Document:

Exhibit 10.21 12/31/2000 10-KSB

EXHIBIT 10.21

Business Solver/Holmes Murphy - Avert

Distribution Partnership Agreement

Holmes Murphy and Avert
desire to enter into an agreement for the distribution of Avert Services and
Products to Holmes Murphy customers and prospects. The following terms and
conditions are agreed to for the purpose of constructing a Distribution
Partnership agreement. 

Overview

	o	
This agreement includes the marketing of AvertAdvantage memberships to Holmes
Murphy current clients and potential clients.

	o	
Avert shall be responsible to develop and maintain products, services and any
mutually agreed to integration between Holmes Murphy and Avert processing
environments.

	o	
Holmes Murphy shall be responsible to market and obtain orders for
AvertAdvantage memberships to its customer and prospect base. Holmes Murphy
delivered customer shall be defined as a customer who has executed a Holmes
Murphy / Avert co-branded user agreement.

	o	
Holmes Murphy may elect as an alternative to providing a “delivered
customer” to Avert to provide a qualified lead for follow up by Avert New
Customer Sales Representatives.

Product
Offering and Product Price

	o	
Advantage memberships shall include unlimited First Check social security checks
and a 15% discount on all additional Avert products through the Avertnet
OrderXpert site.

	o	
Holmes Murphy may elect to resell Advantage memberships directly to its target
market or may elect to package Advantage as part of its other subscription
program. In either case it is agreed that the customer perception of the value
of such offering is at least $10.00 per month.

Avert may increase prices
for Advantage memberships consistent with its AvertAdvantage memberships
pricing. Avert will notify Holmes Murphy of such price increase 90 days prior to
the effective date of the price change. 

Revenue
Sharing or Commission programs

	o	
Holmes Murphy shall be entitled to 40% of the list price for Advantage
memberships (currently $10.00 per month list price) for all “delivered
customers” or leads that result in an Advantage customer. Payment will be
in the form of a commission for all “delivered customers” billed
through customary Avert billing methods. Payment will be in the form of a 40%
discount off list price for Advantage memberships if memberships are sold as a
part of other Holmes Murphy subscription programs.

	o	
In the event Holmes Murphy forwards a client contact as a lead to Avert NCS and
client subsequently agrees to an Advantage memberships payment to Holmes Murphy
shall commence on the sixth month of customer payments to Avert. 

	o	
Holmes Murphy shall also earn a commission for all additional products ordered
by Holmes Murphy “delivered customers” or leads. The commission will
be 5% of product revenues for the first twelve months and 10% of product revenue
thereafter as long as the customer continues the Advantage membership.

Holmes Murphy Agrees
to:

	o	
Forward completed order documents including any documents for FCRA compliance
for all “delivered customers”.

	o	
Email Holmes Murphy clients with any start up and/or customer training materials
for all “delivered customers”.

	o	
Forward contact information by email to Avert New Customer Sales for all
Businessolver.com generated leads within 24 hours of lead identification.

	o	
Be responsible for the
costs associated with the production of all sales literature and sales training. 

	o	
Make payments to Avert for
products and services ordered under this agreement within 30 days of invoice.

	o	
Allow on-site visits at Averts option to Holmes Murphy place of business

	o	
Market Advantage memberships to its customers and clients through the
Businessolver.com web site.

o  

	o	
Keep Avert informed of problems encountered with Avert products and services
and/or web site functionality.

	o	
Indemnification of Avert from Holmes Murphy non compliance under FCRA

Avert Agrees to::

	o	
Assist with development of marketing materials and sales training materials

	o	
Follow up on all Holmes
Murphy leads within 24 hours ( one business day) of receipt of each lead.

	o	
Provide additional billable sales support for certain accounts when requested by
Holmes Murphy

	o	
Perform all customer set up activities within 48 hours of receipt of a
“delivered customer” user agreement.

	o	
Upsell Holmes Murphy “delivered customers” and lead conversions with
the same frequency and urgency as its own direct customers.

	o	
Process and fulfill orders in the same manner and urgency as its direct
customers

	o	
Provide copies of all compliance documents in electronic format to Holmes Murphy
for distribution to Holmes Murphy acquired clients.

	o	
Allow visits at Holmes Murphy option to Avert headquarters

	o	
Inform Holmes Murphy of problems with Avert products or services, changes in
products and services and required changes in marketing or sales documents
relating to changes in products and services

	o	
Assist Holmes Murphy in
integrating Avert OrderXpert into Holmes Murphy processing environment.

	o	
Indemnification of Holmes
Murphy from costs associated with Avert non-compliance under the FCRA.

Events of
Default and remedies of default

	o	
Either party may terminate the agreement for reasons of default. Injured party
will provide written notification of default. The party in default shall have 30
days to remedy the default condition prior to termination of the agreement.

	o	
Parties will treat each other’s confidential information as equivalent its
own confidential material for five years from the receipt of such information.
Confidential materials do not include information in the public domain or
disclosed by third parties not a party to this agreement. In the event of
termination all confidential materials shall be returned to the owner party.

	o	
Nether party shall hire an employee of the other party during the term of this
agreement or for one year following the termination of this agreement.

	o	
Official notification for each party shall be Heidi Buttolph for Holmes Murphy
and Leonard Koch for Avert Inc.

Term and
Termination

	o	
The term of the agreement shall be for one year with an automatic one-year
renewal unless either party provides 30 days prior written notice of
cancellation. Cancellation may for any reason.

	o	
The agreement shall terminate, if not terminated as per the provisions of the
agreement, after seven years from the effective date of the agreement.

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Holmes & Murphy
                
                
                
                
             
Avert Inc.

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dateExhibit 10.22 12/31/2000 10-KSB

EXHIBIT 10.22

MVR Reseller
Agreement

This Motor Vehicle Record
Service Agreement (“Agreement”) is entered into between ChoicePoint
Services Inc., a Georgia Corporation with a business address at 1000 Alderman
Drive, Alpharetta, Georgia 30005 (“ChoicePoint”) and Avert, Inc., a
Colorado Corporation with a business address at 301 Remington Street, Fort
Collins, Colorado 80524 (“Reseller”). The effective date of this
Agreement shall be the date the Agreement is executed by the last party signing
(“Effective Date”). 

Background

	A. 	
ChoicePoint procures from state Departments of Motor Vehicles motor vehicle
records ("MVRs") relating to individual consumers; and

	B. 	
Reseller provides information products to end user employers and end user
prospective employers for screening of employees and prospective employees;
and

	C. 	
The parties wish to enter a business relationship under certain terms and
conditions set forth herein.

NOW THEREFORE, the
parties agree as follows:

Purchase of MVRs.

Generally.
During the Term, as defined in Section 1.3, Reseller shall request that
ChoicePoint provide Reseller with MVRs to the extent permitted by this
Agreement. ChoicePoint hereby grants Reseller a nonexclusive, nontransferable,
limited license to market and disseminate the MVRs solely to Authorized
Recipients, as defined in Section 3.3, for the purposes described in Sections
3.1 and 3.2 and only consistent with the terms of this Agreement. 

Term. The term
of this Agreement and associated limited license shall be for a period of one
(1) year, commencing upon the above-indicated Effective Date (“Term”).
The Term shall automatically renew for additional one-year terms (“Renewal
Terms”) unless either party gives 60 days prior written notice before the
expiration of the Term or any Renewal Term. 

Termination for
Cause. This Agreement and the limited license granted hereunder may also be
terminated as set forth below. Any such termination effected pursuant to this
Section will be in addition to any other legal remedies afforded the party
asserting this right to terminate. 

This Agreement may be
terminated by either party (the “non-breaching party”) upon written
notice of termination in the event that the other party (the “breaching
party”) fails to perform or observe any material term or provision of this
Agreement, and does not cure such breach in all material respects within thirty
(30) days following written notice from the non-breaching party demanding
correction of such breach. Such notice shall describe the breach in sufficient
detail to permit the breaching party to correct such breach. 

Notwithstanding Section
1.4.1, this Agreement and associated limited license may be terminated by
ChoicePoint upon twenty-four (24) hours’ written notice to Reseller if
ChoicePoint has reason to believe that Reseller has ordered, used or
disseminated any MVR, in whole or in part, contrary to this Agreement or in
violation of any federal, state, or local law or regulation. 

This Agreement may be
terminated by either party upon written notice of termination in the event that
the other party makes a general assignment for the benefit of creditors, or
files voluntary petition in bankruptcy or for reorganization or rearrangement
under the bankruptcy laws, or if a petition in bankruptcy is filed against such
other party and is not dismissed within sixty (60) days after the filing, or if
a receiver or trustee is appointed for all or any part of property or assets of
such other party. 

Effect of
Termination. Upon the termination of this Agreement in accordance with the
provisions hereof: (i) ChoicePoint shall cease to provide Reseller with any
further MVRs; and (ii) Reseller shall pay as provided in Section 5.4 or
immediately upon invoice to ChoicePoint all fees and charges, if any at that
time, which are accrued up to the effective date of termination and not yet paid
hereunder. 

Order and Delivery of MVRs.

	 	 	2.1	
Reseller Orders. Reseller shall submit MVR orders to ChoicePoint via
ChoicePoint’s web site located at www.order.choicepointinc.com. Reseller
shall order MVRs only when Reseller has received a request for such MVR from an
Authorized Recipient, as defined in Section 3.3.

	 	 	2.2	
ChoicePoint’s Processing Duties. Upon receipt of Reseller’s
orders, ChoicePoint will process with the relevant states the requests received
from Reseller. ChoicePoint will convert any state MVRs that are returned by a
state to ChoicePoint in a paper format (“Paper State”) to an
electronic data transmission format prior to communicating the MVR to Reseller.
Each return file will include the requested MVRs, to the extent such MVRs are
provided to ChoicePoint by the relevant states and to the extent such MVRs can
be provided lawfully to Reseller.

2

	 	
It
is specifically recognized that the availability of MVRs from the states (for
the purposes  identified in this Agreement) may change
during the term of this Agreement. In the event of a 
change in state or federal law or regulation that effectively prohibits
ChoicePoint’s  dissemination of MVRs to Reseller,
ChoicePoint’s inability to provide such MVRs shall not be 
considered a breach of this Agreement. If any state discontinues providing
MVRs to ChoicePoint,  for any reason, ChoicePoint’s
inability to provide such state’s MVRs to Reseller shall not be
 considered a breach of this Agreement. In addition, in the
event that ChoicePoint decides to  discontinue purchasing
MVRs from any state, for any reason, ChoicePoint’s inability to provide
 such state’s MVRs to Reseller shall not be considered
a breach of this Agreement.

	 	 	2.3	
Reseller’s Receipt of MVRs from ChoicePoint. Reseller shall receive
MVRs from ChoicePoint and shall disseminate such MVRs only to Authorized
Recipients, as defined in Section 3.3. ChoicePoint shall notify Reseller as soon
as reasonably practical of any changes to ChoicePoint’s protocol or format
that would affect Reseller’s ability to process and disseminate MVRs. If
such a change is initiated solely by ChoicePoint, ChoicePoint will provide at
least ninety (90) days’ prior written notice of the changes to Reseller.

Authorized Recipients and
Permitted Uses.

Processing of MVRs for the Employment Market.

	 	 	 	3.1.1	
ChoicePoint engages Reseller on a non-exclusive basis, and Reseller accepts such
engagement, to serve as a processor of MVRs for end user employers that shall
use MVRs solely for employment purposes, as contemplated by the Fair Credit
Reporting Act, 15 U.S.C. § 1681b(a)(3)(B) (“FCRA”)
(“Employers”).

	 	 	 	3.1.2	
Reseller shall have an agreement for service with each Employer containing the
restrictions and obligations outlined in Exhibit B attached hereto and
incorporated herein. Before establishing an account for any Employer, Reseller
must:

	 	
(i) confirm the identity of the Employer;

	 	
(ii)
obtain certification from the Employer that MVRs shall be used solely for
employment purposes involving the consumer to whom the MVR relates;

	 	
(iii)
obtain certification that the Employer is an end user of the MVR and does not
intend to resell or otherwise provide or transfer the MVR in whole or in part to
any other person or entity; and,

	 	
(iv)
confirm that MVRs will not be used for any purpose other than the purpose
specified to Reseller.

	 	
(v)
Obtain the name of the consumer on whom the Employer is ordering the MVR

	 	
(vi)
Retain all the information gathered in response to Section 3.1.2 (i),(ii),
(iii), (iv) and (v) for a period of three years from the date of the
Employer’s order.

3

	 	 	 	3.1.3	
ChoicePoint reserves the right to approve or reject any proposed Employers
identified by Reseller.

	 	 	3.2	
Adverse Action Notice Requirements. In each of its agreements for
service with Employers and  Insurers, Reseller shall
include language that states that if the Employer or Insurer uses MVRs to
 take adverse action against a consumer, said Employer will
notify, in writing, the adversely  affected consumer,
specifying that the MVR influenced the employment or underwriting decision.
 Further, said Employer must agree to provide the adversely
affected consumer with ChoicePoint’s  address and toll
free national telephone number such that ChoicePoint can make full disclosure of
 any information reported or held by ChoicePoint on said
consumer

	 	 	3.3	
Investigation of Employers. Reseller must conduct a thorough
investigation of the Employers, as defined in Section 3, (collectively
“Authorized Recipients”), to confirm that its Employers intend to use
the MVRs as described in Section 3.1 and to confirm that such Authorized
Recipients otherwise comply with applicable laws and regulations. Without
limiting the foregoing, before providing MVRs to its Authorized Recipients,
Reseller must determine that the Authorized Recipients are bona fide business
entities and are familiar with their responsibilities under the FCRA and
Driver’s Privacy Protection Act, 18 U.S.C. § 2721 et seq.,
(“DPPA”) and able to comply with such responsibilities. Reseller
warrants and represents that, before establishing a contractual relationship
with an Authorized Recipients to whom MVRs will be provided, Reseller undergoes
the investigative and compliance process described on Exhibit C attached hereto
and incorporated herein. Reseller shall provide to ChoicePoint at
ChoicePoint’s request, all materials and information relating to its
investigations of its Authorized Recipients.

General Restrictions.

        4.1
Compliance with Law. Reseller certifies that it shall order, receive,
disseminate, and otherwise handle the MVRs in compliance with all applicable
federal and state statutes and regulations including, but not limited to, the
FCRA and its state analogues, the DPPA and its state analogues, and statutes and
regulations governing fair information practices. Reseller shall be responsible
for understanding such statutes and regulations and for staying current
regarding any changes or amendments to such statutes and regulations. 

	 	 	4.2	
Compliance with Contractual Obligations. Reseller acknowledges and
understands that ChoicePoint’s ordering, receipt, and dissemination of MVRs
is governed by certain contracts between ChoicePoint and the various states
(“State Contracts”). Upon execution of this Agreement by Reseller,
ChoicePoint shall deliver to Reseller a copy of those State Contracts enumerated
on Exhibit D attached hereto and incorporated herein. ChoicePoint agrees that it
shall provide Reseller with any and all future State Contracts and amendments
thereto that are executed during the Term in a timely manner as such State
Contracts are received by ChoicePoint. ChoicePoint will deliver the State
Contracts to Reseller via certified mail, return receipt requested, to the
following address:

    
            
        
            
        
            
        
            
    Avert, Inc

    
            
        
            
        
            
        
            
    301 Remington Street

    
            
        
            
        
            
        
            
    Fort Collins, Colorado 80524

    
            
        
            
        
            
        
            
    Attention: Dean Suposs,/P>

	 	
Reseller
certifies that it shall order, receive, disseminate, and otherwise handle the
MVRs in compliance with all State Contracts. Compliance with State Contracts
requires, among other things, the execution of certification forms required by
certain states. If ChoicePoint and Reseller disagree as to the intent and/or
effect of a State Contract restriction, Reseller shall comply with such
restriction as interpreted by ChoicePoint. Reseller shall require its Authorized
Recipients to be in compliance with any and all restrictions/obligations imposed
by the State Contracts. In addition, Reseller shall be responsible for obtaining
the state certification forms from the Authorized Recipients.

4

	 	 	4.3	
Restrictions on MVR Retention. Reseller certifies that it will not,
either directly or indirectly, itself or through any agent or third party: (a)
request, compile, store, maintain or use the MVRs (including any of the
information therein) to build its own database; or, (b) copy or otherwise
reproduce the MVRs (including any of the information therein) other than to
serve the Authorized Recipient on whose behalf Reseller orders the MVR. In
addition, Reseller shall enter into an agreement for service with the Authorized
Recipients that prohibits said Authorized Recipients from performing any of the
acts described in this Section 4.3.

        4.4
Resale of MVR only to ordering Authorized Recipients. Reseller acknowledges
and agrees that it may not disseminate any MVR, in whole or in part, to any
entity other than the Authorized Recipients on whose behalf the MVR was ordered,
as outlined in Section 3. 

	 	
4.5
Internet Restrictions. Reseller understands that certain states prohibit
the sale, publication or dissemination of MVRs via the Internet. Such
prohibition may be a statutory or regulatory prohibition as contemplated in
Section 4.1 or a contractual restriction as contemplated in Section 4.2.
Reseller shall be responsible for determining those states that prohibit the
resale, publication or dissemination of MVRs via the Internet and shall comply
with such prohibitions when disseminating MVRs to Authorized Recipients. In
addition, Reseller shall enter into an agreement for service with the Authorized
Recipients that requires the Authorized Recipients to comply with such
prohibitions when using or disseminating MVRs. As of the date of execution of
this Agreement, the states of Colorado, Wyoming, Pennsylvania and West Virginia
prohibit the resale and dissemination of MVRs via the Internet.

	 	 	4.6	
Additional Restrictions. ChoicePoint, may, at any time, impose additional
restrictions and/or prohibitions on the use the MVRs, to the extent they are
imposed on ChoicePoint by third parties. Without limiting the foregoing, such
restrictions or prohibitions may arise out of local, state or federal statutes
or regulations and/or judicial or regulatory interpretations thereof. In
addition, ChoicePoint may at any time impose reasonable restrictions and/or
requirements on the use of MVRs to properly manage the integrity of the MVRs in
light of issues concerning privacy, confidentiality, and other issues to which
consumers may be sensitive. Reseller agrees to strictly comply with such
restrictions, and require that Authorized Recipients strictly comply with such
restrictions and/or requirements.

Price, Payment
and Maintenance of Records.

MVR Price.
ChoicePoint shall invoice and Reseller shall pay to ChoicePoint all charges and
in the manner specified in Exhibit E attached hereto and incorporated herein
during the Term. ChoicePoint shall pay directly to each state any and all state
deposits, state funding accounts, bonds or accounts receivables required by such
states (“State Fees”). 

Processor Account
Fee. Reseller acknowledges that, due to the highly regulated nature of MVRs,
ChoicePoint incurs a significant cost to manage Reseller as a processor.
Therefore, Reseller shall pay to ChoicePoint an annual fee (“Processor
Fee”) of $500.00 as compensation for the management cost incurred by
ChoicePoint as a result of this Agreement. Additionally, Reseller shall pay to
ChoicePoint $50.00 per Employer account open/assigned (“Account Fee”)
which accounts shall be sold in increments on 100. The Processor and Account Fee
of at least $5500 {$500 plus $5000 (50 times 100 accounts} shall be paid to
ChoicePoint upon execution of this Agreement. The annual Processor Fee shall be
paid upon the anniversary of the effective date of this Agreement. These fees
shall be nonrefundable, regardless of whether this Agreement terminates prior to
the expiration of the Term. 5.3 Escrow
Amount. Should Reseller fail to comply with any requirement of
Section 3 or 4 of this Agreement, 

5

	 	
Reseller
agrees that such failure is a material breach of this Agreement and such breach
shall  result in immediate termination of this Agreement.
Reseller further agrees that such breach would  cause
ChoicePoint irreparable harm and that damages are not readily determinable and
agrees to pay  ChoicePoint the sum of $100,000 as
liquidated damages for such breach.

	 	 	5.4	
Payment Schedule. Due to the high cost of state registry fees,
ChoicePoint shall invoice Reseller weekly and shall electronically debit the
weekly invoice amount from Resellers account. Reseller shall provide ChoicePoint
with all necessary documentation attached hereto in Exhibit A, to allow
ChoicePoint to electronically debit its account and shall have the right to
contest any invoice that ChoicePoint provides through the applicable statute of
limitation period.

	 	 	5.5	
Records and Right to Audit. Reseller shall maintain business and
financial records pertaining to its purchase and dissemination of MVRs for a
continuing (rolling) period of five (5) years beginning with the Effective Date
of this Agreement. Such records shall contain information sufficient to verify
that the use of MVRs complies with this Agreement. Without limiting the
foregoing, such records will include records indicating each Authorized
Recipients to whom Reseller provided MVRs and the purpose for which such MVRs
were obtained. These records shall be made available to ChoicePoint and/or any
requesting state upon ChoicePoint’s request. ChoicePoint shall have the
right, upon reasonable advance notice to Reseller, to examine such records
during regular business hours. In addition, upon reasonable advance notice,
ChoicePoint shall have the right to audit Reseller with regard to
Reseller’s performance of and compliance with this
Agreement.

6.
Representations, Warranties and Exclusions.

Mutual
Representations and Warranties. Each party hereby represents and warrants to
the other party that (a) it has the full right, power and authority to enter
into and perform this Agreement, and (b) this Agreement has been duly
authorized, executed and delivered and constitutes the valid and binding
obligation of each party and is enforceable in accordance with its terms. 

Warranties and
Limitations by ChoicePoint.

Warranties.
ChoicePoint represents and warrants that, to its knowledge, it has the right and
authority to grant the rights described in this Agreement and to provide
Reseller with MVRs; ChoicePoint further warrants to Reseller that MVRs delivered
to Reseller hereunder and information contained therein will be as complete,
accurate, and current as is reasonably obtainable in view of ChoicePoint’s
customary method of compilation and the nature and accuracy of the providing
state’s data; PROVIDED, HOWEVER, CHOICEPOINT DOES NOT GUARANTEE OR WARRANT
THE ACCURACY, TIMELINESS, COMPLETENESS, CURRENTNESS, FUNCTIONALITY,
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE MVR(S) AND SHALL NOT
BE LIABLE TO RESELLER OR TO ITS AUTHORIZED RECIPIENTS FOR ANY LOSS OR INJURY
ARISING OUT OF THE USE OF THE MVR(S) BY RESELLER OR ITS AUTHORIZED THIRD PARTIES
OR CAUSED IN WHOLE OR IN PART BY CHOICEPOINT’S ACTS OR OMISSIONS, WHETHER
NEGLIGENT OR OTHERWISE, IN DEVELOPING GATHERING, PROCESSING, COMMUNICATING OR
DELIVERING THE MVR(S). 

6

Limitation of Liability,
Exclusive Remedy. CHOICEPOINT’S SOLE OBLIGATION, AND RESELLERS
EXCLUSIVE REMEDY, FOR A NONCONFORMITY IN THE MVR(S) SHALL BE, AT
CHOICEPOINT’S ELECTION, REPERFORMANCE OF THE NONCONFORMING ACTIVITY OR
REFUNDING TO RESELLER THE AMOUNTS PAID BY RESELLER FOR THE NONCONFORMING
ACTIVITY. CHOICEPOINT SHALL NOT BE LIABLE TO RESELLER OR ITS AUTHORIZED
RECIPIENTS FOR LOST PROFITS, DIRECT, INDIRECT, SPECIAL, OR CONSEQUENTIAL
DAMAGES, ARISING OUT OF OR IN ANY WAY CONNECTED WITH CHOICEPOINT’S BREACH
OF THIS AGREEMENT, THE AFOREMENTIONED WARRANTIES OR THE LICENSES GRANTED HEREIN. 

Indemnification.
Reseller specifically acknowledges that the terms, conditions and prices set
forth in this Agreement are predicated, in part, upon the allocation of risks
set forth in this Paragraph 6.3. 

By Reseller.
Reseller agrees to indemnify and hold ChoicePoint harmless from and against any
and all losses, claims, damages and liabilities that ChoicePoint may suffer or
incur based upon any third party claim, charge or suit instituted against
ChoicePoint arising out of or resulting from: (i) any breach of a duty arising
hereunder by Reseller or its Authorized Recipients; and/or (ii) any negligent or
willful misuse/dissemination of MVRs by Reseller or any third party having
access to same by, through or under Reseller; provided, however, this
indemnification obligation shall not extend to third party claims arising out of
a breach of this Agreement by ChoicePoint. 

Notice. ChoicePoint
agrees to notify Reseller in writing of any such claim, action, proceeding or
demand as soon as reasonably practicable upon receipt of or knowledge of same
and afford Reseller the opportunity to defend or participate in the defense of
such claim, action proceeding or demand, and further, ChoicePoint agrees that no
settlement or payment of any claim, action, proceeding or demand shall be
binding upon Reseller, unless prior approval and consent is obtained from
Reseller, which consent shall not be unreasonably withheld. In addition thereto,
ChoicePoint shall cooperate with Reseller in every reasonable manner (at
Reseller’s sole expense) to facilitate the defense of any claim, charge, or
suit brought hereunder. 

Title Warranty And
Indemnity. ChoicePoint warrants that, to its knowledge, it has full power to
provide MVRs as provided in this Agreement and that the provision of MVRs
hereunder does not infringe on any United States patent, copyright, or other
intellectual property right. ChoicePoint shall defend, protect, indemnify and
hold Reseller harmless against all costs, expenses and damages attributable to
any claim of infringement of any United States patent, copyright or other
intellectual property right which arises out of Reseller’s use of MVRs in
accordance with this Agreement, provided that ChoicePoint is given prompt notice
and full control over the defense of any such claim and receives Reseller’s
full cooperation (at ChoicePoint’s sole expense) in the defense thereof.
THE FOREGOING STATES CHOICEPOINT’S ENTIRE LIABILITY TO RESELLER OR ITS
AUTHORIZED RECIPIENTS FOR ANY CLAIM OF INFRINGEMENT OF ANY PROPRIETARY RIGHTS
ASSERTED BY A THIRD PARTY. 

Proprietary
Rights and Confidentiality.

ChoicePoint
Confidential Information. ChoicePoint regards, and hereby identifies as
proprietary and confidential those methods and processes for collecting,
decoding, assembling and accessing MVRs. Reseller agrees to exercise due and
reasonable care in protecting the ChoicePoint confidential and proprietary
information from unauthorized use or disclosure. 

7

Use of Parties'
Marks. Neither party will issue advertising or other written documents that
contain any reference to the other party or contains any mark or copyright of
the other party except with the other party's written approval. 

Confidentiality of
Agreement. The existence of this Agreement shall not be considered
confidential but the terms and conditions of this Agreement, including the MVR
Price, shall be kept confidential and shall not be disclosed by either party to
any third party, excluding an affiliate or subsidiary of such party, without the
prior written consent of the other party, except pursuant to proper judicial
process. In addition, Reseller shall not advertise, or otherwise disclose to any
third party, that ChoicePoint is the source of the MVRs unless Reseller first
obtains the express, written permission of ChoicePoint. 

      7.4
Survival. The obligations of this Section 7 shall survive any termination
of this Agreement.

Miscellaneous.

Relationship of
Parties. The relationship of the parties hereto shall be that of independent
contractors. Nothing herein shall be construed to create any partnership, joint
venture, or similar relationship or to subject the parties to any implied duties
or obligations respecting the conduct of their affairs, which are not expressly
stated herein. Neither party shall have any right or authority to assume or
create any obligation or responsibility, either express or implied, on behalf of
or in the name of the other party, or to bind the other party in any matter or
thing whatsoever. 

Notices.
Notice to ChoicePoint and to Reseller under or relating to this Agreement shall
be in writing to the addresses set forth below unless a different address is
indicated in writing. All notices under this Agreement shall be effective upon
receipt. 

        To ChoicePoint:                         To Reseller:

                                                Attn.: Dean Suposs
        ChoicePoint Services Inc.               Avert, Inc.
        1000 Alderman Drive                     301 Remington Street
        Alpharetta, Georgia  30005              Fort Collins, Colorado  80524
        Attn:  General Counsel

Severability.
The terms and conditions of this Agreement are severable. If any term or
condition of this Agreement is deemed to be illegal or unenforceable under any
rule of law, all other terms shall remain in force. Further, the term or
condition that is held to be illegal or unenforceable shall remain in effect as
far as possible in accordance with the intention of the parties. 

Entire
Agreement. The parties hereto agree that this Agreement represents the
complete and exclusive statement of the agreement between the parties, and
supersedes all prior proposals and understandings, oral or written, relating to
the subject matter of this Agreement. 

Modification of
Agreement. This Agreement may be amended only by a writing executed by the
parties hereto. 

Effect of
Waiver. Failure by either party to enforce any provision of this Agreement
shall not be deemed a waiver of that provision or of any other provision of this
Agreement. 

Force Majeure.
Neither party shall be responsible for any delay or failure in performance
resulting from acts beyond the control of such party. Such acts shall include
but not be limited to: an act of God; an act of war; a riot; an epidemic, fire,
flood or other disaster; an act of government, a strike or lockout.

	 	 	8.8	
Assignment or Change of Control. Reseller may not assign or subcontract
this Agreement without theadvance, written permission of ChoicePoint, and any
such purported assignment or delegation,  including full or
partial assignment or delegation to any agent or subcontractor is void. Written
permission of ChoicePoint shall also be required in
connection with a merger, reorganization, or  sale or
transfer of substantially all of Reseller’s assets or line of
business.

8

	 	 	8.9	
Compliance with ChoicePoint’s Privacy Principles. Reseller acknowledges
and agrees that ChoicePoint has adopted the “ChoicePoint Privacy
Principles” (“Principles”), which includes Principle No. 5.
Reseller agrees that it will not commit or permit its directors, officers,
employees, agents or Authorized Recipients to commit any action that causes
ChoicePoint or Reseller to be in violation of such Principle. A copy of
Principle No. 5 is attached hereto as Exhibit F and incorporated herein.

	 	 	8.10	
Governing Law. This Agreement shall be governed by and construed in
accordance with the laws of the State of Georgia without respect to its choice
of law provisions.

	 	 	8.11	
Survival. In addition to the terms of Section 7, all rights and
obligations of the parties pertaining to i) the protection or use of proprietary
or confidential data, or ii) the improper or unlawful use of MVRs shall survive
the termination or expiration of this Agreement.

	 	 	8.12	
Counterparts. This Agreement may be executed in two or more counterparts,
each of which shall take effect as an original, and all of which, together,
shall evidence one and same instrument.

	 	 	8.13	
ChoicePoint’s Right to Sell MVRs. Nothing in this Agreement shall
limit ChoicePoint’s right to market, sell, and/or disseminate MVRs, in
whole or in part.

	 	 	8.14	
Employee Instructions. Reseller shall issue appropriate instructions to
its employees having access to MVRs concerning restrictions contained herein and
shall institute appropriate security measures, at least equivalent to those
normally used by Reseller in the same or similar circumstances with respect to
its own information (provided such measures provide at least a reasonable degree
of care), to prevent the accidental or otherwise unauthorized use or disclosure
of MVRs.

9

          AGREED
UPON AND EXECUTED as of the dates indicated below by the duly authorized
representatives of the parties hereto.

For:                                         For:
ChoicePoint Services Inc.                    Avert, Inc.

Signed:                                      Signed:

________________________________________     ___________________________________________
Name:                                        Name: Dean Suposs
________________________________________     ___________________________________________
Title:                                       Title: President, CEO
________________________________________     ___________________________________________

Date:                                        Date: May 25, 2000
________________________________________     ___________________________________________

10

EXHIBIT A

AUTOMATED CLEARING HOUSE FORM

11

EXHIBIT B

CONTRACTUAL RESTRICTIONS

        1.
Authorized Recipient certifies that it shall order, receive and use MVRs in
compliance with all applicable federal and state statutes and regulations
including, but not limited to, the FCRA and its state analogues, the DPPA and
its state analogues, and statutes and regulations governing fair information
practices. 

        2.
Authorized Recipient certifies that, upon request of Reseller, it shall
execute any and all certification forms required by states from which Employer
receives MVRs. 

        3.
Authorized Recipient shall be prohibited from selling, disseminating, or
otherwise distribution any MVR, in whole or in part, to any third party.
Employer shall order, receive, and use MVRs solely as an end user. 

        4.
If Authorized Recipient uses MVRs to take adverse action against a
consumer, Authorized Recipient will notify,  in writing,
the adversely affected consumer, specifying that the MVR influenced the
employment  decision. Further, Authorized Recipient must
provide the adversely affected consumer with ChoicePoint’s 
address and toll free national telephone number such that ChoicePoint can
make full disclosure of any  information reported or held
by ChoicePoint on said consumer. 

12

EXHIBIT C

INVESTIGATIVE AND COMPLIANCE PROCESS

Ensure that the Employer
has a valid business license in all states in which the Employer is doing
business and that the Employer has a employment related need for the MVR. 

13

EXHIBIT D

STATE CONTRACT LIST

----------------------- -------------------------------------------------------------------------------------
Alabama                 o   Request for Motor Vehicle Record Containing Personal Information
                             7/31/98.
----------------------- -------------------------------------------------------------------------------------
Arizona                 o   Letter from Arizona Dept. of Transportation, Motor Vehicle Division
                            allowing CP to receive EDI & On-Line access to Driver License database 2/21/98
----------------------- -------------------------------------------------------------------------------------
Arkansas                o   K-Section 1 of Act 465 of the 1977 Acts, Agreement for Batch Processing
                            9/2/97
                        o   Letter from Finance and Administration 2/15/00
----------------------- -------------------------------------------------------------------------------------
California              o   Reseller has their own account with the state
----------------------- -------------------------------------------------------------------------------------
Colorado                o   Agreement for Purchase of Driver Records From The Motor Vehicle
                            Division 3/4/98
----------------------- -------------------------------------------------------------------------------------
Connecticut             o   Not serving Reseller
----------------------- -------------------------------------------------------------------------------------
Delaware                o   Not serving Reseller
----------------------- -------------------------------------------------------------------------------------
DC                      o   No k
----------------------- -------------------------------------------------------------------------------------
Georgia                 o   Agreement (Georgia Net Authority & Equifax Services Inc.)
                            9/10/90
----------------------- -------------------------------------------------------------------------------------
Idaho                   o   Agreement Between the Idaho Transportation Department and
                            ChoicePoint Services Inc.  2/26/98
----------------------- -------------------------------------------------------------------------------------
Illinois                o   Access Agreement by & Between IL Secretary of State & Equifax for
                            Purchasing Computer Stored Information 6/26/95 with Bulk
                            User Agreement
----------------------- -------------------------------------------------------------------------------------
Indiana                 o   Agreement for Interactive Point - To - Point Electronic access to
                            Indiana Bureau of Motor Vehicle Records through Access Indiana
                            Information Network 7/3/97
                        o   Letter dated 5/29/97 regarding Compliance with the Indiana
                            Driver Privacy Protection Act
----------------------- -------------------------------------------------------------------------------------
Kansas                  o   Certificate of Acceptable Use 4/24/98
                        o   Agreement between ChoicePoint and Information  Network of Kansas 6/15/98
----------------------- -------------------------------------------------------------------------------------
Kentucky                o   Request for Driver Licensing Records 10/3/97
----------------------- -------------------------------------------------------------------------------------
Louisiana               o   Service Contract (7/1/99 not signed by state)
----------------------- -------------------------------------------------------------------------------------
Maine                   o   Agreement for Batch Processing 7/7/99
----------------------- -------------------------------------------------------------------------------------
Maryland                o   Purchase of Information in MVR Administration Records
                            9/18/97
----------------------- -------------------------------------------------------------------------------------
Massachusetts           o   Addendum No. 1 to Agreement for Electronic Access 10/22/97
                        o   Second Amendment to Agreement for Electronic Access 10/22/97
                        o   Agreement for Electronic Access 9/29/97
                        o   Request for Personal Information in RMV Records 5/26/98
----------------------- -------------------------------------------------------------------------------------
Michigan                o   Request for Record Information Request 7/30/98
----------------------- -------------------------------------------------------------------------------------
Minnesota               o   Letter - Permissible Uses of MVR Data 7/2/96
                        o   Commercial Inquiry Agreement For Motor Vehicle and/or
                            Driver License Records 10/13/94.
                        o   Minnesota Driver and Vehicle Services/Equifax Services Inc.
                            Purchases Agreement 2/4/91
----------------------- -------------------------------------------------------------------------------------
Mississippi             o   Dept. of Public Safety Information Services Users Agreement
                            Electronic Exchange 10/10/97
----------------------- -------------------------------------------------------------------------------------
Missouri                o   Request for M 3/V/DL.  Record (s) Security Access Code 4/24/98
                        o   Letter from Missouri Dept. Of Revenue 5/14/98
----------------------- -------------------------------------------------------------------------------------
Montana                 o   Memorandum of Agreement - The Montana Department of Justice - Motor
                            Vehicle Division 9/23/97
----------------------- -------------------------------------------------------------------------------------
Nebraska                o   Agreement between Equifax & Nebraska @ Online 3/6/95
                        o   Agreement for Interactive Point-to-Point Electronic Access to Nebraska
                            Drivers License Records 3/25/96
                        o   Letter Agreement 8/25/97
----------------------- -------------------------------------------------------------------------------------
Nevada                  o   Application for Record Service with Affidavit 10/2/95
----------------------- -------------------------------------------------------------------------------------

15

New Jersey              o   Application for On-Line Access to Motor Vehicle Records 11/4/98
                            (revised) With Certification Of Use of Personal Information 11/4/98
                        o   Application for Tape to Tape Exchange Program 11/4/98 (revised)  with
                            Certification of Use of Personal Information 11/4/98
                        o   Application For Electronic File Transfer Of Motor Vehicle Records 11/4/98
                            (revised) With Certification Of Use Of Personal Information 11/4/98
                        o   Limited On-Line Access Program Agreement Between Division Of Motor
                            Vehicles And ChoicePoint Services Inc. 12/23/98
----------------------- -------------------------------------------------------------------------------------
New Hampshire           o   Release of Multiple Motor Vehicle Driver Records 8/13/99
----------------------- -------------------------------------------------------------------------------------
                        o   Driver Date Agreement 6/4/99, Redacted Version
New Mexico
----------------------- -------------------------------------------------------------------------------------
New York                o   Memorandum of Understanding 12/3/99
----------------------- -------------------------------------------------------------------------------------
North Carolina          o   No Contract
----------------------- -------------------------------------------------------------------------------------
Ohio                    o   Dept. of Public Safety Bureau of Motor Vehicles Access to Public Records
                            Agreement 6/5/95
                        o   Record Request 4/20/98
----------------------- -------------------------------------------------------------------------------------
Oregon                  o   Application for Requalification of Record Inquiry Account 9/11/97
----------------------- -------------------------------------------------------------------------------------
Pennsylvania            o   Not serving Reseller
----------------------- -------------------------------------------------------------------------------------
Rhode Island            o   No K
----------------------- -------------------------------------------------------------------------------------
South Dakota            o   Request to Obtain South Dakota Abstract of Driver's Operating
                            Record and/or Application for Security Access Code 4/22/98
----------------------- -------------------------------------------------------------------------------------
Tennessee               o   Agreement between Department of Safety & ChoicePoint 9/2/98
----------------------- -------------------------------------------------------------------------------------
Texas
----------------------- -------------------------------------------------------------------------------------
Utah                    o   Agreement for Utah MVR Record Processing 6/30/99
----------------------- -------------------------------------------------------------------------------------
Vermont                 o   Agreement between Vermont Dept. MVR and ChoicePoint 9/2/97
----------------------- -------------------------------------------------------------------------------------
Virginia                o   Information Use Agreement 2/2000
----------------------- -------------------------------------------------------------------------------------
Washington              o   Reseller has their own account with the state
----------------------- -------------------------------------------------------------------------------------
West Virginia           o   Agreement between West Virginia Dept. Of Transportation and
                            ChoicePoint Services Inc.  7/7/98
                        o   Letter to lacy Morgan w/Dept. of Transportation 8/17/98
----------------------- -------------------------------------------------------------------------------------
                        o   Agreement Between the Wisconsin Department of Transportation
Wisconsin               o   On-line access to Wisconsin Driver Abstracts 5/6/98
                        o   Requestor Information Form 8/11/99
----------------------- -------------------------------------------------------------------------------------
Wyoming                 o   Privacy Disclosure Agreement and Information Usage Worksheet 4/24/98
----------------------- -------------------------------------------------------------------------------------

16

EXHIBIT E

MVR PRICES 

17

EXHIBIT F

PRINCIPLE NO. 5

ChoicePoint discloses
personally identifiable information to customers and others only pursuant to
consumer notices, consumer consent or when in compliance with law or legal
process. 

ChoicePoint provides
personally identifiable information to customers to bring increased confidence
to decision-makers. We insist that our customers use our personally identifiable
information products and services in a manner consistent with our Privacy
Principles. 

For the vast majority of
our business transactions, we obtain consent from the consumer directly or
through our customers before we disclose information to third parties. However,
in cases where consent is not practical, we provide notice through Web sites and
education materials of the uses to which our information is put. In addition,
however, we may be required by court order or subpoena to provide personally
identifiable information without the consent of the consumer to whom it
pertains.

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