Document:

EXHIBIT 10.1.6

                         CONSUMER REPORT USER AGREEMENT
                          ADDENDUM FOR PAYMENT METHODS

                                      Terms

User does not wish to  pursue  automatic  withdrawal  as the  desired  method of
payment. Instead, the User certifies and agrees to:

*    Pay for services  based on an electronic  statement  system  similar to the
     format  used by  telephone  companies.  Terms are NET 30 days.  Accounts in
     arrears will assume a finance  charge of 2% per month or the highest lawful
     rate,  whichever is less. If an account goes to collection,  User agrees to
     pay all expenses, including reasonable legal fees.

One-time Set-Up Fee    $150.00

Monthly Subscription Fee Amount   $__________

o    Bill Set-Up Fee to Credit Card

o    Bill Set-Up Fee, Monthly  Subscription  Fee and any fee-based  Avert,  Inc.
     reports, services and forms to Credit Card on an on-going basis.

--------------------------------------------------------------------------------
Card Type      Credit Card #                Exp. Date         Name of Cardholder

(Visa, Mastercard and American Express accepted.)

     *    To complete account set up, Avert,  Inc. will need to receive a signed
          copy of the  standard  Consumer  Report User  Agreement in addition to
          this signed Addendum.

     ------------------------------------------------------------------------
     User Authorized Signature                   Title                   Date

     ------------------------------------------------------------------------
     Avert Authorized Signature          Title                           DateEXHIBIT 10.1.7

                         CONSUMER REPORT USER AGREEMENT
                       ADDENDUM FOR STAFFING RELATED FIRMS

                                      Terms

Avert Customer #  ________________

Company Name (as it appears on User Agreement) _________________________________

     In addition to the standard 'Terms of the Consumer Report User  Agreement',
     User certifies and agrees:

          *    To use the  Avert  service  for the sole  purpose  of  performing
               pre-employment   screening   background   checks  on  individuals
               applying for employment with User

          *    Not to resell any aspect of the Avert service to User's clients

          *    To recognize that Avert may review User's  Subscription Fee every
               30 days to  identify  whether  User's  usage  exceeds 50% (yearly
               applicants screened/current number of employees)

          *    To  recognize  that if User's usage  exceeds 50%,  then Avert may
               increase User's  Subscription Fee (this clause  supercedes clause
               #18 on the standard Consumer Report User Agreement)

          *    To pay for services via direct debit method

     *    To complete account set up, Avert,  Inc. will need to receive a signed
          copy of the  standard  Consumer  Report User  Agreement in addition to
          this signed Addendum.

     -----------------------------------------------------------------------
     User Authorized Signature             Title                        Date

     -----------------------------------------------------------------------
     Avert Authorized Signature            Title                        Date

                                                 ADP Staffing Related IndustriesEXHIBIT 10.1.8

                         CONSUMER REPORT USER AGREEMENT
                           ADDENDUM FOR SECURITY FIRMS

                                      Terms

Avert Customer #  ________________

Company Name (as it appears on User Agreement) ______________________________

     In addition to the standard 'Terms of the Consumer Report User  Agreement',
     User certifies and agrees:

          *    To use the  Avert  service  for the sole  purpose  of  performing
               pre-employment   screening   background   checks  on  individuals
               applying for employment with User

          *    Not to resell any aspect of the Avert service to User's clients

          *    To recognize that Avert may review User's  Subscription Fee every
               30 days to  identify  whether  User's  usage  exceeds 50% (yearly
               applicants screened/current number of employees)

          *    To  recognize  that if User's usage  exceeds 50%,  then Avert may
               increase User's  Subscription Fee (this clause  supercedes clause
               #18 on the standard Consumer Report User Agreement)

          *    To pay for services via direct debit method

     *    To complete account set up, Avert,  Inc. will need to receive a signed
          copy of the  standard  Consumer  Report User  Agreement in addition to
          this signed Addendum.

     ------------------------------------------------------------------------
     User Authorized Signature           Title                           Date

     ------------------------------------------------------------------------
     Avert Authorized Signature          Title                           Date

                                                              ADP Security FirmsDATE:     01/05/99

TO:       Avert Board of Directors

FROM:     Compensation Committee:  Steve Fienhold
                                   Michael Vaughan

SUBJECT:  Renewal of Dean Suposs employment contract

     Based on  the following  accomplishments  of the Company over the past give
years  under  the  direction  of Mr.  Suposs,  the  Compensation  Committee  has
rewritten his employment contract.

     o    Over the past five years,  Avert has progressed from a privately owned
          company to a publicly traded enterprise.
     o    Over the past five  years,  Avert has  nearly  tripled  its  growth in
          revenues.  Gross  revenues have  increased  from about $3.5 million to
          about $10  million.  Over this same  period,  this growth in sales has
          been  accomplished with less than double the number of employees (from
          40 to 72).
     o    Avert has increased  its financial  strength over the past five years.
          During that period, the Company has been profitable in each month. The
          Company has a substantial cash balance and no long-term debt. It has a
          new  building  that  meets  the needs of its  operations  with room to
          expand.
     o    The  Company  has hired and  retained  strong  and  experienced  upper
          management.  The Company's management personnel are stronger than ever
          before.
     o    Avert has complied with major law changes in the Fair Credit Reporting
          Act.  Avert is one of the few  companies  that is  compliant  with all
          Federal and state statutes.
     o    The   Company   has   been   completely    re-engineered    with   new
          software/hardware. This process has positioned Avert to take advantage
          of efficiencies in technology, and of trends in the industry. Avert is
          able to add new products and services at a much faster rate, and to be
          more  responsive to our customer and vendor needs.  Also, with the new
          technology,  Avert  is  positioned  to  expand  more  rapidly  through
          electronic commerce and the Web.
     o    With its new  technology,  Avert is able to seek out  strategic  sales
          partners. Three major pilot programs are currently underway.
     o    Avert  has   developed  a  successful   telemarketing   and  marketing
          communications  plan for  small  customers.  The  Company's  marketing
          program brings in about 2,500 to 3,000 new accounts each year.

     The terms of the employment contract are as follows:

               1)   Expires 12/31/2003.
               2)   Annual  salary of  $120,000,  payable  in 26 equal  payments
                    annually.
               3)   Annual  bonus  based  on  pre-tax  earnings,   exclusive  of
                    investment income, as follows:

                         Pre-Tax Earnings                   Bonus Percent
                         ----------------                   -------------

                         First $1,500,000                         6%
                         $1,500,001-$2,000,000                    7%
                         $2,000,001-$2,500,000                    8%
                         Over $2,500,000                          9%

               4)   Stock options of 100,000 shares with an exercise price equal
                    to market price on the date of this contract,  or $4.188 per
                    share.  Such  options to be vested  equally over a five-year
                    period, and expire in ten years from date of grant.
               5)   Auto allowance of $300 per month.

                                        ----------------------------------------
                                        Dean A. Suposs, PresidentEXHIBIT 10.5.2

                                    Agreement
                                 for the Resale
                                       of
                           TRACE, ReTRACE And IDSearch

This Agreement is made by and between Avert. Inc. (Reseller) and Trans Union LLC
(Trans Union) as of the date indicated below.

1.   Reseller may obtain from Trans Union any or all of the following:

     a)   Name and address  information  upon entering a social  security number
          into the Trans Union system (herein called TRACE);

     b)   Social Security  information  upon entering a name and address (herein
          called ReTRACE); and

     c)   Name,  address and social security number upon entering name,  address
          and  social  security  number  or  name  and  social  security  number
          (IDSearch).

     for the purpose of reselling  any or all of them to qualified  customers as
     defined below. Trans Union will also make available to Reseller access to a
     database of information  provided by its subscribers,  other third parties,
     and independently assembled, that consists of addresses, telephone numbers,
     Social Security Numbers and other data (not  individually  identifiable) as
     may  from  time  to  time  be  added,   used  or  potentially   useable  in
     unsatisfactory credit experiences (hereinafter called "Hawk"). Reseller may
     make Hawk available to Subscriber  with any of the foregoing  products upon
     request under the terms and conditions set forth herein.

1. The foregoing products are referred to herein collectively as "The Products".
No credit  information  shall be supplied in response to such an inquiry for any
of The Products.

2. Reseller  shall require its customers to sign a Service  Agreement for TRACE,
ReTRACE and  IDSearch in the form  attached  hereto as Exhibit A,  wherein  such
customers  state the nature of their  business,  and the appropriate use for The
Products,  in accordance with the individual  Reference Service Group Principles
(IRSG).  Reseller may obtain a copy of the IRSG  Principles from Trans Union, or
from the IRSG at  www.irsg.org.  Reseller shall take reasonable  steps to verify
who its customers  are, and that their  certifications  are  accurate.  Reseller
shall retain copies of all  documentation  evidencing  the steps taken to verify
its  customers  and their  certifications,  as well as copies of signed  service
agreements from its customers, so long as such customer is purchasing one of The
Products and for a period of three (3) years thereafter. Reseller shall not sell
any of The  Products  to another  reseller,  buy may sell The  Products  only to
qualified end users.

3. Reseller agrees to comply with the IRSG  Principles,  and obtain an assurance
review  annually  from an  independent  auditing  firm,  as required by the IRSG
Principles,  and present the assessment letter to Trans Union annually, no later
than April 1 of each full calendar year during this Agreement remains in effect.
In the event such a letter is not received,  or Reseller fails such  assessment,
this Agreement shall be terminated by Trans Union as set forth below.

4. The Products or data  therefrom may be  transferred  without  change,  may be
reformatted  by Reseller,  or may be merged with other data obtained by Reseller
from other sources.  Each report  obtained by Reseller  hereunder  shall be used
only one time,  and only by or on behalf of the user for whom it was  requested.
Reseller  may  not  archive  or  otherwise  retain  or use any  report  obtained
hereunder for any other purpose.

5. Reseller may  advertise  its services on the Internet or another  proprietary
computer  system.  However The  Products  may not be sold and  delivered  over a
public computer  network.  In the event Reseller believes that adequate security
has been  established  to  permit  on line  network  or  Internet  access to The
Products,  with no risk of any party other than the appropriate  party obtaining
the report,  Reseller  shall apply to Trans Union for  approval of its  security
procedures.  Approval must then be obtained from Trans Union's  computer  access
Security Department,  in writing, before any such deliveries of The Products can
occur.

<PAGE>

Failure to obtain  such  prior  approval  shall  result in  termination  of this
Agreement.

6. Reseller shall pay a fee for each inquiry for any of The Products,  according
to Trans Union's  current  published fee schedule then in effect.  Additionally,
Reseller  agrees to pay to Trans Union any applicable  membership fee or monthly
minimum  according to the published fee schedule.  Reseller  agrees to pay Trans
Union  upon  receipt  of the  statement  for the  services  rendered  during the
previous  thirty (30) day period  according  to the current  rate  schedules  in
effect.  Trans Union reserves the right to change the charges from time to time,
but no change in such charges shall become  effective as to the Reseller earlier
than  thirty (30) days after  written  notice  thereof  shall have been given by
Trans Union to the Reseller.  There shall be no refunds or rebates of any annual
Reseller  fee under this  Agreement.  All  Reseller  fees are  compensation  for
supplying service and carrying the account.

7. Trans  Union  agrees to  maintain  information  as  obtained  from  available
sources.  Trans Union shall use good faith in attempting  to obtain  information
from  sources  deemed  reliable,  but does not  guarantee  the  accuracy  of the
Products,  and in no event  shall  Trans  Union  be held  liable  in any  manner
whatsoever  for any loss or injury to Reseller  resulting  from the obtaining or
furnishing  of the  Products;  and further  Reseller  agrees to hold Trans Union
harmless and indemnify it from any and all claims,  losses,  and damages arising
out of alleged  liability  or failure of the Reseller to keep and perform any of
its obligations described herein.

8.  This  Agreement  shall  remain in force  and  effect  for one year from date
hereof, and thereafter, from year to year, on the same basis as set forth herein
except that either  party may cancel this  Agreement  at any time upon notice at
least ten (10) days prior to the end of the current monthly payment period.

9. Trans Union may audit  Reseller's  compliance  with the  requirements of this
Agreement,  during  business  hours and upon  reasonable  notice.  It is further
agreed,  however,  that with just cause, such as delinquency or violation of the
terms of this  Agreement,  including  but not limited to  Reseller's  failure to
obtain an assessment  letter or a comply with an IRSG or legal  requirement,  or
Reseller's  failure to fully  cooperate in any audit,  Trans Union may, upon its
election,   discontinue   serving  the  Reseller   and  cancel  this   Agreement
immediately.

10. The  parties  hereto  agree that this  instrument  is the full and  complete
Agreement  between them regarding the furnishing of The Products,  and is not to
be altered,  varied,  or enlarged upon by any verbal  promises,  statements,  or
representations  not expressed  herein.  This Agreement  shall be not binding on
either party until accepted by Trans Union.

Trans Union LLC                        Reseller: _______________________________

By: _______________________________    By: _____________________________________

Print Name: _______________________    Print Name: _____________________________

Title: ____________________________    Address: ________________________________

Date: _____________________________    Date: ___________________________________

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00004-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00004-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00004-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00004-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00004-of-00352.parquet"}]]