Document:

U.S.
                Order Form 

            	
              FIC
                LR # 29097 

            
	
              Order
                Form Number: 0629097

            	
              Page
                1

            

    

     

    LiquidCredit® 
      Service:
      decision engine for Small Business

    Order
      Form

    

    This
      Order Form, effective as of May
      15,
      2004 (“Effective
      Date”), is
      made and entered pursuant to Hosted
      Services
      Agreement (Version 1.5) (collectively “Agreement”) dated
      as
      of May
      15,
      2004, between
      Fair Isaac
      Corporation(“FIC”)
      and
      Federated
      Investors Insurance Company
      (“Client”).

    

    
      
        	1	
                
                

              

      

    

    

    
      
        	1.1	
                Product
                  Description. The
                  FIC product known as LiquidCredit Service: decision
                  engine for Small Business
                  software (the “Service”) is accessed via FIC’s
                  secure
                  Internet web service. Client enters applications which may be submitted
                  from the Client’s web site browser, application screen
                  or FIC’s optional SBSS Interface. The Service
                  features functionality that validates an application for
                  completeness, obtains a credit bureau report(s) and/or business
                  bureau report(s), scores the application through an embedded Model
                  and
                  returns a score available bureau data,
                  and if such functionality is used - product matches, if any, through
                  the
                  Service’s application program
                  interface (“API”).

              

      

    

    

    
      
        
          	1.2	
                  Definitions.
                    In addition to terms defined in the Agreement, the following
                    terms will
                    have the meanings set forth
                    below. Other terms may be defined in context within this Order
                    Form:

                

        

      

    

    

    “API”
      means the application program interface for the FIC
      Product which allows Client’s application programs to communicate with the FIC
      Product’s operating system.

    

    “Documentation”
      means one set of the “LiquidCredit API
      Guide” and the “Getting Started
      Guide,” delivered
      electronically by FIC to Client.

    

    “FIC
      Product” means for the purposes of this Order Form, the computer
      software program, whether in source
      or
      object code, and the FIC Product API, as described above.

    

    “Model”
      means a mathematical expression (algorithm, formula), or a system of
      mathematical expressions, that
      describe(s) a relationship between predictive or
      descriptive variables and an outcome of interest.
      A Model consists of a table of characteristics divided into exclusive responses
      each
      of
      which has a numerical value and sums up
      to a
      score. Models include all documentation and any reports or
      other
      documentation as described
      in this Order Form.

     

    “Passwords”
      means digital security certificates or other such
      security measures implemented
      to ensure security
      and privacy of Client’s data. For the purposes of this Agreement,
      Passwords shall be deemed Confidential Information.

    

    “Territory”
      means the United States.

    

    “Work
      Product” means any report, custom code, custom documentation,
numeric
      score, generated by an FIC
      product, or other deliverable developed for Client and provided
      by FIC under any Order Form, including any updates
      and modifications thereof.

     

    
      
        FIC
          Confidential Information

        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      
        	
                U.S.
                  Order Form 

              	
                FIC
                  LR # _______ 

              
	
                Order
                  Form Number: ________

              	
                Page
                  2

              

      

    

     

    
      
        	2.0	
                PRICING:
                  

              

      

    

     

    
      
        
          	2.1	
                  Service
                    Fees

                

        

      

       

    

    
      	Product/Service	 	
              Item
                #

            	 	
              Initial
                Term

            	 	
               Quantity

            	 	
               Price

            	 	
               Total

            
	
              Liquid
                Credit Service Fees

            	 	 	 	 	 	 	 	 	 	 
	
              	
                  Monthly
                    Minimum Fee

                

            	
            	
              065-DSAM-82

            	
            	
               5
                years

            	
            	
              Year
                1
                1st6thmonth:
15apps/month

              

            	
            	
              Year
                1
                1st6thmonth:
$324/month

              

            	
            	
              Year
                1
$6,480

            
	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
              7th12thmonth:

              35
                apps/month

            	 	
              7th12thmonth:

              $756/month

            	 	 
	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	
              Years
                2-5
35 apps/month

            	 	
              Years
                2-5
$756/month

            	 	
              Years
                2-5
$9,072

            
	 	 	 	 	 	 	 	 	 	 	 
	
              	Monthly Usage Fee

            	 	
              065-DSUG-82

            	 	
               5
                years

            	 	
               N/A

            	 	
               See
                Chart 1

            	 	
              As
                
Incurred

            
	 	 	 	 	 	 	 	 	 	 	 
	
              	App Rescore Fee

            	 	
              065-DSAR-82

            	 	
               5
                years

            	 	
               N/A

            	 	
               See
                Chart 1

            	 	
              As
                
Incurred

            
	 	 	 	 	 	 	 	 	 	 	 
	
              Mandatory
                Implementation Fee (one
                time fee)

            	
               

            	
              065-IMPL-82

            	 	
               N/A

            	 	
               N/A

            	 	
               $15,000

            	 	
               $7,500
 
                (approved
                discount)

            
	 	 	 	 	 	 	 	 	 	 	 
	
              Mandatory
                SBSS  Fundamentals

              Web-Based
                Training (services

              are
                described in Statement of

              Work
                attached in Exhibit 3)

            	 	
               065-TRWB-06

            	 	
               N/A

            	 	
               N/A

            	 	
              3
                day -2 hours

              per
                day Group

              Placewant

              Training
                (2-3

              users
                per PC)

              for
                $1,000/PC

            	 	
               $1,000)

            
	 	 	 	 	 	 	 	 	 	 	 
	
              x
                Optional SBSS 6.0 Upgrade

              Service

            	
               

            	
               065-DSUG-82

            	 	
              5
                years

            	 	
               N/A

            	 	
              See
                Section

              2.8

            	 	
              As

              Incurred

            
	 	 	 	 	 	 	 	 	 	 	 
	o
Optional
              SBSS Interface	 	
               065-BIRG-00

            	 	
               5
                years

            	 	
               N/A

            	 	
              See
                Section

              2.9

            	 	
              As

              Incurred

            
	
              TOTAL
                (U.S.
                dollars)
                to
                be
                invoiced upon execution

            	 	
              Yr
                1=

              $14,980

            

    

     

    
      
        	2.2	
                Invoicing:

              

      

    

     

    
      	·  	
              Except
                as stated, 100% of the Monthly Minimum Fee for the first year and
                all
                other fees will be invoiced upon full execution of this Order
                Form.

            

    

    
      	·  	
              Monthly
                Minimum Fee for Subsequent Years. 100% of the Monthly Minimum Fee
                for
                subsequent years will be invoiced at the beginning of the applicable
                anniversary of the Commencement
                Date.

            

    

    
      	·  	
              App
                Rescore Fee. The App Rescore Fee will be invoiced on a monthly basis,
                as
                incurred in addition to the Monthly Minimum
                Fee.

            

    

    
      	·  	
              SBSS
                6.0 Upgrade Fee (optional). The SBSS 6.0 Upgrade Fee will be invoiced
                on a
                monthly basis, as incurred,
                in addition to the greater of the Monthly Minimum Fee or Monthly
                Usage
                Fee.

            

    

    
      	·  	
              SBSS
                Interface Fee (optional). The SBSS Interface Fee will be invoiced
                on a
                monthly basis, as incurred, in addition
                to the greater of the Monthly Minimum Fee or Monthly Usage
                Fee.

            

    

    
      	·  	
              If
                the Monthly Usage Fee is greater than the Monthly Minimum Fee for
                any
                given month, the difference will
                be invoiced monthly after the Commencement
                Date.

            

2.3
      Liquid
      Credit Service
      fees include:

    
      	·  	
              Client
                Support per Service Level Agreement attached hereto as Exhibit
                1.

            

    

    
      	·  	
              One
                time allotment of up to 10 digital security
                certificates.

            

    

    
      	·  	
              One
                set of user Documentation, delivered
                electronically.

            

    

     

     

    
      
        FIC
          Confidential Information

        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      
        
          	
                  U.S.
                    Order Form 

                	
                  FIC
                    LR # _______ 

                
	
                  Order
                    Form Number: ________

                	
                  Page
                    3

                

        

      

       

      
        
          	2.4	
                  The
                    implementation fee includes: The following services during
                    Regular Business Hours (as defined in Exhibit
                    B):

                

        

      

    

     

    
      	·  	
              60
                hours of implementation support commencing after the full execution
                of
                this Order Form and the assignment
                of an implementation manager to assist Client’s development team
                in creating an interface to
                the Service, to address technical questions and to explain testing,
                as
                more
                fully set forth in Section 3.6
                (Implementation).

            

    

    

    Chart
      1:
      Monthly Usage Fees

    

      
        	
                Tier
                  Level

              	 	
                Monthly
                  Application

                Volume

              	 	
                Standard

                Application
                  Fee

              	 	
                Rescore
                  Fee

                (30%
                  of Standard

                Application
                  Fee)

              
	 	 	
                Min

              	 	
                Max

              	 	 	 	 
	
                1

              	 	
                0

              	 	
                85

              	 	
                $
                  21.60

              	 	
                $6.48

              
	
                2

              	 	
                86

              	 	
                340

              	 	
                $
                  14.85

              	 	
                $4.46

              
	
                3

              	 	
                341

              	 	
                850

              	 	
                $
                  11.00

              	 	
                $
                  3.30

              
	
                4

              	 	
                851

              	 	
                3,400

              	 	
                $ 
                  5.50

              	 	
                $
                  1.65

              
	
                5

              	 	
                3,401

              	 	
                6,500

              	 	
                $ 
                  2.20

              	 	
                $
                  0.66

              
	
                6

              	 	
                6,501
                  +

              	 	
                 

              	 	
                
                  $
                    1.10

                

              	 	
                $ 
                  0.33

              

      

    

     

    
      
        	2.5	
                Minimum
                  Application Volume. A
                  minimum application volume as follows shall apply: Months 1-6 of
                  Year 1
                  =
                  15 applications per month, Months 7-12 of Year 1 = 35 applications
                  per month, Years 2-5 = 35 applications per
                  month. Application volume shall reset to zero each
                  month.

              

      

    

     

    
      	·  	
              Application
                usage fees are based on a marginalized pricing structure. Client
                must
                purchase all applications at
                each of the prior tier’s pricing before moving onto the next tier’s
                pricing. For example: Standard application
                fee for 341 total applications = [85 applications x $21.60 (tier
                1) =
                $1,836] + [255 applications x
                $14.85 (tier 2) = $3,786.75] + [1 applications x $11.00 (tier 3) =
                $11] =$5,633,75.

            

    

     

    
      
        
          	2.6	
                  
                    Definitionof
                      Billable Application.
                      A billable “Application” is any successful XML submission to the Service.
                      A
                      successful XML submission is one that has been deemed 000 (successful,
                      no
                      warnings) or  001 (successful, warnings)
                      as described in the FIC LiquidCredit API Guide. The Service
                      counts the
                      number of successful Applications
                      submitted to the Service. Client acknowledges that applications
                      submitted
                      multiple times to the Service,
                      and multiple elements of applications generating warnings under
                      the
                      Service, may be counted as multiple
                      billable Applications depending on the API call used. The Application
                      Fee
                      will be charged for each Application
                      unless the Rescore (as defined below)
                      API is
                      used for submissions to the Service subsequent to the initial
                      submission.

                  

                

        

      

    

     

    
      
        	2.7	
                Rescore
                  Fee.
                  If Client rescores an Application, the Rescore Fee is 30% of the
                  Application Fee of the highest level
                  volume tier reached each month, in addition to the Usage Fee. For
                  example:
                  341 applications/month with 100 rescored applications = $5,633.75
                  [see
                  calculation above for 341 applications] + [100 applications x $3.30
                  (tier
                  3) = $330] = $5,963.75.

              

      

    

     

    
      	·  	
              Definition
                of
                Rescore. A
                “Rescore” Application is an Application that is resubmitted within
                thirty (30) days
                of its initial submission through the Service for reprocessing by
                the
                Service using the designated Rescore
                API call into the Service in accordance with the user documentation.
                A
                Rescore Application will be subject to the Rescore Fee set forth
                in
                Chart 1 above. Previously submitted Applications that are
                resubmitted
                after the thirty (30) day window are not considered “Restore” Applications
                and will be priced
                at the Standard Application Fee set forth in Chart 1 above. A
                successful “Rescore Application is deemed
                000 (successful, no warnings) or 001 (successful, warnings) as described
                in the FIC LiquidCredit
                API Guide.

            

    

    
      	·  	
              Rescore
                Functionality Availability. Client may utilize the Rescore
                functionality and will be charged the
                reduced Rescore Fees only if Client or its Implementer/Alliance Partner
                programs to the Service’s Rescore
                API. If Client or its Implementer-Alliance Partner does not implement
                the
                Rescore API, all Applications
                will be charged the Standard Application
                Fee.

            

    

     

    
      
        	2.8	
                SBSS
                  6.0 Upgrade Fee (optional). If Client chooses to use the SBSS 6.0
                  Upgrade service in conjunction with the
                  SBSS 6.0 models, the SBSS Upgrade Fee is 25% of the greater of
                  the Monthly
                  Minimum Fee or the Monthly
                  Usage Fee.

              

      

    

     

    
      
        FIC
          Confidential Information

        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      
        
          	
                  U.S.
                    Order Form 

                	
                  FIC
                    LR # _______ 

                
	
                  Order
                    Form Number: ________

                	
                  Page
                    4

                

        

      

       

    

    
      	
            	·	
              Definition
                of SBSS 6.0 Upgrade
                Service.
                The
                SBSS 6.0 Upgrade service is an optional service. By signing
                up for the SBSS 6.0 Upgrade service, a Client is given permission
                access
                through the Service. The SBSS 6.0 Upgrade service includes the ability
                to
                access both the SBSS 6.0 Startup Models (and scores)
                and the SBSS 6.0 Credit Offer
                Index.

            

    

     

    
      	
            	·	
              Definition
                of
                SBSS
                6.0 Startup Models. The
                SBSS 6.0 Startup Models produce a SBSS Startup score. A SBSS 6.0
                Startup
                score is an SBSS score specifically focused on assessing the propensity
                to
                repay risk of
                start up small businesses. As part of the API call to the Service,
                Client
                identifies which version of SBSS models to use, and if SBSS 6.0 is
                selected, whether the standard SBSS 6.0 score of an
                SBSS 6.0 Startup score is to be
                used.

            

    

     

    
      	
            	·	
              Definition
                of SBSS
                6.0 Credit Offer Index.
                The SBSS 6.0 Credit Offer Index is a benchmark measure to
                help evaluate the capacity risk of a small business applying for
                a term
                loan, line of credit, or commercial
                card. The SBSS 6.0 Credit Offer Index
                uses the SBSS 6.0 score in conjunction with various
                data
                elements from the application, financial, consumer bureau and business
                bureau reports, compares those
                results to small businesses of similar profile, and then a percentile
                ranking and a median loan amount are generated by the Service and
                returned
                as part of the API output. A SBSS 6. Credit Offer Index
                is generated only if an SBSS 6.0 score is
                generated.

            

    

     

    
      	
              2.9

            	
              SBSS
                Interface (optional).
                If Client chooses to use SBSS Interface in conjunction with the Service,
                the SBSS

            

    

     

    Interface
      Fee is 20% of the greater of the Monthly Minimum Fee or the Monthly Usage
      Fee.

     

    
      	
            	·	
              Definition
                of SBSS Interface.
                The SBSS Interface is a web based application that Client users log
                into
                and
                use to input small business applications. The SBSS Interface has
                the
                ability to request from the Service a look up of a business’ DUNS number
                or Experian Business number and credit bureau data and
                to submit applications to and receive results from the Service. Among
                other data, successful Applications
                receive an SBSS score and reason codes, which are displayed by the
                SBSS
                Interface.

            

    

     

    
      	
            	·	
              Rescore
                functionality
                is not available with this
                option.

            

    

     

    
      	
              2.10

            	
              Estimated
                Monthly Volume
                Usage:

            

    

     

    
      	
            	·	
              Approximate
                number of applications per month for initial
                term.

            

    

     

            _______________
      Minimum      _______________
      Maximum                 
150             
  Average 

     

    
      	
            	·	
              Name
                of Alliance Partner or Integrator, if
                any:_________________________

            

    

     

    
      	
              3.

            	
              OTHER:

            

    

     

    
      	
              3.1

            	
              Service
                Term. The
                term for the Service commences upon the date Client is granted access
                to
                the Service (“Commencement Date”) which shall be the earlier of: (a) the
                date Client is provided production mode access
                to the Service; or (b) 60 days after this Order Form is signed by
                the
                parties and shall continue for the term
                in Section 2 (Pricing) of the Order Form, unless earlier terminated
                as
                provided below. The term renews automatically
                for consecutive one (1) year terms unless either party gives the
                other
                party 60 days’ written notice
                prior to the end of the current term of its intent not to renew.
                Renewal
                fees are subject to change upon 60
                days’ written notice prior to the end of the current term and will be
                invoiced in advance. Access to the Service
                and passwords (if applicable) is contingent upon payment of all applicable
                renewal lees.

            

    

     

    
      	
              3.2

            	
              Grant
                of Licenses.
                Subject to the terms
                and conditions of this Agreement, upon
                the Commencement Date, FIC
                hereby grants to Client, effective during the Term, a non-exclusive,
                non-transferable, limited license to access,
                use, perform and display the Service, the Work Product and the
                Documentation, only within the Territory
                for the purpose of submitting an application for a score, or for
                such
                other information which may be returned
                by the Service, or for such other purposes contemplated under this
                Agreement. Client may only use the
                Service to analyze data associated with accounts that Client owns
                and
                controls or with applications for accounts
                to be owned and controlled by Client and not in a service bureau
                environment on behalf of any third
                party.

            

    

     

    
      	
              3.3

            	
              License
                Restrictions.
                Except as expressly stated herein, Client warrants that Client and
                its
                employees, representatives,
                contractors, and/or agents: (i) shall not in any way use the FIC
                Product,
                Work Product or Documentation other than within the scope of the
                licenses
                granted by FIC, (ii) shall not in any way alter, change,
                modify, adapt, translate, or make derivative works of the FIC Product,
                Work Product and/or Documentation; (iii) shall not with respect to
                the FIC
                Product actually or attempt to reverse engineer, decompile,
                disassemble, or reduce any object
                code
                to human perceivable form or permit others to do so; provided
                that if, required by applicable law, upon Client’s prior written request,
                FIC shall, for a nominal administrative
                charge, provide information required for Client to achieve
                interoperability between the FIC Product
                and other software of Client; (iv) shall not sublicense or operate
                any FIC
                Product or Work Product for
                timesharing, rental, outsourcing, or service bureau operations, or
                to
                train persons other than permitted users;
                (v) shall not disclose (other than within Client’s organization for
                Client’s own internal business purposes)
                or publish performance benchmark results for any FIC Product and/or
                Work
                Product without FIC’s prior
                written consent; or (vi) shall not use any provided third party software
                except solely in conjunction with the
                permitted use of the FIC
                Product.

            

    

     

     

    
      
        FIC
          Confidential Information

        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      
        
          	
                  U.S.
                    Order Form 

                	
                  FIC
                    LR # _______ 

                
	
                  Order
                    Form Number: ________

                	
                  Page
                    5

                

        

      

       

    

    
      	
              3.4

            	
              Volume
                Tier Pricing. Subject
                to any minimum fees owed, if applicable, Client shall pay for the
                actual volume
                used and will be invoiced for the difference between the actual volume
                and
                any minimum fees. FIC shall
                have the right upon reasonable notice and during Client’s normal business
                hours to inspect Client’s facilities
                to ascertain compliance
                with the terms
                of
                this Agreement.

            

    

     

    
      	
              3.5

            	
              Payment
                Terms. Unless
                otherwise provided in this Order Form, the payment terms for this,
                Order
                Form can be
                found in Section 2 of the Hosted Services
                Agreement.

            

    

     

    
      	
              3.6

            	
              Implementation.
                FIC will provide Client
                with the following implementation services. FIC will provide
                Client
                with documentation detailing the tasks Client must complete prior
                to
                initiating the Service. Client shall appoint
                a primary service liaison for the duration of the Service. Client
                may
                change its liaison by
                giving FIC written
                notice of the change. If mandatory training is required, Client must
                participate in such training prior to accessing the Service. Once
                Client
                has completed the items required for initiation, Client shall
                coordinate with
                FIC to test the connection to the Service and the credit reporting
                agency(ies). Once testing is completed, FIC will issue a “Notice of
                Implementation Completion” and Client will be granted production mode
                access.

            

    

     

    
      	
              3.7

            	
              Digital
                Security Certificates.
                Client will receive an allotment of 10 digital security certificates
                (“Passwords”).
                Passwords must be renewed each year. If more than 10 Passwords are
                required, Client may order
                Passwords for an additional fee. Client is solely responsible for
                the
                security and proper use of its Password(s),
                and must take all steps necessary to ensure that the Password(s)
                are kept
                secure, confidential,
                used
                properly and not disclosed to unauthorized persons. Client shall
                immediately notify FIC if there is any reason
                to believe that the Password(s) have become known to unauthorized
                users.

            

    

     

    
      	
              3.8

            	
              Client
                Responsibilities. Client
                is solely responsible for contracting with the appropriate consumer
                reporting agency(ies)
                and business bureau(s) for purchase and delivery of consumer credit
                bureau, and/or business bureau
                reports and of FIC scores. FIC shall have no obligation to Client
                in the
                event that any of
                the consumer reporting
                agencies or business bureaus cease offering consumer credit or business
                bureau reports or FIC scores.
                FIC does not guarantee the accuracy or completeness of the credit
                bureau
                or business bureau records which
                are scored using the Service. If a consumer credit bureau score or
                other
                consumer reporting agency data
                is included in the decision engine service, Client certifies that
                it has a
                permissible purpose
                as
                required by the federal Fair Credit Reporting Act (“FCRA”),
                and
                any consent required under state law, for obtaining the consumer
                reports, and that all use of same shall be in strict accordance with
                said
                laws. The factors that are provided
                by FIC as significantly contributing to
                the credit risk score may be disclosed to consumers as the reasons
                for taking adverse action, as required by the Equal Credit Opportunity
                Act
                (“ECOA’’) and
                Regulation B
                (“Reg. B”).
                However,
                the score itself is proprietary, and may not be disclosed or used
                as the
                reason for adverse
                action under Reg. B. Client agrees that all score
                and Model information
                it receives
                will be held in confidence
                except to the extent that disclosure to others is required by
                law.

            

    

     

    
      	
              3.9

            	
              Client
                Obligations for the SBSS Interface. If
                Client purchases the SBSS Interface, in order
                to ensure successful
                implementation of Client’s credit criteria into the Service, Client must
                complete the following tasks
                within twenty (20) calendar days of execution of this Order
                Form:

            

    

     

    
      	
            	·	
              Provide
                member number(s) and password(s) for credit bureau(s) and other
                third-party data provider(s).

            

    

     

    
      	
            	·	
              If
                Client is using the Credit Policy Setup then Client must provide
                complete
                credit  Policy setup
                criteria to facilitate
                automation within the Service.

            

    

     

    In
      the
      event that Client
      does
      not
      complete the above tasks within the prescribed time frames
      and such
      failure results
      in a delay of the completion of the SBSS Interface installation, FIC shall
      be
      entitled,
      in its sole discretion,
      to commence billing of and Client shall pay the Monthly Minimum Fees set forth
      in Section
      2 above.

     

    
      	
              3.10

            	
              Additional
                Responsibilities. Client
                further agrees: (a) to purchase and maintain current its own Internet
                access
                to the Service; and (b) to be responsible for the installation, operation,
                security and maintenance
                of any computer
                network and digital security certificates and passwords (if
                issued) used
                by Client to access or perform,
                as applicable, the Service; and (c) to provide FIC with prompt
                notification of any problems regarding
                the Service. Client is responsible for any damage caused by a  security
                breach through Client’s failure
                to maintain commercially acceptable security measures and Client
                indemnifies and holds FIC harmless from
                any compromise of Client’s security in this
                event.

            

    

     

    
      	
              3.11

            	
              Support
                and Maintenance.
                FIC will provide Support for the Service in accordance with Exhibit
                1

            

    

     

    
      	
              3.12

            	
              Performance
                Data.
                Client shall provide performance data to FIC upon FIC’s written request
                for the purposes
                allowed under the Agreement.

            

    

     

    
      	
              3.13

            	
              Data
                Confidentiality. In
                addition to the obligations imposed upon FIC with respect to confidential
                information under the Agreement and any Confidentiality Agreement,
                FIC
                agrees that any usage of Client’s customer record data shall be limited to
                the production of products and services for Client’s own proprietary use
                or for general product research and development, and that, except
                for
                production of products and services for
                Client’s own proprietary use, in no case will any use be made or
                cognizance be taken of the identity of individuals
                or institutions whose records are utilized. Client may elect to transmit
                any such records to FIC with
                the identification fields deleted so long as a match key exists on
                all
                data files provided to  FIC.

            

    

     

    
      
        FIC
          Confidential Information

        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    
       

      
        
          
            	
                    U.S.
                      Order Form 

                  	
                    FIC
                      LR # _______ 

                  
	
                    Order
                      Form Number: ________

                  	
                    Page
                      6

                  

          

        

         

      

      
        	
                3.14

              	
                Use
                  of Client Data.
                  FIC
                  shall not use or disclose Client’s consumer “nonpublic personal
                  information” (“NPI”)
                  as
                  that term is defined in the Gramm-Leach-Bliley Act (“GLBA”) except to
                  perform the services and to
                  conduct the activities authorized in the Agreement. In order to
                  facilitate
                  Client’s compliance with the GLBA,
                  FIC shall adhere to the standards set forth in Exhibit
                  2 with
                  regards to any Client’s customer NPI in FIC’s
                  possession.

              

      

       

      
        	
                3.15

              	
                Model
                  Warranty.
                  FIC warrants that it owns or otherwise possesses all rights and
                  interests:
                  in
                  the Model(s) necessary
                  to enter into this Order Form. FIC will not include in any credit
                  risk
                  Model(s) any characteristic, including
                  “Age”, which is a “prohibited basis” as the term is now defined in the
                  Equal Credit Opportunity Act (“ECOA”),
                  15
                  USC 1691 et seq. or Regulation B (“Reg. B”) thereunder. For Model(s)
                  developed solely from FIC’s
                  pool of creditor data to meet the current definition of an “empirically
                  derived, demonstrably and statistically
                  sound credit scoring system” as defined and where required by Reg. B,
                  Client must comply with the
                  requirements of 12 C.F.R. §202.2 (p)(2)
                  including
                  validation of the Model(s) on Client’s records. FIC shall
                  have no liability or responsibility for hardware, Model(s), or
                  services
                  provided by others.

              

      

       

      
        	
                3.16

              	
                Use
                  of Trademark or Logo.
                  Client agrees to conspicuously place the logo of LiquidCredit and
                  FIC
                  prominently
                  on the end user credit application form web page and the end user
                  product
                  match web page with the identifier “Fueled by LiquidCredit®,”
                  as
                  provided by FIC. Other than as provided in this paragraph, Client
                  shall not use FIC’s name, logo or trademark without FIC’s prior written
                  consent. FIC shall not use Client’s
                  name, logo or trademark without Client’s prior written
                  consent.

              

      

       

      
        	3.17	
                Internet
                  Operating Policy. Client
                  agrees it shall abide by FIC’s Internet Operating Policy, as amended from
                  time
                  to time, as set forth in its entirety in this Section. Client agrees
                  not
                  to: (a) post or transmit any message or
                  data anonymously or under a false name; (b) post or transmit any
                  message
                  which is libeleouis or defamatory; (c) post or transmit any message,
                  data,
                  image or program which is illegal, indecent, obscene or pornographic;
                  (d)
                  post or transmit any message, data, image or program that would
                  violate
                  the intellectual property rights of others;
                  or (e) interfere with the use of the Internet for other FIC clients
                  or
                  other users. Client hereby indemnifies
                  and holds FIC harmless and agrees to defend FIC against any cost,
                  claim or
                  liability which may arise from Client’s failure to abide by FIC’s Internet
                  Operating Policy.

              

      

       

      
        	3.18	
                FIC
                  Materials. The
                  Service, including but not limited to, techniques, computer languages,
                  computer programs,
                  information of any type stored in computer usable form, Model(s)
                  (including Model characteristics, splits,
                  attributes breakouts, characteristic definitions and scorecard
                  weights)
                  specifications the
                  Application Program
                  Interface (“API”), operating
                  instructions, user documentation; and, all proprietary information
                  provided
                  by FIC about its pricing, systems and business plans shall be and
                  remain
                  the property of FIC.

              

      

      

      4.
        CONTACT
        INFORMATION:

      

      
        	 	
                For
                  Client

              	 	
                Client’s
                  Billing (if different)

              	 	
                For
                  FIC

              
	
                Name/Title:

              	
                Tom
                  O’Leany - VP

              	 	
                Wade
                  ESTEP - CFO

              	 	
                Contracts
                  Administration

              
	
                Company:
                  

              	
                FIIC

              	 	
                FIIC

              	 	
                Fair
                  Isaac Corporation

              
	
                Address:

              	
                1585
                  Bethel RD.

              	 	
                Same

              	 	
                3661
                  Valley Centre Drive

              
	 	 	 	 	 	 
	
                City/State:
                  

              	
                COLUMBUS,
                  OH

              	 	
                Same

              	 	
                San
                  Diego, CA

              
	
                Zip/County:

              	
                43220
                  Franklin

              	 	 	 	
                92130

              
	
                Country:
                   

              	
                USA

              	 	
                Same

              	 	
                USA

              
	
                Phone:

              	
                614-451-5030

              	 	
                Same

              	 	
                858-369-8000

              
	
                Fax:

              	
                614-451-5032

              	 	
                Same

              	 	
                858-523-4450

              
	
                Email:

              	
                tomoleary@fiic.net

              	 	
                wadeestep@fiic.net

              	 	 

      

       

      All
        notices must be in writing to the parties above and are effective upon
        receipt.

       

      
        
          FIC
            Confidential Information

          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
        
          	
                  U.S.
                    Order Form 

                	
                  FIC
                    LR # _______ 

                
	
                  Order
                    Form Number: ________

                	
                  Page
                    7

                

        

      

       

      Client
        agrees to be bound
        by this Order
        Form and the following FIC agreement (check one):

       

       x Hosted
        Services Agreement, Version 1.5

       

      A
        copy of which has already been provided and is hereby
        incorporated by reference.

       

      This
        Order Form is effective as of
        the last date signed by both
        parties.

       

      Unless
        Client signs this Order Form by March
        20,
        2006 ,
        prices and
        terms
        are
        subject to change.

      

      
        	
                Client:

              	 	 	
                Fair
                  Isaac Corporation:

              
	
                Signature:

              		 	
                Signature:

              	 
	
                Name:

              	
                Thomas
                  M. OLeany

              	 	
                Name:

              	
                Daniel
                  S. Chelew 

              
	
                Title:

              	
                VP
                  Underwriting

              	 	
                Title:

              	
                Vice
                  President Financial Planning & Analysis

              
	
                Date:

              	
                10
                  May 2006

              	 	
                Date:

              	
                May
                  15, 2006

              

      

       

      Fair
        Isaac and LiquidCredit are trademarks or registered trademarks of Fair Isaac
        Corporation, in the United
        States and/or in other countries. Other product and company names herein
        may be
        trademarks of their respective owners.

      

      
        	 
	
                FIC
                  Use Only

              	 	
                Form
                  : 06-Jan-06

              
	
                Short
                  Name:

              	
                Client
                  #:

              	
                Acct.
                  Exec.: F Strub

              
	
                OE
                  Order#:

              	
                System
                  #:

              	
                Royal
                  Blue #:

              
	
                Sales
                  Approval: MJB

              	
                Notes:
                  5 yr. term (see pricing
                  chart.
                  for terms). SBSS6.0 Upgrade. Disc.

                Impl.
                  Fee
                  of
                  $7,500. Avg. monthly volume
                  150/apps.
                  /cyo

              

      

       

      

    

     

    
      
        FIC
          Confidential Information

        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      
        
          	
                  U.S.
                    Order Form 

                	
                  FIC
                    LR # _______ 

                
	
                  Order
                    Form Number: ________

                	
                  Page
                    8

                

        

      

       

    

    
      EXHIBIT
        1

      

      FAIR
        ISAAC SERVICE LEVEL AGREEMENT

      

      CLIENT
        NAME: FEDERATED INVESTORS INSURANCE COMPANY

      

      SERVICE
        AGREEMENT: LiquidCredit®
        Service:
        decision engine for Small Business Order
        Form

      

      INTRODUCTION:
        This
        Fair
        Isaac service level agreement (“SLA”)
        consists
        of the general terms and conditions set
        forth
        below, together with Attachment
        1
        (Definitions) and Attachment
        2 (Service
        Level Standards for the specific FIC
        Service) and Attachment
        3 (Backup/Retention
        Policy). This SLA is a part of and is subject to the terms of the Service
        Agreement referenced above. This SLA, together with the applicable terms
        of the
        Service Agreement, constitutes
        the entire agreement of the parties with respect to the subject matter of
        this
        SLA and supersedes any prior oral
        or
        written proposals, representations, promises, or agreements. Notwithstanding
        anything to the contrary set forth
        in
        the Service Agreement, in case of a conflict between the terms of the Service
        Agreement and the terms of this
        SLA,
        the terms of this SLA will control.

      

      GENERAL
        TERMS AND CONDITIONS

       

      
        	
                1.

              	
                SLA
                  TERM. This
                  SLA takes effect upon the Commencement Date, and will continue
                  in effect
                  for the Service Term specified in the Service Agreement. Upon any
                  renewal
                  of the Service Term, this SLA will continue in effect
                  unless the parties otherwise agree in
                  writing.

              

      

       

      
        	
                2.

              	
                DEFINITIONS.
                  Definitions
                  of terms in the Service Agreement are applicable to this SLA In
                  addition,
                  the definitions
                  contained in Attachments
                  1, 2,
                  and 3
                  apply to this SLA only. In the case of conflicting definitions,
                  the
                  definitions contained in this SLA will control with respect to
                  the
                  interpretation of this SLA.

              

      

       

      
        	
                3.

              	
                GENERAL

              

      

       

      
        	
              	3.1.	
                Service
                  Requirements. FIC
                  shall use commercially reasonable efforts to comply with the obligations
                  set forth
                  in these general terms and conditions, as well as the requirements
                  set
                  forth in Attachment
                  2 that
                  are specific
                  to the Service. Performance by FIC is contingent upon Client’s
                  Cooperation, and FIC is not responsible
                  for delays or other problems caused by Client’s failure to meet its
                  obligations or by any Outside
                  Factors.

              

      

       

      
        	
              	3.2.	
                Temporary
                  Suspension.
                  FIC may temporarily suspend the Service for necessary repairs.
                  However,
                  FIC will
                  endeavor to provide Client with as much prior notice as possible
                  under the
                  circumstances, and FIC shall
                  restore Availability of the Service as soon as commercially
                  practicable.

              

      

       

      
        	4.	
                SUPPORT

              

      

       

      
        	
              	4.1.	
                Support
                  Generally.
                  FIC is committed to providing its clients with quality support
                  and access
                  to knowledgeable
                  personnel. Most questions and issues related to the Service will
                  be
                  addressed during FIC’s Product Support Hours, which may differ from
                  Standard Service Availability Hours. See Attachment
                  2 for
                  Product
                  Support Hours and Standard Service Availability
                  Hours.

              

      

       

      
        	
              	4.2.	
                Errors.
                  FIC
                  shall use commercially reasonable efforts to resolve Errors in
                  a manner
                  consistent with the requirements
                  of this SLA. If at any point FIC determines that a problem reported
                  by
                  Client is not the result of
                  an Error, FIC will promptly report that determination to Client.
                  Resolution of problems caused by Outside
                  Factors or not the result of Errors is not covered under FIC’s Support
                  obligations, and FIC reserves
                  the right to charge for services performed to diagnose or repair
                  problems
                  not covered
                  under FIC’s Support
                  obligations.

              

      

       

      
        
          FIC
            Confidential Information

          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      
         

        
          
            
              	
                      U.S.
                        Order Form 

                    	
                      FIC
                        LR # _______ 

                    
	
                      Order
                        Form Number: ________

                    	
                      Page
                        9

                    

            

          

           

        

      

      
        	
              	4.3.	
                Severity
                  Levels and
                  Response Times. Upon
                  Client’s report of a problem with the Service, an FIC representative
                  will acknowledge such report by issuing a confirmation to Client,
                  either
                  by phone or email, and FIC will assign a Severity Level to the
                  problem
                  based on the type of issue reported, according to the following
                  schedule:

              

      

      

      
        	
                Severity
                  

                Level

              	 	
                Description
                  of Problem

              	 	
                FIC
                  Target Response Times

              
	
                Severity
                  1

              	 	
                A
                  critical problem that involves fundamental
                  functionality or Availability of the Service, that precludes
                  productive use of the Service, and that is having,
                  or is likely to have, an immediate and material
                  impact on a critical business activity of Client.

              	 	
                FIC
                  will respond within 2 hours of receipt of Client’s
                  report of the issue.

                FIC
                  will begin working on a solution
                  or workaround to any
                  Error
                  causing
                  the problem within 2 hours from Client’s
                  initial report if received during Product Support
                  Hours, or within 4 hours of Client’s initial report
                  if received outside Product Support Hours.

              
	 	 	 	 	 
	
                Severity
                  2

              	 	
                A
                  significant problem that involves functionality of the
                  Service, but
                  that
                  does not preclude productive use
                  of the Service and is not having and is not likely to
                  have an immediate and material impact on a critical
                  business activity of Client.

              	 	
                FIC
                  will respond no later than the end of the Business Day
                  following Client’s initial report (or the same Business
                  Day if the report is made before 11:00 a.m.,
                  Central
                  time or London time, as applicable).

                 

                FIC
                  will begin working on a solution or workaround to any Error causing
                  the
                  problem no later than the end of the
                  Business Day following Client’s initial report.

              
	 	 	 	 	 
	
                Severity
                  3

              	 	
                An
                  inconvenient problem with the Service that does not
                  affect functionality or preclude productive use of the
                  Service.

              	 	
                FIC
                  will respond with problem definition and a proposed
                  action plan to resolve any Error causing the problem
                  within five Business Days from Client’s initial report.

              
	 	 	 	 	 
	
                Severity
                  4

              	 	
                General
                  questions related to the use of the Service, a “how
                  to” question; an error that is minor or cosmetic in
                  nature; or a request
                  to be considered for future enhancements.

              	 	
                FIC
                  will respond as appropriate. FIC will generally log and acknowledge
                  Severity 4 requests by the end of the next Business
                  Day.

              

      

      

       

      
        	
              	4.4.	
                Client’s
                  Obligations Relating to Support Requests.
                  In
                  order to ensure that FIC is able to meet the response
                  times set forth above and provide Support in the most efficient
                  manner,
                  Client agrees, in addition to
                  providing all relevant information necessary for FIC to respond
                  to a
                  Support request and Client’s general
                  Cooperation: (a) to designate primary and secondary liaisons who
                  have been
                  trained on the Service and
                  to provide FIC with all necessary after-hours contact information
                  for such
                  individuals; (b) that all Support requests will be centralized
                  through the
                  primary and secondary liaisons; (c) to submit
                  Support requests
                  to FIC’s designated contact; (d) to comply with FIC’s reasonable
                  guidelines for submitting Support
                  requests; (e) to use reasonable commercial efforts to diagnose
                  and resolve
                  problems in the operation
                  of the Client’s interface to the Service prior to contacting FIC for
                  Support; (f) to use reasonable efforts
                  to confirm that reported problems are due to a malfunction of the
                  Service;
                  (g) to use all reasonable efforts to consult FIC-supplied documentation
                  before submitting questions about the Service to FIC; and (h) to
                  work with
                  FIC to return Support requests to reasonable levels if FIC deems
                  that
                  Client’s Support requests exceed reasonable or typical levels for the
                  Service. Client must notify FIC of any problems with the Service
                  in a
                  timely manner (depending on the circumstances, but in no event
                  later than
                  30 days after becoming aware of an issue with the
                  Service).

              

      

       

      
        	
              	4.5.	
                Updates;
                  Releases.
                  As
                  a part of Support, FIC will make available to Client all updates
                  and
                  releases to the Service
                  and the Application that it generally makes available to its Clients.
                  Optional, separately-priced Service
                  features which may be made available with new updates and releases
                  of
                  the
                  Service
                  are not included
                  in Support unless otherwise agreed in writing. Client shall comply
                  with
                  any published update/release schedules. If Client fails to adhere
                  to the
                  update/release schedule, such failure may cause FIC to be unable
                  to meet
                  the Service levels defined in this
                  SLA.

              

      

       

      
        	
              	4.6.	
                Technology
                  Compatibility. Client
                  shall cooperate with FIC to ensure that technology compatibility
                  is
                  maintained between the Application and Client’s systems. Client must
                  provide FIC with at least 60 days’ written notice of any changes to
                  Client’s systems that could affect such compatibility. Client must provide
                  FIC
                  with at least 30 days’ written notice of all standard technology release
                  upgrades, and Client shall endeavor to ensure that such upgrades
                  happen no
                  more frequently than once per calendar year.

              

      

      
        
          FIC
            Confidential Information

          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
        
          
            	
                    U.S.
                      Order Form 

                  	
                    FIC
                      LR # _______ 

                  
	
                    Order
                      Form Number: ________

                  	
                    Page
                      10

                  

          

        

         

      

      
        	
                5.

              	
                EXCLUSIONS;
                  ADDITIONAL SERVICES. If
                  Client requests services that are outside the scope
                  of FIC’s Support
                  obligations under this SLA, FIC may provide such services at its
                  discretion and subject to availability of
                  resources, and Client shall pay for such services on a time-and-expenses
                  basis
                  at FIC’s then-current rates: The
                  following are outside the scope of FIC’s Support
                  obligations unless specifically agreed
                  otherwise in writing:

              

      

       

      
        	
              	
                (a)

              	
                Requests
                  for Support outside of Product Support Hours for reasons other
                  than
                  Severity
                  l issues.

              

      

       

      
        	
              	
                (b)

              	
                Support
                  which becomes necessary due
                  to failure of computer hardware, equipment or
                  programs
                  not
                  provided
                  by FIC; negligence of Client or any third party; error by Client
                  in
                  operation of the Service; improper
                  modification or use of hardware or software by Client; or any problem
                  or
                  loss
                  not solely attributable
                  to the Application.

              

      

       

      
        	
              	
                (c)

              	
                Maintenance
                  and support of hardware, software programs, or data connections
                  owned,
                  operated,
                  or developed
                  by the Client that interface with the
                  Service.

              

      

       

      
        	
              	
                (d)

              	
                Development,
                  customization, coding, installation, integration, consulting, and
                  training.

              

      

       

      
        	
              	
                (e)

              	
                Optional,
                  separately-priced Service features which may,
                  from time to time, be made available with new updates/releases
                  of the Service.

              

      

      

      
        
          
            FIC
              Confidential Information

            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

      

       

      
        
          
            	
                    U.S.
                      Order Form 

                  	
                    FIC
                      LR # _______ 

                  
	
                    Order
                      Form Number: ________

                  	
                    Page
                      11

                  

          

        

         

        ATTACHMENT
          1 TO

      

      FAIR
        ISAAC SERVICE LEVEL AGREEMENT

      STANDARD
        DEFINITIONS

      

      “Application”
        means
        the combination of computer hardware, computer software programs, and data
        transmission facilities
        under the control of FIC that FIC uses to provide the Service to
        Client.

      

      “Available”
        or
        “Availability”
        means
        that the Application is performing substantially in accordance with the
applicable
        user guide or other documentation.

      

      “Business
        Day”
        means a
        day, Monday through Friday, excluding FIC holidays. FIC will provide Client
        a
        listing of FIC
        holidays upon Client’s request, which holidays are subject to change by FIC from
        time to time.

      

      “Commencement
        Date” means
        the
        date on which FIC first notifies Client in writing that the Service is Available
        for commercial
        use.

      

      “Cooperation”
        means
        Client’s timely provision of assistance and access to necessary personnel and
        suitably configured Client
        systems; Client’s timely submission of complete and accurate data in an
        agreed-upon format; and Client’s timely furnishing of complete and accurate
        information and responses to FIC requests.

      

      “Disaster
        Recovery Plan”
        means
        the
        steps FIC would take to restore the Service if a site catastrophe or other
        Force
Majeure
        Event prevents FIC from delivering the Service.

      

      “Errors”
        means
        verified, reproducible, material malfunctions of the Application or any related
        FIC-supplied software
        that prevent the Service from performing as described in the Service Agreement
        or the applicable user guide
        or
        other documentation.

      

      “Force
        Majeure Event”
        means a
        cause or causes beyond FIC’s control. Without limiting the generality
        of the
foregoing,
        such causes include natural disasters, fires, riots, strikes, blackouts,
        terrorism, wars or war operations, restraints
        of government, general failures of communications systems or the Internet,
        and
        other causes which could not, with
        reasonable diligence, have been controlled or prevented by FIC.

      

      “Input
        File”
        means a
        file provided to FIC by Client or Client’s vendor that is to be leaded or
        processed by FIC as a part of
        the
        Service.

      

      “Outside
        Factors”
        means
        (i) action or inaction of Client or a third party, (ii) a problem with
        Client’s equipment
        or environment
        and/or any third party equipment or environment, (iii) any delay in obtaining
        access to external databases or third-party
        services; or (iv) a Force Majeure Event.

      

      “Point
        of Demarcation”
        means
        that point at which operational control or ownership of communications
        facilities changes
        from one organizational entity to another.

      

      “Product
        Support Hours” are
        the
        hours during which FIC’s support teams will be available to provide, routine
        Support. See
        Attachment
        2 for
        specific Product Support Hours applicable to the Service.

      

      “Scheduled
        Downtime”
        means
        time designated by FIC in advance when the Service will be unavailable.
Scheduled
        Downtime is normally used to allow FIC to properly maintain and/or update
        the
        Application or to maintain
        the performance of the Service. See Attachment
        2 for
        Scheduled Downtime applicable to the Service.

      

      “Service”
        means
        the service(s) provided by FIC to Client pursuant to the Service
        Agreement.

      

      “Service
        Term”
        means
        the term of the Service specified in the Service Agreement, including any
        extensions or renewals thereof.

      

      “Standard
        Service Availability Hours”
        means
        time when the Service can be expected to be Available. See
        Attachment 2
        for
        specific Standard Service Availability Hours applicable to the
        Service.

      

      
        
          
            FIC
              Confidential Information

            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

      

       

      
        
          
            	
                    U.S.
                      Order Form 

                  	
                    FIC
                      LR # _______ 

                  
	
                    Order
                      Form Number: ________

                  	
                    Page  12

                  

          

        

         

        “Support”
          means
          all work performed by FIC or its agents in connection with ensuring that
          the
          Service performs the functions
          described in the
          Service Agreement and the applicable user guide or other
          documentation.

      

      

      “Transaction”
        means a
        mutually agreed upon transfer of data provided to FIC by Client or Client’s
        vendor that is to be
        loaded
        or processed by FIC as a part of the Service.

      

      “Unscheduled
        Downtime” means
        any
        time during Standard Service Availability Hours when the Service is not
Available,
        other than Scheduled Downtime and downtime caused by Outside
        Factors.

      

      Note
        that this is a general list
        of definitions
        and
        that not all definitions
        will be
        used in
        any given SLA. Any definition
        not actually
        used is not
        to
        be considered a part of this SLA.

      

      
        
          
            FIC
              Confidential Information

            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

      

       

      
        
          
            	
                    U.S.
                      Order Form 

                  	
                    FIC
                      LR # _______ 

                  
	
                    Order
                      Form Number: ________

                  	
                    Page
                      13

                  

          

        

         

      

      
        ATTACHMENT
          2
          TO

        FAIR
          ISAAC SERVICE LEVEL AGREEMENT

        SERVICE
          LEVEL STANDARDS FOR THE

        FAIR
          ISAAC LIQUIDCREDITâ SERVICE:
          DECISION ENGINE FOR SMALL BUSINESS

         

        
          	
                  Client
                    Name:

                	
                  Federated
                    Investors Insurance
                    Company

                
	
                  Service
                    Agreement:

                	
                  LiquidCredit®
                    Service: decision engine for Small Business Order
                    Form

                

        

         

        1. GENERAL

         

        1.1 Access
          to the Service. FIC
          maintains access to the Service for Client’s use when Client’s interface to the
Application
          follows the FIC required API.

         

        1.2 Data
          Expectations. Service
          level objectives set forth in this SLA are based upon a normal volume of
          data
that
          complies with FIC’s operating expectations. Abnormal volume or incorrectly
          formatted data may impact system performance,
          and FIC will not be responsible for failure to meet agreed-upon service
          levels
          if such failure results from
          abnormally high volumes or incorrectly formatted data.

         

        1.3 Standard
          Service Availability Hours;
          Scheduled Downtime.

         

        (a) Standard
          Service Availability Hours are every continuous everyday, but does not
          include
          Scheduled Downtime.
          Every Sunday, between the hours of 2:30 a.m. and 6:30 a.m. Central Time
          is
          Scheduled Downtime reserved
          for Application maintenance, updating, and repair without further notice
          to
          Client.

         

        (b) Scheduled
          Downtime may also be scheduled by FIC as reasonably necessary for Application
          maintenance, updating,
          or repair by giving Client at least eight (8) hours’ advance notice, unless a
          shorter notice period is required under
          the
          circumstances. The notice must specify the date and start time of the Scheduled
          Downtime and the expected
          period during which the Application will not be Available. FIC shall use
          commercially reasonable efforts to
          minimize the effects of such Scheduled Downtime on Client’s regular business
          operations.

         

        1.4 Product
          Support Hours.

         

        Support
          services will be provided from the United States.
          “Product Support Hours”
          are 6:00
a.m.
          to
          5:00
          p.m. Pacific
          Time, Monday through Friday, excluding holidays observed by FIC in the
          United
          States.

         

        1.5 Connections;
          Third-Party Providers.
          FIC
          shall maintain connections to the Internet and to any business partners
          that are necessary to the Service. Client understands that FIC’s access to
          third-party business partners is subject to the operating hours, network
          availability, and performance of each such business partner. Thus, Service
          Availability
          and problem response may be subject to
          the
          operating hours and performance of any applicable business
          partners.

         

        If
          Client
          orders the optional SBSS Interface, then the following also
          applies:

         

        1.6 Access
          to the SBSS Interface. FIC
          maintains access to the SBSS Interface for Client’s use
          when
          Client’s interface
          to the Application is operated on FIC-recommended hardware and software
          owned,
          licensed, and/or leased by
          Client.

         

        1.7 Scheduled
          Downtime for the SBSS Interface.

         

        (a) Every
          day
          Monday through Saturday, between the hours of 5:00 a.m. and 7:00 a.m. Eastern,
          and every Sunday
          between the hours of 5:00 a.m. and 9:00 a.m. Eastern, is Scheduled Downtime
          reserved for SBSS
          Interface maintenance,
          updating, and repair without further notice to Client.

         

        (b) Scheduled
          Downtime may also be scheduled by FIC as reasonably necessary for SBSS
          Interface
maintenance,
          updating, or repair by giving Client at least 24 hours’ advance notice, unless a
          shorter notice period is required
          under the circumstances. The notice must specify the date and start time
          of the
          Scheduled Downtime and the
          expected period during which the SBSS Interface will not be Available.
          FIC shall
          use commercially reasonable efforts
          to minimize the effects of such Scheduled Downtime on Client’s regular business
          operations.

        
          
            FIC
              Confidential Information

            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        
          
            
              	
                      U.S.
                        Order Form 

                    	
                      FIC
                        LR # _______ 

                    
	
                      Order
                        Form Number: ________

                    	
                      Page
                        14

                    

            

          

           

        

        1.8 “Client
          Helpdesk Hours” means
          time during a Business Day between the hours of 8:00 a.m. and 8:00 p.m.
          Eastern
          Time.

         

        1.9 “Regular
          Business Hours” means
          time during a Business Day between the hours of 8:00 a.m. and 5:00 p.m.
          Eastern
          time.

         

        2. DISASTER
          RECOVERY; BACKUP

         

        2.1 Disaster
          Recovery. FIC
          shall
          implement the Disaster Recovery Plan in the event of a site catastrophe
          or
other
          Force Majeure Event that prevents FIC from delivering the Service, and
          will use
          commercially reasonable efforts
          to have the Service restored to operation as soon as practicable.

         

        2.2 Data
          Backup and Retention. FIC
          shall
          back up all File Data, Database Data, and Archive Data (as defined in
Attachment
          3) on
          a
          daily basis using a combination of full and incremental backup procedures.
          In
          addition, FIC shall
          archive database logs to permit recovery to a specific point in time if
          necessary. Backups will
          be
          executed automatically
          using a predefined schedule. Backup tapes will be rotated offsite on a
          periodic
          basis to ensure availability
          in the event of a site catastrophe. FIC will archive and retain such tapes
          using
          predefined schedules and policies
          as defined in Attachment
          3.

         

        
          
            FIC
              Confidential Information

            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        
          
            
              	
                      U.S.
                        Order Form 

                    	
                      FIC
                        LR # _______ 

                    
	
                      Order
                        Form Number: ________

                    	
                      Page
                        15

                    

            

          

           

        

        ATTACHMENT
          3
          TO

        FAIR
          ISAAC SERVICE LEVEL AGREEMENT

        BACKUP/RETENTION
          POLICY

        (Effective
          as
          of July 1,
          2005)

         

        
          	
                  1.

                	
                  GOALS.
                    Backups have two goals.

                

        

         

        1.1. The
          first is to provide “last update” recovery in the event of a hardware
failure.

        1.2. The
          second is to recover to a specific point in time in the event of a software
          bug
          or
          user error.

         

        
          	
                  2.
                    

                	
                  RETENTION.
                    Backups
                    will be retained according to data type. Data will be categorized
                    as
                    follows:

                

        

         

        2.1. “File
          Data”
          consists of collaborative data residing on a file server and file based
          data.

        2.2. “Database
          Data”
          consists of all data required to restore a database to a specific
          state.

        2.3. “Archive
          Data”
          consists of user data that is often created as part of a specific project.

         

        
          	
                  3.

                	
                  SCHEDULES

                

        

         

        
          	
                	3.1.	
                  File
                    Data

                

        

         

        File
          Data
          retention will allow for recovery to any point in time in a rolling 5-week
          window, as well is to the point in time that the monthly
          full
          backup was completed in a rolling one-year
          window.

        

        
          	
                  Backup
                    Type and Timing

                	 	
                  Retention

                
	
                  Yearly
                    Full

                	 	
                  3
                    Years

                
	
                  Monthly
                    Full

                	 	
                  1
                    year

                
	
                  Weekly
                    Full

                	 	
                  5
                    weeks

                
	
                  Daily
                    Incremental

                	 	
                  5
                    weeks

                

        

         

        3.2. Database
          Data”

         

        Database
          Data retention will allow for recovery to any point
          in
          time in a rolling 10-week
          window.

        

        
          	
                  Backup
                    Type
                    and Timing

                	 	
                  Retention

                
	
                  Monthly
                    Full

                	 	
                  10
                    weeks

                
	
                  Weekly
                    Full

                	 	
                  10
                    weeks

                
	
                  Daily
                    incremental

                	 	
                  10
                    weeks

                
	
                  Archived
                    Transaction Logs

                	 	
                  11
                    weeks*

                

        

         

        *
          11 week
          retention of archive logs will prevent full or incremental data and transaction
          logs from residing
          on the
same
          tape
          cartridge, leading to better recoverability in the event of a tape failure.

         

        3.3. Archive
          Data

         

        Archive
          Data will be retained for 3 years, allowing for long-term potential for
          restoration of user data that can leverage
          work completed in the past and speed project time to market. These backups
          are
          ad-hoc. Client must submit a request whenever an archive is required.

         

        
          	
                  Backup
                    Type

                	 	
                  Retention.

                
	
                  Archive

                	 	
                  3
                    years

                

        

         

        Note:
          This policy is subject to change as needed to address regulatory requirements
          and changed business needs and circumstances.

        
          
            FIC
              Confidential Information

            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        
          
            
              	
                      U.S.
                        Order Form 

                    	
                      FIC
                        LR # _______ 

                    
	
                      Order
                        Form Number: ________

                    	
                      Page
                        16

                    

            

          

           

          EXHIBIT
            2

        

        PRIVACY
          AND SECURITY EXHIBIT

        

        In
          order
          to facilitate Client’s ability to demonstrate compliance with privacy
          regulations and information security guidelines issued by the federal financial
          regulators pursuant to Title V of the Gramm-Leach-Bliley Act (“GLBA”), the
          following will apply to the LiquidCredit Agreement under which FIC maintains,
          processes or has access to information about Client’s customers:

        

        1.
          DEFINITIONS:
          The
          following terms, as used in this Exhibit with initial capital letters,
          in the
          singular or the plural, will have the meanings set forth below. Other terms
          may
          be defined in context within or shall have the meaning set forth in the
          Agreement or Order Form.

        

        “Customer
          Information”
          means
“nonpublic personal information” as such term is defined in the Privacy
          Requirements (as defined below) relating to an identified Customer, including,
          but not limited to: a Customer’s name,
          address, telephone number, and social security number, “Customer”
          means
          any
          individual who applies to a financial services institution for and/or obtains
          from a financial services institution a consumer purpose financial product
          or
          service. “Customer Information” shall mean any “nonpublic personal information”
about “customers” and “consumers,” as those terms are defined in Title V of the
          Gramm-Leach-Bliley Act (“GLBA”; and the privacy regulations and information
          security guidelines issued by the federal financial regulators pursuant
          to Title
          V of GLBA.

        

        “FIC”
          shall
          mean the party described above and each of its affiliates and subsidiaries
          who
          are now or hereafter may be providing any goods or services to Client.
          “Affiliate”
          or “affiliate”
          shall
          have the meaning of that defined term in the GLBA.

        

        2.
          Disclosure of Customer Information. FIC hereby agrees that,
          except as may be reasonably
          necessary in the ordinary course of business to carry out the activities
          to be
          performed by FIC under the Agreement, in which case FIC will require the
          third
          party to safeguard the Customer Information with the same degree of care
          that
          FIC uses to safeguard its own confidential and proprietary information,
          or as
          may be required by law or legal process, it will not disclose any Customer
          Information to any third party other than affiliates of FIC or
          Client.

        

        3.
          Use of
          Customer Information. FIC hereby agrees that it will not use any Customer
          Information other than to carry out the activities authorized and the purposes
          for which such Customer Information was disclosed by Client unless such
          other
          use is required by law or legal process.

        

        4.
          Standard of Care. In order to ensure the security and confidentiality of
          all
          Customer Information, to protect against anticipated threats or hazards
          to the
          security or integrity of such Customer Information and to protect against
          unauthorized access to or use of such Customer Information, FIC shall use
          the
          same degree of care with Customer Information that FIC uses to safeguard
          its own
          confidential and proprietary information, but in no event less than a reasonable
          degree of care.

        

        5.
          Safeguarding Customer Information. FIC shall maintain appropriate systems
          security, including commercially reasonable security policies and procedures
          that will protect Client’s Customer Information and meet the objectives of the
“Interagency Guidelines Establishing Standards For Safe-guarding Customer
          Information.” FIC further agrees to provide Client, for purposes of its periodic
          review, a copy of FIC’s “Statement of Auditing Standards No. 70 on Processing of
          Transactions by Service Organizations” (“SAS 70”).

         

        
          
            
              FIC
                Confidential Information

              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

        

         

        
          
            
              	
                      U.S.
                        Order Form 

                    	
                      FIC
                        LR # _______ 

                    
	
                      Order
                        Form Number: ________

                    	
                      Page
                        17

                    

            

          

           

        

        EXHIBIT
          3

        Statement
          of
          Work

        For

        SBSS
          Fundamentals Web-Based Training

         

        
          	
                  1.

                	
                  Project
                    Name

                

        

         

        SBSS
          Fundamentals Web-Based Training

         

        
          	
                  2.

                	
                  Description
                    of Services

                

        

         

        Upon
          receipt of Order Form signed by a Client authorized representative, FIC
          will
          schedule and deliver the following
          Services:

         

        
          	
                	2.1.	
                  SBSS
                    Fundamentals Web-Based Training

                

        

         

        FIC
          will
          conduct a 3 day -
          2
          hours
          per day Group PlaceWare Training (2-3 users per PC) services as
          follows:

         

        
          	
                	2.1.1.	
                  Training
                    covers Model Development, Better Booking Strategies and Tracking
                    and
                    Validation. FIC
                    experts will walk Client through the information Client needs
                    to know to
                    make
                    better origination
                    and underwriting decisions and monitor Client’s portfolio performance.
                    Training is designed
                    for operations managers and their staff who use FIC’s SBSS Model
                    Suite.
                    Training
                    will also
                    cover the differences between SBSS Model Suite
                    versions.

                

        

         

        
          	
                	2.2.	
                  Training
                    Cancellation Notice.
                    In
                    order for Clients to receive the full benefit of group training,
                    training
                    sessions are subject to cancellation by Fair, Isaac when attendance
                    is
                    projected to fall below minimum attendance
                    requirements. Fair, Isaac will provide cancellation notices no
                    later than
                    2 weeks prior to the training
                    start date. If possible, Fair, Isaac shall reschedule the training
                    at a
                    mutually convenient time. The minimum 2 week notice is provided
                    to avoid
                    travel-related cancellation fees. Training attendees will be
responsible
                    for any travel-cancellation fees
                    incurred.

                

        

         

        
          	
                	2.3.	
                  Scheduling.
                    Schedules are subject to trainer availability. Training classes
                    must be
                    taken within 1 year from
                    the date this Order Form is signed by the parties or they will
                    expire.

                

        

         

        
          	
                	2.4.	
                  Web-Based
                    Training. Web-based
                    training fees will not be refundable, but may be credited towards
                    another
                    training class or another designated person within 1 year from
                    the date
                    this Order Form is
                    signed
                    by
                    the parties.

                

        

        

        3.
          Fees
          

         

        Fees:

        
          	
                  Service

                	 	
                  Product
                    #

                	 	
                  Hours

                	 	
                  Billing
                    Basis

                	 	
                  Total

                
	
                  SBSS
                    Fundamentals Training

                	 	
                  065-TRWB-06

                	 	
                  3
                    day
                    -
                    2
                    hours per

                  day

                	 	
                  Fixed
                    Fee

                	 	
                  $1000

                

        

         

        Travel-related
          expenses are not included. If travel is necessary for the performance of
          the
          services Client agrees to pay all reasonable and actual travel-related
          fees and
          expenses and any other out-of-pocket expenses associated with the
          provision of services. Each unpaid invoice shall bear a late charge of
          1.5% per
          month, or the maximum rate permitted
          by law, whichever is less.

         

        
          
            
              FIC
                Confidential Information

              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

        

         

        Hosted
          Services Agreement

        
           

          1.
            Introduction.
            This
            Hosted Services Agreement (“HSA”)
            is
            entered
into
            as
            of May 15, 2004 (the “Effective
            Date”),
            between
            Fair
            Isaac Corporation (“FIC”),
            and
            Federated Investors Insurance Company (“Client”).
            This
            HSA governs the rights and obligations of Client and FIC with
            respect
            to
            products and services ordered by Client from FIC under this HSA.
            Client
            may order
            products and services (“Services”)
            under
            this HSA pursuant
            to an Order Form that references and incorporates this
            HSA.
            This HSA
            and
            any Order Forms hereunder shall
            be
            referred to as the
            “Agreement.”

          

          2.
            Invoices and Payment.

          

          2.1 All
            fees
            and charges (other than travel and
            other
out-of-pocket
            expenses) will
            be
            set
            forth in the applicable Order Form. Fees and charges stated
            in
            an Order Form as being due upon contract execution will be due
            and
            payable by Client 30 days after the Order Form is
            signed
            by both parties.
            All other fees, charges, and expenses invoiced under the Agreement
            will
            be
            due and payable by Client within 30 days of Client's receipt of
            an
            invoice. All amounts are
            payable in United States Dollars. Each
            unpaid invoice
            will be subject to a late charge of 1.5% per month, or
            the
            maximum rate
            permitted by law, whichever is less. In addition to
            all
            other remedies available
            at law or in equity, if any payment is not received by
            FIC
            within 30
            days
            from the date it is
            due,
            FIC
            will have the right to
            terminate
            the pertinent product or service
            after
            giving Client written notice and
            30 days
to
            cure.
            Client agrees to reimburse FIC for
            all
            costs related to any proceedings
            to collect any past-due amounts, including without limitation
            all
            attorneys' fees and
            expenses. Except as otherwise provided, refunds are not
            available.

          

          2.2
            Taxes
            and Other Charges.
            Client
            will be solely responsible for, and
            shall
            pay
            or reimburse FIC for, all Taxes. “Taxes”
            means
            all present and future
            taxes, duties, import deposits, assessments, and other governmental
            charges
            (and any related penalties and interest not attributable to
            the
            fault or delay of FIC), however designated, that are now or
            hereafter
            imposed by or under any governmental authority or agency that are: (i)
            associated with
            the
            performance by FIC of its obligations under
            the
            Agreement; (ii) associated
            with the payment of any amount by Client to FIC pursuant to the Agreement;
            (iii) based on the license or use of any FIC Product or
            service;
            or
            (iv)
            associated with the importation of
            any
            FIC Product into or utilization
            of any FIC service within any country other than
            the
            United States,
            excepting only withholding, employment, and
            payroll taxes
            relating to
            FIC's
            employees and employees of any FIC subcontractors: personal
            property
            taxes on FIC property, FIC corporate franchise Taxes
            or
            Taxes imposed
            on FIC’s net income by the United States and each state thereof
            (and
            their
            political
            subdivisions). FIC shall promptly remit to the
            appropriate
            tax authority all Taxes collected from Client
            on
            account of Client's tax obligations, if any, and FIC shall indemnify
            Client
            against any and
            all
            losses, costs, and expense (including reasonable attorneys'
            fees) which
            result from FIC's violation of its obligations under this section. If
            FIC
            receives a refund of any such Taxes attributable to amounts paid
            under the
            Agreement by Client,
            FIC
            shall
            pay such amount to Client within 30 days
            of
            receipt.

          

          3.
            Confidential
            Information.

          

          3.1 A
            party
            receiving Confidential Information under the Agreement is referred
            to as
            “Recipient,”
            and a
            party disclosing Confidential Information is
            referred
            to as “Discloser”.
            For the
purposes
            of
            the
            Agreement,
            “Confidential
            Information”
            is
            described as
            follows
            and shall include any information which relate
            to: the financial and/or business operations of the Discloser, including,
            but
            not
            limited to, marketing and product plans, ideas, concepts, business plans,
            financial condition, employees, inventions, algorithms, model specifications,
            including
            but not limited to, model weights
            and attributes, decision
            technology and/or models,
            processes, designs,
            specifications, drawings,
            samples, improvements, developments, applications,
            engineering, manufacturing
            and marketing data and plans, software
            code (object and source),
            functionality, security procedures and
            approaches, know-how, customer
            names and information, experimental  work,
            distribution arrangements
            and
            trade
            secrets, and/or ideas. Recipient may use Confidential Information of
            the
            Discloser
            only for the purposes of exercising its rights and
            fulfilling its obligation under
            the
            Agreement.

          

          3.2
            Limitations
            on Disclosure and Use.
            Recipient agrees to use the
            same
degree
            of
            care, but no less than a reasonable degree
            of
            care,
            to protect against the
            unauthorized disclosure or use of
            Discloser's Confidential Information as it
            uses
            to protect
            its own Confidential Information. Recipient agrees to
            disclose Confidential
            Information
            only
            to
            its employees or
            independent
            contractors who
            have
            a need to know for the above stated purpose, and who are
            bound
            by obligations
            of confidentiality no less restrictive than
            the
            terms of the Agreement.
            Recipient shall not remove any proprietary notices of
            Discloser from Discloser's Confidential Information.

          

          3.3
            Exclusion. Recipient
            shall
            have
            no
            obligation under the Agreement as to Confidential Information
            of Discloser
            which:
            (a) is known to Recipient at the
            time
            of disclosure; (b) is independently developed by
            Recipient without reference to
            or use
            of the Discloser's Confidential Information; (c) is obtained by
            Recipient without restriction on disclosure of
            use
            from another source without
            a
            breach of any obligation of confidentiality owed
            by
            such source to Discloser; or (d) is or becomes part of the public domain
            through
            no wrongful act of Recipient or any party that obtained the information
            from
            Recipient. If
            Recipient
            is served with any subpoena
            or other legal process
            or a court or governmental request
            or order requiring or purporting to require the disclosure of
            any of
            Discloser’s Confidential Information, Recipient shall,
            unless prohibited
            by law, promptly notify
            Discloser of such fact and cooperate fully (at
            Discloser’s expense) with the Discloser and its legal counsel in
            opposing,
            seeking a protective order, seeking to limit, or appealing any such legal
            process,
            request, or order to the extent
            deemed appropriate by the Discloser.

          

          3.4
            Injunctive
            Relief.
            The
            parties acknowledge that the remedies
            at law for
            breach of any covenant relating to the protection
            of Confidential
            Information
            may be inadequate, and each party shall be
            entitled to seek injunctive
            relief for any breach of the provision of the Agreement relating
            to
            the
            protection of its Confidential Information or intellectual property rights.
            Nothing contained in this Section shall be construed as limiting
            the parties'
            rights to any other remedies at law, including the recovery of
            damages
            for breach of the Agreement.

          

          4.
            Ownership.
            FIC
            retains ownership of all materials
            developed or produced
            by FIC. For Services involving delivery of scores, Client
            agrees that
            the
            scores are the property of FIC and the Service
            grants only the authorization
            to access the scores under the
            terms
            set forth in this Agreement
            and the pertinent Order Form.

          

          5.
            Termination
            or Expiration.
            A Order
            Form may be
            terminated by FIC
            after
            notifying the Client if: (i) the Client has failed
            to
            deliver any necessary
            data, information or
            specifications; or
            (ii) the
            Client is in breach of
            any
            other terms or conditions of this Agreement. Upon
            termination or expiration
            of the Agreement for any reason, all
            licenses granted shall terminate immediately and
            all
            support and maintenance obligations shall cease.
            Client shall immediately cease using all FIC product(s) and
            related documentation, shall remove all copies of the FIC product(s)
            and related
            documentation from Client's computers and systems,
            and shall either (i) destroy
            all copies of the FIC product(s), related documentation,
            and other confidential
            information in Client's possession; or (ii) return to FIC all copies
            of
            the FIC product(s), related
            documentation, and other FIC
            confidential
            information in Client's possession. Client shall provide to FIC a written
            certification signed by an
            authorized
            officer of Client certifying that
            Client has complied with the foregoing.

          

          6.1
            Warranties.
            Each
            party warrants that: (i) it
            is a
            corporation duly organized,
            validly
            existing, and in good standing under the laws of
            its
            state of
            incorporation
            or organization;
            (ii) it has the corporate power
            and
authority
            to enter into the Agreement and perform all of its obligations hereunder
            and under any Order Form.

          

          6.2
            Warranty(ies)
            Set Forth in Order Forms.
            All
            warranties applicable to an FIC
            product or any service to be performed by FIC will be set forth in the
            applicable Order Form(s).

          

          6.3
            WARRANTY
            DISCLAIMER.
            FIC does
            not warrant that any FIC
            Product
            will (i) meet Client's requirements, (ii)
            operate in combination with
            hardware, software, systems or data not expressly specified in writing
            by
FIC,
            (iii) meet any performance level, resource utilization, response time,
            or
            system overhead requirements, or (iv) operate
            uninterrupted, free of errors, or
            without
            delay.
            EXCEPT
            FOR
            THE
            EXPRESS
            WARRANTIES
            SET FORTH IN THIS HSA AND THE APPLICABLE ORDER FORM(S), FIC MAKES NO
            OTHER
            WARRANTIES, EITHER EXPRESS OR IMPLIED, AND HEREBY DISCLAIMS ALL IMPLIED
            WARRANTIES, INCLUDING ANY WARRANTIES REGARDING MERCHANTABILITY OR FITNESS
            FOR A
            PARTICULAR PURPOSE, AND ANY WARRANTY ARISING FROM A COURSE OF DEALING,
            USAGE, OR
            TRADE PRACTICE.

          

          7.
            Limitation on Liability

          

          7.1
            LIMITATION ON TYPES OF DAMAGES.
            TO THE
            EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FIC BE LIABLE TO
            CLIENT
            FOR INDIRECT, SPECIAL, CONSEQUENTIAL (INCLUDING, BUT NOT LIMITED TO,
            LOST
            PROFITS) OR

           

          
            
              FIC
                Confidential Information

              
              

            

            
              Page
                1 of 2

              
                

              

            

            
              
              

            

          

           

          
            PUNITIVE
              DAMAGES
              ARISING
              OUT OF
              OR IN
              CONNECTION WITH
              THE
              AGREEMENT, EVEN IF FIC HAD BEEN ADVISED
              OF THE
              POSSIBILITY OF SUCH DAMAGES OR EVEN IF SUCH DAMAGES
              WERE REASONABLY FORESEEABLE.

             

            7.1
              LIMIT ON MAXIMUM LIABILITY. IN
              NO
EVENT
              SHALL FIC’S
              LIABILITY UNDER THE AGREEMENT EXCEED THE AMOUNT
              PAID BY CLIENT (EXCLUDING IMPLEMENTATION
              FEES
              AND
              REIMBURSED EXPENSES) FOR THE APPLICABLE FIC PRODUCT
              OR SERVICE
              DURING
              THE
              TWELVE
              MONTHS
              IMMEDIATELY
              PRECEDING THE DATE OF THE CLAIM
              THAT GAVE
              RISE
              TO SUCH LIABILITY.

             

            8.
              Separation
              of Responsibility. FIC
              is
              not responsible for delay
              or
              failure
              to perform due to causes beyond its reasonable control. FIC has no
involvement
              in
              nor
              liability
              for
              any
              actions,
              delays,
              errors, misrepresentations,
              or failures to act on the part
              of
              any
              credit bureau, letter shop,
              list vendor, or other participant in any aspect of Client’s business.
              It is
              specifically agreed that Client is solely responsible for the determination
              of
              all
              Client criteria and score cutoffs
              and the communication and
              Verification
              of application of such cutoffs to and by the credit bureaus and
              other
              third party vendors of Client. Client
              certifies that it
              is
              solely
responsible
              for obtaining all data and information required by
              FIC
              under the
              Order
              Form and, as applicable, has a permissible Purpose as required by the
              Federal Credit Reporting Act for obtaining any
              required
              data. FIC does not
              guarantee the accuracy or completeness of the credit bureau records
which
              are
              scored using FIC models.

             

            9.
              Indemnification.
              Client
              shall assume, pay, indemnify, defend,
              hold harmless
              and reimburse FIC and its successors and assigns for
              any
              and
              all liabilities,
              damages,
              claims,
              suits,
              judgments, losses,
              costs, and
              expenses
              (including
              reasonable attorney’s fees
              and
court
              costs) directly
              or
              indirectly incurred
              by FIC in connection with any
              use
              of scores or other materials delivered
              hereunder.

             

            10.
              Assignment.
              Neither
              this Agreement nor any rights or obligations hereunder
              shall be assigned or otherwise transferred by
              Client
              without the prior written consent of FIC. This Agreement will be binding
              upon and inure
              to
              the benefit of the parties’ successors and
              assigns.
              Client agrees that FIC
              shall
              have the right to perform any or all of
              its
              obligations hereunder or as
              required by law through any affiliate.

             

            11.
              Publicity.
              FIC will
              not publicize or advertise this Agreement
              in internal
              business communications that
              are
              distributed throughout the
              company,
              in
              its
              advertising
              and
              promotional
              materials,
              or in
              communications
              with governmental agencies that are not, in FIC’s
              opinion, required
              by law, without Client’s prior written consent.

             

            12.
              Waiver.
              No
              waiver
              of any breach of any provision of this Agreement
              shall
              constitute a waiver of any prior, concurrent or subsequent breach
              of
the
              same
              or other provisions hereof. If any court of competent jurisdiction
              finds any
              part or provision of this Agreement to be invalid
              or unenforceable,
              such findings shall have no effect on
              any
              other part or provision of this Agreement.

             

            13.
              Miscellaneous.
              This
              Agreement constitutes the entire
              contract and final written expression of the parties with respect to
              the subject
              matter herein.
              Each party to this Agreement
              acknowledges that no representations, inducements, promises
              or Agreements, oral or otherwise made
              by
any
              party,
              which are not embodied herein, shall
              be
              valid or binding. The prevailing
              party in an action to enforce
              the terms of this Agreement will be entitled
              to attorneys’ fees and costs. This Agreement may be modified only
              by
              writing signed by authorized representatives
              of both the parties and may not
              be
              unilaterally modified by terms in a purchase order.
              The parties hereto
              are independent contractors and
              do
              not and will not have an employer/
              employee relationship. This Agreement is governed
              by the
              laws of
              the
              State of California, and the 1980 United Nations Convention
              on Contracts for the International Sale of
              Goods
              will not apply. In the case of any conflict between the provisions
              of this HSA
              and a given Order
              Form, with
              respect to the subject matter of the given Order Form, the
              provisions of
              the
              Order
              Form control.

             

            14.
              Counterparts.
              This HSA
              and the Order Forms may be executed by the
              parties on separate counterparts or signature pages, which will be
considered
              the same as if a single document had been executed. This
              HSA
and
              the
              Order Forms will
              become a binding agreement
              when
              one
              or
              more of
              such
              counterparts or signature pages has been executed by
              each
              of the parties and delivered
              (including by facsimile transmission) to
              the
              other party.
              Each counterpart of this document containing the valid signatures
              (including
              those delivered by facsimile) of each of the parties will be deemed
              an original,
              and all such counterparts and
              signature pages, taken together,
              will be considered a single document.

             

            15.
              Survival.
              The
              provisions of Sections 3 (Confidential Information), 4
              (Ownership), 5 (Termination), 6.3 (Warranty Disclaimer), 7 (Limitation
              on
Liability),
              9 (Indemnification) and 13 (Miscellaneous), 15
              (Survival) of this Agreement
              shall
              survive the termination or expiration of this Agreement.

             

            IN
              WITNESS Whereof, FIC and Client have caused this Agreement to be
              signed
in
              duplicate and
              delivered by
              their
duly
              authorized
              representatives
              as of May 15, 2006 (“the Effective Date”)

             

            
              
                	
                        CLIENT:
                          FEDERATED
                          INVESTORS INSURANCE COMPANY

                      
	
                        BY:

                      	 	
                        

                      
	
                        NAME:

                      	 	
                        Thomas
                          M. O’Leany

                      
	
                        TITLE:

                      	 	
                        VP
                          Underwriting

                      
	
                        DATE:

                      	 	
                        10
                          May 2006

                      
	 	 	
                         

                      
	
                        FAIR
                          ISAAC CORPORATION

                      
	
                        BY:

                      	 	
                        

                      
	
                        NAME:

                      	 	
                        Daniel
                          S. Chelew

                      
	
                        TITLE:

                      	 	
                        Vice
                          President Financial Planning & Analysis

                      
	
                        DATE:

                      	 	
                        May
                          15, 2006

                      

              

            

             

            Fair
              Isaac Corporation 

            Version
              1.5 (8-Sep-05)

            
               

              

               

              
                
                  FIC
                    Confidential Information

                  
                  

                

                
                  Page
                    2 of 2Exhibit
      10.51

    AMENDMENT
      NO. 1 TO CONSULTING AGREEMENT

    

    AMENDMENT
      NO. 1 TO CONSULTING AGREEMENT, dated as of May 30, 2006 (this “Amendment”), by
      and among Winner Medical Group Inc. (formerly, Las Vegas Resorts Corporation),
      a
      Nevada corporation (“Winner Medical”), Winner Group Limited, a Cayman Island
      company (“Winner Group,” together with Winner Medical, “Winner”) and Heritage
      Management Consultants, Inc., a South Carolina Corporation (“Consultant”).
      Capitalized terms used, but not otherwise defined, herein have the meanings
      ascribed to such terms in that certain Consulting Agreement, dated January
      25,
      2006, by and among Winner Medical, Winner Group and Consultant (the
“Agreement”).

    

    BACKGROUND

    

    Winner
      and Consultant are parties to the Agreement (the “Parties”), pursuant to which
      Consultant will provide consulting services to Winner and its affiliates in
      exchange for $175,000 and a warrant to purchase 200,000 shares of Winner Medical
      with an exercise price of $5.50 per share. The Parties now desire to enter
      into
      this Amendment to modify the terms of the Agreement as more specifically set
      forth herein. 

     

    AGREEMENT

    

    NOW,
      THEREFORE, in consideration of the mutual promises of the parties hereto, and
      of
      good and valuable consideration, the receipt and sufficiency of which are hereby
      acknowledged, the parties hereto agree as follows:

    

    1.  Amendment
      to Section 3(b) of the Agreement.
      The
      Agreement is hereby amended to delete Section 3(b) thereof in its entirety
      and
      in lieu thereof to insert the following new Section 3(b):

    

    “b.
      As
      further part of the consideration for Consultant’s services, Consultant shall
      receive Fifty Thousand (50,000) shares of common stock of Winner Medical (the
      “Shares”), which shall be delivered on or before July 31, 2006. The Shares shall
      be restricted stock and the certificate representing the Shares shall bear
      a
      customary legend referring to the Securities Act of 1933. Consultant shall
      not
      trade the Shares during the term of the Agreement if the Shares become freely
      tradable during the term.”

    

    2.  Agreement
      Remains in Force.
      Except
      as expressly set forth in this Amendment, the Agreement remains unmodified
      and
      in full force and effect.

    

    3.  Miscellaneous.
      This
      Amendment and the Agreement constitute the entire understanding among the
      parties hereto with respect to the subject matter hereof and may not be further
      amended, modified or supplemented except as specified in the Agreement. This
      Amendment may be executed in any number of counterparts, each of which shall
      be
      deemed an original and enforceable against the Parties actually executing such
      counterpart, and all of which, when taken together, shall constitute one
      instrument. Facsimile execution and delivery of this Agreement is legal, valid
      and binding execution and delivery for all purposes.

    

    4.  Agreement
      to File.
      Winner
      agrees to file with the Securities and Exchange Commission (the “Commission”) a
      Registration Statement on S-8 registering the sale by Consultant and its
      assignees of the Proposed Shares (the “Resale Registration Statement”) before
      December 31, 2006.

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    [signature
      page follows]

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    IN
      WITNESS WHEREOF,
      the
      parties hereto have executed this Amendment as of the date first set forth
      above. 

     

    
      	 	 	 
	 	
              WINNER
                MEDICAL GROUP INC.

            
	 
 	 
 	 
 
	 	By:  	/s/
              Jianquan Li
	 	
              

              Name:
                Jianquan Li

              Title:
                Chief Executive Officer and
                President

            

    

     

    
      
        	 	 	 
	 	
                WINNER
                  GROUP LIMITED

              
	 
 	 
 	 
 
	 	By:  	/s/
                Jianquan Li
	 	
                

                Name:
                  Jianquan Li

                Title:
                  Chief Executive Officer

              

      

    

    

    
       

      
        
          	 	 	 
	 	
                  
                    HERITAGE
                      MANAGEMENT CONSULTANTS, INC.

                  

                
	 
 	 
 	 
 
	 	By:  	/s/
                  Jim
                  H. Groh
	 	
                  

                  Name:
                    Jim H. Groh

                  Title:
                    President

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