Document:

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                                                                   EXHIBIT 10.19

                                            ***TEXT OMITTED AND FILED SEPARATELY
                                                CONFIDENTIAL TREATMENT REQUESTED
                                          UNDER 17 C.F.R. SECTIONS 200.80(b)(4),
                                                            200.83 AND 240.24b-2

              MICROSOFT-Registered Trademark-  HOMEADVISOR/IMPROVENET
                             RELATIONSHIP AGREEMENT

         THIS AGREEMENT ("Agreement") is made and entered into as of the
later of the two signature dates below (the "Effective Date") by and Between
IMPROVENET, INC. ("Company"), a Delaware, U.S.A. corporation, and MICROSOFT
CORPORATION ("MS"), a Washington, U.S.A. corporation.

         The parties agree as follows:

1.       DEFINITIONS

         1.1 "Availability Date" means the first date on which HomeAdvisor
contains a hyperlink to the Company Site as contemplated by this Agreement.

         1.2 "Company Site" means the Web site operated by or for Company,
currently located on the Internet at http://www.improvenet.com, as modified
from time to time to comply with the provisions of this Agreement, and future
versions, upgrades, successors and replacements thereof.

         1.3 "HomeAdvisor" means the real estate related product and/or
service currently named HomeAdvisor created by or for MS (including any
portions, future versions, upgrades, successors and replacements thereof)
that are published via the Internet or via any and all other means of
electronic delivery now or hereafter known.

         1.4 "HomeAdvisor Third Party Sites" means the real estate related
products and/or services created by or for MS (including any portions, future
versions, upgrades, successors and replacements thereof) that are published
via the Internet or via any and all means of electronic delivery (now or
hereafter known) by third party Licenses under MS or third party trademarks
or branding.

         1.5 "Intermediate Page" means the HomeAdvisor page created and
hosted by MS that requests information from a HomeAdvisor user and then
hyperlinks that user to a relevant page of the Company Site based on the
information provided.

         1.6 All other initially capitalized terms shall have the meanings
assigned to them in this Agreement.

2.       RIGHTS AND OBLIGATIONS OF THE PARTIES

         2.1      HOMEADVISOR RIGHTS AND OBLIGATIONS.

                  (a) MS shall use its reasonable commercial efforts to
develop and operate HomeAdvisor and maintain uptime consistent with industry
standards, as set forth in EXHIBIT A hereto.

                  (b) MS shall place links on HomeAdvisor to Company Site as set
forth in EXHIBIT B hereto.

                  (c) MS will actively seek to drive increasing levels of
traffic to the Company Site via the Home Improvement area of the HomeAdvisor
Site. MS will employ reasonable commercial efforts to promote the Company
Site in such manner, consistent with its marketing strategy for HomeAdvisor.
Promotion options to be investigated by MS will include, but not be limited
to: (a) adding links on [...***...] and [...***...] which take users to the
Home Improvement area of the HomeAdvisor site; (b) pursuing promotions on
[...***...] and (c) including ImproveNet in potential HomeAdvisor and
[...***...] Newsletters.

                  (d) MS shall actively seek to leverage its [...***...] to
sign up contractors into the ImproveNet certified network.

* CONFIDENTIAL TREATMENT REQUESTED
                                      1.

<PAGE>

                  (e) MS shall use reasonable commercial efforts to comply with
the testing and other technical specifications set forth in EXHIBIT A hereto.

                  (f) MS and Company will negotiate in good faith to have
HomeAdvisor's financing section on the Company Site offered up to
non-HomeAdvisor customers (e.g., Dow, Owens-Corning, etc.). This is
non-exclusive, in that Company will also be able to offer links to other
financing sites to Company's non-MS customers. Notwithstanding the preceding,
MS HomeAdvisor's finance section will be the only financing section on the
Company Site offered up to a HomeAdvisor user (which means both a user who is
currently coming to the Company Site from the HomeAdvisor Site and a user who
previously came to the Company Site from the HomeAdvisor Site, so long as the
Company is able to track such user via a "persistent" cookie or other
method), at no charge to HomeAdvisor. If the user later comes to the Company
Site via a non-MSN advertising banner or a non-co-branded HomeAdvisor/Company
banner or via another Company partner's site, he or she will receive the
generic Company financing experience.

                  (g) Notwithstanding anything to the contrary set forth in
this Agreement, any rights provided to MS under this Agreement with respect
to HomeAdvisor shall also be provided without additional cost to HomeAdvisor
Third Party Sites if MS and Company so elect. Revenue generated by the users
sent to the Company Site via these HomeAdvisor/Third Party Sites will accrue
to MS under the same terms and conditions of this Agreement unless otherwise
specified.

         2.2      COMPANY RIGHTS AND OBLIGATIONS.

                  (a) Company shall use its reasonable commercial efforts to
develop and operate the Company Site and maintain uptime consistent with
industry standards, as set forth in EXHIBIT A hereto. MS shall first discuss
with Company any proposed updates to EXHIBIT A, and will not implement such
changes without Company's consent, not to be unreasonably withheld.

                  (b) Company will develop a tracking mechanism to identify
HomeAdvisor referred users and be able to track their usage and Company
marketing/promotional efforts associated with these unique users. Such
tracking method shall be via a "persistent" cookie (or other similar method
agreeable to the parties) which shall be delivered to every HomeAdvisor user
on his or her first visit to the Company Site. There are situations in which
Company may engage in reduced rate advertising. In any such situation where a
reduction off Company's established rate card is given (i) to partners that
have taken an equity interest in Company (no such agreement currently being
in existence), or (ii) to persons for the beneficial interest of Company and
not MS (e.g., if the Company gives away advertising, or trades advertising in
exchange for advertising on another site), Company will accrue
button/banner/showcase/smart lead, etc., revenue to MS at a minimum of
[...***...] of Company's established rate card. In other situations not
contemplated above, including, for example, in case of a volume discount, no
adjustment will be made to the amounts ordinarily received by MS.

                  (c) Company will offer for sale, on terms mutually
agreeable to MS and Company, bCentral web site hosting, business service
packages, and desktop tools to its existing and future contractor network.
This includes those services currently available and new services as they
become available. Company will be paid based on existing and future
commercial sales incentive programs used by bCentral. An example of the
agreement terms and conditions is attached in EXHIBIT C, but these will
change from time to time, and Company and bCentral will work together to
reach mutually agreeable terms. This is a non-exclusive offering in that
Company may also sell up to [...***...] competing services to its contractor
network.

                  (d) Company shall maintain a HomeAdvisor logo and
navigation structure on sessions generated via a direct link from the
HomeAdvisor site (reflecting top level HomeAdvisor navigation, currently
containing "home page," "getting started," "neighborhoods," "homes,"
"financing," "offer and closing," and "help," but likely to change, and as
changed by HomeAdvisor user; and such logo and navigation structure shall
contain hyperlinks to such HomeAdvisor page(s) as specified by MS. Such logo
and navigation shall be

* CONFIDENTIAL TREATMENT REQUESTED

                                    2.

<PAGE>

provided by MS, and the exact page placement thereof shall be mutually agreed
upon by the parties, but must be at a minimum, located on the top third of
each page on the Company Site.

                  (e) Company shall provide a monthly report to MS, within 21
days of calendar month end, setting forth the following information: (1) the
number of unique HomeAdvisor users that clicked through to any areas of the
Company Site (broken down to show how many users clicked through from a query
box on the Intermediate Page and how many clicked through from different
links throughout the HomeAdvisor site), (2) the number of page views by such
users with respect to each page of the Company Site (with such pages being
described in an understandable manner based on the content thereof and not by
URL or IP address), and (3) the number of qualified job leads passed by the
Company Site to its professionals (e.g., contractors, architects and
designers).

                  (f) Company shall use reasonable commercial efforts to
comply with the testing and other technical specifications set forth in
EXHIBIT A hereto.

3.       MARKETING

         3.1 USE OF NAME OR MARKS. Each party hereby grants to the other the
right during the term of this Agreement to use, reproduce and publish, the
name and logos of the other party in the manner contemplated by this
Agreement. Company must use the HomeAdvisor names and logos in accordance
with the logo guidelines provided by MS from time to time (these guidelines
are currently located at http://homeadvisor.msn.com/ie/help/policies.asp.).
MS must use the ImproveNet names and logos in accordance with the logo
guidelines provided by ImproveNet from time to time. Company shall provide
Company logos in accordance with the logo specifications provided by MS. MS
and Company acknowledge that nothing contained herein shall give either party
any interest in any logo, trade name, trademark or service mark owned by the
other party. The mark owner may terminate the foregoing license if, in its
reasonable discretion, the licensee's use of the marks tarnishes, blurs or
dilutes the quality associated with the marks or the associated goodwill and
such problem is not cured within ten (10) days of notice of breach;
alternatively, instead of terminating the license in total, the owner may
specify that certain pages of the licensee's web site may not contain the
marks. The licensee shall not take any action inconsistent with the owner's
ownership of the marks, and any benefits accruing from use of such marks
shall automatically vest in the owner.

         3.2 PRESS RELEASES. Neither party shall issue any press release
relating to the relationship contemplated by this Agreement without giving
the other party three business days to review and approve such release, with
such approval to not be unreasonably withheld. If a party has not responded
in such three business day period, the other party may issue such press
release. Notwithstanding the foregoing, Company shall not issue any press
release prior to the Availability Date.

4.       PAYMENTS

         4.1 FEES. Company shall pay the greater of: (1) the Minimum Annual
Fee (as stated in 4.2); (2) the Unique User Referral Fee (as stated in 4.3);
and (3) a [...***...] Revenue Share (as stated in 4.4).

         4.2 MINIMUM ANNUAL FEE. Company shall pay MS a minimum annual fee of
$[...***...] for year one, $[...***...] for year two, and $[...***...] for
year three. The first two payments (total of $[...***...]) [...***...]. The
third payment of $[...***...] will be paid as follows: [...***...] on the
first day of the third year, and [...***...] one hundred and twenty days
following the first day of the third year.

         4.3 UNIQUE USER REFERRAL FEE: Company will accrue an obligation to
MS of $[...***...] per unique customer sent to the Company Site. These fees
will be tallied monthly and accrue against the minimum

* CONFIDENTIAL TREATMENT REQUESTED

                                      3.

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annual fees. Once such fees cumulative exceed the annual minimum, Company
will start to make payment of such fees to MS 30 days following the end of
each month they are accrued. The total annual user fee due under this Section
4.3 will be [...***...] the greater of [...***...], or $[...***...] in year
one, $[...***...] in year two, and $[...***...] in year three.

         4.4 REVENUE SHARE - COMPANY TO MS. Company shall track all gross
revenues associated with each unique user sent from HomeAdvisor to the Company
Site via the Intermediate Page. For the first contract year, Company will,
within 15 days of the end of such contract year, calculate MS's portion
([...***...] of the total) of such gross revenues and in the event that such
portion exceeds the amount described in 4.2 (Minimum Fee) or 4.3 (Unique User
Referral Fee), Company shall pay the excess within 30 days of such calculation
date. For the second contract year, Company will perform such calculations and
make applicable payments within 15 days of the end of the first six month period
and the end of the year, respectively. For the third contract year, Company will
perform such calculations and make applicable payments within 15 days of the end
of every three month period. The gross revenues exclude all taxes invoiced,
collected or withheld, refunds, credits, rebates and other allowances annually
granted (not to exceed [...***...]) and include all revenues actually received
from (but not limited to):
         - Contractor Lead Fees (currently $10/lead accepted by contractors)
         - Completed Job Revenue
         - Product Showcase & Design Gallery Integration
         - Banners & Brand Buttons
         - Brochure Showcases
         - SmartLeads Emails
         - Category Message Boards

         4.5 CONTRACTOR REFERRAL FEE: Company will pay MS [...***...] of all
gross revenues actually received by ImproveNet (excluding all taxes invoiced,
collected or withheld, refunds, credits, rebates and other allowances
actually granted, not to exceed [...***...]) from contractor signup fees for
each contractor MS enlists into the ImproveNet certified network through the
[...***...]. These fees are independent from the fees due under 4.1, and are
due 30 days following the end of the month they are accrued.

         4.6 REVENUE SHARE - MS TO COMPANY. In the event that MS agrees to
embed and host Company content on the HomeAdvisor Site, the parties shall
discuss a mutually beneficial arrangements which shall include, at a minimum,
payment by MS to Company of [...***...] of all gross revenues actually
received by MS (excluding all taxes invoiced, collected or withheld, refunds,
credits, rebates and other allowances actually granted, not to exceed
[...***...]) associated with each unique user that visits pages on
HomeAdvisor's site that contain Company content. This includes all revenues
from banner & button advertisements on such HomeAdvisor pages, and are due 30
days following the end of the month they are accrued.

* CONFIDENTIAL TREATMENT REQUESTED

                                   4.

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5.       REPRESENTATIONS AND WARRANTIES; LIMITATION OF LIABILITY

Each party hereby represents and warrants as follows: (i) it has full
corporate power and authority to enter into this Agreement and to carry out
the provisions hereof, (ii) it is duly authorized to execute and deliver this
Agreement and to perform its obligations hereunder, (iii) this Agreement is a
legal and valid obligation binding upon and enforceable according to its
terms, (iv) the execution, delivery and performance of this Agreement by it
does not conflict with any agreement to which it is a party or by which it
may be bound, and (v) its website contemplated by this Agreement (HomeAdvisor
in the case of MS, and the Company Site in the case of the Company), and the
services provided pursuant thereto, shall be of a high nature, grade and
quality and shall comply with all applicable laws and regulations throughout
the term of this Agreement.

EXCEPT AS SET FORTH ABOVE, NEITHER PARTY MAKES ANY WARRANTIES OF ANY KIND,
EITHER EXPRESS OR IMPLIED, AS TO ANY MATTER INCLUDING, BUT NOT LIMITED TO, A
WARRANTY OF FITNESS FOR PURPOSE OR OF MERCHANTABILITY.

OTHER THAN WITH RESPECT TO AN INDEMNIFIED CLAIM UNDER THIS AGREEMENT, NEITHER
PARTY WILL BE LIABLE FOR ANY SPECIAL INDIRECT, INCIDENTAL, CONSEQUENTIAL
DAMAGES (INCLUDING BUT NOT LIMITED TO SUCH DAMAGES ARISING FROM BREACH OF
CONTRACT OR WARRANTY OR FROM NEGLIGENCE OR STRICT LIABILITY), EVEN IF SUCH
PARTY HAS BEEN ADVISED OF (OR KNOWS OR SHOULD KNOW OF) THE POSSIBILITY OF
SUCH DAMAGES.

6.       INDEMNIFICATION

         6.1 INDEMNIFICATION BY MS. MS agrees to indemnify, pay the defense
costs of, and hold Company, and its successors, officers, directors and
employees harmless from any and all claims, demands, costs, liabilities,
losses, expenses and damages (including without limitation attorneys' fees)
arising out of or in connection with (a) the HomeAdvisor website, (b) any
claim which, taking the claimant's allegations to be

                                   5.

<PAGE>

true, would result in a breach by MS of any of its warranties, covenants or
other obligations set forth in this Agreement; and (c) any claim arising from
the negligence or willful misconduct of MS.

         6.2 INDEMNIFICATION BY COMPANY. Company agrees to indemnify, pay the
defense costs of, and hold MS, and its successors, officers, directors and
employees harmless from any and all claims, demands, costs, liabilities,
losses, expenses and damages, including without limitation attorneys' fees),
arising out of or in connection with (a) the Company Site (in the form
modified for HomeAdvisor users and in the form unmodified for non-HomeAdvisor
users); (b) any claim which, taking the claimant's allegations to be true,
would result in a breach by Company of any of Company's warranties, covenants
or other obligations set forth in this Agreement; and (c) any claim arising
from the negligence or willful misconduct of Company.

         6.3 PROCEDURE. In the event of an indemnified claim hereunder, the
indemnified party shall give the indemnifying party prompt notice in writing
of the claim (and any failure to provide prompt notice shall relieve the
indemnifying party of liability to the extent it is prejudiced by such delay)
and the indemnifying party shall have sole control over its defense or
settlement, except that the indemnifying party shall not settle or compromise
any such matter without obtaining the indemnified party's written consent,
which shall not be unreasonably withheld. The indemnified party shall have
the right at its own cost and expense to employ separate counsel and
participate in the defense of any claim or action.

7.       NON-DISCLOSURE

If MS and Company have entered into a Microsoft Non-Disclosure Agreement, MS
and Company agree that the terms of such agreement shall be deemed
incorporated herein, and further, that all terms and conditions of this
Agreement shall be deemed Confidential Information as defined therein. If MS
and Company have not entered into such agreement, then MS and Company agree
that any and all information identified by the other as "Confidential" and/or
"Proprietary," or which, under all of the circumstances ought reasonably to
be treated as Confidential and/or Proprietary, will not be disclosed to any
third person without the express consent of the other party for a period of
three (3) years following termination of this Agreement and that neither
party will make use of Confidential Information except under the terms of
this Agreement. These confidentiality obligations shall not apply to any
information which: (i) is or subsequently becomes available to the general
public other than through a breach by the receiving party; (ii) is already
known to the receiving party before disclosure by the disclosing party; (iii)
is developed through the independent efforts of the receiving party; or (iv)
the receiving party rightfully receives from a third party without
restriction as to confidentiality or use. The restriction on disclosure shall
not apply to Confidential Information that a court or governmental agency
requires be disclosed, or which must be disclosed in compliance with
applicable laws and regulations.

8.       DISPUTE RESOLUTION

         8.1 INFORMAL DISPUTE RESOLUTION. The parties shall attempt in good
faith to resolve any dispute arising out of or relating to this Agreement
through negotiation between representatives who have authority to resolve the
matter. Either party may give the other party written notice of any dispute
not resolved in the normal course of business, it being understood that a
notice delivered by a party pursuant to Section 10.2 below shall constitute
the delivery of a written notice of dispute pursuant to this SECTION 8.1.
Within five (5) days after its receipt of the notice, the receiving party
shall submit to the other party a written response. The notice and response
shall each include (a) a statement of the party's position and a summary of
the arguments supporting that position, and (b) the name and title of the
company representative who will represent that party. Within ten (10) days
following delivery of the original dispute notice, the parties' respective
representatives shall meet at a mutually acceptable time and place, and
thereafter as often as they reasonably deem necessary to attempt to resolve
the dispute. All reasonable requests for information made by either party to
the other will be honored.

                                    6.

<PAGE>

         8.2 ARBITRATION. If a dispute has not been resolved within thirty
(30) days of the disputing party's original notice under SECTION 8.1, or if
the parties fail to meet within the ten (10) days following such notice under
SECTION 8.1, then either party may initiate arbitration of the dispute. The
dispute shall then be submitted to mandatory and binding arbitration in San
Francisco in accordance with the commercial rules and procedures of the
American Arbitration Association before three arbitrators (one chosen by MS,
one chosen by the Company, and the third chosen by the mutual agreement of
the arbitrators chosen by MS and the Company). Judgment upon the award may be
entered by any court having appropriate jurisdiction. The arbitrators shall
not, however, in the case of a dispute between the parties not involving a
third party claim, be empowered to aware damages in excess of compensatory
damages.

         8.3 LITIGATION. The only circumstance in which a dispute between the
parties will not be subject to the provision of SECTIONS 8.1 and 8.2 above,
is when a party makes a good faith determination that a breach of the terms
of this Agreement by the other party is such that the damages to such party
resulting from the breach will be so immediate, so large o severe, and so
incapable of adequate redress after the fact that a temporary restraining
order or other immediate injunctive relief is the only adequate remedy.
Except for such relief, the parties shall resolve their disputes, whether or
not such relief is granted, in accordance with the provisions set forth in
SECTIONS 8.1 and 8.2.

         8.4 CONTINUED PERFORMANCE. Each party agrees to continue performing
its obligations under this Agreement when any dispute is being resolved under
ARTICLE 8, unless and until such obligations are terminated by the expiration
or termination of this Agreement or by order of a court of competent
authority under SECTION 8.2 or SECTION 8.3.

9.       TERMINATION

         9.1 TERM. The term of the Agreement shall commence on the Effective
Date and shall expire on the third anniversary of the Availability Date,
unless earlier terminated as provided herein.

         9.2 TERMINATION FOR CAUSE. In the event either party shall
materially fail to perform or comply with the terms of this Agreement, the
other party may terminate if such failure has not been remedied within 30
days of written notice thereof to the other party.

         9.3 SURVIVAL. Sections 5, 6, 7 and 10 shall survive any expiration
or termination of this Agreement.

10.      GENERAL

         10.1 MISCELLANEOUS. If either MS or Company employs attorneys to
enforce any rights arising out of or relating to this Agreement, the
prevailing party shall be entitled to recover reasonable attorneys' fees an
costs, including expert witness fees. Neither party may assign all or any
portion of this Agreement unless the other party consents in writing, which
consent will not be unreasonably withheld provided that either party may
assign this Agreement without consent to any of its subsidiaries, affiliates,
joint ventures, partnerships, and limited liability companies in which it has
a majority interest, and to any company into which it merges if it is not the
surviving entity. No partnership, joint venture, employment, agency,
franchise, or other form of agreement or relationship is intended by this
Agreement. The parties agree that this Agreement constitutes the entire
agreement between the parties with respect to the subject matter hereof and
merges all prior and contemporaneous communications. This Agreement shall not
be modified except by a written agreement dated subsequent hereto signed on
behalf of the parties by their duly authorized representatives. Neither party
will be liable for any default or delay in the performance of its obligations
hereunder due to an act of God or other event to the extent that: 1) the
non-

                                    7.

<PAGE>

performing party is without fault in causing such default or delay; 2) such
default or delay could not have been prevented by reasonable precaution; and
3) such default or delay cannot reasonably be circumvented by the
non-performing party through the use of alternate sources, work around plans
or other means. This Agreement, and the rights and duties of the parties
arising from or relating to this Agreement or its subject matter, shall be
construed in accordance with the laws of the State of California, without
regard to its conflicts of laws provisions.

         10.2 NOTICES AND REQUESTS. All notices and requests in connection
with this Agreement shall be deemed given as of the day they are (i)
deposited in the U.S. mails, postage prepaid, certified or registered, return
receipt requested; or (ii) sent by overnight courier, charges prepaid, with a
confirming fax; and addressed as follows:

COMPANY:    IMPROVENET, INC.             MS:            MICROSOFT CORPORATION
            720 BAY ROAD, SUITE 200                     One Microsoft Way
            REDWOOD CITY, CA 94063                      Redmond, WA  98052-6399
Attention:  Ron Cooper                   Attention:
Fax:
Phone:
                                         with a cc to:  MICROSOFT CORPORATION
                                                        One Microsoft Way
                                                        Redmond, WA  98052-6399
                                         Attention:     Law & Corporate Affairs
                                                        Department
                                                        U.S. Legal Group
                                         Fax:

or to such other address as the party to receive the notice or request so
designates by written notice to the other.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed as of the dates indicated below.

MICROSOFT CORPORATION                   IMPROVENET, INC.

     /s/ Brian R. Mistere                   /s/ Ronald B. Cooper
----------------------------------      ----------------------------------
By  (sign)                              By  (sign)

     Brian R. Mistere                       Ronald B. Cooper
----------------------------------      ----------------------------------
Name (Print)                            Name (Print)

     Unit Manager                           President and CEO
----------------------------------      ----------------------------------
Title                                   Title

      12/7/99                               12/7/99
----------------------------------      ----------------------------------
Date                                    Date

                                     8.

<PAGE>

                                    EXHIBIT A

         (1) COMPETITORS - The page(s) of the Company Site served after entry
from the Intermediate Page (or other links from HomeAdvisor to the Company
site) shall not contain any categories, hyperlinks, advertisements,
sponsorships, or other content relating to home listings of any kind (real
estate broker or agent, classified, for sale by owner or otherwise), mortgage
loans/services, or any other real estate related products or services. In
addition, the page(s) of the Company served after entry from the Intermediate
Page (or other links from HomeAdvisor to the Company site) shall not contain
any categories, hyperlinks, advertisements, sponsorships, or other content
from any of the following companies: [...***...] or any affiliate of any of
the foregoing. In addition, during the course of this agreement, Company may
not enter into a commercial relationship with [...***...] or any of [...***...]
affiliates.

         (2) The parties shall use their reasonable commercial efforts to
adhere to the following Development Schedule (and shall work together to
revise the action items and due dates as necessary):

<TABLE>
<CAPTION>

              Action Item                     Due Date          Owner
--------------------------------------------------------------------------------
<S>                                          <C>               <C>
Intermediate Page Review                     [...***...]       MS/Company
--------------------------------------------------------------------------------
Prototype functioning for HomeAdvisor
(Intermediate Page built and links
working)                                     [...***...]       MS/Company
--------------------------------------------------------------------------------
Intermediate Page & integrated
site/Company Site live date                  [...***...]       MS/Company
--------------------------------------------------------------------------------
</TABLE>

         The current Intermediate Page live on Home Advisor, due to expire
per the current agreement after [...***...], will remain intact until the
relaunch on approximately [...***...] of the new Intermediate Page.

         (3)      The parties shall use their reasonable commercial efforts to
                  adhere to the following testing specifications:

         Company shall test the Company Site and MS shall test HomeAdvisor to
confirm that it operates with Netscape Navigator (domestic USA) versions 4.0
and later, and that it operates with and is optimized for MS Internet
Explorer (domestic USA) versions 4.0 and later, all running on leading
hardware platforms, consisting of (when versions are available): MS Windows
3.1, Windows 95, Windows 98, Windows NT, the Apple Macintosh operating
systems and such other platforms as the parties may mutually agree to add or
remove from time to time. The parties shall mutually determine a process and
software to use for communicating bugs.

         (4) The parties shall use their reasonable commercial efforts to adhere
         to the following specifications:

         Company with respect to the Company Site, and MS with respect to
HomeAdvisor, shall each regularly monitor the operation and performance of
the such site, respond to technical and customer inquiries, and conduct
similar business hours and practices in a manner consistent with the rules,
policies, and procedures consistent with industry standards.

         The parties shall mutually agree on communication processes for
sharing and updating each other's requirements and technical teams. Each
party shall make commercially reasonable efforts to adhere to a mutually
agreed set of technical processes, policies, rules, and procedures for
sharing schedules, screen shots, updates, schedule information, and other
relevant technical information. Each party shall be

* CONFIDENTIAL TREATMENT REQUESTED

                                    9.

<PAGE>

responsible for notifying the other in the event that it discovers a
technical problem with the service of the other party.

         MS and Company shall each use commercially reasonable efforts to
support increasing numbers of users, including operating sufficient servers
for user traffic, and shall promptly inform the other party of the failure of
relevant Web servers. Company shall operate its Web server(s) at a capacity
below 30%, where capacity is calculated as a daily average of hourly samples
and represents what % of the system's full capabilities are being met.
Company shall have uptime of 99.5%, where uptime is defined as the portion of
time when the system is accessible and available to users. Uptime shall be
calculated on a monthly basis and based on daily updates. Uptime shall not
include scheduled maintenance.

                                       10.

<PAGE>

                                    EXHIBIT B

The following general guidelines will apply to the placement of hyperlinks
from HomeAdvisor to the Company Site, unless both companies mutually agree
otherwise. Aside from the link in (*) none of the links to Company will
include branding or "ImproveNet.com" related text, but be generically
referred to as "find a contractor" or "home improvement" or something to that
effect. As HomeAdvisor releases new versions of its site, the exact
placement, number and treatment of these links is subject to change (except
for the treatment on the Intermediate Page), but this exhibit is designed to
lay out the spirit of the links MS & Company will work toward implementing.

                                EFFECTIVE 12/3/99

MARKETPLACE - ImproveNet will get a logo, text description, and [...***...]
guaranteed impressions in a combination of HomeAdvisor's MarketPlace and
button rotation across the site.

                       EFFECTIVE APPROXIMATELY [...***...]

LINKS FROM HOMEADVISOR HOME PAGE:  http://homeadvisor.msn.com/ie
There will be a link from the HomeAdvisor home page named "Find a
Professional" or "Professional Services" or something similar in the
"Resources & Services" area. This will link to an "Intermediate Page."

THE INTERMEDIATE PAGES
The Company and MS will work together to create a section of integrated
content similar to that found on the Home Improvement section of the site at
http://homeadvisor.msn.com/ie/services/homeimprovement.asp. The Company will
have a branded link and query fields (supporting navigation by type of
professional, viewing designs, viewing products, and finding remodeler's
resources) that take people directly to the appropriate places on the
company's site. The Company will be branded with a logo link (*) with maximum
pixel size of (77Wx33H) that will take users directly to the Company's home
page.

LINKS FROM THE PARTNERS PAGE*:
http://homeadvisor.msn.com/ie/partnerscenter/infoproviderlist.asp. There will
be one Company text link of a location and representation similar that which
exists for ImproveNet.com on the Partners page as of 11/16/99.

HOMEADVISOR KEYWORDS:  http://homeadvisor.msn.com/ie/
HomeAdvisor and ImproveNet will agree upon list of keywords in the
HomeAdvisor search engine. When results for keywords are returned, links to
ImproveNet's "Find A Professional" area on the HomeAdvisor site will appear.

LINKS IN THE HOMEADVISOR REMODELING SECTION
HomeAdvisor's Version 4.0 (currently slated for [...***...] release) will
have a [...***...] section in the [...***...] area with the following
contemplated sections: [...***...] (titles and content subject to change at
MS sole discretion). We will link to ImproveNet in areas that make editorial
sense, with the following links currently planned (subject to change at MS
sole discretion).

     -    [...***...] - Within this section, we plan to have links
          to:

* CONFIDENTIAL TREATMENT REQUESTED

                                       11.

<PAGE>

          -    Visit ImproveNet's Design Gallery for home improvement ideas
               < http://www.improvenet.com/dream/designgallery/index.html >
          -    Make sure the contractor you've found is up to snuff with
               ImproveNet contractor screening
               < http://www.improvenet.com/secure/legalcredit.html >
          -    Make sure your contract is legit with ImproveNet's contract
               review
               < http://www.improvenet.com/secure/contractorview.html >
          -    Find a Professional
               http://www.improvenet.com/tools/form/form_35.asp

     -    [...***...] - Within this section, we plan to have links to:
          -    Visit ImproveNet's DesignGallery for home improvement ideas
               < http://www.improvenet.com/dream/designgallery/index.html >
          -    Find a Professional
               http://www.improvenet.com/tools/form/form_35.asp
     -    [...***...] - Within this section, we plan to have links to:
          -    Link to Kitchen and Bath Design Showcases
               < http://www.improvenet.com/dream/designgallery/KitchenShowcase/
               KitchenShowcase.html > and
               < http://www.improvenet.com/dream/DesignGallery/BathShowcase/
               BathShowcase.html >
          -    Link to Product showcases
               < http://www.improvenet.com/dream/productshowcase/index.html >

CALCULATORS - ImproveNet's kitchen and bathroom estimator will be featured in
the [...***...] section and Resources & Services calculator page. As ImproveNet
develops other calculators, we will explore integrating these as appropriate.

* CONFIDENTIAL TREATMENT REQUESTED

                                       12.

<PAGE>

                                    EXHIBIT C

                                  EXAMPLE ONLY

                               RESELLER AGREEMENT
                     LINKEXCHANGE PREMIUM MEMBERSHIP PROGRAM

         This Agreement, by and between LINKEXCHANGE, INC. ("LinkExchange"), a
California corporation, and a wholly own subsidiary of Microsoft Corporation,
with its principal offices at 2172nd Street, San Francisco, CA 94105, and
_________________________, a ___________a corporation, with its principal
offices at __________________________________ ("Company") is made and entered
into as of the later of the two signature dates below (the "Effective Date").
The parties agree that Company will promote, market, offer for sale and sell to
third party end users Premium Memberships in the LinkExchange Network according
to the terms set forth below and the attached Standard Terms and Conditions. The
Standard Terms and Conditions are incorporated into this Agreement by this
reference.

1.       LAUNCH DATE:  _____________, 1999
2.       TERM:  Commencing on the Effective Date and terminating ____ months
         following the Launch Date.
3.       COMMISSIONS:
         a.       SUGGESTED RETAIL PRICES (subject to change by Microsoft from
                  time to time):

<TABLE>
<CAPTION>
                     --------------------------- ---------------------- --------------------
                                                                            Annual Fees
                     --------------------------- ---------------------- --------------------
                     <S>                         <C>                    <C>
                     Business Membership               [...***...]          [...***...]
                     --------------------------- ---------------------- --------------------
                     Professional Membership           [...***...]          [...***...]
                     --------------------------- ---------------------- --------------------
</TABLE>

         b.       COMPANY DISCOUNT:

<TABLE>
<CAPTION>
                      Monthly Memberships:
                     -----------------------------------------------------------------------------------

                     -----------------------------------------------------------------------------------
                     <S>                                                                          <C>
                     [...***...] or less Monthly Membership                                       15%
                     -----------------------------------------------------------------------------------
                     Less than [...***...], but more than [...***...], Monthly Memberships        25%
                     -----------------------------------------------------------------------------------
                     Less than [...***...], but more than [...***...], Monthly Memberships        35%
                     -----------------------------------------------------------------------------------
                     More than [...***...] Monthly Memberships                                    45%
                     -----------------------------------------------------------------------------------

                      Annual Memberships*:
                     -----------------------------------------------------------------------------------

                     -----------------------------------------------------------------------------------
                     [...***...] or less Annual Memberships (inclusive)                           25%
                     -----------------------------------------------------------------------------------
                     [...***...] to [...***...] Annual Memberships (inclusive)                    35%
                     -----------------------------------------------------------------------------------
                     [...***...] to [...***...] Annual Memberships (inclusive)                    45%
                     -----------------------------------------------------------------------------------
                     [...***...] or more Annual Memberships (inclusive)                           50%
                     -----------------------------------------------------------------------------------

                      Pre-paid Annual Memberships:
                     -----------------------------------------------------------------------------------

                     -----------------------------------------------------------------------------------
                     [...***...] or less Pre-paid Annual Memberships (inclusive)                  35%
                     -----------------------------------------------------------------------------------
                     [...***...] to [...***...] Pre-paid Annual Memberships (inclusive)           40%
                     -----------------------------------------------------------------------------------
                     [...***...] to [...***...] Pre-paid Annual Memberships (inclusive)           45%
                     -----------------------------------------------------------------------------------
                     [...***...] to [...***...] Pre-paid Annual Memberships (inclusive)           50%
                     -----------------------------------------------------------------------------------
                     [...***...] or more Pre-paid Annual Memberships (inclusive)                  60%
                     -----------------------------------------------------------------------------------
</TABLE>

         *Pre-paid Annual Premium Memberships will not be included when
         determining the discounts applicable to Annual Premium Memberships.

                                         1.

<PAGE>

         This Agreement does not constitute an offer by LinkExchange and it
will not be effective unless and until signed by both parties.

LINK EXCHANGE, INC.                       [                                ]

By                                        By
  --------------------------------          --------------------------------

Name (Print)                              Name (Print)
            ----------------------                    ----------------------

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

Date                                      Date
    ------------------------------            ------------------------------

                                          Address
                                                 ---------------------------

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

                                                 ---------------------------
                                          Fax:   (   )
                                                 ---------------------------

                                        2.

<PAGE>

STANDARD TERMS AND CONDITIONS

SECTION 1.    DEFINITIONS

Terms contained in this Agreement with the initial letter capitalized will
have the applicable meanings se forth below or elsewhere in this Agreement.

"Discount Rate" means the discount off of the suggested retail price set
forth on the attached cover page.

"Launch Date" means the first day that the sign Up Pages may be accessed
through the Company's web site by third parties.

"Link" means a hypertext link to the LinkExchange web site provided to
Company by LinkExchange.

"Premium Member" means a person registering for a Premium Membership via the
Sign Up Pages.

"Premium Member Terms" means the terms of use applicable to the Premium
Memberships, as the same may be modified by LinkExchange from time to time.

"Premium Memberships" means on or more of the LinkExchange premium
memberships currently consisting of Starter, Business and Professional
memberships described at the URL http:\\premium\linkexchange.com (or any
successor site). Premium Memberships may be sold or distributed by Company on
a monthly or annual subscription basis. "Monthly Membership" means a Premium
Membership with a month to month term. "Annual Membership" means Premium
Membership with a twelve (12) month term. "Pre-paid Annual Membership" means
an Annual Premium Membership for which LinkExchange has received full payment
of the suggested retail price set forth on the attached cover page, less the
applicable Discount Rate, prior to such membership becoming effective.

"Sign Up Pages" means pages located on one or more of Company's web sites,
created pursuant to paragraph 4.2.

"Suggested Retail Price" means the suggested retail prices set forth to
paragraph 3(a) of the attached cover page.

"Term" meant the period described in paragraph 6.1.

SECTION 2.    APPOINTMENT OF RESELLER

2.1 APPOINTMENT. LinkExchange hereby appoints Company, and Company hereby
accepts LinkExchange's appointment, as a reseller of Premium Memberships,
subject to and in accordance with the provisions of this Agreement.

2.2 LIMITATIONS. Company will promote, market, offer for sale and sell
Premium Memberships solely to third party end users. Company may not offer
for sale, sell or otherwise distribute Premium Memberships through a third
party or sublicense any of the rights granted in this Agreement. All Premium
Memberships must be sold or otherwise distributed subject to the Premium
Member Terms.

SECTION 3.    REVENUES AND REPORTS

3.1 CONSIDERATION. On a monthly basis, Company will pay to LinkExchange the
applicable Suggested Retail Price (as the same may be changed by Microsoft
from time to time), less the applicable Discount Rate, for each Premium
Membership sold or otherwise distributed by Company during such month.

3.2 DISCOUNT RATE. The Discount Rate applicable to Company for Premium
Memberships is determined as follows: (a) Monthly Memberships, based upon the
number of Premium Memberships paid by Company to LinkExchange during a given
month; (b) Annual Memberships, based upon the number of Annual Memberships
sold or distributed by Company during the Term; and (c) Pre-paid Annual
Memberships, based upon the number of

                                      1.

<PAGE>

Pre-paid Annual Premium Memberships sold or distributed by Company during the
Term (but not including Annual Memberships).

3.3 PAYMENTS. Within thirty (30) days after the end of each month, Company
will pay to LinkExchange in readily available funds all amounts owing to
LinkExchange pursuant to paragraph 3.1.

3.4 REPORTS. Within thirty (30) days after the end of each month, Company
will deliver to LinkExchange a report setting forth the number of Premium
Memberships (itemized by membership type) sold or otherwise distributed by
Company during such month, the number of Premium Members registered through
or otherwise authorized by Company to use the Premium Member services during
such month, the calculation of the amounts owing pursuant to paragraph 3.1,
and such usage data as LinkExchange may specify (including, without
limitation, aggregate demographic data, individual demographic data, and Sign
Up Page usage data). Such reports will be delivered in the form and format
specified by LinkExchange.

3.5 AUDITS. Company will keep usual and customary records and books of
account relating to Premium Members, Premium Memberships sold or otherwise
distributed by Company, and Company's other obligations hereunder.
LinkExchange may inspect such books of account and records at Company's
facilities and during Company's regular business hours upon five (5) days
prior written notice in order to verify Company's compliance with this
Agreement. LinkExchange will bear the cost of such inspection, except that
Company will pay all reasonable costs of inspection if that inspection
uncovers (a) an error of five percent (5%) or greater in the amounts payable
to LinkExchange for such audited period, or (b) Company is in material breach
of the Agreement. Company will promptly pay to LinkExchange any amounts
deemed owing as a result of such inspection, together with all applicable
interest.

3.6 TAXES. Company will bill, collect and remit to the appropriate taxing
authorities all sales, use, value added, and other comparable taxes due or
owing pursuant to this Agreement or the transactions contemplated hereunder
(other than taxes on LinkExchange revenues), and will provide LinkExchange
with proof of such payments upon request. Company is solely liable for any
and all such taxes, including penalties, interest and other additions
thereon. All amounts to be paid by Company to LinkExchange are exclusive of
all taxes imposed by any federal, foreign, state, provincial, municipal,
local and other taxing authorities, including income, franchise, excise,
gross receipts, sales, use, value added, property or similar tax, now or
hereafter imposed on Company.

3.7 CURRENCY. All amounts owing hereunder will be computed in United States
dollar currency and paid in United States dollar currency.

3.8 INTEREST. Any amounts not paid when due under this Agreement will bear
interest at the rate of eighteen percent (18%) per annum or the maximum rate
permitted by applicable law, whichever is less. Interest will be compounded
on a monthly basis.

SECTION 4.    COMPANY OBLIGATIONS

4.1 PROMOTION. Company will use its commercially reasonable efforts to
promote, market, offer for sale and sell the Premium Membership, and will
cooperate with LinkExchange in promoting and marketing the Premium
Memberships. Without limiting the foregoing, Company will diligently promote
the Premium Memberships through all of Company's standard promotional
vehicles (e.g., newsletters, welcome e-mail, banner advertising and
update/news e-mail), and Company will incorporate into the home page of
Company's web sites a LinkExchange Logo provided by LinkExchange, linked to
the web site specified by LinkExchange. Company will submit all promotional
materials prepared by or for Company related to the Premium Membership to
LinkExchange for review and may not distribute such materials without
LinkExchange's prior written approval.

4.2 SIGN UP PAGES. Company will create and host web pages as part of
Company's web sites that permit third parties to purchase Premium
Memberships. The initial Sign Up Pages will be in the form specified by
LinkExchange in writing, and all Sign Up Pages will be submitted to
LinkExchange for their review and approval prior to implementation. Company
may not modify the Sign Up Pages or any LinkExchange hypertext link without
the prior written approval of LinkExchange. All Sign Up Pages will
prominently contain a hypertext link provided

                                   2.

<PAGE>

by LinkExchange, which link shall be placed "above the fold" in a screen act
at 650 x 480 pixels (i.e., such that a user visiting the a web page
containing the such link is not required to scroll in any direction to view
such link).

4.3 INFORMATION. Company will obtain appropriate contact information from
Premium Members, and will deliver such information to LinkExchange on a
monthly basis at the time and in the form and format specified in
LinkExchange. Company will inform Premium Members, in a manner that satisfies
applicable laws and regulations, that information collected will be
transferred to LinkExchange in connection with the Premium Memberships.

4.4 RESTRICTIONS. Company will not promote, market, offer for sale, sell or
resell any product or service that competes with or may serve as a substitute
(in whole or in part) for the services available through the Premium
Membership program, in whole or in part ("Competing Services"). In addition,
for a period of three (3) months following the expiration or termination of
the Term. Company will not promote, market, offer for sale, sell or resell
any Competing Services to any Premium Member. Company may not disclose
information collected from Premium Members to any third party in any form
that identifies such Premium Members as customers of LinkExchange or for use
in connection with developing, marketing, promoting or selling Competing
Services.

SECTION 5.    LINKEXCHANGE OBLIGATIONS

5.1 LINKEXCHANGE PREMIUM PROGRAM. LinkExchange will provide Company with a
version of the LinkExchange Premium Membership program to be co-branded with
Company's name and logos. Premium Member Terms will be at LinkExchange's sole
discretion including, without limitation, the products and services to be
offered within the Premium Membership program. All persons registering to
become a Premium Member through the Sign Up Pages are subject to the Premium
Member Terms, as the same may be modified from time to time by LinkExchange.
In addition, all Premium Members are subject to acceptance in the discretion
of LinkExchange.

5.2 CUSTOMER SERVICE. Subject to paragraph 4.3, LinkExchange will be
responsible for technical support services relating to the Premium Membership
program.

5.3 LINKEXCHANGE RIGHTS. LinkExchange is entitled to continue to offer the
Premium Memberships separately from this Agreement, as LinkExchange may deem
appropriate in its sole discretion. LinkExchange will further be entitled to
offer and provide additional products or services directly to Premium Members
and other third parties on such terms and conditions as LinkExchange may
determine in its sole discretion. LinkExchange may modify or terminate the
Premium Membership program at any time, in its discretion. LinkExchange (and
its licensors) reserves all rights in all other code, software, logos, links
and other materials provided by or on behalf of LinkExchange hereunder.

SECTION 6.    TERM AND TERMINATION.

6.1 TERM. The Term of this Agreement is set forth in paragraph 2 of the
attached cover page. Upon expiration of the Term and any subsequent extension
thereof, this Agreement will automatically extend for consecutive one (1)
month periods, unless one party notifies the other party in writing of its
intent not to renew the Agreement at least thirty (30) days prior to the
expiration date of then-current Term.

6.2 TERMINATION. In addition to any other rights and/or remedies that either
party may have under the circumstances, all of which are expressly reserved
by the parties, either party may immediately terminate this Agreement upon
written notice to the other party if: (a) such other party materially
breaches this Agreement and fails to cure that breach within fifteen (15)
business days after written notice thereof; (b) LinkExchange terminates the
Premium Membership program; (c) Company breaches paragraph 9.1; or (d) either
party becomes involved or makes any assignment for the benefit of creditors
or similar transfer evidencing insolvency, or suffers or permits the
commencement of any form of insolvency or receivership proceedings or files
or has filed against it any petition under any bankruptcy, debtor relief or
similar law, which petition is not dismissed within sixty (60) days of such
filing, or appoints or has appointed a trustee or receiver for such party's
business or ____________ or any part thereof.

                                     3.

<PAGE>

6.3 TERMINATION PROCEDURE. Upon expiration or termination of this Agreement
for any reason, Company will have no further right to market, promote, offer
for sale or sell Premium Memberships. Company will cooperate in good faith
with LinkExchange to transfer all Premium Member information (including,
without limitation, billing information) to LinkExchange, and to facilitate
an orderly transition of Premium Members to LinkExchange.

6.4 EFFECT OF TERMINATION. Upon termination or expiration of this Agreement
for any reason, each and every clause which by its nature is intended to
survive the termination of this Agreement (including, without limitation,
paragraph 4.5, 6.3 and 6.4, and paragraphs 3, 7, 8 and 9) will survive.
Neither party will be liable to the other party for damages arising from or
related to termination of this Agreement in accordance with this paragraph 6.

SECTION 7.    WARRANTIES AND INDEMNITY

7.1 COMPANY. Company warrants and represents that: (a) it has sufficient
authority to enter into this Agreement; (b) the Sign Up Pages and all
materials delivered by Company to LinkExchange pursuant to this Agreement do
not infringe the copyrights, trademarks, service marks, rights of publicity
or privacy, or any other intellectual property or proprietary right of any
third party; (c) the Company web site and the Sign Up Pages, and all actions
occurring therein, are in compliance with all applicable laws; (d) Company
will comply with all applicable laws and governmental regulations related to
the transactions contemplated by this Agreement; and (e) each Company web
site containing a Sign Up Page include a privacy statement available to end
users of such web site, and Company will adhere to the information gathering,
dissemination, privacy protection and other practices specified in such
privacy statement.

7.2 INDEMNIFICATION. Company will defend, indemnify and hold LinkExchange
harmless from and against any loss, claim, liability, damage or expense
(including, without limitation, reasonable attorneys' fees) arising from or
otherwise related to any claim or action threatened or commenced against
LinkExchange by a third party arising from or related to any breach or
alleged breach by Company of this Agreement. LinkExchange will reasonably
cooperate with Company, at Company's expense, in connection with the defense
and settlement of any such claim or action, which settlement will be subject
to LinkExchange's written approval which will not be unreasonably withheld.
LinkExchange will have the right to employ separate counsel and participate
in the defense and settlement of any such claim or action at LinkExchange's
sole expense.

7.3 WARRANTY DISCLAIMER. THE LINKEXCHANGE NETWORK (INCLUDING ALL OF THE
PRODUCTS AND SERVICES AVAILABLE THROUGH THE PREMIUM MEMBERSHIP) AND ANY OTHER
MATERIALS OR SERVICES PROVIDED TO COMPANY PURSUANT TO THIS AGREEMENT ARE
PROVIDED "AS IS" AND WITH ALL DEFECTS. LINKEXCHANGE HEREBY DIS-CLAIMS ALL
REPRESENTATIONS, WARRANTIES AND CONDITIONS, EXPRESS OR IMPLIED, OF FITNESS
FOR A PARTICULAR PURPOSE, MERCHANTABILITY, TITLE, NONINFRINGEMENT,
COMPATIBILITY, SECURITY, AND CONDITION OR OPERATION OF THE FOREGOING. COMPANY
ACKNOWLEDGES THAT THE IMPRESSIONS HOSTED TO COMPANY'S SITE ARE PROVIDED BY
THIRD PARTIES AND THAT LINKEXCHANGE IS NOT RESPONSIBLE FOR THE CONTENT OF
SUCH ADVERTISEMENTS. IN ADDITION, LINKEXCHANGE IS NOT RESPONSIBLE FOR AND
DOES NOT WARRANT THE CONTINUED OR INTERRUPTED OPERATION OF THE INTERNET.
Company may not make any representations, warranties or conditions with
respect to Premium Memberships, or any product or services available through
the Premium Memberships, except as expressly set forth in the Premium Member
Terms.

SECTION 8.    LIMITATIONS.

8.1 LIMITATION OF REMEDIES. Except to the extent arising pursuant to
paragraph 7.2 or a breach of paragraph 9.1, NEITHER PARTY WILL BE LIABLE TO
THE OTHER PARTY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE,
SPECIAL OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO THIS AGREEMENT
(INCLUDING DAMAGES FOR LOSS OR INTERRUPTION OF BUSINESS, PROFITS, REVENUES OR
DATA, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES), WHETHER ARISING IN TORT (INCLUDING NEGLIGENCE), CONTRACT, STRICT
LIABILITY, PRODUCT LIABILITY OR OTHER CAUSE OF ACTION. NOTWITHSTANDING THE
FOREGOING, THIS SECTION WILL NOT LIMIT EITHER PARTY'S ABILITY TO OBTAIN
INJUNCTIVE OR OTHER EQUITABLE RELIEF UNDER THIS AGREEMENT.

                                    4.

<PAGE>

8.2 LIMITATION ON DAMAGES. Except to the extent arising pursuant to paragraph
7.2 or a breach of paragraph 9.1, NEITHER PARTY WILL BE LIABLE TO THE OTHER
PARTY UNDER THIS AGREEMENT IN THE AGGREGATE FOR DAMAGES IN EXCESS OF THE
AMOUNTS PROPERLY PAID, OWING AND ACCRUED TO COMPANY HEREUNDER.

SECTION 9.    MISCELLANEOUS

9.1 CONFIDENTIALITY. The parties acknowledge and agree that the LinkExchange
Non-Disclosure Agreement dated as of ____________ ("NDA") entered into by and
between the parties applies to this Agreement as if fully set forth herein
and that all of the terms of this Agreement (including but not limited to its
existence) and all discussions and negotiations related thereto are
considered Confidential Information of LinkExchange under the NDA. Upon
termination or expiration of this Agreement, Company will destroy (or upon
the other party's request return) any and all confidential information and
materials of LinkExchange in Company's possession or control.

9.2 NOTICES. All notices and requests in connection with this Agreement will
be deemed given (a) when personally delivered, (b) when delivered by
facsimile or telex, (c) the next business day following delivery to a
nationally recognized courier service guarantying next-day delivery, or (d)
five (5) business days after being placed in the mails of the United States,
postage prepaid, certified or registered, return receipt requested, to the
applicable address set forth on the attached cover page (or to such other
address as the party to receive the notice or request so designates by at
least ten (10) days prior written notice to the other party).

9.3 INDEPENDENT CONTRACTOR. Company is an independent contractor, and not an
employee, agent, franchisee, or representative of LinkExchange. Except as
otherwise specifically provided in this Agreement, Company will perform its
obligations under this Agreement at its own expense. Company is not
authorized to, and will not attempt to create or assume any obligation or
liability, express or implied, in the name or otherwise on behalf of
LinkExchange. Without limiting the generality of the foregoing, Company will
not enter into any contract, agreement or commitment, make any warranty or
guaranty, or incur any obligation or liability in the name or otherwise on
behalf of LinkExchange. This Agreement will not be construed as creating or
evidencing any franchise, agency or partnership among the parties or as
imposing any franchise, agency or partnership obligation or liability on
either party.

9.4 COSTS. Each party is responsible for all costs associated with fulfilling
its obligations hereunder.

9.5 GOVERNING LAW. This Agreement will be governed by the laws of the State
of Washington. Company hereby irrevocably consents to the personal
jurisdiction of, and for any action governed by or on behalf of Company
exclusive venue in the state and federal courts sitting King County,
Washington, USA. In any suit or action to enforce any right or remedy under
this Agreement or to interpret any provision of this Agreement, the
prevailing party will be entitled to recover its costs, including reasonable
attorneys' fees.

9.6 ASSIGNMENT. Company may not assign this Agreement without LinkExchange's
prior written approval. Any attempted assignment, sub-license, transfer,
encumbrance or other disposal of this Agreement by Company without
LinkExchange's prior written approval will be void and will constitute a
material default and breach of this Agreement. Except as otherwise provided,
this Agreement will be binding upon and will inure to the benefit of the
parties' successors and lawful assigns.

9.7 HEADINGS. The section headings used in this Agreement are intended for
convenience only and will not be deemed to affect in any manner the meaning
or intent of this Agreement or any provision hereof.

9.8 MODIFICATION. This Agreement will not be modified except by a written
agreement dated subsequent to the date of this Agreement and signed on behalf
of Company and LinkExchange by their respective duly authorized
representatives.

9.9 WAIVER. No waiver of any breach of this Agreement will constitute a
waiver of any prior, concurrent or subsequent breach of the same or any other
provisions hereof, and no waiver will be effective unless made in writing and
signed by the waiving party.

                                      5.

<PAGE>

9.10 SEVERABILITY. To the extent that any provision of this Agreement
conflicts with governing law, or is held to be null, void or otherwise
ineffective or invalid by a court of competent jurisdiction, (a) such
provision will not be deemed to be restated to reflect as nearly as possible
the original intentions of the parties in accordance with applicable law, and
(b) the remaining terms, provisions, covenants and restrictions of this
Agreement will remain in full force and effect.

9.11 COUNTERPARTS. This Agreement may be executed in one or more
counterparts, all of which taken together will constitute one agreement.

9.12 LANGUAGE. This Agreement has been negotiated in the English language and
it is the express wish of the parties that this Agreement, and all related
documents be drafted in the English language. C'est la volonte expresse des
parties que la presente convention ainsi que les documents qui a y
rattachment soient rediges en anglais.

9.13 ENTIRE AGREEMENT. Subject to paragraph 5.1, this Agreement constitutes
the entire agreement between the parties with respect to the subject matter
hereof and supersedes all prior and contemporaneous agreements or
communications between the parties.

                                     6.<PAGE>

                                                                   EXHIBIT 10.20

                                            ***TEXT OMITTED AND FILED SEPARATELY
                                                CONFIDENTIAL TREATMENT REQUESTED
                                          UNDER 17 C.F.R. SECTIONS 200.80(b)(4),
                                                            200.83 AND 240.24b-2

                                    AGREEMENT

THIS AGREEMENT ("Agreement") is made and entered into as of the later of the
two signature dates below (the "Effective Date") by and between IMPROVENET,
INC. ("ImproveNet"), a Delaware, U.S.A. corporation, and COMPLETEHOME
OPERATIONS, INC. ("CompleteHome"), a Delaware, U.S.A. corporation.

BACKGROUND

ImproveNet is an Internet-based home improvement market maker in the United
States for contractors, homeowners and suppliers of goods and services
related to home improvement. ImproveNet provides an Interact-based contractor
matching service pursuant to which it screens and qualifies both contractors
and homeowner leads and matches appropriate and interested contractors to
homeowners seeking to have home improvement projects performed. ImproveNet
also provides other informational services to homeowners and contractors as
well as promotional and advertising services to suppliers via its Internet
sites.

CompleteHome is the owner and operator of an Internet-based real estate
portal, known as CompleteHome.com and is engaged, inter alia, in the business
of providing online advertising and certain other promotional activities
associated with residential real estate and real estate-related services.

CompleteHome is interested in having ImproveNet provide certain contractor
matching, informational, promotional and advertising services for the
CompleteHome Site (as defined below), and ImproveNet is willing to provide
such services for CompleteHome, all in accordance with the terms and
conditions set forth below.

In consideration of the mutual promises set forth below and other good and
valuable consideration, the value and sufficiency of which are hereby
acknowledged, the parties hereby agree as follows:

1.       DEFINITIONS

         1.1 "ADVERTISING RECURRING FEES" shall mean [...***...] of the
Advertising Shared Revenue.

         1.2 "ADVERTISING SHARED REVENUE" shall mean the aggregate of all
advertising, sponsorship or promotional activity revenue generated from
activity on the Co-Branded Site.

         1.3 "AGGREGATE RECURRING FEES" shall mean, collectively, the General
Recurring Fees and the Advertising Recurring Fees.

* CONFIDENTIAL TREATMENT REQUESTED

                                                                   CONFIDENTIAL

                                         1

<PAGE>

         1.4 "AGGREGATE SHARED REVENUE" shall mean the aggregate of all
General Shared Revenue and all Advertising Shared Revenue from the Effective
Date through the date of calculation,

         1.5 "ANNUAL MINIMUM GENERAL FEE" shall mean a minimum per annum
General Recurring Fee of $[...***...] for the first Contract Year,
$[...***...] for the second Contract Year, and $[...***...] for the third
Contract Year and any partial Contract Year thereafter during the Term.

         1.6 "AVAILABILITY DATE" shall mean the first date on which the
CompleteHome Site contains a hyperlink to the Co-Branded Site as contemplated
by this Agreement.

         1.7 "BRANDS" shall mean, collectively, Century 21 Real Estate
Corporation, Coldwell Banker Real Estate Corporation and ERA Franchise
Systems, Inc., the franchisors, respectively, of the CENTURY 21-Registered
Trademark-, COLDWELL BANKER-Registered Trademark- and ERA-Registered
Trademark- real estate brokerage franchise systems.

         1.8 "BUSINESS DAY" shall mean every day other than Saturdays,
Sundays and legal holidays in the State of California.

         1.9 "CLAIMS" shall mean claims, demands, costs, liabilities, losses,
expenses and damages (including without limitation reasonable attorneys' fees)

         1.10 "CO-BRANDED SITE" shall mean, collectively, the Limited
Co-Branded Site and the Full Co-Branded Site.

         1.11 "COMPLETEHOME SITE" shall mean the Internet portal operated and
maintained by or on behalf of CompleteHome through which various real estate
related products and/or services are offered to the public, currently located
on the Interact at http://www.completehome.com (including any portions,
future versions, upgrades, successors and replacements thereof, including any
and all other means of electronic delivery now or hereafter known).

         1.12 "COMPLETEHOME USERS" shall mean users of the Co-Branded Site,
the ImproveNet Site or services provided by ImproveNet, who by virtue of
having come to the Co-Branded Site or the ImproveNet Site through links with
the CompleteHome Site or Related Sites are tracked by Cookies established by
ImproveNet in accordance with its obligations under Section 2.2(c) hereof. A
user of the ImproveNet Site shall be deemed to be a CompletaHome User if the
user's computer contains a Cookie identifying it as a CompleteHome User and
there is no more recently dated Cookie identifying such User to a different
party with whom ImproveNet then has a contractual obligation to track users
coming to the ImproveNet Site from such other party's Web site(s). In
addition, if a user with a Cookie identifying it as a CompleteHome User
clicks through to the ImproveNet Site through banner advertising or other
links appearing on any Web site other than the CompleteHome Site or the
Related Sites, business transacted on that visit will not be

* CONFIDENTIAL TREATMENT REQUESTED

                                                                   CONFIDENTIAL

                                    2.

<PAGE>

counted as activity of the CompleteHome User for purposes of calculating
General Shared Revenue, but any future access by such user to the ImproveNet
Site not coming through a connection from such other Web sites shall be
counted as activity of the CompleteHome User for such revenue sharing
calculations. Notwithstanding the foregoing, all visits by users to the
Co-Branded Site and all business transacted by such users on the Co-Branded
Site shall count as activity of CompleteHome Users.

         1.13 "CONFIDENTIAL INFORMATION" shall mean confidential or
proprietary reformation of a party to which the other party is providing
access which has been so marked or so identified by the disclosing party at
the tune of disclosure, subject to the limitations set forth in Section 7.2
hereof.

         1.14 "COOKIE" shall mean the mechanism through which information
regarding a user of a particular Web site is gathered, which shall include
the current technology of putting an electronic label on the computer of such
user as well as future technologies reasonably available during the Term to
the extent such technologies will improve the ability of ImproveNet to meet
the Tracking Requirements.

         1.15 "CONTRACT YEAR" shall mean a period consisting of twelve
consecutive full calendar months, provided, however, that the first Contract
Year shall mean that period commencing on the Availability Date and ending on
the data which is the end of the twelfth full calendar month succeeding the
Availability Date and the last Contract Year shall consist of any partial
year remaining in the term of this Agreement after the expiration of the
preceding Contract Year.

         1.16 "CUSTOMER INFORMATION" shall mean the information regarding
CompleteHome Users collected by ImproveNet as part of the process of such
CompleteHome Users' accessing and navigating the Co-Branded Site or the
ImproveNet Site and utilizing the services provided thereby, and shall
include the additional information required in accordance with Section
2.2(c)(2) hereof.

         1.17 "DEVELOPMENT OBLIGATION" shall mean the obligation of
ImproveNet to develop the Full Co-Branded Site in accordance with the
Specification and the Tracking Requirements (subject to the limitations set
forth in Section 2.2(c) hereof) and to put such site into operation.

         1.18 "FIRST DELIVERY PERIOD" shall mean a period of fifty six (56)
days after the delivery of the Specification without counting in such period
any elapsed time attributable to CompleteHome's review periods or any delay
caused by changes to the Specification required by CompleteHome after the
initial delivery of the Specification or other delay caused by CompleteHome.

         1.19 "FULL CO-BRANDED SITE" shall mean a version of the ImproveNet
Site operated on the ImproveNet servers which is developed in accordance with
the Specification and which shall have its own URL.

* CONFIDENTIAL TREATMENT REQUESTED

                                                                   CONFIDENTIAL

                                    3.

<PAGE>

         1.20 "GENERAL RECURRING FEES" shall mean [...***...] of the Shared
General Revenue until such time as the Aggregate Shared Revenue exceeds
$[...***...], and [...***...] of the General Shared Revenue thereafter,
subject to adjustment in accordance with Section 4.1 (c)(2).

         1.21 "GENERAL SHARED REVENUE" shall mean all gross collected
revenues generated by ImproveNet from all of the following sources, through
CompleteHome Users:

                  (1) Contractor Lead Fees (currently $10/lead accepted by
                  contractors)
                  (2) Completed Job Revenue
                  (3) Product Showcase & Design Gallery Integration
                  (4) Brochure Showcases
                  (5) SmartLeads Emails
                  (6) Category Message Boards
                  (7) Contractor sign-up fees
                  (8) Advertising, sponsorship or promotional
                  activity revenue realized by ImproveNet for activity on
                  IanproveNet sites other than the Co-Branded Site from
                  advertising sold by CompleteHome.

         1.22 "IMAGE" shall mean a mock-up image of the Limited Co-Branded
Site prepared by CompleteHome.

         1.23 "IMPROVENET SITE" shall mean the Web site operated by or for
ImproveNet, currently located on the Interact at http://www.improvenet.com,
as modified from time to time to comply with the provisions of this
Agreement, and future versions, upgrades, successors and replacements thereof.

         1.24     "LATE DELIVERY FEE" shall mean an amount equal to
$[...***...].

         1.25 "LEGAL LANGUAGE" shall mean disclaimers, privacy policies or
other legal concerns addressed in designated sections of the Co-Branded Site.

         1.26 "LIMITED CO-BRANDED SITE" shall mean a version of the
ImproveNet Site operated on the ImproveNet servers with the CompleteHome logo
and branding at the top of every page and a CompleteHome logo hyperlink
consistent with the Image.

         1.27 "RELATED SITES" shall mean Web sites operated by or for
CompleteHome (including any portions, future versions, upgrades, successors
and replacements thereof including any and all means of electronic delivery
now or hereafter known) by third party licensees under CompleteHome or third
party trademarks or branding and shall include the Web sites of the CENTURY
21-Registered Trademark-, COLDWELL BANKER-Registered Trademark- and
ERA-Registered Trademark- real estate brokerage franchise systems.

         1.28 "SECOND DELIVERY DATE" shall mean the date which is
twenty-eight (28) days after the expiration of the First Delivery Period.

* CONFIDENTIAL TREATMENT REQUESTED

                                                                   CONFIDENTIAL

                                        4.

<PAGE>

         1.29 "SPECIFICATION" shall mean a specification of the requirements
of CompleteHome with respect to the Full Co-Branded Site, which shall include
the graphical elements constituting the navigation bars, the links from the
navigation bars or other areas of the Full Co-Branded Site to specified areas
of the CompleteHome Site and the information required to link to such areas
of the CompleteHome Site.

         1.30 "TERM" shall have the meaning ascribed to such term in Section
8.1 hereof.

         1.31     "TRACKING REQUIREMENTS" shall mean:

                         (1) the number of CompleteHome Users clicked through
to any areas of the Co-Branded Site (i.e., pageview counts for each portion
of the Co-Branded Site)

                         (2) the Customer Information collected by ImproveNet
with respect to each CompleteHome User

                         (3) where relevant, the broker/agent of the Brands
who is entitled to lead generation credit for each CompleteHome User

                         (4) a detailed list of the types of projects
requested by each CompleteHome User requesting a project

                         (5) the pricing for such projects

                         (6) a list of the advertisers sold SmartLeads that
have appeared to CompleteHome Users

                         (7) in each such case, the revenue generated to
ImproveNet from CompleteHome Users

                         (8) tracking information for banner and other
advertising impressions and other measurements of advertising revenue
generated by advertisements, sponsorships and promotional opportunities
appearing to or otherwise communicated to CompleteHome Users visiting the
Co-Branded Site

                         (9) tracking information for banner and other
advertising impressions and other measurements of advertising revenue
generated by advertisements, sponsorships and promotional opportunities sold
by CompleteHome on the ImproveNet Site and

                         (10) aggregate collected advertising revenues
generated (a) from the Co-Branded Site or (b) from advertising, sponsorships
or other promotional opportunities sold by CompleteHome on the ImproveNet
sites.

         1.32 CONSTRUCTION OF CERTAIN TERMS. Any references made in this
Agreement to named areas or design features of a Web site shall include such
named area or design feature as it exists or is contemplated as of the
Effective Date and any modification or substitution therefor in future
designs of such Web site.

                                                          CONFIDENTIAL

                                       5.

<PAGE>

2.       RIGHTS AND OBLIGATIONS OF THE PARTIES

         2.1      COMPLETEHOME RIGHTS AND OBLIGATIONS.

                  (a) CompleteHome shall use commercially reasonable good
faith efforts to develop and operate the CompleteHome Site and maintain
uptime consistent with industry standards,

                  (b) CompleteHome shall place links to the Co-Branded Site and
other advertising of the Co-Branded Site and ImproveNet's services on the
CompleteHome Site as described on Exhibit A attached hereto and made a part
hereof.

                  (c) CompleteHome will take reasonable steps, determined in
its own discretion, to encourage traffic to the Co-Branded Site, which steps
may include one or more of the following: (1) including coupons on the
Welcome Wagon Web site and causing its affiliate that operates the Welcome
Wagon business to include coupons for the Co-Branded Site in its offline
coupon offerings and including links from other Web sites that are part of or
linked to the CompleteHome Site; (2) developing and distributing promotional
marketing pieces, produced by CompleteHome and shipped (at the expense of
CompleteHome) to participating Brand franchisees nationwide; these marketing
pieces will promote the home improvement areas of the CompleteHome site, and
will include a space for the broker identification reformation required for
the Tracking System described in Section 2.2 (c) hereof; (3) as determined by
CompleteHome and the Brands, in their sole discretion, inclusion in recurring
mailings, newsletters, e-mails and other communications to the brokers/agents
of the Brands and speeches at the Brand national conventions, of promotional
information about the benefits of sending homeowners to the CompleteHome home
improvement area and (4) training its marketing sales force to speak to the
benefits of the ImproveNet services for new homeowners and for sellers of
homes needing sale-related repairs or replacements.

         2.2      IMPROVENET RIGHTS AND OBLIGATIONS.

                  (a) ImproveNet shall use commercially reasonable good faith
efforts to develop and operate the ImproveNet Site and the Co-Branded Site
and maintain uptime for each such site consistent with industry standards.

                  (b) (1) Not later than ten (10) Business Days after the
date on which CompleteHome delivers the Image to ImproveNet (which is
expected to be on or before December 17, 1999), ImproveNet shall establish
the Limited Co-Branded Site, to which CompleteHome will establish one or more
links from the CompleteHome Site. The Limited Co-Branded Site shall be
maintained by ImproveNet until such time as the Full Co-Branded Site is fully
operational.

                  (2) ImproveNet shall develop and maintain the Full
Co-Branded Site in accordance with file following: not later than twenty
eight (28) days after CompleteHome delivers the Specification to ImproveNet,
ImproveNet shall develop and

                                                                   CONFIDENTIAL

                                      6.

<PAGE>

provide to CompleteHome a mock-up of the Full Co-Branded Site sufficient for
CompleteHome to evaluate its conformity to the Specification. CompleteHome
shall promptly review such mock-up and provide ImproveNet with a notice
either indicating approval to proceed with development or specifying m detail
the ways in which the mock-up fails to meet the Specification. Not later than
twenty eight (28) days after CompleteHome delivers such notice ImproveNet
shall deliver the final operational Full Co-Branded Site for CompleteHome's
approval. CompleteHome shall promptly test and review such site for
conformity to the Specification and shall provide a notice to ImproveNet
either approving the Full Co-Branded Site or specifying in detail the ways in
which such site fails to meet the Specification. ImproveNet acknowledges that
the Specification will require, inter alia, that CompleteHome logos and
navigation must, at a minimum, be located at the top of each page on the
Co-Branded Site. CompleteHome Users navigating from the CompleteHome Site
shall only be transferred to the Co-Branded Site and not to any other Web
site.

                  (3) To the extent either party considers that Legal
Language shall be included in or displayed on the Co-Branded Site, if the
parties cannot agree on such Legal Language, the version proposed which is
the most stringent or restrictive on the parties or the most detailed in
specifying the circumstances addressed in such Legal Language shall be used
on the Co-Branded Site.

                  (c) (1) ImproveNet will, at its expense, as part of the
development of the Co-Branded Site, use its best efforts to develop and
include in the Co-Branded Site tracking mechanisms to identify CompleteHome
Users and be able to track their usage of the services promoted by the
Co-Branded Site and otherwise collect information in accordance with the
Tracking Requirements.

                         (2) In the event CompleteHome reasonably requires
information about CompleteHome Users additional to ImproveNet's standard
Customer Information and CompleteHome provides a specification of its
requirement for such information, ImproveNet shall use commercially
reasonable efforts to add a mechanism to collect such information in the Full
Co-Branded Site.

                         (3) Notwithstanding the foregoing, to the extent
ImproveNet is unable to track some or all of the information set forth above
as a result of a CompleteHome User's deletion or deactivation of the Cookie
or due to changes in available technology that prevent such tracking (such as
a new privacy feature of a browser software), ImproveNet shall work with
CompleteHome to find a reasonable alternative to track or estimate the
required information, ImproveNet shall not be in default of its obligations
hereunder; provided, however, that if such impediments to the tracking of the
information set forth above significantly impair the value of this Agreement
to CompleteHome and an acceptable alternative is not developed, in its sole
discretion, CompleteHome shall have the right to terminate this Agreement
upon thirty (30) days prior written notice to ImproveNet. Notwithstanding any
such impediments, ImproveNet shall make all commercially reasonable efforts
to maximize its compliance with the requirements set forth above.

                                                           CONFIDENTIAL

                                      7.

<PAGE>

         2.3 MARKETING PLAN. CompleteHome and ImproveNet shall cooperate in
the development of a marketing plan for the sale of advertising, sponsorship
and promotional opportunities on the Co-Branded Site in accordance, with the
parameters and principles set forth on Exhibit B attached hereto and made a
part hereof. Such plan shall be revised from time to time during the Term by
agreement of the parties.

         2.4 EXCLUSIVITY. ImproveNet hereby agrees that during the Term it
will not promote [...***...], [...***...] Web site or services through the
ImproveNet Site or the Co-Branded Site. Such prohibition shall include, but
not be limited to, that no advertising of [...***...], [...***...] Web sites
or services shall appear on the ImproveNet Site or the Co-Branded Site.
Notwithstanding the foregoing, ImproveNet will not be deemed to be in
violation of this provision by honoring its agreement with [...***...] in
existence as of the Effective Date, provided that, ImproveNet shall not renew
or extend the term of such agreement, which ImproveNet represents expires in
or before [...***...], and provided further, that ImproveNet shall not permit
any banner advertisement or link from the ImproveNet Site to [...***...] to
reference [...***...] or any of [...***...] affiliates in any way. In
addition, to the extent [...***...] acquires any entity with which
Improve.Net has a contract at the time of such acquisition, without violating
this provision ImproveNet may continue to honor such existing contract
provided that ImproveNet shall not renew or extend the term of such agreement
and provided further, that ImproveNet shall not permit any banner
advertisement or link from the ImproveNet Site to such entity to reference
[...***...] or any of [...***...] affiliates in any way, except to the extent
failing to permit such reference would constitute a material breach of such
agreement.

         2.5 COLLECTIONS. ImproveNet shall be responsible for the collection
of all Aggregate Shared Revenue subject to its normal and customary
collection procedures and policies for all sites operated by ImproveNet.

3.       MARKETING

         3.1 USE OF NAME OR MARKS. Each party hereby grants to the other a
limited, royalty-free, non-exclusive license during the term of this
Agreement to use, reproduce and publish, the name and logos of the other
party but only in the manner contemplated by and subject to the restrictions
contained in this Agreement, including, but not limited to the provisions of
Section 10.9 hereof, ImproveNet must use the CompleteHome names and logos in
accordance with the logo guidelines provided by CompleteHome from time to
time. CompleteHome must use the ImproveNet names and logos in accordance with
the logo guidelines provided by ImproveNet from time to time. CompleteHome
and ImproveNet acknowledge that nothing contained herein shall give either
party any interest in any logo, trade name, trademark or service mark owned by
the other party, and that such license will automatically terminate upon the
termination of this Agreement.

* CONFIDENTIAL TREATMENT REQUESTED

                                                                   CONFIDENTIAL

                                        8.

<PAGE>

         3.2 PRESS RELEASES. Neither party shall issue any press release
relating to the relationship contemplated by this Agreement without giving
the other party a minimum of three business days to review and approve such
release. No press release or other public announcement with respect to this
Agreement may be made by either party without the approval of the other party
except to the extent such public announcement may be required by law.
Notwithstanding the foregoing, ImproveNet shall not issue any press release
prior to the Availability Date.

4.       PAYMENTS

         4.1      AGGREGATE RECURRING FEES.

                  (a) PAYMENT OBLIGATION. ImproveNet shall calculate and pay
the Aggregate Recurring Fees to CompleteHome on a monthly basis, on or before
the fifteenth (15th) day after the end of each calendar month as provided for
herein. In any month in which (A) the cumulative monthly payments of General
Recurring Fees for the preceding calendar months in the then current Contract
Year, together with the payment of General Recurring Fees due for such month
is an amount less than CB) the applicable Annual Minimum General Fee, the
amount to be paid to CompleteHome m respect of General Recurring Fees for
such calendar month shall be equal to one twelfth (1/12) of the Annual
Minimum Fee; and (2) in any month in which the amount in clause (A) equals or
exceeds the amount in clause (B), the amount to be paid to CompleteHome in
respect of General Recurring Fees for such calendar month shall be equal to
lesser of the excess of the amount in clause (A) over the Annual Minimum
General Fee or the General Recurring Fee for such month. Each payment of
General Recurring Fees shall be accompanied by a payment of the amount of
Advertising Recurring Fees accrued in such calendar month.

                  (b) Together with each monthly Aggregate Recurring Fee
payment, ImproveNet shall provide a monthly report to CompleteHome in such
electronic format as the parties agree, setting forth the information for
such calendar month gathered in accordance with the Tracking Requirement and
the calculation of the Aggregate Recurring Fees payable for such calendar
month.

                  (c) LATE DELIVERY. (1) In the event that ImproveNet fails
to satisfy the Development Obligation within the First Delivery Period, the
General Recurring Fees attributable to such period shall be equal to any
General Recurring Fees documented to have accrued during such period plus the
Late Delivery Fee.

                         (2) In the event the Development Obligation is not
satisfied by ImproveNet on or prior to the Second Delivery Date, (A) the
General Recurring Fee shall from that date and thereafter be calculated at
[...***...] of General Shared Revenues, regardless of whether the
$[...***...] threshold has been achieved, (B) ImproveNet shall use best
efforts :to deliver the Development Obligation as soon as possible and (C)
ImproveNet shall calculate and pay the General Recurring Fees from the
beginning of the

* CONFIDENTIAL TREATMENT REQUESTED

                                                                   CONFIDENTIAL

                                      9.

<PAGE>

Term until such time as the Development Obligation is satisfied on the basis
of all estimate of the General Shared Revenues that would have been generated
had the Full Co-Branded Site been delivered as of the end of the First
Delivery Period, plus the Late Delivery Fee. The methodology of estimating
the General Recurring Fees accrued during such period shall be acceptable to
CompleteHome in its sole discretion.

         4.2 PREPAYMENT. ImproveNet agrees that, upon execution of this
Agreement, it shall pay to CompleteHome $[...***...], representing an advance
payment of the Annual Minimum General Fee, which payment shall be credited to
the first $[...***...] due under this Agreement for the first Contract Year
and the first $[...***...] due for the second Contract Year. Such payment
will be made by ImproveNet delivering to CompleteHome or to such affiliate of
CompleteHome as CompleteHome may direct, [...***...]. In no event shall any
payment or prepayment of Annual Minimum General Fees apply to the payment of
General Recurring Fees in excess of the Annual Minimum General Fees nor to
the payment of Advertising Recurring Fees.

         4.3 All payments to CompleteHome shall be sent to the following
address, which address may be revised by CompleteHome from time to time:

                  CompleteHome
                  200 Vallejo Street
                  San Francisco, CA 94111
                  Attention: Accounts Receivable Dept.

         4.4 ImproveNet shall keep accurate and complete records of all
Aggregate Shared Revenues. All such records and all accounting systems with
respect thereto shall be available for inspection, copy and audit by
CompleteHome or its representatives on reasonable notice to ImproveNet during
normal business hours throughout the Term and for one (1) year thereafter,
which audit may be conducted not more frequently than once m any six (6)
month period, unless there has been a previous underpayment of more than 5%
as contemplated below. ImproveNet shall fully cooperate with CompleteHome in
such inspection and audit. Neither CompleteHome's acceptance of any
information nor CompleteHome's inspection or audit of ImproveNet's records
shall waive CompleteHome's right later to dispute the accuracy or
completeness of any information supplied by ImproveNet. In the event any such
audit establishes an underpayment of commissions, ImproveNet shall pay the
amount of the deficit within five (5) business days of notification of such
deficiency. In the event such audit identifies an overpayment of commissions,
such overpayment shall be a credit against future commissions to become due
from ImproveNet to CompleteHome. If an audit establishes an underpayment of
commissions greater than five percent (5%) of the total commissions then due
and payable to CompleteHome, ImproveNet shall pay for the costs and expenses
of such audit. In the event of a dispute over the result of any such audit,
the amount so

*     CONFIDENTIAL TREATMENT REQUESTED
                                                                   CONFIDENTIAL

                                    10.

<PAGE>

disputed shall be deposited by the party to be charged with an
escrow agent acceptable to both parties and pursuant to an escrow agreement
acceptable to both parties and such escrow agent shall retain the disputed
amount until such time as the dispute is resolved; provided, however, that
party to be charged may provide the other party with security satisfactory to
it that such payment will be made if such dispute is resolved in the party to
be paid's favor in lieu of establishing such escrow. Each party in such a
dispute shall bear its own costs.

5.       REPRESENTATIONS AND WARRANTIES; LIMITATION OF LIABILITY

Each party hereby represents and warrants as follows: (i) it has full
corporate power and authority to enter into this Agreement and to carry out
the provisions hereof, (ii) it is duly authorized to execute and deliver this
Agreement and to perform its obligations hereunder, (iii) tins Agreement is a
legal and valid obligation binding upon it and enforceable according to its
terms, (iv) the execution, delivery and performance of this Agreement by it
does not conflict with any agreement to which it is a party or by which it
may be bound, and (v) its Web site(s) contemplated by this Agreement (the
CompleteHome Site in the case of CompleteHome, and the Co-Branded Site and
the ImproveNet Site in the case of ImproveNet), and the services provided
pursuant thereto, shall be of a high nature, grade and quality and shall
comply with all applicable laws and regulations throughout the term of this
Agreement.

EXCEPT AS SET FORTH ABOVE, NEITHER PARTY MAKES ANY WARRANTIES OF ANY KIND,
EITHER EXPRESS OR IMPLIED, AS TO ANY MATTER INCLUDING, BUT NOT LIMITED TO, A
WARRANTY OF FITNESS FOR PURPOSE OR OF MERCHANTIBILITY.

OTHER THAN WITH RESPECT TO AN INDEMNIFIED CLAIM UNDER THIS AGREEMENT, NEITHER
PARTY WILL BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL
DAMAGES (INCLUDING BUT NOT LIMITED TO SUCH DAMAGES ARISING FROM BREACH OF
CONTRACT OR WARRANTY OR FROM NEGLIGENCE OR STRICT LIABILITY), EVEN IF SUCH
PARTY HAS BEEN ADVISED OF (OR KNOWS OR SHOULD KNOW OF) THE POSSIBILITY OF
SUCH DAMAGES. IN NO EVENT SHALL EITHER PARTY BE LIABLE TO THE OTHER PARTY IN
AN AMOUNT GREATER THAN THE AMOUNTS DUE FROM SUCH PARTY TO THE OTHER PARTY
UNDER THIS AGREEMENT DURING THE TERM OF THE AGREEMENT. THIS LIMITATION OF
EACH PARTY'S LIABILITY IS CUMULATIVE, WITH ALL PAYMENTS FOR CLAIMS OR DAMAGES
IN CONNECTION WITH THE AGREEMENT BEING AGGREGATED TO DETERMINE SATISFACTION
OF THE LIMIT. THE EXISTENCE OF ONE OR MORE CLAIMS WILL NOT ENLARGE THE LIMIT.

6.       INDEMNIFICATION

         6.1 INDEMNIFICATION BY COMPLETEHOME. CompleteHome agrees to
indemnify, pay the defense costs of, and hold ImproveNet, and its successors,
officers, directors and

                                                                   CONFIDENTIAL

                                    11.

<PAGE>

employees harmless from any and all Claims arising out of or in connection
with (a) the CompleteHome Site, (b) any claim which, taking the claimant's
allegations to be true. would result in a breach by CompleteHome of any of
its warranties, covenants or other obligations set forth m this Agreement;
and (c) any claim arising from the gross negligence or willful misconduct of
CompleteHome.

         6.2 INDEMNIFICATION BY IMPROVENET. ImproveNet agrees to indemnify,
pay the defense costs or, and hold CompleteHome, and its successors,
officers, directors and employees harmless from any and all Claims, arising
out of or in connection with (a) the ImproveNet Site and the Co-Branded Site;
(b)any claim which, taking the claimant's allegations to be true, would
result in a breach by ImproveNet of any of ImproveNet's warranties, covenants
or other obligations set forth in this Agreement; and (c) any claim arising
from the negligence or willful misconduct of ImproveNet. Without limiting the
generality of the foregoing, such indemnity shall apply to any Claims made in
connection with or as a result of any action or failure to act by a
contractor or other vendor promoted through the Co-Branded Site.

         6.3 PROCEDURE. In the event of an indemnified claim hereunder, the
indemnified party shall give the indemnifying party prompt nonce in writing
of the claim and the indemnifying party shall have sole control over its
defense or settlement, except that the indemnifying party shall not settle or
compromise any such matter without obtaining the indemnified party's written
consent, which shall not be unreasonably withheld. The indemnified party
shall have the right at its own cost and expense to employ separate counsel
and participate in the defense of any claim or action.

7.       CONFIDENTIALITY

         7.1 OBLIGATIONS. Each party acknowledges that the other party will
receive or have access to Confidential Information of such party. Each party
will use at least the same degree of care to prevent disclosing to third
parties the Confidential Information of the other as it employs to avoid
unauthorized disclosure, publication or dissemination of its own information
of a similar nature, but in no event less than a reasonable standard of care.
A party may disclose Confidential Information of the other party to third
parties performing services hereunder where (i) the use of such Confidential
Information by such third party is authorized under this Agreement, (ii) such
disclosure is reasonably necessary to or otherwise naturally occurs in that
entity's scope of responsibility, and (iii) the disclosure is in accordance
with the terms and conditions of this Agreement Neither party will (1) make
any use or copies of the Confidential information of the other party except
as necessary to perform its obligations under this Agreement, (2) acquire any
right in or assert any lien against the Confidential Information of the other
party, or (3) refuse for any reason (including a default or material breach
of this Agreement by the other party) to promptly provide the other party's
Confidential Information (including all copies thereof) to it if requested in
writing to do so. Upon the expiration or termination for any reason of this
Agreement and the concomitant completion of a party's obligations under this
Agreement, each party shall (except as otherwise provided in this Agreement),
return or destroy, as the other party may direct, all documentation in any
medium that

                                                                   CONFIDENTIAL

                                    12.

<PAGE>

contains, refers to, or relates to the other party's Confidential
Information, and retain no copies, in addition, the parties shall take
reasonable steps to ensure that their respective employees comply with these
confidentiality provisions. The steps taken by a party to ensure such
compliance will be deemed reasonable if they are no less onerous than the
steps taken by the other party.

         7.2 The obligations of this Article 7 will not apply to any
particular information which the receiving party can demonstrate: (i) was, at
the time of disclosure to it, in the public domain; (ii) after disclosure to
it, is published or otherwise becomes part of the public domain through no
fault of the receiving party; (iii) was rightfully in the possession of the
receiving party at the time of disclosure to it; (iv) is received from a
third party who had a lawful right to disclose such information to it; or (v)
was independently developed by the receiving party without reference to
Confidential Information of the furnishing party. In addition, a party shall
not be considered to have breached its obligations under this section for
disclosing Confidential Information of the other party as required to satisfy
any legal demand of a government, judicial or administrative body; provided,
however, that, promptly upon receiving any such request and to the extent
that it may legally do so, such party advises the other party so that the
other party may take appropriate actions in response to the demand.

         7.3 In the event of any disclosure or loss of, or inability to
account for, any Confidential Information of the furnishing party, the
receiving party! will notify the furnishing party promptly upon the
occurrence of any such event.

         7.4 Nothing contained m this Agreement shall be construed as
obligating a party to disclose its Confidential Information to the other
party, or as granting to or conferring on a party, expressly or impliedly,
any rights or license to the Confidential Information of the other party.

         7.5 Nothing in this Agreement shall be construed to prevent either
party from obtaining, developing or using services or products itself or
provided by a third party as permitted by this Agreement which are similar or
competitive with the services and/or products furnished under this Agreement
or from using ideas, concepts, expressions, skills or experience possessed by
either party prior to, or developed or learned by either party in the
performance of this Agreement, except to the extent inconsistent with the
terms of this Agreement.

8.       TERM AND TERMINATION

         8.1 TERM. The term of the Agreement (the "Term") shall commence on
the Effective Date and shall expire on the third anniversary of the
Availability Date, unless earlier terminated as provided herein.

         8.2 TERMINATION FOR CAUSE. In the event a party shall materially
fail to perform or comply with the terms of this Agreement, the other party
may ten-innate if such failure has not been remedied within 30 days of
written notice thereof to the

                                                                   CONFIDENTIAL

                                  13.

<PAGE>

defaulting party (or if such failure is not susceptible of cure within 30
days, if the defaulting party fails to commence to cure within 30 days after
notice of default or fails to diligently pursue such cure thereafter).

         8.3 SURVIVAL. Sections 5, 6, 7 and 9 shall survive any expiration or
termination of this Agreement.

9.       DISPUTE RESOLUTION

         9.1 INFORMAL DISPUTE RESOLUTION. Prior to commencing any litigation
or other formal dispute resolution, the parties shall attempt in good faith
to resolve any dispute arising out of or relating to this Agreement through
negotiation between representatives. Either party may give the other party
written notice of any dispute not resolved in the normal course of business.
Within fifteen (15) days after its receipt of the notice, the receiving party
shall submit to the other party a written response. The notice and response
shall each include (a) a statement of the party's position and a summary of
the arguments supporting that position, and (b) the name and title of the
company representatives who will represent that party. Within thirty (30)
days following delivery of the original dispute notice, the parties'
respective representatives shall meet at a mutually acceptable time and
place, and thereafter as often as they reasonably deem necessary to attempt
to resolve the dispute. All reasonable requests for information made by
either party to the other will be honored, provided that such information so
provided shall be deemed communications in furtherance of settlement
discussions and shall not be available to be used as evidence of admissions
or otherwise against the providing party. If a dispute has not been resolved
within sixty (60) days of the disputing party's original notice under this
section, or if the parties fail to meet within the thirty (30) days following
such notice, then either party may initiate litigation or other formal
dispute resolution proceedings.

         9.2 ARBITRATION. If a dispute is not resolved within sixty (60) days
after the commencement of such dispute pursuant to Section 9.1, then either
party shall, within five business days after the completion of the procedures
set forth in Section 9.1, upon notice to the other party, submit the dispute
to binding arbitration in accordance with tins Section 9.2

                  (a) The arbitration shall be held in San Francisco,
California before a panel of three arbitrators. Either party may, by notice
to the other party, demand arbitration by serving on the other party a
statement of the dispute, the facts relating or giving rise to such dispute
and the name of the arbitrator selected by it.

                  (b) Within five business days after receipt of such notice,
the other party shall name its arbitrator, and the two arbitrators named by
the Parties shall, within five business days after the date of such notice,
select the third arbitrator.

                                                                   CONFIDENTIAL

                                         14.

<PAGE>

                  (c) The arbitration shall be governed by the Commercial
Arbitration Rules of the American Arbitration Association, as may be amended
from time to time, except as expressly provided in this Section 9.2;
provided, however, that the arbitration shall be administered by any
organization agreed upon by the Parties. The arbitrators may not amend or
disregard any provision of this Section 9.2.

                  (d) The arbitrators shall allow such discovery as is
appropriate to the purposes of arbitration in accomplishing fair, speedy and
cost-effective resolution of disputes. The arbitrators shall reference the
rules of evidence of the Federal Rules of Civil Procedure then in effect in
setting the scope and direction of such discovery.

                  (e) The decision of and award rendered by the arbitrators
shall be final and binding on the parties. Judgment on the award of the
arbitrators may be entered in and enforced by any court of competent
jurisdiction. The arbitrators shall have no authority to award damages in
excess compensatory damages.

         Except for (a) an action to seek injunctive relief as contemplated
by Section 9.3 or (b) any action necessary to enforce the award of. the
arbitrators, the provisions of this Section 9.2 are a complete defense to any
suit, action or other proceeding instituted in any court or before any
administrative tribunal with respect to any dispute, controversy or claim
arising out of or related to tins Agreement or the creation, validity,
interpretation, breach or termination of tins Agreement.

         9.3 LITIGATION. The only circumstance in which a dispute between the
parties will not be subject to the provision of section 9.1 and 9.2 above, is
when a party makes a good faith determination that a breach of the terms of
this Agreement by the other party is such that the damages to such party
resulting from the breach will be so immediate, so large or severe, and so
incapable of adequate redress after the fact that a temporary restraining
order or other immediate injunctive relief is the only adequate remedy.
Except for such relief, the parties shall resolve their disputes, whether or
not such relief is granted, in accordance with the provisions set forth in
section 9.1 and 9.2.

         9.4 CONTINUED PERFORMANCE. Each party agrees to continue performing
its obligations under this Agreement when any dispute is being resolved under
this Article 9 unless and until such obligations are terminated by the
expiration or termination of this Agreement or by order of a court of
competent authority under Sections 9.2 or 9.3.

10.      GENERAL PROVISIONS

         10.1 BINDING NATURE AND ASSIGNMENT. This Agreement shall be binding
on each of the parties and its respective successors and permitted assigns.
Except as provided below, neither party may assign this Agreement or any
rights or obligations created herewith in whole or in part, directly or
indirectly, to any third party without the prior written consent of the
other, and any attempt to do so will be void and of no effect. Either party
may assign its rights and obligations under this Agreement with the prior
written approval of the other party to (i) a third party that acquires all or
substantially all

                                                                   CONFIDENTIAL

                                         15.

<PAGE>

of the assets or stock of the assigning party (any transfer of a controlling
interest in a party being deemed to be an assignment of this Agreement by
such party for purposes of this Section 101), (ii) any subsidiary or
Affiliate of the assigning party, or (iii) a successor in a merger or
acquisition of the assigning p. arty; provided, however that in no event
shall such assignment relieve the assigning party of any of its obligations
under this Agreement For the purposes of this Section 10.1, any assignment by
operation of law or under an order of any court shall be deemed an assignment
for which prior written consent is required, and any assignment made without
such consent shall be void and of no effect as between the parties.

         10.2 ENTIRE AGREEMENT; AMENDMENT. This Agreement constitutes the
entire agreement between the parties, and supersedes all other prior or
contemporaneous communications between the parties (whether written or oral),
with respect to the subject matter contained in this Agreement. No
modification or amendment of this Agreement will be effective unless made in
a writing executed by both parties.

         10.3 NOTICES: All notices required or permitted under this Agreement
(other than routine operational communications) shall be in writing and shall
be deemed received if sent by one of the following means: (i) upon receipt if
delivered by hand; (ii) one (1) day after being sent by an express courier
with a reliable system for tracking delivery; (iii) three (3) days after
being sent by certified or registered first class mail, postage prepaid and
return receipt requested; or (iv) upon confirmed facsimile transmission
provided that a copy is sent by another of the foregoing means. All notices
will be addressed by a party to the other as follows:

In the case of ImproveNet:

         ImproveNet, Inc.
         720 Bay Road, Suite 200
         Redwood City, CA 94063
         Attention: Ron Cooper, Chief Executive Officer

In the case of CompleteHome:

         CompleteHome
         200 Vallejo Street
         San Francisco, CA 94111

         Attention: Sarah Nolan, Chief Executive Officer

A party may change its address from time to time upon written notice to the
other party specifying the effective date of the new address.

                                                                   CONFIDENTIAL

                                         16.

<PAGE>

         10.4 HEADINGS. The section headings contained in this Agreement are
for reference and convenience only and shall not enter into the
interpretation of this Agreement.

         10.5 RELATIONSHIP OF THE PARTIES. Each party, in furnishing services
to the other party hereunder, is acting as an independent contractor and has
the sole tight and obligation to supervise, manage, contract, direct,
procure, perform or cause to be performed, all services to be performed by
such party trader this Agreement. Neither ImproveNet or CompleteHome is an
agent, partner, joint venturer or fiduciary of the other party and neither
has the authority to represent the other party as to any matters or to bind
the other party to any third parties, except as expressly authorized in this
Agreement.

         10.6 SEVERABILITY. In the event that any provision of this Agreement
is found to be unenforceable under applicable law, the parties agree to
replace such provision with a substitute provision that most nearly reflects
the original intentions of the parties and is enforceable under applicable
law, and the remainder of this Agreement shall continue in full force and
affect.

         10.7     WAIVER OF DEFAULT; CUMULATIVE REMEDIES.

                  (a) A delay or omission by either party hereto to exercise
any right or power under this Agreement shall not be construed to be a waiver
thereof. A waiver by either party under this Agreement will not be effective
unless it is in writing and signed by the party granting the waiver. A waiver
by a party of a right under, or breach of, this Agreement will not be
construed to operate as a waiver of any other or successive rights under, or
breaches of, this Agreement.

                  (b) Except as otherwise expressly provided in this
Agreement, all remedies provided for in this Agreement shall be cumulative
and m addition to and not in lieu of any other remedies available to either
party at law, in equity or otherwise. Notwithstanding the foregoing, no
payment default by one party may be offset by a payment due to such party by
the other party.

         10.8 THIRD PARTY BENEFICIARIES. This Agreement is entered into
solely between, and may be enforced only by, CompleteHome and ImproveNet.
This Agreement shall not be deemed to create any rights in any third parties,
including any suppliers and customers of a party, or to create any
obligations of a party to any third parties.

         10.9 PUBLICITY AND ADVERTISING. The parties agree that any notices
or disclosures to third parties concerning this Agreement or the Services:
shall be jointly coordinated and approved in advance by both parties. In
addition, neither party shall use the corporate name or any brand or
proprietary name, mark or logo of the other party for any advertising or
promotional purpose without first submitting such advertising or promotional
materials to the other party and obtaining the prior written consent of such
party.

                                                                   CONFIDENTIAL

                                         17.

<PAGE>

         10.10 FORCE MAJEURE. No party shall be liable for any default or
delay in the performance of its obligation under this Agreement due to an act
of God or other event to the extent that: (i) the non-performing party is
without fault in causing such default or delay;, (ii) such default or delay
could not have been prevented by reasonable precautions; and (iii) such
default or delay cannot reasonably be circumvented by the non-performing
party through the use of alternate sources, work around plans or other means.

         10.11 CHOICE OF LAW. This Agreement, and the rights and duties of
the parties arising from or relating to this Agreement or its subject matter,
shall be construed in accordance with the laws of the State of California,
without regard to its conflicts of laws provisions.

         10.12 COUNTERPARTS. This Agreement may be executed in counterparts,
of which shall be deemed to be an original and all of which together shall be
deemed to be one and the same instrument.

         10.13 JOINTLY DRAFTED. This Agreement represent the joint drafting
of the parties and shall not be construed more strictly against one party
than the other.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed as of the dates indicated below.

COMPLETEHOME OPERATIONS, INC.        IMPROVENET, INC.

/s/ James E. Buchanan                /s/ Ronald B. Cooper
--------------------------------     --------------------------------
By (sign)                            By (sign)

James E. Buchanan                    Ronald B. Cooper
--------------------------------     --------------------------------
Name (Print)                         Name (Print)

Executive Vice President             President and CEO
--------------------------------     --------------------------------
Title                                Title

December 13, 1999                    December 13, 1999
--------------------------------     --------------------------------
Date                                 Date

                                                                   CONFIDENTIAL

                                   18.

<PAGE>

                                    EXHIBIT A

                   LINKS AND ADVERTISING ON COMPLETEHOME SITE

1. CompleteHome will place "contractor referral/Plan a Project" or similar
links at the following locations on the CompleteHome Site and at such other
locations as may be agreed by the parties from time to time during the Term:

         (a)      On the CompleteHome Site home page, on the main "Living"
                  navigation bar

         (b)      In the CompleteHome Site "Home Improvement" Section

         (c)      In the CompleteHome "Selling" section

2. CompleteHome will run promotional banners, in its discretion, on the
CompleteHome Site and on the Brand Web sites promoting the Co-Branded Site; m
particular, CompleteHome will include the Co-Branded Site in banners and
e-mail reminders on and generated by the Move Calendar.

                                                                   CONFIDENTIAL

                                    19

<PAGE>

                                    EXHIBIT B

                         ADVERTISING ON CO-BRANDED SITE

Within thirty (30) days after the Effective Date, the parties will develop a
comprehensive marketing plan (the "Marketing Plan") for the sale of
advertising, sponsorship and promotional opportunities ("Advertising Units")
on the Co-Branded Site as well as combinations of Advertising Units with
other similar opportunities on the ImproveNet or CompleteHome sites. Such
plan shall address, among other things, the following:

         1. The parties will accumulate data during the first thirty (30)
days after the Availability Date of operation of the Co-Branded Site on the
number of projected impressions available for sale as Advertising Units, and
reflect such projections in the Marketing Plan. The parties shall also agree
upon a minimum number of impressions per month, below which neither party
shall have the obligation to sell Advertising Units. The parties shall also
agree on the placement of the Advertising Units on the Co-Branded Site.

         2. The parties shall agree on a rate card for the sale of
Advertising Units, which shall address, to the extent such can be
anticipated, rates for advertising packages including Advertising Units and
other advertising opportunities on the CompleteHome, Related and/or
ImproveNet sites. Notwithstanding the foregoing, the appearance of or links
to such services of the ImproveNet Site as Product Showcase, Design Gallery,
Brochure Showcases, SmartLeads Emails and Category Message Boards on the
Co-Branded Site shall be determined by CompleteHome in its sole discretion.
Neither party shall present discounted or bundled rates off the rate card
rates without the other party's prior approval.

         3. For the first sixty (60) days after the determination of the
projected impressions as set forth in paragraph 1 above (the "First Selling
Period"), CompleteHome shall have the exclusive right to sell Advertising
Units on the Co-Branded Site. Thereafter, if CompleteHome sells at least
[...***...] of the Advertising Units provided in the Marketing Plan to be
sold in the three month period next succeeding .the First Selling Period,
CompleteHome will continue to have the exclusive right to sell such
Advertising Units, subject to any specific reservations agreed to in the
Marketing Plan, and if CompleteHome has not sold at least [...***...] of the
Advertising Units provided in the Marketing Plan to be sold during the First
Selling Period, CompleteHome and ImproveNet shall then agree on how to divide
the responsibility to sell Advertising Units in the future.

         4. Regardless of which party is selling Advertising Units,
CompleteHome shall have the right to approve each advertiser prior to its
appearance on the Co-Branded Site. Further, in the event ImproveNet sells
Advertising Units on the Co-Branded Site bundled with other ImproveNet sites,
ImproveNet may not commit to specific numbers or percentages of impressions
or other Advertising Units on the Co-Branded Site, nor market that some
allocation of such Advertising Units will be on the Co-Branded Site as
opposed to other ImproveNet sites included in such bundle.

* CONFIDENTIAL TREATMENT REQUESTED

                                                                   CONFIDENTIAL

                                      20

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