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                                                               EXHIBIT (10)(a)

                        [SUTHERLAND ASBILL & BRENNAN LLP]

                   CONSENT OF SUTHERLAND ASBILL & BRENNAN LLP

        We consent to the reference to our firm under the heading "Legal
Matters" in the prospectus included in Pre-Effective Amendment No. 1 to the
Registration Statement on Form N-4 for certain variable annuity contracts issued
through ML of New York Variable Annuity Separate Account C of ML Life Insurance
Company of New York (File No. 333-90430). In giving this consent, we do not
admit that we are in the category of persons whose consent is required under
Section 7 of the Securities Act of 1933.

                                            SUTHERLAND ASBILL & BRENNAN LLP

                                            By:    /s/ Stephen E. Roth
                                                ------------------------------
                                                   Stephen E. Roth, Esq.

Washington, D.C.
August 26, 2002<PAGE>

                                                              EXHIBIT (10)(b)

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Pre-Effective Amendment No. 1 to Registration
Statement No. 333-90430 of ML of New York Variable Annuity Separate Account C on
Form N-4 of our report on ML Life Insurance Company of New York dated February
25, 2002, appearing in the Statement of Additional Information, which is a part
of such Registration Statement, and to the reference to us under the heading
"Experts" in the Prospectus, which is a part of such Registration Statement.

/s/ Deloitte & Touche, LLP

New York, New York
August 26, 2002<PAGE>
                                                                    Exhibit 10.1

                                 AMENDMENT NO. 1

                                       TO

                          AGREEMENT AND PLAN OF MERGER

This AMENDMENT NO. 1 TO THE AGREEMENT AND PLAN OF MERGER, dated as of August 22,
2002 (the "Amendment"), by and among Factual Data Corp., a Colorado corporation
(the "Company"), Fidelity National Information Solutions, Inc., a Delaware
corporation ("FNIS"), FD Acquisition Corp., a Colorado corporation and
wholly-owned subsidiary of FNIS ("First Merger Sub"), Factual Data Acquisition
Corp., a Delaware corporation and wholly-owned subsidiary of FNIS ("Second
Merger Sub"), and certain individuals set forth on the signature page hereof
(collectively, the "Parties"). Capitalized terms used herein shall have the
meanings given them in the Merger Agreement (as defined below).

                                    Recitals

WHEREAS, the Parties are parties to that certain Agreement and Plan of Merger,
dated as of July 23, 2002 (the "Merger Agreement"); and

WHEREAS, the Parties desire to amend certain terms of the Merger Agreement.

NOW, THEREFORE, the parties hereto agree as follows.

                                    Agreement

1.       The preamble of the Merger Agreement is hereby amended in its entirety
to read as follows:

         "AGREEMENT AND PLAN OF MERGER dated as of July 23, 2002, by and among
         Factual Data Corp., a Colorado corporation (the "Company"), Fidelity
         National Information Solutions, Inc., a Delaware corporation ("FNIS"),
         FD Acquisition Corp., a Colorado corporation and wholly-owned
         subsidiary of FNIS ("First Merger Sub"), Factual Data Acquisition
         Corp., a Delaware corporation and wholly-owned subsidiary of FNIS
         ("Second Merger Sub") and certain other individuals set forth on the
         signature page hereof (the "Agreement")."

2.       Section 7.3(a) of the Merger Agreement is hereby amended in its
entirety to read as follows:

                  "The Company agrees that, during the period beginning on the
         date

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         of this Agreement and ending on and including October 31, 2002 or
         the earlier termination of this Agreement pursuant to Article XI, it
         shall not, nor shall it permit any of its Subsidiaries to, nor shall it
         authorize or permit any officer, director, employee, investment banker,
         attorney, accountant, affiliate, agent or other advisor or
         representative of the Company or any of its Subsidiaries, directly or
         indirectly, to (and the Company will instruct its officers, directors,
         employees, investment bankers, attorneys, affiliates, accountants,
         agents and other advisors and representatives of the Company and each
         of its Subsidiaries not to) (i) take any action to submit, solicit,
         initiate, discuss, facilitate or encourage the submission of any
         Proposal from any Person relating to a sale, lease or encumbrance of
         all or any material portion of the business or assets of the Company
         and/or of its Subsidiaries (whether by merger, sale of stock or assets,
         tender offer or otherwise), or issue, deliver or sell, or authorize the
         issuance, delivery or sale of, any shares of its capital stock of any
         class or any securities convertible into or exercisable for, or any
         rights, warrants or options to acquire, any such capital stock or any
         such convertible securities, other than to FNIS and/or its Subsidiaries
         and the issuance of Company Common Shares upon the exercise of
         presently outstanding vested stock options (which shall be deemed to
         include the Special Options granted on May 4, 2001 as set forth in
         Section 4.5 of the Company Disclosure Schedule) or presently
         outstanding warrants (other than warrants to be terminated as of the
         Closing as provided for in this Agreement) (collectively, a "Competing
         Transaction") (ii) engage in any negotiations or discussions regarding,
         or furnish to any Person any non-public information with respect to, or
         take any other action knowingly to facilitate any inquiries or the
         making of any Proposal that constitutes, or may be reasonably expected
         to lead to, any Competing Transaction, (iii) grant any waiver or
         release under any standstill or similar agreement with respect to any
         class of the Company's equity securities, (iv) except as required by
         the HSR Act or federal securities laws, disclose to any Person other
         than FNIS and the Company's professional advisors the material terms of
         the transactions contemplated hereby or of the Letter of Intent by and
         between FNIS and the Company dated May 15, 2002, or (v) other than in
         the manner contemplated by Section 7.3(d), enter into any agreement
         with respect to any of the foregoing; provided, however, that the
         Company may take any actions described in the foregoing clauses (i),
         (ii), (iii), (iv) or (v) in respect of any Person who makes a Proposal
         for a Competing Transaction, but only if (x) the Board of Directors of
         the Company by a majority vote determines in its good faith judgment,
         that either (A) such Proposal constitutes a Superior Proposal and
         provides written notice of termination of this Agreement in accordance
         with Section 7.3(d) and Section 11.1, or (B) such Proposal could
         reasonably be expected to result in a Superior Proposal, and (y) prior
         to furnishing any non-public information to such Person, such Person
         shall have entered into a confidentiality agreement with the Company on

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         terms no less favorable to the Company than the Mutual Confidentiality
         Agreement by and between the Company and FNIS dated as of May 7, 2002
         (the "Confidentiality Agreement")."

3.       Section 10.2(c) of the Merger Agreement is hereby amended in its
entirety to read as follows:

                  "The Company shall be satisfied with the results of the due
         diligence investigation conducted by the Company and its
         representatives pursuant to Section 9.4(a) (which condition shall not
         be deemed waived as a result of or otherwise affected by any disclosure
         made by FNIS to the Company, including in the FNIS Disclosure Schedule,
         on or prior to the date of this Agreement); provided, however, that
         this condition shall be deemed satisfied if this Agreement is not
         terminated on or before August 29, 2002 or in the event that FNIS
         elects the All Cash Consideration."

4.       Section 10.3(b) of the Merger Agreement is hereby amended in its
entirety to read as follows:

                  "FNIS shall be satisfied with the results of the due diligence
         investigation conducted by FNIS and its representatives pursuant to
         Section 9.4(a) (which condition shall not be deemed waived as a result
         of or otherwise affected by any disclosure made by the Company or the
         Indemnifying Shareholders to FNIS, including in the Company Disclosure
         Schedule, on or prior to the date of this Agreement); provided,
         however, that this condition shall be deemed satisfied if this
         Agreement is not terminated on or before August 29, 2002;"

5.       Section 11.1(b)(i) of the Merger Agreement is hereby amended in its
entirety to read as follows:

                  "the First Merger shall not have been consummated by October
         31, 2002 (the "End Date"); provided, however, that the right to
         terminate this Agreement under this Section 11.1(b)(i) shall not be
         available to any party whose breach of any provision of or whose
         failure to perform any obligation under this Agreement has been the
         cause of, or has resulted in, the failure of the First Merger to occur
         on or before the End Date; provided, further, that the parties may
         extend the End Date by mutual written agreement."

6.       Schedule 10.3(f) of the Merger Agreement is hereby amended to read in
its entirety as set forth on Schedule 6, attached hereto, of this Amendment.

7.       Limitation of Amendment.  Except as amended above, the terms of the
Merger Agreement shall remain in full force and effect.

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8.       Governing Law.  This Amendment and the rights of the parties hereunder
shall be governed in all respects by the laws of the State of Delaware wherein
the terms of this Amendment were negotiated.

9.       Counterparts.  This Amendment may be executed in any number of
counterparts, each of which shall be an original, but all of which together
shall constitute one instrument.

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         IN WITNESS WHEREOF, the Parties have caused this Amendment No. 1 to the
Agreement and Plan of Merger, dated as of July 23, 2002, to be duly executed as
of the day and year first above written.

                                            FIDELITY NATIONAL INFORMATION
                                            SOLUTIONS, INC.

                                            By:      /s/ Patrick F. Stone
                                                     ---------------------------
                                            Its:     Chief Executive Officer
                                                     ---------------------------

                                            FACTUAL DATA CORP.

                                            By:      /s/ James N. Donnan
                                                     ---------------------------
                                            Its:     President
                                                     ---------------------------

                                            FD ACQUISITION CORP.

                                            By:      /s/ Fernando Velez
                                                     ---------------------------
                                            Its:     Chief Executive Officer
                                                     ---------------------------

                                            FACTUAL DATA ACQUISITION CORP.

                                            By:      /s/ Fernando Velez
                                                     ---------------------------
                                            Its:     Chief Executive Officer
                                                     ---------------------------

                                            J.H. DONNAN, AN INDIVIDUAL

                                            /s/ J.H. Donnan
                                            ------------------------------------

                                            JAMES N. DONNAN, AN INDIVIDUAL

                                            /s/ James N. Donnan
                                            ------------------------------------

                                            RUSSELL E. DONNAN, AN INDIVIDUAL

                                            ------------------------------------

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