Document:

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

                                                                    Exhibit 10.5

                           PROGRAM PROVIDER AGREEMENT

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

ARTICLE I.       DEFINITIONS

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

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

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

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

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

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

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

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

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

ARTICLE II.      PROGRAM AUTHORIZATION AND GENERAL OBLIGATIONS

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

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

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

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

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

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

ARTICLE III.     SUBCONTRACTORS

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

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

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

ARTICLE IV.      PROGRAM EXPENSES

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

ARTICLE V.       MARKETING MATERIALS REVIEW AND APPROVAL

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

ARTICLE VI.      TELEMARKETING REQUIREMENTS

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

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

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

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

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

ARTICLE VII.               MEMBERSHIP RETENTION; SATISFACTION

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

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

ARTICLE VIII.    CONFIDENTIAL INFORMATION

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

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

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

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

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

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

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

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

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

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

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

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

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

ARTICLE IX.      COMPLIANCE AUDITS; REPORTING

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

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

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

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

ARTICLE X.       BREACH; CURE

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

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

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

ARTICLE XI.      TERM; TERMINATION

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

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

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

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

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

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

ARTICLE XII.     PROPRIETARY RIGHTS

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

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

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

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

ARTICLE XIII.    CONTINGENCY PLANS; DISASTER RECOVERY

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

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

ARTICLE XIV.     REPRESENTATIONS, WARRANTIES, AND COVENANTS

        A. Provider represents, warrants and covenants that:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

                                       13
<PAGE>

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

        B. Citi represents, warrants and covenants that:

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

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

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

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

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

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

ARTICLE XV.      INDEMNIFICATION

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

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

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

                                       14
<PAGE>

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

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

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

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

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

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

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

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

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

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

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

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

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

ARTICLE XVI.     INDEPENDENT CONTRACTOR

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

                                       16
<PAGE>

ARTICLE XVII.    INSURANCE

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

ARTICLE XVIII.   ASSIGNMENT

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

ARTICLE XIX.     WAIVER; SEVERABILITY

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

                                       17
<PAGE>

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

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

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

ARTICLE XXI.     REMEDIES NOT EXCLUSIVE

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

ARTICLE XXII.    SURVIVAL OF AGREEMENT TERMS

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

ARTICLE XXIII.   NOTICES

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

                                       18
<PAGE>

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

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

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

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

ARTICLE XXIV.    REGULATORY AND CREDIT REPORTING AGENCY REQUIREMENTS

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

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

ARTICLE XXV.     ENTIRE AGREEMENT; CONFLICTS; AMENDMENT

                                       19
<PAGE>

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

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

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

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

By:      _____________________      By:          ________________________

Name:    _____________________      Name:        ________________________

Title:   _____________________      Title:       ________________________

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

By:      _____________________      By:          ________________________

Name:    _____________________      Name:       ________________________

Title:   _____________________      Title:      ________________________

                                       20
<PAGE>

                                                                    ATTACHMENT A

                          CITI MARKETING AND BRANDING

                                  REQUIREMENTS

                               LEGAL REVIEW MANUAL
                            FOR THIRD-PARTY PROGRAMS

                               Citicorp Credit Services, Inc.
                               Fourth Edition -
                               Revised November 2002

                                               First Edition: February 2000
                                              Second Edition: February 2001
                                                            Rev. April 2001
                                                            Rev. June  2001
                                                            Rev. July  2001
                                                         Rev. November 2001
                                                Third Edition: January 2002
                                               Fourth Edition: October 2002

<PAGE>

                    CITI MARKETING AND BRANDING REQUIREMENTS

                  LEGAL REVIEW MANUAL FOR THIRD-PARTY PROGRAMS

                                TABLE OF CONTENTS

<TABLE>
<CAPTION>
                                                                                                         Page No.
                                                                                                         --------
<S>                                                                                                      <C>
I.       Introduction and General Requirements                                                             2

II.      Requirements for Printed Marketing Materials                                                      5

        A. Branding
        B. Statement of Non-Affiliation - For Clubs Only
        C. Vendor Identification Disclosures
        D. Solicitations
        E. Plain Language Box
        F. Fulfillment Materials
        G. Renewal Notices

        Appendix II: Sample Approved Plain Language Boxes

III.    Branding Requirements for Use of Citi Branding in Programs by Third-Party Vendors                  19
        A. General Branding Requirements
        B. Direct Mail Pieces
        C. Fulfillment Materials
        D. Outer Envelopes
        E. Provider Business Reply Envelopes ("BRE") and business Reply Cards ("BRC")
        F. Statement Remit Envelopes and Billing Statement Outer Envelopes

        Appendix III: Branding Specifications for Third-Party Relationships

IV.     Telemarketing/Script Requirements                                                                  24
        A. Vendor Identification
        B. Description of Program/Offer
        C. Trial and Automatic Billing
        D. Automatic Renewal
        E. Confirmation
        F. Telemarketing Laws
        G. Approved Scripts and Q&A

        [TEXT IS ILLEGIBLE]

V.      Requirements for Disclosures for Oil Card Portfolios                                               38
        A. BP
        B. Citgo
        C. Shell
        D. Texaco/Shell

VI.     Requirements for Internet Marketing                                                                42
</TABLE>

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       1
<PAGE>

I.       INTRODUCTION AND GENERAL REQUIREMENTS

         This manual sets out Citi's requirements for materials used by
third-party providers ("Providers" or "Vendors") in communicating with Citi
cardmembers about Providers' programs. The term "Citi cardmember" includes
cardmembers of all Citigroup entities. Adjustments may be necessary for
marketing to cardmembers where the card product is identified by a name other
than Citi (including oil, private label, affinity, co-brand - e.g., AT&T
Universal Card, Associates Card, Verizon, Radio Shack). The term "Program
Materials" is used in this manual to mean all written, oral and electronic
communications with cardmembers, including, printed marketing materials, direct
mail, inserts, bangtails, fulfillment pieces, renewal notices, scripts and
telemarketing communications. Vendors must obtain Citi's approval prior to use
of any program materials. Citi's business managers and legal staff review all
materials proposed for use in third party programs to verify compliance with
these requirements.

         PROGRAM MATERIALS MUST PRESENT A FAIR AND ACCURATE DESCRIPTION OF THE
OFFER AND PREVENT CONSUMER CONFUSION. PROGRAM MATERIALS MUST NOT BE DECEPTIVE
UNDER STATE AND FEDERAL STANDARDS. GENERALLY:

         -        the program should offer value that is fairly described;

         -        the terms of the program should be accurately, fully, clearly,
                  and fairly disclosed;

         -        the communication should clearly identify the Provider and
                  that Citi is not affiliated with the Provider; and

         -        the communication not give the impression that Citibank is
                  offering or providing the program.

         Consistent with the above, every program should comply with the
         following requirements:

         1.       The program benefits should be accurately stated and fully
                  documented by supporting materials provided to Citi by
                  Provider.

         2.       The cardmember's obligation(s) should be communicated clearly
                  and should not be buried.

         3.       Where special promotional benefits are emphasized, key words
                  and phrases such as "free," "new," "important benefit,"
                  "special offer" or "exclusively" should be used accurately.

                  (a)      "Exclusive," as in "exclusive offer for..." or
                           "exclusively for..." means that the benefit or
                           program is available only to the group of offer
                           recipients.

                  (b)      "Special offer" means an offer that provides some
                           additional benefit (such as lower price, free
                           shipping, etc.) than is generally available when this
                           product is offered.

                  (c)      "New" may be used to describe something no more than
                           six months old.

                  (d)      "Free" may be used to describe something for which
                           the cardmember does not pay; however, if there are
                           any conditions or strings attached, they must be
                           disclosed CLEARLY AND CONSPICUOUSLY and ADJACENT to
                           the word "Free." (For example, it is not acceptable
                           to have the block-letter exclamation "FREE!" with the
                           conditions

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                        2

<PAGE>

                           in very small font or buried in a footnote, or to
                           have a teaser in a window that states FREE AIRLINE
                           TICKETS when the condition for receiving them is
                           enrollment and using them requires a hotel stay, or
                           to promote prominently the three months FREE magazine
                           subscription without properly disclosing the
                           automatic billing at the end of the free period.)
                           Certain states, such as [TEXT IS ILLEGIBLE] be
                           certain that any use of "Free" complies with state
                           law and must be able to provide support promptly if
                           so requested.

                  (e)      "Free Trial" is accurate when the trial period costs
                           nothing regardless of whether the customer cancels
                           before the trial ends or becomes automatically
                           enrolled. Program materials must clearly and
                           conspicuously disclose the membership fee; the fact
                           that if the Cardmember does not affirmatively cancel
                           before the end of the free trial period, the account
                           will be charged the membership fee; when the free
                           trial begins and its duration; and the method to
                           cancel and avoid any charge, including a toll-free
                           telephone number. Fulfillment materials must state
                           clearly and conspicuously that the account will be
                           charged automatically unless the Cardmember cancels
                           within the trial period. No Program Materials shall
                           state or represent that the Cardmember is not making
                           a purchasing decision by accepting the free trial
                           offer.

                  (f)      "Risk-Free" may NOT be used to describe a trial
                           period, whether free or not, if the trial period
                           leads to automatic enrollment unless the customer
                           cancels.

         4.       The Cardmember must not be charged for any portion of a trial
                  period described as "free" or "without cost" or
                  "complimentary." Cardmember must not be charged until AFTER
                  the free trial has ended and the cardmember has not cancelled.

         5.       There should be no confusion regarding the party making the
                  program offer. The communication should not be "on behalf of
                  Citibank," identify the program or product using the word
                  "Cardmember" or the like, or otherwise suggest that Citibank
                  is the provider, seller, or source of the program.

         6.       Materials should not suggest that specific cardmembers are
                  "eligible" or that they have been "selected" or "chosen" based
                  on personal attributes or credit card account data.

         7.       Materials should not state that the Provider "thanks the
                  customer for being a Citibank cardmember" or that the
                  Provider makes the offer to the customer "in appreciation for
                  being a valued Citibank cardmember." The relationship should
                  be described accurately - for example, that "Citibank arranged
                  for cardmembers to receive this offer from..."

                  (This is not to say that a specific word such as "valued" is
                  forbidden. The goal is to avoid phrases that blur the
                  distinction between the vendor and Citi, and to avoid the
                  implication that Citi's relationship with the customer is
                  appreciated by the vendor.)

         8.       Materials should not state that Citi is endorsing the program
                  or product or that the customer can trust the offer because
                  Citi is involved.

         9.       Providers must make courtesy literature ("send lit") available
                  for each program and must send them to cardmembers who request
                  such materials, whether or not the cardmember enrolls.

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                        3

<PAGE>

         10.      All descriptions of clubs and products must be substantiated
                  by the Vendor to Citibank's satisfaction as materially
                  accurate and complete.

         11.      Citi adheres to a fair lending policy, which means doing
                  business in a manner that does not discriminate or treat
                  consumers differently on any prohibited basis. Prohibited
                  bases include race, color, religion, national origin, sex
                  marital status, age, receipt of public assistance, good-faith
                  exercise of rights under the Consumer Credit Protection Act,
                  familial status and handicap. Citi is committed to the fair
                  and unbiased treatment of customers and requires that all
                  personnel - whether employed by a Citi entity, a Provider or
                  an outside telemarketer engaged by either- who have direct
                  contact with cardmembers must treat each cardmember in the
                  same equitable and respectful manner in all dealings.

IMPORTANT: PROVIDERS MUST REVIEW AND EDIT, AND OBTAIN THEIR OWN LEGAL APPROVAL
FOR, PROPOSED MATERIALS BEFORE THEY ARE SUBMITTED FOR REVIEW BY CITI BUSINESS
MANAGERS AND LEGAL STAFF, TO ENSURE FULL COMPLIANCE WITH ALL THE REQUIREMENTS
SET OUT IN THIS MANUAL AND FACILITATE INITIATION OF PROGRAM OPERATIONS. CITI
PROGRAM MANAGERS WILL NOT SUBMIT FOR LEGAL REVIEW ANY MATERIALS THAT DO NOT
COMPLY WITH THIS MANUAL. ONCE APPROVED BY CITI'S LEGAL REVIEW PROCESS, THE
MATERIALS MAY BE USED FOR SIX MONTHS, PROVIDED THEY CONTINUE TO BE ACCURATE.
MATERIALS MUST BE RESUBMITTED FOR CITI LEGAL APPROVAL IF (a) THERE ARE ANY
CHANGES, (b) CITI'S LEGAL REVIEWER REQUESTS A REVIEW, OR (c) THEY WILL BE USED
FOR LONGER THAN SIX MONTHS.

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                        4

<PAGE>

II.      REQUIREMENTS FOR PRINTED MARKETING MATERIALS

         In addition to conforming to the general requirements above, print
materials (including solicitations, whether direct mail, insert, bangtail or
electronic message; courtesy materials; fulfillment materials; renewal notices;
Plain Language Box "PLB") must comply with all applicable consumer protection
laws and regulations and must adhere to the following:

         A.       BRANDING

                  Materials must comply with Branding Requirements set forth in
                  Section III of this Manual and conform to the Branding
                  Specifications ("Branding Specs") for Third-Party
                  Relationships (from the Citigroup Brand Book) referenced in
                  Appendix III.A.

         B.       STATEMENT OF NON-AFFILIATION - FOR CLUBS ONLY

                  Where the materials mention Citibank in any fashion, they must
                  conspicuously disclose the identity of the Vendor and that
                  Citibank is not affiliated with the Vendor. On a program
                  solicitation, these required disclosures must appear in the
                  first textual page of the solicitation in close proximity to
                  the first textual reference to the Vendor.

         C.       VENDOR IDENTIFICATION DISCLOSURES

                  Materials must (1) identify the Vendor as provider of the
                  program; (2) state the Vendor's city and state; (3) unless
                  provided in the text, as described above, include a statement
                  that Citi is not affiliated with the Vendor, except for a
                  merchandise program or where the program is provided by a Citi
                  company, such as United States Auto Club, Motoring Division,
                  Inc. ("USAC/MD"); and (4) include a statement that the Vendor
                  is completely responsible for all goods and services, using
                  one of the following required disclosures, as appropriate, in
                  at least 8 point type:

                  1.       FOR CLUBS, EXCEPT DRIVE AMERICA (USAC/MD),
                           WATCH-GUARD AND ANY OTHER CITI PROGRAMS:

                           [Provider Name, City, State] and its providers, as
                           applicable, assume all responsibility and liability
                           for [Name of Program, or description such as "this
                           magazine offer"]. Citibank (South Dakota), N.A. the
                           issuer of your credit card, is not affiliated with
                           [Provider Name].

                  2.       FOR CLUBS PROVIDED BY A CITI AFFILIATE, SUCH AS DRIVE
                           AMERICA (USAC/MD) AND WATCH-GUARD:

                           [Provider Name, City, State] and its providers, as
                           applicable, assume all responsibility and liability
                           for [Name, of Program, or description such as "this
                           auto club program."]

                  3.       FOR MERCHANDISE:

                           [Provider Name, City, State] and its providers, as
                           applicable, assume all responsibility and liability
                           for [Name of Program or description such as "this
                           magazine offer"]. Citibank (South Dakota) N.A., the
                           issuer of your credit card, is a member of Citigroup.
                           By responding to this offer, you will be disclosing
                           all the information

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                        5

<PAGE>

                           requested above, including your credit card account
                           number, to a company outside the Citigroup family of
                           companies.

                  4.       For INSURANCE:

                           IF THERE IS AN UNDERWRITER BUT NO SEPARATE PROVIDER:
                           [Insurance Program Name] is underwritten by
                           [Underwriter Name, City, State], which assumes all
                           responsibility and liability for the program and the
                           insurance benefits provided thereunder.

                           IF THERE IS A PROVIDER AND UNDERWRITER: [Insurance
                           Program Name] is marketed by [Provider Name], which
                           assumes all responsibility and liability for the
                           marketing of the program. [Insurance Program Name] is
                           underwritten by [Underwriter name, City, State],
                           which assumes all responsibility and liability for
                           the insurance benefits.

                           IF THERE IS AN ADMINISTRATOR SEPARATE AND APART FROM
                           THE UNDERWRITER, ADD: The [Insurance Program Name] is
                           administered by [Program Administrator Name].

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                        6

<PAGE>

D.       SOLICITATIONS

         1.       Representations in solicitations regarding program benefits
                  and promotional items must be fully consistent with
                  Fulfillment Kit descriptions and written Terms and Conditions.
                  Claims and statements must be accurate, true and not
                  misleading. VENDOR MUST HAVE AVAILABLE FOR IMMEDIATE
                  PRESENTATION, UPON REQUEST BY CITI, SATISFACTORY EVIDENCE THAT
                  SUPPORTS EACH CLAIM/STATEMENT. All descriptions must be
                  substantiated to Citi's satisfaction by the Vendor being as
                  materially accurate and complete. Materials will be reviewed
                  by Citi for accuracy and completeness and to ensure that the
                  marketing is not misleading.

         2.       The enrollment coupon in a solicitation should contain the
                  following information in a font size of at least 8 points,
                  immediately above the signature line:

                  -        Price

                  -        Length and terms of trial, if any

                  -        Billing and renewal terms for programs with a term of
                           6 months or more

                  -        Satisfaction guarantee, right to cancel and refund
                           policy

                  Sample:

                  I can enjoy [Program Name] for [trial period] when I enroll.
                  If I decide not to continue my membership beyond the [trial
                  period] trial, I will cancel before the end of the trial and I
                  will not be billed. Otherwise, [Program Name] will notify
                  Citibank and Citibank will bill my credit card the [$ fee]
                  annual membership fee. And to ensure uninterrupted service, my
                  membership will be automatically renewed and my account billed
                  at the then-current annual fee, without my having to do
                  anything further, for as long as I wish to remain a member.
                  [Program Name] will send me a notice prior to renewal billing.
                  I can cancel during the first six months of my paid membership
                  for a full refund of my first year's membership fee.

                  PLEASE SIGN HERE:

                  _______________________________
                  Please sign here to enroll in [Program Name]

         3.       If a checkoff box is used for enrollment, the customer must be
                  required to initial, not just check.

         4.       The sales portion of the solicitation should also state the
                  following:

                  -        Price, set forth clearly and conspicuously on front
                           page

                  -        billing and renewal terms

                  -        terms of trial, if any (see specific requirements in
                           Section I)

                  -        satisfaction guarantee, right to cancel and refund
                           policy, and

                  -        all required disclosures (including, for insurance
                           pieces, required Disclosures to Consumer on the Sale
                           of Insurance, set forth in Section II.E.3. below).

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                        7

<PAGE>

         5.       Solicitations should not imply or state that the cardmember's
                  acceptance of the offer is for a (free) trial. It must be
                  clear that the cardmember is ENROLLING in a club or insurance
                  program with a trial period.

E.       PLAIN LANGUAGE BOX

         Except as otherwise approved, all program materials (except inserts,
         bangtails, and post cards), including direct mail solicitations,
         fulfillment kits, renewal notices and courtesy literature (sent lits),
         must include a complete, approved Plain Language Box ("PLB"). You will
         need two versions: One for solicitation materials and one for renewal
         materials.

         Each PLB shall be printed as follows:

         -        the title lines must be in Interstate Bold font, 10 point

         -        the body copy must be in either Interstate or Garamound font,
                  8 point, set on ten point line spacing; and

         -        the PLB overall must be consistent with the layout, spacing
                  and content categories of the applicable sample approved PLBs
                  in Appendix II.

         -        acceptable titles for the Citi (top) portion are: The Plain
                  Language Box brought to you by [choose one, as applicable] -

                  Citi
                  Your AT&T Universal Card
                  Your [Other Company such as Shell, Verizon] credit card
                  Your Associates credit card

         -        the Citi portion and the Provider portion should be divided by
                  a thick dark line (3-point or more).

         See samples in the Appendix to this section.

F.       FULFILLMENT MATERIALS

         1.       Claims and statements must be accurate, true and not
                  misleading. VENDOR MUST HAVE AVAILABLE FOR IMMEDIATE
                  PRESENTATION, UPON REQUEST BY CITI, SATISFACTORY EVIDENCE THAT
                  SUPPORTS EACH CLAIM/STATEMENT. Materials will be reviewed by
                  Citi for accuracy and completeness and to ensure that the
                  marketing is not misleading.

         2.       The following are required elements for cover letters used in
                  welcome kits (the PLB is in addition to, not in place of,
                  these cover letter elements):

                  -        The [annual fee] will be [amount]

                  -        The trial period

                  -        The time period for cancellation to avoid billing

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                        8

<PAGE>

                  -        How to cancel, with toll-free number

                  -        Automatic billing and renewal

3.   Fulfillment materials sent in response to any telemarketed solicitation for
     the sale of insurance, must contain in a clear and conspicuous manner the
     following disclosures (Disclosures to Consumer on Sale of Insurance) and a
     request to return a written acknowledgement of receipt of these disclosures
     (see Section IV. E. 3 for process):

     ~ This insurance product is not a deposit or other obligation of, or
     guaranteed by, [ISSUER] or an affiliate [if applicable] of [ISSUER].

     ~ This insurance product is not insured by the FDIC or any agency of the
     United States, by [ISSUER], or by an affiliate [if applicable] of [ISSUER].

G.       RENEWAL NOTICES

         FOR MEMBERSHIP CLUBS (NOT APPLICABLE TO INSURANCE) THAT ARE BILLED AT
         ONE TIME FOR A TERM OF SIX MONTHS OR MORE WITH AN AUTOMATIC RENEWAL,
         VENDORS ARE REQUIRED TO SEND A RENEWAL NOTICE BETWEEN 30 AND 60 DAYS
         PRIOR TO RENEWAL BILLING.

         The Renewal Notice may be either a separate notice or letter included
         with a mailing of other items, or on the cover of any catalog, or on
         the front of the top page of any multi-page set of renewal materials.

         There is no standard format for renewal notifications, however the
         notice must include the following required elements, presented as set
         forth below in a clear and conspicuous manner:

         (1)      If an envelope is used, the outside of the envelope containing
         those materials shall bear only the Cardmember's name and address,
         appropriate return address, appropriate information concerning the
         sender such as logo and club name, postage, and the following or
         substantially similar text in 14 point, upper case, bold font on the
         front side: "IMPORTANT INFORMATION CONCERNING UPCOMING CHARGE FOR
         MEMBERSHIP RENEWAL."

         (2)      If such notice is delivered electronically, the following or a
         substantially similar text shall appear in the subject line: "UPCOMING
         [TEXT IS ILLEGIBLE] RENEWAL."

         (3)      The renewal notice shall contain:

         (a)      The following or substantially similar text in at least 12
         point, upper case, bold font in the subject line or as the initial text
         in a paragraph containing only the text in (3)(b) below: "UPCOMING
         CHARGE FOR MEMBERSHIP RENEWAL" and

         (b)      The following or substantially similar text in at least
         12-point font in the text section:

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                        9

<PAGE>

         YOU ARE A MEMBER OF (CLUB NAME]. YOUR CURRENT MEMBERSHIP TERM IS DUE TO
         EXPIRE, AND WILL BE AUTOMATICALLY RENEWED ON [DATE]. YOU HAVE THE
         FOLLOWING CHOICES:

         -        RENEW YOUR MEMBERSHIP. DO NOTHING AND YOUR MEMBERSHIP WILL BE
         RENEWED AUTOMATICALLY AND $_______[RENEWAL MEMBERSHIP AMOUNT] WILL BE
         BILLED TO THE CREDIT CORD YOU DESIGNATED FUR THE BILLING OF YOUR
         INITIAL MEMBERSHIP CHARGE.

         -        CANCEL YOUR MEMBERSHIP. TO CANCEL YOUR MEMBERSHIP AND AVOID A
         [$ AMOUNT] CHARGE TO YOUR ACCOUNT FOR RENEWAL MEMBERSHIP, YOU MUST CALL
         [VENDOR OR SPONSORING ENTITY] AT [TOLL-FREE NUMBER] BEFORE THE RENEWAL
         DATE.

The Vendor may use a font smaller than 12 point for the above text if such
smaller font is at least two points larger than the other text in the letter and
is no smaller than 10 points.

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       10
<PAGE>

                                                                     APPENDIX II

A. SAMPLE CITI BRANDED - MEMBERSHIP CLUB - MONTHLY FEE

[TEXT IS ILLEGIBLE] PLAIN LANGUAGE BOX BROUGHT TO YOU BY CITI(R)

We work hard to bring valuable offers and services to our customers and to
ensure they are simple to understand and use. That's why we ask our service
providers to include this Plain Language Box for special offers to Citi
Cardmembers. As part of our commitment to quality, customer satisfaction and
business integrity, this Plain Language Box will help you to make an informed
decision. Under certain circumstances and upon notice, this program may be
discontinued or changed.

Citi is committed to keeping you informed about marketing and promotional offers
from reputable companies: however. [TEXT IS ILLEGIBLE] to receive these special
offers by phone or mail, simply call Customer Service at 1-800-xxx-xxxx

<PROGRAM PROVIDER> TELLS YOU ABOUT <PROGRAM NAME> IN PLAIN LANGUAGE

<Program Provider> is a travel membership program designed for people seeking
value for their travel and vacation dollar. Offering 5% rebate on all travel
reservations made through <Program Name> backed by a 110% low price guarantee
(find travel arrangements advertised for less and get the difference plus 10%)
on travel booked through <program name>, <program name> delivers a combination
[TEXT IS ILLEGIBLE] cruise, and car rental reservations. For further
information, please contact <program name> at <toll free number>.

SOME IMPORTANT             Travel Discounts are for Members only and are not
LIMITATIONS                transferable. Member's enrollment in <Program Name>
                           must be current at the time of requested Discounts.

                           For Hotel Discounts: rooms must be reserved through
                           XYZ Travel Services; Discounts are subject to
                           availability of rooms and are based on standard
                           published rates; blackout dates at participating
                           hotels may apply; Hotel Discounts may not be used in
                           conjunction with other Discounts or promotions.

                           All Cruise prices are per person, double occupancy,
                           and do not include administrative fees and taxes.

                           5% Rebate available only on travel booked by Members
                           and their immediate families and credited to the
                           credit card used to purchase your TripSaver
                           membership.

                           Rebates are not available on business travel. Please
                           see the membership Terms and Conditions for complete
                           details.

FREE TRIAL                 <Program Name> provides you a 30-day free trial
                           during which you are entitled to all the privileges
                           and benefits. Your trial begins when you receive your
                           membership kit.

PRICE AND                  Following the 30-day free trial, the monthly
AUTOMATIC                  membership fee of $XX.XX will be automatically billed
BILLING                    to your credit card account unless you call to cancel
                           during the trial period.

HOW TO CANCEL              To avoid a charge to your credit card, you must
AND AVOID                  cancel your membership before the end of the trial
CHARGE                     period by calling <Program Name> at <toll free
                           number>.

SATISFACTION               You may cancel at any time and receive a full refund
GUARANTEE                  of your current month's paid membership fee by
                           calling <toll free number>.

SERVICE PROVIDER           <Program Name> is provided by <Program Provider>,
                           <City, State>, which is not affiliated with Citibank.
                           <Program Provider> and its providers, as applicable,
                           assume all responsibility and liability with respect
                           to the program and its benefits.

                           For further information, contact <Program Name> at
                           <toll free number>.

                  (C) 2002 <Program Provider>
                  Citi is a registered service mark of Citicorp

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       11

<PAGE>

                                                                     APPENDIX II

[TEXT IS ILLEGIBLE]

[TEXT IS ILLEGIBLE] PLAIN LANGUAGE BOX BROUGHT TO YOU BY YOUR ASSOCIATES (OR
OTHER CARD TYPE) CREDIT CARD

We work hard to bring valuable offers and services to our customers and to
ensure they are simple to understand and use. That's why we ask our service
providers to include this Plain Language Box for special offers to <Associates
(or other Card Type) - optional> Cardmembers. As part of our commitment to
quality, customer satisfaction and business integrity, this Plain Language Box
will help you to make an informed decision. Under certain circumstances and upon
notice, this program may be discontinued or changed.

We are committed to keeping you informed about marketing and promotional offers
from reputable companies: however, if you prefer not to receive these special
offers by phone or mail, simply call Associates (or other Card Type) Customer
Service at <toll free number>

<PROGRAM PROVIDER> TELLS YOU ABOUT <PROGRAM NAME> IN PLAIN LANGUAGE

<Program Name> is a travel membership program designed for people seeking value
for their travel and vacation dollar. Offering 5% rebate on all travel
reservations made through <Program Name>, backed by a 110% low price guarantee
(find travel arrangements advertised for less and get the difference plus 10%)
on travel booked through <Program Name>, <Program Name> delivers a combination
of special offers and cash-back rebates on hotel, air, cruise, and car rental
reservations. For further information, please contact <Program [TEXT IS
ILLEGIBLE]

SOME IMPORTANT             Travel Discounts are for Members only and are not
LIMITATIONS                transferable. Member's enrollment in <Program Name>
                           must be current at the time of requested Discounts.

                           For Hotel Discounts: rooms must be reserved through
                           XYZ Travel Services; Discounts are subject to
                           availability of rooms and are based on standard
                           published rates: blackout dates at participating
                           hotels may apply; Hotel Discounts may not be used in
                           conjunction with other [TEXT IS ILLEGIBLE]

                           All Cruise prices are per person, double occupancy,
                           and do not include administrative fees and taxes.

                           5% Rebate available only on travel booked by Members
                           and their immediate families and credited to the
                           credit card used to purchase your TripSaver
                           membership.

                           Rebates are not available on business travel. Please
                           see the membership Terms and Conditions for complete
                           details.

FREE TRIAL                 <Program Name> provides you a 30-day free trial
                           during which you are entitled to all the privileges
                           and benefits. Your trial begins when you receive your
                           membership kit.

PRICE AND                  Following the 30-day free trial, the monthly
AUTOMATIC                  membership fee of $XX.XX will be automatically billed
BILLING                    to your credit card account unless you call to cancel
                           during the trial period.

HOW TO CANCEL              To avoid a charge to your credit card, you must
AND AVOID                  cancel your membership before the end of the trial
CHARGE                     period by calling <Program Name> at <toll free
                           number>.

SATISFACTION               You may cancel at any time and receive a full refund
GUARANTEE                  of your current month's paid membership fee by
                           calling <toll free number>.

SERVICE PROVIDER           <Program Name> is provided by <Program Provider>,
                           <City, State>, which is not affiliated with Citibank,
                           the issuer of your credit card. <Program Provider>
                           and its providers, as applicable, assume all
                           responsibility and liability with respect to the
                           program and its benefits.

                           For further information, contact <Program Name> at
                           <toll free number>.

                  (C) 2002 <Program Provider>

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       12

<PAGE>

                                                                     APPENDIX II

C. SAMPLE CITI BRANDED - MEMBERSHIP CLUB - NEW - ANNUAL FEE

[TEXT IS ILLEGIBLE] PLAIN LANGUAGE BOX BROUGHT TO YOU BY CITI(R)

We work hard to bring valuable offers and services to our customers and to
ensure they are simple to understand and use. That's why we ask our service
providers to include this Plain Language Box for special offers to Citi
Cardmembers. As part of our commitment to quality, customer satisfaction and
business integrity, this Plain Language Box will help you to make an informed
decision. Under certain circumstances and upon notice, this program may be
discontinued or changed.

Citi is committed to keeping you informed about marketing and promotional offers
from reputable companies: however, if you prefer not to receive these special
offers by phone or mail, simply call Customer Service at 1-800-xxx-xxxx

<PROGRAM PROVIDER> TELLS YOU ABOUT <PROGRAM NAME> IN PLAIN LANGUAGE.

<Program Provider> is a travel membership program designed for people seeking
value for their travel and vacation dollar. Offering 5% rebate on all travel
reservations made through <Program Name> backed by a 110% low price guarantee
(find travel arrangements advertised for less and get the difference plus 10%)
on travel booked through <program name>, <program name> delivers a combination
of special offers and cash-back rebates on hotel, air, cruse, and car rental
reservations. For further information, please contact <program [TEXT IS
ILLEGIBLE]

SOME                       Travel Discounts are for Members only and are not
IMPORTANT                  transferable. Member's enrollment in <Program Name>
LIMITATIONS                must be current at the time of requested Discounts.

                           For Hotel Discounts: rooms must be reserved through
                           XYZ Travel Services; Discounts are subject to
                           availability of rooms and are based on standard
                           published rates; blackout dates at participating
                           hotels may apply; Hotel Discounts may not be used
                           [TEXT IS ILLEGIBLE]

                           [TEXT IS ILLEGIBLE] not include administrative fees
                           and taxes.

                           5% Rebate available only on travel booked by Members
                           and their immediate families and credited to the
                           credit card used to purchase your TripSaver
                           membership.

                           Rebates are not available on business travel. Please
                           see the membership Terms and Conditions for complete
                           details.

TRIAL                      <Program Name> provides you 30 days during which you
                           are entitled to all the privileges and benefits. Your
                           trial begins when you receive your membership kit.

PRICE AND                  Following the 30-day trial, the annual membership fee
AUTOMATIC                  of $XX.XX, which includes the initial 30-day trial,
BILLING                    will be automatically billed to your credit card
                           account unless you call to cancel during the 30-day
                           trial period.

HOW TO CANCEL              To avoid a charge to your credit card, you must
AND AVOID                  cancel your membership before the end of the trial
CHARGE                     period by calling <Program Name> at <toll free
                           number>..

AUTOMATIC                  To ensure uninterrupted service, the membership fee
RENEWAL                    for renewal will be charged automatically to your
                           credit card at the beginning of the renewal period at
                           the then-current membership fee. You will receive
                           written notice prior to renewal billing. To avoid a
                           charge for the renewal fee, you must cancel your
                           membership upon receiving the renewal notice by
                           calling <Program Name> at <toll free number>.

SATISFACTION               You may cancel at any time during the first 6 months
GUARANTEE                  after your trial period and receive a full refund of
                           your first year's membership fee by calling <toll
                           free number>.

SERVICE PROVIDER           <Program Name> is provided by <Program Provider>,
                           <City, State>, which is not affiliated with Citibank.
                           <Program Provider> and its providers, as applicable,
                           assume all responsibility and liability with respect
                           to the program and its benefits.

                           For further information, contact <Program Name> at
                           <toll free number>.

                  (C) 2002 <Program Provider>
                  Citi is a registered service mark of Citicorp

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                              [TEXT IS ILLEGIBLE]
<PAGE>

                                                                     APPENDIX II

[TEXT IS ILLEGIBLE] SAMPLE OTHER BRAND - MEMBERSHIP CLUB - NEW - ANNUAL FEE

[TEXT IS ILLEGIBLE] PLAIN LANGUAGE BOX BROUGHT TO YOU BY YOUR ASSOCIATES - (OR
OTHER CARD TYPE) CREDIT CARD

We work hard to bring valuable offers and services to our customers and to
ensure they are simple to understand and use. That's why we ask our service
providers to include this Plain Language Box for special offers to <Associates
(or other Card Type) - optional> Cardmembers. As part of our commitment to
quality, customer satisfaction and business integrity, this Plain Language Box
will help you to make an informed decision. Under certain circumstances and upon
notice, this program may be discontinued or changed.

We are committed to keeping you informed about marketing and promotional offers
from reputable companies; however, if you prefer not to receive these special
offers by phone or mail, simply call Associates (or other Card Type) Customer
Service at <toll free number>

<PROGRAM PROVIDER> TELLS YOU ABOUT <PROGRAM NAME> IN PLAIN LANGUAGE

<Program Name> is a travel membership program designed for people seeking value
for their travel and vacation dollar. Offering 5% [TEXT IS ILLEGIBLE] backed by
a 110% low price guarantee (find travel arrangements advertised for less and get
the difference plus 10%) on travel booked through <Program Name>, <Program Name>
delivers a combination of special offers and cash-back rebates on hotel, air,
cruise, and car rental reservations. For further information, please contact
<Program Name> at <toll free number>.

[TEXT IS ILLEGIBLE]        Travel Discounts are for Members only and are not
LIMITATIONS                transferable. Member's enrollment in
                           <Program Name> must be current at the time of
                           requested Discounts.

                           For Hotel Discounts: rooms must be reserved through
                           XYZ Travel Services; Discounts are subject to
                           availability of [TEXT IS ILLEGIBLE] on standard
                           published rates; blackout dates at participating
                           hotels may apply; Hotel Discounts [TEXT IS ILLEGIBLE]
                           in conjunction with other Discounts or promotions.

                           All Cruise prices are per person, double occupancy,
                           and do not include administrative fees and taxes.

                           5% Rebate available only on travel booked by Members
                           and their [TEXT IS ILLEGIBLE] and credited to the
                           credit card used to purchase your TripSaver
                           membership.

                           Rebates are not available on business travel. Please
                           see the membership Terms and Conditions for complete
                           details.

TRIAL                      <Program Name> provides you 30 days during which you
                           are entitled to all the privileges and benefits. Your
                           trial begins when you receive your membership kit.

PRICE AND                  Following the 30-day trial, the annual membership fee
AUTOMATIC                  of $XX.XX, which includes the initial 30-day trial,
BILLING                    will be automatically billed to your credit card
                           account unless you call to cancel during the 30-day
                           trial period.

HOW TO CANCEL              To avoid a charge to your credit card, you must
AND AVOID                  cancel your membership before the end of the trial
CHARGE                     period by calling <Program Name> at <toll free
                           number>.

AUTOMATIC                  To ensure uninterrupted service, the membership fee
RENEWAL                    for renewal will be charged automatically to your
                           credit card at the beginning of the renewal period at
                           the then-current membership fee. You will receive
                           written notice prior to renewal billing. To avoid a
                           charge for the renewal fee, you must cancel your
                           membership by calling <Program Name> at
                           <toll free number>.

SATISFACTION               You may cancel at any time during the first 6 months
GUARANTEE                  after your trial period and receive a full refund of
                           your first year's membership fee by calling
                           <toll free number>.

SERVICE PROVIDER           <Program Name> is provided by <Program Provider>,
                           <City, State>, which is not affiliated with Citibank,
                           the issuer of your credit card. <Program Provider>
                           and its providers, as applicable, assume all
                           responsibility and liability with respect to the
                           program and its benefits.

                           For further information, contact <Program Name> at
                           <toll free number>.

                  (C) 2002 <Program Provider>

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       15
<PAGE>

APPENDIX II

F. SAMPLE OTHER CARD - MEMBERSHIP CLUB - RENEWAL - ANNUAL FEE

[TEXT IS ILLEGIBLE] PLAIN LANGUAGE BOX BROUGHT TO YOU BY YOUR ASSOCIATES (OR
OTHER CARD TYPE) CREDIT CARD

We work hard to bring valuable offers and services to our customers and to
ensure they are simple to understand and use. That's why we ask our service
providers to include this Plain Language Box for special offers to <Associates
(or other Card Type) - optional> cardmembers. As part of our commitment to
quality, customer satisfaction and business integrity, this Plain Language Box
will help you to make an informed decision. Under certain circumstances and upon
notice, this program may be discontinued or changed.

We are committed to keeping you informed about marketing and promotional offers
from [TEXT IS ILLEGIBLE] not to receive these special offers by phone or mail,
simply call Associates (or other Card Type) credit card Customer Service at
<toll free number>.

<PROGRAM PROVIDER> TELLS YOU ABOUT <PROGRAM NAME>(SM) IN PLAIN LANGUAGE

<Program Name> is a travel membership program designed for people seeking value
for their travel and vacation dollar. Offering 5% rebate on all travel
reservations made through <Program Name>, backed by a 110% low price guarantee
(find travel arrangements [TEXT IS ILLEGIBLE] plus 10% on travel booked through
<Program Name>, <Program Name> delivers a [TEXT IS ILLEGIBLE] special offers and
cash-back rebates on hotel, air, cruise, and car rental reservations. For
further information, please contact <Program Name> at <toll free number>.

SOME                       Travel Discounts are for Members only and are not
IMPORTANT                  transferable. Member's enrollment in <Program Name>
LIMITATIONS                must be current at the time of requested Discounts.

                           For Hotel Discounts: rooms must be reserved through
                           XYZ Travel Services; Discounts are subject to
                           availability of rooms and are based on standard
                           published rates; blackout dates at participating
                           hotels may apply; Hotel Discounts may not be used in
                           conjunction with other Discounts or promotions.

                           All Cruise prices are per person, double occupancy,
                           and do not include administrative fees and taxes.

                           5% Rebate available only on travel booked by Members
                           and their immediate families and credited to the
                           credit card used to purchase your <Program Name>
                           membership.

                           Rebates are not available on business travel. Please
                           see the membership Terms and Conditions for complete
                           details.

RENEWAL NOTICE             Your membership is about to be renewed.

PRICE                      The annual membership fee of $XX.XX will be
AUTOMATIC                  automatically billed to your credit card unless you
BILLING                    cancel.

HOW TO CANCEL              You must cancel your renewal years' membership upon
AND AVOID                  receipt of renewal notice to avoid a charge or at the
CHARGE                     time of billing to get a refund.

AUTOMATIC                  To ensure uninterrupted service, the membership fee
RENEWAL                    for renewal will be charged automatically to your
                           credit card at the beginning of the renewal period at
                           the then-current membership fee. You will receive
                           written notice prior to renewal billing. To avoid a
                           charge for the renewal fee, you must cancel your
                           membership upon receiving the renewal notice by
                           calling <Program Name> at <toll free number>.

SERVICE                    <Program Name> is provided by <Program Provider>,
PROVIDER                   <City, State>, which is not affiliated with Citibank,
                           the issuer of your credit card. <Program Provider>
                           and its providers, as applicable, assume all
                           responsibility and liability with respect to the
                           program and its benefits.

                           For further information, contact <Program Name> at
                           <toll free number>.

                  (C) 2002 <Program Provider>

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       16

<PAGE>

                                                                     APPENDIX II

[TEXT IS ILLEGIBLE] SAMPLE CITI BRANDED - INSURANCE - MONTHLY FEE

[TEXT IS ILLEGIBLE] PLAIN LANGUAGE BOX BROUGHT TO YOU BY CITI [TEXT IS
ILLEGIBLE]

We work hard to bring valuable offers and services to our customers and to
ensure they are simple to understand and use. That's why we ask our service
providers to include this Plain Language Box for special offers to Citi
Cardmembers. As part of our commitment to quality, customer satisfaction and
business integrity, this Plain Language Box will help you to make an informed
decision. Under certain circumstances and upon notice, this program may be
discontinued or changed.

    Citi is committed to keeping you informed about marketing and promotional
           offers from reputable companies; however, it you prefer not
          to receive these special offers by phone or mail, simply call
                       Customer Service at 1-800-xxx-xxxx

<UNDERWRITER> TELLS YOU ABOUT <Program NAME> IN PLAIN LANGUAGE

<Program Name> is term life insurance.

-        If you are 18 to 55 years old. you can apply for $25,000 up to a
         maximum of $100,000.

-        If you are 65 to 64 years old. you can apply for $10,000 up to a
         maximum of $50,000.

-        No medical exam is needed to obtain your <program name> coverage.
         Acceptance is usually based on your answers to the health questions
         listed on the brief application form.

-        The benefit amount you choose will stay the same as long as your
         premiums are paid each month.

-        Your premium will stay the same for the first five years. For each
         five-year period after that, you'll receive a new premium rate based on
         your age at the time until your coverage ends at age 80. See the
         enclosed rate chart for details.

For further information, please contact <Underwriter>at <toll free number>.

AN IMPORTANT               The policy pays 100% starting the first day it is in
LIMITATION                 force for death from any cause except suicide within
                           two years form the policy date.
(OR SOME
IMPORTANT
LIMITATIONS)

PREMIUM RATES              Your premium amount will be based on factors such as
AND AUTOMATIC              your age, gender, smoking status, answers to health
BILLING                    questions on the application and benefit amount
                           approved. For your convenience, your premiums will be
                           billed to your credit card account each month unless
                           you elect to use another available method to pay. See
                           the enclosed rate chart for details.

RIGHT TO CANCEL            If you are accepted for coverage, <Underwriter> will
                           issue your policy and mail it to you for your
                           approval. You'll have a full xx days to review your
                           policy. If for some reason you decide the coverage is
                           not for you, call <toll free number> to cancel during
                           this review period and <Underwriter> will refund any
                           premium billed to you. After the review period, you
                           may cancel your coverage at any time after which you
                           will no longer be billed.

SERVICE PROVIDER           <Program Name> is underwritten by <Underwriter>,
                           <City, State>. <Underwriter> assumes all
                           responsibility and liability for the insurance
                           program and its benefits.

                           For further information, contact <Program Name> at
                           <toll free number>.

                  (C) 2002 <Underwriter>
                  Citi is a registered service mark of Citicorp

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       17

<PAGE>

                                                                     APPENDIX II

H. SAMPLE OTHER BRANDED - INSURANCE - MONTHLY FEE

[TEXT IS ILLEGIBLE] PLAIN LANGUAGE BOX BROUGHT TO YOUR ASSOCIATES (OR OTHER CARD
TYPE) CREDIT CARD

We work hard to bring valuable offers and services to our customers and to
ensure they are simple to understand and use. That's why we ask our service
providers to include this Plain Language Box for special offers to <Associates
(or other card type) - optional> Cardmembers. As part of our commitment to
quality, customer satisfaction and business integrity, this Plain Language Box
will help you to make an informed decision. Under certain circumstances and
upon notice, this program may be discontinued or changed.

We are committed to keeping you informed about marketing and promotional offers
 from reputable companies; however, if you prefer not to receive these special
                      offers by phone or mail, simply call
                       Customer Service at 1-800-xxx-xxxx

<UNDERWRITER> TELLS YOU ABOUT <PROGRAM NAME> IN PLAIN LANGUAGE

<Program Name> [TEXT IS ILLEGIBLE] life insurance.

-        If you are 18 to 55 years old. you can apply for $25,000 up to a
         maximum of $100,000.

-        If you are 65 to 64 years old. you can apply for $10,000 up to a
         maximum of $50,000.

-        No medical exam is needed to obtain your <program name> coverage.
         Acceptance is usually based on your answers to the health questions
         listed on the brief application form.

-        The benefit amount you choose will stay the same as long as your
         premiums are paid each month.

-        Your premium will stay the same for the first five years. For each
         five-year period after that, you'll receive a new premium rate based on
         your age at the time until your coverage ends at age 80. See the
         enclosed rate chart for details.

For further information, please contact <Underwriter> at <toll free number>.

AN IMPORTANT               The policy pays 100% starting the first day it is in
LIMITATION                 force for death from any cause except suicide within
                           two years form the policy date.
OR SOME
IMPORTANT
LIMITATIONS)

PREMIUM RATES              Your premium amount will be based on factors such as
AND AUTOMATIC              your age, gender, smoking status, answers to health
BILLING                    questions on the application and benefit amount
                           approved. For your convenience, your premiums will be
                           billed to your credit card account each month unless
                           you elect to use another available method to pay. See
                           the enclosed rate chart for details.

RIGHT TO CANCEL            If you are accepted for coverage, <Underwriter> will
                           issue your policy and mail to you for your approval.
                           You'll have a full xx days to review your policy. If
                           for some reason you decide the coverage is not for
                           you, call <toll free number> to cancel during this
                           review period and <Underwriter> will refund any
                           premium billed to you. After the review period, you
                           may cancel your coverage at any time after which you
                           will no longer be billed.

SERVICE PROVIDER           <Program Name> is underwritten by <Underwriter>,
                           <City, State>. <Underwriter> assumes all
                           responsibility and liability for the insurance
                           program and its benefits.

                           For further information, contact <Program Name> at
                           <toll free number>.

                  (C) 2002 <Underwriter>

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       18
<PAGE>

III.     BRANDING REQUIREMENTS FOR USE OF CITI CARDS BRANDING IN PROGRAMS BY
         THIRD-PARTY VENDORS

         The following are minimum requirements for marketing materials of
third-party programs in which Citi Cards branding, including branding of
Citibank-branded cards, AT&T Universal Card, oil, Affinity, agent bank and
private label cards. References in this Manual to the Citi logo or Citi Cards
branding mean the approved logo for each card. The objectives are to protect
against impermissible or inappropriate use of Citi Cards branding and to clarify
the roles of Citi Branding and Vendor branding. These requirements do not
preclude additional or more prominent use of the Vendor's brand or the program
name on program materials.

         Branding policies are subject to change. The current approved Branding
Specifications for Third-Party Relationships ("Branding Specs"), a section of
the Citigroup Brand Book, are referenced in Appendix III. A. Citi requires
strict adherence to these Branding Specs.
------ ---------

         A.       GENERAL BRANDING REQUIREMENTS (SPECIFIC REQUIREMENTS AND
                  EXCEPTIONS FOLLOW THIS SECTION):

                  1.       [TEXT IS ILLEGIBLE] of confusion regarding the source
                           of the materials or the entity making and fulfilling
                           the offer.

                  2.       The Vendor's name and/or logo, and the program name
                           and/or logo, may be used as prominently and
                           frequently as desired. In the case of a program name
                           containing "Citibank" or "Citi," the Vendor's name
                           should appear immediately beneath the program name
                           (e.g., "Provided By Vendor Company").

                  3.       Citi Cards branding must always consist of the
                           appropriate logo accompanied by a subscript that
                           [TEXT IS ILLEGIBLE] is for Cardmembers. For example,
                           a Citibank-branded card would use the Citi logo
                           accompanied by "For Citi Cardmembers" IMMEDIATELY
                           below. For Citibank branded cards, the logo to be
                           used is the "Citi with Arc Design." For the AT&T
                           Universal Card, the approved AT&T Universal
                           third-party logo is to be used, accompanied by "An
                           Offer For Cardmembers."

                  4.       Citi Cards branding may be used ONLY where the
                           Vendor's or program branding is used with greater (or
                           in certain unusual cases, at least equal) prominence.
                           For outer envelopes, the Citi Cards branding as
                           described above may appear on the lower portion of
                           the front of the envelope, with the vendor's branding
                           and return address on the back flap or in the return
                           address block.

                  5.       In each instance where Citi Cards branding is used
                           along with a Vendor's or program [Text is illegible]
                           program branding must appear first (above or in
                           front).

                  6.       Citi Cards branding may not be used at the top of
                           envelopes or correspondence, or in such a manner (for
                           example, side-by-side with the Vendor/Program
                           branding) as would imply that a program is
                           co-branded. Instead, the Vendor or program brand
                           should be placed at the top, with Citi Cards branding
                           placed lower on the piece.

         B.       DIRECT MAIL PIECES (INCLUDING SOLOS, SNAP-PACKS, INSERTS,
                  BANGTAILS, LIFT NOTES AND LITERATURE-SENDS):

                  1.       ALL PRINTED MATERIALS EXCEPT LIFT NOTES:

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       19

<PAGE>

                  (a)      The Vendor's logo and or identifying information must
                           appear first on any page that contains Citi Cards
                           branding

                  (b)      The Citi or card-type logo may be used in strict
                           conformity with the Branding Specs, as follows:

                           (i)      in no event is the Citi Cards branding to be
                                    used as the only branding

                           (ii)     the Citi or card-type logo may not be placed
                                    at the top of the material

                           (iii)    in no event may the Citi or card-type logo
                                    be larger than the logo of the
                                    Vendor/Program. The recommended ratio is for
                                    the Citi or card-type logo to be no more
                                    than 2/3 the size of the Vendor/Program
                                    logo.

                           (iv)     The Citi or card-type logo must be
                                    accompanied by the approved language that
                                    clarifies the card issuer's role,: "For Citi
                                    Cardmembers," sized as follows:

                                    -        the maximum size of the "Citi with
                                             arc design" logo on 8 1/2 by 11
                                             inch paper should be 3/4" wide

                                    -        for smaller pieces, the logo size
                                             should be reduced proportionately.

                  2.       INSERTS AND BANGTAILS:

                           Because these are mailed with or attached to Citi
                           Cards materials, extra care must be taken to avoid
                           confusion about the source of the offer.

                           Regardless of whether the insert or bangtail displays
                           Citi Cards branding, the Vendor must be clearly and
                           prominently identified. In some situations, the
                           Vendor has no brand or logo that would provide an
                           identification that would differentiate the Vendor
                           from the card issuer. In such cases, the Vendor
                           should be identified prominently on the FRONT of the
                           insert or bangtail as follows: An offer for
                           Cardmembers from [Vendor Name]. The Vendor disclosure
                           (see II.C.3) in at least 8 point font, must appear on
                           the back or front.

                           If there is a recognizable product name or logo
                           (e.g., Lenox, Eureka) it may also be used.

                  3.       LIFT NOTES (WHICH ARE COVER LETTERS OR LETTERS OF
                           INTRODUCTION):

                           Lift Notes may be from an officer of the Citi Cards
                           issuer and may be Citi Cards-branded. They may be
                           included to accompany the Vendor's own marketing
                           materials, to introduce the product and/or the
                           contents of the mailing but NOT to sell the product.
                           Lift note language should be limited to
                           communications such as "bring to your attention,"
                           "introduce you to," "we have arranged to have Vendor
                           offer Cardmembers" and the like. The bank officer
                           should not describe attributes or benefits of the
                           particular product or service being offered.
                           Standards specifically for Citi Cards branding of
                           lift notes are in the Branding Specs under the
                           heading "Letterhead with Citi/Citibank logo."

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       20

<PAGE>

         C.       FULFILLMENT MATERIALS:

                  1.       Citi Cards branding is not encouraged, but may be
                           used, on fulfillment materials, if used SPARINGLY and
                           in accordance with the requirements for Direct Mail
                           pieces set forth in III.B above. Citi Cards branding
                           should not be used in such a way as to [TEXT IS
                           ILLEGIBLE] confusion. For example. Citi Cards
                           branding should not be placed on every page,
                           displayed prominently, or placed at the top of the
                           materials.

                  2.       Citi branding should not be used on components of
                           fulfillment materials such as insurance certificates
                           or policies.

         D.       OUTER ENVELOPES:

                  1.       A primary goal is to ensure that the recipient does
                           not perceive that the mailing concerns the account,
                           which could conceivably occur if the Citi Cards logo,
                           modified only by "For Citi Cardmembers," is placed on
                           the front of the envelope, without a Vendor or
                           program logo on the envelope.

                  2.       The return address should be the Vendor's, and it
                           should be accompanied by the Vendor's corporate name
                           or the program name. In the case of a program name
                           containing "Citi," the Vendor's name should appear
                           immediately beneath the program name.

                  3.       The Citi Cards logo may be used, in strict compliance
                           with the Branding Specs, on the bottom portion of the
                           envelope ONLY, provided that:

                           -        the Vendor's/Program logo or name is in at
                                    least 12 point font and is placed in the
                                    return address position on the front or back
                                    of the envelope

                           -        the "Citi with arc design" or other
                                    card-type logo is sized no larger than 1/2"
                                    wide for any envelope

                           -        the Citi Cards logo is accompanied by
                                    language immediately below it stating "For
                                    Citi [or card type] Cardmembers."

                  4.       Adjectives such as "only" or "new" or "exclusive" or
                           "special" or "valuable" may be used as appropriate,
                           but only where they are accurate and substantiated.

         E.       PROVIDER BUSINESS REPLY ENVELOPES ("BRE") (EXCLUDING BANK
                  BILL-PAYMENT RETURN ENVELOPES), BUSINESS REPLY CARDS ("BRC"),
                  AND VENDOR SELF-MAILERS:

                  1.       These must be addressed to the Vendor.

                  2.       The Vendor's or program logo or identifying
                           information (such as a name) must be included, in
                           compliance with the Branding Specs, on either the
                           upper front or upper back of the envelope. In the
                           case of a program name containing "Citi," the
                           Vendor's name should appear immediately beneath the
                           program name.

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       21

<PAGE>

                  3.       The Citi Cards logo may be used on the bottom portion
                           of the envelope only, provided that it is:

                           -        sized as described in III.D above;

                           -        accompanied by "For Citi [or card-type]
                                    Cardmembers" language immediately below and
                                    as prescribed in the Branding Specs; and

                           -        is visually less prominent than the Vendor
                                    or program branding.

         F.       STATEMENT REMIT ENVELOPES and BILLING STATEMENT OUTER
                  ENVELOPES:

                  These are not third-party pieces and therefore may use Citi
                  Cards branding. Do not put "An Offer for Citi Cardmembers" or
                  the "For Citi Cardmembers" special branding for third-party
                  programs or any like phrase on the statement remit envelope or
                  billing statement outer envelope.

                  A template for bangtail remit envelopes appears in the
                  Branding specifications. Mechanicals must follow this template
                  exactly.

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       22

<PAGE>

                                  APPENDIX III

              BRANDING SPECIFICATIONS FOR THIRD-PARTY RELATIONSHIPS
                     (AS SET FORTH IN CITIGROUP BRAND BOOK)

         Cards Guidelines for Third-Party Relationships dated 10/01 or later are
         incorporated by reference. Please refer to separate document, which can
         be found by Citi employees on the Citi Intranet and provided to Vendors
         upon request.

                  Select "Consumer Group" from "Businesses" on the Citigroup
                  home page.

                  Select "internal links."

                  Select "Citi Cards."

                  Select "Branding" to see or download the entire manual.

                  Select "Download Logos" to get the artwork.

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       23

<PAGE>

IV.      TELEMARKETING/SCRIPT REQUIREMENTS

         Each proposed script must be submitted for Citi approval and must be in
full compliance with the requirements set out below. Citi may revise these
requirements and approved scripting language.

         A.       VENDOR IDENTIFICATION

                  1.       Throughout the script, ensure that nouns, pronouns,
                           and other language are not used in a way that
                           indicates or suggests that the program or call is
                           from Citi. Scripts should not use "we" and "our,"
                           substituting instead the name of the Vendor. Scripts
                           should avoid use of ambiguous pronouns or vague
                           identifying information.

                  2.       (a)      In the beginning of the script, the
                                    telemarketer must clearly identify the
                                    third-party Vendor on whose behalf (s)he is
                                    calling. Where the call is being made by the
                                    third-party (which includes its agent), the
                                    opening should make that clear. The opening
                                    is not acceptable even if it makes clear
                                    that the program is from the third party but
                                    suggests or leaves room for the inference
                                    that the CALL is from Citibank. The two
                                    unacceptable examples below at best are
                                    ambiguous about who is making the call and
                                    at worst could imply that the call is from
                                    Citibank. The two acceptable examples below
                                    are in order of preference and are
                                    acceptable provided the accompanying
                                    language doesn't confuse as to the source of
                                    the call (e.g., repeated mentions of Citi,
                                    as in "Citi has selected you ...").

                                    Examples of ACCEPTABLE openings:

                                    Hello, Mr./Ms. <Cardmember Name>, this is
                                    <TSR Name> calling from <Vendor Company
                                    Name> to tell Citibank cardmembers about
                                    <Program Name>, a money-saving shopping
                                    program.

                                    Hello, Mr./Ms. <Cardmember Name>, my name is
                                    <TSR Name> and I'm calling Citibank
                                    cardmembers on behalf of <Vendor Company
                                    Name> to tell you about <Program Name>, a
                                    money-saving shopping program.

                                    Examples of UNACCEPTABLE openings:

                                    Hello, Mr./Ms. <Cardmember Name>, my name is
                                    <TSR Name> and I'm calling Citibank
                                    cardmembers on behalf of <Program Name>, a
                                    program offered by <Vendor Company Name.>

                                    Hello, Mr/Ms. <Cardmember Name>, this is
                                    <TSR Name> calling Citibank cardmembers
                                    about <Program Name> from <Vendor Company
                                    Name>.

                           (b)      For club offers, the telemarketers must also
                                    state that the vendor is not affiliated with
                                    Citibank.

                                    See the following examples:

                                    Preferred wording: "<Vendor> is not
                                    affiliated with Citibank, the issuer of your
                                    <card name> credit card."

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       24

<PAGE>

                                    1st Alternate: "Although Citibank has
                                    selected you to receive this offer for
                                    <product name> from <Vendor>, Citibank is
                                    not affiliated with <Vendor>"

                                    2nd Alternate: "Although Citibank has
                                    selected you to receive this offer for
                                    <product name> a < Vendor> program, Citibank
                                    and <Vendor> are not affiliated."

         B.       DESCRIPTION OF PROGRAM/OFFER

                  1.       The script should fairly describe the nature of the
                           program benefits, important conditions and
                           limitations, and the price.

                  2.       Representations in telemarketing scripts should be
                           checked against Fulfillment Kit descriptions and
                           Terms and Conditions to verify accuracy and to ensure
                           that the scripts and the claims and statements in
                           them, are true, accurate and not misleading. VENDOR
                           MUST HAVE AVAILABLE FOR IMMEDIATE PRESENTATION, UPON
                           CITI'S REQUEST, SATISFACTORY EVIDENCE THAT SUPPORTS
                           EACH CLAIM/STATEMENT.

         C.       TRIAL AND AUTOMATIC BILLING

                  The script should clearly communicate that the trial period
                  will begin upon enrollment, the length of the trial period and
                  that, unless the customer cancels during the trial, the trial
                  period automatically will become a membership and the
                  customer's credit card will be charged.

         D.       AUTOMATIC RENEWAL

                  If the program is billed for a term of six months or more with
                  an automatic renewal, the script must clearly and
                  conspicuously disclose that the Vendor will automatically
                  charge the fee to the Cardmember's account at the beginning of
                  each new membership term.

         E.       AUTHORIZATION/CONFIRMATION

                  1.       The Vendor shall not process an enrollment and no
                           Cardmember's account shall be charged without the
                           Cardmember's express authorization of the purchase.
                           Each script must include a confirmation of the sale,
                           using the approved Citibank standard confirmation
                           language, which is included in the Sample Scripts
                           provided as Appendices.

                  2.       Every confirmation must request permission to bill
                           the Cardmember's account and obtain affirmative
                           consent for the purchase and billing and include
                           clear, specific disclosure on each of the following
                           points, except where not applicable:

                           (a)      program being purchased

                           (b)      price and membership term

                           (c)      when program materials will arrive

                           (d)      beginning and duration of trial period;
                                    right to cancel during trial without
                                    billing, including method and toll-free
                                    number; and that unless the Cardmember
                                    cancels within the trial period, the account
                                    will automatically be charged

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       25

<PAGE>

                           (e)      payment terms, including that the account
                                    will be charged, without any further action
                                    required by the Cardmember, and that the
                                    Vendor will notify Citi so that Citi can
                                    bill the membership fee to the Cardmember's
                                    credit card account

                           (f)      cancellation right

                           (g)      except for insurance premiums.

                                    -        for annual-bill programs--refund of
                                             initial year's annual fee if
                                             program cancelled during first six
                                             months following trial period

                                    -        for programs billed monthly (or any
                                             other period less than 6 months)-
                                             refund of most recent payment.

                           (h)      automatic renewal at then current fee, with
                                    prior notice

                           (i)      specifically required disclosures

                           (j)      city of birth, name of elementary school, or
                                    other similar item of personal information,
                                    (except mother's maiden name) should be
                                    obtained as additional verification of the
                                    sale.

                           (k)      For any telemarketed sale of insurance, the
                                    following disclosures must be given and a
                                    request for an oral acknowledgement of
                                    receipt must be obtained.

                  ~ THIS INSURANCE PRODUCT IS NOT A DEPOSIT OR OTHER OBLIGATION
                  OF, OR GUARANTEED BY, [ISSUER] OR AN AFFILIATE [IF APPLICABLE]
                  OF [ISSUER].

                  ~ THIS INSURANCE PRODUCT IS NOT INSURED BY THE FDIC OR ANY
                  AGENCY OF THE UNITED STATES, BY [ISSUER], OR BY AN AFFILIATE
                  [IF APPLICABLE] OF [ISSUER].

                  For placement, see insurance script in Appendix.

                           3.       Confirmations of membership club enrollments
                                    (sales) should be tape-recorded unless the
                                    customer refuses, in which case, the
                                    confirmation should be verified in writing
                                    by a supervisor. Confirmations of insurance
                                    program enrollments must be tape recorded.
                                    Taped and written confirmations must be
                                    retained by the Vendor for a minimum of two
                                    years, during which period the Vendor must
                                    have easy accessibility to such
                                    confirmations and must provide to Citi
                                    within 2 business days a clear copy of any
                                    confirmation requested by Citi. THE VENDOR
                                    MUST NOTIFY CITI IMMEDIATELY OF ANY REQUESTS
                                    FOR TAPES AND OBTAIN CITI'S PRIOR CONSENT
                                    FOR ANY SUCH RELEASE. THE VENDOR MUST NOT
                                    PROVIDE TAPES TO CARDMEMBERS. In the event
                                    of a cardmember's request for a tape, the
                                    Vendor should immediately contact the
                                    Program Manager.

         F.       TELEMARKETING LAWS

                           Scripts also must comply with applicable federal and
                           state telemarketing laws, including time restrictions
                           and required disclosures such as identity of seller
                           and nature of offer. The Vendor is required to be
                           knowledgeable about and to ensure compliance with all
                           applicable federal and

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       26

<PAGE>

                           state laws, including do-not-call and other
                           telemarketing laws. The following describes laws that
                           (1) prohibit calling certain residents: (2) require
                           consent for monitoring from parties to the call; or
                           (3) require immediate termination of the call under
                           certain circumstances (there are exemptions but most
                           do not apply to most Vendors: calls made by Citi to
                           its current customer may enjoy exemptions), as well
                           as (4) some specific requirements for insurance
                           programs. Compliance with these laws is mandatory but
                           may not constitute full compliance with all
                           applicable telemarketing laws. Every script must show
                           how these laws are followed and list the states to
                           which scripting accommodations apply. If any state on
                           such lists is not addressed on the script, the Vendor
                           must indicate the reason on the script (e.g., no
                           calls to South Carolina).

                           1.       DO NOT CALL - Numerous states have
                                    Do-Not-Call laws under which residents may
                                    register for exclusion from telemarketing.
                                    Most of these laws exempt calls to current
                                    customers (Indiana is a notable exception).
                                    A few states prohibit telemarketing calls to
                                    residents unless they have affirmatively
                                    agreed to receive such calls.

                           2.       MONITORING - Many states require that all
                                    parties to the call consent to any
                                    monitoring - which includes listening and
                                    recording - of the call. Except for a
                                    handful of states, most have a business
                                    exemption.

                           3.       "MAY I CONTINUE?"/NO REBUTTAL

                                    There are several states with "May I
                                    Continue?" requirements, meaning that in
                                    these states the telemarketer must ask
                                    permission to continue immediately after
                                    stating the Vendor's name and the purpose of
                                    the call.

                                    There are numerous No-Rebuttal states, in
                                    which further marketing efforts ("second
                                    attempts") are prohibited once the consumer
                                    indicates lack of interest.

                           (NOTE: THE STATE-LAW INFORMATION IN THIS SECTION IS
                           FOR GENERAL GUIDANCE ONLY AND MAY NOT REMAIN CURRENT;
                           THE PROVIDER SHOULD NOT RELY ON THIS STATE-LAW
                           SYNOPSIS AS AN ACCURATE, COMPREHENSIVE LIST OF
                           TELEMARKETING-RELATED LEGAL REQUIREMENTS. THE
                           PROVIDER IS OBLIGATED TO COMPLY WITH ALL APPLICABLE
                           LAWS, WHETHER OR NOT MENTIONED HERE.)

                           4.       INSURANCE PROGRAMS

                                    For insurance programs, additional
                                    requirements apply, including that:

                                    -        The enrollment must be taken by a
                                             registered agent

                                    -        The underwriter must be identified

                                    -        Material exclusions and limitations
                                             must be specifically disclosed, as
                                             required by state laws.

                                    -        Under federal regulations, in any
                                             telemarketed solicitation, the
                                             following must occur:

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       27

<PAGE>

                                                  (1)  Oral disclosures must be
                                                       given before the sale is
                                                       completed and an oral
                                                       acknowledgment must be
                                                       received from the
                                                       consumer (see Section
                                                       IV.D. and script in
                                                       Appendix IV.B for
                                                       placement):

                                                  (2)  This oral acknowledgement
                                                       must be tape recorded:

                                                  (3)  The Bank is obligated to
                                                       ensure that within 3
                                                       business days of the sale
                                                       (excluding Sundays and
                                                       legal holidays), the
                                                       insurer sends out a
                                                       request to the cardmember
                                                       to acknowledge receipt of
                                                       these disclosures;

                                                  (4)  The bank is obligated to
                                                       make sure that the
                                                       insurer uses reasonable
                                                       efforts to obtain written
                                                       acknowledgment, such as
                                                       (1) send a self-addressed
                                                       stamped envelope; (2)
                                                       make a follow-up
                                                       telephone call; or (3)
                                                       send a second mailing. In
                                                       addition, the insurer
                                                       must maintain a record of
                                                       its attempts to obtain
                                                       this written
                                                       acknowledgment.

                                                  (5)  The Disclosures for the
                                                       Sale of Insurance must be
                                                       included in any Send
                                                       Literature piece.

         G.       APPROVED SCRIPT AUTHORIZATION/CONFIRMATION AND Q&A

                  Approved telemarketing script confirmation language and
                  questions and answers for membership clubs are set out in
                  Appendix IV.

                  Specific telemarketing script confirmation language is
                  required for insurance programs, with sample scripting and
                  questions and answers set out in the Appendix IV.

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       28

<PAGE>

                                 APPENDIX IV.A

           TELEMARKETING SCRIPT CONFIRMATIONS FOR MEMBERSHIP PROGRAMS

A.       CONFIRMATION: MEMBERSHIP CLUB

         (TURN ON RECORDER) Fine, I will be tape recording your enrollment so
         there's no chance of a mistake.

         If Cardholder Refuses To Be Recorded: Mr./Ms._______we ask to tape
         record to verify that I have permission to process your membership and
         start your member privileges right away, okay?

                  IF YES: CONTINUE

                  IF NO: (depending on Vendor use (a) or (b)):

         (a)      Mr./Ms.___________, the taped confirmation simply ensures your
                  protection. Unfortunately I won't be able to process your
                  membership (today/tonight) without your permission. May I
                  continue?

                  IF YES: CONTINUE
                  IF STILL REFUSES: That's fine. If you'd still like to try the
                  service please call toll-free 1-800-422-1468 for assistance.
                  Thank you for your time. Have a pleasant (day/evening);

                                      -OR-

         (b)      I understand. I'll call my supervisor to the phone to verify
                  the information instead. Please hold for a moment while I get
                  (him/her).

         Verify Name And Address: I show your first name as__________, and your
         last name as________ , and your address is (Street Name, City, State,
         Zip). Is that correct?

         (If Name Or Address Is Not Correct, Make Corrections And Continue)

                  IF AUTHORIZED USER: And you are an authorized user of Mr./Ms.
                  (Cardholder)'s [ISSUER] account? And your first and last name
                  please?

         (In certain states, as required: Are you over 18? If YES, continue. If
         NO, terminate with courtesy close.)

         I just want to make sure you understand the enrollment and billing
         process. If you enroll, in about [X] weeks you'll receive your
         membership materials for [NAME OF PROGRAM]. [OR, your membership
         materials for [NAME OF PROGRAM] will arrive shortly.] Look it over, try
         it out. Take advantage of the savings [and mail in your Gift
         Certificate for your [PREMIUM]].

         You will have 30 days to review and use the program. If you decide not
         to continue your membership beyond the first 30 days, simply let [NAME
         OF VENDOR] know before your trial period ends and you will not be
         billed.

         1.       FOR MEMBERSHIP CLUB WITH ANNUAL RENEWAL:

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       29
<PAGE>

                  Otherwise, [NAME OF VENDOR] will notify [ISSUER of your CARD
                  NAME credit card]. IF THE CARD IS BRANDED CITI, PLEASE SAY
                  "WILL NOTIFY CITIBANK" and [they] will bill the
                  $_____________________ annual membership fee to your [CARD
                  NAME] credit card. And, to ensure uninterrupted service for as
                  long as you wish to remain a member, your membership will
                  automatically be renewed each year. [NAME OF VENDOR] will
                  notify [ISSUER] to bill your account at the then-current
                  annual fee. [NAME OF VENDOR] will send you a notice prior to
                  renewal billing. Please remember, you can cancel during the
                  first six months after the trial for a full refund of your
                  initial year's membership fee.

                                       OR

         2.       FOR MEMBERSHIP CLUB WITH MONTHLY BILLING:

                  Otherwise, [VENDOR NAME] will notify [ISSUER of your CARD NAME
                  credit card]. IF THE CARD IS branded CITI, PLEASE SAY "WILL
                  NOTIFY CITIBANK" and [they] will bill the $__________________
                  membership fee to your [NAME] credit card account every month.
                  You can cancel at any time for a full refund of your current
                  month's paid membership fee.

         FOR ALL:

         May I have your approval to enroll you and have your credit card
         charged the $__________________fee for [NAME OF PROGRAM]?

         [Telemarketer must obtain audible affirmative response from consumer to
         process the sale.]

         Finally, may I please have your city of birth [or name of elementary
         school] to show that you enrolled in [PROGRAM NAME] and understand how
         you will be billed? [ENTER INFORMATION]

         Do you have any questions that I can answer for you at this time?

         If you have any questions regarding your membership, please call
         [VENDOR'S] toll-free number: 1-800-_______________.

         Thank you very much for your time, Mr.(s)___________________.

B.       STANDARD QUESTION AND ANSWER RESPONSES FOR CLUBS

         CAN YOU SEND ME LITERATURE IN THE MAIL?

                  Mr.(s)_______________, of course you can receive literature on
         the [NAME OF PROGRAM]. However, you might prefer a membership with a
         XX-day trial which would allow you to try all of the money-saving
         benefits the [PROGRAM] has to offer. If you feel the service is not for
         you, simply call before the end of your 30-day trial and you won't be
         billed.

         IF CUSTOMER STILL WANTS LITERATURE:

                  Response: Mr.(s)_______________. If I can confirm your mailing
         address, I will make sure a description of the program is sent out to
         you within the next 10 days.

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       30

<PAGE>

                  (Verify Name and Address. Disposition Correctly To Send
         Literature)

         DO YOU HAVE MY ACCOUNT NUMBER?

                  No, Mr./Ms._____, we do not have your [CARD NAME] credit card
         account number. Once you have agreed to enroll in the program [NAME OF
         VENDOR] will notify [ISSUER] so that [ISSUER] can bill the program fee
         to your [NAME] card account at the end of the trial period.

         WHO ARE YOU/WHOM DO YOU WORK FOR?

                  My name is__________, and I work for (TM Vendor Name) in
         (City/State). We have been contracted by [NAME OF PROGRAM VENDOR], the
         providers of the [NAME OF PROGRAM], to place calls on their behalf.

         HOW DID YOU GET MY TELEPHONE NUMBER?

                  Mr./Ms._______, from time to time, your [Card Name] credit
         card makes available special services to its credit card customers.
         We've been asked to contact you regarding one of those valuable
         services designed for your convenience and enjoyment. May I tell you a
         little bit about the service?

                  IF YES: (RETURN TO POINT OF INTERRUPTION)

                  IF NO: Thank you for your time. If you have any questions
         about this call, please contact 1-800- ______________. Have a pleasant
         afternoon/evening. Goodbye.

         WILL MY CREDIT CARD BE AUTOMATICALLY BILLED FOR RENEWALS?

                  Yes Mr./Ms.____________, to ensure uninterrupted service,
         [NAME OF VENDOR] will notify the issuer of your [card name] (If the
         card is branded Citi, please say, "Will notify Citibank") to bill the
         membership fee to your credit card account for another [XX months] of
         membership. Members will be sent a renewal notice at least 30 days
         before their account is billed at the then current annual fee. But
         remember, if you feel you are not benefiting from your membership, just
         call the [NAME OF VENDOR] toll-free number to cancel as soon as you
         receive your renewal notice and you will not be billed for a renewal
         membership.

         PLEASE REMOVE MY NAME FROM YOUR LIST (TCPA "DO NOT CALL" RESPONSE):

                  (CARDHOLDER NAME), I will be happy to have your name removed
         from the calling list. And would you like us to forward this
         information to the issuer of your credit card? It will take
         approximately thirty days for your name to be removed from marketing
         lists, so you may receive additional calls in the meantime. We
         apologize for any inconvenience. Have a good day/evening.

         I CANCELLED MY CREDIT CARD:

         Mr./Ms.______________, I'm sorry for the inconvenience.

         CAN I REACH CUSTOMER SERVICE? (OR ANY QUESTION ABOUT CITIBANK)

         Mr./Ms._______, [CARD NAME] Customer Service is available 24 hours a
         day, seven days a week. Just call [CUSTOMER SERVICE NUMBER].

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       31

<PAGE>

                                  APPENDIX IV.B

            TELEMARKETING SCRIPT CONFIRMATION FOR INSURANCE PROGRAMS

A.       PRE-ENROLLMENT INSURANCE DISCLOSURES

         Disclosure of benefits, eligibility criteria, and material limitations,
         exclusions and restrictions must be made PRIOR to enrollment.

B.       CONFIRMATION LANGUAGE FOR INSURANCE PROGRAMS

                [All insurance sale confirmations MUST be taped.
             Turn on Tape Recorder before Verifier Starts to Speak.]

         Hello, Mr./Ms.___ My name is___, and I'm the licensed agent on duty.
         I will be tape recording our conversation to avoid any errors in
         processing your enrollment.

         IF CUSTOMER OBJECTS: I'm sorry, but I am unable to enroll you in [NAME
         OF PROGRAM] without creating a taped record. May I continue?

         IF NO: Thank you for your interest.

         IF NO OBJECTION: CONTINUE

         I am required to disclose the following information to you
Mr./Mrs.____________: this insurance product is not a deposit or other
obligation of, or guaranteed by [ISSUER] or any of its affiliates and this
insurance is not insured by the FDIC or any agency of the United States,
Citibank or an affiliate of Citibank.

         Will you please acknowledge that I have provided these disclosures to
you? (MUST HAVE AN AFFIRMATIVE RESPONSE)

         I just want to make sure you understand the enrollment and billing
         process. If you enroll, in about [X] weeks, you'll receive your
         insurance [certificate/policy] Look over the coverage and see if this
         is for you.

         There is no cost to you for the first [xx] Days/Months, and you can
         take that time to review the coverage. If you decide not to continue
         your coverage beyond the [xx] days/months, simply call [NAME OF VENDOR]
         to cancel and you will not be billed.

         Otherwise, [VENDOR NAME] will notify [ISSUER] and [ISSUER] will bill
         the $__________________________premium to your [NAME] credit card
         account every month.

         May I have your approval to enroll you and have your credit card
         charged the premium for [NAME OF PROGRAM]?

         [Telemarketer must obtain affirmative response from consumer to process
         the sale.]

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       32

<PAGE>

         Finally, may I please have your city of birth or name of elementary
         school to show that you enrolled in [PROGRAM NAME] and understand how
         you will be billed? [ENTER INFORMATION]

         Now, your certificate of insurance from [NAME OF VENDOR] will arrive in
         about 10 days, and your coverage will be effective on the date shown.

         Mr./Ms.______, is there anything about the program that you do not
         understand or do you have any questions? (PAUSE)

         Please look for the insurance envelope and be sure to read over the
         certificate so you will be aware of all of the coverage information.

         Mr./Ms.______, thanks again for enrolling. If you have any questions
         about this call, the toll-free number is 1-800-______________. Thank
         you and have a good day/evening.

C.       Q&A RESPONSES FOR INSURANCE PROGRAMS (Note: Not all questions apply to
         all insurance programs, and some information will change from program
         to program.)

         1.       NEEDS TO TALK TO FAMILY/THINK IT OVER:

                  Mr./Ms. (CUSTOMER NAME), that's why Citibank (or - issuer of
                  your CARD NAME credit card) is paying your premiums for your
                  first____months of coverage. This is a great opportunity
                  for you (and your husband or wife) to review the policy
                  (together), while you are being covered by the plan. If during
                  the___month no-cost trial period, you decide it is not
                  exactly what you want, simply call the toll-free number and
                  tell [NAME OF VENDOR] you want to cancel. You'll owe nothing.

         2.       HAS OTHER INSURANCE:

                  This is [type of coverage] which pays benefits in addition to
                  other insurance you may have. There may be special situations
                  which require additional insurance protection. That's why
                  Citibank (or - issuer of your CARD NAME credit card) has
                  arranged for [VENDOR] to provide you with this opportunity to
                  review this plan without cost to you for the next 90 days.

         3.       DOESN'T UNDERSTAND / NEEDS CLARIFICATION:

                  Well, Mr./Ms. (CUSTOMER NAME), as a Citi-(or - CARD NAME)
                  cardmember, [you pay a reduced premium of $_________during the
                  first____months] [you pay no premium for the first______
                  months. During that time, you are protected. Then, if you (and
                  your spouse) decide that the benefits and coverage aren't
                  exactly what you want, you may simply cancel. And you'll owe
                  nothing if you cancel during the_______month trial period.

         4.       CAN I / HOW DO I CANCEL?

                  Well, Mr./Ms. (CUSTOMER NAME), simply let [NAME OF VENDOR]
                  know by phone or mail that you want to cancel. Their address
                  will be with the policy certificate when you receive it in
                  about ten days or you may simply call [TOLL-FREE NUMBER].

         5.       WHO ARE YOU/WHERE ARE YOU CALLING FROM/WHO DO YOU WORK FOR?

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       33

<PAGE>

                  My name is (FIRST AND LAST) I work for (NAME OF YOUR COMPANY)
                  in (CITY OR STATE). Our company specializes in marketing
                  communications, and we are calling on behalf of [VENDOR] to
                  make you aware of this special insurance offer. May I tell you
                  about it?

         6.       I JUST WANT THE TRIAL PERIOD.

                  I'm sorry Mr./Ms. (CUSTOMER NAME), but the program does not
                  work that way. If you enroll in the insurance plan today/
                  tonight, your coverage will begin shortly [and the
                  first____ months premium will be paid by Citibank (or -
                  issuer of CARD NAME credit card).] If you do not want to
                  continue, simply contact [NAME OF VENDOR] directly to let them
                  know when you want your coverage canceled. Would you like to
                  enroll?

         7.       CUSTOMER ALREADY HAS [TYPE OF PROGRAM] PLAN

                  Well Mr./Ms. (CUSTOMER NAME), this offer is in addition to
                  your current plan and does not affect your coverage through
                  other companies. It is provided by [VENDOR]. There may be
                  special situations which require additional insurance
                  protection. That's why Citibank (or- issuer of CARD NAME
                  credit card) has arranged for [VENDOR] to provide you with
                  this opportunity to review this plan without risk or cost to
                  you for the next 90 days.

         8.       WHEN IS MY COVERAGE EFFECTIVE?

                  Your coverage win become effective on the date shown on your
                  certificate of insurance, which you will receive in about 10
                  days.

         9.       CAN I DESIGNATE (A/MORE THAN ONE) BENEFICIARY?

                  Yes, Mr./Ms. (CUSTOMER NAME), after you receive your
                  certificate of insurance, call [VENDOR] and they will send you
                  the proper paperwork to designate or change the beneficiaries.
                  Their toll-free service number will be with the policy
                  certificate when you receive it in about ten days.

         10.      MENTION OF RECENTLY DECEASED:

                  Mr./Ms. (CUSTOMER NAME). I'm so sorry to have disturbed you,
                  and for the error on our part. Thank you for your time.
                  Good-bye.

         11.      HOW CAN I HAVE MY NAME REMOVED FROM YOUR CALLING LIST?

                  Mr./Ms.___________, I will be happy to have your name removed
                  from the calling list. And would you like me to forward this
                  information to Citibank (or - the issuer of your CARD NAME
                  credit card.)? It will take approximately thirty days for your
                  name to be removed from the marketing lists, so you may
                  receive additional calls in the meantime. We apologize for any
                  inconvenience. Have a good day/evening.

         12.      CUSTOMER SERVICE / BILLING QUESTION / PROBLEM:

                  I'm sorry to hear that, Mr./Ms. (CUSTOMER NAME). For future
                  reference [VENDOR]'s

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       34

<PAGE>

                  number is [TOLL-FREE NUMBER] or you can reach (CARD NAME)
                  customer service at (CUSTOMER SERVICE NUMBER).

         13.      DOES NOT HAVE A (CARD NAME) CREDIT CARD:

                  This plan is available only to (CARD NAME) cardmembers. I'm
                  sorry if I have caused you any inconvenience. Thank you. Good
                  day/night.

         14.      CAN YOU ISSUE THIS WITHOUT MY DATE OF BIRTH?

                  No, Mr./Ms. (CUSTOMER NAME), since this is an insurance
                  policy, your date of birth is needed. Please rest assured that
                  we never share this confidential and personal information with
                  outside parties. But since we do need to issue your
                  certificate, may I please have your date of birth?

         15.      Who is [VENDOR]? (When Did [VENDOR] Life Insurance get into
                  business?)

                  [VENDOR] is [a wholly owned subsidiary of] the [VENDOR]
                  company and has been marketing insurance since_______.
                  [UNDERWRITER] has earned a__________________ rating for
                  financial performance from the A.M. Best Company... A leading
                  insurance company analyst.

         16.      HOW DOES THIS PLAN WORK?/CLARIFY TRIAL PERIOD

                  Well, Mr./Ms. (CUSTOMER NAME), during this special offer, the
                  premiums will be paid by Citibank for a full____months. After
                  this introduction period ends, the premium of $x.xx per
                  [month] [quarter] [year] will be billed automatically to your
                  Citi (or - CARD NAME) credit card account. This is an
                  excellent way to review the many benefits of the plan, while
                  enjoying full coverage. And of course, if you decide to cancel
                  before the_____month trial period ends, there will be no
                  additional charges. At this time, I would be glad to arrange
                  for your enrollment.

         17.      CAN I BE BILLED DIRECTLY?

                  Yes, Mr./Ms. (CUSTOMER NAME), after your first [monthly]
                  [quarterly] [annual] premium is billed to your Citibank credit
                  card account, which will be in about_____months, you can call
                  the toll-free number to switch to direct billing. That number
                  is [TOLL-FREE NUMBER].

         18.      DO THE RATES (PREMIUMS) GO UP?

                           A. If premiums will not increase:

                      No, Mr./Ms. (CUSTOMER NAME). [VENDOR] guarantees that your
                      premium rate can never be increased.

                           B. If premiums will increase in the event that
                           premiums for the group increase:

                      The only time rates could increase is if the rate for the
                      entire group, of which you are a member, increases.

         19.      IS INTEREST CHARGED ON THE PREMIUMS?

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       35

<PAGE>

                  The premium is billed to your credit card account similarly to
                  other purchases. If you pay your account balance in full each
                  month you will not incur a finance charge.

         20.      WHAT ARE THE BENEFITS/WHAT'S COVERED?

                  (REFER TO BENEFIT CHART)

         21.      TECHNICAL QUESTION THAT YOU CAN'T ANSWER.

                  (ASK SUPERVISOR FOR HELP)

         22.      WHAT IS THE [VENDOR] LIFE INSURANCE/CITIBANK RELATIONSHIP?

                  Citibank chose the professionals at [VENDOR] to underwrite
                  this insurance because they represent quality business and
                  quality service. [UNDERWRITER] has earned the ________ rating
                  for financial performance from the A.M. Best Company-a leading
                  insurance analyst. (IF STILL A QUESTION, GO TO 'WHO IS
                  [VENDOR]" Q AND A.)

         23.      WHAT OTHER INSURANCE DO I ALREADY HAVE?

                  Mr./Mrs._________. I don't have access to information
                  regarding your current insurance coverage with [VENDOR]. If
                  you'd like I can provide you with a toll free number that you
                  can call at your convenience.

                  If Yes: OK. That number is 1-800-___________________

                  If No: Return to Script

         24.      SEND ME LITERATURE.

                           A.       Mr.(s) _________, of course we can send you
                                    literature on the [PROGRAM NAME] coverage.
                                    However, you might prefer a XX-day TRIAL
                                    PERIOD which would allow you the opportunity
                                    to look over the benefits of this coverage.
                                    If you feel the [PROGRAM NAME] insurance is
                                    not for you, simply call [VENDOR] Insurance
                                    before the end of your XX-day TRIAL PERIOD
                                    and you won't be billed.

                           B.       If customer still wants literature:

                                    Mr.(s)______________. If I can confirm your
                                    mailing address, I will make sure
                                    information describing the [PROGRAM NAME]
                                    coverage is sent out to you within the next
                                    14 days. (customer service rep confirms
                                    address).

         25.      DO YOU HAVE MY ACCOUNT NUMBER?

                  No, Mr./Ms.__________, we do not have your (CARD NAME) credit
                  card number. Once you have agreed to enroll in the program
                  [VENDOR NAME] will notify the issuer of you credit card so
                  they can bill the $ XX premium to your (CARD NAME) credit card
                  account at the end of the

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       36

<PAGE>

                  [XX] day trial period.

         26.      HOW DID YOU GET MY TELEPHONE NUMBER?

                  Mr./Ms._______, from time to time, Citibank (or - the issuer
                  of your CARD NAME credit card) makes available special
                  services to its credit card customers. We've been asked to
                  contact you regarding the benefits of this insurance coverage.

         27.      I DON'T UNDERSTAND THESE DISCLOSURES YOU GAVE ME?

                  Under federal law, we are required to disclose these items to
                  you and receive your acknowledgment that you were given these
                  disclosures.

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       37

<PAGE>

V.       REQUIREMENTS FOR DISCLOSURES FOR OIL CARD PORTFOLIOS

                                A. BP DISCLOSURES

MERCHANDISE DISCLOSURE:

[VENDOR Company], city, state, and its providers as applicable, assume all
responsibility and liability for this offer. Citibank (South Dakota), N. A., the
issuer of your BP or Amoco Credit Card, is a member of Citigroup. By responding
to this offer, you will be disclosing all of the information requested above,
including your BP or Amoco account number, to a company outside the Citigroup
family of companies. BP Products North America Inc. is not affiliated with
[VENDOR Company].

CLUBS DISCLOSURE (NON-AFFILIATE VENDOR):

[VENDOR Company], City, State, and its providers as applicable, assume all
responsibility and liability for this offer. Citibank (South Dakota), N. A., the
issuer of your BP or Amoco credit card, is not affiliated with [VENDOR Company].
BP Products North America Inc. is not affiliated with [VENDOR Company].

Clubs Disclosure (affiliate Vendor):

[United States Auto Club, Motoring Division Inc., Irving, Texas] and its
providers as applicable, assume all responsibility and liability for this offer.
BP Products North America Inc. is not affiliated with [United States Auto Club,
Motoring Division, Inc.]

INSURANCE DISCLOSURE:

Underwriter, no separate Provider:

[Insurance Program Name] is underwritten by [Underwriter name, City, State],
which assumes all responsibility and liability for the program and the insurance
benefits provided thereunder. BP Products North America Inc. is not affiliated
with [UNDERWRITER].

Provider and Underwriter

[Insurance Program Name] is provided by [Provider Name], which assumes all
responsibility and liability for the program. [Insurance Program Name] is
underwritten by [Underwriter Name, City, State], which assumes all
responsibility and liability for the insurance benefits. BP Products North
America Inc. is not affiliated with [PROVIDER].

Administrator separate and apart from the Underwriter, then add:

The [Insurance Program Name] is administered by [Program Administrator Name]

PRINT DISCLOSURE FOR AFFILIATE FINANCIAL PRODUCTS (HOME EQUITY OR PERSONAL LOAN)

BP and Amoco Credit Cards are issued by Citibank (South Dakota), N.A., an
affiliate of [CitiFinancial Mortgage Company, Inc.]. BP Products North America
Inc. is not affiliated with [CitiFinancial Mortgage Company, Inc.].

TELEMARKETING SCRIPT OPENING PARAGRAPH (NON-AFFILIATE VENDOR):

Great, my name is_____ and I'm calling on behalf of [VENDOR Company] to offer BP
and Amoco cardmembers like yourself a 30-day free trial membership when you
enroll in [PROGRAM]. [VENDOR Company] is not affiliated with Citibank, the bank
that issues this credit card.

TELEMARKETING SCRIPT OPENING PARAGRAPH (AFFILIATE VENDOR)

Great, my name is ___ and I'm calling on behalf of [United States Auto Club,
Motoring Division Inc.] to offer BP and Amoco cardmembers like yourself a 30-day
free trial membership when you enroll in [Drive America/Texaco RoadStar]. BP and
Amoco Credit Cards are issued by Citibank.

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       38

<PAGE>

                              B. CITGO DISCLOSURES

MERCHANDISE DISCLOSURE:

[VENDOR Company], city, state, and its providers as applicable, assume all
responsibility and liability for this offer. Citibank (South Dakota), N. A., the
issuer of your CITGO Credit Card, is a member of Citigroup. By responding to
this offer, you will be disclosing all of the information requested above,
including your CITGO account number, to a company outside the Citigroup family
of companies. CITGO Petroleum Corporation is not affiliated with [VENDOR
Company].

CLUBS DISCLOSURE (NON-AFFILIATE VENDOR):

[VENDOR Company], City, State, and its providers as applicable, assume all
responsibility and liability for this offer. Citibank (South Dakota), N. A., the
issuer of your CITGO Credit Card, is not affiliated with [VENDOR Company]. CITGO
Petroleum Corporation is not affiliated with [VENDOR Company].

CLUBS DISCLOSURE (AFFILIATE VENDOR):

[United States Auto Club, Motoring Division Inc., Irving, Texas] and its
providers as applicable, assume all responsibility and liability for this offer.
CITGO Petroleum Corporation is not affiliated with [United States Auto Club,
Motoring Division Inc.]

INSURANCE DISCLOSURE:

Underwriter, no separate Provider:

[Insurance Program Name] is underwritten by [Underwriter name, City, State],
which assumes all responsibility and liability for the program and the insurance
benefits provided thereunder. CITGO Petroleum Corporation is not affiliated with
[UNDERWRITER].

Provider and Underwriter

[Insurance Program Name] is provided by [Provider Name], which assumes all
responsibility and liability for the program. [Insurance Program Name] is
underwritten by [Underwriter Name, City, State], which assumes all
responsibility and liability for the insurance benefits. CITGO Petroleum
Corporation is not affiliated with [PROVIDER].

Administrator separate and apart from the Underwriter, then add:

The [Insurance Program Name] is administered by [Program Administrator Name]

PRINT DISCLOSURE FOR AFFILIATE FINANCIAL PRODUCTS (HOME EQUITY OR PERSONAL LOAN)

CITGO credit cards are issued by Citibank (South Dakota), N.A., an affiliate of
[CitiFinancial Mortgage Company, Inc.]. CITGO Petroleum Corporation is not
affiliated with [CitiFinancial Mortgage Company, Inc.].

TELEMARKETING SCRIPT OPENING PARAGRAPH (NON-AFFILIATE VENDOR):

Great, my name is__________and I'm calling on behalf of [VENDOR Company] to
offer CITGO cardmembers like yourself a 30-day free trial membership when you
enroll in [PROGRAM]. [VENDOR Company] is not affiliated with Citibank, the bank
that issues this credit card.

TELEMARKETING SCRIPT OPENING PARAGRAPH (AFFILIATE VENDOR)

Great, my name is _______ and I'm calling on behalf of [United States Auto Club,
Motoring Division Inc.] to offer CITGO cardmembers like yourself a 30-day free
trial membership when you enroll in [Drive America/Texaco RoadStar]. CITGO
Credit Cards are issued by Citibank.

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       39

<PAGE>

                              C. SHELL DISCLOSURES

MERCHANDISE DISCLOSURE:

[VENDOR Company], city, state, and its providers as applicable, assume all
responsibility and liability for this offer. Citibank (South Dakota), N. A., the
issuer of your Shell Credit Card, is a member of Citigroup. By responding to
this offer, you will be disclosing all of the information requested above,
including your Shell account number, to a company outside the Citigroup family
of companies. Shell Oil Company and its related companies are not affiliated
with [VENDOR Company].

CLUBS DISCLOSURE (NON-AFFILIATE VENDOR):

[VENDOR Company], City, State, and its providers as applicable, assume all
responsibility and liability for this offer. Citibank (South Dakota), N. A., the
issuer of your Shell Credit Card, is not affiliated with [VENDOR Company]. Shell
Oil Company and its related companies are not affiliated with [VENDOR Company].

CLUBS DISCLOSURE (AFFILIATE VENDOR):

[United States Auto Club, Motoring Division Inc., Irving, Texas] and its
providers as applicable, assume all responsibility and liability for this offer.
Shell Oil Company and its related companies are not affiliated with [United
States Auto Club, Motoring Division, Inc.]

INSURANCE DISCLOSURE:

Underwriter, no separate Provider:

[Insurance Program Name] is underwritten by [Underwriter name, City, State],
which assumes all responsibility and liability for the program and the insurance
benefits provided thereunder. Shell Oil Company and its related companies are
not affiliated with [UNDERWRITER].

Provider and Underwriter

[Insurance Program Name] is provided by [Provider Name], which assumes all
responsibility and liability for the program. [Insurance Program Name] is
underwritten by [Underwriter Name, City, State], which assumes all
responsibility and liability for the insurance benefits. Shell Oil Company and
its related companies are not affiliated with [PROVIDER].

Administrator separate and apart from the Underwriter, then add:

The [Insurance Program Name] is administered by [Program Administrator Name]

PRINT DISCLOSURE FOR AFFILIATE FINANCIAL PRODUCTS (HOME EQUITY OR PERSONAL LOAN)

Shell credit cards are issued by Citibank (South Dakota), N.A., an affiliate of
[CitiFinancial Mortgage Company, Inc.]. Shell Oil Company and its related
companies are not affiliated with [CitiFinancial Mortgage Company, Inc.].

TELEMARKETING SCRIPT OPENING PARAGRAPH (NON-AFFILIATE VENDOR):

Great, my name is ______ and I'm calling on behalf of [VENDOR Company] to offer
Shell cardmembers like yourself a 30-day free trial membership when you enroll
in [PROGRAM]. [VENDOR Company] is not affiliated with Citibank, the bank that
issues this credit card. [SHELL OIL COMPANY AND ITS RELATED COMPANIES ARE NOT
AFFILIATED WITH [VENDOR COMPANY]. **(SEE BELOW.)]

TELEMARKETING SCRIPT OPENING PARAGRAPH (AFFILIATE VENDOR)

Great, my name is ______ and I'm calling on behalf of [United States Auto Club,
Motoring Division Inc.] to offer Shell cardmembers like yourself a 30-day free
trial membership when you enroll in [Drive America/Texaco RoadStar]. Shell
Credit Cards are issued by Citibank. [SHELL OIL COMPANY AND ITS RELATED
COMPANIES ARE NOT AFFILIATED WITH [UNITED STATES AUTO CLUB, MOTORING DIVISION
INC.]. **(SEE BELOW.)]

[** LANGUAGE IN ITALICS MAY BE MOVED ELSEWHERE IN THE SCRIPT, PROVIDED THAT IT
IS STATED PRIOR TO CARDMEMBER ACCEPTANCE OF THE PROGRAM.]

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       40

<PAGE>

                           D. TEXACO/SHELL DISCLOSURES

MERCHANDISE DISCLOSURE:

[VENDOR Company], city, state, and its providers as applicable, assume all
responsibility and liability for this offer. Citibank (South Dakota), N. A., the
issuer of your Texaco or Shell Credit Card, is a member of Citigroup. By
responding to this offer, you will be disclosing all of the information
requested above, including your Texaco or Shell account number, to a company
outside the Citigroup family of companies. Shell Oil Company and its related
companies and ChevronTexaco Corp. are not affiliated with [VENDOR Company].

CLUBS DISCLOSURE (NON-AFFILIATE VENDOR):

[VENDOR Company], City, State, and its providers as applicable, assume all
responsibility and liability for this offer. Citibank (South Dakota), N. A., the
issuer of your Texaco or Shell Credit Card, is not affiliated with [VENDOR
Company]. Shell Oil Company and its related companies and ChevronTexaco Corp.
are not affiliated with [VENDOR Company].

CLUBS DISCLOSURE (AFFILIATE VENDOR):

[United States Auto Club, Motoring Division, Inc., Irving, Texas] and its
providers as applicable, assume all responsibility and liability for this offer.
Shell Oil Company and its related companies and ChevronTexaco Corp. are not
affiliated with [United States Auto Club, Motoring Division, Inc.]

INSURANCE DISCLOSURE:

Underwriter, no separate Provider.

[Insurance Program Name] is underwritten by [Underwriter name, City, State],
which assumes all responsibility and liability for the program and the insurance
benefits provided thereunder. Shell Oil Company and its related companies and
ChevronTexaco Corp. are not affiliated with [UNDERWRITER].

Provider and Underwriter

[Insurance Program Name] is provided by [Provider Name, City, State], which
assumes all responsibility and liability for the program. [Insurance Program
Name] is underwritten by [Underwriter Name, City, State], which assumes all
responsibility and liability for the insurance benefits. Shell Oil Company and
its related companies and ChevronTexaco Corp. are not affiliated with
[PROVIDER].

Administrator separate and apart from the Underwriter, then add:

The [Insurance Program Name] is administered by [Program Administrator Name,
City, State].

PRINT DISCLOSURE FOR AFFILIATE FINANCIAL PRODUCTS (HOME EQUITY OR PERSONAL LOAN)

Texaco and Shell credit cards are issued by Citibank (South Dakota), N.A., an
affiliate of [CitiFinancial Mortgage Company, Inc.]. Shell Oil Company and its
related companies, and ChevronTexaco Corp. are not affiliated with
[CitiFinancial Mortgage Company, Inc.].

TELEMARKETING SCRIPT OPENING PARAGRAPH (NON-AFFILIATE VENDOR):

Great, my name is__________and I'm calling on behalf of [VENDOR Company] to
offer Texaco and Shell cardmembers like yourself a 30-day free trial membership
when you enroll in [PROGRAM]. [VENDOR Company] is not affiliated with Citibank,
the bank that issues these credit cards. SHELL OIL COMPANY AND ITS RELATED
COMPANIES AND CHEVRONTEXACO CORP. ARE NOT AFFILIATED WITH [VENDOR COMPANY].
**(SEE BELOW.)

TELEMARKETING SCRIPT OPENING PARAGRAPH (AFFILIATE VENDOR):

Great, my name is ______ and I'm calling on behalf of [United States Auto Club,
Motoring Division Inc.] to offer Texaco and Shell cardmembers like yourself a
30-day free trial membership when you enroll in [Drive America/Texaco RoadStar].
Texaco and Shell Credit Cards are issued by Citibank. SHELL OIL COMPANY AND ITS
RELATED COMPANIES, AND CHEVRONTEXACO CORP. ARE NOT AFFILIATED WITH [UNITED
STATES AUTO CLUB, MOTORING DIVISION INC.]. * * (SEE BELOW.)

** LANGUAGE IN ITALICS MAY BE MOVED ELSEWHERE IN THE SCRIPT, PROVIDED THAT IT IS
STATED PRIOR TO CARDMEMBER ACCEPTANCE OF THE PROGRAM.

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       41

<PAGE>

VI.      REQUIREMENTS FOR INTERNET MARKETING

         Citi and third-party providers may agree to communicate with Citi
cardmembers about a Provider's program via the Internet - i.e., through Citi's
and/or the third party's web site(s) on the World Wide Web or through e-mails.
The content of the relevant web pages of such web sites as well as the content
of such e-mails must comply with the General Requirements, Requirements for
Printed Marketing Materials and Branding Requirements set forth in Sections I,
II and III of this Manual. Due to the dynamic nature of the Internet, Internet
communications must also comply with the following additional requirements:

         A.       If the program materials are hosted on a Citi web site, extra
                  care should be taken to satisfy Vendor Identification
                  requirements in Section II C in order to overcome the
                  possibility of any misperception or confusion that Citi as the
                  web site owner is responsible for the Vendor's program and
                  services featured on the Citi site.

         B.       If the program materials are hosted on a Vendor web site:

                  1. Make it clearly apparent to visitors to the Vendor's web
                  site that the web site belongs to the Vendor and not to Citi.

                  2. Do not use "Citi" or "Citibank" in the URL of the Vendor
                  web site even if the URL is specifically created for use by
                  Citi cardmembers.

                  3. Make sure the Vendor's privacy policy is clearly accessible
                  from the Vendor's web site and that it covers Vendor's
                  collection and use of data.

                  4. If there is a hyperlink to the Vendor's web site from a
                  Citi web site, place a disclosure statement similar to the
                  following on the Citi web site in close proximity to such
                  hyperlink:

                  WHEN YOU CLICK ON THE [PROGRAM NAME OR OTHER LINK IDENTIFIER]
                  LINK, YOU WILL BE LEAVING THE CITI WEB SITE AND ENTERING A
                  THIRD-PARTY WEB SITE, WHICH MAY HAVE A PRIVACY POLICY
                  DIFFERENT FROM THE CITIGROUP PRIVACY PROMISE AND MAY PROVIDE
                  LESS SECURITY THAN THIS CITI SITE.

         C.       Regardless of whose web site hosts the program materials,
                  disclosures triggered by an item on a given web page need to
                  be no more than one click away from such web page.

         D.       If Citi sends e-mails regarding Vendor programs:

                  1. Do not include a cardmember's account number in an e-mail
                  and do not request that cardmembers include account numbers in
                  e-mails

                  2. The "From" line of an e-mail must identify the entity
                  sending the e-mail

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       42

<PAGE>

                  3. The "Subject" line should be descriptive of the e-mail's
                  contents and must not be misleading or deceptive

                  4. All e-mails must inform the recipient how to unsubscribe
                  from receiving such e-mails and the method to unsubscribe must
                  be tested and effective.

         Final form of all web pages and e-mails must be submitted, after
approval by the appropriate program lawyer, to a Citi E-business lawyer for
approval prior to production.

                                      MANUAL FOURTH EDITION - REV. NOVEMBER 2002

                                       43

<PAGE>

                                   THIRD PARTY
                                  RELATIONSHIP

                                                                             3.1
<PAGE>
THIRD PARTY RELATIONSHIPS

A range of third party products and services is offered to Citi cardmembers via
billing statement inserts, fulfillment kits, and the Internet. The Citi logo
along with a copy line FOR CITI CARDMEMBERS has been developed for marketing
programs offered by third parties.

When referring to these programs, the line of copy must always appear with the
logo as presented below. Under no circumstances should you alter the
relationship between the logo and the copy line.

QUALITY LOGO REPRODUCTION

Please make sure when printing materials that the color of the Citi logo is not
compromised in any way. If necessary, run another pass of Citi Blue so that the
Citi logo will be printed at full strength.

                                  [CITI LOGO]

                                                                             3.3

<PAGE>

LETTERHEAD WITH PROGRAM LOGO - BRANDING ELEMENTS

Sales and promotional letters should be produced on the Program or vendor
letterhead. These letters must include the Program logo and should not appear to
be sent from Citi.

         REQUIRED ELEMENTS

-        When the optional Citi logo is used for third party relationships, it
         may be placed only along the bottom of the page, clearly separated from
         the [TEXT IS ILLEGIBLE]

-        The Citi logo for third party relationships must appear smaller than
         the Program logo and must adhere to sizing requirements outlined on
         pages 3.10 and 3.12

         FORBIDDEN ELEMENTS

-        Program letters should not appear to be sent from Citibank

-        The Blue Wave

-        The Citigroup endorsement line [TEXT IS ILLEGIBLE]

         PROGRAM LOGO
         Vendor Corp.
         123 Street Address
         Anytown, State 12345

         January 12, 2000

         Mrs. Sample E. Sample
         123 Street Address
         City, State

         Dear Cardmember,

         [TEXT IS IN LATIN]

         Sincerely,

         /s/ John Doe
             John Doe
             President, Program Corp.

         [CITI LOGO]

PROGRAM LETTERHEAD WITH OPTIONAL USE OF THE CITI LOGO FOR THIRD PARTY
RELATIONSHIPS

3.4      Example is hypothetical, scaled to 60% actual size.

<PAGE>

LETTERHEAD WITH CITI LOGO - BRANDING ELEMENTS

A letter or lift note from Citibank may be included in the package ONLY if the
content of the letter or note is to introduce the third party's offer to the
cardmember. This letter or note must be signed by a Citibank executive.

Under no circumstances should the content of the letter or note appear to be
"sales oriented."

         [CITI LOGO]                                       [TEXT IS ILLEGIBLE]

         January 12, 2000

         Mrs. Sample E. Sample
         123 Street Address
         City, State

         Dear Cardmember,

         [TEXT IS IN LATIN]

         Sincerely,

         /s/ Ken Stork
             Ken Stork
             President, Citibank (South Dakota), N.A.

                             CITIBANK LETTERHEAD

         [CITI LOGO]

         Dear Sample,

         [TEXT IS IN LATIN]

         /s/ Ken Stork
             Ken Stork
             President, Citibank (South Dakota), N.A.

LIFT NOTE FROM CITI CARDS

                Examples are hypothetical, scaled to 50% actual size.        3.5

<PAGE>

OUTER ENVELOPES WITH PROGRAM LOGO - BRANDING ELEMENTS

The Citi logo for third party relationships may appear on envelopes only if the
vendor/program name or logo appears in the return address.

         REQUIRED ELEMENTS

-        The return address should be the vendor's, and it should be accompanied
         by the program name

-        Vendor/Program name and address must be at least 12 points in size

-        If vendor/program logo is included, it must appear more prominent
         visually than the Citi logo for third party relationships, and confirm
         to the sizing requirements outlined on page 3.12

-        In the case of a program name containing "Citibank" or "Citi," the
         vendor's name should appear beneath the program name

-        If used, the Citi logo for third party relationships must be placed on
         the front of the envelope along the bottom edge

         FLEXIBLE ELEMENTS

-        The program name or logo may be included on the front and/or back of
         envelopes

         FORBIDDEN ELEMENTS

-        Program envelopes should not appear to be sent from Citi

-        The Blue Wave

-        The Citigroup endorsement line

-        Any Citi tagline

[ENVELOPE]

OUTER ENVELOPE WITH BOTH LOGOS
ON FRONT

[ENVELOPE]

[ENVELOPE]

OUTER ENVELOPE WITH PROGRAM LOGO

The Citi logo for third party relationships must always be placed on the bottom
edge of outer envelopes.

BACK PANEL

Vendor name and return address must be clearly identified on the back panel.

3.6                        Examples are hypothetical, scaled to 50% actual size.

<PAGE>

BANGTAILS AND BUSINESS REPLY ENVELOPES WITH PROGRAM LOGO - BRANDING ELEMENTS

The Citi logo for third party relationships may be included on bangtails and
reply envelopes placed along the bottom edge of these items.

         REQUIRED ELEMENTS

-        The business reply envelope must always be addressed to the program
         address

-        The Citi logo for third party relationships may be used only on the
         bottom portion of the reply envelope or bangtail

-        The Citi logo for third party relationships must appear smaller than
         the Program logo and must adhere to sizing requirements outlined on
         pages 3.10 and 3.12

         FORBIDDEN ELEMENTS

-        Reply envelopes should not appear to be addressed to Citi

-        The Blue Wave

-        The Citigroup endorsement line

-        Any Citi tagline

[TEXT IS IN LATIN]

BANGTAIL ENVELOPE

[ENVELOPE]

BUSINESS REPLY ENVELOPE

       Examples are hypothetical, scaled to 50% actual size.                3.7

<PAGE>

CITI DIRECT MAIL BANGTAIL STATEMENT OUTER ENVELOPE

LAYOUT

Special care must be taken in laying out bangtails. The agency or designer must
make certain that mechanicals follow the precise technical specifications for
these pieces - in regard to size, window placement, security patterns, and
postal markings.

COLOR

Please make sure that when printing a tint on the same side as the Citi logo and
return address that the Citi logo color is not compromised for the sake of the
tint. If necessary, run another pass of Citi Blue for the tint so the Citi logo
will be printed at full strength.

REMIT ENVELOPE

See p. 1.11 for bangtail requirement

                                   [ENVELOPE]

               DASHED LINES INDICATE PRINT LIMITS, NO BLEED AREAS

3.8                  Example is hypothetical, scaled to 50% actual size.

<PAGE>

INSERTS WITH PROGRAM LOGO - BRANDING ELEMENTS

         REQUIRED ELEMENTS

-        Placement of the Citi logo lor third party relationships must be along
         the bottom edge

-        The Citi logo for third party relationships must appear smaller than
         the program logo and must adhere to sizing requirements outlined on
         page 3.10

         FORBIDDEN ELEMENTS

-        Program inserts should not appear to be sent from Citi

-        The Blue Wave

-        The Citigroup endorsement line

-        Any Citi tagline

[TEXT IS IN LATIN]

VENDOR INSERT

               Example is hypothetical, scaled to 65% actual size.           3.9

<PAGE>

APPLICATION OF THE CITI LOGO FOR THIRD PARTY RELATIONSHIPS

THE LOGO PROTECTED AREA

For print applications, a minimum amount of open space should always surround
the Citi logo for the third party relationship copy line, separating it from
other elements, such as headlines, text or the outside edge of printed
materials. This minimum space is equal to "X," where X equals the height of the
letter "i" in the Citi logo. By allowing adequate space around the Citi logo for
the third party relationship copy line, we preserve the legibility and visual
impact of the logo and copy line.

MINIMUM LOGO SIZE WITH THE COPY LINE

The logo should never be reproduced at a size where the initial cap "F" in the
copy line appears smaller than 4 point (1.4mm, 0.056") in height.

[CITI LOGO]

TWO COLOR LOGO - PREFERRED

Arc prints Citi Red (in lieu of which, use Pantone(R) 485), type prints Citi
Blue (in lieu of which, use Pantone 288). Use on white or light color
backgrounds.

[CITI LOGO]

SINGLE COLOR LOGO

Arc and type print black.

[CITI LOGO]

SINGLE COLOR WHITE LOGO

Arc and type reverse out to white from dark backgrounds.

[CITI LOGO]

The colors shown on this page and throughout this guideline have not been
evaluated by Pantone, Inc., for accuracy and may not match the PANTONE Color
Standards. For the accurate PANTONE Color Standards. refer to the current
edition of the PANTONE Color Formula Guide.

PANTONE(R) is a registered trademark of Pantone, Inc.

3.10

<PAGE>

APPLICATION OF THE CITI AADVANTAGE LOGO FOR THIRD PARTY RELATIONSHIPS

THE LOGO PROTECTED AREA

For print applications, a minimum amount of open space should always surround
the logo and copy line, separating them from other elements, such as headlines,
text, or the outside edge of printed materials. This minimum space is equal to
"X," where X equals the height of the letter "i" in the Citi logo. By allowing
adequate space around the card program logo and copy line, we preserve the
legibility and visual impact of the logo and copy line.

[CITI AADVANTAGE LOGO]

MINIMUM LOGO SIZE WITH THE COPY LINE

The logo should never be reproduced at a size where the initial cap "F" in the
copy line appears smaller than 4 point (1.4 mm, 0.056") in height. This minimum
size should be used on all envelopes and 8 1/2 x 11" sheets of paper.

[CITI AADVANTAGE LOGO]

THREE COLOR LOGO - PREFERRED

Arc and the first "A" in AAdvantage print Citi and AAdvantage Red (in lieu of
which, use Pantone(R) 485). "Citi," "Citibank," "SM" type, "For Citi AAdvantage
Cardmembers" type, and rule prints Citi Blue (in lieu of which, use Pantone
288). The "eagle" and "Advantage" type print AAdvantage Blue (in lieu of which,
use Pantone 281). Use on white or light color background.

[CITI AADVANTAGE LOGO]

SINGLE COLOR LOGO

Arc, rule, eagle, and type print black.

[CITI AADVANTAGE LOGO]

SINGLE COLOR WHITE LOGO

Arc, rule, eagle, and type reverse out to white from dark backgrounds.

[CITI AADVANTAGE LOGO]

The colors shown on this page and throughout this guideline have not been
evaluated by Pantone, Inc. for accuracy and may not match the PANTONE Color
Standards. For the accurate PANTONE Color Standards, refer to the current
edition of the PANTONE Color Formula Guide.

PANTONE* is a registered trademark of Pantone, Inc.

                                                                            3.11

<PAGE>

SCALING THE PROGRAM LOGO WITH THE CITI LOGO FOR THIRD PARTY RELATIONSHIPS

The following are specific requirements related to the Citi brand identity that
third parties must adhere to in all marketing materials.

The third party logo must always be visually prominent in relation to the Citi
logo for third party relationships.

Regardless of the visual appearance of the program logo, whether long and
narrow, or short and compact, the Citi logo for third party relationships should
always appear to be no larger than 2/3 the size of the program logo.

         REQUIRED ELEMENTS

         -        There should be no likelihood of confusion regarding the
                  source of the materials or the entity making and fulfilling
                  the offer

         -        The program logo must appear visually prominent

         -        The program logo and/or identifying information must appear
                  above the Citi branding

         -        Citi and Arc design must be 1/2" in width on envelopes (this
                  is the equivalent of the minimum logo size illustrated below)

         -        Citi and Arc design must not be more than 3/4" in width on an
                  8 1/2 x 11" sheet of paper and should be scaled down
                  proportionally on smaller pieces

BECAUSE THE PROGRAM LOGOS VARY WIDELY IN SIZE AND SHAPE, THE PROPORTIONAL
SCALING OF THE CITI LOGO FOR THIRD PARTY RELATIONSHIPS MUST BE ESTABLISHED ON A
CASE-BY-CASE BASIS.

THE GOVERNING RULE IS THAT THE CITI LOGO FOR THIRD PARTY RELATIONSHIPS SHOULD
APPEAR NO LARGER THAT 2/3 THE SIZE OF THE PROGRAM VENDOR LOGO, AND SHOULD
CONFORM TO THE SPECIFIC SIZING REQUIREMENTS OUTLINED ON THIS PAGE.

ONCE A PROPORTIONAL RELATIONSHIP HAS BEEN ESTABLISHED, IT MUST BE REVIEWED AND
APPROVED BY CITI CARDS. FOR A SPECIFIC PROGRAM, BE SURE TO USE THIS APPROVED
PROPORTION CONSISTENTLY IN ALL CASES.

[PROGRAM LOGO]

[TEXT IS ILLEGIBLE]

[TEXT IS IN LATIN]

[TEXT IS ILLEGIBLE]

[CITI LOGO]

PROGRAM LETTERHEAD WITH CITI LOGO FOR THIRD PARTY RELATIONSHIPS

[CITI LOGO]

[CITI LOGO]

3.12              Letterhead example is hypothetical, scaled to 40% actual size.

<PAGE>

DON'T DO IT!

[ENVELOPE]

DO NOT lock up or place alongside the Program name or logo the Citi logo for
third party relationships.

[ENVELOPE]

DO NOT lock up words or themelines to the Citi logo for third party
relationships.

[ENVELOPE]

DO NOT use unauthorized Citibank identity elements such as the Blue Wave or Citi
typefaces on third party solo direct mail pieces.

[ENVELOPE]

DO NOT combine the Citi logo with the Program's executive signature.

                                                                            3.13

<PAGE>

                                  ATTACHMENT B

CITIGROUP INFORMATION TECHNOLOGY MANAGEMENT POLICY

ISSUED MARCH 2001

**

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

(C) CITIGROUP. INFORMATION CONTAINED HEREIN IS FOR INTERNAL USE AND MAY BE USED
ONLY FOR BUSINESS PURPOSES AUTHORIZED BY CITIGROUP.

                                        1

<PAGE>

                                  ATTACHMENT C
                                 MIS REPORTING

**

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

<PAGE>

                                  ATTACHMENT D

                     CUSTOMER SERVICE PERFORMANCE STANDARDS

**

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

<PAGE>

ATTACHMENT E

CITIGROUP PRIVACY PROMISE FOR CONSUMERS

While information is the cornerstone of our ability to provide superior service,
our most import asset is our customers' trust. Keeping customer information
secure and using it only as our customers would want us to, is a top priority
for all of us at Citibank, now a member of the Citigroup family of companies.

Here, then, is our promise to our individual customers:

1)       We will safeguard, according to strict standards of security and
         confidentiality, any information our customers share with us.

2)       We will limit the collection and use of customer information to the
         minimum we require to deliver superior service to our customers, which
         includes advising our customers about our products, services and other
         opportunities, and to administer our business.

3)       We will permit only authorized employees, who are trained in the proper
         handling of customer information, to have access to that information.
         Employees who violate our Privacy Promise will be subject to our normal
         disciplinary process.

4)       We will not reveal customer information to any external organization
         unless we have previously informed the customer in disclosures or
         agreements, have been authorized by the customer, or are required by
         law.

5)       We will always maintain control over the confidentiality of our
         customer information. We may, however, facilitate relevant offers from
         reputable companies. These companies are not permitted to retain any
         customer information unless the customer has specifically expressed
         interest in their products or services.

6)       We will tell customers in plain language initially and at least once
         annually, how they may remove their names from marketing lists. At any
         time, customers can contact us to remove their names from such lists.

7)       Whenever we hire other organizations to provide support services, we
         will require them to conform to our privacy standards and to allow us
         to audit them for compliance.

8)       For purposes of credit reporting, verification and risk management, we
         will exchange information about our customers with reputable reference
         sources and clearinghouse services.

9)       We will not use or share - internally or externally - personally
         identifiable medical information for any purpose other than
         underwriting or administration of a customer's policy, claim, or
         account, or as disclosed to the customer when the information is
         collected, or to which the customer consents.

10)      We will attempt to keep customer files complete, up to date, and
         accurate. We will tell our customers how and where to conveniently
         access their account information (except when we're prohibited by law),
         and how to notify us about errors which we will promptly correct.

<PAGE>
                                                                    ATTACHMENT F

CITIBANK TELEMARKETING STANDARDS AND PRACTICES
----------------------------------------------
                 8/12/02

**

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

                                 PROGRAM EXHIBIT

                                  CREDIT NOTIFY

I.       Program Offer

         Pursuant to the Program Provider Agreement dated as of August 1, 2002
(the "Agreement"), between Citibank (South Dakota), N.A. ("CBSD"), Citibank USA,
N.A. and Citicorp Credit Services, Inc. ("CCSI") (the entities above
collectively and individually referred to herein as "Citi") and Intersections,
Inc. ("Provider"), Provider shall offer Cardmembers with Citi Cards issued by
CBSD the opportunity to enroll in the Credit Notify Program (the "Program") and
to obtain membership thereunder and shall provide Program benefits to
Cardmembers who enroll in the Program ("Participating Cardmembers").

II.      Program Benefits

         (a)      The Program benefits are described in Schedule 1 attached
                  hereto.

         (b)      Provider may modify, add, delete or otherwise adjust the
                  features and benefits of the program with respect to
                  Participating Cardmembers, provided Provider first gives CBSD
                  thirty (30) days prior written notice and CBSD consent in
                  writing to the proposed change(s).

III.     Marketing

         (a)      At the direction of, and within the sole discretion of CBSD,
                  Provider may market the Program through (i) direct mail solo
                  mailings; (ii) promotional offers mailed to Cardmembers
                  inserted in Cardmember billing statements or other CBSD
                  communications to Cardmembers ("Inserts"); (iii) bangtails,
                  including outer envelope bangtails and remittance envelope
                  bangtails ("Bangtails"); (iv) telemarketing to Cardmembers;
                  (v) voice response unit ("VRU") response to Cardmember
                  inquiries; and (vi) any other method agreed to by the parties.
                  CBSD and Provider shall agree upon the marketing channel,
                  timing and frequency of all solicitations and the number of
                  Cardmembers to be solicited.

         (b)      CBSD may market the Program itself, from time to time and upon
                  the agreement of the parties. In addition, CBSD shall have the
                  option from time to time, at its expense, to inform
                  Cardmembers of the availability of the Program in newsletters,
                  brochures or solicitations sent to Cardmembers that refer to
                  various goods and/or services made available to Cardmembers
                  and prospective Cardmembers by CBSD, Provider and/or third
                  parties. CBSD shall submit to Provider, for its review and
                  prior approval, which approval shall not be unreasonably
                  withheld or

                                       1
<PAGE>

                  delayed, those portions of any such material that refer
                  specifically to Provider or the Program.

         (c)      The parties have agreed upon a marketing plan for calendar
                  years 2002 and 2003. The annual marketing plan for 2003 is
                  attached to this Program Exhibit. Provider shall deliver an
                  annual marketing plan for each subsequent calendar year that
                  this Program Exhibit remains in effect to CBSD by a mutually
                  agreed date, but no later than August 15 of each year. The
                  contents of the marketing plan are for planning purposes only,
                  and do not constitute or evidence any obligation of any nature
                  with respect to delivery of leads by CBSD or any guarantee by
                  Provider of a certain volume of sales or amount or type of
                  revenue.

         (d)      Provider shall, by the ** business day of each calendar month
                  while this Program Exhibit remains in effect, submit to CBSD
                  in writing an update of actual revenues for the preceding
                  calendar month and a projection of all Program memberships and
                  revenue for the current calendar month and a monthly forecast
                  of revenues against the then-current annual marketing plan.
                  Provider understands that the accuracy of such monthly
                  forecasts is of the utmost importance to CBSD, and agrees that
                  in the event of any deviation of ** percent (**%) or more
                  between the forecast revenues and actual revenues that occurs
                  in each month of any period of ** consecutive months during
                  the term of this Program Exhibit, then Provider shall promptly
                  implement a mutually agreed upon plan of corrective action.
                  Each month during the term of this Program Exhibit, the
                  parties shall review, by telephone, the performance during the
                  preceding month and the current monthly forecast.

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

         (e)      The parties shall meet on a quarterly basis to review Program
                  performance and update the marketing plan.

IV.      Development of Marketing Materials

         (a)      Prior to production or implementation of any Marketing
                  Materials, Provider shall send to CBSD written proposals that
                  cover all stages of creative development, including but not
                  limited to, positioning, marketing objectives, direct
                  marketing dates, direct marketing production schedules, a test
                  brief with impact on revenue and measures of success, and a
                  description of credit and billing processes. CBSD shall have
                  the final right of approval of the design and content of all
                  Marketing Materials. Provider shall brand Marketing Materials
                  in strict compliance with Attachment A.

         (b)      Provider agrees, at its sole expense, to develop and test
                  customized Marketing Materials for the Program.

         (c)      Provider shall use the dimensions and specifications provided
                  by CBSD to prepare Inserts and Bangtails above and all such
                  Inserts and Bangtails shall be identified with the form number
                  provided by CBSD to facilitate record keeping.

                                       2
<PAGE>

         (d)      Provider shall adhere to the marketing schedules and
                  requirements mutually agreed upon. Provider shall notify CBSD
                  at least (5) business days in advance in the event that
                  Provider expects it may be unable to meet any such schedule.
                  Notwithstanding this five (5) day notice requirement, in the
                  event Provider decides it is unable to use the telemarketing
                  leads provided by CBSD, it must so inform CBSD at least
                  fifteen (15) business days in advance of the month in which
                  such leads were to be used.

         (e)      Provider shall obtain CBSD's written approval prior to
                  changing any Marketing Materials or other communications to
                  Cardmembers, regardless of whether the Marketing Material or
                  other communications has been previously reviewed or approved
                  by CBSD.

         (f)      Provider shall submit Marketing Materials that it intends to
                  use in the Program for review and approval by CBSD (i) upon
                  the request of CBSD; (ii) upon any reprinting without
                  revisions, in the event such Marketing Materials have not been
                  reviewed within the preceding six (6) months; (iii) at regular
                  six (6) month intervals regardless of whether the Marketing
                  Materials are being reprinted; and (iv) pursuant to the
                  provisions of Section IV(e) hereof.

         (g)      Provider shall hold as exclusive to this Program, as
                  designated in a further writing signed by Provider as
                  "exclusive" to CBSD (i) those Program attributes modified by
                  CBSD and /or Provider for the CBSD Program; and (ii) new
                  solicitation or fulfillment creative materials developed or
                  modified for the CBSD Program by CBSD or jointly by CBSD and
                  Provider.

V.       Program Identification

         In the event that CBSD elects to develop a proprietary name for the
Program, Provider shall ensure that all Marketing Materials refer to the Program
by the name selected by CBSD and identify Provider as the company solely
responsible for marketing and administrating the Program. The Marketing
Materials shall include the CBSD name, logo and/or other identifying corporate
marks as CBSD, in its sole discretion, deems appropriate. Provider shall not use
CBSD's name or any new Program name selected by the parties, CBSD's logo and/or
other identifying corporate marks on Marketing Materials unless CBSD has
reviewed the proposed use and provided written approval of such use prior to
dissemination of the Marketing Materials. Any new name selected by CBSD for the
Program shall be deemed to be a trade name owned solely by CBSD and may not be
used by Provider except as expressly authorized under this Agreement; provided
that (a) prior to the use of such name by CBSD, CBSD notifies Provider in
writing that such name is "exclusive" to CBSD; (b) such new name is not
descriptive of the Program or Services, a generic name for the Program or
Services, or confusingly similar to, or dilutive of, any trademark, service
marks trade name or designation in use by Provider, or for which Provider has
applied for a trademark registration; and (c) Provider has no liability for use
of such name by any person or entity that markets Provider's products or service
under a name selected by that person or entity.

                                       3
<PAGE>

VI.      Dedicated Account Manager

         Provider shall designate at least two account managers for the Program,
subject to the prior approval of CBSD, who shall be dedicated on a full-time
basis to managerial responsibilities with respect to the Program. Provider shall
designate such other of its employees to the Program on a full-time or part-time
basis as the parties may determine from time to time upon their mutual consent.
CBSD shall have the right to require Provider to replace any account manager, if
Citi has sent to Provider written notice that such account manager has failed to
perform his or her duties to the satisfaction of CBSD or otherwise failed to
comply with any requirement with respect to the Program, and such failures have
not been addressed in a manner satisfactory to Citi within thirty (30) days of
such written notice.

VII.     Program Membership/Contents of Solicitation Materials

         (a)      Unless the parties agree otherwise in writing, all Program
                  memberships will be offered on a monthly basis. All existing
                  Program memberships now offered on an annual basis will be
                  converted to monthly memberships at the time of the renewal
                  date for each membership beginning on March 1, 2003. All
                  annual memberships will be converted to monthly memberships
                  not later than February 29, 2004.

         (b)      **

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

         (c)      All Marketing Materials used to enroll Cardmembers in the
                  Program shall include the following disclosures, as
                  applicable:

                  i.       The membership fee for the Program.

                  ii.      The initial offer for a free trial period, which
                           shall commence from the estimated time of the
                           Cardmember's receipt of the fulfillment kit, during
                           which time the Cardmember may enjoy the use of the
                           Program. If the Cardmember does not cancel his or her
                           participation during the trial period, he or she will
                           be automatically charged the full membership fee for
                           the Program on his or her Citi Card account.

                  iii.     Following written notice from Provider to the
                           Participating Cardmember, the Citi Card account of a
                           Participating Cardmember with an annual membership in
                           the Program shall be automatically charged a renewal
                           membership fee at the then-applicable price every
                           year following the initial membership, unless the
                           Participating Cardmember notifies CBSD or Provider of
                           his or her desire to cancel membership in the
                           Program.

                                       4
<PAGE>

                  iv.      A Participating Cardmember has the right to cancel
                           his or her Program membership at any time by
                           providing written notice to, or by calling, either
                           Provider or CBSD. The Marketing Materials used for
                           all solicitations and the fulfillment kit shall
                           contain a toll-free telephone number the
                           Participating Cardmember may use to terminate his or
                           her membership.

VIII.    Enrollment Processing

         (a)      Order/Sales Transaction

                  An order shall be deemed to take place when a Cardmember (i)
                  calls Provider or (ii) is called by Provider and accepts the
                  product offering.

                  Enrollment Transaction

                  An enrollment shall be deemed to take place when a
                  Participating Cardmember completes and returns to Provider a
                  written complete application or when Provider receives from
                  CBSD files with the Cardmember information (including the
                  Participating Cardmember's Social Security Number) that is
                  required by Provider. Provider will mail fulfillment materials
                  to a Participating Cardmember, in accordance with the
                  provisions of Section X hereof.

                  Notwithstanding the foregoing, no Cardmember's oral or written
                  agreement to enroll will be deemed to be complete and
                  effective until the Cardmember is informed and agrees that
                  his/her Citi Card account will be billed for the membership
                  fees, and upon such agreement, each such Cardmember shall be
                  deemed enrolled.

         (b)      **

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

         (c)      **

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

                                       5
<PAGE>

IX.      File of Participating Cardmembers

         Provider shall set up and maintain required maintenance files as
documented in applicable provisions of the current Citi standard procedures,
which have been delivered to Provider by CBSD, in connection with billing and
administration of Participating Cardmembers' accounts. CBSD will compare
Participating Cardmember accounts against the CBSD credit card file, and will
notify Provider monthly of any changes of address, phone number, sequence number
and bill/no bill indicator.

X.       Membership Fulfillment Kits

         (a)      Provider, at its sole expense, shall mail membership
                  fulfillment kits, that comply fully with all the requirements
                  of Attachment A, by means of first class mail, to all new
                  Program members within five (5) business days of each
                  enrollment. Each membership fulfillment kit will include, but
                  not be limited to, a Welcome Letter, Membership Card (if
                  applicable), a description of the Program benefits, any
                  mutually agreed membership benefit materials, and a Citibank
                  Plain Language Box. Provider shall not be permitted to make
                  any change to the fulfillment kit without the consent of CBSD.

         (b)      To ensure timely enrollment of new Participating Cardmembers
                  and mailing of membership kits, Provider shall maintain a
                  monthly fulfillment audit process. Provider shall supply
                  results of such audits and fulfillment kit inventory reports
                  to CBSD within five (5) business days of CBSD's request. In
                  the event such audit indicates that fulfillment is not in
                  compliance with this Section X, Provider shall cure such
                  noncompliance within ten (10) business days of CBSD's notice.

         (c)      CBSD shall have the right, upon prior reasonable notice to
                  Provider, to require Provider to insert in membership
                  fulfillment kits, quarterly Program letters and notices
                  disseminated to Participating Cardmembers, any CBSD materials
                  or materials pertaining to any other program or service
                  available to Cardmembers at no cost to CBSD, provided that
                  such materials are mutually agreed upon by the parties, do not
                  result in increased postage cost to Provider, are consistent
                  with the dimensions of the Program materials, may be inserted
                  mechanically by machine and do not pertain to a fee-based
                  program or service, unless expressly approved by Provider, or
                  to a service or any other program competitive with the
                  Program. An insertion set-up fee, not to exceed $** for each
                  such set-up, will be paid to

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

                                       6
<PAGE>

                  Provider by CBSD based upon the level of effort required by
                  Provider and approved in advance by CBSD.

XI.      Renewal of Membership of Participating Cardmembers

         (a)      Provider shall, at its sole expense, notify Participating
                  Cardmembers with a Program membership with a term of six
                  months or more of their automatic renewal between thirty (30)
                  and sixty (60) days prior to such renewal via a renewal
                  membership notice, in accordance with the requirements of
                  Attachment A. Each Participating Cardmember shall be deemed to
                  have exercised his or her right to renew his or her
                  participation in the Program from year to year unless and
                  until he or she notifies Provider or CBSD in writing or by
                  telephone of his or her intent to cancel.

         (b)      If, upon receipt of a Program membership renewal notice, a
                  Participating Cardmember cancels his or her membership in the
                  Program with a term of six months or more in accordance with
                  the terms set forth therein, Provider shall not submit a
                  charge to the Participating Cardmember's Citi Card account for
                  the then-applicable renewal fee. In addition, if any
                  Participating Cardmember cancels his or her annual membership
                  in the Program for any renewal term prior to payment for such
                  renewal annual membership in the Program being due as
                  reflected on his or her Citi Card account billing statement,
                  such Participating Cardmember shall be entitled to a full
                  refund of such annual membership fee.

         (c)      In the case of monthly membership in the program, Provider
                  shall, at its own expense, notify Participating Cardmembers of
                  any change in their membership fee, in a format acceptable to
                  CBSD, between thirty (30) and sixty (60) days prior to the
                  effective date of any such change.

XII.     Compensation

         (a)      Compensation for all Program memberships sold until and
                  including July 31, 2002 will be calculated in accordance with
                  the provisions of the agreement between the parties that was
                  in effect at that time. Compensation for all Program
                  memberships sold on or after August 1,2002 will be calculated
                  separately for each of the portfolios that CBSD identifies as
                  "Citi," "Universal," "Oils," and "Associates." Unless
                  otherwise agreed upon by the parties in writing, Provider
                  shall pay to CBSD compensation in connection with the
                  marketing of the Program according to criteria set forth
                  below. The Program will be billed on a monthly basis unless
                  the parties agree otherwise in writing. In any such event the
                  terms of the compensation to be paid to CBSD will also be
                  specified in such writing.

         (b)      Compensation will be calculated for all portfolios upon Net
                  Membership Revenue. Net Membership Revenue shall mean total
                  revenue from each monthly billing of all memberships minus the
                  total amount of any credits or refunds of membership fees.
                  Should the Program membership fee be discounted to the

                                       7
<PAGE>

                  Participating Cardmember in any way, CBSD shall nevertheless
                  be entitled to the applicable percentages of the Net
                  Membership Revenue. Any applicable sales or use tax imposed
                  with respect to the membership fees shall not be considered
                  part of Net Membership Revenue. Provider shall pay to CBSD the
                  Net Membership Revenue according to the following criteria:

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

         (c)      In connection with the Citi and Universal portfolios, for the
                  period beginning on August 1, 2002 and ending on December 1,
                  2002, Provider shall, in addition to the compensation set out
                  in Section XII.(b) hereof, pay to CBSD compensation based upon
                  the number of Cardmembers available to be contacted after
                  Provider has processed (scrubbed) the leads provided by CBSD
                  against (a) its list of already-subscribing Cardmembers; (b)
                  DMA files, (c) State Do Not Call lists, and (d) military
                  installations and prisons (the "List Fee per Net Lead"). The
                  List Fee per Net Lead will be calculated upon on the basis of
                  the number of telemarketing sales made upon Cardmember
                  acceptance during each hour that telemarketing is conducted,
                  which quantity will not be diminished for any reasons
                  including, but not limited to, cancellation and unsuccessful
                  billing ("Sales per Hour") as set forth below.

<TABLE>
<CAPTION>
Sales per Hour Range         List Fee per Net Lead
--------------------         ---------------------
<S>                          <C>
**                                  $**
**                                  $**
**                                  $**
**                                  $**
**                                  $**
</TABLE>

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

         (d)      **

                                       8
<PAGE>

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

         (e)      **

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

         (f)      All payments by Provider to CBSD of compensation based upon
                  Net Membership Revenue and the Merchant Processing Fee shall
                  be made in accordance with the procedures set forth in Section
                  XIII hereof. Provider shall pay all other compensation owed to
                  CBSD hereunder on a monthly basis, due on the fifteenth day of
                  each month following the calendar month in which the
                  Participating Cardmember is billed. Payment of such
                  compensation by Provider will be made by wire transfer to an
                  account specified by CBSD. On the same day such wire transfer
                  is made, Provider will send to an address specified by CBSD,
                  and in a format acceptable to CBSD, information supporting the
                  amount of the payment made by Provider.

XIII.    Billing Participating Cardmembers

         (a)      Provider shall comply fully with applicable provisions of the
                  current Citi standard procedures in connection with billing
                  and administration of Participating Cardmembers' accounts (the
                  "Billing Procedures"), copies of which have been furnished to
                  Provider. Provider shall submit to CBSD or to CBSD's
                  designated merchant processor, at CBSD's discretion (in either
                  case the "Processor"), at a location CBSD shall identify to
                  Provider, and in accordance with the Billing Procedures, the
                  data CBSD requires in order to debit or credit the accounts of
                  Cardmembers for the cost of membership enrollments, and the
                  amounts of refunds, respectively. Such data will be submitted
                  to the Processor in accordance with the time periods set forth
                  in the Billing Procedures, but data reflecting enrollments in
                  memberships shall be submitted no earlier than the date on
                  which the Cardmember has received the fulfillment kit for the
                  membership, plus any applicable trial period offered to the
                  Cardmember. Provider will submit all such data to CBSD through
                  electronic transmission or magnetic tape in a format
                  acceptable to CBSD and compatible with Processor's operational
                  systems (the "Billing Transmission").

                                       9
<PAGE>

         (b)      Provider shall respond within three (3) business days of
                  receipt thereof to any written request from CBSD or the
                  Processor for an explanation or additional information
                  relating to the data contained in the Billing Transmission.

         (c)      Provider (i) warrants that the amounts contained on all
                  Billing Transmissions delivered to the Processor shall
                  represent balances legally due; and (ii) acknowledges CBSD's
                  exclusive right to determine each Cardmember's credit line and
                  eligibility.

         (d)      Processor shall provide the following services, as applicable:
                  (i) calculate the total amount of Net Membership Revenue
                  exclusive of any applicable sales tax or use tax imposed with
                  respect to the membership fees; (ii) remit to CBSD
                  compensation payable in accordance with the Agreement; and
                  (iii) deposit into Providers' account at CBSD ("Providers'
                  CBSD Deposit Account"), the balance of the Net Membership
                  Revenue ("Providers' Net Revenue") following a five (5)
                  business day delay; provided, however, that CBSD shall have
                  the right to deduct from such payments of Providers' Net
                  Revenue or from Providers' CBSD Deposit Account (a)
                  administrative or other fees that are due and payable to CBSD
                  by Provider and (b) amounts credited to Participating
                  Cardmembers as cancellation reimbursements or chargebacks of
                  Program Charges previously paid; and provided further that
                  CBSD shall have no obligation to collect or remit to Provider
                  membership fees from Cardmembers whose privileges are
                  terminated by action of CBSD or the Cardmember for any reason.
                  For the purposes of this Agreement, a "chargeback" means the
                  crediting of a Cardmember account because of an irregularity
                  regarding a sale or because of some other deviation from
                  standard Citibank billing procedures; a "cancellation
                  reimbursement" means any obligation arising from a
                  Cardmember's cancellation of participation in the Program or
                  termination of a Cardmember's participation by Provider or
                  CBSD.

         (e)      CBSD reserves the sole right to: (i) designate an alternative
                  Processor and shall provide Provider with 60 days notice (with
                  full technical details) prior to the effective date of such
                  change, and (ii) modify the billing process described herein
                  and the applicable Billing Procedures upon 10 business days
                  written notice to Provider from the time specifications are
                  provided.

XIV.     Customer Service and Performance Standards

         Provider shall ensure that its customer service staff is sufficient at
all times to meet the standards described in Attachment D.

XV.      MIS Standards

         Provider shall submit to CBSD the information described in Attachment
C, and all other reasonable requests for information within two (2) business
days of request by CBSD.

XVI.     Program Termination

                                       10
<PAGE>

         (a)      In addition to CBSD's right to terminate the Agreement as set
                  forth in Article XI of the Agreement, CBSD may also terminate
                  a Program, or any portion thereof, upon ninety (90) days
                  notice if terminated without cause, and in accordance with the
                  provisions of Articles XI.(B) (1) or (2) of the Program
                  Provider Agreement, which are hereby incorporated into this
                  Program Exhibit, if terminated with cause. In the event of
                  termination of a Program, whether with or without cause, CBSD
                  may, at its sole option:

                  i.       allow Provider to either extend or renew the
                           membership of any Participating Cardmember for a
                           period of three years following Program termination
                           or until the Cardmember's membership is canceled by
                           either the Cardmember or Provider. In such event,
                           Provider shall pay CBSD the compensation described in
                           Section XII hereof on Net Membership Revenue paid by
                           such Cardmembers for the duration of the
                           Participating Cardmembers' participation; or

                  ii.      transfer all Participating Cardmembers to another
                           program designated by CBSD, at such time as CBSD
                           specifies. If the termination has been without cause,
                           then such time shall not be less than three years
                           after notice of termination by CBSD. In such event,
                           Provider shall continue to service and bill the
                           Participating Cardmembers until the conversion to
                           another CBSD-designated program is complete, in a
                           manner as though the Cardmembers were not converting.
                           Provider shall ensure all renewals are paid for by
                           means of CBSD credit cards, unless otherwise required
                           by law or agreed to by CBSD; provided, however, that
                           Participating Cardmembers may pay for Program
                           memberships by means of a Visa or MasterCard credit
                           card issued by an entity other than CBSD if such
                           Cardmembers specifically request to use such payment
                           means or by other mutually agreed upon payment
                           methods. Provider shall ensure that appropriate MIS
                           reports are prepared in accordance with Attachment C
                           to reflect these payments and facilitate the payment
                           of compensation to CBSD pursuant to Section XII
                           hereof. Provider shall cooperate fully with CBSD
                           and/or its designated service provider to achieve the
                           complete, orderly, and effective transfer of
                           Participating Cardmembers from Provider to the new
                           service or program, subject to provider's rights in
                           confidential or proprietary information and
                           intellectual property.

         (b)      In the event such termination of a Program, or any portion
                  thereof, is with cause, CBSD may also, at its option,
                  terminate the Program. In such event, Provider shall notify
                  all Participating Cardmembers with respect to the termination
                  of the Program and shall provide refunds of the most recent
                  annual and monthly fee payments to all Participating
                  Cardmembers as described above.

         (c)      Notwithstanding the provisions set forth in this Section XVI,
                  in the event of a material breach by Provider of its
                  obligations hereunder after the date the Program

                                       11
<PAGE>

                  is terminated without cause pursuant to this Section XVI,
                  including but not limited to its obligation to provide all the
                  benefits of Program membership to a Cardmember, CBSD may, in
                  its sole discretion, direct Provider to discontinue all
                  renewal billing. In such event, Provider shall (i) notify all
                  Participating Cardmembers with respect to the termination of
                  the Program, with such notice subject to prior review and
                  approval of CBSD; (ii) continue to provide Services to
                  Participating Cardmembers for the remaining time period for
                  which Cardmembers had been billed; and (iii) discontinue all
                  renewal billing. If Provider is no longer able to continue to
                  provide all benefits of Program membership to Cardmembers, it
                  shall immediately refund to each Cardmember a pro rata portion
                  of the annual or monthly membership fee it has collected on
                  account of such Cardmember's membership in the Program.

         THE FOREGOING PROGRAM EXHIBIT IS ENTERED INTO, EFFECTIVE AUGUST 1,
         2002, BY CBSD AND PROVIDER.

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

                  By: /s/ DOUGLAS S. MORRISON               By: /s/ KEN SCHWARZ
                      -------------------------------           ----------------

                  Name:     DOUGLAS S. MORRISON             Name: Ken Schwarz
                                                                  --------------
                  Title:        VP CitiCards
                        Chief Fin. Officer/0 & T Finance    Title: COO
                                 0000391579
                              Sioux Falls, SD
                              (605) 331-2855

                  CITICORP CREDIT SERVICES, INC.

                  By: /s/ SUE YASAV
                      ------------------------------

                  Name:           SUE YASAV

                  Title:        Vice President
                              Personnel no: 5212386
                          Citicorp Credit Service, Inc.
                           1 Court Square-26th Floor
                          Long Island City, NY 11120

                                       12<PAGE>

                                                                    EXHIBIT 10.6

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

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

                                   WITNESSETH:

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

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

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

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

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

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

1.       Provision of Equifax Credit Information.

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

                  (A)      Pursuant to:

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

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

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

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

<PAGE>

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

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

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

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

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

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

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

<PAGE>

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

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

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

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

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

2.       PROMOTION AND TRAINING.

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

3.       RIGHT TO CONDUCT TECHNICAL REVIEWS AND AUDITS.

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

<PAGE>

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

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

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

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

5.       Disclaimer of Warranties.

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

6.       Indemnification by CreditComm.

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

<PAGE>

7.       Confidentiality.

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

8.       Relationship of Parties.

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

9.       No Third-Party Benefits.

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

10.      Assignment.

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

<PAGE>

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

11.      Force Majeure.

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

12.      Contact Persons.

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

         (a)      For CreditComm Services LLC:

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

         (b)      For Equifax:

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

         (c)      For Digital Matrix Systems:

                  Name:         David McGough
                  Address:

                  Telephone:

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

<PAGE>

13.      Notices.

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

         (a)      If to CreditComm Services, LLC:

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

         (b)      If to Equifax:

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

         (c)      If to Digital Matrix Systems:

                  Name: David McGough
                  Address:

                  Telephone:

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

14.      Severability.

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

15.      Exhibits.

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

16.      Injunctive Relief.

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

<PAGE>

17.      Use of Equifax Services.

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

16.      Heading.

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

19.      Governing Law.

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

20.      Waiver of Rights.

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

21.      Entire Agreement.

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

22.      Term and Termination.

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

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

<PAGE>

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

By: _____________________________________________
               Name Printed & Title

    _____________________________________________
                  Name Signature

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

    _____________________________________________
                  Name Signature

 DIGITAL MATRIX SYSTEMS
("Processor")

By: _____________________________________________
               Name Printed & Title

    _____________________________________________
                  Name Signature

    _____________________________________________
                      Date

April 2, 1997

<PAGE>
                                                                      ADDENDUM A

                 PRICING SCHEDULE/CREDIT FILES, CREDITCOMM, LCC

                                       **

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

April 2, 1997
<PAGE>
                                                                      ADDENDUM B

              PRICING SCHEDULE/MONITORING SERVICE, CREDITCOMM, LCC

         **

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

April 2, 1997
<PAGE>

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

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

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

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

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

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

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

1.       RECITALS

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

2.       DEFINITIONS AND ADDITIONAL CONDITIONS

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

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

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

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

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

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

3.       Internet Consumer Delivery Authorization

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

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

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

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

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

5.       Written Authorization of Consumer Subjects

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

                                       2
<PAGE>

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

6.       Internet Security Requirements

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

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

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

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

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

7.       No Other or Further License

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

8.       Additional Intersections Undertakings

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

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

                                       3
<PAGE>

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

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

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

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

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

                                       4
<PAGE>
9.       RIGHTS TO AUDIT

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

10.      ADDITIONAL TERMS AND CONDITIONS

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

11.      COUNTERPARTS; FACSIMILE

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

12.      DESCRIPTIVE HEADINGS

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

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

EQUIFAX CREDIT INFORMATION SERVICES, INC.        INTERSECTIONS INC.

By:___________________________________          By:_____________________________

Print Name:___________________________          Print Name:_____________________

Title:_______________________________           Title:__________________________

                                                DIGITAL MATRIX SYSTEMS, INC.

                                                By:_____________________________

                                                Print Name:_____________________

                                                Title:__________________________

                                       5
<PAGE>
                                   EXHIBIT A

USE OF EQUIFAX TRADEMARKS, SERVICE MARKS AND TRADE NAMES (THE "MARKS")

     a. Equifax hereby grants to Intersections a non-exclusive license to use
the Marks solely for the purpose of advertising, marketing and promoting the
Equifax credit information as contained in the CreditCompare and Credit
Monitoring services for purposes of the provision of such services directly to
Consumer Subjects through the Web Site as authorized by this First Addendum.
However, all use of the Marks must be preapproved by Equifax and conform to the
requirements set forth in this Exhibit "A." All materials appearing on the Web
Site shall be subject without limitation to the terms and conditions of Section
2.1 of the Agreement.

     b. All written or printed advertising, marketing and promotional materials
containing any Marks, or inclusion of such Marks in the Web Site or any web
page, shall contain appropriate legends, markings and/or notices as required
from time to time by Equifax, to give notice to the public of Equifax's rights
to the Marks. The following notices shall be required at least once on each such
printed material and on the legal notices page on the Web Site, as the case may
be:

          EQUIFAX(R) IS A REGISTERED TRADEMARK OF EQUIFAX INC., AND IS USED ON
          THIS WEB SITE WITH THE EXPRESS PERMISSION OF EQUIFAX INC. ALL RIGHTS
          RESERVED BY EQUIFAX INC.

          _______ IS NOT AFFILIATED WITH EQUIFAX INC. THE SERVICES DESCRIBED
          HEREIN ARE SOLELY THOSE OF ________ AND ARE NOT ENDORSED BY EQUIFAX
          INC, OR ANY OF ITS AFFILIATED ENTITIES.

     c. The nonexclusive license granted in this Agreement is nonassignable and
nontransferable. Upon the expiration or termination of the Agreement,
Intersections shall make no further use of the Marks for any purpose whatever or
wherever, nor employ or use any other trademark, service mark or trade names
that give the impression, tend to suggest, or are likely to cause confusion: (a)
with the Marks or (b) that Intersections is authorized to use the Marks in
connection with the advertising, marketing or promotion of any of its services.

     d. Each party understands and agrees that monetary damages would not be a
sufficient remedy for any breach by Intersections of the terms of this license
and that Equifax shall be entitled to seek injunctive or other equitable relief
to remedy or forestall any breach or threatened breach by Intersections, and
Intersections shall not be allege in any such proceeding that Equifax's remedy
at law is adequate. Such remedy shall not be deemed to be the exclusive remedy
for any breach of this license, but shall be in addition to all other rights and
remedies available at law or in equity.

     e. Equifax may terminate the foregoing trademark license if, in its
reasonable discretion, Intersections' use of the Marks tarnishes, blurs or
dilutes the quality associated with the Marks or the associated goodwill and
such problem is not cured within ten (10) days of notice; alternatively, instead
of terminating the license in total, Equifax may specify that certain materials,
or portions thereof, may not contain the Marks. Title to and ownership of the
Marks and all associated goodwill shall remain exclusively with Equifax.
Intersections will use the Marks exactly in the form provided and in conformance
with any trademark usage policies provided to Intersections by Equifax.
Intersections will not take any action inconsistent with Equifax's ownership of
the Marks, and any benefits accruing from use of such Marks will automatically
vest in Equifax. Intersections shall not form any combination marks with the
Marks.

                                       6

<PAGE>
                                   EXHIBIT B

www.intersections.com
www.americanexpress.creditaware.com
www.profileprotect.com
www.creditobserver.com
www.creditprotect.intersections.com
www.creditnotify.com
www.auditdept.com

<PAGE>
                                   EXHIBIT C

                               SERVICES AGREEMENT

     THIS SERVICES AGREEMENT ("Agreement") is made as of December 21, 2000 (the
"Effective Date") by and between INTERSECTIONS INC., with its principal place
of business at 14930 Bogle Dr. Chantilly, VA 20151 ("Client"), and EQUIFAX
SECURE, INC., with its principal place of business at 1550 Peachtree St., N.W.
Atlanta, Georgia 30309 ("Equifax Secure").

1.   DEFINITIONS. For the purpose of this Agreement, all capitalized terms used
in this Agreement will have the meaning ascribed to them in Exhibit A,
"Definitions".

2.   CONFIGURATION AND OPERATION.

     2.1  AUTHENTICATION SERVICES. Client engages Equifax Secure to perform the
Authentication Services according to the Configuration Checklist and the
Customer Implementation Guide, collectively the "Specifications". The
Specifications are incorporated by reference as Exhibit D.

     2.2  CONFIGURATION. Each party will, at its expense, be responsible for
configuring its hardware and software so that it is capable of performing or
using the Authentication Services, as the case may be, in accordance with the
Specifications. Equifax Secure will notify Client that the Authentication
Services are configured in accordance with the Specifications, at which time,
Equifax Secure will make the Authentication Services available to Client via
the Staging Environment for testing (such date upon which Equifax Secure
submits the Authentication Services to Client for testing shall be referred to
throughout this Agreement as the "Testing Submission Date"). Client will then
promptly test the Authentication Services to determine whether or not they
conform to the Specifications. If in Client's reasonable judgment, the
Authentication Services do not conform to the Specifications, then Client will
notify Equifax Secure of its rejection. Equifax Secure will then use
commercially reasonable efforts to promptly correct the non-conforming portion
of the Authentication Services and make the corrected versions available to
Client for approval. The Authentication Services will then be re-tested to
ensure that the Authentication Services perform in accordance with the
Specifications. In addition to the parties' other rights under the Agreement,
the parties will continue working together until Client provides notice to
Equifax Secure that in its reasonable segment the Authentication Services are
operating in accordance with the Specifications. Once the Authentication
Services are approved, Equifax Secure will not change the Authentication
Services in any manner that degrades the functionality of the Authentication
Service (e.g., text, layout, functional operation, new promotions or branding)
without Client's prior approval.

     2.3  CONFIGURATION CHANGES AND NEW RELEASES. Equifax Secure will make
available to Client, during the Term of this Agreement, New Releases of the
Authentication Services, provided, that Client is capable of utilizing and
rolling over to the New Release. Equifax Secure may delay Client's rollover to
a New Release if necessary for technical and/or other project management
reasons. During the Term of this Agreement, Client may request configuration
changes to the Authentication Services including the Specifications. Equifax
Secure may, in its sole discretion, include such requested changes in a New
Release of the Authentication Service or modify the Authentication Services
according to Client's request, in which case, Equifax Secure will make the
modified version of the Authentication Services available for Client's approval
prior to release to Users. Equifax Secure will charge Client for the
modifications to the Authentication Services at its standard time and materials
fees which will be invoiced by Equifax Secure upon completion of the
modifications and payable by Client upon receipt of the invoice.

     2.4  CHANGES TO BRANDING. If Client changes its branding, Client may
request that Equifax Secure reimplement the Client Pages using the new
branding. Upon such a request by Client, Equifax Secure will make the requested
changes and will make available the reimplemented pages via the Staging
Environment within a reasonable period of time for Client's approval. Equifax
Secure will charge Client for the reimplementation at its standard time and
materials fees which will be invoiced by Equifax Secure upon Equifax Secure's
completion of the reimplementation and payable by Client upon receipt of the
invoice.

     2.5  OPERATION. Equifax Secure will host and operate, in accordance with
the terms of Exhibit C, "Performance Standards", the Authentication Service and
Equifax Secure Pages under the Domain Name. Unless
<PAGE>
otherwise specified in this Agreement, each party will be responsible for all
configuration, hosting and other costs associated with the pages living on
their servers.

    2.6.  COOPERATION. The parties will timely and diligently cooperate with
each other in a commercially reasonable manner to facilitate the performance of
their respective obligations under the Agreement.

    2.7.  SERVICE MANAGERS. Each party will designate a service manager to whom
day-to-day communications regarding the Authentication Services will be
directed. Either party may change the identity of their service manager by
providing written notice to the other party, but each party will try to limit
such changes.

    2.8.  SCORING. Client will establish a scoring threshold above which a User
is authenticated and below which the User is not authenticated. Equifax Secure
may act as a consultant in this respect, but the final scoring criteria will be
set by Client. Client acknowledges and agrees that the authentication score does
not guarantee the identity of the User, but merely provides a score to Client
derived, in part, from information entered by the User. Client further
acknowledges that the score may not be used, in whole or in part, as a basis for
determining the eligibility of the User for credit. Client acknowledges that it
may not share the score or its scoring threshold with any third party.

    2.9.  TRANSFER OF DATA. Equifax Secure will transfer and/or present data
and/or information to third parties as specified by Client in the
Specifications, provided that Client agrees to indemnify Equifax Secure pursuant
to Section 7.2(iv) of this Agreement.

    2.10. EQUIFAX SECURE SOFTWARE. Equifax Secure hereby grants to Client a
non-exclusive license to use and copy the Equifax Secure Software solely as
part of and to receive the Authentication Services. Except as provided in this
Agreement, Client agrees not to (a) use, copy or modify the Equifax Secure
Software; (b) reverse engineer, decompile or otherwise translate the Equifax
Secure Software; or (c) sublicense, rent or lease the Equifax Secure Software.

3.  PAYMENT.

    3.1.  SET-UP FEE. Client will pay to Equifax Secure the set-up fees
described in Exhibit B, "Additional Terms" which will be invoiced on or after
the Effective Date and payable by Client upon Client's receipt of Equifax
Secure's invoice therefor.

    3.2.  SERVICE FEE. Client will pay to Equifax Secure the fees (including,
but not limited to, the Transaction Fees and the Monthly Minimums) for the
Authentication Services (the "Service Fees") as described in Exhibit B,
"Additional Terms" which will be payable by Client upon Client's receipt of
Equifax Secure's invoice therefor.

    3.3.  EXPENSES. Client will reimburse Equifax Secure for all reasonable,
pre-approved, out-of-pocket expenses, incurred by Equifax Secure in connection
with the performance of the services under Section 2.2, 2.3 and 2.4 of this
Agreement, including, without limitation, reasonable costs of travel, lodging,
custom equipment and other similar items. All expenses will be payable by
Client upon Client's receipt of Equifax Secure's invoice therefor.

    3.4.  REPORTING. Equifax Secure will provide to Client reports regarding
the activity of the Authentication Services as described in Exhibit E "Reports".

    3.5.  TAXES. All fees quoted in this Agreement are exclusive of any sales,
use or other tax related to the parties' performance of their obligations or
exercise of their rights under this Agreement. Client will be responsible for
any sales, use or other tax related to the parties' performance of their
obligations or exercise of their rights under this agreement regardless of
whether such tax is currently existing or later enacted. Notwithstanding the
foregoing, Client will not be responsible for taxes imposed on the revenues or
income of Equifax Secure.
<PAGE>
     3.6. RECORDS RETENTION. Unless otherwise provided in this Agreement,
Equifax Secure may maintain records and books of accounts relating to the
computation of the Service Fees owed by Client following termination of this
Agreement.

     3.7. DISPUTED AMOUNTS. If Client disputes the accuracy or applicability of
a charge or credit, Client will notify Equifax Secure of such dispute as soon as
practicable, but in no event later than sixty (60) days, after such discrepancy
has been discovered. In no event will Client initiate a dispute regarding the
accuracy or applicability of a charge or credit more than one (1) year after the
invoice date first reflecting such charge or credit. The parties will
investigate and resolve the dispute in accordance with the dispute resolution
procedures described this Agreement. Client will pay any undisputed amounts (in
an invoice containing a disputed charge) in accordance with this Agreement, and
Equifax Secure will promptly credit to Client any undisputed credit amounts.  A
party will not be in breach under this Agreement due to its failure to pay
disputed amounts or credit disputed credit amounts which are in the dispute
resolution process described below.

4.   LICENSES AND STANDARDS.

     4.1. CONTENT LICENSE. Subject to the approval process in Section 2.3,
Client hereby grants to Equifax Secure a non-exclusive license to use,
reproduce, distribute, create derivative works of (only as necessary to build
the Equifax Secure Pages), publicly perform, publicly display and digitally
perform the Client Content on or in conjunction with the Equifax Secure Pages.

     4.2. USER INFORMATION. Client hereby grants to Equifax Secure a
nonexclusive license to: (a) use User Information as required to display the
Equifax Secure Pages, provide the Authentication Services to Users, and
internally analyze the performance of the Authentication Services; (b) disclose
the items of User Information to its subcontractors (including its Affiliates)
for the sole purpose of providing the Authentication Services to Client and
assisting Equifax Secure in its performance of its obligations under this
Agreement; and (c) disclose User Information as required by law or the
operation of the Authentication Services. Equifax Secure acknowledges that the
User Information may constitute Client's trade secrets, and thus Equifax Secure
will not, and will use reasonable efforts to ensure that its subcontractors
(including its Affiliates) do not, use or disclose User Information in any way
other than as expressly permitted under this Agreement. Without limiting the
foregoing, Equifax Secure will not, and will use reasonable efforts to cause
its subcontractors (including its Affiliates) not to, in any Equifax Secure
Database: (w) add or subtract any information in the Equifax Secure Database on
the User Information except as required by law, (x) make any notations that
User Information confirms information in the Equifax Secure Database, (y) make
any notations that User Information is contrary to information in the Equifax
Secure Database, or (z) otherwise reflect the fact that Equifax Secure or its
subcontractors (including it Affiliates) had access to any portion of the User
Information or that Equifax Secure or its subcontractors (including its
Affiliates) had any interaction with the User through the Authentication Service
except for the addition of a statement in the consumer report of the User
indicating that such report was delivered to Client at the User's request
(including the date of delivery). Equifax Secure will use at least
industry-standard methods to protect the security of User Information.

     Notwithstanding the foregoing, Client hereby grants to Equifax Secure a
nonexclusive license to disclose User Information in aggregate statistical form
(so long as such data does not contain any identifiable piece of User
Information from any User) across multiple sources (not just Client) in a way
that does not disclose any discrete items of User Information. Except for
Equifax Secure's obligations under subsection (w), (x), (y) and (z) above, there
are no other limitations or restrictions on the Equifax Secure Databases.

     Upon termination of this Agreement and except as provided by law, Equifax
Secure will remove all User Information from its servers and will use
commercially reasonable efforts to remove the User Information from its
archives (electronic or otherwise). However, with respect to the records
described in Exhibit E, Equifax Secure will archive this information for three
(3) years from the termination of this Agreement, after which Equifax Secure
will use commercially reasonable efforts to remove such data from its archives
except as required by law. Notwithstanding the foregoing, upon termination of
this Agreement, Equifax Secure will not be required to remove from its servers
any aggregated statistical data (so long as such data does not contain any
identifiable piece of User

                                       3
<PAGE>

Information from any User) created from the User Information, nor will Equifax
Secure be restricted, in any way, from disclosing such aggregated statistical
data.

     4.3. OWNERSHIP. Except as otherwise provided in this Agreement, as between
Client and Equifax Secure: (a) Client and its suppliers retain all right, title
and interest in and to all intellectual property rights embodied in or
associated with the Client Content and the User Information, and (b) Equifax
Secure and its suppliers retain all right, title and interest in and to all
intellectual property rights embodied in or associated with the Authentication
Services except for the Client Content and User Information (except for
aggregation data created from User Information). There are no implied licenses
under this Agreement, and any rights not expressly granted to a licensee under
this Agreement are reserved by the licensor or its suppliers. Neither party will
exceed the scope of the licenses granted under this Agreement.

     4.4. TRADEMARK LICENSE. Equifax Secure hereby grants to Client a
non-exclusive license to use the Equifax Secure Marks (including without
limitation the Domain Name): (a) in links to the Equifax Secure Pages and
advertisements and promotions for the Authentication Services, and (b) on the
Client Pages. Client hereby grants to Equifax Secure a non-exclusive license to
the Client Marks (including without limitation the Domain Name): (a) in links to
the Client Pages from a customer list or other partner page, (b) on the Equifax
Secure Pages, and (c) in any other manner approved in writing by Client.

     4.5. TRADEMARK RESTRICTIONS. The Mark owner may terminate the foregoing
trademark license if, in its reasonable discretion, the licensee's use of the
Marks tarnishes, blurs or dilutes the quality associated with the Marks or the
associated goodwill and such problem is not cured within ten (10) days of
notice; alternatively, instead of terminating the license in total, the owner
may specify that certain pages of the licensee's website may not contain the
Marks. Title to and ownership of the owner's Marks will remain with the owner.
The licensee will use the Marks exactly in the form provided and in conformance
with any trademark usage policies provided to such party. The licensee will not
take any action inconsistent with the owner's ownership of the Marks, and any
benefits accruing from use of such Marks will automatically vest in the owner.
The licensee will not form any combination marks with the other party's Marks.
Notwithstanding the foregoing, to the extent that the Domain Name is deemed a
combination mark, neither party will use the Domain Name for any purpose except
as expressly provided in this Agreement or attempt to register the Domain Name
with a government entity, and the parties will jointly cooperate on any
enforcement action of infringement of the Domain Name.

     4.6. SUBLICENSING LIMITS. No license rights granted in this Agreement are
sublicenseable. Notwithstanding the foregoing, either party may use third party
web hosts, web integrators, and Equifax Secure may use other subcontractors to
assist in the performance of the Authentication Services, but all actions or
failures to act of the web hosts, web integrators or subcontractor, as the case
may be, that would be a breach of this Agreement, were the actions or failures
to act taken by the applicable party, will be deemed a breach of this Agreement.

     4.7. CONTENT STANDARDS. Client will not provide any Client Content, and
Equifax Secure will not provide any Equifax Secure Content or Equifax Secure
Software, that: (a) infringes any intellectual property or publicity/privacy
right; (b) violates any law or regulation; (c) is defamatory, obscene, harmful
to minors or child pornographic; (d) contains any viruses, Trojan horses, worms,
time bombs, cancelbots or other computer programming routines that are intended
to damage, detrimentally interfere with, surreptitiously intercept or
expropriate any system, data or personal information; or (e) is materially
false, misleading or inaccurate.

5.   WARRANTIES.

     5.1  PERFORMANCE OF AUTHENTICATION SERVICES. Equifax Secure warrants that
(a) it, and each of the subcontractors that it uses to provide and perform the
Authentication Services, have the necessary knowledge, skills, experience,
qualifications and resources to provide and perform the Authentication Services
in accordance with this Agreement; and (b) the Authentication Services will be
performed in a diligent, workmanlike manner which meets or exceeds industry
standards applicable to the performance of such services.

                                       4
<PAGE>

     5.2.      SOFTWARE OPERATION. Equifax Secure warrants that the Equifax
Secure Software, as delivered, will operate materially in accordance with the
Specifications.

     5.3.      USER INFORMATION. Client warrants that it either owns, or has
the right to license to Equifax Secure according to Section 4.2 of the
Agreement, the User Information.

     5.4.      DISCLAIMER. Except as otherwise expressly stated in this
Section 5, each party provides all materials and services to the other party
"as is," and each party disclaims all warranties and conditions, express,
implied or statutory, including without limitation the implied warranties of
title, non-infringement, and merchantability and fitness for a particular
purpose. Except as otherwise expressly stated in this Agreement, Equifax Secure
does not warrant that the Authentication Services operate uninterrupted or
error-free. Equifax Secure does not warrant, and will not be liable for, either
the accuracy or results of the Authentication Services to the extent any
inaccuracies are caused by data and/or information received from Client or any
third party. Each party acknowledges that it has not entered into this
Agreement in reliance upon any warranty or representation except those
specifically set forth in this Agreement.  Except where an approval process is
specified in this Agreement, all deliverables provided by one party to the
other will be deemed accepted (for purposes of the UCC) when delivered.

6.   TERM AND TERMINATION.

     6.1.      TERM. Unless earlier terminated as provided in this Agreement,
the initial term of this Agreement will begin on the Effective Date and continue
for a period of fifteen (15) full calender months following the Initial Launch
Date (the "Initial Term"), and will automatically renew for successive one (1)
year terms (each such term referred to in this Agreement as a "Renewal Term" and
the Initial Term and Renewal Term(s) also referred to in this Agreement as a
"Term") unless either party provides the other party written notice of such
intent not to renew ninety (90) days prior to the expiration of the then current
Term.

     6.2.      TERMINATION FOR FAILURE TO PERFORM. By providing written
notice, a party may immediately terminate this Agreement: (a) if the other
party materially breaches this Agreement and fails to cure that breach within
forty-five (45) days (fifteen (15) days with regard to Client's payment
obligations) after receiving written notice of the breach, or (b) as provided
in Section 11.5.

     6.3       TERMINATION DURING ANY RENEWAL TERM. During any Renewal Term,
Client may terminate this Agreement for any reason upon at least sixty (60)
days prior written notice to Equifax Secure provided that Client pays Equifax
Secure the Monthly Minimum during the sixty (60) day period.

     6.4       EFFECTS OF TERMINATION.  Upon expiration or termination of this
Agreement for any reason: (a) all license rights granted in this Agreement will
terminate, (b) Client will promptly pay the final invoice from Equifax Secure
for all amounts accrued as of the date of such termination, and (c) each party
will remove the other party's content and Marks from their servers. Sections
3.6, 4.2, 4.3, 4.5, 5.4, 6.4, 7, 8, 9, 11, and Section 3B of Exhibit B, will
survive expiration or termination of this Agreement. Neither party will be
liable to the other party for any costs or damages of any kind, including
direct, indirect, incidental, special, multiple, punitive, exemplary or
consequential damages, or for indemnification of the party, solely on account of
the rightful termination of this Agreement, even if informed of the possibility
of such damages.

7.   INDEMNITY.

     7.1.      MUTUAL INDEMNIFICATION. Each party (the "Indemnifying Party")
will indemnify and hold harmless the other party, including, but not limited to
such party's officers, employees, directors, agents, successors and assigns,
(the "Indemnified Parties") against any and all damages, losses, costs and
expenses, which the Indemnified Parties pay to third parties with respect to
claims by such third parties based on the Indemnifying Party's gross negligence
or willful misconduct. The Indemnified Party will also indemnify and hold
harmless the Indemnified Parties from reasonable attorney's fees and expenses
incurred by them in the event the Indemnifying Party does not assume the defense
of such claims in accordance with Section 7.4.
<PAGE>

     7.2. CLIENT INDEMNIFICATION. Client will indemnify and hold harmless
Equifax Secure including, but not limited to, its officers, employees,
directors, agents, successors and assigns (the "Equifax Secure Indemnitees"),
against any and all damages, losses, costs and expenses, which the Equifax
Secure Indemnitees pay to third parties with respect to claims by such third
parties based on (i) Client Content, (ii) Client's breach of Section 10, (iii)
Client's use of the Authentication Services (except if such claim is caused by a
breach of this Agreement by Equifax Secure) or the operation or the conduct of
Client's business, or (iv) Equifax Secure's transfer and/or presentment of data
and/or information to third parties as specified by Client in the
Specifications. Client will also indemnify and hold harmless the Equifax Secure
Indemnitees from reasonable attorney's fees and expenses incurred by them in the
event that Client does not assume the defense of such claims in accordance with
Section 7.4.

     7.3. EQUIFAX SECURE INDEMNIFICATION. Equifax Secure will indemnify and hold
harmless Client including, but not limited to, its officers, employees,
directors, agents, successors and assigns (the "Client Indemnitees"), against
any and all damages, losses, costs and expenses, which the Client Indemnitees
pay to third parties with respect to claims by such third parties based on (i)
the Equifax Secure Content, (ii) the Equifax Secure Software or (iii) Equifax
Secure's breach of Section 10. Equifax Secure will also indemnify and hold
harmless Client from reasonable attorney's fees and expenses incurred by them in
the event that Equifax Secure does not assume the defense of such claims in
accordance with Section 7.4.

     7.4. CONDITIONS. The indemnified party covenants to (i) give the
indemnifying party prompt notice of the relevant claim, (ii) cooperate with the
indemnifying party, at the indemnifying party's expense, in the defense of such
claim, and (iii) give the indemnifying party the right to control the defense
and settlement of any such claim, except that the indemnifying party will not
enter into any settlement that involves a remedy other than the payment of money
by the indemnifying party without the indemnified party's prior written approval
which shall not be unreasonably withheld. The indemnified party will have the
right to participate in the defense at its expense.

8.   LIABILITY LIMITS. Neither party will be liable to the other party or any
third party for any special, exemplary, punitive, indirect, multiple, incidental
or consequential damages arising out of or in connection with this Agreement
whether based in contract, tort (including, without limitation, negligence) or
on any other legal or equitable grounds.

Except for the fees and expenses payable by Client to Equifax Secure (including,
without limitation, the Monthly Minimums), in no event will either party be
liable to the other party in the aggregate with respect to any and all breaches
and defaults under this Agreement for an amount greater than the fees paid by
Client to Equifax Secure during the six (6) month period preceding a claim
giving rise to such liability.

The limitations of liability set forth in this Section 8 shall not apply in the
event of a claim by either party under Sections 7 or 9.

9.   CONFIDENTIAL INFORMATION. A party's "Confidential Information" is defined
as any confidential or proprietary information of a party which is disclosed to
the other party and is treated as secret by the disclosing party. Each party
will protect the other party's Confidential Information with at least the same
level of care that it uses to protect its own information of a similar nature,
but in no event less than a reasonable standard of care, and will not disclose
the Confidential Information to third parties nor use the other party's
Confidential Information for any purpose other than as required to perform under
this Agreement. Notwithstanding the foregoing, either party may disclose the
other party's Confidential Information to its Affiliates and/or subcontractors
who have a need to know such Confidential Information and who agree to observe
and abide by the confidentiality obligations under this Agreement. Confidential
Information does not include information which (a) is already known by the
recipient, (b) becomes, through no act or fault of the recipient, publicly known
or available, (c) is received by recipient from a third party without a
restriction on disclosure or use, or (d) is independently developed by recipient
without reference to the Confidential Information. The restrictions on the
disclosure of the Confidential Information will not apply to Confidential
Information which is required to be disclosed by a court or government agency;
however, the party obligated to disclose the other party's Confidential
Information in those circumstances will promptly notify the other party so that
party may seek a protective order and will make a reasonable effort itself to
obtain a protective order for or otherwise protect the Confidential Information.
The parties' confidentiality obligations under this Section 9 will

                                       6
<PAGE>
continue indefinitely for so long as the Confidential Information is a trade
secret under applicable law and will continue with regard to the Confidential
Information which does not rise to the level of a trade secret for the earlier
to occur of (y) the information no longer qualifies as Confidential
Information, or (z) two (2) years following the termination of this Agreement.

Each party acknowledges that breach of this Section 9 could cause irreparable
harm to the other party for which monetary damages may be difficult to
ascertain or an inadequate remedy. Each party therefore agrees that the
disclosing party may, in addition to any other rights and remedies, seek
injunctive relief for any threatened of actual violation or breach of this
Section 9.

10.      COMPLIANCE.

         10.1.    WITH LAWS. At its own expense, Equifax Secure will comply with
all applicable laws and regulations regarding the performance of the
Authentication Services. At its own expense, Client will comply with all
applicable laws and regulations regarding the use and receipt of the
Authentication Services. Client acknowledges and agrees that in order to comply
with certain state and federal laws and regulations that Client (i) must obtain
the User's consent prior to Equifax Secure gaining access to the User's consumer
report and (ii) comply in all respects to the requirements of a user of consumer
reports under the Fair Credit Reporting Act.

         10.2.    MANUAL VERIFICATION. Client acknowledges and agrees that
Client must provide or have provided on its behalf a manual verification
process in the event the User does not receive a score above the scoring
threshold as defined by Client or Client receives a flag (indicating a possible
match) from a fraud detection database.

         10.3.    CERTIFICATION. Client hereby certifies that Equifax Secure,
on behalf of Client, and Client are obtaining the User's consumer report (or
information contained therein) for the purpose of verifying the identity of a
User in connection with a transaction (as defined in Exhibit B) initiated by
the User, and that Client will not use such consumer report (or information
contained therein) for any other purpose.

11.      GENERAL.

         11.1.    GOVERNING LAW. This Agreement will be governed and construed
in accordance with the substantive laws of the State of Georgia.

         11.1.    DISPUTE RESOLUTION. Any dispute regarding this Agreement will
be resolved as specified in this subsection. Upon the written request of either
party, each party will appoint a designated representative (who may not be a
service manager) to try to resolve such dispute. Such representatives will
negotiate in good faith to try to resolve the dispute. If the representatives do
not resolve the dispute within ten (10) days after the date a party requested
the appointment of representatives, then the parties will try in good faith to
resolve the dispute by mediation under the Commercial Mediation Rules of the
American Arbitration Association. If the dispute is not resolved by such
mediation within thirty (30) days after the date a party requested the
appointment of representatives, then a party may initiate court proceedings. The
parties' representatives may mutually agree to adjust the time periods stated in
this subsection. Notwithstanding any other provision of this subsection, either
party may initiate court proceedings for injunctive or other equitable relief at
any time if the procedure set forth in this subsection could result in
irreparable injury due to delay.

         11.3     SEVERABILITY; HEADINGS. If any provision in this Agreement is
held to be invalid or unenforceable for any reason, the remaining provisions
will continue in full force without being impaired or invalidated in any way.
The parties agree to replace any invalid provision with a valid provision that
most closely approximates the intent and economic effect of the invalid
provision. Headings are for reference purposes only and in no way define,
limit, construe or describe the scope or extent of such section.

         11.4     PUBLICITY. Neither party will issue any press release or
similar publicity statement (except as permitted under Section 4.4) regarding
this Agreement without the prior approval of both parties (not to be
unreasonably withheld) or as required by law.

                                       7

<PAGE>

     11.5.     FORCE MAJEURE. Except as otherwise provided, if performance
under this Agreement is interfered with by any condition beyond a party's
reasonable control, the affected party, upon giving prompt notice to the other
party, will be excused from such performance to the extent of such condition.
Force majeure includes the other party's failure to perform its obligations
under this Agreement in a timely manner due to conditions that affect the
Internet. In the event a force majeure (other than Client's failure to perform)
interferes with Equifax Secure's performance of the Authentication Service, (a)
Equifax Secure will immediately take commercially reasonable steps to mitigate
the force majeure as quickly as commercially reasonable to do so, and (b) if
such force majeure continues for ninety (90) or more days, Client at its sole
option may immediately terminate this Agreement.

     11.6.     INDEPENDENT CONTRACTORS. The parties are independent
contractors, and no agency, partnership, joint venture, employee-employer or
franchisor-franchisee relationship is intended or created by this Agreement.
Neither party will make any warranties or representations on behalf of the
other party.

     11.7.     NOTICE. Any notices under this Agreement will be given to the
appropriate party at the address specified above or at such other address as
the party will specify in writing. Notice will be deemed given: upon personal
delivery; if sent by fax, upon confirmation of receipt; or if sent by a
reputable overnight courier with tracing capabilities, one (1) day after the
date of mailing. Each party may also provide the other party notice via e-mail
to the e-mail address provided by such party. Notice will be deemed given by
e-mail twenty-four hours after delivery of such e-mail; provided, that the
party providing notice has received a confirmation of delivery of such e-mail.

     11.8.     ASSIGNMENT. Neither party may assign this Agreement in whole or
in part without the prior written consent of the other party; provided,
however, that either party may assign this Agreement to an Affiliate.

     11.9.     NO THIRD PARTY BENEFICIARIES. There are no third party
beneficiaries of this Agreement.

     11.10.    ENTIRE AGREEMENT; WAIVER. This Agreement (including its
Exhibits) sets forth the entire understanding and agreement of the parties, and
supersede any and all oral or written agreements or understandings between the
parties, as to the subject matter of such Agreements. It may be changed only by
a writing signed by both parties. The waiver of a breach of any provision of
this Agreement will not operate or be interpreted as a waiver of any other or
subsequent breach.

     11.11.    COUNTERPARTS. This Agreement may be executed in one or more
counterparts, each of which will be deemed an original and all of which will be
taken together and deemed to be one instrument.

<Table>
<S>                                                    <C>
INTERSECTIONS INC.                                     EQUIFAX SECURE, INC.:

By: __________________________________________         By: ___________________________________________

Name: Stefan T. Midford ______________________         Name: _________________________________________

Title: Chief Operations Officer ______________         Title: ________________________________________
</Table>

                                       8
<PAGE>
                                   EXHIBIT A
                                  DEFINITIONS

     A.   "AFFILIATES" means with respect to any person or entity, any other
person or any now existing or future entity that directly or indirectly through
one or more intermediaries, controls, is controlled by or is under common
control with such person or entity.

     B.   "AUTHENTICATION SERVICES" means the authentication of Users according
to this Agreement and the Specifications.

     C.   "CLIENT CONSENT" means all content or information (including without
limitation any text, music, sound, photographs, video, graphics, data or
software), in any medium, provided by Client to Equifax Secure for use on the
Equifax Secure Pages.

     D.   "CLIENT MARKS"  means all domain names, trademarks and logos
designated by Client for Equifax Secure's use in conjunction with Equifax
Secure's performance under this agreement.

     E.   "CLIENT PAGES" means the pages related to the Authentication Services
which Client hosts.

     F.   "DOMAIN NAME" will have the meaning ascribed to such term in the
Specifications.

     G.   "EQUIFAX SECURE CONTENT" means all content or information (including
without limitation any text, music, sound, photographs, video, graphics, data or
software), in any medium, displayed on the Equifax Secure Pages, other than
Client Content.

     H.   "EQUIFAX SECURE DATABASES" means the databases Equifax Secure
maintains or accesses during the performance of the Authentication Services
which exist prior to each User's use of the Equifax Secure Pages. Equifax
Secure Databases does not include the databases which are created by Equifax
Secure with User Information or otherwise as a result of the User's use of the
Equifax Secure Pages.

     I.   "EQUIFAX SECURE MARKS" means all domain names, trademarks and logos
designated by Equifax Secure for Client's use in conjunction with Client's
performance under this Agreement.

     J.   "EQUIFAX SECURE PAGES" means the pages related to the Authentication
Services which Equifax Secure hosts.

     K.   "EQUIFAX SECURE SOFTWARE" means any software provided by Equifax
Secure to Client which is necessary for the Client to communicate with Equifax
Secure and receive and/or use the Authentication Services.

     L.   "INITIAL LAUNCH DATE"  means the earlier to occur of either (i) the
first day on which the Authentication Services are generally made available to
Users, (ii) sixty (60) calendar days following the Testing Submission Date or
(iii) one hundred and twenty (120) calendar days after the Effective Date.

     M.   "INITIAL QUARTER" means the three (3) calendar month period
immediately after the Initial Launch Date.

     N.   "INITIAL TERM" will have the meaning ascribed to such term in
Section 6.1.

     O.   "MARKS" means the Client Marks or the Equifax Secure Marks, as
applicable.

     P.   "MONTHLY MINIMUM" means the guaranteed monthly fee as described in
Exhibit B.

     Q.   "NEW RELEASE" means a new release of the Authentication Services by
Equifax Secure that is made generally available to the Equifax Secure
customers. A New Release does not include any configuration details or
specification modifications that are specific to a single Equifax Secure
customer.

     R.   "RENEWAL TERM" will have the meaning ascribed to such term in
Section 6.1.
<PAGE>
     S.   "SPECIFICATIONS" will have the meaning ascribed to such term in
Section 2.1, as such document may be modified or updated from time to time by
the mutual agreement of the parties.

     T.   "STAGING ENVIRONMENT" means the site where Equifax Secure Pages are
made available for Client's review and testing prior to being made publicly
available.

     U.   "TERM" will have the meaning ascribed to such term in Section 6.1.

     V.   "TRANSACTION FEE" will have the meaning ascribed to such term in
Exhibit B.

     W.   "USER INFORMATION" means any information or data about Users (i)
provided by Client or the User to Equifax Secure, (ii) otherwise collected from
Users' use of the Equifax Secure Pages, or (iii) otherwise collected by Equifax
Secure in the manual verification process. Notwithstanding the foregoing, User
Information does not include information regarding the User already in the
possession of Equifax Secure prior to being input by and collected from the
User, in which case Equifax Secure either already owns, or has separately
acquired rights in such information.

<PAGE>
                                   EXHIBIT B
                                ADDITIONAL TERMS

     **

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

<PAGE>
                                   EXHIBIT C
                             PERFORMANCE STANDARDS

A.   AVAILABILITY. **

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

B.   RESPONSE TIME. **

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

C.   BANDWIDTH. **

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

D.   SECURITY. **

E. ERROR CORRECTION. **

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

F.   BROWSER COMPATIBILITY.   The Equifax Secure Pages will initially be
compatible with Netscape Navigator 3.X and 4.X, Microsoft Internet Explorer 3.X,
4.X and 5X and AOL 5.X (so long as such browsers can handle at least 128 bit
encryption or are capable of being stepped-up to permit 128 bit encryption).
Client may request that additional versions of a browser or additional browsers
be added to the list that Equifax Secure supports. Equifax Secure generally will
support only widely used and industry compliant browsers with industry best
practices. If Equifax Secure support is deemed appropriate, at Equifax Secure's
sole discretion, Equifax Secure will determine the level of effort to provide
this support and provide Client an estimate of the development time and expense.
Equifax Secure reserves the right to terminate technology with 90 days notice
that is deemed to be commercially inappropriate.

G.   CUSTOMER SUPPORT.   Equifax Secure will provide no direct support or
technical support to the Users. Client will provide Level 1 Support to the
Users. Equifax Secure, or a third party on its behalf, will provide Level 2
Support and Level 3 Support solely to Client approved contacts relative to
unscheduled outages. Client approved contacts may obtain Level 2 and Level 3
Support by dialing the help desk number (888-407-0359 or such other number that
Equifax Secure may provide from time to time) 7 days a week, 365 days per year.
All support personnel will have access to Client technical specifications and
application profiles. See Error Correction for response times by severity level.

     LEVEL 1 SUPPORT:    Client shall provide Level 1 Support to Users. In no
event will Equifax Secure provide such support. Level 1 Support includes all
questions/comments/troubleshooting directly with the User.

     LEVEL 2 SUPPORT:    Level 2 Support may include but is not limited to the
following: diagnosing the problem with the Client based on its application;
diagnosing system down/not responding/slow; call routing and ticketing for
support (deciding where the problem lies, whether it be application or
network); proactive Client notification when the system is down; and/or
monitoring.

     LEVEL 3 SUPPORT:    Level 3 Support may include but is not limited to the
following: diagnosing whether the problem is a system problem or a product
problem; assisting when there is technical difficulty with the site (when the
server is not responding or is down); and/or dealing with back-end
reconciliation file problems and data delivery. This level of support will have
server access and reboot capabilities.

H.   REMEDIES.      Client's sole and exclusive remedy for Equifax Secure's
failure to meet the Performance Standards of this Exhibit C, is to terminate
the Agreement in accordance with Section 6.2 of the Agreement and the
applicable cure periods therein.

<PAGE>

                                   EXHIBIT D
                                 SPECIFICATIONS

<PAGE>
                                   EXHIBIT E
                                    REPORTS

Equifax Secure will provide the following information as part of its invoice
regarding the User's which access the Authentication Services:

<Caption>
<Table>

<S>  <C>                      <C>
-    Transaction Date         Date the User accessed the Authentication Services
-    Transaction Time         Time the User accessed the Authentication Services
-    User Name                The name of the User
-    Service Code             Price Code: A, B, C, D
-    Zip Code                 The zip code of the User
-    State                    The state in which the zip code is located

</Table>

<PAGE>
                                   EXHIBIT D

                     Equifax Internet Security Requirements
                              (North America only)

Equifax has a duty to protect the confidentiality and security of any consumer
report information or other nonpublic consumer information ("Consumer
Information") it provides to its customers (the "Customers"). In addition,
Equifax seeks to protect its proprietary information including subscriber codes,
account information, and all other nonpublic business information ("Proprietary
Information") (Consumer Information and Proprietary Information being referred
to cumulatively as "Equifax Information"). In order to discharge these
responsibilities, Equifax must obtain from its Customers complete information on
systems, applications, processes, and entities involved in the transmission of
Equifax information. Equifax requires a complete description of the intended
use, resale, or transmission of the Consumer Information by a Customer. This
document sets forth the policies and requirements of Equifax for Customers to
access, obtain, repackage, and distribute Equifax Information over the World
Wide Web (herein, the "Internet"). These requirements are in addition to
standard Equifax contractual terms and conditions, which must be fulfilled by
any prospective Customer.

1.   Terms of Delivery:**

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

<PAGE>

2.   Data Security **

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

3.   NETWORK TOPOLOGY **

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

                                                                               3

<PAGE>

 4.  END-USER AUTHENTICATION **

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

                                                                               4

<PAGE>

5.   END-USER VERIFICATION **

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

                                                                               5

<PAGE>

6.   NETWORK SECURITY CERTIFICATION **

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

7.   COMPLIANCE

     a. The customer agrees to comply with these Internet Security Requirements
        at all times.

     b. A breach of security or other circumstance which causes or may have
        caused or allowed, access to Equifax Information by unauthorized persons
        or systems, whether intentional, fraudulent, or accidental, must be
        reported to Equifax as

                                                                               6

<PAGE>
     soon as possible and, in any case, not later than one (1) business day
after discovery.

8.   LIABILITY

The Customer shall assume all liability for the use and/or resale of Consumer
Information and its delivery via the Internet, and shall hold Equifax harmless
from all such liability.

9.   APPROVAL OF EXCEPTIONS

Equifax must approve, in writing, any variance from these Internet Security
Requirements.

10.  MODIFICATIONS

Equifax retains the right to update of modify, from time to time, these
Internet Security Requirements. If Equifax updates or modifies these Internet
Security Requirements, Equifax will require that the Customer conform its
systems, applications, processes or procedures to comply with the update or
modification within a reasonable time period, having regard to all relevant
security and legal concerns, as may be determined in the discretion of the
Equifax Group Executive, reasonably exercised.

11.  DISCLAIMER

Compliance by the Customer with these Internet Security Requirements shall not
relieve the Customer of the obligation to observe any other or further
contractual, legal, or regulatory requirements, rules or terms, nor shall
Equifax's review or approval of any of Customer's systems, applications,
processes, or procedures constitute or be deemed to constitute the assumption
by Equifax of any responsibility or liability for compliance by the Customer
with any contractual, legal, or regulatory requirements, rules, or terms.
Customer shall remain solely responsible for the security of its system, the
security of all Equifax Information received by it from Equifax, and for any
breach of that security. Equifax retains the right, in its sole discretion, to
withhold approval of Internet access to Equifax Information for any reason.
Equifax may suspend or terminate access to the Equifax Information at any time
if Equifax has reason to believe that Customer, an Intermediary, or a business
End-User has violated any of these Internet Security Requirements or any
contractual, legal, or regulatory requirements, rules or terms.

                                                                               7
<PAGE>
                                   EXHIBIT E

     For the Intersections enrollment process, FCRA disclosure verbiage is as
follows:

CUSTOMERS MUST CLICK ON A CHECKBOX WITH TEXT AS FOLLOWS:

     [X] Yes! Please enroll me in the Identity Guard service(s) indicated
above. Please note: Your privacy is important to us. Click here to view the
Intersections Inc. Privacy Policy.

SCROLL BOX CONTAINS THE FOLLOWING FCRA DISCLOSURE

     Legal Information

     The Federal Fair Credit Reporting Act protects consumers by governing how
     consumer credit reports can be obtained and used. It authorizes you to
     obtain a copy of your credit report from any credit reporting agency that
     maintains one for a reasonable charge. You are entitled to receive a
     disclosure directly from the consumer reporting agency free of charge under
     the following circumstances: you have been denied credit, insurance or
     employment within the past sixty (60) days as a result of your credit
     report; you certify in writing that you are unemployed and intend to apply
     for employment in the 60-day period beginning on the date on which you made
     the certification; you are a recipient of public welfare assistance; you
     have reason to believe that your file at the agency contains inaccurate
     information due to fraud.

     Otherwise, the consumer reporting agency may impose a reasonable charge for
     the disclosure. In addition, the Act allows you to dispute inaccurate
     details in your credit report, although accurate derogatory information
     remains on your files for the period of time provided by law.

     NOTICE TO ILLINOIS RESIDENTS: MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR
     AT A NOMINAL COST FROM GOVERNMENT AGENCIES. CREDIT REPORTING AGENCIES ARE
     REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR CREDIT RECORD UPON REQUEST, AT
     NO CHARGE OR FOR A NOMINAL FEE.

     MA, VT, CO, MD and NJ permit consumers to obtain one credit report per
     credit reporting agency per year, free of charge.

     GA permits consumers to obtain two credit reports per credit reporting
     agency per year, free of charge.

CUSTOMERS MUST CLICK ON A SUBMIT BUTTON THAT IS PRECEDED BY THE FOLLOWING TEXT:

     Please make sure the information you have entered is accurate and complete.
     Then click Submit.

     By clicking Submit I request, authorize and provide my written instructions
     for Intersections Inc., provider of this service, to obtain and compile my
     credit report and/or monitor my credit file(s) at the credit bureau(s). I
     acknowledge that the service is a web based product and I agree to the
     electronic delivery or the service. I understand that Intersections Inc.
     cannot accept authorization from any person other than the individual
     joining the service and confirm that I am requesting my own personal
     information and no other. I acknowledge that, to ensure continuous service,
     my membership will be automatically renewed at the then current rate unless
     I tell you to cancel. I understand that Intersections Inc. is authorized
     under contract with the credit bureau(s) to serve the informational needs
     of consumers and assumes no liability for information contained in bureau
     files. I confirm that I am at least 18 years of age.

     Note: We cannot process your order without your authorization.
<PAGE>

           SECOND ADDENDUM TO AGREEMENT - CONSUMER DISCLOSURE SERVICE

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

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

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

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

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

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

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

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

<PAGE>
1.  EXCLUSIVITY.

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

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

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

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

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

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

2.  SERVICES.

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

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

<PAGE>

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

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

         Credit Report Pull                    $ **   per pull

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

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

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

4.  DEFINITIONS. The following definitions shall apply:

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

5.  TERM AND TERMINATION.

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

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

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

<PAGE>

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

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

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

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

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

<PAGE>

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

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

By:__________________________                 By:__________________________

Name:________________________                 Name:________________________

Title:_______________________                 Title:_______________________

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

By:__________________________                 By:__________________________

Name:________________________                 Name:________________________

Title:_______________________                 Title:_______________________

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