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                                                                  EXHIBIT 10.19

                             AMENDED AND RESTATED
                          SOFTWARE LICENSE AGREEMENT
                                 ("Agreement")

THE SOFTWARE LICENSE AGREEMENT made and entered into effective February 10,
1995 by and between CompReview, Inc., a California corporation, now known as HNC
Insurance Solutions, ("Licensor") with its principal place of business presently
located a 110 Theory, Irvine, California 92612, and Comprehensive
Rehabilitation Associates, Inc., a Massachusetts Corporation, now known as
Concentra Managed Care Services, Inc., ("Licensee"), with its principal place of
business presently located at 312 Union Wharf, Boston, Massachusetts, as
subsequently amended prior to the date hereof (the "Original Agreement") is
hereby amended and restated in its entirety by this Agreement, effective as of
May 1, 1999.

On the terms and conditions set forth herein, Licensee desires to continue its
license from Licensor to use copies of (i) Licensor's computer program known as
CRLink, Versions 1.0, 2.0 and 2.5 (the "Programs") for reviewing and repricing
medical bills related to workers' compensation claims and personal injuries
arising out of automobile accidents, and (iii) the related documentation listed
on Exhibit A (the "Documentation"), and (B) to use the Programs and
Documentation to review and reprice a limited number of group health medical
bills. The Programs and the Documentation collectively are referred to as the
"Software."

NOW, THEREFORE, in consideration of the mutual promises and covenants set forth
herein, Licensor and Licensee agree as follows:

1. Grant of License

1.1  The license previously granted by Licensor to Licensee under the Original
Agreement shall continue, subject to the terms and conditions of this Agreement,
as a personal, nontransferable, non-exclusive license (the "License") (i) to use
copies ofthe Programs, in object code form only, solely at the Licensee
locations listed on Exhibit B (or such other location(s) as such company offices
may be subsequently moved to) (the "Designated Location(s)") for Licensee's
review and repricing of workers compensation and automobile personal injury
medical bills submitted to it by its clients and (ii) to use copies of the
Documentation solely for use in connection with the use of the Programs
authorized hereunder. Additional Designated Locations may be added to Exhibit B
from time to time with Licensor's consent, which shall not be unreasonably
withheld, delayed or conditioned. Additional Designated Locations may require
additional license fees. The License is hereby expanded to use copies of the
Programs and Documentation at the Designated Location(s) to review and reprice
group health medical bills that are submitted to Licensee by its clients with
either workers compensation medical bills or automobile personal injury medical
bills. The number of group health medical bills that may be reviewed and
repriced may not materially exceed 2.5% per month of the total number of bills
processed through the Software. The License includes the right to copy the
Software as reasonably required by Licensee solely for internal bill review at
the Designated Locations and for archival and back-up purposes. Licensee may not
allow its clients or any third parties access to the Software via modem or
otherwise for any reason whatsoever without Licensor's prior written consent.

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1.2  Licensee agrees that the License does not include, and Licensee shall not
by virtue of this Agreement have, any right to use or authorize the use of the
Software for any purpose other than review and repricing of workers compensation
medical bills and automobile personal injury medical bills submitted to it for
repricing, together with a limited number of group health medical bills
submitted to Licensee for repricing. The medical bills that Licensee is licensed
to use the Software to review and reprice are referred to herein as "Medical
Bills." Licensee acknowledges and agrees that it has no right whatsoever to
license the use, reproduction or distribution of the Software by any person,
firm or entity.

1.3  Licensor shall not provide Licensee with a copy of, and Licensee acquires
no right of any kind with respect to, any source code for the Programs. Licensee
agrees not to, and shall insure that its employees do not, create or attempt to
create, by decompiling, disassembling, reverse engineering or otherwise, the
source code for the Programs. Licensee acknowledges and agrees that it has no
right whatsoever to modify the Software or any portion thereof in any manner.

1.4  Licensee shall make provision for and install a modem and telephone line
for dial-up access to Licensee's computer system by the Licensor for the
purposes of Software maintenance or the provision of software updates. All such
access shall be with the Licensee's advance knowledge and approval and Licensee
agrees to allow such right of reasonable access by the Licensor. Licensor agrees
to schedule such maintenance so as to not materially interfere with Licensee's
business.

1.5  During the term of this Agreement. and at no additional charge, Licensor
will provide to Licensee (a) all updates to the Software reflecting changes to
states workers compensation regulations within 15 working days after such
regulations are published by the appropriate State agency and (b) such other
updates to the Software as Licensor makes generally available to its customers.

1.6. The preferred provided organization networks ("PPO Networks") whose
contract rates the Software is currently able to access are listed on Exhibit C
hereto. Licensor has the authority to offer access through the Software to the
PPO Networks listed on Exhibit C. Licensee may not access any other PPO Networks
through the Software without Licensor having first advised Licensee that it has
the authority to access such PPO Networks. Licensee may not use the Software to
access the PPO Networks for any purpose or in any manner other than as expressly
permitted hereby.

1.7  Licensor does not represent or warrant that its access to the contract
rates of each PPO Network listed will continue throughout the term of this
Agreement. Access to PPO Network rates may be terminated for a number of
reasons, including expiration of the term of an access agreement and a PPO
Networks refusal to extend the agreement, or a third-party decision not to
maintain the PPO Network, which decision may occur in connection with the
combination of one or more PPO Networks through business acquisitions. Licensor
will promptly advise Licensee of any notice of termination of access it receives
from any PPO. In no event will there be a retroactive termination of PPO access.
Licensor will use its best efforts to maintain its access to the PPO Networks
throughout the term of this Agreement, provided, however, Licensor shall not

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be obligated to incur any additional material cost, obligation or burden to
maintain such access.

1.8  If Licensee requests that any PPO Networks be "stacked" in any particular
order, Licensor will request written approval from each of the PPO Networks to
the stacking, and, if such approval is obtained, will stack the PPO Networks as
requested. If Licensee requests that Licensor include one or more additional PPO
Networks in the Software, Licensor will investigate the feasibility of doing so,
and will use its reasonable best efforts to add such additional PPO Networks to
the Software only if it is (i) technically feasible to automate the PPO Network
through the Software, (ii) Licensor is able to obtain an access and distribution
agreement with the PPO Network on terms that are acceptable to Licensor, and
(iii) in Licensors reasonable business judgment the costs of adding,
distributing and maintaining the additional PPO Network on the Software is
justified. Licensor will promptly notify Licensee of the addition of any new PPO
Networks to the Software.

2. Installation and Training

2.1  The parties acknowledge that the Programs have been installed by Licensor
at the Designated Location(s) and accepted by Licensee in accordance with the
Original Agreement. The parties also acknowledge that an electronic data
interface ("EDI") exists which enables the Software to interface for data
exchange with Licensee's claims and managed care systems. Licensor will maintain
the EDI in accordance with Exhibit D hereto. Any requests by Licensee for
modifications to the EDT will be handled in accordance with Section 2.3 below.

2.2  The history of all Medical Bills processed on other systems that are
submitted to Licensor will be converted and input into the data base of the
Software. Licensee will provide Licensor with all bill review historical data,
case management information, data calls, and data necessary to convert the bill
history of previously processed bills into the Software database. Licensor will
continue to support CrLink Versions 1.0 and 2.0 until the migration of the
Medical Bill history to CrLink Version 2.5 is completed. Such support will be in
accordance with Exhibit D and Licensor's standard support policies.

2.3  Any "system change requests" ("SCR") by Licensee for changes to the
Programs by Licensor, including changes to the existing electronic data
interface will be prioritized as level 1 through 4 requests and performed by
Licensor in accordance with Exhibit D hereto. Licensee will provide Licensor in
a timely manner with such assistance and input as Licensor may request in
connection with any SCR. Licensor will schedule regular releases of enhancements
to CRLink Version 2.5 as long as it remains the current version of the Software.
Licensee may make recommendations on priorities for enhancements to Version 2.5
of the Program in accordance with Exhibit D.

2.4  The cost and timing to complete the bill history conversion and SCR is set
forth in Exhibit D hereto.

2.5  The parties acknowledge that all free training required under the Original
Agreement during the first month period following completion of the installation
of the Programs has been provided. If further training is required, the cost to
provide this service shall be at a rate of $400 per day, plus all reasonable
out-of-pocket travel expenses. including, transportation, lodging and meals.
Training shall, at the election of Licensee, be at either Licensor's office or
at one of the Designated

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Locations, and shall be scheduled at such times as are mutually convenient for
the parties. If training is done at a Designated Location, each day that
Licensor's personnel is available at such location shall constitute a full day
of training regardless of the number of hours actually utilized by Licensee.
Training during any day shall not exceed 8 hours of actual training. If training
is done at Licensor's office, training days of less than 8 full hours shall be
prorated on an hourly basis of $50 per hour. Payment for training shall be due
within thirty (30) days after Licensee has been invoiced for the training.

3. Term and Termination

3.1  The term of this Agreement shall commence on the date hereof as set forth
on page 1 and continue until the second anniversary date hereof or until this
Agreement is terminated pursuant to any provision hereof. Either party may
terminate this Agreement without cause upon 180 days prior written notice to
the other party given at any time after June 30, 2000. Licensor may also
terminate this Agreement upon 1 80 days notice as set forth in Section 10
below.

3.2  Either party shall be entitled to terminate this Agreement (and pursue all
of its rights hereunder at law or in equity) upon written notice to the other
party in the event of a breach by such other party of any of its obligations
hereunder and the failure of such other party to cure any such breach within 30
days from receipt of written notice of such breach, unless such breach by its
nature cannot be cured, in which event the nonbreaching party shall be entitled
to terminate this Agreement upon written notice to the other party without any
opportunity to cure.

3.3  This Agreement shall immediately terminate upon the filing by or against
Licensee of a proceeding under any bankruptcy or similar law, unless such
proceeding is dismissed within 60 days from the date of filing; the making by
Licensee of any assignment for the benefit of creditors; the filing by or
against Licensee of a proceeding for dissolution or liquidation, unless such
proceeding is dismissed within 60 days from the date of filing; the appointment
of or the application for the appointment of a receiver, trustee or custodian
for all or part of the assets of Licensee to make any adjustment, settlement or
extension of its debts with its creditors generally; the insolvency of Licensee;
or the filing or recording of a notice of lien or the issuance or the obtaining
of a levy of execution upon or against a material portion of the assets of
Licensee, unless such lien or levy of execution is dissolved within 60 days from
the date thereof;

3.4  Upon termination or expiration of this Agreement for any reason (including,
without limitation, discontinuation of use of the Software by Licensee), the
rights of Licensee to possess or use the Software shall end, and Licensee shall
immediately, at Licensor's sole option, deliver to Licensor or destroy the
original Software and all copies of the Software or any portion thereof in its
possession or control. Within 20 days following the date of such termination or
expiration, an officer of Licensee shall certify in writing to Licensor that the
terms of this Section 3.4 have been complied with.

4. License Fees; Payment

4.1  The fees to be paid to Licensor for this License and the services to be
provided by Licensor hereunder are set forth in Exhibit D hereto. Licensor will
from time to time provide such

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additional services as the parties may mutually agree. Such services will be
provided at Licensor's prevailing rates at the time the services are performed.
If such services are not customarily provided by Licensor to other licensees,
they will be provided at such rates as Licensor and Licensee may agree to.

4.2  License fees will be billed monthly through Licensor's then current billing
system. Third party fees for databases such as usual, customary and reasonable
fees and drug costs, as well as preferred provider organization access fees
(collectively "Third Party Fees") are not included in the licensee fees set
forth above, but will be billed by Licensor to Licensee. Licensee will be
responsible for all Third Party Fees during the first 12 months of this
Agreement, as referenced in Exhibit D hereto, and for all increases in such
Third Party Fees that may occur from time to time thereafter that do not exceed
on an aggregate basis 10% per annum. All license fees, together with any Third
Party Fees owed by Licensee are due and payable within thirty (30) days after
receipt of the electronic invoice.

4.3  In addition to any other amounts due hereunder, Licensee shall pay to or
reimburse Licensor the amount of any sales, use, excise, property or other
federal, state, local or foreign taxes, duties, tariffs or other assessments
(other than any tax based solely on Licensor's net income) any related interest
and penalties which Licensor is at any time obligated to pay or collect in
connection with or arising out of the transactions contemplated by this
Agreement.

4.4  In the event Licensor does not receive any amounts from Licensee due under
this Section 4 or any other Section hereunder on or before the date on which
such amounts are due and payable, such outstanding amounts shall bear interest
until payment is received at the maximum rate permitted by law, but in no event
to exceed twelve percent (12%) per annum. Amounts received by Licensor hereunder
shall first be credited against any unpaid interest, and accrual of such
interest shall be in addition to and without limitation of any and all
additional rights or remedies which Licensor may have hereunder or at law or in
equity.

4.5  Each month Licensor will provide Licensee with documentation describing the
number and types of bills processed by Licensee utilizing the Programs in the
prior month.

4.6  Licensor and Licensee shall each have the right to audit the procedures and
records of the other pertaining to the number and types of bills processed each
month and how such bills were processed. Such audits shall not occur more
frequently than every twelve months, shall be on not less than forty-eight (48)
hours prior notice, and shall be conducted at reasonable times and in a
reasonable manner. The party being audited shall reasonably cooperate with the
party conducting the audit.

5.   Proprietary Rights

5.1  Licensee acknowledges that it obtains pursuant to this Agreement only the
right to use copies of the Software on the terms and conditions set forth herein
and that no right, title or interest in or to the Software or any copies thereof
or any copyrights, trademarks or other proprietary rights related to the
Software are transferred to Licensee. Licensee will use its best efforts and
will take all reasonable steps to protect the Software from any use,
reproduction, publication, disclosure or

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distribution except as specifically authorized by this Agreement (collectively
"Unauthorized Use or Disclosure"). Licensee acknowledges and agrees that the
Software contains confidential information and trade secrets developed or
acquired by Licensor through the expenditure of a great deal of time and money.
Licensee agrees to treat the Software as confidential as set forth below.

5.2  Licensee shall not remove, alter, cover or obfuscate any copyright notice,
trademark or other proprietary rights notice placed by Licensor in or on the
Software or any portion thereof and shall insure that all such notices are
reproduced on all copies of the Software or any portion thereof made by
Licensee. Licensee shall comply with reasonable directions submitted by Licensor
from a time to time regarding the form and placement of copyright notices and
other proprietary rights notices on the Software or any portion thereof.

5.3  Licensee and Licensor shall hold and maintain in the strictest confidence
and in trust for the sole and exclusive benefit of the other all "Confidential
Information" (as defined below) of the other and shall not use such information
for its own benefit, except as expressly permitted hereunder, or publish or
otherwise disclose it to third parties, or permit its use or access by third
parties (except as contemplated hereunder)for their benefit or to the detriment
of the other party hereto, except that such disclosure or access shall be
permitted to an employee or representative of Licensee or Licensor to the extent
required for such employee or representative to perform duties for Licensee or
Licensor not inconsistent with the terms of this Agreement. Licensee and
Licensor shall carefully restrict access to the Confidential Information of the
other to those of their respective employees and representatives who clearly
require such access in order to carry out the purposes of this Agreement.
Licensee and Licensor shall each ensure that their respective employees and
representatives who receive access to the Confidential Information of the other
are advised of its confidential and proprietary nature and that they are
prohibited from copying, utilizing, or revealing the Confidential Information or
any portion thereof or from taking any action prohibited to Licensee or Licensor
under this Agreement. Without limiting the foregoing, Licensee and Licensor
shall each employ with regard to the Confidential Information of the other
procedures no less restrictive than the strictest procedures used by them to
protect their own trade secrets.

As used herein, the term "Confidential Information" means the Software, the
licensee fees, the specific terms of this Agreement and the Original Agreement,
claims information, and Licensor's and Licensee's data, practices and
procedures, client names and business relationships with third parties.
Confidential Information shall also include any information concerning
Licensor's and Licensee's clients or suppliers, and any information either party
has received from others which it is obligated to treat as confidential or
proprietary. Confidential Information shall not include (i) any information that
has become publicly known without breach of this Agreement or any other
confidentiality obligation owed by either party hereto to others (ii)
information that is generally known in Licensor's or Licensee's industry, or
(ii) information known to the receiving party prior to the disclosing party's
disclosure of the same; provided the prior knowledge was not obtained as a
result of a breach of any confidentiality obligation owed to Licensor or
Licensee.

5.4  Licensee shall make reasonable efforts to promptly notify Licensor of any
known Unauthorized Use or Disclosure of the Software and will cooperate with
Licensor in any litigation brought by Licensor against third parties to protect
its proprietary rights. Licensee's compliance with the provisions of this
section shall not be construed as a waiver of any of Licensor's rights

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hereunder.

5.5  Because of the unique and proprietary nature of the Software, it is
understood and agreed that Licensor's remedies at law for a breach by Licensee
of its obligations under this Section 5 will be inadequate and that Licensor
shall, in the event of any such breach, be entitled to equitable relief
(including, without limitation, injunctive relief and specific performance)
without any requirement to post a bond as a condition of such relief, in
addition to all other remedies provided under this Agreement or available to
Licensor at law.

6.  Warranties

6.1  Licensor warrants that the unmodified Programs shall perform substantially
in accordance with the related Documentation. Licensor shall (i) provide
Licensee with a revised copy of the Programs reflecting any correction or
modification which is incorporated by Licensor into its standard version of such
Programs and shall provide Licensee with any new standard version of the
Programs; (ii) use commercially reasonable efforts to correct any failures of
the latest version of the Programs to perform substantially in accordance with
the related Documentation, provided Licensor is given written notice by Licensee
of such failures and such failures can be recreated by Licensor; and (iii)
provide reasonable amounts of telephone consultation to a designated
representative of Licensee to alleviate any difficulties Licensee may experience
in the operation of the latest version of the unmodified Programs.

HNC Year 2000 Representation and Warranty. Licensor has previously disclosed to
-----------------------------------------
Licensee that both version 1.0 and version 2.0 of the Programs are not "Year
2000 Compliant" as defined below. Licensor represents and warrants that version
2.5 of the Programs and all electronic data interfaces related to Licensee' s
use of version 2.5 of the Programs, and any other software provided by HNC in
connection with Licensee's use of version 2.5 of the Programs (collectively, the
"Subject Software"), are Year 2000 Compliant (as defined below) or to the extent
the Subject Software is not Year 2000 Compliant, Licensor will inform Licensee,
in detail, of any deficiency as of the date of this Agreement, and that such
deficient Subject Software will be Year 2000 Compliant by November 1, 1999.
Licensor will make a certification on that date that all the Subject Software
are Year 2000 Compliant. If Licensor is unable to make such certification,
Licensee shall be entitled to terminate this Agreement immediately without
further notice or opportunity to cure and Licensor will be liable to Licensee
for any costs related to the transitioning of the services contemplated in this
Agreement to a third party. Licensor further represents and warrants that its
internal business applications and processes (including manufacturing, testing,
and inspection processes) shall be Year 2000 Compliant by November 1, 1999.
Licensor agrees to provide Licensee with regular disclosures regarding its Year
2000 Compliancy efforts and any other information reasonably requested by
Licensee to verify Licensor's Year 2000 compliancy. Licensor further agrees to
cooperate in all reasonable respects with Licensee in such verification efforts.

For purposes of this section, "Year 2000 Compliant" means (i) that the Subject
Software will on a timely basis and as corroborated in a manner approved by
Licensee perform as intended regardless of date and that all data, including
dates, can be accessed and processed with specific result, (ii) that the Subject
Software recognizes year 2000 as a leap year, and (iii) that the Subject
Software

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represents each year as four digits in all user visible interfaces, stores year
with sufficient capacity to support four digit years, and produces accurate
results:

 .           for any date (whether before, during, or after 2000), within an
          acceptable date range; and
 .           for any time (whether before, during, or after 2000), within an
          acceptable date range.

          "Acceptable date range" means any date that the application will
          encounter from now through fifty years past the millennium. The actual
          range of dates supported will vary depending on how dates are used
          within the particular application.

EXCEPT AS STATED ABOVE, LICENSOR DOES NOT WARRANT THAT THE SOFTWARE WILL MEET
LICENSEE'S REQUIREMENTS OR THAT OPERATION OF THE SOFTWARE WILL BE UNINTERRUPTED
OR ERROR FREE. EXCEPT AS PROVIDED IN THIS SECTION 6, LICENSOR DOES NOT MAKE BY
VIRTUE OF THIS AGREEMENT, AND HEREBY EXPRESSLY DISCLAIMS, ANY REPRESENTATION OR
WARRANTY OF ANY KIND WITH RESPECT TO THE SOFTWARE OR THE SERVICES OF LICENSOR,
INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND
FITNESS FOR A PARTICULAR PURPOSE.

6.2  Licensee agrees that, regardless of the form of any claim, Licensor's
entire liability and Licensee's exclusive remedy shall be as set forth in this
Section 6. If, after having been given written notice of any failure of the
Programs to perform substantially in accordance with the related Documentation,
Licensor is unable to correct such failure within sixty (60) days, Licensee may
immediately terminate this Agreement with respect to such Programs by complying
with the provisions of Section 3.4 hereof.

6.3  Exclusion ofConseguential Damages; Limitation of Liability
     ---------------------------------------------------------

NEITHER PARTY SHALL, UNDER ANY CIRCUMSTANCES, BE LIABLE TO THE OTHER FOR
CONSEQUENTIAL, INDIRECT, INCIDENTAL, SPECIAL OR EXEMPLARY DAMAGES ARISING OUT OF
OR RELATED TO THE SOFTWARE OR THE TRANSACTIONS CONTEMPLATED HEREIN, INCLUDING,
WITHOUT LIMITATION, LOST PROFITS OR SAVINGS, EVEN IF APPRISED OF THE LIKELIHOOD
OF SUCH DAMAGES OCCURRING. IN NO EVENT SHALL LICENSOR'S LIABILITY TO LICENSEE
HEREUNDER (WHETHER BASED ON AN ACTION OR CLAIM IN CONTRACT, TORT OR OTHERWISE)
ARISING OUT OF OR RELATED TO THE SOFTWARE LICENSED HEREUNDER EXCEED THE
AGGREGATE OF THE LAST THREE MONTHS' LICENSE FEES ACTUALLY PAID. FOR PURPOSES OF
THIS PARAGRAPH ONLY, "LICENSE FEES" ARE DEFINED AS THE SUM OF THE TOTAL FEES
PAID FOR BILL REVIEW, PLUS THE ACCESS FEE PAID BY LICENSEE TO LICENSOR FOR USE
OF THE FOCUS PPO, MINUS THE ACCESS FEE PAID BY LICENSOR TO FOCUS FOR USE OF THE
FOCUS PPO FOR LICENSEE.

7. Security Precautions

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To prevent any loss or damage to data as a result of malfunctions, errors or
defects of or in the Software, Licensee will maintain backup data ofall data
used in connection with the Software.

8. Disputes

Any action concerning a dispute arising out of or in connection with this
Agreement or the respective obligations of Licensor and Licensee hereunder shall
be brought and maintained in a court of competent jurisdiction in Orange County,
California.

9. Proprietary Rights Indemnity

Subject to Licensee's fulfillment of its obligations under this Section 9 and
the dollar limitations set forth in this Section, Licensor will hold, to the
extent set forth in this Section, Licensee harmless, and at its own expense
defend or settle any claim, suit, action, or proceeding brought against Licensee
to the extent that such claim, suit, action, or proceeding is based on a claim
that the Software or any portion thereof infringes or constitutes wrongful use
of a United States patent, United States copyright or trade secret right
protected under the law of any state in the United States (a "U.S. Proprietary
Right"). Licensee shall notify Licensor in writing of any such claim promptly
after Licensee first learns of it, and shall provide Licensor with such
cooperation and assistance as Licensor may reasonably request from time to time
in connection with the defense thereof. Licensor shall have sole control over
any such suit or proceeding (including, without limitation, the right to settle
on behalf of Licensee on any terms Licensor deems desirable in the sole exercise
of its discretion). In the event that the use of the Software or any portion
thereof as permitted hereunder is held to infringe or constitute wrongful use of
any U.S. Proprietary Right and Licensee's right to use such Software is enjoined
by a court of competent jurisdiction or if Licensor, in the reasonable exercise
of its discretion, instructs Licensee to cease using any such Software in order
to mitigate or lessen potential damages arising from a claimed infringement or
wrongful use of any U.S. Proprietary Right, Licensee shall cease using such
Software. In the event Licensee ceases to use such Software as provided in this
Section (other than by reason of a temporary restraining order), Licensor shall
(i) replace such Software with equally suitable non-infringing software, (ii)
modify such Software so that the use of the Software by Licensee as permitted
hereunder ceases to be infringing or wrongful, (iii) procure for Licensee the
right to continue using such Software as permitted hereunder, or (iv) after
reasonable efforts under subsections (i), (ii), and (iii) of this sentence, pay
to Licensee the last month's licensee fee paid by Licensee. OTHER THAN AS
EXPRESSLY STATED IN THIS SECTION 9, LICENSOR SHALL HAVE NO LIABILITY WHATSOEVER
TO LICENSEE FOR ANY LOSS OR DAMAGE (INCLUDING, WITHOUT LIMITATION, FOR ANY
CONSEQUENTIAL, INCIDENTAL, SPECIAL OR EXEMPLARY DAMAGES) ARISING OUT OF OR
RELATED TO ANY ALLEGATION OR DETERMINATION THAT LICENSEE'S USE OF THE SOFTWARE
AS PERMITTED HEREUNDER INFRINGES OR CONSTITUTES WRONGFUL USE OF ANY U.S.
PROPRIETARY RIGHT. LICENSOR MAKES NO REPRESENTATION OR WARRANTY AND DISCLAIMS
ALL LIABILITY OF ANY TYPE WHATSOEVER ARISING OUT OF OR RELATING TO ANY
ALLEGATION OR DETERMINATION THAT LICENSEE'S USE OF THE SOFTWARE INFRINGES OR
CONSTITUTES WRONGFUL USE OF ANY COPYRIGHT, TRADE SECRET. PATENT OR

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OTHER PROPRIETARY RIGHT OTHER THAN A U.S. PROPRIETARY RIGHT.

Licensor will hold Licensee harmless and at its own expense defend or settle any
claim, suite, action or proceeding brought against Licensee by any third party
to the extent that such claim, suit, action or proceeding is based upon Licensor
having failed to update the data bases as required in this Agreement or having
distributed data bases it does not have the authority to distribute to Licensee.

10. Assignment

Except as set forth below, Licensee may not assign or transfer this Agreement or
any interest herein (including rights and duties of performance) without the
prior written consent of Licensor, which consent shall not be unreasonably
withheld, it being understood that Licensor may disapprove any assignment or
transfer to a competitor. Licensee may transfer this Agreement to any entity
which acquires all or substantially all of Licensee's operating assets, or into
which or with which Licensee is merged or reorganized without Licensor's prior
written consent; provided, however, that if such entity, or any of its
"affiliates" is a competitor of Licensor, Licensor may terminate this Agreement
upon 1 80 days notice. In addition, if any competitor of Licensor or an
affiliate of such competitor obtains more than 30% of the voting power of
Licensee (a "change of control"), Licensor may terminate this Agreement upon
180 days notice. Licensor may also terminate this Agreement immediately at any
time following a change of control or assignment or transfer of this Agreement
to a competitor of Licensor or an affiliate of such a competitor, if such party
breaches any of the provisions of this Agreement concerning proprietary rights,
confidentiality or restrictions on use of the Software. The term "affiliate" as
used herein means any natural person or entity, including, without limitation,
corporations, limited liability companies, trusts, limited partnerships, joint
ventures and general partnerships, that directly or indirectly, through one or
more intermediaries, controls, is controlled by or is under common control with
Licensee or its assignee.

11. Indemnification by Licensee

Licensee agrees to hold Licensor harmless and at its own expense to defend or
settle any claim, suit, action, or proceeding brought against Licensor by any
third party to the extent that such claim, suit, action or proceeding is based
on any act or omission of Licensee in using the Programs. Licensor's
indemnification of Licensee for third party claims is set forth in Section 9
above.

12. Notices

Except as otherwise specified herein, all notices, requests, demands or
communications required or permitted hereunder shall be in writing, delivered
personally, or sent by courier service of national reputation (e.g., Federal
Express) or sent by first class mail, postage prepaid, to the parties at the
respective addresses above (or at such other address as shall be given
in writing by either of the parties to the other in accordance with this
Section 12). All notices, requests, demands or communications shall be deemed
effective upon personal delivery, or one day following delivery to such courier
service, or four days following deposit in the U.S. mail In accordance with this
Section 12.

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13. Excused Performances

Neither party shall not be deemed to be in default of or to have breached any
provision of this Agreement as a result of any delay, failure in performance or
interruption of service, resulting directly or indirectly from acts of God, acts
of civil or military authorities, civil disturbances, wars, strikes or other
labor disputes, shortages of labor or materials, fires, transportation
contingencies, laws, regulations, acts or orders of any government or agency or
official thereof, other catastrophes, or any other occurrences beyond such
party's reasonable control.

14. Miscellaneous Provisions

14.1 Except as otherwise provided herein, no remedy made available to either
party hereto by any of the provisions of this Agreement is intended to be
exclusive of any other remedy, and each and every remedy shall be cumulative and
shall be in addition to every other remedy given hereunder or now or hereafter
existing at law or in equity or by statute or otherwise.

14.2 No waiver of any provision of this Agreement or any rights or obligations
of either party hereunder shall be effective, except pursuant to a written
instrument signed by the party or parties waiving compliance, and any such
waiver shall be effective only in the specific instance and for the specific
purpose stated in such writing.

14.3 This Agreement shall be construed and enforced in accordance with the laws
ofthe State of California which are applicable to the construction and
enforcement of contracts between parties resident in California which are
entered into and fully performed in California, regardless of where this
Agreement is executed or performed or the residency of the parties hereto. The
Agreement shall be interpreted in accordance with its fair meaning and not in
favor or against either party.

14.4 This Agreement may be executed in one or more counterparts, each of which
shall be an original and all of which together shall constitute one and the same
Instrument.

14.5 This Agreement shall inure to the benefit of and shall be binding upon the
parties hereto and their respective permitted successors and assigns.

14.6 Sections 3.4, 4, 5, 6.2, 6.3, 8, 9, 11 and 14 (and the limitations on
liability set forth herein) shall survive expiration or termination of this
Agreement for any reason.

14.7 In the event that any provision hereof is found invalid or unenforceable
pursuant to judicial decree or decision, the remainder ofthis Agreement shall
remain valid and enforceable according to its terms.

14.8 In the event of any litigation hereunder, any such action shall be brought
in a state or federal court of competent jurisdiction located in Orange County,
California, and the prevailing party in the action as determined by the court
will be entitled to recover from the other party its costs and reasonable
attorneys' fees.

                                       11
<PAGE>

14.9 This Agreement constitutes the entire understanding and agreement between
Licensor and Licensee with respect to the transactions contemplated herein and
supersedes any and all prior or contemporaneous oral or written communications
with respect to the subject matter hereof, including, without limitation,
previous efforts to amend and restate the Original Agreement as reflected by a
draft agreement dated October 1, 1998 that was being reviewed and revised by the
parties as of December 23, 1998. It is expressly understood and agreed that no
employee, agent or other representative of either party has any authority to
bind such party with regard to any statement, representation, warranty or other
expression unless the same is specifically set forth or incorporated by
reference herein. It is expressly understood and agreed that, there being no
expectation to the contrary between the parties hereto, no usage of trade or
other regular practice or method of dealing between the parties hereto shall be
used to modify, interpret, supplement or alter in any manner the express terms
of this Agreement or any part hereof. This Agreement shall not be modified,
amended or in any way altered except by an instrument in writing signed by duly
authorized representatives ofthe parties.

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

"Licensor"                        "Licensee"
HNC Insurance Solutions            Concentra Managed Care Services, Inc.

BY:  /s/ John Falliers             BY: /s/ Thomas Cox
     ------------------------         -----------------------
Title:   CFO                       Title:  President
      -----------------------            --------------------

                                       12
<PAGE>

                                   EXHIBIT A
                                   ---------

                             List of Documentation

The Documentation is the Licensor's "USERS MANUAL." This documentation serves to
provide an overview to users of how to use the Programs. The contents of the
manual are the proprietary property of Licensor. Licensor authorizes Licensee to
copy any portion of the documentation for internal use only. Licensee may not
provide access to any portion of the Users Manual to any party other than those
employees of Licensee who need access to the Users Manual in order to operate
the Programs in accordance with the terms of the License Agreement.

Licensee understands that a single copy of the documentation will be provided at
the time of training. A single set of periodic updates to this documentation
will be provided to the Licensee by the Licensor as said updates become
available.
<PAGE>

                                   EXHIBIT B
                                   ---------

                            Designated Location(s)

R11 - Buffalo: One (1) Production Server

R58 - Denver:  One (1) Production Server

R63 - Waltham  Three (3) Production Servers, One (1) Test Server

**  Note: These are the servers that are physically in each location. At the R63
    site, the three production servers are called R55, R63, R85.
<PAGE>

                                   EXHIBIT C
                                   ---------

                                 PPO Networks

      State Jurisdiction          PPO Number                    PPO
      ------------------          ----------                    ---

               AK                      09                   Focus WC
               AL                      09                   Focus WC
               AR                      05                   Medview WC
                                       09                   FocusWC
                                       97                   Focus/Fremont
               AZ                      07                   CompAlliance
                                       09                   FocusWC
                                       97                   Focus/Fremont
               CA                      05                   Medview WC
                                       07                   CompAlliance
                                       09                   FocusWC
                                       97                   Focus/Fremont
               CO                      05                   Medview WC
                                       09                   FocusWC
                                       88                   Focus Concentra Auto
               CT                      05                   Medview WC
                                       06                   Medview Auto
                                       09                   FocusWC
                                       19                   Medview GH
                                       56                   Focus Auto
                                       88                   Focus Concentra Auto
               DC                      05                   Medview WC
                                       09                   Focus WC
               DE                      09                   Focus WC
               FL                      05                   Medview WC
                                       09                   FocusWC
                                       19                   Medview GH
                                       97                   Focus/Fremont
               GA                      09                   Focus WC
                                       19                   MedviewGH
                                       56                   Focus Auto
               HA                      09                   FocusWC
                                       88                   Focus Concentra Auto
               HI                      09                   FocusWC

                                       1
<PAGE>

      State Jurisdiction          PPO Number               PPO
      ------------------          ----------               ---

                                       97               Focus/Fremont
             IA                        09               FocusWC
             IL                        09               FocusWC
                                       19               Medview GH
                                       05               Medview WC
                                       09               FocusWC
             KS                        09               FocusWC
                                       97               Focus/Fremont
             KY                        05               Medview WC
                                       09               FocusWC
                                       79               Medview KY
             LA                        09               FocusWC
             LS                        09               FocusWC
             MA                        05               Medview WC
                                       09               FocusWC
                                       88               Focus Concentra Auto
             MD                        05               Medview WC
                                       09               FocusWC
                                       97               Focus/Fremont
             ME                        09               FocusWC
             MI                        05               Medview WC
                                       09               FocusWC
                                       56               Focus Auto
                                       97               Focus/Fremont
             MN                        05               Medview WC
                                       09               FocusWC
             MO                        09               FocusWC
             MS                        09               FocusWC
             MT                        09               Focus WC
             NC                        09               FocusWC
             ND                        09               FocusWC
             NE                        09               FocusWC
             NH                        05               Medview WC
                                       09               FocusWC
                                       19               Medview GH
             NJ                        06               Medview Auto
                                       09               FocusWC
                                       56               Focus Auto

                                       2
<PAGE>

      State Jurisdiction          PPO Number                    PPO
      ------------------          ----------                    ---

                                       88              Focus Concentra Auto
               NM                      09              FocusWC
               NV                      09              FocusWC
                                       97              Focus/Fremont
               NY                      06              Medview Auto
                                       09              FocusWC
                                       56              Focus Auto
                                       71              Focus/MagnaCare
                                       85              Focus/MagnaCare
                                       88              Focus Concentra Auto
               OH                      05              MedviewWC
                                       09              FocusWC
                                       19              Medview GH
                                       62              OCN
                                       81              OCN
               OK                      09              FocusWC
                                       19              Medview GH
                                       56              Focus Auto
               OR                      09              FocusWC
               PA                      05              Medview WC
                                       09              Focus WC
               PP                      09              FocusWC
                                       56              Focus Auto
                                       88              Focus Concentra Auto
               RI                      05              Medview WC
                                       09              FocusWC
               SC                      09              FocusWC
               SD                      05              Medview WC
                                       09              FocusWC
               TN                      09              FocusWC
               TX                      05              Medview WC
                                       09              FocusWC
                                       19              Medview GH
                                       04              MSCI
                                       97              Focus/Fremont
               UA                      88              Focus Concentra Auto
               UC                      05              MedviewWC
                                       06              Medview Auto
                                       09              FocusWC

                                       3
<PAGE>

      State Jurisdiction          PPO Number                    PPO
      ------------------          ----------                    ---

                                       19              Medview GH
                                       28              PHS
                                       56              Focus Auto
                                       74              HFN
                                       88              Focus Concentra Auto
                                       97              Focus/Fremont
                 UT                    09              FocusWC
                                       97              Focus/Fremont
                 VA                    09              FocusWC
                 VT                    05              MedviewWC
                                       09              FocusWC
                                       85              Focus/MagnaCare
                 WA                    05              Medview WC
                                       09              FocusWC
                 WI                    05              Medview WC
                                       09              FocusWC
                                       74              HFN
                                       97              Focus/Fremont
                 WV                    09              FocusWC

                                       4
<PAGE>

[LOGO OF HNC]
                                          Effective Date as of May 1, 1999

                                   Exhibit D
                    Letter of Intent for Revised Agreement
                          Between CONCENTRA and HNCIS

Pricing
<TABLE>
<CAPTION>
Implementation and Migration Costs                                           Fee
-------------------------------------------------     ---------------------------------------------------
<S>                                                   <C>
 .  History Conversion                                  .  HNCIS New Implementations To Be Determined
 .  Interface Creation of:                                 Based On Defined Scope and Level of Required
   .  Claims Data Import                                  Customization for Each New Site
   .  Provider Data Import
   .  Employer Data Import                             .  The following table presents current estimates of
   .  Response File Import                                costs, based on Difficulty Level:
   .  Managed Care Direction Import (opt)
   .  Claims Payment Export                                     Per Migration Charge:
   .  Bill Image Export                                         .  M/1/          14,250
   .  Bill Detail Export                                        .  M/1/T         16,650
 .  Quality Assurance and Testing of all built                   .  M/2/           8,250
   processes.                                                   .  M/3/           5,250
 .  Site Audit / Technical Environment and
   Operations.
 .  Systems Adminstration Check-out
 .  Installation of Software at Client's Site(s)
-------------------------------------------------     ---------------------------------------------------
Post Installation Training [Optional]                                       Fee
-------------------------------------------------     ---------------------------------------------------
   .  Training at client's location                    .  $400 per day + Reasonable Travel Expenses.
                                                       .  $50 per hour.
   .  Training as HNCIS location
-------------------------------------------------     ---------------------------------------------------
Site Minimum Monthly Fees*                                                  Fee
-------------------------------------------------     ---------------------------------------------------
 .  Each Additional Site Where Software is Located      .  $1,000
-------------------------------------------------     ---------------------------------------------------
-------------------------------------------------     ---------------------------------------------------
-------------------------------------------------     ---------------------------------------------------
License Fees
-------------------------------------------------     ---------------------------------------------------
             Bills Processed*                                               Fee
-------------------------------------------------     ---------------------------------------------------
                   All                                  From July 1, 1999 until June 30, 2000 --
                                                                   $1.35/bill
                                                        From July 1, 2000 Termination --
                                                                   $1.65/bill
-------------------------------------------------     ---------------------------------------------------
* Excludes Fees For Fee Negotiation and PPO Access Rates-see below.
-------------------------------------------------     ---------------------------------------------------
CRExpress Upgrade [Optional]                                                Fee
-------------------------------------------------     ---------------------------------------------------
       . Capstone Decision Engine                       .  Additional $ .25 per bill processed
-------------------------------------------------     ---------------------------------------------------
                                                                                        Page: 1 of 3
</TABLE>
<PAGE>

[LOGO OF HNC]
                                          Effective Date as of  May 1, 1999

<TABLE>
<CAPTION>
Required Databases                                                          Fee
-------------------------------------------------     ---------------------------------------------------
<S>                                                   <C>
Usual & Customary Databases:                            Prices Subject to Annual Review, Currently:
      .  Medicode (All States)                               .  $32,050 per year for all sites; a rate
      .  OWCP -- Long Shore &  Harbor Claims                    substantially less than per site or bill
                                                                volume based charges under NCIS normal
                                                                bill terms.
                                                             .  No Charge
-------------------------------------------------     ---------------------------------------------------
-------------------------------------------------     ---------------------------------------------------
Required Databases                                                          Fee
-------------------------------------------------     ---------------------------------------------------
Btrieve License:
      .  Site License                                    .  If Concentra pays HNCIS, HNCIS will quote
                                                            current market fee. Otherwise, Concentra will
                                                            maintain a current license with Pervasive for
                                                            each site during the term of this agreement.
                                                            Concentra is responsible for providing HNCIS
                                                            a copy of the license.
-------------------------------------------------     ---------------------------------------------------
-------------------------------------------------     ---------------------------------------------------
Preferred Provider Organization Networks                                    Fee
-------------------------------------------------     ---------------------------------------------------
PPO Access Rates For Networks Currently Accessed         Current Rates For Distributed Networks:
Through HNCIS:
                                                         Internal Networks
                                                             Focus from July 1, 1999 until June 30, 2000
                                                                                 3.5% of savings

                                                             Focus from July 1, 1999 until December 31, 2000
                                                                                 4.0% of savings

                                                             Focus from January 1, 2001 until termination
                                                                                 4.5% of savings

                                                             Ohio Comp           5% of PPO Savings

                                                         External Networks Currently Distributed by HNCIS
                                                             Medview             15% of PPO savings
                                                             CCN*                22% of PPO Savings
                                                             FA Richard          25% of PPO Savings
                                                             HFN                 16% of PPO Savings
                                                             Interplan           16% of PPO Savings,
                                                                                 15% in primary
                                                             NCC (only Tyson)    18% of PPO Savings
                                                             PHN                 16% of PPO Savings
                                                             Pacific Foundation  16% of PPO Savings

                                                         CCN Exceptions:
                                                         1.  Florida & CA IP @   30% of PPO Savings
                                                         2.  New York to be determined

                                                         All other networks require execution of a
                                                         distribution agreement between HNCIS and
                                                         the network before rates can be quoted.
-------------------------------------------------     ---------------------------------------------------
                                                                                           Page: 2 of 3
</TABLE>
<PAGE>

[LOGO OF HNC]
                                          Effective Date as of  May 1, 1999
<TABLE>
<CAPTION>
-------------------------------------------------     ---------------------------------------------------
<S>                                                   <C>
PPO Access Rates For Additional Internally Owned
and Managed Networks Implemented in the Future:
   .  Currently loaded and Maintained By Client          .  If added, will be negotiated at that time
   .  Loaded and Maintained By HNCIS
-------------------------------------------------     ---------------------------------------------------
PPO Access Rates For Additional External Networks
Not Distributed by HNCIS Implemented in the
Future:
   .  Loaded and Maintained By HNCIS                     .  If added, will be negotiated at that time
-------------------------------------------------     ---------------------------------------------------
Mail-In & Processing Support Services                                       Fees
-------------------------------------------------     ---------------------------------------------------
Mail-In Services For Overflow Support at HNCIS
Service Center:                                          .  15% of Savings
   .  Nurse Consultant Reviews of Difficult Bills        .  $3.75 plus $1.25 per line
   .  Review of Overflow Bills
-------------------------------------------------     ---------------------------------------------------
Flying Keyers at Client's Site:
   .  Per Medical Bill Reviewer                          .  $60 per hour
   .  Travel and Expenses                                .  Actual Expenses Incurred

-------------------------------------------------     ---------------------------------------------------
Other Services & Fees:                                                      Fee
-------------------------------------------------     ---------------------------------------------------
MedPro Module                                            .  $2.50 Per Created or Imported Treatment Plan
-------------------------------------------------     ---------------------------------------------------
Fee Negotiation Module:                                  .  $2.50 Per Recorded Negotiated Record
Notes:
      1 .  Utilization of PPO Networks with this
           module is prohibited.
      2.   All PPOs loaded on CRLink must have
           an agreement to distribute between
           HNC Insurance Solutions and the PPO
           before being added to the CRLink
           system.
-------------------------------------------------     ---------------------------------------------------
-------------------------------------------------     ---------------------------------------------------
The parties will agree on SCR agreement items to         .  Priority Levels 1, 2 & 3 included at no
be billed in an Exhibit to the Definitive                   additional cost; Priority Level 4 at
Agreement per the following description:                    $175 per hour + actual expenses incurred

Priorities 1 and 2 have been defined with
priorities and time frames at no charge.
Priority 3 will be included in scheduled
quarterly updates, with primary Concentra
input on priorities.  Priority 4 will be
charged at the hourly rate plus expenses.

-------------------------------------------------     ---------------------------------------------------
-------------------------------------------------     ---------------------------------------------------
Accelerated Support Fee, Invoiced June 30, 1999:         .  $225,000.00
-------------------------------------------------     ---------------------------------------------------
Complex Bill Review Services                             Additional 15% of savings (does not include
                                                         standard per bill fees or PPO fees).
-------------------------------------------------     ---------------------------------------------------
                                                                                          Page: 3 of 3
</TABLE><PAGE>

                                                                    EXHIBIT 10.5

         Cooperative Marketing Agreement dated as of November 17, 1999
                  by and between the Company and CDB Infotek

     Edgarized on or about January 3, 2000 as an exhibit to Form S-1 Draft
                         R.R. Donnelley Job #31589FS1

<PAGE>

                        COOPERATIVE MARKETING AGREEMENT

     This COOPERATIVE MARKETING AGREEMENT (the "Agreement") is entered into as
of the 17th day of November, 1999 by and between Loislaw.com, Inc.,
("LOISLAW.COM"), and CDB Infotek, a subsidiary of ChoicePoint Services Inc.
("CDB") with reference to the following facts.

     WHEREAS, CDB is the owner and operator of a proprietary electronic public
record information reference and retrieval system maintained on the World Wide
Web portion of the Internet ("CDB Site") containing certain data set forth on
Exhibit "A" ("CDB Data"), which it provides to its legal market subscribers
("CDB Subscribers"); and

     WHEREAS, LOISLAW.COM is a legal publisher operating a proprietary
electronic law library maintained on the World Wide Web portion of the Internet
("LOISLAW.COM Site") containing certain data set forth on Exhibit "B"
("LOISLAW.COM Data"), which it provides to its subscribers ("LOISLAW.COM
Subscribers"); and

     WHEREAS, CDB and LOISLAW.COM do not currently compete with each other, and
CDB and LOISLAW.COM desire to enter into a mutually beneficial arrangement so
they can better compete in their respective markets by offering enhanced
products and services; and

     WHEREAS, CDB desires to make certain CDB Data available to LOISLAW.COM
Subscribers who are eligible to become CDB Subscribers ("Referred Subscribers")
through the normal course of business and via a hotlinked URL connection to a
co-branded CDB maintained site on the World Wide Web portion of the Internet
("Co-Branded Site"), and LOISLAW.COM
<PAGE>

desires to provide access to the CDB Data to the Referred Subscribers, on the
terms and subject to the conditions set forth herein; and

     WHEREAS, LOISLAW.COM desires to make the LOISLAW.COM Data available to CDB
Subscribers through the normal course of business and via a hotlinked URL
connection to the LOISLAW.COM Site, and CDB desires to provide access to the
LOISLAW.COM Data to CDB Subscribers, on the terms and subject to the conditions
set forth herein.

     NOW, THEREFORE, for valuable consideration, the receipt and sufficiency of
which is hereby acknowledged, and intending to be legally bound hereby, the
parties agree as follows:

     1.   Icon(s).  Each party shall provide the other with an icon(s) that
          represents the other party's web site. Each Party will incorporate the
          other party's icon(s) into its web site and will make such icon(s)
          visible to all customers accessing such web site. In order to
          facilitate such access, each party will supply the NIC registered
          address(es) of those server(s) that will be accessed when any users
          double-clicks the other party's icon(s).

     2.   Proprietary Interest.  Each party acknowledges that the other party's
          intellectual property, including without limitation, trademarks, logos
          or icons are proprietary to each party and are protected by applicable
          laws relating to copyright, trademark, patent and trade secrets. Each
          party agrees that no proprietary rights pass to the other party by
          virtue of this Agreement except for the right to incorporate each
          party's icon(s) on the other party's web site.

     3.   Grant to LOISLAW.COM.

          (a)  CDB hereby grants to LOISLAW.COM the right to offer to the
               LOISLAW.COM Subscribers the opportunity to become Referred
<PAGE>

               Subscribers, as determined by CDB, and to access the CDB Data on
               the Co-Branded Site.

          (b)  LOISLAW.COM agrees that it will not offer data, which is the same
               or similar to the CDB Data, from other public records providers
               (except for data which may be offered by a subsidiary, parent, or
               affiliate of LOISLAW.COM) on the LOISLAW.COM Site, any other
               LOISLAW.COM site or any third party web site. Other public record
               providers include without limitation, LEXIS-NEXIS, West Group,
               Merlin, Dun & Bradstreet, DBT, Information America, U.S.
               Search.com, Inc. and any parent, subsidiary, or affiliate of
               each.

          (c)  LOISLAW.COM agrees to cooperate with CDB throughout the term
               hereof and to dedicate such resources as shall be necessary and
               reasonable to assist CDB in the automation, tracking, fulfillment
               and customer delivery of the CDB Data, without recourse to CDB
               for any costs or expenses incurred by LOISLAW.COM. CDB shall be
               responsible for all costs associated with the development and
               maintenance of the CDB Site, the Co-Branded Site and the link
               between the Co-Branded Site and the LOISLAW.COM Site, without
               recourse to LOISLAW.COM for any costs or expenses incurred by CDB
               in the development and maintenance of said sites.

          (d)  CDB shall have the exclusive right to determine whether
               LOISLAW.COM Subscribers qualify to become Referred Subscribers in
               order to access
<PAGE>

               CDB Data. CDB may in its sole discretion terminate any Referred
               Subscriber's access immediately for any reason.

          (e)  CDB shall perform for the Referred Subscribers all functions that
               it performs for its customers generally including customer
               service and training for qualified Referred Subscribers, and CDB
               shall act as the point of contact and communication with Referred
               Subscribers for CDB Data and services.

     4.   Use Limitations of the CDB Data.

          (a)  Both parties acknowledge that CDB, LOISLAW.COM and Referred
               Subscribers will be required to agree that CDB Data cannot be
               used for any consumer credit purposes, consumer insurance
               underwriting, employment purposes, tenant screening purposes, or
               for any other purpose(s) specified by the federal Fair Credit
               Reporting Act (15 U.S.C. Sec. 1681 et seq., as amended) or
               similar state or federal statute.

          (b)  LOISLAW.COM understands and acknowledges that CDB complies with
               the IRSG Principles and that compliance to IRSG Principles
               extends to the Referred Subscribers. LOISLAW.COM also understands
               and acknowledges that CDB has identified industry specific
               appropriate uses for which the CDB Data is to be used, and
               LOISLAW.COM understands and acknowledges that the IRSG Principles
               may be amended at any time and/or that other industry principles
               or CDB policies and procedures may be amended at any time, which
               may have the effect of either limiting or
<PAGE>

               expanding the ability of LOISLAW.COM or Referred Subscribers to
               use the CDB Data.

          (c)  LOISLAW.COM understands and acknowledges that the Referred
               Subscribers must agree to state their appropriate use for any CDB
               Data, prior to accessing it, must limit their use to those stated
               purposes, and must take appropriate measures so as to protect
               against the misuse of CDB's Data. Provided however, that
               LOISLAW.COM shall not be responsible, and shall have no
               liability, with respect to any misuse of CDB Data by a Referred
               Subscriber. LOISLAW.COM understands and agrees that in order to
               ensure compliance with IRSG Principles and other use limitations,
               CDB will conduct periodic audits and reviews of the Referred
               Subscriber activity and will, on a random basis, contact the
               Referred Subscribers to provide documentation of executed
               searches.

          (d)  LOISLAW.COM acknowledges that CDB and/or third parties retain all
               right, title and interest under applicable contractual, copyright
               and related laws in the CDB Data, and LOISLAW.COM and Referred
               Subscribers shall be required to use such CDB Data consistent
               with such right, title and interest of CDB.

          (e)  LOISLAW.COM further acknowledges that Referred Subscribers must
               agree not to reproduce, retransmit, republish or otherwise
               transfer for commercial purpose any CDB Data, except to employees
               whose duties reasonably relate to the legitimate business
               purposes for which the
<PAGE>

               information is requested. LOISLAW.COM acknowledges that Referred
               Subscribers shall warrant that they are the end users of the
               information.

     5.   Grant to CDB.

          (a)  LOISLAW.COM hereby grants to CDB the right to offer CDB
               Subscribers access to the LOISLAW.COM Data by way of the Co-
               Branded Site and/or the CDB Site.

          (b)  CDB agrees that it will not offer data, which is the same or
               similar to the LOISLAW.COM Data, from comprehensive electronic
               case law providers (except for data which may be offered by a
               subsidiary, parent or affiliate of CDB) on the Co-Branded Site,
               the CDB Site, or on another CDB or third party web site. Other
               comprehensive electronic case law providers include without
               limitation, LEXIS-NEXIS, West Group and any parent, subsidiary,
               or affiliate of each.

          (c)  CDB agrees to cooperate with LOISLAW.COM throughout the term
               hereof and to dedicate such resources as shall be necessary and
               reasonable to assist LOISLAW.COM in the automation, tracking,
               fulfillment and customer delivery of LOISLAW.COM Data, without
               recourse to LOISLAW.COM for any costs or expenses incurred by
               CDB. LOISLAW.COM shall be responsible for all costs associated
               with the development and maintenance of the LOISLAW.COM site and
               the link between the LOISLAW.COM Site and the CDB Site, without
               recourse to CDB for any costs or expenses incurred by LOISLAW.COM
               in the development and maintenance of said site.
<PAGE>

          (d)  LOISLAW.COM shall perform for CDB Subscribers all functions that
               it performs for its customers generally, including without
               limitation, customer service and related functions, including
               training for all qualified CDB Subscribers, and LOISLAW.COM shall
               act as the point of contact and communication with CDB
               Subscribers for LOISLAW.COM Data and services.

          (e)  LOISLAW.COM grants to CDB the right to use LOISLAW.COM's merchant
               identification number for the orders placed by Referred
               Subscribers under this Agreement.
     6.   Pricing.

          (a)  Each party shall have the right at all times to determine the
               product it will offer, the prices to be charged by it for each
               product and the methods of sale and distribution of its products,
               it being the intention of the parties hereto to preserve in full
               CDB's unencumbered ownership of the CDB Data and the rights and
               benefits thereof and LOISLAW.COM's unencumbered ownership of the
               LOISLAW.COM data and the rights and benefits thereof.

               (i)  For each search purchased by a Referred Subscriber and
                    charged to LOISLAW.COM's merchant identification number, CDB
                    will receive $22.50 for each Comprehensive Business Search
                    and $11.70 for each Comprehensive Individual Search from
                    LOISLAW.COM.  LOISLAW.COM is free to determine the prices to
                    be charged for each product as stated above.  If a Referred
<PAGE>

                    Subscriber stops accessing the Co-Branded Site and starts
                    accessing CDB Date directly from the CDB Site and is not
                    already a CDB Subscriber, then CDB agrees to pay LOISLAW.COM
                    10% of the payment made by Referred Subscriber to CDB for
                    each search of the CDB Data conducted by the Referred
                    Subscriber for a period of one (1) year after the initial
                    search.
               (ii) LOISLAW.COM agrees to pay to CDB a 30% commission for a
                    period of one (1) year from the initial (not renewal)
                    commencement date of any subscription (based on the price of
                    all the LOISLAW.COM products or services) sold by CDB and
                    licensed by LOISLAW.COM. The appropriate split on commission
                    for joint sales efforts will be determined on a case-by-case
                    basis.

          (b)  All fees for the previous month's activity are due within thirty
               (30) days after the end of that month.

     7.   Marketing and Sales Efforts.

          (a)  The parties hereby undertake to use their reasonable efforts
               during the Initial Term and any Renewal Term(s) to promote the
               availability of the other party's data, to undertake marketing
               and promotional activities both jointly and separately related
               thereto, and to make regular efforts to increase the number of
               Subscribers with access to each other's Sites. Without limiting
               the foregoing, each party shall advise its Subscribers on or
               about the Effective Date, either through notice, publication in
               its
<PAGE>

               newsletter or the circulation of announcements of the
               availability of the CDB Data and the LOISLAW.COM Data.

          (b)  All marketing materials describing this agreement or relationship
               between the parties must be approved prior to production and
               distribution by both parties.

          (c)  Both parties agree to make joint sales calls to the largest 250
               law firms in the United States.

     8.   CDB Database Enhancement.  LOISLAW.COM agrees on a quarterly basis to
          update the CDB lawyer database with the lawyer address and law firm
          affiliation information that LOISLAW.COM has in its possession.

     9.   Representations and Warranties.

          (a)  CDB hereby represents and warrants to LOISLAW.COM that (i) it is
               a corporation duly organized and validly existing under the laws
               of the State of California, (ii) it has the right, authority, and
               ability to conduct its business as it is currently being
               conducted, (iii) to its knowledge, its license and distribution
               of the CDB Data to Referred Subscribers shall be in accordance
               with all applicable laws, regulations and ordinances, and (iv) to
               its knowledge, such license and distribution of the CDB Data to
               Referred Subscribers shall not infringe on the rights of any
               other person or entity.

          (b)  LOISLAW.COM hereby represents and warrants to CDB that (i) it is
               a corporation duly organized and validly existing under the laws
               of the State of Delaware, (ii) it has the right, authority, and
               ability to conduct its
<PAGE>

               business as it is currently being conducted, (iii) to its
               knowledge, its licensing and distribution of the LOISLAW.COM Data
               to CDB Subscribers shall be in accordance with all applicable
               laws, regulations and ordinances, and (iv) to its knowledge, such
               licensing and distribution of the LOISLAW.COM Data by CDB shall
               not infringe on the rights of any other person or entity.

          (c)  Neither party shall be liable to the other party or any third
               party in contract, tort, or otherwise for any indirect,
               incidental, or consequential loss or damage.

          (d)  EACH PARTY COVENANTS AND PROMISES THAT IT WILL NOT SUE THE OTHER
               PARTY FOR OR SEEK PUNITIVE DAMAGES IN ANY SUIT. EACH PARTY DOES
               NOT MAKE AND HEREBY DISCLAIMS ANY WARRANTY EXPRESS OR IMPLIED.
               NEITHER PARTY GUARANTEES OR WARRANTS THE CORRECTNESS,
               COMPLETENESS, CURRENTNESS, MERCHANT ABILITY, OR FITNESS FOR A
               PARTICULAR PURPOSE OF THE DATA. NEITHER PARTY SHALL BE LIABLE TO
               THE OTHER PARTY OR TO ANY PERSON CLAIMING THROUGH IT FOR ANY LOSS
               OR INJURY ARISING OUT OF OR CAUSED IN WHOLE OR IN PART, BY SUCH
               OTHER PARTY'S NEGLIGENT ACTS OR OMISSIONS IN PROCURING,
               COMPILING, COLLECTING, INTERPRETING, REPORTING, COMMUNICATING, OR
               DELIVERING THE DATA.
<PAGE>

     10.  Breach of Representations and Warranties. Notwithstanding section
          9(c), in the event that either party breaches any of the
          representations and warranties made to the other party herein, or
          fails to perform any of its obligations contained in this Agreement,
          and if such breach or failure is not cured within 10 business days of
          written notice thereof (or if a cure is not commenced if such breach
          or failure is not readily curable within such period) and damages
          result therefrom, the non-breaching party shall be entitled to receive
          from a court of competent jurisdiction the entire amount of costs,
          claims, demands, damages, losses or liabilities incurred or suffered
          by such non-breaching party resulting from such breach or failure by
          the other party, including, without limitation, reasonable attorneys'
          fees and costs of suit incurred in defending any action brought by any
          person or entity as a result of such breach of failure, as such fees
          and costs are incurred.

     11.  Term and Termination.

          (a)  The term of this Agreement ("Term") shall be for an initial
               period of two (2) years (the "Initial Term"), unless earlier
               terminated pursuant hereto, commencing on the date first set
               forth above ("Effective Date"). This Agreement shall
               automatically be renewed for additional one year periods (each a
               "Renewal Term") unless either party, within the 60 day period
               prior to the end of the Initial Term or of any Renewal Term,
               informs the other party of its intention not to renew this
               Agreement.

          (b)  Either party may terminate this Agreement and the rights granted
               hereunder at any time without any liability or obligation
               whatsoever: (i)
<PAGE>

               upon One Hundred and Twenty (120) days prior written notice to
               the other party, or (ii) upon fifteen (15) business days prior
               written notice of a material breach of the other party, if such
               breach is not cured within such fifteen (15) business day period.

          (c)  If at any time during the Initial Term or any Renewal Term,
               applicable law or regulation, including the Individual Reference
               Services Group ("IRSG") Principles dated December 15, 1997 set
               forth at Exhibit "C", restricts or forbids CDB's resale of the
               CDB Data or LOIS LAW. COM Data such that the benefit to CDB from
               this Agreement is materially reduced or eliminated, CDB shall
               have the right, in its discretion, to terminate this Agreement
               upon ten (10) days prior written notice to LOISLAW.COM.

          (d)  If LOISLAW.COM terminates this Agreement pursuant to paragraph
               (b) of this section, LOISLAW.COM agrees that it will not enter
               into the same or similar business arrangement offering data,
               which is the same or similar to the CDB Data, from any other
               public records provider for a period of one (1) year after the
               termination of this Agreement. If CDB terminates this Agreement
               pursuant to paragraph (b) of this Section, CDB agrees that it
               will not enter into the same or similar business arrangement
               offering data, which is the same or similar to the LOISLAW.COM
               Data, from any other comprehensive electronic case law provider
               for a period of one (1) year after the termination of this
               Agreement.

     12.  Miscellaneous.
<PAGE>

          (a)  Notwithstanding any of the provisions of this Agreement, the
               relationship between the parties shall be that of independent
               contractors. No provision hereof shall be construed to imply the
               formation of a joint venture, partnership, agency relationship or
               any other joint relationship, and neither party shall have the
               right, power or authority to create any obligation, express or
               implied, on behalf of the other without its express prior written
               permission.

          (b)  This Agreement may be executed in one of more counterparts, each
               of which shall be deemed an original, but all of which together
               shall constitute one and the same document. This Agreement is
               entered into and shall be interpreted in accordance with the laws
               of the State of Georgia, without giving effect to the principles
               of conflicts of law thereof.

          (c)  All notices and other communications given or made pursuant
               hereto shall be in writing and shall be deemed to have been given
               or made when delivered personally or three business days after
               having been sent by registered or certified mail (postage
               prepaid, return receipt requested) or one business day after
               having been sent by Federal Express or other comparable
               nationally recognized overnight courier service (receipt
               requested), as follows:

                    Kyle D. Parker
                    Loislaw.com, Inc.
                    105 North 28th Street
                    Van Buren, AR  72956
                    Phone:  501-471-5581
                    Fax:  (501) 471-7145
<PAGE>

                    If to CDB, to:

                    CDB Infotek
                    Six Hutton Centre, Suite 650
                    Santa Ana, CA  92707
                    Attn:  Legal Department
                    Telephone:  (714) 708-2000
                    Facsimile:  (714) 708-1021

                    With a copy to:

                    ChoicePoint Services Inc.
                    1000 Alderman Drive, MD71A
                    Alpharetta, GA 30005
                    Attn:  J. Michael de Janes, Esq.
                    Telephone:  (770) 752-5745
                    Facsimile:  (770) 752-5939

or such other persons or at such other addresses as either party shall have
designated by like notice in writing to the other party.

          (d)  If any provision of this Agreement shall be declared by any court
               of competent jurisdiction to be illegal, void or unenforceable,
               all other provisions of this Agreement shall not be affected and
               shall remain in full force and effect. The headings contained in
               this Agreement are inserted for convenience only and do not
               constitute a part of this Agreement. This Agreement (including
               Exhibits) constitutes the entire agreement among the parties
               hereto and supersedes all prior and contemporaneous agreements
               and understandings, both written and oral, between the parties
               hereto, with respect to the subject matter hereof.

          (e)  This Agreement shall inure to the benefit of and be binding upon
               the parties and their respective successors and assigns. Neither
               this Agreement nor any of the parties' rights, interests or
               obligations hereunder
<PAGE>

               shall be assignable by either party without the prior written
               consent of the other party, provided that no transfer of the
               capital stock or sale of all or substantially all of the assets
               of a party shall be considered an assignment hereunder. Any
               attempted assignment of this Agreement in breach of this
               provision shall be void and of no effect.

          (f)  In the event any dispute between the parties relating to
               enforcement or interpretation of this Agreement cannot be
               resolved, the parties hereby agree to have such dispute settled
               by arbitration conducted by a single arbitrator acceptable to
               both parties pursuant to the then current rules of the American
               Arbitration Association. Unless the arbitrator shall rule
               otherwise, each party shall pay its own expenses related to such
               arbitration and one-half of the costs of conducting the
               arbitration procedure.

          IN WITNESS WHEREOF, the parties hereto, by their duly authorized
officers, have executed this Agreement as of the day and year first above
written.

Loislaw.com, Inc.                            CDB Infotek

By: /s/ Kyle Parker                          By: /s/ J. Michael de Janes
    -----------------------------                -----------------------------

Name:   Kyle Parker                          Name:   J. Michael de Janes
        -------------------------                    -------------------------

Title:  C.E.O                                Title:  General Counsel
        -------------------------                    -------------------------
<PAGE>

                               List of Exhibits

     Exhibit A:  Description of CDB Data Used by the Legal Market Segment

     Exhibit B:  Description of Loislaw.com Data

     Exhibit C:  Individual References Services Group Principles

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