Document:

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                                                                   Exhibit 10.29

                               REFERRAL AGREEMENT

This REFERRAL AGREEMENT ("Agreement") is made on this 13th day of December,
1999 ("Effective Date") by and between NOVA Information Systems, Inc. ("NOVA"),
and Towne Services, Inc. ("Company").

                                    RECITALS

NOVA is engaged in the business of providing credit and debit card transaction
processing services to merchants ("Program"). Company desires to refer its'
customers to NOVA for such services. Therefore, the parties agree as follows:

                              TERMS AND CONDITIONS

1.   COMPANY RESPONSIBILITIES. Company will:

     A.    MARKETING. Use its best efforts to market NOVA's Program to its
           customers and make information provided by NOVA concerning the
           Program readily available to its customers. Company will maintain
           promotional material, provided by NOVA, to be distributed to its
           customers.

     B.    REFERRAL. Refer customers inquiring of Company about credit and/or
           debit card processing services to NOVA. Company will forward the
           name, address and telephone number of each such customer to NOVA.
           Company acknowledges and agrees that NOVA may, within its sole
           discretion, refer customers engaged in certain types of businesses to
           an alternative provider of processing services.

2.   NOVA RESPONSIBILITIES. During the term of this Agreement, NOVA will:

     A.    FOLLOW LEADS. NOVA will follow all leads with a phone call to the
           prospective merchant within 72 hours of receipt of the referral.

     B.    APPLICATION. Assist prospective merchants in completing required
           merchant application materials.

     C.    REVIEW. NOVA, in its' sole discretion, may accept or reject a
           prospective merchant based on criteria NOVA deems prudent as part of
           the Program, and approval and review of merchants will be solely
           controlled by NOVA. Company understands and agrees that prospective
           merchants will be permitted to participate in the Program only after:
           (A) NOVA's approval of the merchant application, and (B) merchant's
           execution of a Merchant Processing Agreement by and among the
           merchant, NOVA, and a financial institution selected by NOVA to
           provide settling and clearing of transactions.

     D.    FEES. Pay Company .24% of net monthly processed Visa/MasterCard sales
           volume + $.05/item for core services merchants referred to NOVA and
           .54% of net monthly processed Visa/MasterCard Sales volume plus
           $.05/item for non-core services merchants that Company refers to NOVA
           and NOVA approves as a Program merchant ("Referral Fee"). Such
           Referral Fees will be paid monthly. Referral Fee amount is
           predicated upon pricing described in Schedule A.
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3.   TERM AND TERMINATION.

     A.   Term. This Agreement will become effective on the Effective Date, will
          remain in effect for three (3) years ("Initial Term") and will
          automatically renew for successive one (1) year periods ("Renewal
          Term") until terminated pursuant to this Section.

     B.   Automatic Termination. This Agreement will terminate automatically and
          immediately if any of the credit card associations (i.e., Visa U.S.A.
          Inc. or MasterCard International Incorporated) prohibits NOVA from
          providing credit and debit card processing services.

     C.   Termination Without Cause. Either party may terminate this Agreement
          effective at the end of the Initial or any Renewal Term upon written
          notice given at least ninety (90) days before the end of the term.

     D.   Termination With Cause. Either party may terminate this Agreement by
          written notice upon the occurrence of an Event of Default.

     E.   Event of Default. Each of the following occurrences will constitute an
          Event of Default under this Agreement:

       i)      Financial Instability. Either party: (i) files for bankruptcy,
               receivership, insolvency, reorganization, dissolution,
               liquidation or any similar proceeding; (ii) has a proceeding
               instituted against it and such proceeding is not dismissed within
               sixty (60) days; (iii) makes an assignment for the benefit of its
               creditors or an offer of settlement, extension or composition to
               its creditors generally; or (iv) a trustee, conservator, receiver
               or similar fiduciary is appointed for that party or substantially
               all of such party's assets.

       ii)     False Representation. Any representation or warranty made by
               Company or any of its employees, officers, or directors proves to
               have been false or misleading in any material respect as of the
               date made, or becomes false or misleading at any time.

       iii)    Breach. Either party fails to observe any material obligation
               specified in this Agreement, and such failure is not cured within
               thirty (30) days of receipt of written notice thereof from the
               non-breaching party. Notwithstanding the previous sentence, the
               fourth such breach automatically will be deemed an Event of
               Default without the opportunity to cure.

       iv)     Company Action. Company: (i) operates in an unsound, unsafe
               manner; or (iii) engages in activities which may impose financial
               risk to NOVA, or which result in undue economic hardship and/or
               damage to the goodwill of NOVA.

       v)      Company Business. The occurrence of any material adverse change
               in the nature or conduct of Company's business as it exists on
               the Effective Date.

     F.   Certain Post-Termination Rights. No termination of this Agreement will
          affect any right of NOVA under any Merchant Processing Agreement. All
          Referral Fee payments will cease upon termination of this Agreement.

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4.   CONFIDENTIALITY AND USE OF NAMES.

     A.   Confidentiality.  Company and NOVA each agree that it will not use for
          its own purposes, will not disclose to any third party, and will
          retain in strictest confidence all information and data belonging to
          or relating to the business of the other (including without limitation
          the terms of this Agreement and information related to the Program or
          merchants), and that each party will safeguard such information and
          data by using the same degree of care that it uses to protect its own
          confidential information. No party will be obligated to maintain the
          confidentiality of information it is required to reveal in performing
          its obligations under this Agreement.

     B.   Remedy.  In the event of a breach of this Article IV, the parties
          agree that the non-breaching party will suffer irreparable harm, and
          that the amount of monetary damages would be impossible to calculate.
          Thus, the non-breaching party will be entitled to injunctive relief in
          addition to any other rights to which the non-breaching party may be
          entitled, without the necessity of proof of actual damages.

     C.   Other Agreements.  Any non-disclosure or confidentiality agreement
          separately entered into between Company and NOVA will not be
          superseded by this Article IV, and will remain in full force and
          effect.

     D.   Use of Names.  Company will not use NOVA's name or trademarks in any
          promotional or marketing materials, nor will Company promote any of
          NOVA's programs or services in any way, without NOVA's prior written
          consent. Company will obtain NOVA's written consent before Company
          produces or distributes any materials relating to the Program. Company
          acknowledges and agrees that it has no rights to use NOVA's trademarks
          and service marks without NOVA's prior written consent.

5.   INDEMNIFICATION AND LIMITATION OF LIABILITY.

     A.   Indemnification.  Company will indemnify and hold NOVA harmless from
          and against any and all claims, losses (financial or otherwise),
          damages, liabilities, costs, fees, increased taxes or expenses
          (including without limitation, court costs and reasonable attorneys'
          fees), which may be incurred or which may be claimed by any person or
          as a result of acts or omissions of Company, its directors, officers,
          employees or agents relating to the exercise of, or the failure to
          exercise, Company's obligations under this Agreement. NOVA will
          indemnify and hold Company harmless from and against any and all
          claims, losses (financial or otherwise), damages, liabilities, costs,
          fees, increased taxes or expenses (including without limitation, court
          costs and reasonable attorneys' fees), which may be incurred or which
          may be claimed by any person or as a result of acts or omissions of
          NOVA, its directors, officers, employees or agents relating to the
          exercise of, or the failure to exercise, NOVA's obligations under this
          Agreement.

     B.   Limitation of Liability.  The liability, if any, of NOVA under this
          Agreement for any claims, costs, damages, losses and expenses for
          which they are or may be legally liable, whether arising in negligence
          or other tort, contract, or otherwise, will not exceed in the
          aggregate the amount of referral fees paid to Company during the
          preceding twelve (12) month period. In no event will NOVA or its
          agents, servants, representatives or employees be liable for indirect,
          special, consequential, punitive, or exemplary damages. Neither party
          will be liable to the other for any failure or delay in its
          performance of this Agreement in accordance with its terms if such
          failure or delay arises out of causes beyond the control and without
          the fault or negligence of such party

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6.   MISCELLANEOUS.

     A.   General. Company may not assign this Agreement without the prior
          written consent of NOVA and any unauthorized attempted assignment will
          be null and void. This Agreement (other than any separate agreement
          concerning confidentiality or non-disclosure) sets forth the entire
          understanding of the parties relating to its subject matter,and all
          other understandings, written or oral, are superseded. Except as
          otherwise provided in this Agreement, this Agreement may not be
          amended except in a writing executed by all parties. If any provision
          of this Agreement is illegal,the invalidity of that provision will not
          affect any of the remaining provisions, and this Agreement will be
          construed as if the illegal provision is not contained in the
          Agreement. This Agreement will be deemed modified to the extent
          necessary to render enforceable the terms hereunder. No failure or
          delay on the part of any party in exercising any right under this
          Agreement will operate as a waiver of that right, nor will any single
          or partial exercise of any right precede any further exercise of that
          right. This Agreement is made in Georgia, and will be construed in
          accordance with the laws of Georgia without regard to the principles
          of conflicts of law.

     B.   Notices. All communications under this Agreement will be in writing
          and will be delivered in person or by mail courier, return receipt
          requested, addressed as follows: if to Company: Bauer F. Lowthers,
          CFO. If to NOVA: NOVA Information Systems, Inc., One Concourse
          Parkway, Suite 300, Atlanta,Georgia 30328, Attn: Barbara L. Kuhn, with
          a copy to General Counsel at the same address. The parties may, from
          time to time, designate different persons or addresses to which
          subsequent communications will be sent by sending a notice of such
          designations in accordance with this Section.

     C.   Survival. All agreements that by their context are intended to survive
          the termination of this Agreement, including, but not limited to, the
          confidentiality provisions of Article IV, the post-termination rights
          of Article III, the liability and indemnification provisions of
          Article VI, the attorney's fee provision and the dispute resolution
          provisions of Article VI, will survive termination of this Agreement.

     D.   Dispute Resolution. Any dispute or claim arising out of, or in
          connection with this Agreement will be settled by final and binding
          arbitration to be held in Atlanta, Georgia in accordance with the
          relevant rules of the American Arbitration Association ("AAA").
          Judgment upon award rendered by the arbitrators may be entered in any
          court having jurisdiction over: the award, the party against whom
          enforcement is sought, or that party's assets. The procedures and law
          applicable during the arbitration will be both the AAA rules and
          internal substantive laws of Georgia (excluding any rules regarding
          conflicts of the law). In such arbitration, the award of decision will
          be rendered by at least a majority of the members of an arbitration
          panel consisting of three (3) members, one (1) of whom will be
          appointed by each of the parties hereto and the third appointed by the
          other two (2) so-appointed arbitrators. All arbitrators will be
          persons who are not employees, agents or former employees or agents of
          any party. In the event that any party fails to appoint an arbitrator
          within 30 days after submission of the dispute to arbitration, such
          arbitrator will be appointed by the AAA.

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     E.   Attorney's Fees. Each party shall bear its own costs and expenses,
          including attorney's fees, incurred in enforcing the provisions  of
          this Agreement.

NOVA INFORMATION SYSTEMS, INC.          TOWNE SERVICES, INC.

By: /s/ Karen A. Murphy                 By: /s/ Bruce F. Lowther
-----------------------------           -------------------------------
Name: Karen A. Murphy                   Name: Bruce F. Lowther
Title: Director - Alliance Sales        Title: CFO

                                       5<PAGE>   1
                                                                   Exhibit 10.30
                                TRANS UNION LLC
                           BUSINESS INFORMATION GROUP
                            MASTER LICENSE AGREEMENT

     This AGREEMENT (the "Agreement") is made and entered into as of 12-15-99,
1999 ("Effective Date"), by and between TRANS UNION LLC ("TU") with its
principal place of business at 555 West Adams, Chicago, Illinois 60661, and
TOWNE SERVICES, INC, a GEORGIA corporation ("Customer") with its principal place
of business at 3950 JOHNS CREEK CT, #100, SUWANEE, GA 30024.

     WHEREAS, the Business Information Group of TU ("BIG") maintains a database
with certain business and executive records that possess certain characteristics
and qualities; and

     WHEREAS, TU offers licenses for products derived from such database
("Products"); and

     WHEREAS, Customer desires to order and utilize certain Products.

     NOW, THEREFORE, in consideration of the foregoing and the promises and
mutual covenants hereinafter set forth, the parties hereto agree as follows:

1.   RECITALS.  The recitals set forth above are an integral part of this
     Agreement and are hereby incorporated into this Agreement.

2.   PRODUCTS.  From time to time, BIG shall provide Products to Customer. Such
     Products shall be those among those Products described in the listing,
     attached hereto and incorporated herein, entitled "Schedule 1, Product
     List," (the "Schedule") and pursuant to, and in accordance with, the terms
     and conditions of this Agreement. Customer may not receive any product,
     data or other information from TU under this Agreement other than described
     in the Schedule.

3.   ORDERS AND DELIVERY.

3.1  When Customer desires to order Products, Customer, and/or TU, at the
     request of, Customer, shall prepare order specifications (the
     "Specifications") identifying such Products. The Specifications shall
     include all information necessary for TU and its agent or processor to
     deliver the Products to Customer. The Specifications shall be deemed
     accepted when signed by TU and Customer. All such Specifications shall be
     governed by the terms and conditions of this Agreement and are hereby
     automatically incorporated herein by reference. Customer may not change or
     cancel any Specifications after TU has accepted such Specifications, unless
     TU consents in writing to such change or cancellation, which consent may be
     withheld in TU's sole discretion. Moreover, in the event TU consents to a
     Specifications change, such change shall not, however, alter the payment
     terms of such Specifications unless explicitly agreed to in writing by TU.

3.2  TU shall provide the Products to Customer or Customer's third party
     processor ("Processor") using the media specified in the Specifications;
     provided such Processor has been approved by Trans Union and has executed
     an agreement for processing with TU. Customer shall so notify TU in writing
     in conjunction with each Specification as to whether Customer intends to so
     utilize Processor. Any specific dates for performance by TU are contingent
     upon TU's receipt of any materials Customer is to provide in the form and
     on the dates identified in the Specifications.

4.   LICENSE AND USE RESTRICTIONS.
4.1  Subject to the terms and conditions of this Agreement, for each such
     Product provided to Customer by TU, TU hereby grants to Customer a limited,
     non-exclusive, non-transferable license, to use such Product as set forth
     in the applicable specifications in the United States, its territories and
     possessions.

4.2  Unless the Specifications explicitly authorize multiple uses, Customer may
     use Products only once and exclusively in connection with a specific
     marketing application or single instance verification of information.
     Customer shall not resell, disclose, duplicate, transfer or otherwise
     reproduce any Products (or any list, compilation or other information
     derived from the Products) in whole or in part for any other purpose
     whatsoever. Without limiting the foregoing, Customer shall not use any
     Products supplied hereunder for list rental fulfillment or to select out
     names from the Products or other TU database(s) for Customer's own database
     or for resale.

     4.2.1  In the event a Specification explicitly authorizes multiple uses,
            then upon completion of the last use, or twelve (12) months from
            Customer's or Processor's receipt of the associated Product(s),
            whichever occurs first, Customer and Processor shall cease all use
            of such Products and shall return to TU all copies and updates
            thereto, as well as any computer files or output listings that
            contain any or all such Products or information derived from
            Products. The foregoing

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     notwithstanding, at TU's sole option, Customer may provide written
     certification signed by an officer of Customer that all such Products have
     been destroyed.

4.3  Under no circumstances shall Customer use the Products for the modeling of,
     or determination of, consumer credit worthiness or consumer credit
     approval. If Customer desires to perform consumer prescreens it shall first
     enter into another agreement between TU and Customer which expressly allows
     such use. Moreover, Customer shall not use the Products for the modeling
     of, or determination of, a consumer's eligibility for neither employment
     nor insurance. Customer shall not divulge the credit or demographic
     criteria used for any Product to any person, except employees of Customer
     who have a need to know such criteria. In the event Customer, breaches this
     clause, without limiting any other remedies available to TU, Customer
     recognizes the damages TU would suffer would be impossible to calculate,
     and that breach of this clause shall result in financial penalties of One
     Million Dollars ($1,000,000) payable by Customer to TU.

4.4  Customer warrants that it will use the Products in compliance with all
     applicable federal, state and local laws and regulations.

4.5  Customer shall not copy the Products, or any portion thereof, without TU's
     prior written consent, nor grant any other person or entity the right to do
     so. Moreover, Customer is not granted any ownership rights or title to the
     Product nor to any information contained in any and all such Products. TU
     reserves all rights not explicitly granted to Customer under this
     Agreement. Customer shall not attempt, directly or indirectly, to discover,
     reverse engineer, decompile, or disassemble the Products nor any
     confidential or proprietary criteria developed or used by TU relating to
     the Products.

4.6  Notwithstanding that Customer may receive, from TU, one or more Products
     via electronic technology now known or hereafter developed including, but
     not limited to, the Internet, in no event shall Customer, advertise,
     promote or distribute any Product or derivative of a Product via electronic
     technology, (regardless of whether such transmission vehicle is secured,
     non-secured, encrypted, or non-encrypted) now known or hereafter developed
     including, but not limited to, the Internet, without the prior written
     consent to TU.

4.7  In the event Customer uses a Processor, Customer shall ensure that it has a
     written agreement with each such Processor which is consistent with this
     Agreement including, but not limited to, incorporation, and applicability
     to each such Processor of the limited license and use rights granted to
     Customer herein and the protection of TU's confidential information. Such
     agreement shall also provide that TU is a third party beneficiary thereof,
     and is entitled to enforce such agreement directly against Processor. Such
     written agreement shall also require Processor to return the Products to TU
     and to purge the Products from all of such Processor's databases upon
     completion of the use of the Products.

4.8  Customer warrants that each of its employees and each of Processor's
     employees, selected by Customer or Processor, as applicable, to use
     Products, is or will be (prior to such use of Products) bound by an
     appropriate written agreement sufficient to ensure compliance with the
     provisions of this Agreement, including without limitation, the license
     grants set forth in this Agreement and the protection of TU's confidential
     information.

4.9  During the term of this Agreement and for a period of three (3) years
     thereafter, TU may audit Customer's and Processor's records which pertain
     to this Agreement, to ensure compliance with this Agreement, upon
     reasonable notice and during normal business hours, and may monitor the use
     of the Products by control means such as seeding. Upon TU's written
     request, Customer or Processor, as applicable, shall add a reasonable
     number of TU seed names to the Products.

5.   Term, Termination & Survival.

5.1  Term. This Agreement shall commence upon the Effective Date and shall be in
     effect until terminated as provided for below.

5.2  Termination.

     5.2.1     Either party may terminate this Agreement by providing the other
               party with thirty (30) days' prior written notice.

     5.2.2     Either party may terminate this Agreement for the other party's
               breach of any material provision of this Agreement; provided the
               nonbreaching party has provided the party in breach with written
               notice specifying such breach and the party in breach has failed
               to cure such breach thirty (30) days of receipt of such notice.
               The foregoing notwithstanding, without limiting any other
               remedies to which TU may be entitled. TU reserves the right to
               immediately terminate this Agreement if TU, in good faith,
               determines that (1) Customer, or any Processor violated any
               portion of Section 4 of this Agreement or that the requirements
               of any law have not been met;

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                (2) as a result of changes in laws, regulations or regulatory or
                judicial action, TU, in good faith believes that the
                requirements of any law or regulation will not be met; and (3)
                such termination is reasonable under the particular
                circumstances. TU shall promptly provide written notification to
                Customer of such action.

          5.2.3 Either party may terminate the Agreement, upon sixty (60) days'
                prior written notice to the other party, if (1) proceedings
                under bankruptcy or insolvency laws are commenced by, or
                against, the other party and such proceedings are not dismissed
                within sixty (60) days of such commencement; (2) if the other
                party is ordered or adjudged bankrupt, is placed in the hands of
                a receiver (or similar officer) and such receiver is not
                discharged within sixty (60) days; (3) the other party makes an
                assignment for the benefit of creditors, or otherwise enters
                into any scheme or composition with its creditors; (4)
                substantially all of the other party's assets are seized or
                attached in conjunction with any action against it by any third
                party; (5) the other party is dissolved or seeks to terminate or
                otherwise cease its business operations and affairs.

5.3 No later than fifteen (15) days following termination of this Agreement,
    Customer and Processor shall cease all use of the Products and shall return
    to TU all copies and updates thereto, as well as any computer files or
    output listings that contain any or all Products or information derived from
    Products. The foregoing notwithstanding, at TU's sole option, Customer may
    provide written certification signed by an officer of Customer that all such
    Products have been destroyed.

5.4 Survival. With the exception Sections 2 and 3 all other provisions of this
    Agreement shall survive any such termination of this Agreement. Moreover,
    any such termination shall not relieve Customer of any fees or other
    payments due to TU through the date of any such termination nor affect any
    rights, duties or obligations of either party that accrue prior to the
    effective date of any such termination.

6.  PAYMENT.

6.1 In consideration of the rights granted to Customer under this Agreement, for
    each such Product ordered by Customer, Customer shall pay TU in accordance
    with the payment terms set forth in the Specifications and this Agreement
    (and, in the case of Online Reports according to the then-available
    published pricing at the time such Online Reports are ordered).

6.2 TU shall provide monthly invoices to Customer and Customer shall pay such
    invoices within thirty (30) days of receipt. Without limiting any of TU's
    remedies for non-payment or late payment of invoices, it is agreed that
    invoices which are not paid within sixty (60) days of the due date will be
    subject to a charge of one and one-half percent (1.5%) per month (18% per
    year) or the maximum allowed by law if lower than 18% per year, to cover
    administrative costs.

6.3 Insurance, Shipping and Taxes. Upon receipt of an invoice from TU, Customer
    shall pay the cost of all media used per the Specifications as well as for
    the reasonable cost of insuring such media or other materials during transit
    to and from Customer and while in the possession of Customer or Processor.
    Upon receipt of an invoice from TU, Customer shall also pay all shipping
    costs as well as all taxes, duties or charges of any kind imposed by any
    federal, state, or local governmental entity for products and services
    provided under this Agreement. However, Customer shall not be responsible
    for taxes imposed upon TU by any federal, state or local authority against
    the net income of TU.

6.4 Right to Audit. During the term of this Agreement and for three (3) years
    thereafter, Customer shall maintain current, accurate and complete books and
    records relating to its use of the Products, and all payments due TU.
    Moreover, at the request and expense of TU, Customer shall also allow TU, or
    an independent auditor designated by TU, to examine, inspect, audit, review
    and copy or make extracts from all such books and records and any source
    documents used in preparation thereof, at any time during Customer's normal
    business hours, provided TU gives written notice to Customer at least three
    (3) business days prior to any such examination, inspection, review or
    audit. The foregoing notwithstanding, in the event any such audit discloses
    an underpayment in excess of five percent (5%) for any six (6) month period,
    then Customer shall reimburse Trans Union for its actual and reasonable
    expenses associated with such audit.

7.  PROPRIETARY INFORMATION.

7.1 The parties contemplate that, during the term of this Agreement, either
    party may furnish the other confidential and/or proprietary information
    belonging to, or licensed to, the disclosing party and which is related to
    the subject matter of this Agreement. Such information will be held in
    confidence by the receiving party and, except as explicitly authorized by
    this Agreement, will not be published in any form,

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     will not be used, and will not be discussed with nor disseminated to any
     individual or organization other than the parties; provided, however, that
     such information may be disclosed to Processor solely to the extent
     necessary for purposes of this Agreement. For each such disclosure of
     confidential/proprietary information, these terms will apply for a period
     of ten (10) years from the receipt of such information and will not apply
     to information:

     i)   Which is not in writing and clearly marked "Proprietary" or
          "Confidential". Information transmitted orally or visually may be
          classified as information pursuant to this provision by so designating
          at the time of disclosure, followed by a subsequent reduction to
          writing or other tangible form and submission to the receiving party
          within thirty (30) days from the date of initial disclosure. The
          foregoing notwithstanding, the Products consists of confidential and
          proprietary information, data and technology, and is the trade secret
          and sole exclusive property of TU and therefore will be deemed to be
          TU confidential/proprietary information notwithstanding any failure to
          mark it so;

     ii)  Which is already in the possession of the receiving party or its
          employees at the time of disclosure as evidenced by prior written
          documentation;

     iii) Which now or hereinafter comes into the public domain without breach
          of this Agreement;

     iv)  Which the receiving party rightfully receives from third parties
          without an obligation of confidentiality;

     v)   Which is approved by the disclosing party's written authorization for
          use or release by the receiving party;

     vi)  Which is independently developed by the receiving party without breach
          of this Agreement;

     vii) Which is required by law (e.g., an order of a court or data request
          from an administrative or governmental agency with competent
          jurisdiction) to be disclosed; provided, however, that the receiving
          party will provide the disclosing party ten (10) days prior written
          notice before the disclosure of such information pursuant to this
          Subparagraph vii.

7.2  In the event of a breach of the obligations of confidentiality, the
     non-breaching party will be entitled to seek equitable relief to protect
     its interests, including but not limited to preliminary and permanent
     injunctive relief, as well as money damages. Nothing stated herein will be
     construed to limit any other remedies available to the parties.

7.4  The parties agree that the terms and conditions of this Agreement
     including, without limitation, all Specifications and pricing, are
     confidential, notwithstanding any failure to mark it so, and that neither
     party shall disclose the contents of this Agreement without the prior
     written consent of the other party; provided, however, that the general
     existence of this Agreement shall not be treated as confidential
     information. The foregoing notwithstanding, TU may disclose the terms and
     conditions of this Agreement including, without limitation all
     Specifications, to TU's agent(s) and/or processor(s) (aforementioned above
     in Section 3.1) solely to the extent necessary to fulfill its obligations
     under this Agreement.

7.5  Customer will not remove any trademark, copyright or other proprietary
     notices from any part of the product.

8.   WARRANTY.

8.1  PRODUCT WARRANTY

     8.1.1 TU warrants that the media in which a Product is embodied and
           delivered to Customer will be free from material defects for a period
           of ninety (90) days from the date such Product is delivered to
           Customer. TU's entire liability and Customer's exclusive remedy under
           this Section 8.1 will be to replace any defective media which has
           failed because of accident, abuse or misapplication caused by
           Customer or Processor.

     8.1.2 For all Specifications accepted by TU, TU warrants that the
           associated Product shall substantially conform to such
           Specifications. If any such Product fails to substantially conform to
           the applicable Specifications, TU shall act in good faith to correct
           the failure promptly.

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8.2  NO OTHER WARRANTIES. TU shall use good faith in attempting to obtain
     information, embodied in the Products, from sources deemed reliable, but
     does not guarantee the accuracy of any such information and THE WARRANTIES
     SET FORTH ABOVE IN SECTION 8.1 ARE IN LIEU OF ALL OTHER WARRANTIES WITH
     RESPECT TO THE PRODUCTS, WHETHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT
     LIMITATION, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR
     PURPOSE. THE FOREGOING CONSTITUTES CUSTOMER'S SOLE RIGHTS AND REMEDIES
     UNDER THIS AGREEMENT WITH RESPECT TO DEFECTS IN THE PRODUCTS.

9.   INDEMNIFICATION. Customer shall indemnify, defend, and hold TU harmless
     from and against any and all liabilities, damages, losses, claims, costs,
     and expenses (including but not limited to attorney's fees) arising out of
     or resulting from (i) the obtaining or furnishing of Products under this
     Agreement; (ii) Customer's or any Processor's improper use of the Products
     or failure to observe the use restrictions set forth in this Agreement;
     (iii) any claim alleging that Customer and/or Processor violated the legal
     rights of another person or entity; (iv) any claim by a third party
     alleging that TU failed to provide adequate Products or the proper
     Products; (v) any misrepresentation or breach of warranty by Customer;
     and/or (vi) Customer's and/or Processor's nonperformance of any obligation
     imposed on it by this Agreement.

10.  LIMITATION OF LIABILITY.
     10.1  IN NO EVENT SHALL TU BE LIABLE FOR, AND CUSTOMER HEREBY WAIVES AS TO
           TU, ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, SPECIAL, OR PUNITIVE
           DAMAGES INCURRED BY CUSTOMER AND ARISING OUT OF THE PERFORMANCE OF
           THIS AGREEMENT, INCLUDING BUT NOT LIMITED TO LOSS OF GOOD WILL AND
           LOST PROFITS OR REVENUE, WHETHER OR NOT SUCH LOSS OR DAMAGE IS BASED
           IN CONTRACT, WARRANTY, TORT, NEGLIGENCE, STRICT LIABILITY, INDEMNITY,
           OR OTHERWISE, EVEN IF TU HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
           DAMAGES. THESE LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OF
           ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.

     10.2  ADDITIONALLY, TU SHALL NOT BE LIABLE FOR ANY AND ALL CLAIMS ARISING
           OUT OF OR IN CONNECTION WITH THIS AGREEMENT BROUGHT MORE THAN ONE (1)
           YEAR AFTER THE CAUSE OF ACTION HAS ACCRUED. TU'S TOTAL LIABILITY
           UNDER THIS AGREEMENT SHALL NOT EXCEED THE AGGREGATE AMOUNT PAID,
           UNDER THIS AGREEMENT, BY CUSTOMER FOR THE PRODUCT(S), WHICH ARE THE
           SUBJECT OF SUCH CLAIM, DURING THE TWELVE MONTH (12) MONTH PERIOD
           IMMEDIATELY PRECEEDING SUCH CLAIM.

11.  GENERAL PROVISIONS.
     11.1  ASSIGNMENT. This Agreement and the rights and the obligations
           thereunder with respect to Customer may not be assigned by any act of
           Customer without the prior written consent of TU. TU shall have the
           unrestricted right to assign this Agreement to a successor in
           interest to TU or to the purchaser of a substantially all of the
           assets of TU.

     11.2  NOTICES. Any required notice or communication, pursuant to this
           Agreement, from one party to the other must be in writing and sent to
           the respective party's address set forth in this Agreement. Either
           party may change their respective address by written notice to the
           other, and any such change will take effect immediately upon receipt
           of such notice.

           11.2.1  Unless otherwise set forth in this Agreement, any such notice
                   or other communication shall be sufficiently given if: (1)
                   delivered personally to the designated address of the party
                   to whom notice is to be given; or (2) sent by certified mail,
                   registered mail or by nationally-recognized private express
                   courier, to the designated address of the party to whom
                   notice is to be given.

           11.2.2  Trans Union LLC,                    Towne Services, Inc
                   Business Information Group          3950 Johns Creek Ct #100
                   555 W. Adams                        Suwanee, GA 30024
                   Chicago, Illinois 60661
                   Attn: Vice President/               Attn: Bruce Lowthers, CFO
                         General Manager

     11.3  FORCE MAJEURE. Neither party shall be liable to the other for failure
           to perform or delay in performance under this Agreement if, and to
           the extent, such failure or delay is caused by conditions beyond its
           reasonable control, including, but not limited to, acts of God;
           failure of utilities; strikes, boycotts or other

                                  Page 5 of 6
<PAGE>   6
         concerted acts of workmen; laws, regulations or other orders of public
         authorities; military action, state of war or other national emergency;
         fire or flood which, by the exercise of reasonable diligence, the
         delayed party is unable to prevent or provide against. The party
         affected by any Force Majeure event or occurrence shall give the other
         party written notice of said event or occurrence within five (5)
         business days of such event or occurrence.

11.4     GOVERNING LAW. This Agreement shall be governed by and construed in
         accordance with the laws of the State of Illinois regardless of the
         laws that might otherwise govern under applicable Illinois principles
         of conflicts of law. Any and all actions brought under this Agreement
         will be brought in the state or federal courts in Cook County,
         Illinois. The prevailing party will be entitled to recover reasonable
         attorneys' fees and other actual and reasonable costs incurred in
         enforcing this Agreement.

11.5     TRADEMARKS. Neither party shall use the names, trademarks, service
         marks, or logos of the other party, or its respective affiliates and/or
         subsidiaries, in any advertising, promotional material, or otherwise
         without the prior written consent of the other party.

11.6     CONSTRUCTION AND SEVERABILITY.
         11.6.1  The parties acknowledge that this Agreement has been prepared
         and drafted through the efforts of both parties and agree that in the
         interpretation, construction, and enforcement of the terms and
         conditions of this Agreement, there shall not be applied against either
         party the normal rule of construction that vague and ambiguous terms
         are to be construed against the drafting party.

         11.6.2  All references in this Agreement to the singular shall include
         the plural where applicable. Titles and headings to sections or
         paragraphs in this Agreement are inserted for convenience of reference
         only and are not intended to affect the interpretation or construction
         of this Agreement.

         11.6.3  If any term or provision of this Agreement is held by a court
         of competent jurisdiction to be invalid, void, or unenforceable, the
         remainder of the provisions shall remain in full force and effect and
         shall in no way be affected, impaired or invalidated.

11.7     NO WAIVER. No failure or successive failures on the part of either
         party, its respective successors or permitted assigns, to enforce any
         covenant or agreement, and no waiver or successive waivers on its or
         their part of any condition of this Agreement shall operate as a
         discharge of such covenant, agreement, or condition, or render the same
         invalid, or impair the right of either party, its respective successors
         and permitted assigns, to enforce the same in the event of any
         subsequent breach or breaches by the other party, its successors or
         permitted assigns.

11.8     RELATIONSHIP OF THE PARTIES. This Agreement is not intended to create
         or evidence any employer-employee arrangement, agency, partnership,
         joint venture, or similar relationship of any kind whatsoever, between
         TU and Customer.

11.9     THIS AGREEMENT CONSTITUTES THE ENTIRE AGREEMENT BETWEEN THE PARTIES
         HERETO AND SUPERSEDES ALL PREVIOUS AGREEMENTS AND UNDERSTANDINGS,
         WHETHER ORAL OR WRITTEN, EXPRESS OR IMPLIED, WITH RESPECT TO THE
         PRODUCTS WHICH ARE THE SUBJECT MATTER OF THIS AGREEMENT, EXCEPT AS SET
         FORTH ABOVE IN SECTION 5, THIS AGREEMENT MAY NOT BE ALTERED, AMENDED,
         OR MODIFIED EXCEPT BY WRITTEN INSTRUMENT SIGNED BY THE DULY AUTHORIZED
         REPRESENTATIVES OF BOTH PARTIES.

         IN WITNESS WHEREOF, the parties, intending to be legally bound, have
caused this Agreement to be executed by their duly authorized representatives
as of the last date and year set forth below. The parties hereto agree that a
facsimile transmission of this fully executed Agreement shall constitute an
original and legally binding document.

TRANS UNION LLC                             Towne Service, Inc.
                                            --------------------------------
By:-----------------------------         By: /s/ Bruce F. Lowthers
                                            --------------------------------
   -----------------------------            Bruce F. Lowthers, CFO
   Name and Title of Signer                 --------------------------------
                                            Name and Title of Signer

                                                12-15-99
   -----------------------------            --------------------------------

                                  Page 6 of 6

08/27/99

<PAGE>   7
                                TRANS UNION LLC
                           BUSINESS INFORMATION GROUP
                            MASTER LICENSE AGREEMENT

                                   SCHEDULE 1

                                    PRODUCTS

1.   Business Lists: TU returns to Customer names of businesses and/or
     executives with certain data elements from BIG's Business Information
     Database. A Customer targets these businesses and/or executives using
     demographic, geographic, and other marketing related data elements, as set
     forth on the applicable Specifications.

2.   Business Data Overlays ("Business Overlays"): TU matches a Customer file or
     set of names to its Business Information Database to append certain
     demographic, geographic, and other marketing related data elements, as set
     forth on the applicable Specifications.

3.   Business Verification Reports ("Online Reports"): Online Internet access to
     BIG's Business Information Database for verification and background
     purposes. This information consists of information which TU in its sole
     discretion makes available from time to time, which may include, for
     example, names, addresses, phone numbers, type of business, and sales
     volume.

4.   Business Executive Link: The linkage of data on a business to data on the
     executives within the business. TU returns to Customer names of businesses
     or business executives with certain data elements from BIG's Business
     Information Database, which in most cases will include the home address of
     the business executives or the business address of the individuals.

5.   Analysis Services: Customer desires to have TU or its agent or processor
     analyze Customer files in order to determine potential data variables that
     may serve as future modeling and/or analysis efforts. The Customer files
     provided to TU by Customer may include business and executive information.

                                  Page 1 of 1

08/27/99

<PAGE>   8
                       LIST SERVICE AGREEMENT FOR BROKERS

Agreement, effective as of this   day of December, 1999 ("Effective Date") by
and between Trans Union LLC ("TU") having principal offices at 555 West Adams,
Chicago, Illinois, 60661 and TOWNE SERVICES, INC. ("Broker") having principal
offices at 3950 JOHNS CREEK COURT, #100, SUWANEE, GEORGIA, 30024.

WHEREAS, Broker is in the business of soliciting users of target marketing
lists ("List Users"); and

WHEREAS, TU licenses lists of business and/or executive names and addresses
for target marketing purposes ("Lists"); and

WHEREAS, such Lists are derived from TU's data base using solely non credit
criteria; and

WHEREAS, Broker desires to provide such Lists to List Users.

NOW, THEREFORE, in consideration of the foregoing and the promises and mutual
covenants hereinafter set forth, the parties hereto agree as follows:

1.   The recitals set forth above are an integral part of this Agreement and are
     hereby incorporated into this Agreement.

2.   ORDERING AND USE OF LISTS.

2.1  Upon identification of a List User (hereinafter referred to as Broker's
     Customer), Broker shall order from TU, on an order by order basis, Lists of
     based on criteria agreed to by the parties. In no event shall such Lists
     communicate or be selected based upon any credit information. The List
     shall be provided on computer tape, or on another mutually agreed upon
     medium. TU shall not be liable to Broker should it be unable or fail to
     make any requested update of the List. The terms and conditions of this
     Agreement shall supersede any and all terms and conditions on any and all
     such orders issued by Broker for Lists.

2.2  Subject to the terms and conditions of this Agreement, for each such List
     provided to Broker by TU, TU hereby grants to Broker a limited,
     non-exclusive, non-transferable license, to use such List in the United
     States, its territories and possessions. Such license shall include the
     right to sublicense solely the use of such List to solely such Broker's
     Customers and not to any other third party. Such sublicense to Broker's
     Customers shall not include the right to further sublicense the List to any
     third party. Use by either Broker or Broker's Customers, as applicable,
     shall be solely for either a one-time use or, if agreed to by TU in writing
     in advance, for multiple uses.

     2.2.1     The foregoing notwithstanding, the aforestated license does
               include the right to sublicense such Lists to the following kinds
               of businesses without prior written approval from TU: a)
               re-sellers; b) brokers; c) detective agencies; d) private
               investigative agencies; e) security services; f) nor law firms.

     2.2.2     All such uses permitted under this license shall be for the sole
               purpose of soliciting the names thereon, or sending them an
               offer, or making a telemarketing solicitation. Moreover, Broker
               and Broker's Customers are expressly prohibited from using Lists,
               in whole or in part, for the purpose of enhancing, verifying,
               supplementing, appending, or adding to, any list or database
               disclosed or otherwise made available to Customer by any third
               party, or in the preparation, publication, distribution,
               correction, or maintenance of any prospect database or any
               directory of any nature, without TU's prior written
               authorization.

2.3  Broker shall provide to TU copies of all telemarketing solicitation scripts
     or mail-pieces which will be sent to consumers, to be solicited by Broker
     or Broker's customers, which have been identified based on a List. Any
     changes to the script or mail-piece must be pre-approved by TU. All offers
     or solicitations made to individuals included on any and all Lists shall
     conform to all federal, state and locals laws and regulations. Neither
     Broker nor its customer may use the List to advertise, sell, or exchange
     any products or services that involves: a) sexual paraphernalia; b) drug
     paraphernalia; c) adult films, recording or magazines; d) weapons; e) other
     illicit activities; or f) credit repair services.

2.4  Under no circumstances shall Broker, nor Broker customers, use Lists, or
     any subset of Lists, for the modeling of, or determination of, individual
     credit worthiness or credit approval. In the event Broker, or any Broker
     customer, breaches this clause, without limiting any other remedies
     available to TU, Broker recognizes the damages TU would suffer would be
     impossible to calculate, and that breach of this clause shall result in
     financial penalties of One Million Dollars ($1,000,000) payable by Broker
     to TU.

                                  Page 1 of 11

<PAGE>   9
2.5  Broker may not copy (except for archival purposes) the List without TU's
     prior written consent, nor grant any other person or entity the right to do
     so. Moreover, Broker is not granted any ownership rights or title to the
     List or to any information contained in any and all such Lists. Moreover,
     TU reserves all rights not explicitly granted to Broker under this
     Agreement.

2.6  In no event shall Broker, nor Broker's Customers, advertise, promote, or
     distribute any Lists via electronic technology, (regardless of whether such
     transmission vehicle is secured, non-secured, encrypted, or non-encrypted)
     now known or hereafter developed including, but not limited to, the
     Internet, without the prior written consent of TU.

2.7  Broker shall ensure that it has a written agreement with each such Broker
     customer which is consistent with this Agreement including, but not limited
     to, incorporation, and applicability to each such Broker customer of the
     limited license rights granted to Broker herein and the protection of TU's
     confidential information. Such agreement shall also provide that TU is a
     third party beneficiary thereof, and is entitled to enforce such agreement
     directly against Broker's customer.

2.8  For each Broker Customer, prior to providing such entity with such List(s),
     Broker shall take all reasonable actions necessary to verify: a) the stated
     purpose for Broker's Customer obtaining such Lists is compatible with the
     type of business conducted by Broker's Customer, b) that Broker's Customer
     is a legitimate business and c) that Broker's Customer is does not fall
     within the categories of businesses listed in Paragraph 2.2.1 above.

2.9  During the term of this Agreement and for a period of three (3) years
     thereafter, TU may audit Broker's and Broker's customer's records
     including, but not limited to, all of Broker's agreements with Broker's
     Customers which pertain to this Agreement, to ensure compliance with this
     Agreement, upon reasonable notice and during normal business hours, and may
     monitor the use of the Lists by control means such as seeding.

3.   TERM, TERMINATION & SURVIVAL.

3.1  Term.  This Agreement shall commence upon the Effective Date and shall be
     in effect until terminated as provided for below.

3.2  Termination.

     3.2.1     Either party may terminate this Agreement by providing the other
               party with thirty (30) days' prior written notice.

     3.2.2     Either party may terminate this Agreement for the other party's
               breach of any material provision of this Agreement; provided the
               nonbreaching party has provided the party in breach with written
               notice specifying such breach and the party in breach has failed
               to cure such breach thirty (30) days of receipt of such notice.
               The foregoing notwithstanding, without limiting any other
               remedies to which TU may be entitled, TU reserves the right
               immediately terminate this Agreement if TU, in good faith,
               determines that (1) Broker, or any Broker customers violated any
               portion of Section 2 of this Agreement or that the requirements
               of any law have not been met; (2) as a result of changes in laws,
               regulations or regulatory or judicial action, TU, in good faith
               believes that the requirements of any law or regulation will not
               be met; and (3) such termination is reasonable under the
               particular circumstances. TU shall promptly provide written
               notification to Broker of such action.

     3.2.3     Either party may terminate the Agreement, upon sixty (60) days'
               prior written notice to the other party, if (1) proceedings
               under bankruptcy or insolvency laws are commenced by, or against,
               the other party and such proceedings are not dismissed within
               sixty (60) days of such commencement; (2) if the other party is
               ordered or adjudged bankrupt, is placed in the hands of a
               receiver (or similar officer) and such receiver is not discharged
               within sixty (60) days; (3) the other party makes an assignment
               for the benefit of creditors, or otherwise enters into any scheme
               or composition with its creditors; (4) substantially all of the
               other party's assets are seized or attached in conjunction with
               any action against it by any third party; (5) the other party is
               dissolved or seeks to terminate or otherwise cease its business
               operations and affairs.

     3.2.4     No later than fifteen (15) days following termination of this
               Agreement, Broker shall terminate all sublicenses granted to
               Broker's Customers. Moreover, Broker and Broker's Customers shall
               cease all use of the Lists and shall return to TU all copies and
               updates thereto, as well as any computer files or output listings
               that contain any or all Lists. The foregoing notwithstanding, at
               TU's sole option, Broker may provide written certification by an
               officer of Broker that all such Lists have been destroyed.

                                  Page 2 of 11
<PAGE>   10
3.3    Survival.  With the exception Sections 2.1, 2.2, and 4.1, all other
       provisions of this Agreement shall survive any such termination of this
       Agreement. Moreover, any such termination shall not relieve Broker of any
       fees or other payments due to TU through the date of any such termination
       nor affect any rights, duties or obligations of either party that accrue
       prior to the effective date of any such termination.

PAYMENT.

4.1    In consideration of the rights granted to Broker under this Agreement,
       Broker shall pay to TU the fees set forth in the TU rate schedule for
       each such Broker List order submitted to TU.

4.2    TU shall provide monthly invoices to Broker and Broker shall pay such
       invoices within thirty (30) days of receipt. Without limiting any of TU's
       remedies for non-payment or late payment of invoices, it is agreed that
       invoices which are not paid within sixty (60) days of the due date will
       be subject to a charge of one and one-half percent (1.5%) per month (18%
       per year) or the maximum allowed by law if lower than 18% per year, to
       cover administrative costs.

     4.2.1  Moreover, Broker shall submit, with its payment of such TU invoices,
            documentation in form and content acceptable to TU, which lists each
            Broker Customer to which a List has been sublicensed during the
            period covered by such invoice. Such documentation shall include a
            full address, phone number, Internet Universal Resource Locator
            (website address), if applicable, for each such Broker Customer as
            well as any other information that TU may reasonably request from
            time to time.

4.2.2  Taxes.  Broker shall pay all taxes, duties or charges of any kind imposed
       by any federal, state; or local governmental entity for products and

       services provided under this Agreement. Broker shall promptly reimburse
       TU for such taxes upon receipt of an invoice therefor. However, Broker
       shall not be responsible for taxes imposed upon TU by any federal, state
       or local authority against the net income of TU.

4.2.3  Right to Audit.  During the term of this Agreement and for three (3)
       years thereafter Broker shall maintain current, accurate and complete
       books and records relating to its use of the Lists, and all payments due
       TU, and shall, at the request of TU but at Broker's expense, and no more
       than once every six (6) months, have the independent public accounting
       firm that regularly audits its books and records furnish TU with an
       auditor's certificate as to the accuracy of payments made hereunder.
       Moreover, at the request and expense of TU, Broker shall also allow TU,
       or an independent auditor designated by TU, to examine, inspect, audit,
       review and copy or make extracts from all such books and records and any
       source documents used in preparation thereof, at any time during Broker's
       normal business hours, provided TU gives written notice to Broker at
       least three (3) business days prior to any such examination, inspection,
       review or audit.

5.     PROPRIETARY INFORMATION.

5.1    The parties contemplate that, during the term of this Agreement, either
       party may furnish the other confidential and/or proprietary information
       belonging to, or licensed to, the disclosing party and which is related
       to the subject matter of this Agreement. Such information will be held in
       confidence by the receiving party and, except as explicitly authorized
       by this Agreement, will not be published in any form, will not be used,
       and will not be discussed with nor disseminated to any individual or
       organization other than the parties. For each such disclosure of
       confidential/proprietary information, these terms will apply for a
       period of ten (10) years from the receipt of such information and will
       not apply to information;

       i    Which is not in writing and clearly marked "Proprietary" or
            "Confidential". Information transmitted orally or visually may be
            classified as information pursuant to this provision by so
            designating at the time of disclosure, followed by a subsequent
            reduction to writing or other tangible form and submission to the
            receiving party within thirty (30) days from the date of initial
            disclosure;

       ii   Which is already in possession of the receiving party or its
            employees at the time of disclosure as evidenced by prior written
            documentation;

       iii  Which now or hereinafter comes into the public domain without breach
            of this Agreement;

       iv   Which the receiving party rightfully receives from third parties
            without an obligation of confidentiality;

       v    Which is approved by the disclosing party's written authorization
            for use or release by the receiving party;

       vi   Which is independently developed by the receiving party without
            breach of this Agreement;

                                  Page 3 of 11

<PAGE>   11
     vii Which is required by law (e.g., an order of a court or data request
         from an administrative or governmental agency with competent
         jurisdiction) to be disclosed; provided however, that the receiving
         party will provide the disclosing party ten (10) days prior written
         notice before the disclosure of such information pursuant to this
         Subparagraph vii.

5.2  In the event of a breach of the obligations of confidentiality, the
non-breaching party will be entitled to seek equitable relief to protect its
interests, including but not limited to preliminary and permanent injunctive
relief, as well as money damages. Nothing stated herein will be construed to
limit any other remedies available to the parties.

5.3 The Lists consists of confidential and proprietary information, data and
technology, and is the trade secret and sole exclusive property of TU and
therefore will be deemed to be confidential/proprietary information
notwithstanding any failure to mark it so. Notwithstanding anything above to
the contrary, but subject to the exceptions set forth above in subparagraphs ii
through vii of Section 5.1, the above obligations of confidentiality with
respect to the Lists are perpetual and will survive the expiration or any
termination of this Agreement.

5.4 Broker will not remove any trademark, copyright or other proprietary
notices from any part of the Lists, and will reproduce these notices on any
copies of documentation made by Broker. Copies of documentation will be made
solely for backup and archival purposes.

6.  WARRANTY.
6.1 Lists Media Warranty. TU warrants that the media in which the Lists is
embodied and delivered to Broker will be free from material defects for the
term of this Agreement. TU's entire liability and Brokers' exclusive remedy
under this Section 6.1 will be to replace the media on which such Lists was
delivered. TU shall have no obligation to replace any defective media which has
failed because of accident, abuse or misapplication caused by Broker or
Broker's Customer(s).

6.2 No Other Warranties. TU shall use good faith in obtaining and assembling
such data and other information contained within the Lists from sources deemed
reliable, but does not guarantee the accuracy of any such data nor other
information and THE WARRANTY SET FORTH ABOVE IN SECTION 6.1 IS IN LIEU OF ALL
OTHER WARRANTIES WITH RESPECT TO THE LICENSED MATERIAL, WHETHER EXPRESSED OR
IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY AND
FITNESS FOR A PARTICULAR PURPOSE. THE FOREGOING CONSTITUTES BROKER'S SOLE
RIGHTS AND REMEDIES UNDER THIS AGREEMENT WITH RESPECT TO DEFECTS IN THE LICENSED
MATERIAL.

7.  INDEMNIFICATION. Broker agrees to indemnify and hold TU harmless from any
and all claims, losses and damages, liability, and costs, including attorney's
fees, that results directly or indirectly from any claim or demand against TU
by a third party that arises under or relates to the performance of Broker and
Broker's Customers under this Agreement including, but not limited to, any use
of the Lists by Broker or Broker's customers.

8.  LIMITATION OF LIABILITY.
8.1 IN NO EVENT SHALL TU BE LIABLE FOR, AND BROKER HEREBY WAIVES AS TO TU, ANY
CONSEQUENTIAL, INCIDENTAL, INDIRECT, SPECIAL, OR PUNITIVE DAMAGES INCURRED BY
BROKER AND ARISING OUT OF THE PERFORMANCE OF THIS AGREEMENT, INCLUDING BUT NOT
LIMITED TO LOSS OF GOOD WILL AND LOST PROFITS OR REVENUE, WHETHER OR NOT SUCH
LOSS OR DAMAGE IS BASED IN CONTRACT, WARRANTY, TORT, NEGLIGENCE, STRICT
LIABILITY, INDEMNITY, OR OTHERWISE, EVEN IF TU HAS BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES. THESE LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY
FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.

8.2  ADDITIONALLY, TU SHALL NOT BE LIABLE, FOR ANY CLAIM ARISING OUR OF OR IN
CONNECTION WITH THIS AGREEMENT BROUGHT MORE THAN ONE (1) YEAR AFTER THE CAUSE
OF ACTION HAS ACCRUED. TU'S TOTAL LIABILITY UNDER THIS AGREEMENT SHALL NOT
EXCEED THE AGGREGATE AMOUNT PAID BY BROKER HEREUNDER DURING THE TWELVE MONTH
(12) MONTH PERIOD IMMEDIATELY PRECEEDING THE FIRST CLAIM.

9.  GENERAL PROVISIONS.
9.1 Assignment. This Agreement and the rights and the obligations thereunder
with respect to Broker may not be assigned by any act of Broker or by operation
of law without the prior written consent of TU. TU shall have the unrestricted
right to assign this Agreement to a successor in interest to TU or to the
purchaser of a substantially all of the assets of TU.

                                  Page 4 of 11
<PAGE>   12
9.2  Broker warrants that each of its employees and each of Broker's Customer's
     employees, selected by Broker or Broker's Customers, as applicable, to use
     Lists is or will be bound by an appropriate written agreement sufficient to
     ensure compliance with the provisions of this Agreement, including without
     limitation, the license grants set forth in this Agreement and the
     protection of TU's confidential information.

9.3  Notices. Any notice or other communication from one party to the other must
     be in writing and sent to the respective party's address set forth in this
     Agreement. Either party may change their respective address by written
     notice to the other, and any such damage will take effect immediately upon
     receipt of such notice.

9.4  Unless otherwise set forth in this Agreement, any such notice or other
     communication shall be sufficiently given if: (1) delivered personally to
     the designated address of the party to whom notice is to be given; or (2)
     sent by certified mail, registered mail or by nationally-recognized private
     express courier, to the designated address of the party to whom notice is
     to be given.

9.5  Trans Union LLC,                        Towne Services, Inc.
     Business Information Group              3950 Johns Creek Court #100
     555 W. Adams                            Suwanee, GA 30024
     Chicago, Illinois 60661
     Attn: Vice President/General Manager    Attn: CFO

9.6  Force Majeure. Neither party shall be liable to the other for failure to
     perform or delay in performance under this Agreement if, and to the extent,
     such failure or delay is caused by conditions beyond its reasonable
     control, including acts of God; strikes, boycotts or other concerted acts
     of workmen; laws, regulations or other orders of public authorities;
     military action, state of war or other national emergency; fire or flood
     which, by the exercise of reasonable diligence, the delayed party is unable
     to prevent or provide against. The party affected by any Force Majeure
     event or occurrence shall give the other party written notice of said event
     or occurrence within five (5) business days of such event or occurrence.

9.7  Publicity. The parties agree that the terms and conditions of this
     Agreement are confidential, and that neither party shall disclose the
     contents of this Agreement without the prior written consent of the other
     party; provided, however, that the general existence of this Agreement
     shall not be treated as confidential information. Neither party shall use
     the names, trademarks, or logos of the other party in any advertising or
     promotional material without the prior written consent of the other party.

9.8  Governing Law. This Agreement shall be governed by and construed in
     accordance with the laws of the State of Illinois regardless of the laws
     that might otherwise govern under applicable Illinois principles of
     conflicts of law. Any and all actions brought under this Agreement will be
     brought in the state or federal courts in Cook County, Illinois. The
     prevailing party will be entitled to recover reasonable attorneys' fees and
     other actual and reasonable costs incurred in enforcing this Agreement.

9.9  Construction and Severability.

     9.9.1  The parties acknowledge that this Agreement has been prepared and
            drafted through the efforts of both parties and agree that in the
            interpretation, construction, an enforcement of the terms and
            conditions of this Agreement, there shall not be applied against
            either party the normal rule of construction that vague and
            ambiguous terms are to be constructed against the drafting party.

     9.9.2  All references in this Agreement to the singular shall include the
            plural where applicable. Titles and headings to sections or
            paragraphs in this Agreement are inserted for convenience of
            reference only and are not intended to affect the interpretation or
            construction of this Agreement.

     9.9.3  If any term or provision of this Agreement is held by a court of
            competent jurisdiction to be invalid, void, or unenforceable, the
            remainder of the provisions shall remain in full force and effect
            and shall in no way be affected, impaired or invalidated.

9.10 No Waiver. No failure or successive failures on the part of either party,
     its respective successors or permitted assigns, to enforce any covenant or
     agreement, and no waiver or successive waivers on its or their part of any
     condition of this Agreement shall operate as a discharge of such covenant,
     agreement, or condition, or render the same invalid, or impair the right of
     either party, its respective successors and permitted assigns, to enforce
     the same in the event of any subsequent breach or breaches by the other
     party, its successors or permitted assigns.

9.11 Relationship of the Parties. This Agreement is not intended to create or
     evidence any employer-employee arrangement, agency, partnership, joint
     venture, or similar relationship of any kind whatsoever, between TU and
     Broker.

                                  Page 5 of 11
<PAGE>   13
9.12  Whereas customer desires to resell Business Report products available from
      TU, execution of this document in addition to the Master License agreement
      will serve as license to resell Business Report products.

9.13  THIS AGREEMENT CONSTITUTES THE ENTIRE AGREEMENT BETWEEN THE PARTIES HERETO
      AND SUPERSEDES ALL PREVIOUS AGREEMENTS AND UNDERSTANDINGS, WHETHER ORAL OR
      WRITTEN, EXPRESS OR IMPLIED, WITH RESPECT TO THE SUBJECT MATTER OF THIS
      AGREEMENT, EXCEPT AS SET FORTH ABOVE IN SECTION 3, THIS AGREEMENT MAY NOT
      BE ALTERED, AMENDED, OR MODIFIED EXCEPT BY WRITTEN INSTRUMENT SIGNED BY
      THE DULY AUTHORIZED REPRESENTATIVES OF BOTH PARTIES.

IN WITNESS WHEREOF, the parties have executed this Agreement effective as of the
date first written above. The parties hereto agree that a facsimile transmission
of this fully executed Agreement shall constitute an original and legally
binding document.

TRANS UNION LLC                              TOWNE SERVICES, INC.

By:                                          By: /s/ Bruce F. Lowthers
    -------------------------------              ----------------------------

    -------------------------------              Bruce F. Lowthers, CFO
    Name and Title of Signer                     ----------------------------
                                                 Name and Title of Signer
    -------------------------------
            Date Signed                          December 13, 1999
                                                 ----------------------------
                                                          Date Signed

                                     Page 6 of 11
<PAGE>   14

                                    EMPIRICA
                               ON-LINE AGREEMENT

     THIS AGREEMENT is made this 13th day of December, 1999, by and between
Trans Union LLC (hereinafter referred to as "Trans Union") Fair, Isaac and Co.,
Inc. (hereinafter referred to as "Fair, Isaac"), and Towne Services, Inc.
(hereinafter referred to as ("Subscriber").

     1.   Trans Union is in the business of providing consumer credit
information to subscribers who are members, and who have a permissable purpose
for receiving such information.

     2.   Fair, Isaac is in the decision support business with expertise in
developing predictive models of credit performance by consumers from historical
credit data.

     3.   Subscriber is a credit grantor who purchases consumer credit reports
from Trans Union in connection with consumer credit applications.

     4.   Trans Union and Fair, Isaac have developed a unique and proprietary
statistical credit scoring system ("EMPIRICA") which evaluates certain
information in the credit report on an individual consumer from Trans Union's
database and provides a score which rank orders the consumer with respect to
likely credit performance (the "EMPIRICA Score"). The EMPIRICA Score is
available in industry-specific versions, as well as a general version.

     5.   Subscriber hereby requests that Trans Union process credit reports it
purchases against EMPIRICA and provide an EMPIRICA Score. Trans Union agrees to
perform such processing.

     6.   Fair, Isaac, the developer of EMPIRICA, warrants that the scoring
algorithms used in the computation of the EMPIRICA Score are empirically
derived from Trans Union's credit data and are a demonstrably and statistically
sound method of rank-ordering candidate records with respect to credit risk,
and that no scoring algorithm used by EMPIRICA uses a "prohibited basis" as
that term is defined in the Equal Credit Opportunity Act and Regulation B
("Reg. B") promulgated thereunder.

     7.   Subscriber recognizes that factors other than the EMPIRICA Score must
be considered in making a credit decision, including the credit report, the
individual credit application, and economic factors. The factors that are
provided by Trans Union as significantly contributing to the Score may be
disclosed to consumers as the reasons for taking adverse action, as required by
Reg. B. However, the Score itself is proprietary, may not be used as the reason
for adverse action under Reg. B and, accordingly, shall not be disclosed to
credit applicants.

     8.   Subscriber agrees to pay to Trans Union the annual subscriber fees
for the use of EMPIRICA, stated in Exhibit A, at the time stated therein. In
addition, Subscriber agrees to pay the added surcharge stated in Exhibit A for
each credit report purchased that uses EMPIRICA. All fees stated in Exhibit A
are due in the same manner and subject to the same terms and conditions as the
fees in the Subscriber Agreement in effect between the parties. All fees may be
modified by Trans Union at any time upon a prior thirty (30) day notice.

     9.   Trans Union and Fair, Isaac shall use their best efforts to perform
their obligations hereunder, but make no guarantees other than as described in
Paragraph 6, and shall not be liable for any loss, cost or expense of
Subscriber resulting from the use of EMPIRICA. In no event shall either party

<PAGE>   15
be liable to Subscriber for any loss, costs, damages or expenses in excess of
the fees charged Subscriber hereunder for the previous twelve (12) month
period.

     10.  Each party hereto shall be responsible for compliance with all laws
and regulations to which it is subject.

     11.  This Agreement states the entire understanding of the parties as to
the subject matter hereof, supersedes all prior correspondence, documentation
or representations, and may not be amended except by written agreement signed
by both. However, this Agreement does not supersede any other agreement in
effect between the parties relating to credit reporting.

     12.  This Agreement shall be in effect for one year from the date hereof,
and thereafter shall be automatically renewed, except that either party may
terminate this Agreement at any time upon a prior thirty (30) day notice to the
other.

     13.  No party may assign its rights or obligations hereunder except with
the prior written consent of the other party.

     14.  Nothing contained in this Agreement is intended to create a joint
venture or partnership between the parties. Each party shall be fully
independent in its business operations.

     15.  Trans Union is authorized to sign this Agreement on behalf of Flair,
Isaac.

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

TRANS UNION LLC                         /s/ Towne Services, Inc.
                                        ________________________
                                             Subscriber Name

By: /s/ Michael J. Jones                By: /s/ Bruce F. Lowthers
____________________________            ______________________________

Print Name: Michael J. Jones            Print Name: Bruce F. Lowthers
____________________________            ______________________________

Title: Group VP                         Title: CFO
____________________________            ______________________________

Trans Union for FAIR, ISAAC AND CO., INC.

By: /s/ Michael J. Jones
____________________________

Print Name: Michael J. Jones
____________________________

Title: Group VP
____________________________

                                       2

<PAGE>   16
                                   EXHIBIT A

                    Annual Subscriber Fee        $       N/A
                                                  --------------------------
                                                  Payable on the date hereof

The processing charge shall be based on units of credit reports scored and
shall be added to the credit report price as follows:

                    Monthly EMPIRICA                    Surcharge Per
                   Transaction Volume                    Transaction
                    ------------------                  -------------

                    SEE ATTACHED PRICING                $
                   ---------------------                -------------
<PAGE>   17
                                    RESELLER
                               SERVICE AGREEMENT

     This Agreement is made by and between Towne Services, Inc. (hereinafter
referred to as "Reseller") and Trans Union LLC (hereinafter referred to as
"Trans Union") to provide for credit reporting services.

     WHEREAS, Reseller is in the business of obtaining consumer reports from
third party sources and providing credit reporting services to its customers
("Reselling"); and

     WHEREAS, Trans Union owns and maintains a national database of consumer
credit information; and

     WHEREAS, Reseller desires to resell Trans Union consumer credit reports,
or information therefrom, to users of reports who have a permissible purpose.

     NOW THEREFORE, in consideration of the premises and the mutual benefits
expressed herein, the parties agree as follows:

I.   Reseller Responsibilities

     A.  Reseller may sell Trans Union reports to the industries and for the
         purposes outlined in the Reseller's Letter of Intent, a copy of which
         is attached hereto and incorporated herein by reference. In the event
         that Reseller wishes to expand its resale business beyond the scope set
         forth in the Letter of Intent, it may do so only with the prior written
         consent of Trans Union.

     B.  Reseller shall request from Trans Union consumer reports or
         information from Trans Union consumer reports only on behalf of users
         who have a permissible purpose for obtaining consumer reports, as
         defined by Section 604 of the Federal Fair Credit Reporting Act (15 USC
         1681b) as amended by the Consumer Credit Reporting Reform Act of 1996,
         hereinafter called "FCRA." Such users shall be provided access to the
         Trans Union credit reporting system or data only if all requirements
         stated herein are met.

     C.  At the time it requests each consumer report, Reseller shall identify
         the end user of the report (or information derived from the report),
         certify each purpose for which the report (or information) will be
         used, and certify that the report (or information) will be used for no
         other purpose, as defined by Section 607 of the FCRA, via the method
         indicated by the Reseller in Section IV of this Agreement.

<PAGE>   18
D.   The Trans Union reports or data therefrom may be transferred without
     change, may be reformatted by Reseller, or may be merged with those
     obtained from other consumer reporting agencies (Merged Reports). Each
     report obtained by Reseller shall be used only one time, and only by or on
     behalf of the user for whom it was requested. Reseller may not archive or
     otherwise retain or use any report for any other purpose, except to the
     extent that Reseller is required by law to maintain the report for purposes
     of performing a consumer-initiated investigation and providing, at the
     consumer's request, a modified version of the same report to the user for
     whom it was originally requested. In the event that Reseller has archived a
     report for such purpose, and receives a court order or federal grand jury
     subpoena for that report, such report may be produced. In no event,
     however, should a new report be requested from Trans Union in response to
     any subpoena; rather, Reseller should direct requesting party to Trans
     Union.

E.   Reseller shall obtain Subscriber Agreements that contain the language set
     forth in Exhibit A (or Exhibit B if for employment purposes) from such
     users, wherein each user will state the nature of its business, certify the
     specific purpose for which consumer reports will be obtained, and agree
     that reports will be obtained for no other purpose, all as required by the
     FCRA. The permissible purpose specified shall be one or more of the
     following:

     1.   In connection with a credit transaction involving the consumer on whom
          the information is to be furnished and involving the extension of
          credit to, or review or collection of an account of the consumer; or

     2.   For employment purposes, in which case the Reseller must resell Trans
          Union's PEER product and Reseller and its Subscriber must execute an
          agreement containing the same language as set forth in Exhibit B
          hereto; or

     3.   In connection with the underwriting of insurance involving the
          consumer or review of existing policy holders for insurance
          underwriting purposes, or in connection with an insurance claim where
          WRITTEN PERMISSION OF THE CONSUMER HAS BEEN OBTAINED (and a copy of
          such written permission must be retained for 3 years from the date of
          inquiry); or

     4.   In connection with a tenant screening application involving the
          consumer; or

     5.   In accordance with the written instructions of the consumer (and a
          copy of such written permission must be retained for 3 years from the
          date of inquiry); or

     6.   For a legitimate business need in connection with a business
          transaction that is initiated by the consumer; or

     7.   As a potential investor, servicer or current insurer in connection
          with a valuation of, or assessment of, the credit or prepayment risks.

F.   Reseller is prohibited from selling reports directly to consumers under
     this Agreement. Reseller may make disclosures to consumers only to the
     extent required by Section 609 of the FCRA.

                                       2
<PAGE>   19
G.   Reseller may advertise its services on the Internet or another public
     computer network. However, reports may not be sold and delivered over a
     public computer network. Reseller may receive requests for consumer reports
     over the Internet, but the reports must be delivered to the user by means
     other than the Internet. In the event Reseller believes that adequate
     security has been established to permit on-line public network or Internet
     access, with no risk of any party other than the appropriate party
     obtaining an individual's consumer report, Reseller shall apply to Trans
     Union for approval of its security procedures. Approval must then be
     obtained from Trans Union's computer access Security Department, in
     writing, before any such deliveries of consumer reports can occur. Failure
     to obtain such prior approval shall result in immediate termination of this
     Agreement.

H.   Reseller may sell consumer reports for employment purposes (PEER) to the
     customers who are Members of the Media, Law Enforcement Agencies, Private
     Investigative Agencies, Detective Agencies, Law Firms, Security Services,
     Investigators, and Lawyers or Attorneys at Law, provided such customers
     shall be issued individual code numbers as set forth in Section IV of this
     Agreement and subject to the requirements in Section E (2) above. However,
     for reports for any purpose other than employment, or any other products,
     the prohibition in Section I below shall apply.

I.   Except as other expressly permitted herein, Reseller shall not sell Trans
     Union consumer reports to customers who are:

     1. Private Investigative Agencies

     2. Detective Agencies

     3. Law Firms

     4. Security Services

     5. Investigators

     6. Lawyers or Attorneys at Law

     7. Law Enforcement

     8. Credit Repair Clinics or any similar entity who offers to improve a
        consumer's credit report

     9. Members of the Media

    10. Other Resellers

    11. Or such other category of customer as Trans Union may identify from
        time to time by written notice to Reseller.

     The foregoing categories are hereinafter referred to as "Unauthorized
     Users."

                                       3
<PAGE>   20
     J.   Reseller shall take the steps identified on Exhibit C to verify the
          identity of its customers who will obtain Trans Union credit reports
          or information therefrom to make certain that such users are
          legitimate businesses, have a permissible purpose for obtaining
          credit reports, and are not Unauthorized Users. Trans Union may amend
          Exhibit C at any time by providing 30 days written notice to Reseller.

     K.   If, as a result of the verifications outlined on Exhibit C, the
          prospective customer is found to be an Unauthorized User, or is found
          to have no permissible purpose to obtain credit reports, no agreement
          will be signed and no subscriber number will be issued.

     L.   Trans Union reserves the right to terminate any customer of Reseller
          at any time with or without notice.

II.   Merged Report Guidelines

          Reseller agrees to adhere to the following guidelines when it sells
          Merged Consumer Reports:

          A.   Reseller shall comply with the requirements of FCRA dealing with
               consumer disclosure, interviews and reinvestigation procedures.

          B.   Reseller shall retain each Merged Report so that it can provide
               a consumer disclosure as required by FCRA.

          C.   Reseller shall be able to easily identify the source(s) of each
               element of data in the Merged Report. Consumer disclosures must
               clearly show this data as it was originally reported by each of
               the sources when providing the consumer disclosure.

          D.   When a customer of the Reseller requests and reviews a Merged
               Report and the consumer is denied credit based on information in
               that Report, the consumer must be referred to the Reseller for a
               complete disclosure.

          E.   In making a consumer disclosure, the Reseller will provide the
               names, addresses and telephone numbers of the consumer reporting
               agency that was used to provide information for the report.

          F.   In making a disclosure, in addition to all other obligations
               Reseller has under Section 609 of the FCRA, the Reseller also
               must advise the consumer about her/his FCRA rights to dispute
               information with the appropriate source credit bureau, to
               request reinvestigation, and to have corrected reports reissued
               to previous recipients, all as required by the FCRA and in the
               format established by the Federal Trade Commission.

          G.   Reseller must obtain information from sources other than the
               applicant in preparing the merged report. The Reseller must
               obtain information from a minimum of two national consumer
               reporting agencies. Separate inquiries are necessary when the
               co-borrowers have individually applied for credit.

                                       4
<PAGE>   21
          H.   The Merged Report must contain the date the report was created,
               the Reseller's name, address, and phone number as the consumer
               reporting agency which prepared the Merged Report. The Merged
               Report must show the names of the repository(ies) from which the
               information was obtained and must identify the organization that
               ordered the Merged Report.

          I.   Once the merge logic is applied, the Merged Report must
               accurately reflect all elements of tradeline or credit grantor
               information for each tradeline if it was furnished by one or
               more of the credit reporting agencies.

III. Trans Union Responsibilities

     A.   Trans Union shall maintain credit information on individuals as
          furnished by its subscribers or obtained from other available sources.

     B.   Trans Union shall use good faith in obtaining and assembling such
          information from sources deemed reliable, but does not guarantee the
          accuracy of any information reported, and TRANS UNION MAKES NO
          WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE
          IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR
          PURPOSE, RESPECTING THE ACCURACY OF ANY TRANS UNION CREDIT
          INFORMATION FURNISHED BY TRANS UNION TO RESELLER OR TO ANY SUBSCRIBERS
          OF RESELLER. IN NO EVENT SHALL TRANS UNION BE LIABLE TO RESELLER IN
          ANY MANNER WHATSOEVER FOR ANY LOSS OR INJURY TO RESELLER RESULTING
          FROM THE OBTAINING OR FURNISHING OF CREDIT REPORTS AND, FURTHER,
          RESELLER AGREES TO HOLD TRANS UNION HARMLESS AND INDEMNIFY IT FROM
          ANY AND ALL CLAIMS, LOSSES AND DAMAGES ARISING OUT OF THE ISSUANCE
          OF SUCH REPORTS OR THE FAILURE OF RESELLER TO KEEP AND PERFORM ANY
          OF ITS OBLIGATIONS DESCRIBED HEREIN.

                                       5
<PAGE>   22
IV.  Identify End User

     A.   Reseller shall provide to Trans Union, for each customer for whom
          Reseller will procure Trans Union credit reports or information
          therefrom, the end user's identity by subscriber number, name,
          address and telephone number, and the permissible purpose for which
          each report is sought, so that such information may be noted on the
          report for the consumer who is the subject of the report accessed.
          Such end user identification shall be made as mutually agreed between
          Trans Union and Subscriber.

          1.   Individual Code for Each End User
               Each customer signed up by Reseller may access the Trans Union
               system after appropriate identification procedures have been
               established, and a separate customer code shall be issued for
               each customer. When such code is established, Reseller shall
               provide Trans Union with the customer's name, address, and
               telephone number. The permissible purpose shall be identified on
               each inquiry.

          2.   Reseller Code Used for All Inquiries

               No individual customer code will be issued, nor will access to
               the Trans Union system be established, for any customer by Trans
               Union. Rather, the code used will be the Reseller's code. The
               customer name and permissible purpose for the inquiry shall be
               identified by Reseller on each consumer report accessed. Pursuant
               to Section 609 of the FCRA, the customer's name must be the trade
               name under which the customer conducts business, written in full.
               Reseller agrees to establish and provide Trans Union a toll free
               number, which will be answered between the hours of 9 a.m. to 5
               p.m. Monday through Friday, exclusive of federal holidays, that
               Trans Union can call to obtain the customer's address and
               telephone number.

          Failure of Reseller to comply with the requirements of this
          Section IV shall result in termination of this Agreement.

     B.   If any current customers of Reseller have been assigned a Trans Union
          access code, they shall be identified, and Reseller shall determine
          that the certifications required herein and all other obligations
          stated herein are complied with by such customers. All Unauthorized
          Users who have an access code for the Trans Union system, shall be
          terminated and access to the Trans Union system by them shall be
          canceled, except as otherwise permitted by Section I(H) above.

                                       6
<PAGE>   23
     C.   Reseller is also required to:

          1.   Internally identify all of End-User Customers engaged in the
               underwriting of insurance including, but not limited to, auto
               insurance, casualty insurance, property insurance, surety bond
               companies, bail bondsmen, and insurance agents (hereinafter
               referred to as "Insurance Company Customers").

          2.   Ensure that all of Insurance Company Customers are identified by
               means of a separate Trans Union subscriber code.

          3.   Ensure that all Insurance Company Customers have a Trans Union
               subscriber code with an "I" KOB.

          4.   Ensure that all inquiries made by all Insurance Company Customers
               include the appropriate permissible purpose code, as identified
               by Trans Union.

V.   Fees & Charges

     A.   Reseller shall pay to Trans Union for each access by it or one of its
          customers the price then in effect for the type of credit report
          ordered. Trans Union shall have no obligation to collect any account
          owing from Reseller's customers.

     B.   Trans Union shall provide monthly invoices to Reseller for all access
          by it or Reseller's customers, and such invoices shall be paid by
          Reseller within thirty (30) days of receipt. Past due amounts shall
          accrue interest at the rate of 1.5% per month. If collection efforts
          are required, Reseller shall be liable for all cost of collection,
          including reasonable attorney's fees.

VI.  Miscellaneous

     A.   This Agreement shall remain in force and effect for one (1) year from
          the date hereof, and thereafter, from year to year, on the same basis
          as set forth herein except that either party may cancel this Agreement
          at any time upon at least thirty (30) days notice, and Trans Union may
          cancel this Agreement or any customer solicited by Reseller
          immediately if it determines that the requirements of this Agreement
          or any law have not been met. Trans Union may also terminate this
          Agreement immediately without notice if invoices hereunder are not
          paid as of the due date.

     B.   The parties hereto agree that this instrument is the full and complete
          Agreement between them regarding the furnishing of credit information
          for resale, supersedes all prior agreements or discussions, and is not
          to be altered, varied, or enlarged upon by any verbal promises,
          statements, or representations not expressed herein.

     C.   Trans Union may make available ancillary products for resale by
          Reseller, subject to such conditions as Trans Union may impose from
          time to time. If Reseller refuses to agree to or fails to comply with
          such conditions, Trans Union shall have no obligation to make such
          ancillary product available to Reseller.

                                       7
<PAGE>   24
D.   The parties acknowledge the special and unique purposes of this Agreement
     and, therefore, agree that, notwithstanding any other provisions to the
     contrary contained in this Agreement, neither this Agreement nor any of the
     rights or obligations hereunder may be assigned by Reseller without the
     prior written consent of Trans Union. Any attempt by Reseller to assign
     this Agreement without Trans Union's written consent is grounds for
     immediate termination.

E.   Each of the parties to this Agreement are independent contractors and
     nothing contained in this Agreement shall be construed as creating a joint
     venture, partnership, licensor-licensee, principal-agent or mutual agency
     relationship between or among the parties hereto and no party shall, 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, shall be deemed to be an employee of the other party
     by virtue of this Agreement.

F.   Trans Union may audit Reseller's compliance with the requirements of this
     Agreement, upon reasonable notice and during normal business hours. Trans
     Union may also audit Reseller to ensure that Reseller accurately outputs
     Trans Union data on any report sold by Reseller, including merged reports.
     The parties recognize that Trans Union will suffer irreparable harm, and
     that monetary damages may be incalculable and/or inadequate in the event
     that Reseller retains Trans Union data in breach of Paragraph I(B) or I(D)
     of this Agreement,and therefore, such breach shall be entitled to remedy by
     injunctive relief, in addition to any and all other relief which may be
     available at law or at equity.

G.   Reseller may use the Trans Union name and trademarked product names in its
     efforts to market Trans Union products; provided, however, that Trans Union
     may require that such use indicate that the mark is the trademark,
     servicemark, or registered servicemark of Trans Union LLC. Trans Union may
     prohibit the use of such mark if, in Trans Union's sole discretion,
     Reseller's use of the mark is detrimental to Trans Union in any way.

Agreed to on the date indicated below:

Reseller Name: Towne Services, Inc.                Trans Union LLC
              -----------------------

Signature: /s/ Bruce F. Lowthers          Signature: /s/ Michael J. Jones
          ---------------------------               ---------------------------

Print: Bruce Lowthers                     Print: Michael J. Jones
      -------------------------------           -------------------------------

Title: CFO                                Title: Group VP
      -------------------------------           -------------------------------

Date: 12-8-99                             Date:  12-20-99
     --------------------------------          --------------------------------

Address: 3950 Johns Creek Ct. #100
        -----------------------------

         Suwanee, GA 30024
        -----------------------------

                                       8

<PAGE>   25
                        EXHIBIT A TO RESELLER AGREEMENT

                     (REQUIRED TERMS FOR RESELLER AGREEMENT
            FOR CONSUMER REPORTS BETWEEN RESELLER AND ITS CUSTOMER)

1.   Reseller has access to consumer reports from one or more consumer credit
     reporting agencies.

2.   Subscriber is a            and has a permissible purpose for obtaining
     consumer reports, as defined by Section 604 of the Federal Fair Credit
     Reporting Act (15 USC 1681b) as amended by the Consumer Credit Reporting
     Reform Act of 1996, hereinafter called "FCRA." The subscriber certifies
     their permissible purpose as:

     -    In connection with a credit transaction involving the consumer on
          whom the information is to be furnished and involving the extension
          of credit to, or review or collection of an account of the consumer;
          or

     -    In connection with the underwriting of insurance involving the
          consumer or review of existing policy holders for insurance
          underwriting purposes, or in connection with an insurance claim
          where written permission of the consumer has been obtained; or

     -    In connection with a tenant screen application involving the
          consumer; or

     -    In accordance with the written instructions of the consumer; or

     -    For a legitimate business need in connection with a business
          transaction that is initiated by the consumer; or

     -    As a potential investor, servicer or current insurer in connection
          with a valuation of, or assessment of, the credit or prepayment risks.

3.   Subscriber certifies that it will request consumer reports pursuant to
     procedures prescribed by Reseller from time to time only for the
     permissible purpose certified above, and will use the reports obtained for
     no other purpose.

4.   Subscriber will maintain copies of all written authorizations for a minimum
     of three (3) years from the date of inquiry.

5.   THE FCRA PROVIDES THAT ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS
     INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE
     PRETENSES SHALL BE FINED UNDER TITLE 18, OR IMPRISONED NOT MORE THAN
     TWO YEARS, OR BOTH.

6.   Subscriber agrees that it shall use Consumer Report only for a one-time
     use, and to hold the report in strict confidence, and not to disclose it
     to any third parties; provided, however, that Subscriber may, but is not
     required to, disclose the report to the subject of the report only in
     connection with an adverse action based on the report.

7.   With just cause, such as delinquency or violation of the terms of this
     contract or a legal requirement, Reseller may, upon its election,
     discontinue serving the Subscriber and cancel this Agreement immediately.

<PAGE>   26
                        EXHIBIT B TO RESELLER AGREEMENT

                     (REQUIRED TERMS FOR RESELLER AGREEMENT
              FOR CONSUMER REPORTS FOR EMPLOYMENT PURPOSES (PEER)
                       BETWEEN RESELLER AND ITS CUSTOMER)

1.   Reseller has access to consumer reports from one or more consumer credit
     reporting agencies.

2.   Subscriber is a            and has a need for consumer credit information
     in connection with the evaluation of individuals for employment, promotion,
     reassignment or retention as an employee ("Consumer Report for Employment
     Purposes").

3.   Subscriber shall request Consumer Report for Employment Purposes pursuant
     to procedures prescribed by Reseller from time to time only when it is
     considering the individual inquired upon for employment, promotion,
     reassignment or retention as an employee, and for no other purpose.

4.   Subscriber certifies that it will not request a Consumer Report for
     Employment Purposes unless:

     A.   A clear and conspicuous disclosure is first made in writing to the
          consumer before the report is obtained, in a document that consists
          solely of the disclosure, that a consumer report may be obtained for
          employment purposes;

     B.   The consumer has authorized in writing the procurement of the report;
          and

     C.   Information from the Consumer Report for Employment Purposes will
          not be used in violation of any applicable federal or state equal
          employment opportunity law or regulation.

5.   Subscriber further certifies that before taking adverse action in whole or
     in part based on the Consumer Report for Employment Purposes, it will
     provide the consumer:

     A.   A copy of the Consumer Report for Employment Purposes; and

     B.   A copy of the consumer's rights, in the format approval by the FTC,
          which notice shall be supplied to Subscriber by Reseller.

6.   Subscriber agrees that it shall use Consumer Report for Employment Purposes
     only for a one-time use, and to hold the report in strict confidence, and
     not to disclose it to any third parties not involved in the current
     employment decision.

7.   Subscriber will maintain copies of all written authorizations for a
     minimum of three (3) years from the date of inquiry.

8.   With just cause, such as delinquency or violation of the terms of this
     contract or a legal requirement, Reseller may, upon its election,
     discontinue serving the Subscriber and cancel this Agreement immediately.

<PAGE>   27
                        EXHIBIT C TO RESELLER AGREEMENT

                              (REQUIRED STEPS FOR
               RESELLER TO VERIFY THE IDENTITY OF ITS CUSTOMERS)

1.   The actions taken to verify the type of customer will be notated on either
     the Subscriber Agreement or separate documentation within the membership
     file that will be maintained with the Subscriber Agreement. Records which
     document the investigation, and the Subscriber Agreement, must be retained
     as long as the customer continues to maintain access and for three (3)
     years thereafter. Those records (or copies thereof) must be made available
     to appropriate Trans Union personnel on request.

2.   Confirm that the stated permissible purpose for obtaining consumer reports
     is compatible with the type of business conducted by the potential
     customer.

3.   Conduct a physical inspection of the company's premises to assure that it
     is a legitimate business facility (not a residence) and that the
     furnishings, etc. are commensurate with the size and purported type of
     business, and in order to determine if it is an Unauthorized User.
     Documentation must be maintained demonstrating when and by whom the
     physical inspection was conducted and describing the company's premises.
     This is a material requirement of this Agreement.

4.   Confirm that advertisements or signs are compatible with purported
     business.

5.   Verify that the company has a business checking account and that the
     account balance is compatible with the size and nature of the company.

6.   Verify business references to ensure that the potential customer has
     clientele which would support the stated business.

7.   Verify business phone numbers by checking the phone directory or other
     phone records.

8.   Check the yellow pages listings for the area where the customer is located
     to see if the prospective customer is listed under any of the categories
     identified previously as Unauthorized Users. If Reseller does not have
     access to the yellow pages listings for that area, Reseller may, instead,
     use an Internet Yellow Pages listing.

9.   Check the Internet to determine if the prospective customer has a web page.
     If the prospective customer does have a web page, view the page to verify
     that the information on the web page is compatible with purported business,
     that the prospective customer is not an Unauthorized User, and that the
     prospective customer is a legitimate business.

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