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                                                                    Exhibit 10.5

                           PROGRAM PROVIDER AGREEMENT

        This agreement ("Agreement") is effective as of August 1, 2002
("Effective Date"), between Citibank (South Dakota), N.A., Citibank USA N.A.,
and Citicorp Credit Services, Inc. (the entities above individually and
collectively referred to herein as "Citi"), and Intersections, Inc. having a
place of business at 14930 Bogle Drive, Chantilly VA 21051 ("Provider"). This
Agreement governs one or more Programs offered by Provider hereunder and the
Services related to each such Program that Provider shall provide to Citi and
certain Citi Cardmembers. This Agreement is made in respect of good and valid
consideration, receipt of which is hereby acknowledged by each party. Except as
expressly authorized pursuant to this Agreement and in full compliance with all
terms and requirements set forth herein, Provider shall not offer or provide any
Program or Services to Citi Cardmembers.

ARTICLE I.       DEFINITIONS

"Citi Cards" means credit and other cards issued by Citi, including cards
relating to accounts or portfolios that may be acquired by any Citi affiliate.

"Citi Cardmembers" and "Cardmembers" mean primary and secondary accountholders
of Citi Cards.

"Confidential Information" means information, materials and data that are
confidential and proprietary to each party, to which the other party may have
access during the term of this Agreement. Confidential Information includes
without limitation (i) marketing philosophy, techniques, practices, objectives,
strategies, methodology, targeting methods, market research and results,
competitive advantages and disadvantages, financial results, technological
developments, response rates, trade secrets, processes, procedures, plans,
policies, business affairs, discoveries, hardware, software, screens,
specifications, designs, and intellectual property: and (ii) the provisions of
this Agreement and rights and obligations hereunder (other than as are made
generally available by the parties). In the case of Citi, its Confidential
Information also includes (i) names, addresses, phone numbers, and tracking
numbers of Cardmembers provided by Citi, or by Cardmembers, to Provider in
connection with this Agreement; and (ii) demographic, behavioral, credit,
account and other information relating to Participating Cardmembers recorded or
generated by Provider.

"Credit Reporting Agency" means a credit reporting agency, including without
limitation Experian, Equifax or TransUnion, that provides consumer data to
Provider in connection with a Program.

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"Marketing Materials" means any and all communications, oral or written, from
Provider and/or Citi to Cardmembers, regarding a Program, including, but not
limited to, membership fulfillment kits; solo mailings; snap-packs; postmailers;
credit card mailers; scripts, including voice response technology and
telemarketing scripts and screens (both inbound and outbound and including
questions and answers); bangtails; insert mailings; renewal mailings; inquiry
notifications and newsletters; Web site text and presentation; media
advertising; and electronic mail.

"Participating Cardmembers" means Cardmembers who agree to enroll, or otherwise
accept or participate, in Programs.

"Program Exhibit" means each and every Program Exhibit that is approved in
writing by Citi and by Provider.

"Program(s)" means membership clubs, insurance programs, merchandise, magazine
subscriptions and/or other products and Services offered by Provider to Citi
Cardmembers pursuant to this Agreement.

"Services" means Marketing Materials, products, Program benefits, mailing of
fulfillment materials, cancellation, refunds, inquiry response, complaint
response, payment, security and confidentiality measures, reporting, and other
activities undertaken by Provider with respect to Citi or Citi Cardmembers in
connection with a Program or a proposed Program, and all obligations of Provider
pursuant to this Agreement.

ARTICLE II.      PROGRAM AUTHORIZATION AND GENERAL OBLIGATIONS

        A. Provider is authorized to undertake the Program(s) described in the
approved Program Exhibit(s) appended to this Agreement. Each Program shall be
governed by the terms of a separate Program Exhibit and this Agreement. Each
Program Exhibit is hereby incorporated by reference and made part of this
Agreement.

        B. Each Program Exhibit shall accurately and fully describe the Program
to which it relates. Each such description shall include, as applicable, the
Program term, timetables, marketing plan, expenses, membership benefits,
compensation, billing arrangements, and any other terms and conditions
specifically pertaining to the Program. Citi may elect to make a Program
available to those Cardmembers as Citi deems appropriate in its sole discretion
or as otherwise set forth in the applicable Program Exhibit. Provider shall
provide to Participating Cardmembers the Program benefits as described in the
Program Exhibit and Marketing Materials, and shall not, without Citi's prior
written consent, reduce or materially modify the Program benefits during the
term of the Program, unless required to by an applicable law, regulation, court
order or order or pronouncement by a government agency with appropriate
jurisdiction.

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        C. In undertaking Programs pursuant to this Agreement, Provider shall
comply with the terms set forth in each approved Program Exhibit and, as
applicable, with the provisions of (i) the Marketing and Branding Requirements
set forth in Attachment A; (ii) the Citicorp Information Security Standards set
forth in Attachment B; (iii) the Management Information Systems Standards set
forth in Attachment C; (iv) the Customer Service and Performance Standards set
forth in Attachment D; (v) the Ten Principles of the Citigroup Privacy Promise
set forth in Attachment E; and (vi) the Telemarketing Practices Requirements set
forth in Attachment F, each of which Attachments is appended hereto,
incorporated by reference and made a part of this Agreement. Citi reserves the
right to modify the documents listed in this Paragraph II.C. upon forty-five
(45) days advance written notice to Provider.

        D. Citi shall transmit to Provider, if and as required, the names,
addresses, phone numbers, Social Security Numbers, and sequence numbers specific
to those Citi Cardmembers to whom Provider is authorized to offer the Program(s)
pursuant to the governing Program Exhibit(s). Citi shall provide such
information in a computer-readable, mutually acceptable format as indicated in
the Program Exhibit(s).

        E. Rights and obligations under this Agreement may be exercised and
undertaken by one or more Citi affiliates, at Citi's discretion, provided,
however, for each individual Program, only the Citi entity named in the Program
Exhibit shall be responsible for Citi's Program obligations, and no other Citi
entity shall be liable in connection with that Program. Consideration payable by
Provider in respect of each individual Program shall be payable to the Citi
entity indicated in the governing Program Exhibit.

        F. Citi understands that Intersections has broad market and other
programs that may include customers who have and use a Citi Card. Therefore,
Citi agrees that nothing in this Agreement shall preclude Provider from making
offers of any of Provider's products or services to the general public or to
individuals who have Citi Cards and who incidentally are part of a group
targeted by Provider outside this Agreement, so long as Provider does not
specifically target individuals who have Citi Cards. Such marketing by Provider
is not part of, or regulated by, this Agreement.

ARTICLE III.     SUBCONTRACTORS

        A. Provider shall not use any subcontractor or agent to perform Services
pursuant to this Agreement unless Citi gives its prior written consent and
Provider ensures that such subcontractor or agent (i) has executed a written
agreement to comply in effect with all applicable terms of this Agreement
(including Program Exhibit(s), and Attachments) and (ii) does not take any
action in violation of such written agreement. Provider shall not use any
subcontractor or agent to perform

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telemarketing Services hereunder unless such subcontractor or agent is included
on Citi's Approved Vendor List, a copy of which shall be furnished to Provider.

        B. Provider shall remain primarily responsible to Citi for the
performance or nonperformance of its subcontractors and agents and their
respective employees, subcontractors and agents. Citi shall have the right to
require Provider to replace any such subcontractor or agent within thirty (30)
days of Citi's written notice for failure to perform in accordance with this
Agreement.

ARTICLE IV.      PROGRAM EXPENSES

        Except as otherwise provided in this Agreement, Provider shall be solely
responsible for, and shall bear all costs and expenses relating to, the
marketing, administration and provision of Programs, including all costs and
expenses of: (i) designing, printing, and disseminating (other than the cost of
postage for billing statements that otherwise would be mailed by Citi) all
Marketing Materials; (ii) correspondence and forms related to the Program; (iii)
telemarketing and teleservicing conducted by Provider; (iv) Program customer
service, benefits, and fulfillment; and (v) installation and maintenance of any
telephone lines required for monitoring and recording Cardmember calls and/or
transfer of such calls from Citi to Provider.

ARTICLE V.       MARKETING MATERIALS REVIEW AND APPROVAL

        Provider shall submit to Citi for review, and obtain Citi's approval, of
complete prototypes of any proposed written or printed Marketing Materials prior
to the production, dissemination, or use of such Marketing Materials in
connection with the Programs. Such submission will include, upon Citi's request,
proof of clearance of any photographic and other images depicting persons. Citi
shall have the final right of approval of the design and content of all
Marketing Materials, and Provider shall incorporate any and all revisions
required as a condition of approval by Citi, and shall bear all costs related
thereto. Provider shall, in accordance with Attachment A, obtain Citi's approval
prior to modifying or reprinting any Marketing Materials that previously have
been approved by Citi.

ARTICLE VI.      TELEMARKETING REQUIREMENTS

        A.       To ensure compliance with, and the quality of performance
under, this Agreement, Citi (or its designated agent) may at any time monitor
and record telephone conversations between Provider and Cardmembers including
Participating Cardmembers. Provider shall obtain written consent to such
monitoring and recording from each individual who provides telemarketing
Services in connection with Programs and shall ensure that a notice is given at
the start of each telephone conversation that the conversation may be monitored
and recorded. Upon request by

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Citi, Provider shall provide to Citi (or its designated agent) a connection, via
telephone, to the monitoring system operated by Provider whereby Citi (or its
designated agent) can randomly select and monitor telemarketing calls with
Cardmembers from a remote location, in a manner designed to be undetected and
undetectable by normal use. Provider shall provide Citi with a unique
identification number to present when requesting on-line monitoring. This
identification number will prevent anyone other than Citi (or its designated
agent) from monitoring such telemarketing calls.

        B.       Provider shall provide a minimum of twenty-four (24) hours
prior written notice of any cancellation or postponement or rescheduling by
Provider or its subcontractor or agent of a scheduled session of monitoring of
telemarketing calls by Citi (or its designated agent) for all reasons other than
those related to technology failure. In the event of any failure to provide such
minimum notice, Provider shall pay to Citi the amount of One Hundred Dollars
($100.00) for each such failure. In the event three or more monitoring sessions
are cancelled, postponed or rescheduled in any calendar month due to
technology-related issues, Provider shall submit a written action plan to Citi
within five (5) days of the third such cancellation, detailing the steps and
timelines for resolution and cure of the issues and shall undertake the steps
contemplated by such action plan as quickly as possible.

        C.       At the direction of Citi, Provider shall record that portion of
any telemarketing solicitation that constitutes a Cardmember's agreement to
enroll in a Program, including a recitation of the material terms thereof. All
such recordings shall be retained by Provider for the period of time that may be
specified by Citi that shall be no longer than five (5) years after membership
cancellation, or absent any such specification, for a period of at least two (2)
years, and shall be delivered to Citi promptly upon request. In no event shall
Provider deliver any such recordings to a third party including, but not limited
to, the Cardmember whose agreement to enroll is purported to be recorded, or his
or her representative.

        D.       Provider will, on a schedule to be determined by Citi, visit
each site at which any of its subcontractors or agents are performing
telemarketing Services hereunder for the purpose of monitoring (i) compliance by
such subcontractor or agent with the applicable provisions of this Agreement;
and (ii) the quality of the performance of such telemarketing Services. Such
site visits will be unannounced. Provider will inform Citi at least seventy-two
(72) hours in advance of such visits and shall permit Citi, in its sole
discretion, to accompany Provider on any such unannounced visit. In addition to
such unannounced site visits by Provider, Citi may also, in its sole discretion,
visit any of the sites at which subcontractors or agents of Provider are
performing telemarketing services hereunder, upon twenty-four (24) hours prior
notice to Provider, but upon no prior notice to the subcontractor or agent whose
site is visited. Provider shall ensure that it gives no such prior notice.

ARTICLE VII.               MEMBERSHIP RETENTION; SATISFACTION

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        A. Provider shall maintain and implement strategies that promote the
retention of Participating Cardmembers. Citi may elect to transfer
attrition-related telephone calls of Participating Cardmembers and forward
similar correspondence to Provider, as frequently as Citi, in its sole
discretion, determines is appropriate or reasonable. Provider will use
commercially reasonable best efforts to retain Participating Cardmembers who
inquire about cancellation of Program membership, using scripts, guidelines,
written responses or other Marketing Materials approved by Citi.

        B. Solely at Provider's expense, and with Provider's full cooperation,
Citi shall conduct annual satisfaction surveys of current and former
Participating Cardmembers of each Program and Citi shall have the option, at its
own expense, to require or conduct additional satisfaction surveys. In the event
that Citi determines, based on a satisfaction survey, that any feature, benefit,
process or other aspect of a Program should be modified or replaced, Citi shall
so inform Provider and Provider shall (i) deliver to Citi, within twenty (20)
days of such notice, a plan that satisfactorily addresses Citi's concern within
the reasonable time period specified by Citi, and (ii) execute such plan within
such specified time period.

ARTICLE VIII.    CONFIDENTIAL INFORMATION

        A. Each party shall protect and preserve the confidential and
proprietary nature of all Confidential Information belonging to the other party
and shall use such Confidential Information only for purposes authorized under
this Agreement. Without the prior written consent of the other party, neither
party shall disclose, give, sell or otherwise transfer or make available,
directly or indirectly, any Confidential Information belonging to the other
party to any third party for any purpose. Each party shall ensure that only its
employees, authorized agents, or subcontractors who need to know Confidential
Information belonging to the other party in order to perform its obligations
hereunder will receive such Confidential Information and that such persons agree
to be bound in effect by, and do comply in effect with, the applicable
provisions of this Article VIII.

        B. With respect to the Confidential Information belonging to Citi,
Provider shall not accumulate in any way or make use of such Confidential
Information for any purpose, including the marketing of any Program, other than
as authorized by written agreement with Citi, and shall not add to, modify,
append, or alter in any way Confidential Information regarding Cardmembers that
is provided by Citi pursuant to this Agreement. Citi hereby authorizes Provider
to perform a telematch review of all Cardmember telephone numbers furnished to
Provider by Citi to ensure that each such telephone number is the most
up-to-date one for the related Cardmember and directs Provider to append to the
Confidential Information any updated telephone numbers it discovers.

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        C. These confidentiality obligations shall not apply to Confidential
Information that:

          (i) a party specifically and in writing authorizes the other party to
          disclose;

          (ii) a party received from a third party that had the right to make
          such disclosure without violation of any confidentiality obligation;
          provided the receiving party first demonstrates in writing to the
          other party's satisfaction such asserted right;

          (iii) is or becomes part of the public domain through no action
          of the party bound to keep it confidential, and such party first
          demonstrates in writing to the other party's satisfaction such
          asserted status of the Confidential Information;

          (iv) is required under applicable law, regulation or
           pronouncement or directive of a government agency with
          appropriate jurisdiction; or

          (v) consists of a Cardmember name, address, Social Security
          Number and/or authorization that may be needed by a Credit
          Reporting Agency in order to permit Provider to obtain a credit
          report for use in fulfillment of the Program.

        D. In addition to the exceptions set out in Paragraph VIII.C. above,
these confidentiality obligations shall not apply to Confidential Information a
party is ordered or requested to disclose by a court or agency with appropriate
jurisdiction. In the event either party receives a subpoena, court order or
other similar process purporting to require such party to disclose, or a request
by a court or agency with appropriate jurisdiction for, Confidential Information
belonging to the other party, then the party receiving the subpoena, court
order, other similar process or request, shall provide the other party with
written notice and documentation thereof as soon as practicable, and shall
cooperate fully with such other party in the event that such other party
determines to seek a protective order or other remedy with regard to such
disclosure.

        E. Each party will not, without the prior written consent of the other
party, transmit directly or indirectly the Confidential Information belonging to
the other, or any portion thereof, to any country outside the United States.
Citi hereby consents to Provider's transmittal to a telemarketing company
located in Canada, which has been approved by Citi as Provider's subcontractor,
the relevant Confidential Information needed by such telemarketing company to
perform Services hereunder.

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        F. Each party agrees that, unless prior written authorization is
obtained from the disclosing party and from the United States Department of
Commerce or other relevant agency of the United States Government, it will not
knowingly export, directly or indirectly, the Confidential Information belonging
to the other, or the direct product of such Confidential Information, to: (i)
any country in Country Group S or Z of the Export Administration Regulations of
the Department of Commerce (currently Libya, Cuba and North Korea); (ii) any
non-civil (i.e., military) end-users of for any non-civil (i.e., military)
end-uses in any country in Country Group Q, W or Y of the Export Administration
regulations (currently Albania, Bulgaria, Cambodia, Estonia, Laos, Latvia,
Lithuania, Mongolian Peoples' Republic, Romania, the geographic areas formerly
known as the Union of Soviet Socialist Republics, Vietnam) or the Peoples'
republic of China; (iii) any country subject to sanctions administered by the
Office of Foreign Assets Control (currently Cuba, Iraq, Libya, North Korea,
Serbia and Montenegro); or (iv) Iran or Syria.

        G. Each party agrees that any unauthorized use or disclosure of the
Confidential Information of the other party may cause immediate and irreparable
harm to such other party for which money damages would not constitute an
adequate remedy, that such other party would be entitled to seek injunctive
relief, and that injunctive relief would in the event of such unauthorized use
or disclosure be necessary and appropriate.

        H. Provider agrees to complete fully and return to Citi a Citi Vendor
Information Sheet and Security Audit Questionnaire. Provider shall notify Citi
immediately of any loss or unauthorized disclosure or use of Citi Information
that comes to Provider's attention.

ARTICLE IX.      COMPLIANCE AUDITS; REPORTING

         A. To verify a Provider's compliance with the terms of this Agreement,
Citi or its authorized representatives shall have the right to conduct at
Provider's premises, at Citi's sole expense, at reasonable times during working
hours as agreed by the parties after reasonable notice, an initial review and,
thereafter, reviews of Provider's performance hereunder, as well as the
performance of any subcontractor or agentI authorized to perform Services
hereunder ("Audit"). Such subsequent reviews will be performed on an annual
basis, unless Citi determines, within its sole discretion, that a change in
applicable law or regulation, or a change in Provider's business practices or in
its financial status requires a more frequent review. An Audit may include
inspection and review of all aspects of a Provider's (i) business practices
related to Provider's performance of Services; (ii) financial condition; (iii)
internal controls; and (iv) security reviews. Provider shall cooperate fully
with Citi in any Audit and shall give Citi and its auditors access to its
premises for conducting an Audit

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        B. Citi shall give Provider advance notice of any Audit, and Provider
shall ensure that no action or failure to act on its part, or on the part of its
subcontractor or agent, if applicable, will prevent the Audit from beginning
within the time period specified in the notice, but in no event later than five
(5) days from the date of the notice if the time specified is less than five (5)
days. Notwithstanding the above, Citi may conduct an Audit on twenty-four (24)
hours prior written or telephonic notice to Provider if Citi reasonably believes
that Confidential Information belonging to Citi has been or is about to be used,
accumulated, or disclosed in a manner not permitted hereunder.

        C. In the event that Provider fails to (i) cooperate in facilitating
completion of an Audit required by Citi; or (ii) make any required written
report to Citi within the time period specified; Provider agrees to pay the Citi
entity identified in the governing Program Exhibit as a consequence for each
such failure the amount of Five Hundred Dollars ($500.00) for each day in which
such failure continues beyond the date specified in such written notice. Any
such payment(s) shall be in addition to (and not in lieu of) any other rights,
damages or remedies that Citi is entitled to under the terms of this Agreement,
or any applicable law.

        D. Provider understands and agrees that the United States Office of the
Comptroller of the Currency and any comparable federal or state agency has the
right to conduct audits on Provider's premises. Provider agrees to cooperate
fully with such audits. Provider further agrees to furnish to Citi copies of (i)
any agreements it may sign with a federal, state or local regulatory agency that
might affect any Program; (ii) any notices it may receive from a federal, state
or local regulatory agency as to its regulatory compliance; (iii) any
information it may receive about its evaluation or rating by a consumer affairs
agency or bureau (such as the Better Business Bureau) with respect to its
business practices; and (iv) any reports of audits conducted internally or by
third parties that provide information about or might affect any Program.

ARTICLE X.       BREACH; CURE

        A. In the event that Provider fails to comply fully with any requirement
of this Agreement, Citi may provide written notice to Provider of such
non-compliance and specific instructions regarding actions necessary to cure
such non-compliance. In the event that Citi fails to comply with the
requirements of applicable laws or regulations governing the acquisition or use
of consumer credit information, Provider may provide written notice to Citi of
such non-compliance and specific instructions regarding actions necessary to
cure such non-compliance. The party receiving such notice of non-compliance
shall promptly cure or begin diligent efforts to cure the non-compliance and
shall, within five (5) business days, provide to the other party a written
report providing a detailed description of the actions being taken by the
breaching party to cure the non-compliance.

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        B. In the event Citi determines to its reasonable satisfaction that any
of Provider's business practices related to its performance hereunder present a
risk of unauthorized use or disclosure of Confidential Information belonging to
Citi, then Citi shall so notify Provider in writing and Provider shall use its
best efforts to change such business practices as soon as practicable to the
reasonable satisfaction of Citi, and shall ensure that any such required change
shall occur no later than three (3) business days following notice from Citi;
provided, however, Provider may suspend the activities affected or implicated by
Citi's notice until the cited condition is cured, and such suspension shall not
be deemed breach of this Agreement. Provider shall provide Citi with daily
status reports until the required change is effective.

        C. Upon any failure by Provider to cure any breach identified in writing
by Citi, or as set out in Paragraph X.B. above, to prevent a potential breach,
within the time periods specified herein, Citi may, in its sole discretion,
exercise its rights to terminate this Agreement, as set out in Article XI
hereof.

ARTICLE XI.      TERM; TERMINATION

        A. This Agreement shall remain in effect for a period of one year from
its Effective Date. Thereafter it shall continue in effect until terminated by
either party on ninety (90) days written notice delivered to the other party. In
addition to the right to terminate this Agreement as set forth herein, any
individual Program(s) may be terminated in accordance with the provisions of the
governing Program Exhibit(s).

        B. Notwithstanding the foregoing, this Agreement may be terminated:

           (1) by either party within ten (10) days following written notice by
it of termination for cause, where (a) such notice states the terminating
party's determination that the other party breached this Agreement and (b) the
other party has failed to cure fully or commence curing the breach, as set out
in Paragraph X.A. above, or as set out in Paragraph X.B. above (where Provider
is the breaching party), has failed to prevent a potential breach, within the
applicable time period set out in Article X.B. hereof; or

           (2) by Citi immediately, following written notice by it of
discontinuation based on the occurrence or reasonable expectation of any
judicial or governmental action, investigation, or proceeding or adverse
publicity in connection with the Agreement or Provider that Citi reasonably
concludes could harm Citi's business or reputation.

        C. Upon termination of this Agreement, the terms of the governing
Program Exhibit(s) shall control the termination of the Programs with respect to
such matters as, any extension or renewal of Participating Cardmember Program
memberships, transfer of Participating Cardmembers to other programs, continuing

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provision of Services by Provider, return to each party of Confidential
Information belonging to the other party, notification to Cardmembers, and/or
disposition of Marketing Materials.

ARTICLE XII.     PROPRIETARY RIGHTS

        A. Provider acknowledges Citi's exclusive proprietary interest in and
rights to all Citi logos, trademarks, trade names, service marks and branding
"look and feel;" any unique logo, trademark, trade name or service mark that may
be created for a Program; and the signatures of Citi officers and employees that
may be used in Marketing Materials ("Citi Marks"). Citi hereby grants Provider a
limited license to use Citi Marks solely to promote the Program, provided
Provider complies with the requirements set forth in Attachment A and obtains
Citi's approval, in writing, prior to any such use. Provider recognizes and
acknowledges that it acquires no right in or to Citi Marks. Citi may, at its
sole discretion, deny or limit Provider's use of Citi Marks.

        B. Except as otherwise set out in a Program Exhibit, any Marketing
Materials, fulfillment or other materials that Provider creates, produces and
prepares in connection with the Agreement shall remain the property of Provider
except for any Citi Marks, and any marks specifically identified in the Program
Exhibit as created exclusively for Citi, which shall remain the sole property of
Citi.

        C. Citi recognizes and acknowledges that to the extent Provider is
providing Marketing Materials for Programs that are also provided by Provider to
third parties, the logos, trademarks, trade names and service marks developed by
Provider and associated with such Programs may be marks generally used by
Provider in its other businesses. To the extent any such mark is not
specifically identified as being created for Citi in the Program Exhibit,
Provider shall retain any rights it may have to such marks. Notwithstanding the
foregoing, nothing contained herein shall give Provider any rights in Citi
Marks.

        D. Unless necessary for the performance of Services or as may be
required by law, Provider shall not use Citi's name or the name of a Citi
affiliate in any sales publication or advertisement or make any public statement
or respond to any third-party inquiry relating to Citi or its affiliates without
obtaining Citi's prior written consent.

ARTICLE XIII.    CONTINGENCY PLANS; DISASTER RECOVERY

        To ensure that there is no disruption of operations with respect to the
Services to be provided by Provider hereunder, Provider agrees to obtain Citi's
prior written approval for, have in place, and implement when necessary, a
contingency plan for business continuity, and if necessary for business
resumption and recovery with

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specific time frames, that (i) meet Citi's needs, as determined by Citi within
its sole discretion, and (ii) will enable Provider to continue operations in the
event of a significant disturbance in its normal operations. Provider shall also
obtain Citi's prior written approval for, have in place, and implement when
necessary a disaster recovery plan to ensure that duplicate copies of all data
relating to the Services and each Program provided by Provider are stored in a
secure manner in a remote location and can be retrieved in the event that a
disaster disrupts Provider's operations. Provider shall update the contingency
and disaster recovery plans, as necessary, including with respect to any new
Program provided by Provider. Provider agrees to conduct full tests of the
approved plans at least once each year and to provide to Citi, in a format
acceptable to Citi, written reports of the results of such tests.

ARTICLE XIV.     REPRESENTATIONS, WARRANTIES, AND COVENANTS

        A. Provider represents, warrants and covenants that:

           (1) it has the authority to enter into and perform this Agreement
according to its terms and conditions.

           (2) each representative who executes a Program Exhibit has the
authority to do so and to bind Provider to all of its terms;

           (3) it shall comply with all applicable laws, rules, and regulations
including, but not limited to, all applicable consumer protection laws and
regulations, in the performance of Services, and shall promptly advise Citi in
the event of new or modified regulatory and statutory requirements that may
necessitate a change in the Services or the manner in which Provider solicits or
provides the Services and shall comply with such new and modified requirements
in a timely manner;

           (4) it shall obtain all necessary consents and authorizations prior
to providing Services;

           (5) it shall not use any Marketing Materials to offer a Program to a
Cardmember without Citi's prior review and written approval of such Marketing
Materials;

           (6) it shall provide to Participating Cardmembers the Services in
accordance with the provisions of this Agreement and the Marketing Materials
approved by Citi;

           (7) all Marketing Materials prepared or provided by Provider in
connection with this Agreement are and shall be true, fair, accurate, and
complete, and not deceptive under applicable state laws and regulations;

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           (8) all descriptions of Programs contained in Marketing Materials
shall be substantiated to Citi's satisfaction under commercially reasonable
standards of due diligence as being materially accurate and complete, and, upon
Citi's request, Provider shall deliver to Citi within two (2) business days
full, accurate and fair substantiation of each claim made in Marketing Materials
used or proposed for use in connection with any approved or proposed Program;

           (9) it shall not charge or attempt to charge a Cardmember's account
for the purchase of any Program without first obtaining the Cardmember's express
authorization of such purchase and payment, and it shall retain, for a period of
not less than two (2) years, a record in the format required by Attachment A and
readily available to Citi of each Cardmember's authorization of each such
purchase and payment;

           (10) between thirty (30) and sixty (60) days before the date on which
it intends to charge a Cardmember's account for any automatic renewal of a
membership Program with a term of six months or more, (but not in the case of
any membership Program billed on a monthly basis) it shall send to the
Cardmember a renewal notice that complies with the applicable requirements set
forth in Attachment A;

           (11) none of the names, marks, content or graphics used in connection
with each Program and the Services, or any Marketing Materials created or used
by Provider pursuant to this Agreement, infringe on the intellectual property
(including trademark, copyright and patent) rights of any party or give rise to
any founded claims based on such rights or rights based on other laws, whether
statutory or under common law (including tort, contract, and advertising law);
provided, however, the foregoing does not apply to any alleged infringement or
claim arising from the Citi Marks, any other trademark or service mark
designated for exclusive use by Citi in accordance with the Program Exhibit or
other materials (in printed, digital or other medium) provided by Citi;

           (12) it and any approved subcontractor or agent shall conduct an
annual security survey based on which it shall revise the Vendor Information
Sheet and Security Audit Questionnaire at least once each year, for retention by
the Provider and submission to Citi upon its request; and

           (13) it shall calculate, report, and remit all sales, use, excise, or
similar taxes related to each Program, and shall be solely liable for any taxes,
penalties, or interest that may be imposed due to Provider's failure to timely
file returns or deposit appropriate taxes of any nature whatsoever; and

           (14) while any Program under this Agreement is in effect and for a
period of six (6) months after the discontinuation of all Programs under this
Agreement, it shall not hire or solicit the employment of any person whom Citi
employed who was involved in Citi's relationship with Provider with
responsibilities

                                       13
<PAGE>

for program management, implementation of marketing programs,
analysis of marketing results, processing and administration of accounts and
other comparable functions during the period of this Agreement or during the
six-month period preceding the Effective Date.

        B. Citi represents, warrants and covenants that:

           (1) it has the authority to enter into and perform this Agreement
according to its terms and conditions.

           (2) each representative who executes a Program Exhibit has the
authority to do so and to bind the designated Citi entity to all of its terms;

           (3) it shall comply with all applicable laws, rules, and regulations
in connection with its responsibilities and activities hereunder;

           (4) it shall obtain any necessary consents and authorizations prior
to performing such responsibilities; and

           (5) the Citi Marks, and any other trademark or service mark
designated for exclusive use by Citi in accordance with the Program Exhibit, and
any other materials (in printed, digital or other medium) provided by Citi,
shall not infringe on the trademarks, copyright or patent rights of any party or
give rise to any founded claims based upon such rights; and

           (6) it shall not make any representation, warranty or other statement
regarding the Program not stated or made in the Marketing Materials or
inconsistent with the statements made therein.

ARTICLE XV.      INDEMNIFICATION

        A. Provider shall hold Citi, its corporate affiliates, and their
respective officers, directors, employees, and agents harmless from and
indemnify them against any and all claims, suits or proceedings, liabilities,
losses, damages and expenses whatsoever, including reasonable attorneys' and
experts' fees (including all fees incurred by Citi under Paragraph XV.B. below),
arising out of or in connection with:

           (1) Any claim, regardless of the merits, by a third party, including
any Cardmember or government agency, with respect to a Program or Services under
this Agreement, including any claim that:

           (a) the provision of or failure to provide any Service by
           Provider (or any of its subcontractors and agents), including
           any claim regarding the quality or value of such Service or
           asserting product liability, wrongful death, personal injury, or
           damage to property, or

                                       14
<PAGE>

           (b) Marketing Materials (including elements thereof) or
           communications prepared, provided or distributed by Provider, or
           the provision by Provider of any Service or benefit to Citi or
           Cardmembers,

violates any right or property interest of a Cardmember or any third party,
including any such right or property interest based upon principles of tort,
patent, copyright, defamation, privacy, plagiarism, piracy, trademark, trade
secret, or consumer protection law, notwithstanding that Citi may have approved,
modified and/or disseminated such Marketing Materials, communications or other
Services, but only to the extent that claims under this Paragraphs XV.A are not
the subject of a final judgment confirming a finding of gross negligence or
willful misconduct on the part of Citi.

           (2) A breach by Provider of any representation, warranty or covenant,
including those set out in this Agreement and those made by Provider to Citi or
Cardmembers.

           (3) Any violation by Provider or any subcontractor or agent of
Provider of federal, state or local laws or regulations applicable to Provider's
activities in connection with this Agreement or its business relationship with
Citi;

        B. Provider shall afford Citi the opportunity to defend or participate
in the defense of any claim that would be eligible to be indemnified by Provider
hereunder. Costs of such defense (including lawyers' and experts' fees,
commensurate with the amounts incurred by Citi in comparable litigation) shall
be paid by Provider under this Article XV. Citi shall confer with Provider
during the course of such litigation regarding strategy and costs. In the event
that Citi elects to defend independently any claim eligible for indemnification
hereunder, Citi shall allow Provider to participate in the defense, which shall
be at Citi's direction. Citi shall inform Provider of any settlement proposal
that Citi may receive and Citi shall exercise reasonable good faith judgment in
determining whether and on what terms to accept any proposed settlement of a
claim that it elects to defend. Neither party shall enter into any settlement of
such claim that imposes any obligation upon the other party without that other
party's consent, which shall not be unreasonably withheld or delayed.

        C. Citi shall hold Provider, its corporate affiliates, and their
respective officers, directors, employees, and agents harmless from and
indemnify them against any and all claims, suits or proceedings, liabilities,
losses, damages and expenses whatsoever, including reasonable attorneys' and
experts' fees (including fees incurred under Paragraph XV.D. below), arising out
of or in connection with:

           (1) Any claim by a third party, including any Cardmember, regardless
of the merits, arising out of Citi's breach of its obligations under this
Agreement, but only

                                       15
<PAGE>
where such claim does not include allegations of actions by Provider that would
constitute a breach of this Agreement;

           (2) Any claim by a third party, regardless of the merits, that any of
Citi Marks appearing on Marketing Materials, any other trademark or service mark
designated for exclusive use by Citi in accordance with the Program Exhibit, or
any other material (in printed, digital or other medium) provided by Citi
violates any right or property interest of such third party.

           (3) A breach by Citi of any representation, warranty or covenant set
out in this Agreement; and

           (4) Any violation by Citi of federal, state or local laws or
regulations applicable to Citi's activities in connection with this Agreement or
its business relationship with Provider.

        D. Citi shall afford Provider the opportunity to participate in the
defense of any claim that would be eligible to be indemnified by Citi hereunder.
Costs of such defense (including lawyers' and experts' fees commensurate with
the amounts incurred by Citi in comparable litigation) shall be paid by Citi
under this Article XV. Provider shall confer with Citi during the course of such
litigation regarding strategy and costs. In the event that Provider elects to
defend independently any claim eligible for indemnification hereunder, Provider
shall allow Citi to participate in the defense, which shall be at Provider's
direction. Provider shall inform Citi of any settlement proposal that Provider
may receive and Provider shall exercise reasonable good faith judgment in
determining whether and on what terms to accept any proposed settlement of a
claim that it elects to defend. Neither party shall enter into any settlement of
such claim that imposes any obligation upon the other party without that other
party's consent, which shall not be unreasonably withheld or delayed.

        E. Except with respect to indemnification of claims by third parties
under this Article XV, or unauthorized use of the other party's Confidential
Information or intellectual property, in no event will either party be liable to
the other for any indirect, exemplary, punitive, special or consequential
damages, including without limitation lost profits, even if the breaching party
had been advised of the possibility of such damages.

ARTICLE XVI.     INDEPENDENT CONTRACTOR

        Provider shall perform the Services as an independent contractor, and
nothing contained in this Agreement or otherwise shall be deemed to create any
employment relationship, partnership, or joint venture between Provider and
Citi. Provider acknowledges that Services performed are solely within its
control, and neither Provider nor any of its employees will hold itself out as
anything but an independent contractor to Citi.

                                       16
<PAGE>

ARTICLE XVII.    INSURANCE

        Provider shall obtain and maintain for such time period as set out in
the Program Exhibit(s) all insurance coverage required by federal or state law,
including, without limitation, workers' compensation and disability insurance.
Except as otherwise set out on the Program Exhibit(s), Provider shall maintain
the following minimum insurance coverage: (a) commercial general liability
insurance in the minimum amount of $1,000,000.00 per occurrence and
$2,000,000.00 aggregate, including broad form contractual liability, and broad
form vendor's coverage; (b) worker's compensation in statutory limits required
for each state in which Provider shall operate under the terms of this
Agreement; (c) employer's liability coverage of at least $1,000,000.00 per
occurrence; and (d) fidelity bond coverage of at least $1,000,000.00 per loss,
protecting against employee dishonesty, theft, robbery, forgery and altered
documents. Such insurance shall include as a loss payee, as their interest may
appear, the Citi entity named on the relevant Program Exhibit and its parent
corporation and all affiliated, associated and subsidiary companies, for any
insurable losses incurred by Citi related to the provisions of this Agreement.
Provider shall furnish Citi with certificate(s) of insurance evidencing such
coverages, naming the Citi entity identified on the governing Program Exhibit an
additional insured under each such policy of insurance, and requiring any
insurer that provides any coverage hereunder to notify Citi at least thirty (30)
days prior to cancellation or a change in coverage that would materially affect
Citi's coverage as loss payee or additional insured.

ARTICLE XVIII.   ASSIGNMENT

        This Agreement and its obligations may not be assigned by either party
except upon written consent of the other party, provided, however, this Article
XVIII. shall not preclude Citi from assigning rights and obligations under this
Agreement among its affiliates, with respect to which Citi shall have full
discretion.

ARTICLE XIX.     WAIVER; SEVERABILITY

        A. A failure or delay of either party to enforce any of the provisions
of this Agreement may in no way be construed to be a waiver of such or any other
provision.

                                       17
<PAGE>

        B. Any provision of this Agreement that is invalid, illegal or
unenforceable for any reason shall be ineffective only to the extent of such
invalidity, illegality or unenforceability, without affecting in any way the
remaining provisions or rendering any other provision of this Agreement invalid,
illegal or unenforceable.

ARTICLE XX.      CHOICE OF LAW; JURISDICTION; WAIVER OF JURY TRIAL

        This Agreement and the respective rights and obligations of the parties
shall be governed by the laws of the State of South Dakota, without regard to
principles of conflicts of laws (whether South Dakota or any other
jurisdiction). Provider and Citi waive the right to a trial by jury in any
proceeding brought against the other with respect to this Agreement or
Provider's Services in connection with any Program.

ARTICLE XXI.     REMEDIES NOT EXCLUSIVE

        The remedies set out in this Agreement are not exclusive, and are in
addition to all other remedies that may be available to the parties under
governing law.

ARTICLE XXII.    SURVIVAL OF AGREEMENT TERMS

        The provisions of Articles VIII, XI.C, XII, XIV, and XV shall survive
any termination of this Agreement and shall continue in full force and effect.
In addition, in the event of any permitted extension or renewal of Program
memberships (pursuant to the terms of a governing Program Exhibit, as set forth
in Paragraph XI.C.) after termination of this Agreement, then the provisions of
this Agreement and the governing Program Exhibit, which by their terms are meant
to survive, including but not limited to Articles II, III, IV, V, IX, XIII, XVI,
and XVII of this Agreement, shall also survive and continue in full force and
effect.

ARTICLE XXIII.   NOTICES

        Any notice or communication required under this Agreement will be
effective when received and sufficient if given in writing and delivered by
certified mail, registered mail or by an overnight delivery service of general
commercial use (such as United States Postal Service, United Parcel Service,
Federal Express, or Airborne) addressed as follows:
     To Citi:              Citicorp Credit Services, Inc.
                           One Court Square
                           Long Island City, New York 11120
                           Attention:  Director, Revenue Services

                                       18
<PAGE>

     With a copy to:       Citicorp Credit Services, Inc.
                           One Court Square - 41st Floor
                           Long Island City, New York 11120
                           Attention: Muriel Reynard, Esq.

     To Provider:          Ken Schwarz, COO
                           Intersections, Inc.
                           14930 Bogle Drive
                           Chantilly, VA 20151

     With a copy to:       Sue Houk, SVP, Client Services
                           Intersections, Inc.
                           14930 Bogle Drive
                           Chantilly, VA 20151

or to such other person or address as any such party may designate by notice
duly given to the other party as provided herein. Such notice or communication
shall be deemed to have been given upon the date of receipt.

ARTICLE XXIV.    REGULATORY AND CREDIT REPORTING AGENCY REQUIREMENTS

        A. With respect to any provision of this Agreement that specifically
requires that Provider modify a Program, the Services or the Marketing Materials
as directed by Citi, or refrain from making such modification without Citi's
consent, Provider is not prohibited from making or refraining from making, as
applicable, the modification to the extent required by law, regulation court
order, or order or pronouncement of a government agency with appropriate
jurisdiction. Provider shall, however, give Citi prior written notice that
Provider is making or refraining from making, as applicable, the modification,
with the reason therefor, and Citi may then terminate this Agreement upon thirty
(30) days prior written notice.

        B. If a Credit Reporting Agency demands that Provider comply with a
requirement that it may impose as a condition of Provider's furnishing the
Program or Services, and such requirement conflicts with the provisions of this
Agreement, the parties shall make a reasonable effort to resolve the conflict.

ARTICLE XXV.     ENTIRE AGREEMENT; CONFLICTS; AMENDMENT

                                       19
<PAGE>

        A. This Agreement, together with the attached Program Exhibit(s), and
Attachments, constitutes the entire Agreement between Citi and Provider with
respect to the subject matters addressed herein and supersedes and replaces all
previous agreements between the parties and their predecessors with respect to
the subject matter hereof.

        B. In the event of any conflict between terms set out in the Articles of
this Agreement and an individual Program Exhibit, the provisions of the Program
Exhibit shall be controlling.

C.      This Agreement is and shall be binding upon and inure to the benefit
of both parties and their respective legal representatives, successors, and
permitted assigns and may not be changed or modified except in a writing signed
by both parties.

CITIBANK (SOUTH DAKOTA), N.A.       INTERSECTIONS, INC.

By:      _____________________      By:          ________________________

Name:    _____________________      Name:        ________________________

Title:   _____________________      Title:       ________________________

CITIBANK USA, N.A.                               CITICORP CREDIT SERVICES, INC.

By:      _____________________      By:          ________________________

Name:    _____________________      Name:       ________________________

Title:   _____________________      Title:      ________________________

                                       20<PAGE>

                                                                    EXHIBIT 10.6

INFORMATION FOR WHICH CONFIDENTIAL TREATMENT HAS BEEN REQUESTED PURSUANT TO RULE
406 OF THE SECURITIES ACT OF 1933, AS AMENDED, IS OMITTED AND IS NOTED WITH **.
A COPY OF THIS AGREEMENT, INCLUDING ALL INFORMATION FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION.

         THIS AGREEMENT, made this 7 day of April, 1997, by and between Equifax
Credit Information Services, Inc., a Georgia corporation, with its principal
place of business at 1600 Peachtree Street, NW, Atlanta, Georgia 30309
("Equifax"), Digital Matrix Systems ("Processor") and CreditComm Services, LLC,
a financial information service of Loeb Holding Corporation, New York, with its
principal place of business at 2700 Prosperity Avenue, Suite 100, Prosperity
Business Campus, Fairfax, VA 22031 ("CreditComm").

                                   WITNESSETH:

         WHEREAS, CreditComm and/or Processor ("CreditComm/Processor") has the
computer capability to combine the separate automated credit reporting files
from different credit reporting entities into one credit report which is
provided to the consumer subject of the report information, and is called
CreditComm's CreditCompare ("CreditCompare"); and

         WHEREAS, CreditComm/Processor has the computer capability to perform
credit monitoring services ("Credit Monitoring") by comparing current consumer
credit information to a previous report and providing its subscribers with a
list of certain new information appearing in that consumer's credit file; and

         WHEREAS, Processor will perform certain data processing services as an
agent of CreditComm; and

         WHEREAS, Equifax publishes and distributes individual consumer credit
report information known as "Equifax credit information;" and

         WHEREAS, CreditComm desires, and Equifax agrees, to allow CreditComm to
make Equifax credit information available to consumers under certain
circumstances, as part of CreditComm's CreditCompare and Credit Monitoring
Services.

         NOW, THEREFORE, in consideration of the premises and of these mutual
covenants and agreements, the parties agree as follows:

1.       Provision of Equifax Credit Information.

         1.1      Subject to the terms and conditions of this Agreement, on a
                  non-exclusive basis, Equifax authorizes CreditComm to access
                  and provide Equifax credit information, as available, directly
                  to the individual consumer to whom the Equifax credit
                  information relates ("Consumer Subject"), as part of
                  CreditComm/Processor's CreditCompare and Credit Monitoring
                  services under the following terms and conditions:

                  (A)      Pursuant to:

                           (i)      the written instructions of the Consumer
                                    Subject that were provided to CreditComm by
                                    the Consumer Subject;

         1.2      (A)      CreditComm will use reasonable procedures to properly
                           identify the Consumer Subject of the CreditCompare or
                           Credit Monitoring Report.

                  (B)      CreditComm/Processor will not provide, either
                           directly or indirectly, the CreditCompare. Credit
                           Monitoring report, or the Equifax credit information
                           accessed for a CreditCompare, or a Credit Monitoring
                           report, to any Creditor, but is only authorized to
                           provide the CreditCompare or Credit Monitoring report
                           to the Consumer Subject.

         1.3      Equifax reserves the right in its sole discretion to deny
                  access to Equifax credit information for the Consumer Subjects
                  of certain Creditors, even though otherwise "qualified."
                  CreditComm and Processor release Equifax from any and all
                  claims, demands, actions, costs, damages.

<PAGE>

                  expenses, compensation, penalties, liabilities and obligations
                  of any kind arising out of or relating to such a denial.
                  Further, CreditComm and Processor covenant not to sue or
                  maintain any claim, cause of action, demand, cross-action,
                  counterclaim, third-party action or other form of pleading
                  against Equifax rising out of or relating to such a denial.

         1.4      CreditComm and Processor will establish strict procedures so
                  that CreditComm's employees or agents do not access Equifax
                  credit information except as set forth in Paragraphs 1.1 and
                  1.2 above.

         1.5      (A)      In relaying any and all Equifax credit information to
                           Consumer Subjects, CreditComm shall, in all
                           instances, faithfully, fully and completely transmit
                           the Equifax credit information as part of its
                           CreditCompare and Credit Monitoring services and
                           include the date the information was last checked or
                           revised by Equifax and the full name and mailing
                           address of the Equifax office identified by Equifax
                           as providing the Equifax credit information.

                  (B)      CreditComm and Processor will not maintain, sell,
                           copy, allow to be copied, capture, merge the
                           Information with, nor allow it to become a part of, a
                           list of any kind from any other source, including any
                           information received from Equifax in connection with
                           any other project, or otherwise retain in any manner,
                           in whole or in part, any Equifax credit information
                           provided to CreditComm, Processor, Creditors or
                           Consumer Subjects; except that CreditComm may capture
                           and retain that information and the date and time of
                           inquiries solely for the purposes of (a) audit trail;
                           (b) calculation of the amount of usage of Equifax
                           credit information and provision of specifics
                           relating to that usage to Consumer Subjects; (c)
                           billing, and (d) in connection with its consumer
                           disclosure responsibilities. In no event may the
                           Equifax credit information retained by CreditComm be
                           used for future reporting purposes.

                  (C)      In connection with the CreditComm Monitoring service,
                           Processor may maintain Equifax Information for a
                           maximum of forty (40) days from the date received, if
                           the monitoring service is performed on a monthly
                           basis; if performed on a quarterly basis, Processor
                           may maintain Equifax Information for a maximum of one
                           hundred (100) days from the date received. Processor
                           must either return the data to Equifax or completely
                           purge the data in its entirety from any and all DMS
                           systems, processors, platforms, programs, files, or
                           CPU's. This data purge must be pre-programmed and
                           occur no later than the specified maximum storage
                           date of 40 or 100 days. Processor agrees to notify
                           Equifax in writing how such data will be
                           pre-programmed for destruction (prior to execution of
                           said Agreement).

         1.6      Within ten days of the signing of this Agreement, CreditComm
                  will provide to Equifax in writing CreditComm's policies and
                  procedures for answering questions from consumers about
                  Equifax credit information. CreditComm will be the first point
                  of contact for inquiries from consumers following disclosure
                  of their information. However, Equifax credit information in
                  the CreditCompare and Credit Monitoring services that is
                  disputed to CreditComm by the consumer will be referred to the
                  Equifax office that is the source of that information for
                  reinvestigation.

         1.7      (A)      In connection with CreditCompare, CreditComm/
                           Processors' requests for Equifax credit information
                           for CreditCompare will normally be by way of direct
                           computer system-to-system access through Equifax's
                           Automated Delivery Services unit. However,
                           CreditComm/Processor owns or leases remote
                           terminal(s), and those terminal(s) will be operated
                           only by certain of its employees trained by Equifax.
                           At least two of CreditComm's employees will be so
                           trained by Equifax prior to receiving Equifax credit

<PAGE>

                           information, and at least two trained operators will
                           be available to operate the terminal(s) during the
                           term of this Agreement.

                  (B)      CreditComm/Processor will take all necessary measures
                           to prevent unauthorized system-to-system access and
                           unauthorized use of the terminal(s) by any person
                           other than designated operators, and will establish
                           and enforce policies forbidding its employees to
                           obtain information on themselves or associates.

                  (C)      With regard to the operation of the system-to-system
                           access or the terminal(s), Equifax is not liable for
                           transmission distortion, interruptions or failure or
                           for any resulting consequential or special damages
                           whatsoever.

         1.8      In connection with the Credit Monitoring service, Equifax or
                  CreditComm will provide Processor with computer tapes of names
                  and addresses of individuals who have subscribed in writing to
                  CreditComm's Credit Monitoring service. Equifax will deliver
                  Equifax credit information about those individuals to
                  Processor. The Equifax credit information will remain the sole
                  property of Equifax and is to be used only as directed by
                  CreditComm and Equifax for the specific purpose of providing
                  CreditComm's Credit Monitoring program and for no other
                  purpose. Processor will process the computer tapes received
                  from Equifax pursuant to instructions of CreditComm and
                  Equifax.

         1.9      CreditComm will pay Equifax promptly for all Equifax credit
                  Information requested by CreditComm on behalf of Consumer
                  Subjects according to the then-current rate schedule of cash
                  prices for these services. In addition, CreditComm will pay
                  Equifax for any applicable taxes, charges for any special
                  telephone services or any other special services rendered by
                  Equifax. The prices are volume driven as provided on Addendum
                  "A" and Addendum "B" attached to this Agreement, which
                  schedules may be adjusted by Equifax upon thirty days notice
                  to CreditComm. CreditComm will pay Equifax an annual minimum
                  billing of $100,000, payable in equal monthly installments,
                  for credit files sold to CreditComm. CreditComm may select a
                  higher annual minimum to achieve a lower per unit cost. The
                  parties will review CreditComm's actual volume every six
                  months and the prices will be adjusted to reflect the actual
                  volume.

2.       PROMOTION AND TRAINING.

         2.1      Prior to its publication and release, Equifax must review and
                  approve all CreditComm-created advertising, marketing and
                  promotional material that describes Equifax credit information
                  or which refers to the nature or capabilities of Equifax or
                  Equifax credit information, or otherwise mentions or refers to
                  Equifax by name. This includes samples of the products
                  CreditComm will deliver to consumers which will contain
                  Equifax information. Further, prior to its publication and
                  release, Equifax must review and approve all advertising,
                  marketing and promotional material regarding Equifax credit
                  information that CreditComm proposes to provide to Creditors
                  and consumers; and that Creditors propose to provide to
                  consumers regarding the CreditCompare and Credit Monitoring
                  services. Equifax will be provided a minimum of ten business
                  days in which to review and approve advertising, marketing and
                  promotional material.

3.       RIGHT TO CONDUCT TECHNICAL REVIEWS AND AUDITS.

         3.1      Equifax may conduct technical reviews of CreditComm/
                  Processor's procedures to analyze how Equifax credit
                  information is merged, re-formatted or re-packaged in the
                  CreditCompare and Credit Monitoring services. Further, Equifax
                  may conduct reasonable audits of the procedures and practices
                  of CreditComm and Creditors in connection with the compliance
                  by each of them with their respective obligations and
                  responsibilities under this Agreement. Further, Equifax may
                  immediately suspend CreditComm's rights of access to, and use
                  of, Equifax credit information

<PAGE>

                  if it comes to Equifax' attention that CreditComm, Processor
                  or any Creditor, is not in compliance with its respective
                  obligations in connection with the access and use of Equifax
                  credit information. In that event, Equifax will immediately
                  notify CreditComm of those circumstances.

         3.2      CreditComm will, at its expense and as reasonably requested by
                  Equifax from time to time, contract with an independent
                  marketing research firm to research, determine and monitor the
                  perceptions of consumers regarding CreditComm's CreditCompare
                  and Credit Monitoring services. The results of each such study
                  will be provided directly to Equifax by the independent
                  marketing research firm.

4.       Release and Covenant With Respect to Accuracy of Equifax Credit
         Information.

         CreditComm and Processor recognize that the accuracy of any information
         furnished is not guaranteed by Equifax, and CreditComm and Processor
         release Equifax and Equifax' parent, sister, and affiliated companies,
         and its and their officers, agents, employees and independent
         contractors from any liability for any negligence in connection with
         the preparation of Equifax credit information and from any loss or
         expense suffered by CreditComm. Processor, Creditors or Consumer
         Subjects or others resulting directly or indirectly from Equifax credit
         information. CreditComm, and on behalf of Processor and Creditors,
         covenants not to sue or maintain any claim, cause of action, demand,
         cross-action, counterclaim, third-party action or other form of
         pleading against Equifax, Equifax' parent, sister, and affiliated
         companies, and its and their officers, agents, employees and
         independent contractors arising out of or relating in any way to the
         accuracy or inaccuracy, validity or non-validity, of any of the Equifax
         credit information.

5.       Disclaimer of Warranties.

         Equifax makes no representations, warranties or guarantees, express or
         implied, other than those expressed in this Agreement. EXCEPT AS
         EXPRESSLY STATED IN THIS AGREEMENT, EQUIFAX MAKES AND THERE ARE NO
         WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE
         IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR
         PURPOSE, RESPECTING THE EQUIFAX AUTOMATED CREDIT REPORTING SYSTEM
         (ACROPAC SYSTEM(TM)) OR ANY OTHER MACHINERY, EQUIPMENT, MATERIALS,
         PROGRAMMING AIDS OR OTHER ITEMS UTILIZED BY CREDITCOMM IN CONNECTION
         WITH OR RELATED TO, OR RESPECTING THE ACCURACY OF ANY EQUIFAX CREDIT
         INFORMATION FURNISHED BY EQUIFAX TO CREDITCOMM OR TO ANY OR ANY
         THIRD-PARTY MARKETERS, CREDITORS OR CONSUMER SUBJECTS.

6.       Indemnification by CreditComm.

         CreditComm and Processor will indemnify and hold harmless Equifax,
         Equifax's parent, sister and affiliated companies, and its and their
         directors, officers, employees, agents, independent contractors,
         successors and assigns, from and against and with respect to any and
         all liabilities, claims, losses, demands, actions, causes of action,
         damages, expenses (including, without limitation, attorneys' fees and
         costs of litigation), or liability, arising from or in any manner
         related to any claim, demand or suit, whether or not meritorious,
         brought or asserted by any third party in any way arising out of any
         actual or alleged negligence or intentional act of CreditComm or
         Processor, whether or not any negligence of Equifax is alleged to have
         been contributory thereto, the failure of CreditComm to duly and fully
         perform its obligations under this Agreement, the failure of CreditComm
         or Processor to insure the provision of reliable and accurate Equifax
         credit information, misuse of or improper access to, Equifax credit
         information by CreditComm or Processor, Third-Party Marketers or
         Creditors or the failure of CreditComm or Processor to comply with
         applicable laws or regulations.

<PAGE>

7.       Confidentiality.

         CreditComm and Processor acknowledge that Equifax owns an automated
         credit reporting system (ACROPAC System(TM)) and all interests,
         programs, codes, software documentation or other appurtenances related
         to it or derived from it. CreditComm and Processor further acknowledge
         that the ACROPAC System(TM) and any codes, procedures or ACROPAC
         System(TM) documentation are confidential and proprietary to Equifax.
         During the term of this Agreement and thereafter, CreditComm and
         Processor will maintain, and will cause its directors, officers,
         employees and agents to maintain, in strict confidence, and not to
         disclose, except as expressly permitted by this Agreement, to any other
         person or entity, any such information, including Equifax credit
         information, materials and know-how as may be provided to CreditComm or
         Processor by Equifax during the term of this Agreement, and to take
         necessary actions to protect against disclosure thereof. CreditComm and
         Processor will not make use of any such information, including Equifax
         credit information, materials and know-how whatsoever except solely for
         the purpose of this Agreement, in accordance with the terms and during
         the existence of this Agreement. Upon the termination of this
         Agreement, CreditComm and Processor will return to Equifax all manuals,
         materials and documents pertaining to Equifax or the ACROPAC System
         (TM) obtained from Equifax during the term of this Agreement, and all
         copies and partial copies thereof.

8.       Relationship of Parties.

         The parties to this Agreement are each independent contractors and
         nothing contained in this Agreement will be construed as creating a
         joint venture, partnership, licensor-licensee, principal-agent or
         mutual agency relationship between or among the parties and no party
         will, by virtue of this Agreement, have any right or power to create
         any obligation, express or implied, on behalf of any other party. No
         party, nor any employee of a party, will be deemed to be an employee of
         another party by virtue of this Agreement. The parties acknowledge that
         the services provided by Equifax are not provided on an exclusive basis
         and that Equifax may provide similar services to other parties or may
         itself provide services similar to those provided by CreditComm and
         Processor.

9.       No Third-Party Benefits.

         Equifax and CreditComm acknowledge and intend that this Agreement was
         entered into solely for the respective benefit of each of them and
         their respective successors and assigns and nothing in this Agreement
         will be construed as giving any person, firm, corporation or other
         entity (including, without limitation to the foregoing, any Processor,
         or Consumer Subject), other than the parties to this Agreement and
         their respective successors and permitted assigns, any right, remedy or
         claim under or in respect of this Agreement or any provision of it.

10.      Assignment.

         The parties acknowledge the special and unique purposes of this
         Agreement and, therefore, notwithstanding any other provisions to the
         contrary contained in this Agreement, neither this Agreement nor any of
         the rights or obligations in it will be assignable by CreditComm
         without the prior written consent of Equifax. which consent shall not
         be unreasonably withheld (taking into account the nature of the
         services provided under this Agreement, the economic or other interests
         of Equifax, competitive effects, any circumstances which may affect the
         performance of this Agreement, the protection of sensitive or
         proprietary commercial information, the operations and integrity of the
         ACROPAC System(TM), the protection of data in the ACROPAC System(TM)
         and the interests of other entities utilizing that System). Any
         dissolution, merger, consolidation or other reorganization of
         CreditComm, the sale or other transfer of all or substantially all of
         the assets or properties of CreditComm or the sale or other transfer of
         a

<PAGE>

         controlling percentage of the corporate stock of CreditComm, will
         constitute an assignment of this Agreement for all purposes of this
         Paragraph 10. The term "controlling percentage" for the purposes of
         this Paragraph 10 means the ownership of stock possessing, and of the
         right to exercise, at least 50% of the total combined voting power of
         any class or all classes of stock of such a party, issued, outstanding
         and entitled to vote for the election of directors, whether such
         ownership be direct ownership or indirect ownership.

11.      Force Majeure.

         Notwithstanding any provisions to the contrary contained in this
         Agreement, no party to this Agreement will be liable to the other party
         for any delay or interruption in performance as to any obligation under
         this Agreement resulting from governmental emergency orders, judicial
         or governmental action, emergency regulations, sabotage, riots,
         vandalism, labor strikes, or disputes, acts of God, fires, electrical
         failure, major computer hardware or software failures, equipment
         delivery delays, acts of third parties, or any other cause, if such
         delay or interruption in performance is beyond its reasonable control.

12.      Contact Persons.

         Each party to this Agreement will designate one person within its
         organization that is responsible for the relationship between the
         parties and for compliance with the terms and conditions of this
         Agreement.

         (a)      For CreditComm Services LLC:

                  Name :        Steve Goetzinger
                  Address:      CreditComm Services LLC
                                2700 Prosperity Ave, Suite 100
                                Fairfax, VA, 22031
                  Telephone:    703-207-1600

         (b)      For Equifax:

                  Name:         Lee D. Lovvom Sr.
                  Address:      Equifax Credit Information Services, Inc.
                                1600 Peachtree Street, NW
                                Post Office Box 4091
                                Atlanta, Georgia 30302
                  Telephone:    (404) 885-8787

         (c)      For Digital Matrix Systems:

                  Name:         David McGough
                  Address:

                  Telephone:

         Each party may, by notice given pursuant to Paragraph 13, change its
         designation to a person other than the person identified above.

<PAGE>

13.      Notices.

         All notices, requests, demands, and other communications under this
         Agreement will be in writing except as expressly stated in this
         Agreement, and will be deemed duly given when received upon delivery by
         hand or by certified mail, addressed as follows:

         (a)      If to CreditComm Services, LLC:

                  Name:         Steve Goetzinger
                  Address:      CreditComm Services LLC
                                2700 Prosperity Ave,Suite 100
                                Fairfax, VA, 22031
                  Telephone:    703-207-1600

         (b)      If to Equifax:

                  Equifax Credit Information Services. Inc.
                  1600 Peachtree Street. NW
                  Post Office Box 4091
                  Atlanta, Georgia 30302
                  Attention: Contract Administrator

         (c)      If to Digital Matrix Systems:

                  Name: David McGough
                  Address:

                  Telephone:

         The parties hereto may, by notice, designate any further or different
         addresses to which notices will be sent.

14.      Severability.

         If any provision of this Agreement is held invalid or unenforceable by
         any court of competent jurisdiction, such a holding will not invalidate
         or render unenforceable any other provision of this Agreement.

15.      Exhibits.

         All Exhibits attached to this Agreement are a part at this Agreement
         and are expressly incorporated into it. All blanks in the Exhibits, if
         any, will be completed as required in order to consummate the
         transactions contemplated and in accordance with this Agreement.

16.      Injunctive Relief.

         CreditComm and Processor acknowledge that use or disclosure of the
         information described by Paragraph 7 of this Agreement in a manner
         inconsistent with this Agreement will give rise to irreparable injury
         to Equifax which cannot be adequately compensated in damages, and that
         Equifax may seek and obtain equitable, injunctive relief to prevent or
         restrain the unauthorized use or disclosure, together with any other
         remedies which may be available to Equifax.

<PAGE>

17.      Use of Equifax Services.

         Equifax does not convey or transfer, nor does CreditComm, or any
         Processor, Third-Party Marketer or Creditor, obtain any right or
         interest in, any of the programs, systems, data, materials, or credit
         information utilized or provided by Equifax in the performance of this
         Agreement.

16.      Heading.

         The section and other headings in this Agreement are inserted solely as
         a matter of convenience for reference and are not a part at this
         Agreement.

19.      Governing Law.

         This Agreement will be governed by and construed in accordance with the
         laws of the State of Georgia.

20.      Waiver of Rights.

         Failure of any party to enforce any of its respective rights or
         remedies under this Agreement with respect to any specific act or
         failure to act of any party will not constitute a waiver of the rights
         of that party to enforce those rights and remedies with respect to any
         other or subsequent act or failure to act.

21.      Entire Agreement.

         This Agreement, including its Exhibits, constitutes the entire
         Agreement between the parties and supersedes and cancels any and all
         prior agreements between the parties relating to the subject matter of
         this Agreement. No changes in this Agreement may be made except in
         writing signed by both parties.

22.      Term and Termination.

         This Agreement is without a fixed term, and remains in force and effect
         until written notice of cancellation, for any or no reason, is given by
         either party at least 30 calendar days prior to the effective date of
         the cancellation. However, if CreditComm is delinquent in the payment
         of any charges due Equifax, or is in violation of any of the terms of
         this Agreement, then Equifax may, at its election, discontinue
         providing services to CreditComm and cancel this Agreement immediately
         by written notice to CreditComm. In the event of termination of this
         Agreement for any reason, the provisions at the foregoing paragraphs
         will remain in full force and effect as to all Equifax credit
         information which CreditComm has requested or received from Equifax
         prior to the date of cancellation.

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

<PAGE>

EQUIFAX CREDIT INFORMATION SERVICES, INC.
 ("Equifax")

By: _____________________________________________
               Name Printed & Title

    _____________________________________________
                  Name Signature

CREDITCOMM SERVICES, LLC
("Creditcomm")
By: _____________________________________________
                   Name Printed & Title

    _____________________________________________
                  Name Signature

 DIGITAL MATRIX SYSTEMS
("Processor")

By: _____________________________________________
               Name Printed & Title

    _____________________________________________
                  Name Signature

    _____________________________________________
                      Date

April 2, 1997

<PAGE>

             FIRST ADDENDUM TO AGREEMENT CONSUMER DISCLOSURE SERVICE
                AMONG EQUIFAX CREDIT INFORMATION SERVICES, INC.,
                 INTERSECTIONS INC. AND DIGITAL MATRIX SYSTEMS,

         This First Addendum (the "First Addendum") to the "Agreement Consumer
Disclosure Service" among Equifax Credit Information Services, Inc.,
Intersections Inc. and Digital Matrix Systems, _____ (the "Agreement") is
entered into as of the 30th day of March, 2001, among Equifax Credit Information
Services, Inc., a Georgia corporation, with its principal place of business at
1550 Peachtree Street, Atlanta, Georgia 30309 ("Equifax"), Intersections Inc., a
Delaware corporation, with its principal place of business at 14930 Bogle Drive,
Chantilly, Virginia 20151 ("Intersections") and Digital Matrix Systems, Inc, a
Texas corporation, with its principal place of business at 15301 Spectrum Drive,
2nd floor, Addison, Texas, 75001 ("Processor").

         WHEREAS, Equifax, CreditComm Services, LLC, and Processor entered into
the Agreement effective April 7, 1997, regulating the provision, access to, and
use of certain Equifax credit information and the resale of that information in
the form of "CreditCompare" and "Credit Monitoring" services to Consumer
Subjects, all on the terms and conditions set forth therein; and

         WHEREAS, CreditComm Services, LLC, reorganized and changed its name
effective August 24, 1999, to Intersections Inc., and Intersections is the
successor by operation of law to CreditComm Services, LLC;and

         WHEREAS, the parties desire to amend the Agreement to permit
Intersections to access and transmit Equifax credit information, as available,
to Consumer Subjects in the form of Intersections' CreditCompare and Credit
Monitoring services via the Internet, upon the terms and conditions hereinafter
set forth; and

         WHEREAS, other than amending the Agreement as set forth above, the
parties desire to reaffirm each of the terms and conditions of the Agreement.

         NOW, THEREFORE, in consideration of the premises and mutual covenants
set forth herein, and for other valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties agree as follows:

1.       RECITALS

         The recitals shall form a constituent part of this First Addendum.

2.       DEFINITIONS AND ADDITIONAL CONDITIONS

         All capitalized terms in this First Addendum which are not specifically
defined herein shall have the meaning set forth in the Agreement. For the
purposes of this First Addendum, the following additional terms have the
meanings, and shall be subject to the conditions, set forth below:

         (a)      "Electronic Signature" shall have the meaning set forth in
Section 106(5) of the Electronic Signatures in Global and National Commerce Act,
as adopted June 30, 2000, and codified at 15 U.S.C. Section 7001 et seq. (the
"Electronic Signatures Act"), and shall further mean for purposes hereof an
electronic or digital signature that fulfills the requirements of the Electronic
Signatures Act and the requirements of any state statute, regulation, or rule
which is exempted from preemption by the Electronic Signatures Act pursuant to
Section 102(a) of such Act, including without limitation, a state enactment or
adoption of the Uniform Electronic Transactions Act.

         (b)      "Internet" shall mean for purposes hereof, and be limited to,
the "World Wide Web," which is a global system of servers that support documents
formatted in HTML.

         (c)      "Mark(s)" shall mean any and all existing or future
trademarks, trade names or service marks owned or used by Equifax or any of its
affiliated companies. Any use by Intersections of the Marks shall be on and
subject to the terms of the nonexclusive license set forth in Exhibit "A,"
attached hereto and incorporated herein by reference.

         (d)      "Service Area" shall mean the United States of America, unless
such Service Area is modified by mutual agreement of the parties.
<PAGE>

                  (e)      "Web Site" shall mean the site owned and operated by
Intersections and accessible to users of the Internet under the domain name
"Intersections.com" and the collection of web pages at such Web Site, or such
other web site (and collection of web pages at such site) that fulfills each of
the following terms: (i) is (A) wholly owned by Intersections, or (B) a branded
site operated by Intersections for a third party without any right or ability of
web site data access by such third party, (ii) resides on the same
Intersections-owned network and system infrastructure as Intersections.com and
as certified by ICSA.net, (iii) utilizes the same Intersections-owned servers
and server configuration as Intersections.com, (iv) fulfills and is subject to
all of the requirements of this First Addendum, and (v) is listed on Exhibit "B"
attached hereto and made a part hereof.

3.       Internet Consumer Delivery Authorization

                  On and subject to the terms and conditions of this First
Addendum, Equifax hereby authorizes Intersections, on a non-exclusive basis,
to obtain from Equifax in the manner prescribed by Sections 1.7 and 1.8 of the
Agreement and to make available at the Web Site, Equifax credit information, as
available, for access through the Internet directly to and by Consumer Subjects
resident in the Service Area, by delivery in the form of (i) the CreditCompare
service and (ii) the Credit Monitoring service, and Equifax agrees to provide
such credit information to Intersections, as available and on a non-exclusive
basis. It shall be the responsibility of Intersections to comply with all
applicable rules, regulations, and laws associated with or governing the
delivery and sale of information of the kind contemplated hereunder to the
Consumer Subjects via the Internet.

4.       Identification and Authentication of Consumer Subjects: Delivery to
         Consumer Subjects

                  a.       Intersections shall verify the identity of each
Consumer Subject who requests to be provided Equifax credit information.
Intersections shall request credit information from Equifax only for those Con-
sumer Subjects whose identity Intersections has authenticated in accordance
with the requirements of this First Addendum. Intersections shall insure that
each Consumer Subject does not resell or otherwise provide or transfer the
Consumer Subject's credit report or the Equifax credit information contained
therein in whole or in part to any other person or entity.

                  b        With regard to the authentication of Consumer
Subjects requesting Equifax credit information via the Web Site, all such
authentications conducted on Consumer Subjects will be performed: (i) under and
governed by the terms and conditions of the Services Agreement by and between
Intersections and Equifax Secure, Inc. effective on the 21st day of December,
2000 as set forth in Exhibit "C" attached hereto and incorporated herein by
reference, or (ii) by such other high assurance authentication methodology
approved by Equifax in writing and conforming to the Equifax Internet Security
Requirements as set forth in Exhibit "D" attached hereto and incorporated herein
by reference.

                  c.       Prior to the delivery of Equifax credit information
to a Consumer Subject through the Web Site, Intersections shall disclose to, and
obtain the valid consent of the Consumer Subject to, terms, disclaimers, and
acknowledgments concerning the accuracy of the Equifax credit information, the
Consumer Subject's responsibilities under law, the restrictions on access to the
Equifax credit information, and related matters, in language which shall be
attached hereto and made a part hereof as Exhibit "E". It shall be a
precondition of the Internet Consumer Delivery Authorization set forth in
Section 3 hereof that the language of Exhibit "E" shall comprise, in addition to
the foregoing matters, sufficient written authorization of the Consumer Subject
as prescribed under Section 5 hereof, and that the language of Exhibit "E" shall
be acceptable to Equifax; provided, however, that such acceptance by Equifax
notwithstanding, Equifax shall not be nor shall it be deemed to be responsible
or liable in any way for the content or efficacy of such language and
Intersections agrees and acknowledges that it shall remain solely responsible
and liable therefor. Intersections shall fully disclose to Consumer Subjects its
Internet data privacy and personal information usage and disclosure policies
and shall adhere to those policies at all times. Intersections shall ensure that
its privacy policies conform to the requirements of all applicable Laws and
industry best practices.

5.       Written Authorization of Consumer Subjects

                  Intersections shall provide the Equifax credit information to
the Consumer Subject only pursuant to the written instructions of the Consumer
Subject as described in Section 1.1(A) of the Agreement and as necessary to
comply with the requirements of the Fair Credit Reporting Act, 15 U.S.C. 1681
et. seq., as

                                       2
<PAGE>

amended ("FCRA"). Provided, however, that written authorization of the Consumer
Subject may be obtained by Intersections in the form of either (i) an original
or facsimile copy of a manual signature on paper, or (ii) an Electronic
Signature as defined herein and meeting all other requirements of law.

6.       Internet Security Requirements

         Intersections agrees to comply with the Equifax Internet Security
Requirements ("Requirements"), as these Requirements may be updated or modified
from time to time by Equifax in its discretion. Additionally, Intersections
agrees to utilize the encryption standard required by Equifax, as the same may
be modified or upgraded from time to time (the "Encryption Standard"), to
transmit all Equifax credit information and Equifax-issued subscriber codes and
passwords to and from both Equifax and the Consumer Subjects. Further, the
operating environment Intersections uses to receive and request the Equifax
credit information and to store, deliver, and transmit the Equifax credit
information shall meet or exceed generally accepted industry standards for
Internet security, to permit Web Site access as contemplated herein with a
maximum degree of certainty that no party other than the Consumer Subject
obtains Equifax credit information concerning that individual. Intersections
shall further ensure that:

                  a.       Equifax credit information shall be adequately
protected when stored on Intersections transaction servers. Intersections
transaction servers holding Equifax credit information are physically separate
from Intersections web servers and are not available for any services directly
from the Internet. Security controls on such transaction servers include strong
and regularly changed passwords and other measures to prevent unauthorized
access to Equifax credit information. Intersections' Internet connection allows
communication only through a secure application server that cannot be bypassed
by any third party to communicate directly with Equifax.

                  b.       Intersections' Internet connection is protected with
ICSA.net (or its successor)-certified firewall(s) that are configured and
managed to adhere to industry best practices.

                  c.       If IDs and passwords are being used: strong password
policies must be in place (minimum length of 6 characters in a combination of
alpha and numeric characters, frequent and mandatory password
changes--recommended at least every 90 days and required at least once per
annum); and IDs and pass-words are encrypted when they travel over the
Internet. If digital certificates are used, the certificate authority must be
trusted, the certification process must be sound, and the certification must be
protected by the end user. Intersections shall ensure that IDs or digital
certificates that were fraudulently issued are disabled or inactivated promptly.

         In the event that Equifax updates or modifies the Requirements or the
Encryption Standard, Intersections shall modify its procedures, software, or
systems in order to comply with the modified Requirements or Encryption Standard
within sixty (60) days of the date Intersections is given notice of the modified
Requirements or Encryption Standard. Intersections' system shall have adequate
audit trails and detailed reports that allow early detection of fraudulent
access and/or investigation of suspicious activities. In the event of any breach
of security or release by Intersections of Equifax credit information to anyone
other than the Consumer Subject, Intersections must report to Equifax as soon as
possible but no later than one (1) business day after discovery.

7.       No Other or Further License

         Apart from the Internet consumer delivery authorization through the Web
Site as provided in Section 3 hereof, nothing herein contained shall convey or
transfer, or be construed to convey or transfer, to Intersections or any other
person any license, right, or power to transmit or retransmit Equifax credit
information or any data therein contained via the Internet. Intersections shall
continue to be subject to, without limitation, all of the restrictions of
Sections 1.5(A) and (B) of the Agreement.

8.       Additional Intersections Undertakings

                  a.       Intersections shall request the Equifax credit
information from Equifax as prescribed in Sections 1.7 and 1.8 of the Agreement,
or by other means as may be agreed to from time to time by Equifax and
Intersections.

                  b.       Intersections understands and agrees that it shall be
solely responsible for the development, operation, and maintenance of the Web
Site and for all materials that appear therein, including but not limited to:
(i) the technical operation of the Web Site and all related equipment; (ii)
operating the CreditCompare and

                                       3
<PAGE>

Credit Monitoring services on the Web Site in conjunction with the use of
Equifax credit information; (iii) the accuracy and appropriateness of materials
posted on or incorporated into the Web Site or provided for use on the Web Site
(excepting only the Equifax credit information in the form provided by Equifax);
(iv) ensuring that all materials posted on or incorporated into the Web Site do
not violate or infringe upon the rights of any third party (including, without
limitation, copyrights, trademarks, service marks, trade secrets, privacy or
other personal or other proprietary rights); and (v) ensuring that materials
posted on or incorporated into the Web Site are not libelous or defamatory and
comply with all applicable laws and regulations.

                  c.       Intersections will diligently comply with all
federal, state and local laws, ordinances, regulations and administrative orders
(collectively "Laws") applicable to the purchase, transmission, possession, use,
sale, and disclosure of Equifax credit information through the Web Site,
including but not limited to, (i) the FCRA and other Laws regulating the
storage, transmission, or use of information in the nature of the Equifax credit
information, or electronic data interchange, and (ii) Laws applicable to the
sale of products and services to consumers through the Internet, including but
not limited to, marketing, advertising, "spamming," consumer protection, and
unfair and deceptive practices Laws.

                  d.       Intersections acknowledges and agrees that Equifax
shall have no liability to Intersections or any third party arising out of the
Internet consumer delivery by Intersections. Intersections understands and
agrees that Consumer Subjects who access the Web Site shall be deemed customers
solely of Intersections for all purposes. Intersections shall be solely
responsible for any claims, actions, liabilities, damages, fines, penalties,
costs and expenses (including reasonable attorneys' fees) of any nature or kind
whatsoever (cumulatively for purposes hereof "Claims") arising out of or
relating to (i) this customer relationship including but not limited to terms of
sale, privacy policy, use of cookies and customer information retention and
uses, or the delivery of Equifax credit information to Consumer Subjects through
the Web Site, including the use by Consumer Subjects of Equifax credit
information or other information on the Web Site; (ii) the operation or content
of the Web Site; (iii) any representation or warranty offered by Intersections
in connection with the delivery of Equifax credit information through the Web
Site; (iv) any non-compliance with any applicable Laws (including without
limitation the FCRA) by Intersections or by Equifax to the extent that Equifax's
noncompliance is directly caused by the acts of Intersections; (v) any breach of
any representation, warranty, duty or covenant of Intersections hereunder; (vi)
all claims by Consumer Subjects and/or any other third parties related to the
delivery of Equifax consumer information through the Web Site; or (vii) all
claims based on intellectual property infringement caused by the acts or
inaction of Intersections in connection with the ownership or operation of the
Web Site.

                  e.       Intersections shall indemnify, defend and hold
Equifax, any Equifax affiliates, and its contractually affiliated credit
reporting agencies harmless from any and all Claims described in Section 8(d)
hereof. In connection with any indemnification described in this Section,
Equifax (i) will give Intersections prompt written notice of the Claim; (ii)
will cooperate with Intersections (at Intersections' expense) in connection with
the defense and settlement of the Claim; and (iii) will permit Intersections to
control the defense and settlement of the Claim, provided that Intersections may
not settle the Claim without Equifax's prior written consent (which will not be
unreasonably withheld). Further, Equifax (at its cost) may participate in the
defense and settlement of the Claim. This provision will survive the termination
or expiration of the Agreement and shall be in addition to the indemnity
provision of Section 6 of the Agreement.

                  f.       Notwithstanding anything to the contrary in this
First Addendum, if the continued distribution of all or any portion of the
Equifax credit information through the Web Site, as contemplated by this First
Addendum, becomes impossible, impractical, or undesirable due to a change in
applicable federal, state or local laws or regulations, the agency enforcement
of such laws or regulations, or actual or threatened litigation, as determined
by Equifax in its reasonable and good faith judgment, Equifax may (i) terminate
the Internet consumer delivery authorized by this First Addendum; (ii) cease to
provide the credit information within, or pertaining to persons residing within,
the affected jurisdiction(s); or (iii) establish new prices which will apply to
the credit information when provided or delivered within, or pertaining to
persons residing within, the affected jurisdiction(s). Prices established under
clause (iii) will be reasonably calculated to cover the costs incurred by
Equifax in complying with the applicable laws or regulations and will become
effective on the date specified by Equifax in written notice, unless
Intersections objects in writing within five (5) days of receipt of such notice,
in which case Equifax may exercise its rights under clauses (i) or (ii) above.
Equifax will provide written notice of its actions as far in advance of the
effective date as is reasonably possible under the circumstances.

                                       4
<PAGE>
9.       RIGHTS TO AUDIT

         Equifax may, from time to time, at its discretion and expense, audit
Intersections to assess compliance with the requirements contained in this First
Addendum including, but not limited to, the compliance by Intersections with the
Requirements and the Encryption Standard, and Equifax may suspend Intersections'
ability to access and make available at the Web Site Equifax credit information
in the event of any noncompliance with the requirements of this First Addendum.

10.      ADDITIONAL TERMS AND CONDITIONS

         The terms and conditions set forth in this First Addendum are in
addition to the terms and conditions contained in the Agreement which are
incorporated herein by reference. Provided that insofar as any of the terms or
conditions of this First Addendum conflict with the terms or conditions of the
Agreement or impose greater or supplementary requirements, duties, or
restrictions, then as to the transactions contemplated by this First Addendum,
the terms and conditions of this First Addendum shall control.

11.      COUNTERPARTS; FACSIMILE

         This First Addendum may be executed in separate counterparts, each of
which is deemed to be an original and all of which taken together constitute one
and the same agreement. A signed facsimile copy of this First Addendum may serve
as an original and shall constitute a valid and binding execution of this First
Addendum by each of the parties hereto.

12.      DESCRIPTIVE HEADINGS

         The descriptive headings of this First Addendum are inserted for
convenience of reference only and do not constitute a constituent part of this
First Addendum.

         IN WITNESS WHEREOF, Equifax, Intersections and Processor have executed
this First Addendum on the day and year indicated above intending to be bound by
all of the terms and conditions of this First Addendum.

EQUIFAX CREDIT INFORMATION SERVICES, INC.        INTERSECTIONS INC.

By:___________________________________          By:_____________________________

Print Name:___________________________          Print Name:_____________________

Title:_______________________________           Title:__________________________

                                                DIGITAL MATRIX SYSTEMS, INC.

                                                By:_____________________________

                                                Print Name:_____________________

                                                Title:__________________________

                                       5
<PAGE>

           SECOND ADDENDUM TO AGREEMENT - CONSUMER DISCLOSURE SERVICE

This Second Addendum (the "Second Addendum") to that certain Agreement Consumer
Disclosure Service (the "Agreement") among EQUIFAX CREDIT INFORMATION SERVICES,
INC. N/K/A EQUIFAX INFORMATION SERVICES LLC, a Georgia corporation with its
principal place of business at 1550 Peachtree Street, Atlanta, GA 30309
("Equifax"), CREDITCOMM SERVICES, LLC, a Delaware limited liability company with
its principal place of business at 14930 Bogle Drive, Chantilly, Virginia 20151
("CreditComm"), INTERSECTIONS INC. a Delaware corporation with its principle
place of business at 14930 Bogle Drive, Chantilly, Virginia 20151
("Intersections") and DIGITAL MATRIX SYSTEMS, INC. a Texas corporation, with its
principal place of business at 15303 Spectrum Drive, 2nd floor, Addison, Texas
75001 ("Processor"), is entered into as of November 27, 2001 (the "Effective
Date")

WHEREAS, Equifax, CreditComm and Processor entered into the Agreement effective
April 7, 1997, regulating the provision, access to and use of certain Equifax
Credit Information and the resale of that information in the form of
"CreditCompare" and "Credit Monitoring" Services to Consumer Subjects, all on
the terms and conditions set forth therein; and

WHEREAS, the parties later entered into a First Addendum to the Agreement, dated
March 30, 2001, permitting CreditComm and Processor to access and use Equifax
Credit Information and resell that information in the form of "CreditCompare"
and "Credit Monitoring" Services to Consumer Subjects in electronic format via
the Internet, all on the terms and conditions set forth therein; and

WHEREAS, CreditComm is a wholly-owned subsidiary of Intersections, Inc., and its
product and service offerings include, in addition to CreditCompare and Credit
Monitoring Service, additional credit reports and profiles, credit monitoring
products and other related products which it sells under various names (these
products collectively referred to herein as "Intersections Products")

WHEREAS, Equifax Consumer Services Inc., an affiliate of Equifax, CreditComm and
Intersections, have entered into a certain Marketing, Operational and
Cooperative Services Agreement, dated November 27, 2001 (the "Commercial
Agreement"), pursuant to which Intersections and Equifax Consumer Services Inc.
agree to cooperate on a number of commercial projects including the transition
by Intersections of all of its credit monitoring or other products to use
Equifax Credit Information as the exclusive credit information incorporated in
such services; and

WHEREAS, the parties desire to further amend, modify and supplement the
Agreement, as amended by the First Addendum thereto; and

WHEREAS, capitalized forms used but not defined herein shall have the respective
meanings ascribed thereto in the Agreement, as amended by the First Addendum
thereto;

NOW THEREFORE, for good and valuable consideration the receipt of which is
hereby acknowledged, the parties now agree as follows:

<PAGE>
1.  EXCLUSIVITY.

    1.1. For all purposes of the Agreement as further modified by this Second
    Addendum, as used herein, "Intersections" shall mean and include CreditComm
    Services, LLC, Intersections Inc., or Processor unless otherwise specified
    or unless the context otherwise requires.

    1.2. Subject only to Section 5.3, Intersections shall use Equifax Credit
    Information as the sole component of all of its existing and future
    one-bureau Intersections Products that are credit monitoring products
    ("Intersections Monitoring Products") products that require credit
    information. In addition, Intersections shall utilize Equifax Credit
    Information as one of the two bureaus used in any of its dual bureau
    Intersections Monitoring Products, and as one of the three bureaus used in
    any tri-bureau Intersections Monitoring Products requiring credit
    information unless an Intersections client makes a specific request not to
    include Equifax.

        1.2.1. Intersections shall use its best efforts to transition all of
               its existing one and dual bureau Intersections Monitoring
               Products to use Equifax Credit Information as its underlying
               component, not later than one hundred and eighty (180) days after
               the Effective Date. Intersections will, on a monthly basis,
               report to Equifax or its representative the number of its
               customers who have been converted to Equifax and the number still
               to be converted.

        1.2.2. Equifax will cooperate with Intersections in its transition
               efforts including providing such reasonable assistance that
               Intersections may request (subject to any legal, or contractual
               obligations restraining Equifax's actions).

        1.2.3. To facilitate Intersections transition as required by this
               Second Addendum, Equifax at no expense to Intersections, shall
               provide to Intersections one CMS file for three consecutive
               months as required, for each Member who as of the first day of
               each such month had purchased an Intersections Monitoring
               Product.

    1.3.   Notwithstanding subclause (ii) of paragraph 4(b) of the First
    Addendum, Intersections shall during the Term of this Agreement and any
    extensions thereof use Equifax Secure Inc.'s elDverifier(TM) Authentication
    Service as its exclusive online authentication for all Websites maintained
    by it for the purpose of selling Intersections Products.

2.  SERVICES.

    2.1. Intersections shall use the Equifax Credit Information as a component
         of the Intersections Products only for sale directly to Consumer
         Subjects.

    2.2. Intersection shall use the Full Flat File received as part of the
         Equifax Credit Information only to calculate the changes to Members
         credit information for purposes of reporting the same as part of an
         Intersections Monitoring Product.

<PAGE>

         Intersections shall not separately sell or provide the Full Flat File
         to the Consumer Subject or any third party.

3.  PRICING. The prices applicable to the Equifax Credit Information and
    Services provided hereunder shall be inclusive of Safe Scan and shall be as
    follows:

         Credit Report Pull                    $ **   per pull

         Quarterly or monthly update pull      $ **   per Member per pull

---------
** This information is confidential and has been omitted and separately filed
with the Securities and Exchange Commission.

    3.1. Subsequent to the transition described in Section 1.2 the monthly
         minimum of $100,000 in billings shall continue to apply throughout the
         Term of this Agreement. If at anytime, Intersections fails to meet such
         minimum for a thirty-day (30) period Equifax may change such pricing
         for all future purchases to its then current pricing based on volume.

4.  DEFINITIONS. The following definitions shall apply:

         4.1. "WebSite" as defined in Section 2(e) of the First Addendum shall
               include any website owned and operated by Equifax or any of its
               Affiliates and shall include a site operated jointly by
               Intersections and Equifax or any one of its Affiliates.

5.  TERM AND TERMINATION.

    5.1. Term and Renewal. The term of this Agreement shall be five (5) years
    from the Effective Date of this Second Addendum (the "Term"). This Agreement
    shall renew for consecutive two (2) year terms unless, written notice of
    nonrenewal is given by either party at least twelve (12) months prior to the
    effective date of the renewal.

    5.2. Termination Due to Termination of Commercial Agreement. Notwithstanding
    section 5.1 above, and subject to section 5.4 below, this Agreement shall
    automatically terminate twenty four (24) months after the date of
    termination or expiration of the Commercial Agreement for any reason;
    provided, however, that in the event that Intersections terminates the
    Commercial Agreement due to the material breach or default of Equifax, this
    Agreement shall terminate the later of (i) twenty four (24) months after the
    termination of the Commercial Agreement or (ii) five years after the
    Effective Date.

    5.3. Change of Control of Intersections. Notwithstanding any provision of
    this Agreement to the contrary, this Agreement shall automatically terminate
    thirty (30) days after termination of the Commercial Agreement by Equifax
    pursuant to Section 21.4.4 thereof (referencing Section 3.8 of a certain
    Stockholders Agreement and certain Restricted Purchasers).

<PAGE>

    5.3  Termination of Exclusivity. Notwithstanding the exclusivity requirement
    of Section 1 of this Second Addendum, in the event that (i) either Party
    gives notice of nonrenewal pursuant to Section 5.1, or (ii) Section 5.2
    becomes operable due to the termination or expiration of the Commercial
    Agreement, Intersections, may, at its discretion cease purchasing Equifax
    Credit Information for new enrollees of Intersections Products (excluding
    any such Services being provided to any Equifax-affiliated company) no
    sooner than six (6) months prior to the anticipated end of the Term of this
    Agreement.

    5.4  Termination Due to Breach. If, at any time, Intersections is (i)
    delinquent in the payment of any charges due Equifax pursuant to this
    Agreement and remains delinquent for more than thirty (30) days after notice
    from Equifax, or (ii) is in violation of any of the material terms of this
    Agreement and remains in violation for more than ten (10) days after notice
    from Equifax of such violation, then Equifax may, at its election,
    discontinue providing Services to Intersections and terminate this Agreement
    immediately by giving written notice to Intersections.

    5.5  Continued Effect. In the event of termination of this Agreement for any
    reason, the provisions of this Agreement shall remain in full force and
    effect as to all Equifax Credit Information which Intersections has
    requested or received from Equifax prior to the date of termination.

6.  CROSS DEFAULT. Intersections acknowledges and agrees that a material default
    under this Agreement that remains uncured after giving effect to any
    available notice and remedy periods shall be a default under the Commercial
    Agreement.

7.  EFFECT. Capitalized terms used herein and not defined herein shall have the
    meanings given to them in the Agreement. This Second Addendum amends and
    supercedes terms of the Agreement and the First Addendum that conflict with
    it and the terms of this Second Addendum shall be given precedence. Unless
    changed herein, all terms and conditions of the Agreement and the First
    Amendment shall remain in full effect.

<PAGE>

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

EQUIFAX INFORMATION SERVICES                  CREDITCOMM SERVICES LLC
LLC ("Equifax")                               ("CreditComm")

By:__________________________                 By:__________________________

Name:________________________                 Name:________________________

Title:_______________________                 Title:_______________________

INTRSECTIONS INC. ("Intersections")           DIGITAL MATRIX SYSTEMS,
                                              INC ("Processor")

By:__________________________                 By:__________________________

Name:________________________                 Name:________________________

Title:_______________________                 Title:_______________________

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