Document:

EXHIBIT 10.1.4

                            www.avert.com www.adp.com

                         Consumer Report User Agreement

          YOUR AVERT CUSTOMER NUMBER IS: _____________________________

__Avert  should assign one Avert customer  number to correspond  with the unique
Company Code/Region Code of the ADP client.
__ Avert should assign  multiple Avert customer  numbers to correspond  with the
multiple Company  Codes/Region  Codes associated with this ADP client.  Multiple
User Agreements are attached for each Avert customer number.
__This client requires a unique set up design for billing, delivery, or multiple
Avert customer  numbers,  etc. Avert,  Inc. should contact the ADP client before
activating the account.

Business Name (User) ___________________________________________________________
Address ________________________________________________________________________
         Street             City                   State               Zip Code
Phone # _____________________ Fax # ________________________E-mail Address _____
Main Contact Name (s) __________________________________________________________
                      First                        Last              Title
Billing Contact Name (if different from main contact)
________________________________________________________________________________
Phone # _____________________ Fax # ________________________E-mail Address _____
Please describe your company's business. _______________________________________
Standard Industry  Code (SIC Code) __________________  How long has your company
been in business?  ____________Years  Identify one  principal (or owner) of your
business or symbol if company is publicly traded.

----------------------- ---------------------- -------------------- ------------
Name                   Title                   Phone                Symbol

Select password _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ (up to 15 characters) Do you have
an  Internet  connection?  __Yes __
_____ [a] Total # of CURRENT Employees ADPSafehire Price
_____ [b] Forecast  Annual # of NEW Hires __ - 24 employees  $30.00/month
_____ [c] Forecast Annual # of REPLACEMENT Hires __ - 74 employees  $60.00/month
_____ Total Turnover Rate Percentage (b+c)/a __ - 99 employees $90.00/month

Monthly Subscription Fee Amount $__________
One Time Set Up Fee $ 150.00
Transaction Date: Will be between the 1st and 5th business day of each month.
Bank Name _______________________________ Account Name _________________________
Bank Address ___________________________________________________________________
             Street          City                  State                   Zip
Bank Phone ____________________________ Bank Contact Name ______________________
Bank Transit /ABA # _______________ Account Number _____________________________

User certifies  that the "Terms for Consumer  Report User  Agreement"  have been
read and agrees to the terms as written.
X_______________________________________________________________________________
User Authorized Signature                         Title                     Date

--------------------------------------------------------------------------------
Avert, Inc. Authorized Signature                  Title                     Date

--------------------------------------------------------------------------------
ADP (EBS) District Manager                                                  Date

ADP Company Code: ___ ___ ___ ADP Region Code: ___ ___ ___
ADP Sales Office Code: ___ ___ ___ ___ DM Code: ___ ___
[ ] Client [ ] Prospect [ ] Standalone [ ] Upgrade Platform: __AP __EZPay
DM Name: ___________________________________________ DM Phone ( ____ )__________
NOTES: (for ADP use only)

<PAGE>

                                 EBS EMPUA99.04

                           www.avert.com o www.adp.com

Terms for Consumer Report User Agreement
This agreement by and between Avert,  Inc. and the company named on the Consumer
Report User  Agreement  (User) and/or its  designated  agent(s)  consists of the
following understandings and conditions:

User certifies and agrees to:
1. Use the services of and the reports received from Avert in strict  compliance
with all provisions of the Fair Credit  Reporting Act (FCRA),  Public Law 91-508
and the Americans with  Disabilities  Act (ADA 1990),  and all other  applicable
federal  and state  laws and  regulations  including  federal  and  state  equal
opportunity  laws and  regulations.

2. Review the Notice to Users of Consumer  Reports:  Obligations  of Users under
the FCRA at  www.avert.com/fcra  and perform legal  obligations  as set forth in
said Notice.

3. Use the  information  provided by Avert for the User' s  exclusive  use only,
except to  disclose  said  information  to the  subject of the  report,  and for
employment purposes only, and only in accordance with applicable law.

4. Make a clear and  conspicuous  disclosure  to the  applicant or employee,  in
writing and in a separate  document,  that a consumer report may be obtained for
employment purposes.

5. Make a clear and  accurate  disclosure  to the  applicant  or  employee if an
investigative  consumer report (reference  check) will be obtained,  including a
statement  informing the subject of the report that  additional  information  is
available if requested.

6. Obtain the proper  written  authorization  from the applicant or employee for
any consumer report prior to requesting any report.

7. Provide  proper  notice to the  applicant  or employee,  a copy of the report
obtained,  and a Summary  of  Rights,  as  required  by the FCRA,  if an adverse
decision  regarding  employment  is going to be made due to  information  in any
report obtained from Avert, Inc.

8.  Ensure  that  reports   will  be  requested   only  by  User'  s  designated
representatives  and forbid  employees  from  obtaining  reports on  themselves,
associates or any other person except in the exercise of their official duties.

9. Maintain a file of all applicant  release  authorizations  and make such file
available for review by ADP or Avert.

10. Recognize that information is obtained and managed by fallible sources,  and
that for the fee charged, Avert does not guarantee or insure the accuracy or the
depth of information provided.

11.  Assume  responsibility  for the  final  verification  of the  applicant'  s
identity.

12. Base employment  decisions or any actions on the User' s lawful policies and
procedures  and  recognize  that Avert  employees  are not allowed to render any
legal opinions regarding information contained in a consumer report.

13.  Recognize that once Avert,  Inc. has delivered your customer  number to the
main  contact   person  listed  on  this   agreement,   that  the  security  and
dissemination of this unique customer number is the responsibility of the person
signing this agreement.  Avert will neither release  information nor take orders
for services unless the customer number is provided.

14. Order the Subscription Product offered through the Avert/ADP partnership for
new and potential employees only.

15.  Recognize  that for the  Subscription  Fee indicated on the reverse of this
agreement, Avert will provide an unlimited number of Subscription Product orders
to the User for new and potential employees only.

<PAGE>

16.  Recognize  that the User may  order  any  reports,  services  and  forms in
addition to the Subscription Product.  Those fee-based Avert reports,  services,
and forms will be billed to the User in  addition to the  Subscription  Fee on a
per-transaction basis.

17.  Recognize that Avert may adjust the User' s Subscription  Fee, with 30 days
written notice, based on acknowledged receipt of change in employee headcount.

18. Provide credit information on User as may be requested by Avert, Inc. during
the course of this agreement.

19.  Recognize  that  payment  of the set up fee and  prorated  first  month  of
Subscription Fee will be processed upon completion of account set up. Any future
Subscription Fee and any additional fee-based Avert reports,  services and forms
will be billed at the beginning of each month.

20. If you are  dissatisfied  for any reason,  notify Avert in writing within 30
days of the date you signed this  agreement  and your account will be closed and
your set up fee  (less  charges  for  Subscription  Fee and  fee-based  reports,
services or forms) will be refunded.  Terms for Consumer  Report User  Agreement
This agreement by and between Avert,  Inc. and the company named on the Consumer
Report User  Agreement  (User) and/or its  designated  agent(s)  consists of the
following understandings and conditions:

21.  Authorize and request Avert,  Inc. to effect payment of any amounts owed by
User to Avert Inc., as amounts become due by authorizing  debit entries to User'
s account at BANK. User hereby  authorizes and requests BANK to accept any debit
entries  initiated by Avert,  Inc., and to debit the same to my account  without
liability for the correctness of the entries. This authorization shall remain in
effect unless and until revoked in writing by an  authorized  representative  of
User to BANK and Avert, Inc. as per the terms of this agreement.

22. Recognize that User  acknowledges that if sufficient funds are not available
by the date required pursuant to the foregoing provisions of the Agreement,  (1)
User will  immediately  become solely  responsible for all amounts owed, and all
related penalties and interest due then and thereafter,  (2) and all Avert, Inc.
services may, at Avert,  Inc.' s option, be immediately  suspended,  (3) neither
Bank nor Avert, Inc. will have any further obligation to User or any third party
with respect to any such charges and (4) Avert,  Inc. may take such action as it
deems appropriate to collect Avert, Inc.' s fees.

23.  Recognize  that if any  change  is made by Avert,  Inc.  in the date of the
billing  cycle on or after which such entries are to be debited to such account,
Avert, Inc. shall, within not less than seven (7) calendar days before the first
entry to be affected by such  change is to be debited to such  account,  send to
User written  notification of the new date on or after which such entries are to
be  debited  to such  account.  The  provision  will  not  apply if the User has
authorized  the  initiation  of a single entry to his account or if the User has
agreed that entries  representing  indebtedness to his account may be debited at
any time after the indebtedness is incurred.

24.  Recognize  that User may by  written  notice to BANK and Avert,  Inc.  stop
payment of any entry  initiated  or to be  initiated  by Avert,  Inc. to User' s
account  pursuant to this  agreement but such notice must be received by BANK in
such time and in such manner as to afford  BANK and Avert,  Inc.  fourteen  (14)
business days to act on it.

25. Recognize that if an entry is erroneously  initiated by Avert, Inc. to User'
s account,  User shall have the right to have the amount of such entry  credited
to such account by BANK if within  fifteen (15) calendar days following the date
on  which  BANK  sent or  made  available  to User a  statement  of  account  or
notification  pertaining  to such entry.  User shall send or deliver to BANK and
Avert, Inc. a written notice identifying such entry, stating that such entry was
in error and  requesting  BANK and Avert,  Inc. to credit the amount  thereof to
such account.

<PAGE>

26. Be aware that, if an account remains inactive for twelve consecutive months,
it may be closed and a new User Agreement may be required to reopen the account.

27. Acknowledge that a facsimile of this agreement is as valid as an original.

28.  Recognize that in order to remain in compliance  with laws and  regulations
governing  consumer  reporting  agencies  Avert may make  modifications  to this
agreement from time to time. These  modifications  may be mailed to the User and
the  User'  s use  of  Avert'  s  services  after  the  date  specified  in  the
communication  will be construed as your agreement and implied  consent to these
modifications.

Avert agrees to:
1.  Comply with all  applicable  laws in the  preparation  and  transmission  of
reports  as  defined in 15  USC-1681  et seq,  regulated  by the  Federal  Trade
Commission.

2. Follow  reasonable  quality  assurance  procedures to assure maximum possible
accuracy of information.

3. Re-verify at no cost any disputed  report when either the User or the subject
makes a request in accordance  with  applicable  law. Avert' s response shall be
made in writing and delivered in a timely manner.

4. Maintain consumer report information and transaction details for a minimum of
two years.  During an inquiry,  the subject of the report has the right to learn
the name of the User ordering information and has the right to receive a copy of
the report ordered by the User when a lawful request is made to Avert.

5.  Provide  all  information  to the  consumer  as  required by the Fair Credit
Reporting Act.

6.  Maintain   confidentiality   of  its  data   acquisition  and   verification
methodology.

7. Avert may, at its sole discretion, terminate service to any User.

www.avert.com i www.adp.com EBSEMPUA99.04EXHIBIT 10.1.5

                           www.avert.com i www.adp.com

                         Consumer Report User Agreement

          YOUR AVERT CUSTOMER NUMBER IS: _____________________________

__Avert  should assign one Avert customer  number to correspond  with the unique
Company Code/Region Code of the ADP client.
__ Avert should assign  multiple Avert customer  numbers to correspond  with the
multiple Company  Codes/Region  Codes associated with this ADP client.  Multiple
User Agreements are attached for each Avert customer number.
__This client requires a unique set up design for billing, delivery, or multiple
Avert customer  numbers,  etc. Avert,  Inc. should contact the ADP client before
activating the account.

Business Name (User) ___________________________________________________________
Address ________________________________________________________________________
         Street             City                   State               Zip Code
Phone # _____________________ Fax # ________________________E-mail Address _____
Main Contact Name (s) __________________________________________________________
                      First                        Last              Title
Billing Contact Name (if different from main contact)
________________________________________________________________________________
Phone # _____________________ Fax # ________________________E-mail Address _____
Please describe your company's business. _______________________________________
Standard Industry  Code (SIC Code) __________________  How long has your company
been in business?  ____________Years  Identify one  principal (or owner) of your
business or symbol if company is publicly traded.

----------------------- ---------------------- -------------------- ------------
Name                   Title                   Phone                Symbol

User certifies  that the "Terms for Consumer  Report User  Agreement"  have been
read and agrees to the terms as written.
X_______________________________________________________________________________
User Authorized Signature                         Title                     Date

--------------------------------------------------------------------------------
Avert, Inc. Authorized Signature                  Title                     Date

--------------------------------------------------------------------------------
ADP (Majors) District Manager                                               Date

_____ [a] Total # of CURRENT Employees ADPSecureHire (check the appropriate box)
_____ [b] Forecast  Annual # of NEW Hires __#1 __#2 __#3 __#____
_____ [c] Forecast Annual # of REPLACEMENT Hires
_____ Total Turnover Rate Percentage (b+c)/a

Monthly Subscription Fee Amount $__________
One Time Set Up Fee $ 150.00
Transaction Date: Will be between the 1st and 5th business day of each month.
Bank Name _______________________________ Account Name _________________________
Bank Address ___________________________________________________________________
             Street          City                  State                   Zip
Bank Phone ____________________________ Bank Contact Name ______________________
Bank Transit /ABA # _______________ Account Number _____________________________

User certifies  that the "Terms for Consumer  Report User  Agreement"  have been
read and agrees to the terms as written.
X_______________________________________________________________________________
 User Authorized Signature                       Title                     Date

--------------------------------------------------------------------------------
Avert, Inc. Authorized Signature                 Title                     Date

--------------------------------------------------------------------------------
ADP (EBS) District Manager

ADP Company Code: ___ ___ ___ ADP Region Code: ___ ___ ___
ADP Sales Office Code: ___ ___ ___ ___ DM Code: ___ ___
[ ] Client [ ] Prospect [ ] Standalone [ ] Upgrade Platform: __AP __EZPay
DM Name: _______________________________________ DM Phone ( _____ ) ____________

MAJORSEMPUA99.04
<PAGE>

                                                       NOTES: (for ADP use only)
Terms for Consumer Report User Agreement
This agreement by and between Avert,  Inc. and the company named on the Consumer
Report User  Agreement  (User) and/or its  designated  agent(s)  consists of the
following understandings and conditions:

User certifies and agrees to:
1. Use the services of and the reports received from Avert in strict  compliance
with all provisions of the Fair Credit  Reporting Act (FCRA),  Public Law 91-508
and the Americans with  Disabilities  Act (ADA 1990),  and all other  applicable
federal  and state  laws and  regulations  including  federal  and  state  equal
opportunity  laws and  regulations.

2. Review the Notice to Users of Consumer  Reports:  Obligations  of Users under
the FCRA at www.avert.com/avertnet and perform legal obligations as set forth in
said Notice.

3. Use the  information  provided by Avert for the User' s  exclusive  use only,
except to  disclose  said  information  to the  subject of the  report,  and for
employment purposes only, and only in accordance with applicable law.

4. Make a clear and  conspicuous  disclosure  to the  applicant or employee,  in
writing and in a separate  document,  that a consumer report may be obtained for
employment purposes.

5. Make a clear and  accurate  disclosure  to the  applicant  or  employee if an
investigative  consumer report (reference  check) will be obtained,  including a
statement  informing the subject of the report that  additional  information  is
available if requested.

6. Obtain the proper  written  authorization  from the applicant or employee for
any consumer report prior to requesting any report.

7. Provide  proper  notice to the  applicant  or employee,  a copy of the report
obtained,  and a Summary  of  Rights,  as  required  by the FCRA,  if an adverse
decision  regarding  employment  is going to be made due to  information  in any
report obtained from Avert, Inc.

8.  Ensure  that  reports   will  be  requested   only  by  User'  s  designated
representatives  and forbid  employees  from  obtaining  reports on  themselves,
associates or any other person except in the exercise of their official duties.

9. Maintain a file of all applicant  release  authorizations  and make such file
available for review by ADP or Avert.

10. Recognize that information is obtained and managed by fallible sources,  and
that for the fee charged, Avert does not guarantee or insure the accuracy or the
depth of information provided.

11.  Assume  responsibility  for the  final  verification  of the  applicant'  s
identity.

12. Base employment  decisions or any actions on the User' s lawful policies and
procedures  and  recognize  that Avert  employees  are not allowed to render any
legal opinions regarding information contained in a consumer report.

<PAGE>

13.  Recognize that once Avert,  Inc. has delivered your customer  number to the
main  contact   person  listed  on  this   agreement,   that  the  security  and
dissemination of this unique customer number is the responsibility of the person
signing this agreement.  Avert will neither release  information nor take orders
for services unless the customer number is provided.

14. Order the Subscription Product offered through the Avert/ADP partnership for
new and potential employees only.

15.  Recognize  that for the  Subscription  Fee indicated on the reverse of this
agreement, Avert will provide an unlimited number of Subscription Product orders
to the User for new and potential employees only.

16.  Recognize  that the User may  order  any  reports,  services  and  forms in
addition to the Subscription  Product.  Those fee-based Avert reports,  services
and forms will be billed to the User in  addition to the  Subscription  Fee on a
per-transaction basis.

17.  Recognize that Avert may adjust the User's  Subscription  Fee, with 30 days
written notice, based on acknowledged receipt of change in employee headcount.

18.  Recognize that Avert,  Inc. may adjust User' s Subscription  Fee, after six
months and every six months thereafter, if User' s total turnover rate increases
into the range requiring higher custom pricing.

19. Provide credit information on User as may be requested by Avert, Inc. during
the course of this agreement.

20.  Recognize  that  payment  of the set up fee and  prorated  first  month  of
Subscription Fee will be processed upon completion of account set up. Any future
Subscription Fee and any additional fee-based Avert reports,  services and forms
will be billed at the beginning of each month.

21. If you are  dissatisfied  for any reason,  notify Avert in writing within 30
days of the date you signed this  agreement  and your account will be closed and
your set up fee  (less  charges  for  Subscription  Fee and  fee-based  reports,
services and forms) will be refunded.

22.  Authorize and request Avert,  Inc. to effect payment of any amounts owed by
User to Avert Inc., as amounts become due by authorizing  debit entries to User'
s account at BANK. User hereby  authorizes and requests BANK to accept any debit
entries  initiated by Avert,  Inc., and to debit the same to my account  without
liability for the correctness of the entries. This authorization shall remain in
effect unless and until revoked in writing by an  authorized  representative  of
User to BANK and Avert, Inc. as per the terms of this agreement.

23. Recognize that User  acknowledges that if sufficient funds are not available
by the date required pursuant to the foregoing provisions of the Agreement,  (1)
User will  immediately  become solely  responsible for all amounts owed, and all
related penalties and interest due then and thereafter,  (2) and all Avert, Inc.
services may, at Avert,  Inc.' s option, be immediately  suspended,  (3) neither
Bank nor Avert, Inc. will have any further obligation to User or any third party
with respect to any such charges and (4) Avert,  Inc. may take such action as it
deems appropriate to collect Avert, Inc.' s fees.

24.  Recognize  that if any  change  is made by Avert,  Inc.  in the date of the
billing  cycle on or after which such entries are to be debited to such account,
Avert, Inc. shall, within not less than seven (7) calendar days before the first
entry to be affected by such  change is to be debited to such  account,  send to
User written  notification of the new date on or after which such entries are to
be  debited  to such  account.  The  provision  will  not  apply if the User has
authorized  the  initiation  of a single entry to his account or if the User has
agreed that entries  representing  indebtedness to his account may be debited at
any time after the indebtedness is incurred.

<PAGE>

25.  Recognize  that User may by  written  notice to BANK and Avert,  Inc.  stop
payment of any entry  initiated  or to be  initiated  by Avert,  Inc. to User' s
account  pursuant to this  agreement but such notice must be received by BANK in
such time and in such manner as to afford  BANK and Avert,  Inc.  fourteen  (14)
business days to act on it.

26. Recognize that if an entry is erroneously  initiated by Avert, Inc. to User'
s account,  User shall have the right to have the amount of such entry  credited
to such account by BANK if within  fifteen (15) calendar days following the date
on  which  BANK  sent or  made  available  to User a  statement  of  account  or
notification  pertaining  to such entry.  User shall send or deliver to BANK and
Avert, Inc. a written notice identifying such entry, stating that such entry was
in error and  requesting  BANK and Avert,  Inc. to credit the amount  thereof to
such account.

27. Be aware that, if an account remains inactive for twelve consecutive months,
it may be closed and a new User Agreement may be required to reopen the account.

28. Acknowledge that a facsimile of this agreement is as valid as an original.

29.  Recognize that in order to remain in compliance  with laws and  regulations
governing  consumer  reporting  agencies  Avert may make  modifications  to this
agreement from time to time. These  modifications  may be mailed to the User and
the  User'  s use  of  Avert'  s  services  after  the  date  specified  in  the
communication  will be construed as your agreement and implied  consent to these
modifications.

Avert agrees to:
1.  Comply with all  applicable  laws in the  preparation  and  transmission  of
reports  as  defined in 15  USC-1681  et seq,  regulated  by the  Federal  Trade
Commission.

2. Follow  reasonable  quality  assurance  procedures to assure maximum possible
accuracy of information.

3. Re-verify at no cost any disputed  report when either the User or the subject
makes a request in accordance  with  applicable  law. Avert' s response shall be
made in writing and delivered in a timely manner.

4. Maintain consumer report information and transaction details for a minimum of
two years.  During an inquiry,  the subject of the report has the right to learn
the name of the User ordering information and has the right to receive a copy of
the report ordered by the User when a lawful request is made to Avert.

5.  Provide  all  information  to the  consumer  as  required by the Fair Credit
Reporting Act.

6.  Maintain   confidentiality   of  its  data   acquisition  and   verification
methodology.

7. Avert may, at its sole discretion, terminate service to any User.

www.avert.com i www.adp.com MAJORSEMPUA99.04

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