite and Naviant will jointly own, the user data collected by
        Naviant and used to generate Excite registrations. Naviant will not,
        during the term of this Agreement or anytime, sell, disclose, transfer
        or rent any data or any selection of data which is identifiable as
        having Excite registration, membership or usage.

6.  TRADEMARK OWNERSHIP AND LICENSE

    a)          Excite will retain all right, title and interest in and to its
        trademarks, service marks and trade names worldwide, subject to the
        limited license granted to Naviant in section 6(c) below.

    b)          Excite hereby grants to Naviant a non-exclusive, limited license
        to use the Excite trademarks, service marks or trade names only as
        specifically described in this Agreement. All such use shall be in
        accordance with Excite's reasonable policies regarding advertising and
        trademark usage as established from time to time.

    c)          Upon the expiration or termination of this Agreement, Naviant
        will cease using the trademarks, service marks and/or trade names of
        Excite.

7.  TERM

    The term of this Agreement will begin on the Effective Date and will
    continue until December 31, 2001.

8.  TERMINATION

    a)          Either party may terminate this Agreement if the other party
        materially breaches its obligations hereunder and such breach remains
        uncured for thirty (30) days following the notice to the breaching party
        of the breach.

    b)          Excite shall be entitled to terminate this Agreement upon notice
        to Naviant in the event of a Change of Control of Naviant. A "Change of
        Control" is defined as: (i) a merger or consolidation with an Excite
        Competitor where Naviant is not the surviving entity; (ii) a merger,
        consolidation or equity issuance where the equity holders immediately
        prior to such transaction own or control less than a majority of the
        voting equity of Naviant after the transaction; or (iii) a sale of all
        or substantially all of the assets of Naviant to an Excite Competitor.

                                       5
<PAGE>

    c)          All payments that have accrued prior to the termination or
        expiration of this Agreement will be payable in full within thirty (30)
        days thereof.

    d)          The provisions of Subsection 5 b) (User Data and Trademark
        License), Section 9 (Confidentiality), Section 10 (Warranty and
        Indemnity), Section 11 (Limitation of Liability) and Section 12 (Dispute
        Resolution) will survive any termination or expiration of this
        Agreement.

9.  CONFIDENTIALITY

    a)          For the purposes of this Agreement, "Confidential Information"
        means information about the disclosing party's (or its suppliers')
        business or activities that is proprietary and confidential, which shall
        include all business, financial, technical and other information of a
        party marked or designated try such party as "confidential" or
        "proprietary"; or information which, by the nature of the circumstances
        surrounding the disclosure, ought in good faith to be treated as
        confidential.

    b)          Confidential Information will not include information that (i)
        is in or enters the public domain without breach of this Agreement, (ii)
        the receiving party lawfully receives from a third party without
        restriction on disclosure and without breach of a nondisclosure
        obligation or (iii) the receiving party knew prior to receiving such
        information from the disclosing party or develops independently.

    c)          Each party agrees (i) that it will not disclose to any third
        party or use any Confidential Information disclosed to it by the other
        except as expressly permitted in this Agreement and (ii) that it will
        take all reasonable measures to maintain the confidentiality of all
        Confidential Information of the other party in its possession or
        control, which will in no event be less than the measures it uses to
        maintain the confidentiality of its own information of similar
        importance.

    d)          Notwithstanding the foregoing, each party may disclose
        Confidential Information (i) to the extent required by a court of
        competent jurisdiction or other governmental authority or otherwise as
        required by law or (ii) on a "need-to-know" basis under an obligation of
        confidentiality to its legal counsel, accountants, banks and other
        financing sources and their advisors.

    e)          The terms and conditions of this Agreement will be deemed to be
        the Confidential Information of each party and will not be disclosed
        without the written consent of the other party.

10.  WARRANTY AND INDEMNITY

    a)          Naviant warrants that it owns, or has obtained the right to
        distribute and make available as specified in this Agreement, any and
        all data and content provided to Excite or made available to third
        parties in connection with this

                                       6
<PAGE>

        Agreement, including but not limited to the HTHH Database, Excite
        Registration Data and the banner advertisements of its clients (the
        "Third Party Ads").

    b)          Naviant represents and warrants that ,any and all data and
        content transmitted to Excite is designed to be used prior to, during,
        and after the calendar year 2000 A.D., and will operate during each such
        time period without error relating to date data, specifically including
        any error relating to, or the product of, date data which represents or
        references different centuries or more than one century.

    c)          Naviant will indemnify, defend and hold harmless Excite, its
        affiliates, officers, directors, employees, consultants and agents from
        any and ail third party claims, liability, damages and/or costs
        (including, but not limited to, attorneys fees) arising from:

        i)      Its breach of any warranty, representation or covenant in this
             Agreement; or

        ii)     Any claim that the Excite Registration Data, HTHH Database,
             Third Party Advertisements or any other content or data provided by
             Naviant hereunder infringes or violates any third party's
             copyright, patent, trade secret, trademark, right of publicity or
             right of privacy or contains any defamatory content; or

        iii)    Any claim that the Excite Registration Data, HTHH Database,
             Third Party Advertisements or any other content or data provided by
             Naviant hereunder violates any state, federal or local laws,
             regulations or statutes; or

        iv)     Any claim arising from the data or information contained in the
             Excite Registration Data, HTHH Database, Third Party Advertisements
             or any other content or data provided by Naviant hereunder.

             Naviant's obligation to indemnify Excite is conditioned upon Excite
             promptly notifying Naviant of any and all such claims, unless the
             failure to notify does not materially and adversely affect
             Naviant's defense. Excite will reasonably cooperate with Naviant
             with the defense and/or settlement thereof; provided that, if any
             settlement requires an affirmative obligation of, results in any
             ongoing liability to or prejudices or detrimentally Impacts Excite
             in any way and such obligation, liability, prejudice or impact can
             reasonably be expected to be material, then such settlement shall
             require Excite's written consent (not to be unreasonably withheld
             or delayed) and Excite may have its own counsel in attendance at
             all proceedings and substantive negotiations relating to such claim
             at Excite's sole cost and expense.

    d)          Excite will indemnify, defend and hold harmless Naviant, its
        affiliates, officers, directors, employees, consultants and agents from
        any and all third party

                                       7
<PAGE>

        claims, liability, damages and/or costs (including, but not limited to,
        attorneys fees) arising from:

        i)      Its breach of any warranty, representation or covenant in this
             Agreement; or

        ii)     Any claim arising from content displayed on the Excite Site
             other than the Third Party Advertisements.

             Excite's obligation to indemnify Naviant is conditioned upon
             Naviant promptly notifying Excite of any and all such claims,
             unless the failure to notify does not materially and adversely
             affect Excites defense. Naviant will reasonably cooperate with
             Excite with the defense and/or settlement thereof; provided that,
             if any settlement requires an affirmative obligation of, results in
             any ongoing liability to or prejudices or detrimentally impacts
             Naviant in any way and such obligation, liability, prejudice or
             impact can reasonably be expected to be material, then such
             settlement shall require Naviant's written consent (not to be
             unreasonably withheld or delayed) and Naviant may have its own
             counsel in attendance at all proceedings and substantive
             negotiations relating to such claim at Naviant's sole cost and
             expense.

    e)          EXCEPT AS SPECIFIED 1N THIS AGREEMENT, NEITHER PARTY MAKES ANY
        WARRANTY IN CONNECTION WITH THE SUBJECT MATTER OF THIS AGREEMENT AND
        HEREBY DISCLAIMS ANY AND ALL IMPLIED WARRANTIES, INCLUDING ALL IMPLIED
        WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE
        REGARDING SUCH SUBJECT MATTER.

11.  LIMITATION OF LIABILITY

     EXCEPT UNDER SECTION 10(c) and 10(d), IN NO EVENT WILL EITHER PARTY BE
     LIABLE TO THE OTHER FOR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES,
     WHETHER BASED ON BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR
     OTHERWISE, WHETHER OR NOT THAT PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF
     SUCH DAMAGE. EXCEPT UNDER 10(c) AND 10(d), THE LIABILITY OF EITHER PARTY
     FOR DAMAGES OR ALLEGED DAMAGES HEREUNDER, WHETHER IN CONTRACT, TORT OR ANY
     OTHER LEGAL THEORY, IS LIMITED TO, AND WILL NOT EXCEED, THE AMOUNTS
     ACTUALLY PAID BY THE OTHER PARTY HEREUNDER.

12.  DISPUTE RESOLUTION

     a)         The parties agree that any breach of either of the parties'
        obligations regarding trademarks, service marks or trade names and/or
        confidentiality would result in irreparable injury for which there is no
        adequate remedy at law. Therefore, in the event of any breach or
        threatened breach of a party's obligations

                                       8
<PAGE>

        regarding trademarks, service marks or trade names or confidentiality,
        the aggrieved party will be entitled to seek equitable relief In
        addition to its other available legal remedies in a court of competent
        jurisdiction. For the purposes of this section only, the parties consent
        to venue in either the state courts of the county in which Excite has
        its principal place of business or the United States District Court for
        the Northern District of California.

     b)         In the event of disputes between the parties arising from or
        concerning in any manner the subject matter of this Agreement, other
        than disputes arising from or concerning trademarks, service marks or
        trade names and/or confidentiality, the parties will first attempt to
        resolve the dispute(s) through good faith negotiation. In the event that
        the dispute(s) cannot be resolved through good faith negotiation, the
        parties will refer the dispute(s) to a mutually acceptable mediator for
        hearing in the county in which Excite has its principal place of
        business.

    c)          In the event that disputes between the parties .arising from or
        concerning in any manner the subject matter of this Agreement, other
        than disputes arising from or concerning trademarks, service marks or
        trade names and/or confidentiality, cannot be resolved through good
        faith negotiation and mediation, the parties will refer the dispute(s)
        to the American Arbitration Association for resolution through binding
        arbitration by a single arbitrator pursuant to the American Arbitration
        Association's rules applicable to commercial disputes. The arbitration
        will be held in the county in which Excite has its principal place of
        business.

13. GENERAL

    a)           Assignment. Neither party may assign this Agreement, in whole
                 ----------
        or in part, without the other party's written consent (which will not be
        unreasonably withheld), except that no such consent will be required in
        connection with a merger, reorganization or safe of all, or
        substantially all, of such party's assets. Any attempt to assign this
        Agreement other than as permitted above will be null and void.

    b)          Governing Law. This Agreement will be governed by and construed
                -------------
        in accordance with the laws of the State of California, notwithstanding
        the actual state or country of residence or incorporation of Naviant.

    c)          Notice. Any notice under this Agreement will be in writing and
                ------
        delivered by personal delivery, express courier, confirmed facsimile,
        confirmed email or certified or registered mail, return receipt
        requested, and will be deemed given upon personal delivery, one (1) day
        after deposit with express courier, upon confirmation of receipt of
        facsimile or email or five (5) days after deposit in the mail. Notices
        will be sent to a party at its address set forth below or such other
        address as that party may specify in writing pursuant to this Section.

                                       9
<PAGE>

    d)          No Agency. The parties are independent contractors and will have
                ---------
        no power or authority to assume or create any obligation or
        responsibility on behalf of each other. This Agreement will not be
        construed to create or imply any partnership, agency or joint venture.

    e)          Force Majeure. Any delay in or failure of performance by either
                -------------
        party under this Agreement will not be considered a breach of this
        Agreement and will be excused to the extent caused by any occurrence
        beyond the reasonable control of such party including, but not limited
        to, acts of God, power outages and governmental restrictions.

    f)          Severability. In the event that any of the provisions of this
                ------------
        Agreement are held by to be unenforceable by a court or arbitrator, the
        remaining portions of the Agreement will remain in full force and
        effect.

    g)          Entire Agreement. This Agreement is the complete and exclusive
                ----------------
        agreement between the parties with respect to the subject matter hereof,
        superseding any prior agreements and communications (both written and
        oral) regarding such subject matter. This Agreement may only be
        modified, or any rights under it waived, by a written document executed
        by both parties.

Naviant Technology, Inc.                        Excite, Inc.

By:_____________________________________        By:___________________________
Name:___________________________________        Name:_________________________
Title:__________________________________        Title:________________________
Date:___________________________________        Date:_________________________

                                          430 Broadway
                                          Redwood City, California 94083
                                          415.588.6000 (voice)
                                          413.588.8030 (fax)

                                       10
<PAGE>

                                   AMENDMENT
                                       TO
                 CUSTOMER ACQUISITION AND ADVERTISING AGREEMENT
                                     DATED
                               SEPTEMBER 10, 1999

Whereas the entities known as, d.b.a Excite@Home ("Excite") and Naviant
                                     -----------
Technology Solutions, Inc., ("Naviant") entered into the aforementioned
agreement (the "Agreement") on September 10, 1999, and

Whereas Naviant has changed its name to Naviant, Inc., and

Whereas both parties agree to changes to certain dates and other provisions of
the Agreement, and

Both parties agree that the following amendment, with respect to the contractual
sections identified, further clarifies the beginning dates of the particular
services referred to in the original contract, and better clarifies Naviant's
ability to identify program users.

The following sections will replace the contract sections in their entirety. All
other terms and conditions of the Agreement remain unchanged.

Section 1.  NAVIANT REGISTRATION

            a)       Beginning on January 1, 2000, Naviant will offer all
                     potential registrants of the Naviant Registration Service
                     the option of having an Excite registration created for
                     them at the time they register for a client product;
                     provided the applicable Registrant Client allows Naviant to
                     offer Excite membership to registrants. Naviant will use
                     commercially reasonable efforts to encourage Registration
                     clients to permit the inclusion of the Excite membership
                     option.

Section 4.  NAVIANT PURCHASE OF ADVERTISING ON THE EXCITE SITE
            a)       Naviant shall provide to Excite a copy of the Naviant High-
                     Tech Household Database (the "HTHH Database") for use by
                     Excite to match such records against the Excite registered
                     users database, hereby define as all registered users
                     legally available to Excite whether from internal
                     registration or merger/acquisition activity, to create a
                     database of users (the "Naviant User Pool") for use by
                     Naviant and its clients to target advertisements on the
                     Excite Network. The Excite Network is defined as the sum of
                     all Internet sites where Excite can influence the content
                     and advertising space. Excite will provide Naviant with a
                     cookie or other identifying number for Naviant to identify
                     the users included in the Naviant User Pool.

                                       11
<PAGE>

Section 5.  USER DATA

            b)       Excite and Naviant will jointly own, the user data
                     collected by Naviant and used to generate Excite
                     registrations. Naviant will not, during the term of this
                     agreement or anytime, sell, disclose, transfer or rent any
                     data or any selection of data, which is identifiable as
                     having Excite registration, membership or usage. Naviant
                     reserves the right to identify any Excite registrant in the
                     HHTD using the term: "Member of Internet Search and
                     Navigation Service."

Section 7.  TERM     The Term of this agreement will begin on effective date and
                     will continue until March 31, 2002.

Exhibit B.  MINIMUM QUARTERLY PURCHASE AMOUNT

                Quarter      Cumulative Minimum Total
                -----------  ------------------------
                Q3, 1999     $0
                Q4, 1999     $0
                Q1, 2000     $0
                Q2, 2000     $  250,000
                Q3, 2000     $  500,000
                Q4, 2000     $1,000,000
                Q1, 2001     $1,750,000
                Q2, 2001     $2,500,000
                Q3, 2001     $3,250,000
                Q4, 2001     $4,250,000
                Q1, 2002     $5,500,000

By signing the attached document, both parties agree to be bound by the new
terms created by this Amendment.

_______________________________           ________________________________
Naviant, Inc.                             Excite@HOME

_______________________________           ________________________________
Printed Name                              Printed Name

_______________________________           ________________________________
Title                                     Title

_______________________________           ________________________________
Date                                      Date

                                       12

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