Document:

EXHIBIT 10.7
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                        AMENDED 1995 INCENTIVE STOCK PLAN

                                       OF

                                 ACCESSITY CORP.

         1. PURPOSES OF THE PLAN. This 1995 Incentive Stock Plan (the "Plan") is
designed to provide an incentive to employees (including directors and officers
who are employees), directors (who are not employees) and to consultants (who
are neither employees nor directors) of Accessity Corp. a New York corporation
(the "Company"), and its present and future Subsidiary corporations, as defined
in Paragraph 19, and to offer an additional inducement in obtaining the services
of such individuals. The Plan provides for the grant of Incentive Stock Options
("ISO") within the meaning of Section 422 of the Internal Revenue Code of 1986,
as amended (the "Code"), and Non-statutory Options ("NSO"), but the Company
makes no warranty as to the qualification of any option as an ISO under the
Code.

         2. STOCK SUBJECT TO THE PLAN. Subject to the provisions of Paragraph
12, the aggregate number of shares of Common Stock $.015 par value per share of
the Company ("Common Stock") for which options may be granted under the Plan
shall not exceed Six Million (6,000,000). Such shares of Common Stock may in the
discretion of the Board of Directors of the Company (the "Board of Directors")
consist either in whole or in part of authorized, but unissued shares of Common
Stock or shares of Common Stock held in the treasury of the Company. The Company
shall at all times during the term of the Plan reserve and keep available such
number of shares of Common Stock as will be sufficient to satisfy the
requirements of the Plan. Subject to the provisions of Paragraph 13, any shares
of Common Stock subject to an option which for any reason expires, is canceled
or is terminated, unexercised or which ceases for any reason to be exercisable
shall again become available for the granting of options under the Plan.

         3. ADMINISTRATION OF THE PLAN. The Plan shall be administered by a
Stock Option Committee (the "Committee") consisting of not less than three
members

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of the Board of Directors each of whom shall be a "disinterested person" within
the meaning of Rule 16b-3 (or any successor rule or regulation promulgated under
the Securities Exchange Act of 1934, as amended (the "Exchange Act"). A majority
of the members of the Committee shall constitute a quorum, and the acts of a
majority of the members present at any meeting at which a quorum is present, and
any acts approved in writing by all members without a meeting shall be the acts
of the Committee.

Should the Board of Directors not appoint a Stock Option Committee, or not be
able to appoint to the Committee three members of the Board of Directors who
shall each be a "disinterested person" within the meaning of Rule 16b-3 (or any
successor rule or regulation promulgated under the Exchange Act, then the Plan
shall be administered by the Board of Directors, with all rights and obligations
of the Committee as set forth in the Plan, until such time as a properly
qualified Committee is appointed.

Subject to the express provisions of the Plan, the Committee shall have the
authority, in its sole discretion, except as set forth in Paragraph 4A, to
determine the employees, directors and consultants who shall receive options:
the times when they shall receive options; whether an option granted to an
employee shall be an ISO or a NSO; the number of shares of Common Stock to be
subject to each option; the term of each option; the date each option shall
become exercisable; whether an option shall be exercisable in whole or in part
or in installments, and , if installments, the number of shares of Common Stock
to subject to each installment; whether the installments shall be cumulative;
the date each installment shall become exercisable and the term of each
installment; whether to accelerate the date of exercise of any installment;
whether shares of Common Stock may be issued on exercise of an option as partly
paid, and if so, the dates when future installments of the exercise price shall
become due and the amounts of such installments; the exercise price of each
option; the form of payment of the exercise price; the amount, if any, necessary
to satisfy the Company's obligation to withhold taxes; whether to restrict the
sale or other disposition of the shares of Common Stock acquired upon the
exercise of an option and to waive any such restriction; whether to subject the
exercise of all or any portion of an option to the fulfillment of contingencies
as specified in the Contract (as described in Paragraph 11), including without
limitations, contingencies relating to entering into a covenant not to compete
with the Company and its Subsidiaries, a division, a product line or other
category, and/or the period of continued employment for the optionee with the
Company, or its Subsidiaries, and to determine whether such contingencies have
been met; to construe the respective Contract and the Plan, with consent of the
optionee, to

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cancel or modify the option, provided such option as modified would be permitted
to be granted on such date under the terms of the Plan; and to make all other
determinations necessary or advisable for administering the Plan. The
determinations of the Committee on matters referred to in this Paragraph 3 shall
be conclusive. No member or former member of the Committee shall be liable for
any action or determination made in good faith with respect to the Plan or any
option granted hereunder.

4. ELIGIBILITY OF GRANTS. The Committee may, consistent with the purpose of the
Plan, grant options from time to time, to employees (including officers and
directors who are employees), to directors who are not employees ("Non-employee
Directors")and/or consultants (who are neither employees or directors) of the
Company or any of its Subsidiaries. Options granted shall cover such number of
shares of Common Stock as the Committee may determine provided, however, that
the aggregate fair market value (determined as of the time the option with
respect to the stock is granted) of stock with respect to which ISO's are
exercisable for the first time by any individual during any calendar year (under
all plans of the individual's employer corporation and its Parent and Subsidiary
corporation) exceeds $100,000, such options shall be treated as options which
are not incentive stock options. The $100,000 limitation shall be applied by
taking options into account in the order in which they were granted.

         A.  NON-EMPLOYEE DIRECTOR STOCK OPTIONS.

         (a) ELIGIBILITY. Each Non-Employee Director shall be granted options to
purchase shares of Common Stock in accordance with this Paragraph 4A. All
options granted under this Paragraph 4A shall constitute a NSO.

         (b) GRANTS OF STOCK OPTION. Each Non-employee Director shall be granted
NSOs as follows:

                  (i) TIME OF GRANT. On the date of his or her first election to
the Board of Directors and upon the yearly anniversary of such date thereafter,
each Non-employee Director shall be granted an option to purchase 50,000 shares
of Common Stock at a purchase price equal to the fair market value of a share of
Common Stock on the date of grant of such option.

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                  (ii) OPTION PERIOD AND EXERCISABILITY. Each option granted
under this Paragraph 4A shall be exercisable in part or in full at any time
after the grant thereof provided: (1) each such option shall expire ten (10) ten
years after its date of grant or on such earlier date as is hereinafter provided
and (2) no Common Stock acquired upon the exercise of such options shall be sold
or transferred by the person exercising such option during the six month period
following the date of exercise of such option if such person shall be a director
of the Company on the date such option is exercised. An exercisable option, or
portion thereof, may be exercised in whole or in part only with respect to whole
shares of Common Stock. Options granted under this Paragraph 4A shall be
exercisable in accordance with Paragraph 7.

         5. EXERCISE PRICE. The exercise price of the shares of Common Stock
under each option shall be determined by the Committee, provided, however, that
the exercise price shall not be less than 100 percent of the fair market value
of the Common Stock subject to such option on the date of grant; and further
provided, that if, at the time an ISO is granted, the optionee owns, or is
deemed to own in excess of 10 percent of the total combined voting power of all
classes of stock of the corporation or its Subsidiary corporations, the exercise
price of such ISO shall not be less than 110 percent of the fair market value of
the Common Stock subject to such ISO on the date of grant.

         6. TERM. The term of each option granted pursuant to the Plan shall be
such term as is established by the Committee, in its sole discretion, at or
before the time such option is granted: provided, however, that the term of each
ISO granted pursuant to the Plan shall be for a period not exceeding 10 years
from the date of grant thereof, and further provided, that if, at the time an
ISO is granted, the optionee owns, or is deemed to own, stock possessing more
than 10 percent of total combined voting power of all classes of stock of the
Company, or any of its Subsidiaries, the term of the ISO shall be for a period
not exceeding five years from the date of grant. Options shall be subject to
earlier termination as hereinafter provided.

         7. EXERCISE. An option (or any part or installment thereof), to the
extent then exercisable, shall be exercised by giving written notice to the
Company, at its principal office (at present 51 East Bethpage Road, Plainview,
NY 11803, Attention: Stock Option Committee), stating which option is being
exercised, specifying the number of shares of Common Stock as to which such
option is being exercised and accompanied by payment in full of the aggregate
exercise price thereof (or the amount

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due on exercise if the Contract permits, with previously acquired shares of
Common Shares having an aggregate fair market value, on the date of exercise,
equal to the aggregate exercise price of all options being exercised, or with
any combination of cash, certified check or shares of Common Stock.

A person entitled to receive Common Stock upon the exercise of an option shall
not have the rights of a shareholder with respect to such shares of Common Stock
until the date of issuance of a stock certificate is issued, any option holder
using previously acquired shares of Common Stock in payment of an option
exercise price shall continue to have the rights of a shareholder with respect
to such previously acquired shares.

In no case, may a fraction of a share of Common Stock be purchased or issued
under the Plan.

         8. TERMINATION OF EMPLOYMENT. Any holder of an option granted to an
employee whose employment with the Company (and/or its Subsidiaries) has
terminated for any reason other than his or her death or Disability (as defined
in Paragraph 19) may exercise such option, to the extent exercisable on the date
of termination, at any time within three months after the date of termination;
but not thereafter and in no event after the expiration of the term of the
option; provided, however, that if his or her employment shall be terminated
either (a) for cause, or (b) without the consent of the Company, said option
shall be terminate immediately. Options granted to employees under the Plan
shall not be affected by any change in the status of the holder so long as he
continues to be a full-time employee of the Company, or any of its Subsidiaries
(regardless of having been transferred from one corporation to another).

For purposes of the Plan, an employment relationship shall be deemed to exist
between an individual and a corporation if, at the time of the determination,
the individual was an employee of such a corporation for purposes of Section
422(a) of the Code. As a result, an individual on military, sick leave or other
bona fide leave of absence shall continue to be considered an employee for
purposes of the Plan during such period if the leave does not exceed 90 days,
or, if longer, so long as the individual's right to re-employment with the
Company (or related corporation) is guaranteed whether by statute or by
contract. If the period of leave exceeds 90 days and individual's right to

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reemployment is not guaranteed by statute or by contract, the employment
relationship shall be deemed to have terminated on the 91st day of such leave.

An option granted to a consultant may be exercised at any time during its term.
It shall not be affected by a change in the holder's relationship with the
Company or its Subsidiaries.

An option granted to a director, who is not an employee of the Company or a
Subsidiary, may exercise such option, to the extent it is exercisable on the
date of the end of his or her term as a member of the Board of Directors, at any
time within one (1) year after the end of said term, unless the Committee
affirmatively extends the term of said option. Notwithstanding the previous
sentence, should the director be removed as a member of the Board of Directors,
for cause, the option shall terminated immediately.

Nothing in the Plan or in any option granted under the Plan shall confer on any
individual any right to continue in the employ, or to serve as a consultant or a
director of the Company or a Subsidiary, or interfere in any way with the right
of the Company, or any of its Subsidiaries to terminate the holder's employment
or consulting or remove the holder as a member of the Board of Directors, at any
time for any reason whatsoever without liability to the Company of any of its
Subsidiaries.

         9. DEATH OF DISABILITY OF AN OPTIONEE. If an employee or director to
whom an option was granted dies (a) while he is employed by the Company, or its
Subsidiaries; or (b) within 90 days after termination of his employment (unless
such termination was for cause or without the consent of the Company; or (c)
while serving as a member of the Board of Directors of the Company; or (d)
within 90 days after the expiration of his or her term as a member of the Board
of Directors; or (e) within one year following the termination of his employment
by reason of Disability, the option may be exercised, to the extent exercisable
on the date of death, by his or her executor, administrator or other person at
the time entitled by law to his rights under such option, at any time within one
year after death, but not thereafter and in no event after the expiration of the
term of the option.

The holder of an option granted to an employee whose employment has terminated
by reason of Disability may exercise such option, to the extent exercisable upon
the

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effective date of such termination, at any time within one year after such date,
but not thereafter and in no event after the expiration of the term of the
option.

The term of an option granted to a consultant shall not be affected by the death
or Disability of the consultant. In such event, the option may be exercised by
the executor, administrator or other person a the time entitled by law to his
rights under such option to the extent exercisable at the time of the
consultant's death or Disability at any time during the term of the option, but
not thereafter.

         10. COMPLIANCE WITH SECURITIES LAWS. The Committee may require, in its
discretion, as a condition to the exercise of any option that either (a) a
Registration Statement under the Securities Act of 1933, as amended (the
"Securities Act") with respect to the shares of Common Stock to be issued upon
such exercise shall be effective and current at the time of exercise, or (b)
there is an exemption from registration under the Securities Act for the
issuance of shares of Common Stock upon exercise. Nothing shall be construed as
requiring the Company to register shares subject to any option under the
Securities Act.

The Committee may require the optionee to execute and deliver to the Company his
or her representation and warranty in form and substance satisfactory to the
Committee, that the shares of Common Stock to be issued upon exercise of the
option are being acquired by the optionee for his own account, for investment
only and not with a view to the resale or distribution thereof. In addition, the
Committee may require the optionee to represent and warrant in writing that any
subsequent resale or distribution of shares of Common Stock by such optionee
will be made only pursuant to (i) a Registration Statement under the Securities
Act which is effective and current with respect to the shares of Common Stock
being sold, or (ii) a specific exemption from the registration requirements of
the Securities Act, but in claiming such exemption, the optionee shall provide
the Company with a favorable written opinion of counsel in form and substance
satisfactory to the Company, as to the applicability of such exemption to the
proposed sale or distribution.

In addition, if at any time the committee shall determine in its discretion that
the listing or qualification of the shares of Common Stock subject to such
option on any securities exchange or under any applicable law, or the consent,
or approval of any governmental regulatory body, is necessary or desirable as a
condition of, or in connection with, the granting of an option, or the issue of
shares of Common Stock

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thereunder, such option may not be exercised in whole or in part, unless such
listing, qualification, consent or approval shall have been effective or
obtained free of any conditions not acceptable to the Committee.

         11. STOCK OPTION CONTRACTS. Each option shall be evidenced by an
appropriate contract which shall be duly executed by the Company and the
optionee, shall contain such terms and conditions not inconsistent herewith as
may be determined by the Committee (the "Contract").

         12. ADJUSTMENTS UPON CHANGES IN COMMON STOCK. Notwithstanding any other
provisions of the Plan, in the event of any change in the outstanding Common
Stock by reason of a stock split, stock dividend, recapitalization, merger in
which the Company is the surviving corporation, split-up, combination or
exchange or the like, the aggregate number and kind of shares subject to the
Plan, the aggregate number and kind of shares subject to each outstanding option
and the exercise price thereof shall be appropriately adjusted by the Board of
Directors, including options granted pursuant to Paragraph 4A, whose
determination shall be conclusive.

In the event of (a) the liquidation or dissolution of the Company, (b) a merger
in which the Company is not the surviving corporation or a consolidation, or (c)
any other capital reorganization in which more than 50 percent of the shares of
Common Stock of the Company entitled to vote are exchanged, any outstanding
options shall become exercisable in full.

         13. AMENDMENTS AND TERMINATION OF THE PLAN. The Board of Directors,
without further approval of the Company's shareholders , may at any time suspend
or terminate the Plan, in whole or in part, or amend it from time to time in
such respects as it may deem advisable, including without limitation, in order
to fully comply with the Code and Rule 16b-3 promulgated under the Exchange Act.
The Plan may not be amended without consent of the Company's shareholders for
those changes that require shareholders' approval under the Code. No
termination, suspension or amendment of the Plan shall, without the consent of
the holder of an existing option affected thereby, adversely affect his rights
under such option. The power of the Committee to construe and administer any
options granted under the Plan prior to the termination or suspension of the
Plan nevertheless shall continue after such termination or during such
suspension.

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         14. NON-TRANSFERABILITY OF OPTIONS. No statutory option granted under
the Plan shall be transferable otherwise than by will or the laws of descent and
distribution, and options may be exercised, during the lifetime of the holder
thereof, only by him or his legal representatives. Except to the extent provided
above, options may not be assigned, transferred, pledged, hypothecated or
disposed of in any way (whether by operation of law or otherwise) and shall not
be subject to execution attachment or similar process. Notwithstanding the
above, non-statutory stock options granted pursuant to this Plan to Non-employee
Directors shall be fully assignable and transferable under this Plan.

         15. WITHHOLDING TAXES. The Company may withhold cash and or shares of
Common Stock to be issued with respect thereto having an aggregate fair market
value equal to the amount which it determines is necessary to satisfy its
obligation to withhold Federal, state and local income taxes incurred by reason
of the grant or exercise of an option, its disposition, or the disposition of
the underlying shares of Common Stock. Alternatively, the Company may require
the holder to pay to the Company such amount, in cash, promptly upon demand. The
Company shall not be required to issue any shares of Common Stock pursuant to
any such option until all required payments have been made.

         16. LEGENDS; PAYMENT OF EXPENSES. The Company may endorse such legend
or legends upon the certificates for shares of Common Stock issued upon exercise
of an option under the Plan and may issue such "stop transfer" instructions to
its transfer agent in respect of such shares as it determines in its discretion,
to be necessary or appropriate to (a) prevent a violation of, or to perfect an
exemption from the registration requirements of the Securities Act, (b)
implement the provisions of the Plan or any agreement between the Company and
the optionee with respect to such shares of Common Stock, or (c) permit the
Company to determine the occurrence of a "disqualifying disposition", as
described in Section 421(b) of the Code, of the shares of Common Stock
transferred upon the exercise of an ISO granted under the Plan.

The Company shall pay all issuance taxes with respect to the issuance of shares
of Common Stock upon the exercise of an option granted under the Plan, as well
as all fees and expenses incurred by the Company in connection with such
issuance.

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         17. USE OF PROCEEDS. The cash proceeds from the sale of shares of
Common Stock pursuant to the exercise of options under the Plan shall be added
to the general funds of the Company and used for its general corporate purpose
as the Board of Directors may determine.

         18. SUBSTITUTIONS AND ASSUMPTIONS OF OPTIONS OF CERTAIN CONSTITUENT
CORPORATIONS. Anything in this Plan to the contrary notwithstanding, the Board
of Directors may, without further approval by the shareholders substitute new
options for prior options of a Constituent Corporation (as defined in Paragraph
19) or assume the prior options of such Constituent Corporation.

         19. DEFINITIONS.

         (a) SUBSIDIARY(IES). Term Subsidiary(ies) shall have the same
definition as "Subsidiary Corporation" in Section 424(f) of the Code.

         (b) PARENT. The term "Parent" shall have the same definition as "Parent
Corporation" in Section 424(e) of the Code.

         (c) CONSTITUENT CORPORATION. The term "Constituent Corporation" shall
mean any corporation which engages with the company, its Parent or any
Subsidiary in a transaction to which Section 424(a) of the Code applies (or
would apply if the option assumed or substituted were an ISO), or any Parent or
any subsidiary of such corporation.

         (d) DISABILITY. The term "Disability" shall mean a permanent and total
disability within the meaning of Section 22(e)(3) of the Code.

         20. GOVERNING LAW. The Plan, such options as may be granted hereunder
and all related matters shall be governed by, and construed in accordance with,
the laws of the State of New York.

         21. PARTIAL INVALIDITY. The invalidity or illegality of any provision
herein shall not affect the validity of any other provision.

         22. STOCKHOLDER APPROVAL. This Plan shall be subject to approval by the
holders of a majority of the Company's outstanding shares of Common Stock
entitled to vote thereon. No options granted pursuant to this Plan shall be
exercised prior to such approval. Notwithstanding the foregoing, if this Plan is
not approved by a vote of the shareholders of the Company prior to the
expiration of the twelve month period commencing on the date this Plan is
adopted by the Board of Directors, then this Plan shall be terminated.

                                       10EXHIBIT 10.8
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STRATEGIC PARTNERSHIP AGREEMENT

THIS AGREEMENT dated December 17, 2002 by and among DriverShield CRM Corp., a
Delaware corporation ("CRM"), together with its parent DriverShield Corp., a New
York corporation ("D/S") both with offices 12514 West Atlantic Blvd, Coral
Springs, Florida 33071 and ClaimsNet, Inc., a Pennsylvania corporation
("ClaimsNet"), with offices at 4850 Street Rd, Tower One, Trevose, PA 19053.

WHEREAS, CRM is engaged in the vehicle claims management business ("VCMB"); and

WHEREAS, CRM desires ClaimsNet to operate and manage its VCMB; and

WHEREAS, ClaimsNet has agreed to operate and manage the VCMB upon the terms and
conditions set forth herein;

NOW, THEREFORE, in consideration of the mutual promises and covenants contained
herein and intending to be legally bound hereby, the parties agree as follows:

                                 SERVICING VCMB

1. CRM and ClaimsNet agree to a Strategic Partnership Agreement whereby
ClaimsNet shall operate and manage the CRM VCMB based upon the terms and
conditions set forth herein.

2. ClaimsNet services shall include and be provided by ClaimsNet at its sole
cost and expense: (i) servicing client claims through an auto body shop network,
(ii) operating the VCMB during normal business hours Monday through Friday
excluding national holidays, (iii) auditing estimates, (iv) originating and
completing all financial transactions with shops and clients, (v) hosting and
managing the server systems, web site and software necessary to operate and
manage the VCMB systems, (vi) personnel and staffing, (vii) accounting functions
and financial systems, (viii) funding the VCMB and (ix) maintaining insurance.
Commencement of servicing of the VCMB shall occur prior to January 1, 2003. (the
"Effective Date"). ClaimsNet will operate the VCMB on terms which are similar in
nature, volume and scope to those which ClaimsNet provided to its clients
immediately prior to the Effective Date.

                              LICENSE OF TECHNOLOGY

3. CRM hereby grants a non-exclusive non-transferable license to ClaimsNet
during the term of this Agreement and any extension whereby CRM shall license
all of the software ("Technology") pursuant to a Proprietary Software License
Agreement as set forth in Exhibit A and other intellectual property ("IP") as
set forth in the Trademark License Agreement attached in Exhibit B, both related
to the CRM VCMB. Additionally, for the Term of this Agreement, CRM hereby grants
ClaimsNet a non-exclusive non-transferable license to utilize the CRM VCMB
vehicle repair vendor network ("Network") for ClaimsNet to carry-out its
obligations pursuant to this Agreement. CRM agrees to allow ClaimsNet to utilize
the CRM VCMB and Technology without charge, for all of ClaimsNet's present
customers including any of their customer accounts, a list of which includes AIG
Mass Marketing, Harleysville, Safeco, Omaha Property & Casualty, Providence
Washington Insurance Company, Royal SunAlliance, Penns Miller, Home State County
Mutual, Crum & Forster, ARI Insurance, GE, First Notice Systems (and any of
their customer accounts), and First Choice Solutions (and any of their customer
accounts).

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                                      TERM

4. The term of this Agreement shall be for a period of five (5) years from the
Effective Date (the "Term"). This Agreement shall be renewed for additional two
(2) year terms unless ClaimsNet notifies CRM that it is terminating the
Agreement at least ninety (90) days prior to the end of the then-current term.

                               OPTION TO PURCHASE

5. During the Term and any extension thereof, ClaimsNet shall have the option
beginning on January 1, 2007 to purchase from CRM the VCMB including but not
limited to the customer list, supplier list and assignment of contracts, and
Technology, which price shall be computed as an amount equal to the fees paid by
ClaimsNet to CRM for the past twenty-four (24) months. ClaimsNet shall assume no
liabilities of CRM, other than those directly related to the operation of the
VCMB and previously incurred by ClaimsNet subsequent to the Effective Date.

                                     PAYMENT

6. ClaimsNet shall pay CRM the following compensation for the entire Term of
this Agreement and any extension thereof:

   a.  Fifty percent (50%) of all administrative fees, excluding auditing,
       appraisal and third party e-commerce fees, collected from CRM Clients,
       beginning February 1, 2003.

   b.  Twenty-five (25%) of all vendor referral fees paid by automobile body
       repair shops for repairs derived from CRM Clients beginning March 1,
       2003.

   c.  Fifteen percent (15%) of all administrative fees and vendor referral fees
       paid by auto body repair shops, derived from New ClaimsNet Clients
       employing the Technology, excluding auditing, appraisal and third party
       E-Commerce fees.

A CRM Client shall be defined as: (i) a client that has entered into a written
agreement with CRM prior to the Effective Date of the Strategic Partnership
Agreement, (ii) a client that has previously been disclosed in writing to
ClaimsNet prior to the Effective Date of the Strategic Partnership Agreement as
set forth in Exhibit C, or (iii) a clientthat enters into a written agreement
with CRM which is approved by ClaimsNet subsequent to the Effective Date of the
Strategic Partnership Agreement, due to the direct sales efforts of CRM or D/S.
A list of CRM clients is set forth in Exhibit D.

A New ClaimsNet Client shall be defined and limited to those new client accounts
acquired by ClaimsNet after the Effective Date of the Agreement that utilize the
Technology to service the New ClaimsNet Client.

The compensation payable to CRM shall be paid monthly no later than the fifteen
(15th) of the month following the previous month in which ClaimsNet collects the
underlying fees for which the compensation is payable. Any compensation not paid
on a timely basis shall accrue interest at the rate of twelve percent (12 %) per
annum from the due date if not paid within 5 days after receipt of written
notice from CRM.

         CRM OBLIGATIONS

7. CRM further agrees:

   a.  To provide no less than one month current salary severance to Todd
       Sternbach and Randy Dunaieff and further, to provide ClaimsNet a credit
       against compensation due CRM as set forth in Paragraphs 6(a), 6(b) and
       6(c) above equal to an amount of one third (1/3) of the monies ClaimsNet
       pays to Todd Sternbach (the "Sales Employee") and Randy Dunaieff (or
       Robert Burrowes in place of Randy Dunaieff) (the "Technology Employee")
       which credit shall be limited to $2,000 per person per month from the
       Effective Date through May 31, 2003 for their continuation of services,
       subsequent to the Effective Date, to support the transition and
       successful servicing of CRM Clients;

   b.  To provide CRM employee information to ClaimsNet on each individual
       assigned to the VCMB and assist ClaimsNet in the recruitment of the
       individuals as requested by ClaimsNet;

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   c.  No later than March 31, 2003, to provide basic documentation for the
       Technology, including third party licensing material, written notes,
       drawings, schemas, reports, educational documentation, and written
       instruction on creating, modifying and maintaining pagedefs;

   d.  To provide the documentation and information for the VCMB, including
       Network shop lists, files, historical claims files, billing information,
       customer information and writings, correspondence, prospective client
       information and all other documentation reasonably requested by
       ClaimsNet;

   e.  To transfer the existing toll free help line telephone number, (877)
       307-0460, to ClaimsNet;

   f.  To transfer the hosting of the VCMB CRM web site, www.driversshield.com,
       to ClaimsNet and provide a hyperlink and naming option to click through
       the D/S website to the CRM website, www.driversshield.com 5 business days
       before the Effective Date, or at ClaimsNet's election and guidelines
       redirect any reference to the VCMB and URLs;

   g.  To lease and deliver to ClaimsNet two (2) servers to operate the
       Technology for a period of up to one (1) year for a cost of $100.00 per
       month for each month used by ClaimsNet. However, ClaimsNet will use all
       commercially reasonable efforts to move the Technology to its own servers
       as quickly as practicable;

   h.  To direct CRM clients to send all VCMB payments to a new lock box
       checking account opened by ClaimsNet under the name of DriverShield CRM
       Corp. at Commerce Bank, in Trevose, PA, regarding billing and
       payment/collections under the current and future CRM customer contracts.
       CRM agrees to sign any and all documents necessary to assign all funds
       received and or payable to CRM under this Agreement to ClaimsNet
       including, but not limited to a power of attorney, bank resolution, or
       any other document required by Commerce Bank. CRM agrees to pay ClaimsNet
       for any payment/collections due ClaimsNet upon receipt by CRM. Both CRM
       and ClaimsNet also agree to provide a list to each other every week of
       all financial transactions regarding VCMB, including a detailed list of
       all deposits accepted by the lock box and provide all the information
       necessary to maintain an audit trail between CRM, ClaimsNet, clients and
       Network shops regarding the VCMB. Notwithstanding anything to the
       contrary, ClaimsNet and CRM agree that for any services provided, fees
       owed and/or repairs completed by CRM prior to the Effective Date or
       commenced prior to the Effective Date, but completed subsequent to the
       Effective Date, CRM may receive payment directly from client for these
       monies owed, or ClaimsNet agrees to forward to CRM any payments that it
       receives that are owed to CRM.

   i.  To deliver to ClaimsNet, CRM warranty and customer survey materials, and
       historical data.

   j.  D/S agrees that so long as it owns its wholly owned subsidiary,
       DriverShield ADS Corp. ("ADS") and ADS offers its DriverShield Auto
       Discount Service program, D/S will offer the ADS program to any of
       ClaimsNet Customers, which terms to ClaimsNet shall be as reflected in
       the attached Exhibit E. D/S agrees that it shall use its best efforts to
       obligate ADS to continue to offer the DriverShield Auto Discount Service
       to any CRM client pursuant to any contractual obligation that CRM has to
       its clients, regardless of D/S' ownership of ADS.

                                       3
<PAGE>

   k.  CRM shall require their Technology employees to complete the following,
       and CRM shall take no action that would interfere with their efforts to
       do the following:
       i.  Document the Technology and provide ClaimsNet with training and
           support on the Technology, with ClaimsNet paying the cost of all CRM
           personnel's travel expenses approved by ClaimsNet in advance,
           including transportation, meals and hotels;
       ii. Assist in the preparation for the relocation of the Technology from
           CRM to ClaimsNet, with ClaimsNet paying the cost of all CRM
           personnel's travel expenses approved by ClaimsNet in advance,
           including transportation, meals and hotels;
       iii. Provide ClaimsNet access to the test version of the Technology
           through the Internet, loaded with claims and Network shops, and
           assist in the installation of the test version of the Technology on
           ClaimsNet's computer at CRM by December 15, 2002;
       iv. Work with ClaimsNet to learn, modify, repair, run, backup, maintain
           and further document the Technology for a period of six (6) months,
           so long as the Technology Employee is so willing pursuant to
           Paragraph 7(a);
       v.  Document the installation procedures for the Technology and assist in
           the installation of the operational version of the Technology at
           ClaimsNet, so long as the Technology Employee is so willing pursuant
           to Paragraph 7(a);
       vi. Document the procedures for shop/vendor list importing into the
           Technology; vii. Document how to process billing invoices and monthly
           administrative fees from the Technology;
       viii. Convert Technology to SQL 2000 by December 27, 2002 for the
           production version;
       ix. New branding, logo and color design alternations for the Technology
           as directed by ClaimsNet, subsequent to the Effective Date, so long
           as the Technology Employee is so willing, pursuant to Paragraph 7(a).

   l.  CRM shall require its sales and support employees to do the following,
       and CRM shall take no action that would interfere with them to do the
       following:
       i.  Introduce ClaimsNet sales and servicing employees to each and every
           client;
       ii. Provide continuing assistance in managing the VCMB client accounts
           for a period of six (6) months after the Effective Date, so long as
           the Sales Employee is so willing, pursuant to Paragraph 7(a);
       iii. Provide continuing business development services after the Effective
           Date for the GEICO and Liberty Mutual opportunities, so long as the
           Sales Employee is so willing, pursuant to Paragraph 7(a);
       iv. Introduce ClaimsNet sales and servicing employees to the Liberty
           Mutual Charlotte , and Bala Cynwyd offices and any other branch
           offices when those branches commence the use of the VCMB program
           after the Effective Date, so long as the Sales Employee is so
           willing, pursuant to Paragraph 7(a).

WARRANTIES AND REPRESENTIONS
----------------------------

8. CRM hereby warrants and represents to ClaimsNet that:

   a.  There are no actions, suits or proceedings pending or threatened or
       notices of any claims of any dispute from EDS;

   b.  There are no actions, suits or proceedings pending or notices of any
       claims threatened against or effecting CRM from any client or vendor;

   c.  There are no actions, suits or proceedings pending or notices of any
       claims threatened against or effecting CRM from any third party software
       or hardware licensors;

   d.  There is no other license for the Technology which has been granted or
       claimed by another party;

                                       4
<PAGE>

   e.  There are no actions, suits or proceedings pending or threatened against
       or effecting CRM before any Court or Arbitrator relating in any matter to
       the VCMB business;

   f.  CRM owns and or has licensed all of the software and applications related
       to the Technology and has the right to enter into this Agreement;

   g.  It has not received notice and has no actual knowledge that the
       Technology infringes upon any patents, copyrights, trademarks, trade
       secrets or the proprietary rights of any third party and there is no
       claim threatened or pending with respect to the Technology;

   h.  CRM possesses or has the right to use all of the patents, trademarks,
       copyrights and application for all Technology and IP used in its VCMB
       business and has the full right and authority to provide ClaimsNet with a
       non-exclusive non-transferable license thereof;

   i.  That it has not entered into any agreement to directly or indirectly
       market, sell, license, or permit the use of the licensed Technology to
       any other party;

   j.  That during the term hereof, CRM will not sell, disclose, license or
       assign the licensed Technology to any competitor of ClaimsNet in the
       VCMB.

         HOLD HARMLESS

9. CRM shall indemnify, defend and hold harmless ClaimsNet from any and all
claims, demands, liabilities, losses, damages, judgments, or settlements,
including all reasonable costs and expenses related thereto, including
attorney's fees, directly or indirectly related to any claim related to VCMB
prior to the Effective Date.

D/S shall indemnify, defend and hold harmless ClaimsNet from any and all claims,
demands, liabilities, losses, damages, judgments, or settlements, including all
reasonable costs and expenses related thereto, including attorney's fees,
directly or indirectly related to any claim related to the obligation of ADS to
offer the DriverShield Auto Discount Service to any CRM client pursuant to any
contractual obligation that CRM has to its clients.

ClaimsNet shall indemnify, defend and hold harmless CRM and D/S from any and all
claims, demands, liabilities, losses, damages, judgments, or settlements,
including all reasonable costs and expenses related thereto, including
attorney's fees, directly or indirectly related to any claim related to VCMB on
or subsequent to the Effective Date. Notwithstanding the above, so long as the
insurance coverages are in force pursuant to Paragraph 11 and the basis of the
claim asserted against D/S and/or CRM creating the need for indemnification by
ClaimsNet is not due to the acts or omissions of ClaimsNet's employees,
ClaimsNet's obligation to indemnify and hold harmless CRM and/or D/S shall be
limited to the coverage provided by the appropriate insurance policy (ies).

                                       5
<PAGE>

CONFIDENTIALITY
---------------

10. CRM shall maintain the confidentiality of all ClaimsNet documents and
information, both written and oral, including but not limited to: products,
systems, intellectual property, proprietary information, Technology, ClaimsNet's
technology and applications, financial information, business methodology,
marketing plans and information, procedures, policies, programs, pricing,
relationships with suppliers, customers, vendors, shop network lists and vendor
lists.

ClaimsNet shall maintain the confidentiality of all CRM documents and
information, both written and oral, including but not limited to: products,
systems, intellectual property, proprietary information, Technology,
applications, financial information, business methodology, marketing plans and
information, procedures, policies, programs, pricing, relationships with
suppliers, customers, vendors, shop network lists and vendor lists.

The parties and their respective subsidiaries, affiliates, directors, officers,
agents and representatives will keep confidential and not disclose to anyone,
except as required by law, the terms and conditions of this Agreement.

         INSURANCE

11.

a. During the Term, any extensions of the Term, at all times that ClaimsNet
performs its obligations pursuant to this Agreement and for three (3) years
following the expiration or termination of this Agreement for any reason,
ClaimsNet will maintain in full force and effect, at ClaimsNet's own expense,
insurance coverage as specified in this Paragraph and in the Certificate of
Liability Insurance attached to this Agreement as Exhibit F.

b. Errors and Omissions. CRM will continue to maintain its Errors and Omissions
policy through January 8, 2003, naming ClaimsNet as an additional insured and
thereafter, ClaimsNet shall maintain its own Errors and Omissions policy with
minimum coverage equal to $1 million and naming CRM and D/S as additional
insureds.

c. Certificates of Insurance. Certificates of Insurance evidencing the required
coverage and limits must be furnished to CRM and D/S prior to the Effective Date
and attached as Exhibit F, except for the Errors and Omissions policy that will
be supplied after January 8, 2003 and at such other times as requested by CRM
and D/S. Such Certificates of Insurance will provide CRM and D/S thirty (30)
days written notice prior to cancellation of such policies. All insurance
policies will be written by a company authorized to do business in the territory
and jurisdiction where the project is located. ClaimsNet will furnish copies of
any endorsements subsequently issued which amend coverage or limits.

                             LIMITATION OF LIABILITY
                             -----------------------

12. ClaimsNet, Inc. shall not be responsible for any monetary claims and/or
damages that arise from the obligations under this Agreement, except as set
forth in Paragraphs 6, 9 and 12 hereof, the Proprietary Software License
Agreement and the Trademark License Agreement.

   a.  Except as set forth in the Paragraph 9 and 12(c) hereof, D/S and CRM
       shall not be responsible for any monetary claims or damages that arise
       from the obligations under this Agreement, the Proprietary Software
       License Agreement and the Trademark License Agreement, in excess of the
       amount of monies paid (past or future payments) to CRM by ClaimsNet
       pursuant to this Agreement.

   b.  Notwithstanding anything contained herein to the contrary, ClaimsNet
       shall be entitled to a right of offset for any monies due CRM under this
       Agreement for any claims or damages as a result of D/S or CRM's breach of
       its obligations under this Agreement until all damages have been
       satisfied.

                                       6
<PAGE>

   c.  ClaimsNet shall assume no liabilities of CRM or D/S other than those
       directly related to the operation of the VCMB and previously incurred by
       ClaimsNet subsequent to the Effective Date.

         MISCELLANEOUS PROVISIONS

13. This Agreement is binding upon the parties hereto and their successors. This
Agreement may not be assigned in whole or in part by ClaimsNet without the prior
written consent of CRM, except to an affiliate of ClaimsNet. Any assignment,
delegation or transfer of this Agreement or any interest therein without written
consent of CRM is void and cause for termination of this Agreement. Nothing in
this Agreement shall be construed to grant any person or entity not a party
hereto any rights or powers whatsoever, and no person or entity shall be a third
party beneficiary of this Agreement. This Agreement may not be assigned by CRM
to a competitor of ClaimsNet without ClaimsNet's prior written consent.

14. The parties hereby acknowledge that D/S will disclose this Agreement to the
Securities and Exchange Commission as a material contract. Additionally, the
parties acknowledge that D/S will issue a press release announcing this
Agreement. The contents of the press release shall be approved by ClaimsNet,
which approval shall not be unreasonably withheld.

15. Governing Law; Arbitration.

Any dispute, controversy or claim arising under, out of, in connection with or
in relation to this Agreement, or the breach, termination, validity or
enforceability of any provision hereof (a "Dispute"), if not resolved informally
through negotiation between the parties, will be submitted to non-binding
mediation. The parties will mutually determine who the mediator will be from a
list of mediators obtained from the American Arbitration Association office
located in the city determined as set forth below in this Paragraph 15 (the
"AAA"). If the parties are unable to agree on the mediator, the mediator will be
selected by the AAA. If any Dispute is not resolved through mediation, it will
be resolved by final and binding arbitration conducted in accordance with and
subject to the Commercial Arbitration Rules of the AAA then applicable. One
arbitrator will be selected by the parties' mutual agreement or, failing that,
by the AAA, and the arbitrator will allow such discovery as is appropriate,
consistent with the purposes of arbitration in accomplishing fair, speedy and
cost effective resolution of disputes. The arbitrator will reference the rules
of evidence of the Federal Rules of Civil Procedure then in effect in setting
the scope of discovery, except that no requests for admissions will be permitted
and interrogatories will be limited to identifying (a) persons with knowledge of
relevant facts and (b) expert witnesses and their opinions and the bases
therefor. Judgment upon the award rendered in any such arbitration may be
entered in any court having jurisdiction thereof. Any negotiation, mediation or
arbitration conducted pursuant to this Paragraph 15 and initiated by CRM or D/S
will take place in Philadelphia County, PA, and in Broward County, FL if
initiated by ClaimsNet. Other than those matters involving injunctive relief or
any action necessary to enforce the award of the arbitrator, the parties agree
that the provisions of this Paragraph 15 are a complete defense to any suit,
action or other proceeding instituted in any court or before any administrative
tribunal with respect to any Dispute or the performance by either party of its
obligations herein. Each party acknowledges and agrees that the other party may
seek injunctive relief in order to enforce the covenants set forth in Paragraph
10 or to enforce their respective rights under the Proprietary Software License
Agreement and the Trademark License Agreement both dated as of the date hereof.
The parties also agree that the AAA Optional Rules for Emergency Measures of
Protection shall apply to the proceedings.

16. Records. ClaimsNet agrees to maintain accurate records (i) arising from or
related to operating the VCMB provided hereunder, including, without limitation,
client and repair network contracts, accounting records and documentation
produced in connection with the rendering of any services pursuant to operating
the VCMB; and (ii) all books, records, financial statements

                                       7
<PAGE>

and related to the VCMB and give CRM full access to review such records upon
CRM's or D/S' request. ClaimsNet agrees to provide CRM the following reports on
a monthly basis: (a) Monthly Invoice Register, (b) Accounts Receivable Aging,
(c) Cash Receipts and Lockbox Registers, (d) Accounts Payable aging Monthly,
detail and summary format, (e) Check Register, (f) Reports of new clients added
and clients lost.

17. The provisions of this Agreement are severable. If any provision of this
Agreement is held to be invalid, illegal, or unenforceable, the validity,
legality or enforceability of the remaining provisions shall in no way be
affected or impaired thereby. The provisions in Paragraph 9, 10, 11, 12, 15 and
19 shall survive termination or expiration of this Agreement.

18. This Agreement constitutes the entire Agreement of the parties with respect
to the subject matter hereof and there are no representations other than those
set forth herein and the Agreement may not be changed except in writing signed
by the parties.

19. Notices. Any notices, requests, demands or other communications required by
or made under this Agreement shall be in writing and shall be deemed to have
been duly given i) on the date of service if served personally on the party to
whom notice is to be given ii) on the day of transmission if sent via facsimile
transmission to the facsimile number given below, and telephonic confirmation or
receipt is obtained promptly after completion of transmission, or iii) on the
day after delivery to Federal Express or similar overnight courier or the
Express Mail service maintained by the U.S. Postal Service, to the party as
follows:

          If to CRM and/or D/S:

                  Mr. Barry Siegel
                  DriverShield Corp.
                  DriverShield CRM Corp.
                  12514 West Atlantic Blvd
                  Coral Springs, Florida 33071
                  Facsimile: (954) 752-6544

          with a copy to:

                  Lawrence A. Muenz, Esquire
                  Meritz & Muenz LLP
                  Three Hughes Place
                  Dix Hills, New York 11746
                  Facsimile:  (631) 242-6715

          If to ClaimsNet:

                  Mr. Wayne Smolda
                  The ClaimsNet, Inc.

                  4850 Street Rd
                  Tower One
                  Trevose, PA 19053

          With a required copy to:

                  Paul N. Sandler, Esquire
                  Sandler Marchesini, PC
                  1429 Walnut St, 16th Floor
                  Philadelphia, PA  19102

                                       8
<PAGE>

IN WITNESS WHREREOF, intending to be legally bound hereby, the parties hereto
set their hands and seals on the date indicated next to their signature.

                                    DRIVERSHIELD CRM CORP.

Date__________                      By:___________________________

                                    DRIVERSHIELD CORP.
                                    [For purposes of Paragraph 7(f) and (j),
                                    and 12 only]

Date__________                      By:___________________________

                                    THE CLAIMSNET, INC.

Date__________                      By:___________________________

                                    DriverShield ADS Corp.
                                    [For purpose of Paragraph 9 and Exhibit E
                                    only]

Date__________                      By:___________________________

                                       9
<PAGE>

                                                                       Exhibit C
                                                                       ---------

                              POTENTIAL CRM CLIENTS
                              ---------------------

     1.  Geico

     2.  Wawaunesa

     3.  AIG - Specialty Auto

     4.  Cambridge Integrated Services Group

     5.  Pekin

     6.  Cameron

     7.  Farm Family Insurance

     8.  Hasting Mutual

     9.  Auto Owners Insurance Company

    10.  Travelers P & C

    11.  Merchants Insurance

    12.  Austin Mutual

    13.  Guide One

    14.  Sentry Insurance

    15.  Vesta

                                       10
<PAGE>

                                                                       EXHIBIT D
                                                                       ---------

                                CRM Clients List
                                ----------------

     1.  The St. Paul Fire & Marine Insurance Companies

     2.  Liberty Mutual Insurance Co.

     3.  Employers Insurance of Wausau

     4.  Bankers Insurance Company

     5.  Farmers Alliance Companies

     6.  AIG

                                       11
<PAGE>

                                                                       EXHIBIT E
                                                                       ---------

                               MARKETING AGREEMENT
                               -------------------

                                 BY AND BETWEEN

                             DRIVERSHIELD ADS CORP.

                                       AND

                              CLAIMSNET GROUP INC.

       MEMBERSHIP FEES FOR THE DRIVERSHIELD AUTO DISCOUNT SERVICE PROGRAM
       ------------------------------------------------------------------

   Plan A - $12 per membership per year, or $1 per month (Individual and Spouse)

o Collision Damage Repair Benefit
o Driver Discount Benefits
o Auto Advice Hotline
o Custom Trip Routing
o Hotel Discounts
o Dining Discounts
o Car Rental Discounts
o New and Used Car Buying Service
o $1,000 Trip Interruption / Accident Coverage
o $1,000 Trip Interruption / Stolen Auto
o 24 Hour Roadside Assistance "Dispatch Only"

   Plan B - $21 per membership per year, or $1.75 per month (Individual and
   Spouse)

o Collision Damage Repair Benefit
o Driver Discount Benefits
o Auto Advice Hotline
o Custom Trip Routing
o Hotel Discounts
o Dining Discounts
o Car Rental Discounts
o New and Used Car Buying Service
o $1,000 Trip Interruption / Accident coverage
o $1,000 Trip Interruption / Stolen Auto
o 24- Hour Roadside Assistance "Sign and Drive" with $50 per occurrence
  coverage ( 3 uses per year )

                                       12
<PAGE>

                                                                       EXHIBIT E
                                                                       ---------
                                                                        (PAGE 2)
Fulfillment expense is the responsibility of the Marketer.

THE DRIVERSHIELD PROGRAM FEE MAY CHANGE DURING THE TERM OF THIS AGREEMENT SHOULD
MEMBERSHIP BENEFITS BE ADDED OR DELETED BY ADS. ANY SUCH CHANGE BY ADS SHALL BE
COMMUNICATED IN WRITING TO CLAIMSNET AT LEAST 60 DAYS IN ADVANCE OF THE
EFFECTIVE DATE OF SUCH CHANGE. PRIOR TO NINETY (90) DAYS BEFORE THE EXPIRATION
OF THE TERM, THE ADS MAY CHANGE THE PROGRAM FEE THAT WILL BECOME EFFECTIVE UPON
THE COMMENCEMENT OF THE NEW TERM. ANY INCREASE IN THE PROGRAM FEES OR DECREASE
IN PROGRAM BENEFITS OR SERVICES, IF DEEMED MATERIAL BY CLAIMSNET, MAY RESULT IN
THE TERMINATION OF THE AGREEMENT, AT CLAIMSNET'S SOLE DISCRETION.

The following information is needed for new enrollees:

o Name
o Address
o Telephone Number
o Account Number
o Effective Date
o Termination Date  (based on billing mode i.e. annual, monthly etc.)
o Payment Amount

                                       13

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