Document:

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                                                                   Exhibit 10.34

                                   DealerTrack
                                Lender Agreement
                            (Wells Fargo Bank, N.A.)

This DealerTrack Lender Agreement is made as of the thirty first day of August,
2001 (the "Effective Date") by and between DealerTrack.com, Inc.
("DealerTrack"), with its principal place of business at 105 Maxess Road,
Melville New York 11747, and Wells Fargo & Company and any of its Affiliates
("Lender"), with its principal place of business at 420 Montgomery Street, 12th
Floor, San Francisco, CA 94104.

                                   BACKGROUND

DealerTrack operates "DealerTrack.com," an automated credit application entry,
routing and servicing system which (i) allows automobile dealers to input credit
applications and to transmit electronically such credit applications to lending
institutions, (ii) allows such automobile dealers to track the approval process
of such credit applications, and (iii) allows such lending institutions to
electronically transmit credit decisions back to such automobile dealers. In
addition, the DealerTrack service also allows dealers to review prospect
reports, dealer reserve statements, retail and lease rates, residual value
information and payoff quotes from subscribing lending institutions and such
other services provided by DealerTrack from time to time. Lender is a lending
institution that desires to subscribe to and use the DealerTrack service to,
among other things, electronically receive credit applications and transmit
credit decisions. Use of the DealerTrack service requires the development of an
interface between DealerTrack's computer and Lender's credit processing system
which permits credit applications to be received by Lender's credit processing
system and Lender's credit decisions to be transmitted to DealerTrack's
computer. Development of this interface requires the performance of certain
tasks by DealerTrack and the performance of other tasks by Lender. This
DealerTrack Lender Agreement sets forth (i) the respective responsibilities of
each party with respect to the development of the interface, and (ii) the terms
and conditions governing DealerTrack's operation of and Lender's subscription to
and use of the DealerTrack service.

                              TERMS AND CONDITIONS

IN CONSIDERATION OF the mutual covenants and agreements set forth herein,
DealerTrack and Lender, intending to be legally bound, agree as follows:

1. Definitions. As used in this Agreement, the following capitalized terms have
the indicated meanings:

     a.   "Acceptance Date" means the date upon which the Lender System is first
          capable of interfacing with the Service to receive credit application
          data from a DealerTrack Dealer, to transmit a credit decision back to
          such DealerTrack Dealer, and to allow DealerTrack Dealers to view
          credit application and contract status information. The Acceptance
          Date does not apply to any use of the Lender System in a testing
          environment.

     b.   "Affiliate" of a DealerTrack means any person or entity (i) that owns,
          directly or indirectly, through one or more affiliates, at least a
          majority of the voting capital stock of such party, or (ii) at least a
          majority of whose voting capital stock is owned, directly or
          indirectly, through one or more affiliates, by such party, or (iii) at
          least a majority of whose voting capital stock is owned directly or
          indirectly, through one or more affiliates, by another person or
          entity that at such time also owns, directly or indirectly, through
          one or more affiliates, at least a majority of the voting capital
          stock of such party. "Affiliate" of Lender means a company which
          directly or indirectly, currently or hereafter, controls, is
          controlled by or is

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          under common control with Wells Fargo & Company and includes, but is
          not limited to, any company that is currently, or hereafter becomes,
          directly or indirectly, a parent or subsidiary of Wells Fargo Bank,
          N.A. or a parent or subsidiary of Wells Fargo & Company. A person or
          entity shall be considered an Affiliate only so long as it continues
          to satisfy the criteria for an Affiliate established in this Section
          l(b).

     c.   "Agreement" means this DealerTrack Lender Agreement, as it may from
          time to time be amended or modified by the mutual consent of the
          parties, and all exhibits attached to this Agreement, as they may from
          time to time be modified by the mutual consent of the parties.

     d.   "Data" means (i) credit application data encompassing the information
          set forth on the credit application form(s) utilized by the Service,
          as transmitted in electronic form by means of the Service by a
          DealerTrack Dealer, (ii) notice of the credit decision relating to
          such credit applications, as transmitted in electronic form by means
          of the Service by Lender (or any Lender Affiliate), (iii) credit
          application and contract status information, prospect reports, dealer
          reserve status, retail and lease rates, residual value information,
          payoff quotes, (iv) any third party data (e.g., value guide
          information) which may be accessed or requested by means of the
          Service, and other information that is provided by the Service.
          DealerTrack may, from time to time and with prior written notice, add
          additional data fields to, or as appropriate, delete certain data
          fields from, the Service, provided that any additional or deleted data
          fields do not affect the Lender's Interface Components. If the
          additional or deleted data fields affect the Lender's Interface
          Components, then the Lender has reviewed and approved the additions or
          deletions, as provided in 4(c) below. Data entered on the Service in
          such additional fields shall be included in the term "Data."

     e.   "DealerTrack Computer" means the computer(s) controlled and operated
          by DealerTrack on which DealerTrack maintains the computer programs
          supporting the Service.

     f.   "DealerTrack Dealer" means an automobile dealer or other automobile
          credit originator that is a subscriber to the Service.

     g.   "DealerTrack Financial Institution" means a bank or other lending
          institution which is a subscriber to the Service, including without
          limitation Lender.

     h.   "DealerTrack Interface Components" means and consists of the
          DealerTrack Interface Equipment Components and the DealerTrack
          Interface Software Components.

     i.   "DealerTrack Interface Equipment Components" means the components of
          the Interface Equipment for which DealerTrack is responsible as set
          forth in the Interface Development Schedule.

     j.   "DealerTrack Interface Software Components" means the components of
          the Interface Software for which DealerTrack is responsible as set
          forth in the Interface Development Schedule.

     k.   "DealerTrack Marks" means trademarks, service marks, trade names,
          domain names and corporate and brand identification and indicia,
          including, without limitation, word marks, logos, designs and other
          picture marks, phrases, jingles, composite marks, corporate,
          commercial and institutional names or images, product designations and
          identifications, whether registered or not, of DealerTrack or
          DealerTrack's Affiliates.

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l.   "DealerTrack Site" means the DealerTrack site on the World Wide Web that is
     owned, operated and/or controlled by DealerTrack or any DealerTrack
     Affiliate that provides the Service as set forth in this Agreement.

m.   "Documentation" means the system and user documentation for the Service
     provided by DealerTrack to DealerTrack Financial Institutions generally, as
     enhanced and/or modified by DealerTrack from time to time.

n.   "Effective Date" means the date first set forth above when this Agreement
     becomes legally binding upon the parties.

o.   "Force Majeure Event" shall mean fire, flood, earthquake, elements of
     nature or acts of God, acts of war, terrorism, riots, civil disorders,
     rebellions or revolutions, strikes, lockouts or labor difficulties or any
     other cause beyond the reasonable control of a party (except for
     subcontractor defaults which do not result from such events).

p.   "Interface" means and consists of the Interface Equipment and the Interface
     Software, and establishes, by means of the Service, the capability for the
     Lender Computer to receive Data from, and transmit Data to, the DealerTrack
     Computer.

q.   "Interface Development Schedule" means the written schedule attached hereto
     as Exhibit C (as revised from time to time) developed and mutually agreed
     upon by DealerTrack and Lender which sets forth the tasks and respective
     responsibilities of the parties relating to the development of the
     Interface, and the timeframes for accomplishing such tasks. The Interface
     Development Schedule shall be in the form of the Interface Development
     Schedule Exhibit attached to the Agreement, unless otherwise revised by
     mutual agreement of the parties.

r.   "Interface Equipment" means the DealerTrack Interface Equipment Components
     and the Lender Interface Equipment Components.

s.   "Interface Requirements Documents" means the document (as revised from time
     to time) provided by DealerTrack to Lender describing the technical
     requirements which the Lender Interface Software Components must meet in
     order to allow Lender and Lender Affiliates to utilize the Service.

t.   "Interface Software" means all software code developed in accordance with
     the Interface Development Schedule and utilized by the parties, to permit
     the electronic transmission of Data between the DealerTrack Computer and
     the Lender System in a format that permits the Data to be (i) transmitted
     from the Service into the Lender System for processing, and (ii)
     transmitted from the Lender System back to the Service upon completion of
     such processing. The Interface Software consists of the DealerTrack
     Interface Software Components and the Lender Interface Software Components.

u.   "Intellectual Property" means any intellectual property or proprietary
     rights, including, without limitation, copyright rights (including rights
     in audiovisual works), moral rights, trademarks (including logos, slogans,
     domain names, trade names, service marks), patent rights (including patent
     applications and disclosures), know-how, inventions, rights of priority and
     trade secret rights, recognized in any country or jurisdiction in the
     world.

v.   "Lender Computer" means the computers) controlled and operated by Lender or
     Lender Affiliates on which Lender or Lender Affiliates maintain the Lender
     Software.

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w.   "Lender Interface Components" means and consists of the Lender Interface
     Equipment Components, Lender's Interface Server and the Lender Interface
     Software Components.

x.   "Lender Interface Equipment Components" means the components of the
     Interface Equipment for which Lender is responsible as set forth in the
     Interface Development Schedule. The Lender Interface Equipment Components
     consist of the physical connections and associated equipment between the
     Lender's Interface Server and the DealerTrack Computer.

y.   "Lender's Interface Server" means the computers) on which the Lender's
     Interface Software is maintained. The Lender's Interface Server resides at
     the site of the Lender and is connected to both the DealerTrack Computer
     and the Lender System. The Lender's Interface Server is owned and operated
     by the Lender or a Lender Affiliate.

z.   "Lender Interface Software Components" means the components of the
     Interface Software for which Lender is responsible as set forth in the
     Interface Development Schedule.

aa.  "Lender Marks" means trademarks, service marks, trade names, domain names
     and corporate and brand identification and indicia, including, without
     limitation, word marks, logos, designs and other picture marks, phrases,
     jingles, composite marks, corporate, commercial and institutional names or
     images, product designations and identifications, whether registered or
     not, of Lender or Lender's Affiliates.

bb.  "Lender Site" means the Lender site or any other site on the World Wide Web
     owned or operated by Lender in whole or in part, which URL, site content
     and configuration are subject to change from time to time by Lender.

cc.  "Lender Software" means, Lender's, and any Lender Affiliates' credit
     underwriting software (whether internally developed, or licensed, by Lender
     or Lender Affiliate) which processes and decisions credit applications
     transmitted by means of the Service.

dd.  "Lender System" means, collectively, the Lender Software, the Lender
     Computer, and all operating or system software installed on the Lender
     Computer.

ee.  "Service" means the multi-lender Internet-based system used to link
     DealerTrack Dealers with DealerTrack Financial Institutions to allow
     submission and tracking of credit applications and the related loans and
     leases associated with such credit applications to finance the purchase or
     lease of Automobiles, to allow DealerTrack Financial Institutions to
     provide information to DealerTrack Dealers regarding loans and leases
     originated by such DealerTrack Financial Institutions through such
     DealerTrack Dealers plus, as the context permits, all equipment, computer
     programs, patents, trade secrets, designs, documentation, manuals and
     specifications thereof or incorporated therein, including the DealerTrack
     Interface Components, but not including the Lender System or the Lender
     Interface Components.

ff.  "Tax" or "Taxes" shall mean any net income, alternative or add-on minimum
     tax, gross income, gross receipts, sales, use, ad valorem, franchise,
     capital, profits, license, withholding, payroll, employment, excise,
     severance, stamp, occupation, premium, property, custom duty, transfer,
     documentary or other tax, governmental fee or other like assessment or
     charge of any kind whatsoever, including any obligation to contribute to
     the payment of a tax determined upon a consolidated, combined or unitary
     basis with respect to a group of corporations any information reporting or
     back-up withholding

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          obligation, liability or penalty, together with any interest or any
          penalty, addition to tax or additional amount imposed by any
          governmental authority responsible for the imposition of any such tax.

2.   Subscription to the Service. Lender hereby subscribes to the Service, and
     DealerTrack agrees to provide the Service to Lender and Lender Affiliates
     for the term of this Agreement, for use by Lender and Lender Affiliates in
     accordance with the terms of this Agreement. As a prerequisite for Lender
     and Lender Affiliates to use the Service, DealerTrack and Lender must
     develop and implement the Interface in accordance with Section 3 below, and
     maintain the Interface in accordance with Section 4 below. In addition to
     the responsibilities of the parties set forth in Section 4 below relating
     to maintenance and modification of the Interface, the responsibilities of
     each party with respect to ongoing operation and use of the Service are set
     forth in Sections 5 and 6 below.

3.   Interface Development. With respect to the development of the Interface,
     DealerTrack and Lender shall perform their respective responsibilities as
     set forth in this Section 3.

     a.   Immediately after the Effective Date, both parties shall consult with
          each other on a continuing basis and as reasonably necessary to
          finalize the Interface Development Schedule, with the objective of
          finalizing the Interface Development Schedule as soon as possible and
          no later than 30 days after the Effective Date which will be attached
          as Exhibit C. The form of the Interface Development Schedule sets
          forth the respective responsibilities of each party relating to the
          development, testing and acceptance of the Interface. The Interface
          Development Schedule with respect to development, testing and
          acceptance of the Interface for Lender, the parties have established
          the date on which they shall commence work on their respective
          responsibilities (the "Interface Development Schedule Commencement
          Date") and the schedule for completion of such responsibilities. Both
          parties shall proceed with their respective responsibilities as set
          forth in the Interface Development Schedule in a diligent manner and
          shall use commercially reasonable efforts to allocate such skilled
          personnel and other resources to the project as shall be necessary to
          complete the development of the Interface so that the Acceptance Date
          occurs according to Exhibit C.

     b.   DealerTrack has either provided the Interface Requirements Document to
          Lender under a separate Non-Disclosure Agreement between the parties,
          or shall provide the Interface Requirements Document to Lender
          following the Effective Date. Lender acknowledges that the sole
          purpose for DealerTrack's disclosure of the Interface Requirements
          Document to Lender is to allow Lender to develop and maintain the
          Lender Interface Software Components and changes to the Lender System
          in connection with Lender's use of the Service under the terms of this
          Agreement. If the Interface Requirements Document was disclosed to
          Lender under a separate Non-Disclosure Agreement, then such disclosure
          is now governed by the terms of this Agreement, and the terms of such
          Non-Disclosure Agreement with respect to the subject matter of this
          Agreement are hereby superseded by the terms of this Agreement.

     c.   DealerTrack and Lender shall cooperate reasonably and in good faith
          with respect to such issues that may arise from time to time in
          connection with the development of the Interface, to the extent that
          specific responsibility has not been designated to one party or the
          other in this Agreement. The foregoing notwithstanding, unless
          otherwise agreed in writing, DealerTrack shall not be required to
          incur any expenses or costs in connection with any tasks which would
          normally be performed by the Lender and the Lender seeks DealerTrack
          to perform these tasks on the Lender's behalf. If Lender

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          requires DealerTrack to perform any such tasks and DealerTrack agrees,
          the parties agree to negotiate in good faith the terms and related
          costs (if any) associated with such tasks.

     d.   The parties shall use their best efforts to cause the performance
          dates and the Acceptance Date to occur by the dates established in
          Exhibit C.

4.   Maintenance of and Modifications to the Interface. With respect to
     maintenance of and modifications to the Interface, the parties shall
     perform their respective responsibilities as set forth in this Section 4.

     a.   DealerTrack shall be responsible for maintaining the DealerTrack
          Interface Components and the DealerTrack Computer so that, subject to
          Lender's performance of its obligations under this Agreement, the
          Lender System shall be capable of receiving Data from, and
          transmitting Data to, the DealerTrack Computer.

     b.   Lender shall be responsible for maintaining the Lender Interface
          Software Components and the Lender's Interface Server so that, subject
          to DealerTrack's performance of its obligations under this Agreement,
          the DealerTrack Computer shall be capable of receiving Data from, and
          transmitting Data to, the Lender System.

     c.   In the event that DealerTrack at any time makes any generally released
          modifications to the programs supporting the Service on the
          DealerTrack Computer, and such modifications make changes to the
          Interface necessary or advisable, DealerTrack shall give Lender at
          least ninety (90) days prior written notice of the modifications,
          unless otherwise required by applicable law.

          i.   With respect to changes to the Interface which are deemed
               necessary by the parties: (i) DealerTrack shall be responsible,
               at its expense, for making such necessary changes to the
               DealerTrack Interface Components prior to releasing the
               modifications to such programs supporting the Service, and (ii)
               Lender shall be responsible, at its expense, for making the
               necessary changes to the Lender Interface Components. DealerTrack
               shall not implement such modifications to the programs supporting
               the Service prior to end of the ninety (90) day notice period so
               as to avoid any interruption in Lender's use of the Service. The
               parties shall cooperate to ensure that such changes are made
               properly and in a timely manner. The foregoing notwithstanding,
               DealerTrack shall not be responsible for any interruption in
               Lender's use of the Service caused by Lender's failure to
               implement the appropriate changes to the Lender Interface
               Components, except to assist Lender as reasonably appropriate in
               implementing such changes.

          ii.  With respect to changes to the Interface which are deemed
               advisable, but not necessary by the parties, Lender shall not be
               required to implement such changes. If Lender elects to implement
               the changes, upon the request of Lender, the parties shall
               establish a mutually agreeable schedule for making such changes
               to their respective components of the Interface, with the
               objective of making such changes properly and in a manner that
               allows Lender to begin to utilize the additional functionality
               within a reasonable timeframe. However, DealerTrack shall not
               implement such modifications to the programs supporting the
               Service prior to end of the ninety (90) day notice period so as
               to avoid any interruption in Lender's use of the Service. The
               parties shall cooperate to ensure that such changes are made
               properly and in a timely manner. The foregoing notwithstanding,
               DealerTrack shall not be responsible for any interruption in
               Lender's use of the Service caused by Lender's failure to
               implement the appropriate changes to the Lender Interface
               Components, except to assist Lender as reasonably appropriate in
               implementing such changes. If Lender elects not to

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               implement the changes, DealerTrack shall not be responsible for
               the inability of Lender to utilize additional functionality of
               the Service that would be available with such changes.

5.   Responsibilities of DealerTrack Relating to On-Going Operation of the
     Service. In addition to DealerTrack's obligations under Section 3 and 4
     above, with respect to the on-going operation of the Service, DealerTrack
     shall perform its responsibilities as set forth in this Section 5.

     a.   The Service and the DealerTrack Site shall be hosted, operated and
          maintained in accordance with the service levels set forth in Exhibit
          A attached hereto and in accordance with such other performance
          standards mutually agreed upon by the parties. Notwithstanding the
          foregoing, DealerTrack shall be responsible for maintaining the
          DealerTrack Service and Site and shall exercise commercially
          reasonable efforts to ensure that the DealerTrack Service and Site are
          operational so that the DealerTrack Service and Site are capable of
          receiving Data from, and transmitting Data to, the Lender System.
          DealerTrack shall exercise commercially reasonable efforts to ensure
          that any changes to the DealerTrack Service and Site do not interrupt
          (i) the transfer of Data between the Lender System and the DealerTrack
          Service, or (ii) the processing of Data by the DealerTrack Service.

     b.   As part of the Service, and at all times during the term hereof,
          DealerTrack shall maintain and enforce security procedures in
          accordance with the security guidelines set forth in Exhibit A hereto
          and in Section 19 hereof.

     c.   DealerTrack shall provide DealerTrack Dealers with customer and
          technical support in accordance with the standards set forth in
          Exhibit A attached hereto.

     d.   DealerTrack will use all commercially reasonable efforts to provide
          appropriate resources including technical, implementation and program
          management support to establish and maintain the DealerTrack Site and
          the Service. DealerTrack will provide to Lender a contact list of
          support, technical, marketing and program management representatives
          that may be contacted by Lender, which will be updated and distributed
          as necessary.

     e.   DealerTrack shall implement the necessary measurement, monitoring
          tools and reporting procedures required to measure, monitor and report
          DealerTrack's performance against the applicable service levels. Such
          measurement, monitoring and reporting shall permit reporting at a
          level of detail sufficient to verify compliance with the service
          levels. Upon request and during normal business hours, Lender shall
          have the right, but not the obligation, to audit such tools and
          procedures and DealerTrack shall provide Lender with information and
          access to such tools and procedures for purposes of verification.

     f.   As part of the Service, DealerTrack shall use, and shall cause its
          subcontractors to use, commercially reasonable efforts to identify
          ways to improve the service levels, including applying proven
          techniques and tools applied by other similar services and/or websites
          that would benefit Lender either operationally or financially.

     g.   DealerTrack shall implement necessary procedures and systems
          capabilities, to the reasonable satisfaction of Lender, to ensure that
          only those DealerTrack Dealers designated by Lender from time to time
          are capable of transmitting and receiving Data to and from Lender by
          means of the Service.

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6.   Responsibilities of Lender Relating to Use of the Service. In addition to
     Lender's responsibilities under Section 3 and 4 above, with respect to
     Lender's use of the Service, Lender shall perform its responsibilities in
     accordance with this Section 6.

     a.   Lender shall be responsible for maintaining the Lender System and
          shall exercise commercially reasonable efforts to ensure that the
          Lender System is operational so that the Lender System is capable of
          receiving Data from, and transmitting Data to, the DealerTrack
          Computer. Lender shall exercise commercially reasonable efforts to
          ensure that any changes to the Lender System do not interrupt (i) the
          transfer of Data between the DealerTrack Computer and the Lender
          Computer, or (ii) the processing of Data by the Lender Software.

     b.   Lender shall operate and manage the Lender System in such a manner as
          to keep the Lender System from degrading the performance of the
          DealerTrack Computer or otherwise adversely impacting the Service in a
          manner that is inconsistent with proper operation of the Service. In
          the event of such degradation or adverse impact, upon notification
          from DealerTrack, Lender shall exercise commercially reasonable
          efforts to terminate those processes causing such degradation or
          adverse impact and shall implement any necessary changes to the Lender
          System to prevent such degradation or adverse impact from reoccurring.
          DealerTrack shall cooperate in good faith with Lender as reasonably
          appropriate to assist Lender in connection with Lender's obligations
          under this Section 6(b).

     c.   Lender acknowledges that access to the Service shall be restricted to
          persons logging in with the proper user identification code/password.
          Lender shall be responsible for limiting access to its user
          identification code(s)/password(s) to authorized personnel and for all
          Service related charges incurred under its user identification
          code(s)/password(s), including the misuse of unauthorized use thereof.
          Lender shall be solely responsible for any additional security
          measures it wishes to take and DealerTrack shall have no liability for
          any adverse impact that such measures may have on Lender's ability to
          utilize and/or benefit from the functionality of the Service. Further,
          DealerTrack shall not be liable for any losses or damages experienced
          by Lender due to Lender's implementation of or failure to implement
          security measures.

     d.   Lender shall be solely responsible for developing, implementing and
          maintaining any and all back-up procedures and systems, redundant
          systems and disaster recovery systems relating to the Lender System
          and the Lender's Interface Server.

     e.   Lender shall cooperate with DealerTrack in accordance with
          DealerTrack's standard procedures with respect to the enabling and
          disabling of DealerTrack Dealers to transmit credit applications to
          Lender by means of the Service.

7.   Resources.

     a.   At all times during the term of this Agreement, each party shall
          designate one person and one alternate to serve as its primary contact
          and project authority with respect to issues relating to this
          Agreement, and shall disclose the identities of such persons to the
          other party. The project authorities and alternates will be authorized
          to make all decisions and to request and receive services from the
          other party with respect to this Agreement. Either party may change
          the project authority and/or alternate at any time by written notice
          to the other party.

     b.   At all times during the term of this Agreement, each party shall be
          responsible for dedicating appropriate and sufficient resources to
          meet its obligations under this Agreement.

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8.   Additional Services and Products. DealerTrack may, from time to time, offer
     additional services and products ("Additional Products") by means of the
     Service, other than those identified in this Agreement. DealerTrack shall
     provide Lender with reasonable notice of the Additional Products as they
     become generally available to DealerTrack Financial Institutions, including
     the fees, charges and other terms applicable to the use of such Additional
     Products. Lender shall have the option, in its sole discretion, whether to
     use such Additional Products. In the event that Lender does use such
     Additional Products, Lender agrees to use such Additional Products in
     accordance with the applicable terms, and shall be responsible for and
     shall pay to DealerTrack the additional applicable fees and charges, if
     any, in accordance with the terms of this Agreement, as amended to include
     such Additional Products.

9.   Term and Termination

     a.   The terms of this Agreement shall begin on the Effective Date, and
          shall continue for a period of two (2) years from the Acceptance Date
          (the "Initial Term") unless sooner terminated as provided below. Upon
          expiration of the Initial Term, unless terminated by either party by
          notice of termination given not less than sixty (60) days prior to the
          expiration of the Initial Term, this Agreement shall automatically
          renew for successive one (1) year terms (each a "Renewal Term). During
          any Renewal Term, either party may terminate this Agreement, effective
          at the end of such Renewal Term by notice of termination given not
          less than sixty (60) days prior to the expiration of such Renewal
          Term.

     b.   This Agreement may be terminated by a party for cause immediately by
          written notice upon the occurrence of any of the following events: (i)
          if any license, registration, permit, authorization or approval for
          the conduct of the other's business in the manner contemplated by this
          Agreement is revoked or suspended and not reinstated within thirty
          (30) days; (ii) if the other breaches any material provision of this
          Agreement and fails to fully cure such breach within thirty (30) days
          of written notice describing the breach; or (iii) if the other becomes
          insolvent, or seeks protection under any bankruptcy, receivership,
          trust deed, creditor's arrangement composition or comparable
          proceeding, or if any such proceeding is instituted against the other
          and not dismissed within thirty (30) days.

     c.   This Agreement may be terminated by Lender for cause immediately by
          written notice if a bank regulatory agency having authority over
          Lender issues an order or directive finding the Service provided to
          Lender will cause Lender to be subject to regulatory sanction unless
          such Service is modified and DealerTrack fails to modify such Service
          in accordance with such order or directive within such period of time
          as permitted by such regulatory agency.

     d.   This Agreement may be terminated by Lender without cause, upon thirty
          (30) days prior written notice, in the event that any fee or charge
          set forth in Section 10 hereof is increased or a new fee or charge is
          imposed by DealerTrack,

     e.   DealerTrack agrees that upon termination of this Agreement, for any
          reason, DealerTrack will within ten days after the date of termination
          remove all of the Lender's Marks from the DealerTrack site and all
          links from DealerTrack Site to Lender System.

10.  Payments and Payment Terms. Lender agrees to pay DealerTrack when due the
     fees and charges on the Schedule of Fees and Charges set forth in Exhibit B
     attached hereto. Unless otherwise specified, DealerTrack shall invoice
     Lender monthly for all fees and charges, payable thirty (30) days after
     receipt of such invoice.

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11.  Licenses; Proprietary Rights.

     a.   In accordance with the terms of this Agreement and for the term
          thereof, DealerTrack grants Lender a non-exclusive and
          non-transferable license to use the Service in the United States for
          its own internal business purposes (and those of Lender Affiliates),
          and to permit its employees and agents (and employees and agents of
          Lender Affiliates) to interact with the Service through remote
          computer terminals solely for Lender's internal business purposes (and
          those of Lender Affiliates). Lender shall have no right to make any
          changes or modifications to the Service except as directed by
          DealerTrack.

     b.   In accordance with the terms of this Agreement and for the term
          hereof, DealerTrack grants Lender and Lender Affiliates a
          non-exclusive and non-transferable license to use the DealerTrack
          Marks for the sole purpose of identifying that it/they are licensed to
          use the Service.

     c.   In accordance with the terms of this Agreement and for the term
          hereof, Lender hereby grants to DealerTrack a non-exclusive,
          non-transferable, royalty-free license to: (i) post the Lender Marks
          on the DealerTrack Site, in combination with Lender's use of the
          DealerTrack Services; and (ii) use the Lender Marks as a button(s) to
          click on in order to link the DealerTrack Site to Lender System,
          subject to the terms and conditions of this Agreement, including the
          following conditions:

          (1)  DealerTrack may not modify, change, alter, delete from or add to
               the Lender Marks, including, but not limited to, any change in
               text, graphics, color, size or position. DealerTrack agrees that
               it will not use any Lender Trademark designs except the Lender
               Trademark designs provided to DealerTrack by Lender. DealerTrack
               agrees that it will comply with Lender's published guidelines for
               use of the Lender Marks.

          (2)  The Lender Marks shall be used solely to refer to the Lender
               credit products and to indicate the location of the link between
               DealerTrack and a Lender System and such Marks shall not be used,
               placed or positioned in any manner that may cause a visitor to
               believe that the Lender Marks refer to DealerTrack or any of
               DealerTrack's products or services or that Lender endorses
               DealerTrack's products or services.

          (3)  Lender retains all right, title and interest in and to the Lender
               Marks and DealerTrack's rights to the Lender Marks are limited to
               the express terms of the license in this Section 11 (c). No other
               rights to the Lender Marks, express or implied, are granted to
               DealerTrack by virtue of this Agreement and any and all uses by
               DealerTrack of the Lender Marks shall inure to the benefit of
               Lender.

          (4)  Lender may monitor DealerTrack's use of the Lender Trademark.
               DealerTrack shall deliver copies of the initial DealerTrack Site
               pages on which the Lender Marks are to appear to Lender for
               review prior to publication. If there is a material change in the
               content or functionality of a DealerTrack Site page, then
               DealerTrack will submit the changed page to Lender for review
               prior to publication. DealerTrack will not publish such pages
               incorporating the Lender Marks without Lender's prior written
               consent. Lender will make reasonable efforts to respond to
               requests for such consents within five (5) Business Days after
               Lender receives such requests.

     d.   DealerTrack retains all right, title and interest in the Service, the
          Interface Requirements Document, the DealerTrack Interface Software
          Components, the DealerTrack Computer and the DealerTrack Marks not
          specifically granted to Lender under this Agreement. All revisions,
          modifications and derivative works to the Service, the Interface
          Requirements Document, the DealerTrack Computer and the DealerTrack
          Interface Software Components developed by DealerTrack or any other
          party, including all enhancements, upgrades, improvements or changes
          to the Service, the Interface Requirements Document, the DealerTrack
          Interface Software Components, and the DealerTrack Computer, but not
          including the Lender Interface Components and the Lender System, will
          be the sole and exclusive property of DealerTrack (the "DealerTrack
          Property") and will be subject to all of the use and nondisclosure
          restrictions which apply to the Service under this Agreement. Lender
          agrees, upon DealerTrack's request and at DealerTrack's expense, to
          assign to DealerTrack in writing any proprietary

<PAGE>

          interest that may be conferred upon Lender by law in any such
          revisions, modifications and derivative works to the DealerTrack
          Property. The terms of this provision shall survive termination of
          this Agreement whether by expiration of time, operation of law or
          other wise.

     e.   DealerTrack understands and agrees that Lender and Lender's licensors
          are the exclusive owners of and holds and shall retain, all right,
          title and interest in and to the Lender Intellectual Property, the
          Lender System and the Lender Interface Components, including any and
          all enhancements, upgrades, improvements, changes, modifications,
          revisions or derivative works made to the same from time to time (the
          "Lender Property"), and DealerTrack shall have no ownership or use
          rights therein except as set forth in this Agreement. DealerTrack
          agrees, upon Lender's request and at Lender's expense, to assign to
          Lender or Lender's Licensor in writing any proprietary interest that
          may be conferred upon DealerTrack by law in any such revisions,
          modifications and derivative works to the Lender Property. The terms
          of this provision shall survive termination of this Agreement whether
          by expiration of time, operation of law or other wise.

     f.   Except as expressly permitted under this Agreement, Lender agrees that
          neither it nor any Lender Affiliates will, at any time, without
          written permission of DealerTrack, (i) copy, duplicate or grant
          permission to the Service or any part thereof; or (ii) create, attempt
          to create, or grant permission to the source program and/or object
          program associated with any software component of the Service; or
          (iii) decompile, disassemble or reverse engineer any software
          component of the Service to develop functionally similar computer
          software or services, or modify, alter or delete any of the copyright
          notices embedded in or affixed to the copies of any components of the
          Service; or (iv) grant permission to any third party to do any of the
          foregoing.

     g.   If and to the extent that DealerTrack incorporates the software and/or
          data of any third party in the Service, and use of such third party
          software and/or data is not subject to the terms of a license
          agreement directly between Lender (and any Lender Affiliate, if
          applicable) and the third party licensor, the license of Lender and
          all Lender Affiliates to such third party software and/or data shall
          be defined and limited by the license to the Service granted by
          DealerTrack under this Agreement. Furthermore, the use of any third
          party data accessed by Lender with respect to the credit underwriting
          processing of a credit application shall be strictly limited to the
          credit underwriting processes related to that specific credit
          application (e.g., if Lender accesses a value guide database in
          connection with a credit application to determine the valuation of a
          vehicle, that valuation may only be used in connection with the credit
          underwriting of that specific credit application, and may not be used
          for any other purpose). Lender specifically acknowledges that the
          licensors of such third party software and/or data shall retain all
          ownership rights thereto, and Lender agrees that it shall not (i)
          decompile, disassemble or reverse engineer such third party software
          for the purpose of revealing the proprietary information contained
          therein, or otherwise use such third party software to develop
          functionally similar computer software; or (ii) reproduce the data
          therein for purposes other than those specifically permitted under
          this Agreement; or (iii) modify, alter or delete any of the copyright
          notices embedded in or affixed to such third party software or data;
          or (iv) grant permission to any third party to do any of the
          foregoing.

     h.   Lender acknowledges that the right or ability of DealerTrack to
          license other lenders to use the Service or DealerTrack Marks is not
          restricted in any manner by this Agreement, and that it is
          DealerTrack's intention to license a number of other lenders to use
          the Service and DealerTrack Marks under separate agreements. Lender
          also agrees that DealerTrack shall be free to transmit credit
          applications from any DealerTrack Dealers, at the DealerTrack Dealers'
          request to other DealerTrack Financial Institutions and
          non-subscribing lenders. Except as otherwise provided herein,
          DealerTrack shall have no liability to Lender for any such action.

<PAGE>

12.  Representations and Warranties by DealerTrack.

     a.   DealerTrack has been duly organized and is validly existing as a
          corporation under the laws of the state of its incorporation and is
          duly licensed where required or is otherwise qualified in each state
          in which it transacts business and is in compliance with such state's
          applicable laws, rules and regulations.

     b.   DealerTrack has the requisite power, authority and legal right to
          execute and deliver this Agreement, engage in the transactions
          contemplated by this Agreement, and perform and observe those terms
          and conditions of this Agreement to be performed or observed by it
          hereunder. The person signing this Agreement has full power and
          authority to bind DealerTrack. The execution, delivery and performance
          of this Agreement, and the performance by DealerTrack of all
          transactions contemplated herein, have been duly authorized by all
          necessary and appropriate corporate action on the part of DealerTrack.

     c.   This Agreement has been duly authorized and executed by DealerTrack
          and is valid, binding and enforceable against DealerTrack in
          accordance with its terms, except that such enforcement may be subject
          to bankruptcy (whether statutory, regulatory or decisional) now or
          hereafter in effect relating to creditor's rights generally, and the
          execution, delivery and performance by DealerTrack of this Agreement
          does not conflict with any term or provision of (i) its certificate of
          incorporation or by-laws; (ii) any law, rule, regulation, order,
          judgment, writ, injunction or decree applicable to DealerTrack of any
          court, regulatory body, administrative agency or governmental body
          having jurisdiction over DealerTrack; or (iii) any agreement to which
          DealerTrack is a party or by which its property is bound.

     d.   No consent, approval, authorization or order of, registration or
          filing with, or notice to any governmental authority or court is
          required under applicable law in connection with the execution,
          delivery and performance by DealerTrack of this Agreement.

     e.   There is no action, proceeding or investigation pending or, to the
          best knowledge of DealerTrack, threatened against it before any court,
          administrative agency or other tribunal (i) seeking to assert the
          invalidity of this Agreement; (ii) seeking to prevent the consummation
          of any of the transactions contemplated by this Agreement; or (iii)
          which could reasonably be expected to materially and adversely affect
          its performance of its respective obligations under, or the validity
          or enforceability of, this Agreement.

     f.   It has and shall maintain all regulatory approvals, authorizations,
          licenses, permits and other permissions, consents and authorities
          whatsoever needed to perform its obligations under this Agreement,
          including, without limitation, the Service and the Site.

     g.   In connection with carrying out its obligations contained in this
          Agreement, it shall comply at all times with all applicable federal
          and state laws, rules and regulations, including, without limitation,
          the Federal Truth in Lending Act, Regulation P, Regulation Z,
          Regulation M, the Electronic Signatures in Global and National
          Commerce Act, the Federal Fair Credit Reporting Act, the Federal Equal
          Credit Opportunity Act, Regulation B and so-called "fair lending"
          laws, rules and regulations. Also, its operations, business practices,
          policies and procedures comply with applicable state and federal anti-
          discrimination laws. DealerTrack shall ensure its operations and its
          respective officers, employees, and agents are conducted in a manner
          that do not have a material adverse impact on the reputation or the
          business of Lender.

     h.   No product or other aspect of any technology, trade secret or other
          Intellectual Property utilized by DealerTrack will infringe on or
          violate any patent, copyright, trade secret, trademark or other
          proprietary

<PAGE>

          right of any third party, or is libelous, defamatory or illegal and
          DealerTrack further represents and warrants that it has all licenses,
          approvals, or other authorizations required for any third party
          Intellectual Property content on the DealerTrack Site, except for
          content provided by or through Lender. The terms of this Section 12(h)
          shall survive the termination of this Agreement, whether by expiration
          of time, operation of law, or otherwise.

     i.   It shall use reasonable efforts to keep the DealerTrack Service and
          Site free from intentionally injurious instructions (e.g. systems
          "viruses") that are designed to modify, damage, delete, malfunction or
          disable the Lender System or allow unauthorized access to or use of
          the Lender System. The terms of this Section 12(i) shall survive the
          termination of this Agreement, whether by expiration of time,
          operation of law, or otherwise.

     j.   It shall use reasonable efforts to keep the DealerTrack Service and
          Site free from code that could trigger a modification, shut down or
          disablement of the Lender System or cause the Lender System to be
          erased. The terms of this Section 12(j) shall survive the termination
          of this Agreement, whether by expiration of time, operation of law, or
          otherwise.

     k.   DealerTrack shall take all reasonable precautions necessary to ensure
          that the DealerTrack Service and Site shall be safeguarded against
          "hacker" intrusions.

     1.   DealerTrack shall operate and maintain the Service in a professional
          manner and in a manner consistent with the highest industry standards.

     m.   DealerTrack shall not charge Lender any fee and/or charge for any
          products or services provided to Lender under the terms of this
          Agreement that are higher than the lowest fee and/or charge that
          DealerTrack charges any other DealerTrack Financial Institution for
          such products or services, except for any discount on a fee or charge
          offered to a new DealerTrack Financial Institution for a period not to
          exceed six (6) months after the Acceptance Date of such DealerTrack
          Financial Institution. In the event that such fee and/or charge is
          based on a sliding scale tied to a volume amount, Lender's fee and/or
          charge shall be no higher than the lowest fee or charge applicable to
          any DealerTrack Financial Institution for Lender's actual volume
          amount.

     n.   DealerTrack has not entered and will not enter into any agreements or
          activities that will or might interfere or conflict with the terms
          hereof.

     o.   DealerTrack Service and Site shall be and currently is Year 2000
          Complaint. As used herein, "Year 2000 Compliant" shall mean that the
          Product accurately processes date/time data (including, but not
          limited to, calculating, comparing, and sequencing) from, into, and
          between the years 1999 and 2000 and leap year calculations (Year 2000
          is a leap year). Furthermore, the Product, when used in combination
          with other information technology, will accurately process date/time
          data if the other information technology properly exchanges date/time
          data with it. In the event that DealerTrack, Lender or any other
          person or entity discovers a malfunction in the DealerTrack Services
          or Site with respect to Year 2000 Compliance, DealerTrack at its
          expense, shall make and deliver to Lender all fixes, corrections, and
          changes necessary to cause the Dealer Track Services or Site to
          perform in accordance with this warranty. Delivery shall be completed
          within 30 days after the malfunction is first discovered by
          DealerTrack or reported to DealerTrack. Any costs associated with
          ensuring that the DealerTrack Services or Site is Year 2000 Compliant
          shall be borne by DealerTrack and shall not result in any additional
          charges to Lender. DealerTrack agrees that the Year 2000 warranty as
          set herein shall survive termination or expiration of this Agreement
          and, in the event there is a conflict with any provisions of

<PAGE>

          this Year 2000 warranty with any other term or condition of this
          Agreement, this Year 2000 warranty shall control and supersede any
          other term or condition. At Lender's request, DealerTrack shall
          provide Lender with reasonable access to a designated Year 2000
          technical contact with sufficient knowledge, experience and expertise
          in the area of the Year 2000 problem who will be available to answer
          questions and coordinate testing Year 2000 compliance.

     P.   THE REPRESENTATIONS AND WARRANTIES SET FORTH IN THIS SECTION 12 ARE
          THE ONLY WARRANTIES MADE BY DEALERTRACK. SUCH WARRANTIES ARE IN LIEU
          OF, AND DEALERTRACK EXPRESSLY HEREBY DISCLAIMS, ALL OTHER WARRANTIES,
          EXPRESSED OR IMPLIED, REGARDING THE SERVICE OR THE DEALERTRACK MARKS
          INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF
          MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WITHOUT LIMITING
          THE GENERALITY OF THE FOREGOING OR ANY PROVISION OF THE SERVICE LEVEL
          STANDARDS AS DEFINED IN EXHIBIT A, DEALERTRACK SPECIFICALLY DOES NOT
          REPRESENT OR WARRANT (i) THAT THE SERVICE WILL PERFORM WITHOUT
          INTERRUPTION OR ERROR FREE, OR (ii) THAT IT MEETS LENDER'S
          REQUIREMENTS, OR (iii) THAT ANY OR ALL OF THE DATA PROVIDED THROUGH
          THE SERVICE IS ACCURATE OR COMPLETE.

13.  Representation and Warranties by Lender.

     a.   Lender has been duly organized and is validly existing as a
          corporation and is duly licensed where required or is otherwise
          qualified in each state in which it transacts business and is not in
          default of such state's applicable laws, rules and regulations.

     b.   Lender has the requisite power, authority and legal right to execute
          and deliver this Agreement, engage in the transactions contemplated by
          this Agreement, and perform and observe those terms and conditions of
          this Agreement to be performed or observed by it hereunder. The person
          signing this Agreement has full power and authority to bind Lender.
          The execution, delivery and performance of this Agreement, and the
          performance by Lender of all transactions contemplated herein, have
          been duly authorized by all necessary and appropriate corporate action
          on the part of Lender.

     c.   This Agreement has been duly authorized and executed by Lender and is
          valid, binding and enforceable against Lender in accordance with its
          terms, except that such enforcement may be subject to bankruptcy
          (whether statutory, regulatory or decisional) now or hereafter in
          effect relating to creditor's rights generally, and the execution,
          delivery and performance by Lender of this Agreement does not conflict
          with any term or provision of (i) its certificate of incorporation or
          by-laws; (ii) any law, rule, regulation, order, judgment, writ,
          injunction or decree applicable to Lender of any court, regulatory
          body, administrative agency or governmental body having jurisdiction
          over Lender; or (iii) any agreement to which Lender is a party or by
          which its property is bound.

     d.   No consent, approval, authorization or order of, registration or
          filing with, or notice to any governmental authority or court is
          required under applicable law in connection with the execution,
          delivery and performance by Lender of this Agreement.

     e.   There is no action, proceeding or investigation pending or, to the
          best knowledge of Lender, threatened against it before any court,
          administrative agency or other tribunal (i) seeking to assert the
          invalidity of this Agreement; (ii) seeking to prevent the consummation
          of any of the transactions contemplated by this Agreement; or (iii)
          which could reasonably be expected to materially and adversely affect
          its

<PAGE>

          performance of its respective obligations under, or the validity or
          enforceability of, this Agreement.

     f.   It has and shall maintain all regulatory approvals, authorizations,
          licenses, permits and other permissions, consents and authorities
          whatsoever needed to perform its obligations under this Agreement.

     g.   In connection with carrying out its obligations contained herein, it
          shall comply at all times with all applicable federal and state laws
          and regulations, including, without limitation, the Federal Truth in
          Lending Act, Regulation P, Regulation Z, Regulation M, the Electronic
          Signatures in Global and National Commerce Act, the Federal Fair
          Credit Reporting Act, the Federal Equal Credit Opportunity Act,
          Regulation B and so-called "fair lending" laws, rules and regulations.
          Also its operations, business practices, policies and procedures
          comply with applicable state and federal anti-discrimination laws.
          Lender shall ensure its operations and its respective officers,
          employees and agents are conducted in a manner that do not have a
          material adverse impact on the reputation or the business of
          DealerTrack.

     h.   No product or other aspect of any technology, trade secret or other
          Intellectual Property owned by Lender will infringe on or violate any
          patent, copyright, trade secret, trademark or other proprietary right
          of any third party, or is libelous, defamatory or illegal. The terms
          of this Section 13(h) shall survive the termination of this Agreement,
          whether by expiration of time, operation of law, or otherwise.

     i.   It shall use reasonable efforts to keep the Lender System free from
          intentionally injurious instructions (e.g. systems "viruses") that are
          designed to modify, damage, delete, malfunction or disable the
          DealerTrack Site or allow unauthorized access to or use of the
          DealerTrack Site. The terms of this Section 13(i) shall survive the
          termination of this Agreement, whether by expiration of time,
          operation of law, or otherwise.

     j.   It shall use reasonable efforts to keep the Lender System free from
          code that could trigger a modification, shut down or disablement of
          the DealerTrack Site or cause the DealerTrack System to be erased. The
          terms of this Section 13(j) shall survive the termination of this
          Agreement, whether by expiration of time, operation of law, or
          otherwise.

14.  Infringement Claims of Third Parties.

     a.   At its own expense, DealerTrack will defend Lender against any claim
          by any third party alleging that the Service or use of the DealerTrack
          Marks in accordance with Section 11 above infringes a patent,
          copyright or other third party Intellectual Property rights in the
          United States, and DealerTrack will pay all costs, damages and
          attorneys' fees in any infringement action or negotiated by
          DealerTrack in settlement; provided that Lender provides prompt
          written notice to DealerTrack of such claim (if Lender has knowledge),
          and allows DealerTrack sole control of, and fully cooperates with
          DealerTrack in, the defense of such claims and all related
          negotiations at DealerTrack's expense.

     b.   If the Service and/or the DealerTrack Marks are, or in DealerTrack's
          opinion are likely to become, subject to a claim of infringement,
          DealerTrack, at its option and expense, shall either (i) procure for
          Lender and the Lender Affiliates the right to continue using the
          Service and/or the DealerTrack Marks; or (ii) modify the Service
          and/or the DealerTrack Marks to make it/them non-infringing in a
          manner that does not materially impair its/their functionality. If
          neither of the foregoing two options is reasonably available to
          DealerTrack or if the modifications do not meet Lender's requirements,
          then Lender may immediately terminate this Agreement by notice to
          DealerTrack.

<PAGE>

     c.   DealerTrack will have no obligation with respect to any actual or
          threatened infringement claim based in whole or in part upon (i) the
          Lender System or the Lender Interface Components, or (ii) Lender's (or
          any Lender Affiliate's) failure to use the Service and/or the
          DealerTrack Marks in accordance with this Agreement or the
          Documentation.

     d.   This Section 14 states DealerTrack's entire obligation to Lender with
          respect to actual or threatened third party infringement claims. The
          terms of this Section 14 shall survive the termination of this
          Agreement, whether by expiration of time, operation of law, or
          otherwise.

15.  Confidentiality.

     a.   Confidential Information. "Confidential Information" shall mean
          nonpublic information revealed by or through a party (a "Disclosing
          Party") to the other (a "Receiving Party") including (a) information
          expressly or implicitly identified as originating with or belonging to
          third parties, or marked or disclosed as confidential, (b) information
          traditionally recognized as proprietary trade secrets, such as, but
          not limited to, Lender customer's (including potential Lender
          customer's) names and data, business plans and procedures, accounting
          methods, and security procedures (c) all forms and types of financial,
          business, scientific, technical, economic, or engineering information
          including patterns, plans, compilations, program devices, formulas,
          designs, prototypes, methods, techniques, processes, procedures,
          programs, or codes, whether tangible or intangible, and whether or how
          stored, compiled, or memorialized physically, electronically,
          graphically, photographically, or in writing, and (d) all copies
          thereof. Confidential Information shall not include information which:
          (a) is publicly available through no action of Receiving Party; (b)
          has been in Receiving Party's possession independent of its
          relationship with Disclosing Party; (c) has been developed by or
          become known to Receiving Party without access to any Confidential
          Information and outside the scope of any agreement with Disclosing
          Party; or (d) is obtained rightfully from third parties not known to
          be bound by an obligation of confidentiality. Notwithstanding anything
          in this Agreement to the contrary, the Receiving Party shall comply
          with all privacy and data protection laws, rules and regulations which
          are or which may in the future be applicable to the Services. Without
          limiting the generality of the preceding sentence, the Receiving Party
          agrees that it will not use nor disclose to any other party any
          nonpublic personal information which it receives from a financial
          institution in connection with providing Services under this
          Agreement, except to perform the co-branded services in accordance
          with this Agreement. For purposes of this subsection, the terms
          "nonpublic personal information" and "financial institution" shall
          have the meanings set forth in Section 509 of the Gramm-Leach-Bliley
          Act (P.L. 106-102) (15 U.S.C. Section 6809) and implementing
          regulations thereof.

     b.   Treatment of Confidential Information. Receiving Party shall treat
          such Confidential Information as strictly confidential with at least
          the same degree of care as Receiving Party uses for its own
          confidential information, and, shall not use, disclose, duplicate,
          copy, transmit or otherwise disseminate or permit to be used,
          disclosed, duplicated, copied, transmitted or otherwise disseminated
          such Confidential Information at any time prior to or after the
          termination of this Agreement except as expressly permitted under this
          Agreement. In no event shall Receiving Party use Confidential
          Information for its own benefit or that of any third party, nor shall
          Receiving Party use Confidential Information to Disclosing Party's
          detriment. Receiving Party shall use the Confidential Information for
          the purposes authorized by this Agreement and for no other purpose.
          Except in fulfillment of this Agreement, Receiving Party shall not
          interpret, reverse-engineer, decompile, disassemble, debug or
          otherwise use any part of any software to which it is given access by
          or through Disclosing Party in connection with this Agreement, nor
          shall Receiving Party access or generate corresponding higher level
          code, access the logic intrinsic thereto; or aid, abide or permit
          another to do so. Receiving Party shall not remove any copyright
          notice, trademark

<PAGE>

          notice, and/or proprietary legend set forth on or contained within any
          of the Confidential Information. Receiving Party shall promptly notify
          Disclosing Party in writing of any unauthorized use or disclosure of
          any Confidential Information.

     c.   Disclosure to Employees and other Parties. Receiving Party may
          disclose Confidential Information to employees, independent
          contractors, subcontractors, attorneys, accountants and investment
          advisors ("Personnel"), only to the extent such Personnel have a need
          to know such information for the purposes described in this Agreement
          Receiving Party shall take all appropriate action, by instruction,
          agreement or otherwise, with persons permitted access to Confidential
          Information so as to enable the Receiving Party to satisfy its
          obligations under this Section. Except as otherwise provided herein,
          neither party shall disclose Confidential Information to any third
          party unless (i) required by a federal or state agency or (ii)
          required by law, including, but not limited to, by deposition,
          interrogatory, request for documents, or similar process. In the event
          that Receiving Party is required to disclose Confidential Information
          for reasons enumerated in the prior sentence, Receiving Party shall
          give Disclosing Party notice in a reasonable amount of time prior to
          Receiving Party's disclosure of Confidential Information to allow
          Disclosing Party to protect its proprietary interest therein.

     d.   Return of Confidential Information. Upon termination or expiration of
          this Agreement, or upon Disclosing Party's earlier request, Receiving
          Party shall promptly deliver to Disclosing Party all Confidential
          Information, any copies or partial copies thereof and material
          containing Confidential Information and shall purge any Confidential
          Information from all computer and other data storage systems, and
          certify to the Disclosing Party in writing that it has done so;
          provided, however, that Receiving Party shall not be required to
          return or destroy information which has been provided to (a) its board
          of directors or (b) any governmental agency having jurisdiction over
          the Receiving Party. Additionally, Receiving Party's legal department
          may retain one copy of the Confidential Information and any such other
          material for archival purposes, subject to the terms and conditions of
          this Agreement. The obligations under this Agreement, however, shall
          survive such occurrence.

     e.   Injunctive Relief. Each of the Parties acknowledges that any use or
          disclosure of Confidential Information in violation of this Agreement
          may cause irreparable injury to the Disclosing Party for which other
          remedies at law would be inadequate, and each of the Parties agrees
          that a Disclosing Party shall have the right to seek injunctive or
          other equitable relief as may be necessary or appropriate to prevent
          any use or disclosure of the Confidential Information in violation of
          this Agreement, and may also exercise such other rights and remedies
          as the Disclosing Party may have at law or in equity.

     f.   Survival. The terms of this Section 15 shall survive the termination
          of this Agreement, whether by expiration of time, operation of law or
          otherwise.

16.  Indemnification.

     a.   Each party shall indemnify and hold harmless the other, and its
          parent, affiliates, subsidiaries, directors, officers, employees and
          agents, from and against any and all claims, demands, actions, suits,
          losses, liabilities, damages, injuries, fines, penalties, costs and
          expenses including, without limitation, reasonable attorneys' fees and
          court costs arising out of:

          (i)  a material breach of this Agreement by the indemnifying party,
               its affiliates, or any of their respective officers, directors,
               employees or agents; or

<PAGE>

          (ii) negligence, willful or wanton behavior of the indemnifying party,
               its affiliates, or any of their respective officers, directors,
               employees, or agents.

     b.   The terms of this Section 16 shall survive the termination of this
          Agreement, whether by expiration of time, operation of law, or
          otherwise.

17.  Limitation Of Liability. In no event shall either party be liable to the
     other for any indirect, incidental, special, exemplary or consequential
     damages, arising out of this Agreement, including but not limited to lost
     profits, business interruption, loss of business information, or cover,
     even if such party has been advised of the possibility of such damages;
     provided, however, that this limitation shall not apply to: (a) a breach of
     Sections 12(h), 13(h), 14 or 15. The terms of this Section 17 shall survive
     the termination of this Agreement, whether by expiration of time, operation
     of law, or otherwise.

18.  Audit Rights. DealerTrack agrees to maintain books and records relating to
     this Agreement in accordance with its normal business practices.
     DealerTrack shall require its outside host service provider to perform an
     annual audit of DealerTrack's production and disaster recovery facility in
     accordance with the AICPA's Statement of Accounting Standards No. 70, Type
     2, "Special Purpose Report on Internal Accounting Control at Service
     Organization" and the AICPA's Audit Guide, "Audit of Service-Center
     Produced Records." DealerTrack shall provide Lender with a copy of the SAS
     70 report prepared in connection with the audit within a reasonable time
     after it prepares or receives the SAS 70 report. Upon reasonable prior
     notice, during regular business hours, Lender may, at its expense and upon
     five (5) Business Days prior notice, perform or arrange for an audit of
     DealerTrack's operations and accounting relating to the products and
     services provided hereunder during regular business hours. Such audits will
     be performed no more frequently than once each calendar year and once for a
     period of six months after the termination of this Agreement. Lender will
     provide DealerTrack with a copy of each report prepared in connection with
     any such audit within ten (10) calendar days after it prepares or receives
     such report. The terms of this Section 18 shall survive the termination of
     this Agreement, whether by expiration of time, operation of law, or
     otherwise.

19.  Information/Technology Control Policies.

     a.   Right to Examine Records. DealerTrack agrees that any regulatory
          agency with supervisory responsibility for Lender shall have the right
          for the purpose of determining DealerTrack's compliance with Section
          19(d) below to examine all records and materials, use the equipment
          and interview those employees of DealerTrack to the extent that such
          officials deem necessary to protect the interest of depositors,
          creditors or stockholders of Lender or as otherwise permitted under
          applicable law, rule or regulation.

     b.   Audits. Upon Lender's request, DealerTrack shall allow Lender for the
          purpose of determining DealerTrack's compliance with Section 19(d)
          below to access any third party or internal audit reports of
          DealerTrack relating to control policies and procedures prepared at
          DealerTrack's request during the term of this Agreement.

     c    On-Site Reviews. During the term of this Agreement, DealerTrack also
          shall allow Lender and its external auditors on Lender's behalf to
          perform periodic on-site reviews of DealerTrack's physical site as
          Lender deems reasonably appropriate for the purpose of determining
          DealerTrack's compliance with

<PAGE>

21.  Taxes. DealerTrack shall be responsible for the payment of all Taxes levied
     or imposed on or with respect to sales of goods or services by DealerTrack
     in connection with the Service or the DealerTrack Site.

22.  Insurance. DealerTrack, within five (5) business days after the execution
     of this Agreement, shall procure and maintain, at its own expense, the
     required insurance of the kinds and limits enumerated hereunder, with
     companies acceptable to Lender. Wells Fargo & Company and any and all
     Affiliates as their interest may appear shall be named as an additional
     insured under DealerTrack's Commercial General Liability insurance policy.
     DealerTrack may carry, at its own expense, such additional insurance as it
     may deem necessary. DealerTrack shall not be deemed to be relieved of any
     responsibility by the fact that it carries insurance. The required
     insurance and limits are as follows:

     a.   Errors & Omissions Liability Insurance covering the design,
          development, maintenance, operation of the Services, and anything
          incidental thereto, for a limit of not less than ten million dollars
          ($10,000,000);

     b.   Intellectual Property Insurance covering infringement of patents,
          trademarks, trade secrets, and copyright infringement as respects the
          design and development of the systems used to operate and maintain the
          Service for a limit of not less than one million dollars ($1,000,000);

     c.   Commercial Blanket Bond covering each employee while engaged in the
          work hereunder with a limit of not less than one million dollars
          ($1,000,000) and including coverage, without limitation, for property
          of others in possession of said employee while performing their duties
          for Lender;

     d.   If DealerTrack has any employees, Workers' Compensation and Employer's
          Liability Insurance in accordance with the applicable laws of the
          State of New York or the state in which the work is to be performed or
          of the state in which DealerTrack is obligated to pay compensation to
          employees engaged in the performance of the work. The policy limit
          under the Employer's Liability Insurance section shall not be less
          than one million dollars ($1,000,000) for any one accident;

     e.   Commercial General Liability Insurance covering the work, the
          performance of the Service and everything incidental thereto, with
          limits of not less than two million dollars ($2,000,000) per
          occurrence combined single limit, and extended to cover: (i)
          Contractual Liability assumed by DealerTrack under the indemnification
          set forth in Section 16, (ii) if any of the work is subcontracted,
          Independent Contractors Liability providing coverage in connection
          with such portion of the work which may be subcontracted, (iii) Broad
          Form Property Damage Liability, and (iv) Personal Injury and
          Advertising Liability;

     f.   Automobile Liability including coverage on owned, hired, and non-owned
          automobiles and other vehicles, if used in connection with the
          performance of the work, with Bodily Injury and Property Damage limits
          of not less than two million dollars ($2,000,000) per occurrence
          combined single limit;

     g.   Building and/or Personal Property Insurance including coverage for the
          cost to research, replace, or restore lost information of damaged
          valuable papers and records including those that exist on electronic
          or magnetic media, against all risks of physical loss or damage
          including theft, on a replacement cost basis;

     h.   Business Interruption and Extra Expense Insurance against all risks of
          physical loss or damage including off-premises power failure and
          consequential losses resulting from the disruption of a supplier or
          subcontractors operations;

<PAGE>

     i.   Comprehensive Crime Insurance, including (i) Employee
          Dishonesty/Fidelity (including Computer Crime/Fraud coverage for all
          officers and employees of the Insuring Party, including officers and
          employees who are shareholders of the Insuring Party) with a minimum
          coverage limit of $5,000,000 per loss, (ii) Computer Crime/Fraud
          coverage for all other persons with a minimum coverage limit of
          $5,000,000 per loss, (iii) Forgery coverage with a minimum coverage
          limit of $5,000,000 per loss, (iv) On Premises coverage with a minimum
          coverage limit of $5,000,000 per loss, and (v) In Transit coverage
          with a minimum coverage limit of $5,000,000 per loss, and;

     j.   Such other insurance as may be required from time to time by notice to
          DealerTrack.

     DealerTrack shall have its insurance carrier or carriers issue Certificates
     of Insurance to Lender evidencing that all insurance required is in force,
     and such certificates shall stipulate that the insurance shall not be
     canceled or substantially changed without thirty (30) days prior notice in
     accordance with the notice provisions set forth in herein. Should
     DealerTrack at any time neglect or refuse to provide the required
     insurance, or should such insurance be canceled, Lender shall have the
     right to procure such insurance and the cost thereof shall be deducted from
     monies then due or thereafter to become due DealerTrack. DealerTrack's
     insurance shall be primary and all insurance carried by Lender is strictly
     excess and shall not contribute with DealerTrack's insurance.

23.  Links and Licenses.

     a.   DealerTrack agrees to promptly provide during the term of this
          Agreement, upon Lender's request and in Lender's sole discretion,
          navigation through two way browser links from the DealerTrack Site to
          the Lender Site with return links to the DealerTrack Site from the
          Lender Site (collectively the "Site Link").

     b.   Lender hereby grants DealerTrack a royalty-free, non-exclusive license
          to use the Lender Marks in connection with the Site Link described in
          Section 23(a) above, subject to the terms and conditions established
          by Lender from time to time in its sole discretion.

     c.   DealerTrack hereby grants Lender a royalty-free, non-exclusive license
          to use the DealerTrack Marks, in connection with the Site Link
          described in Section 23(a) above, subject to the terms and conditions
          established by DealerTrack from time to time in its sole discretion.

     d.   In the event that Lender elects to require the Site Link, Lender then
          grants DealerTrack a royalty-free, non-exclusive license to link the
          DealerTrack Site to the Lender Site.

     e.   In the event that Lender elects to require the Site Link, DealerTrack
          then grants Lender a royalty-free, non-exclusive license to link the
          Chase Site to the DealerTrack Site.

24.  Marks. Except as provided herein, DealerTrack will not use the Lender Marks
     and Lender will not use the DealerTrack Marks without the other party's
     prior written consent. The parties acknowledge and agree that DealerTrack
     is the owner of any and all DealerTrack Marks and Lender is the owner of
     any and all Lender Marks. The parties acknowledge and agree that they shall
     not acquire any ownership rights whatsoever in any Marks of the other
     party. The terms of this Section 24 shall survive the termination of this
     Agreement, whether by expiration of time, operation of law, or otherwise.

<PAGE>

25.  Miscellaneous.

     a.   Entire Agreement. This Agreement sets forth the entire agreement
          between the parties with respect to the subject matter hereof, and no
          party shall be bound by any conditions, definitions, warranties,
          understandings or representations with respect to such subject matter
          other than as expressly provided herein, or in any prior existing
          written agreement between the parties. This Agreement supersedes all
          prior oral or written representations, agreements, promises, or other
          communications, concerning or relating to the subject matter of this
          Agreement. No terms or conditions or any Financial Institution
          purchase order form or other form originated by Lender will be
          effective as a modification of the terms and conditions of this
          Agreement, unless duly executed by both parties.

     b.   Modifications and Amendments; Waiver. Except as otherwise expressly
          provided in this Agreement, this Agreement may not be amended or
          modified except by a written agreement signed by authorized
          representatives of each party. The failure of DealerTrack or Lender in
          any one or more instances to insist upon strict performance of any of
          the terms or provisions of this Agreement will not be construed as a
          waiver or relinquishment, to any extent, of the right to assert or
          rely upon any such terms or provisions on any future occasion.

     c.   Headings. The captions to sections of this Agreement are for
          convenience of reference only and do not in any way limit or amplify
          the terms or conditions hereof.

     d.   Severability. If any provision of this Agreement is held by a court of
          competent jurisdiction to be invalid or unenforceable, such provision
          or requirement will be enforced only to the extent it is not in
          violation of such law or is not otherwise unenforceable and all other
          provisions and requirements of this Agreement will remain in full
          force and effect.

     e.   Notices. Where notice, approval or similar action by either party is
          permitted or required by any provision of this Agreement, such action
          shall not be unreasonably delayed or withheld. Any notice, demand or
          other communication required or permitted under the terms of this
          Agreement shall be in writing and shall be made by Federal Express,
          Airborne Express, or other similar overnight delivery service,
          telegram, telex, facsimile or electronic transmitter or certified or
          registered mail, return receipt requested. A notice shall be deemed to
          be received by the addressee: one (1) business day after sending, if
          sent by overnight delivery service, telegram, telex, facsimile or
          electronic transmitter; and three (3) business days after mailing, if
          sent by certified or registered mail. Notices shall be addressed as
          follows:

          In the case of notices to Lender:
                                            Wells Fargo Bank
                                            Scott Baines
                                            1300 Montego
                                            Walnut Creek, CA

          In the case of notices to DealerTrack:
                                            DealerTrack
                                            105 Maxess Road
                                            Melville, New York 11747
                                            Attention: Richard McLeer

          Any party to this Agreement may from time to time change its address
          for notification purposes by giving the other prior written notice of
          the new address and the date upon which it will become effective.

<PAGE>

     f.   Successors and Assigns. This Agreement may not be assigned by either
          party without the prior written consent of the other party, and any
          attempted unauthorized assignment will be void; provided, however,
          that a party may assign this Agreement to any of its Affiliates.
          Notwithstanding the foregoing, either party may assign any of its
          rights and obligations under this Agreement to the surviving
          corporation with or into which that party may merge or consolidate, or
          an entity to which that party transfers all, or substantially all, of
          its voting securities or assets; provided, however, that upon notice
          of such event the other party shall have the right to terminate this
          Agreement without cause on thirty (30) days prior written notice to
          the other party.

     g.   Relationship of Parties; Third Party Beneficiaries. Nothing in this
          Agreement shall constitute or be deemed to constitute a relationship
          of employer and employee, agency, joint venture or partnership between
          the parties hereto or constitute or be deemed to constitute one party
          as agent of the other, for any purpose whatsoever, and except as
          expressly provided herein, neither party shall have the authority or
          power to bind the other, or to contract in the name of or create a
          liability against the other, in any way or for any purpose.
          DealerTrack will perform all services under this Agreement as an
          independent contractor. No person or entity not a party to this
          Agreement, including but not limited to DealerTrack Dealers, will be
          deemed to be a third party beneficiary of this Agreement or any
          provision hereof.

     h.   Governing Law: Jurisdiction. This Agreement will be governed by and
          construed and enforced solely and exclusively in accordance with the
          laws of the State of New York exclusive of its choice of law rules and
          without application of the rule of contract construction that
          ambiguities in a contract are construed against the interests of the
          party drafting the contract.

     i.   Background and Exhibits. The exhibits identified below, as they may be
          modified in accordance with the terms of this Agreement, are
          incorporated by reference herein and shall constitute substantive
          parts of this Agreement.

     j.   EEOC. Unless exempt, DealerTrack will comply with U.S. Department of
          Labor regulations regarding (a) equal employment opportunity
          obligations of government contractors and subcontractors, 41 Code of
          Federal Regulations ("CFR") Section 60.1.4 (a)(l)-(7); (b) employment
          by government contractors of Vietnamera and disabled veterans, 41
          C.F.R. Section 60-250.4 (a)-(m); (c) employment of the physically
          handicapped by government contractors and subcontractors, 41 C.F.R.
          Section 60-741.4 (a)-(f); (d) developing written affirmative action
          programs, 41 C.F.R. Section 60-2.1, 60-250.5 and 60-741.5; (e)
          certifying no segregated facilities, 41 C.F.R. Section 60-1.8(f); (f)
          filing annual EEO-1 reports, 41 C.F.R. Section 60-1.7; and (g)
          utilizing minority-owned and female-owned business concerns, 48 C.F.R.
          Section 52-219.9 and 52-219.12, all of which are incorporated herein
          by reference.

     k.   Ethical Hack. DealerTrack agrees that Lender is permitted to conduct
          an Ethical Hack as part of Lender's normal information security due
          diligence review and compliance. "Ethical Hack" shall mean the efforts
          of a third party computer security testing firm on the systems used in
          the operation of the Service to identify any security faults. If
          vulnerabilities are identified, DealerTrack will document its
          remediation proposal and provide Lender with such documentation and
          reports on the status of modifications to correct such
          vulnerabilities.

     1.   Nondisclosure of Terms. Each party agrees for itself, its agents, and
          representatives that the terms of this Agreement are confidential, and
          neither party shall disclose any of the terms hereof to any third
          party (except for disclosure reasonably made to legal representatives
          and accountants) without the prior written consent of the other party
          or as may be required by either party to comply with applicable U.S.
          laws or regulations.

<PAGE>

     m.   Counterparts. This Agreement may be executed in one or more
          counterparts, each of which shall for all purposes be deemed to be an
          original and all of which shall constitute the same instrument.

     n.   Regulatory Matters. DealerTrack shall notify Lender of any material
          claim or demand that is communicated to DealerTrack from any
          governmental agency, regarding DealerTrack's activities (provided such
          claim or demand is related to this Agreement) or any action pertaining
          to the foregoing which is commenced against DealerTrack by any
          governmental agency and shall keep Lender apprised of the status
          and/or disposition of all such claims, demands and litigation.

     o.   Force Majeure. To the extent that either party's performance of any of
          its obligations pursuant to this Agreement is prevented, hindered or
          delayed, directly or indirectly, by a Force Majeure Event, and such
          non-performance could not have been prevented by reasonable
          precautions, then the non-performing party shall be excused from any
          further performance of those obligations. The non-performing party
          shall only be excused for so long as such Force Majeure Event
          continues and such party continues to use its best efforts (or cause
          its subcontractor to use best efforts) to recommence performance
          whenever and to whatever extent possible without delay, including
          through the use of alternate sources, work around plans or other
          means. The party whose performance is prevented, hindered or delayed
          by a Force Majeure Event shall immediately notify the other party by
          telephone of the occurrence of the Force Majeure Event and describe
          the Force Majeure Event in reasonable detail (to be confirmed in
          writing within two days of the inception of such delay, or as soon as
          practicable). If any Force Majeure Event prevents or restricts
          DealerTrack's performance of the Service and DealerTrack does not
          within three (3) consecutive days recommence provision of the Service,
          Lender may, upon notice to DealerTrack, terminate this Agreement. The
          occurrence of a Force Majeure Event does not limit or otherwise affect
          DealerTrack's obligation to provide either normal recovery procedures
          or any other disaster recovery services required pursuant to Lender
          Information/Technology Control Policies set forth in this Agreement.

     p.   Interpretation of Documents. In the event of a conflict between this
          Agreement and the terms of any Exhibit, the terms of this Agreement
          shall prevail.

     q.   Publicity. DealerTrack: (i) shall submit to Lender all proposed
          advertising, sale promotion and other publicity material in which
          Lender's name is mentioned or language is used from which Lender's
          name may be inferred or implied and shall not publish or use any such
          material without the prior written consent of Lender, and (ii) shall
          not publicly reveal the existence of this Agreement or any of its
          terms without the prior written consent of Lender. Notwithstanding the
          foregoing, DealerTrack will submit all approvals of the DealerTrack
          Site, and web pages as provided in Section 11, and Lender agrees that
          DealerTrack may use Lender's name when identifying lenders who have
          executed agreements with DealerTrack and who are utilizing the
          DealerTrack Services.

     r.   Arbitration.

          i.   Upon the demand of any party, any Dispute shall be resolved by
               binding arbitration in accordance with the terms of this Section
               25 (r) [except as set forth in subsection (5) below]. A "Dispute"
               shall mean any action, dispute, claim or controversy of any kind,
               whether in contract or tort, statutory or common law, legal or
               equitable, now existing or hereafter arising under or in
               connection with, or in any way pertaining to this Agreement. Any
               party may by summary proceedings, bring an action in court to
               compel arbitration of a Dispute. Any party who fails or refuses
               to submit to arbitration following a lawful demand by any other
               party shall bear all costs and expenses incurred by such other
               party in compelling arbitration of any Dispute.

<PAGE>

          ii.  Governing Rules. Arbitration proceedings shall be administered by
               the American Arbitration Association ("AAA") or such other
               administrator as the parties shall mutually agree upon.
               Arbitration shall be conducted in accordance with the AAA
               Commercial Arbitration Rules. If there is any inconsistency
               between the terms hereof and any such rules, the terms and
               procedures set forth herein shall control. All Disputes submitted
               to arbitration shall be resolved in accordance with the Federal
               Arbitration Act (Title 9 of the United States Code). The
               arbitration shall be conducted at a location in New York selected
               by the AAA or other administrator. All statutes of limitation
               applicable to any Dispute shall apply to any arbitration
               proceeding. All discovery activities shall be expressly limited
               to matters directly relevant to the Dispute being arbitrated.
               Judgment upon any award rendered in an arbitration may be entered
               in any court having jurisdiction; provided however, that nothing
               contained herein shall be deemed to be a waiver, by any party
               that is a bank, of the protections afforded to it under 12 U.S.C.
               Section 91 or any similar applicable state law.

          iii. No Waiver; Provisional Remedies. No provision hereof shall limit
               the right of any party to obtain provisional or ancillary
               remedies, including without limitation injunctive relief,
               attachment or the appointment of a receiver, from a court of
               competent jurisdiction before, after or during the pendency of
               any arbitration or other proceeding. The exercise of any such
               remedy shall not waive the right of any party to compel
               arbitration or reference hereunder.

          iv.  Arbitrator Qualifications and Powers; Awards. Arbitrators must be
               active members of the New York State Bar or retired judges of the
               state or federal judiciary of New York, with expertise in the
               substantive laws applicable to the subject matter of the Dispute.
               Arbitrators are empowered to resolve Disputes by summary rulings
               in response to motions filed prior to the final arbitration
               hearing. Arbitrators (i) shall resolve all Disputes in accordance
               with the substantive law of the state of New York, (ii) may grant
               any remedy or relief that a court of the state of New York could
               order or grant within the scope hereof and such ancillary relief
               as is necessary to make effective any award, and (iii) shall have
               the power to award recovery of all costs and fees, to impose
               sanctions and to take such other actions as they deem necessary
               to the same extent a judge could pursuant to the Federal Rules of
               Civil Procedure, the New York Rules of Civil Procedure or other
               applicable law. Any Dispute in which the amount in controversy is
               $2,000,000 or less shall be decided by a single arbitrator who
               shall not render an award of greater than $2,000,000 (including
               damages, costs, fees and expenses). By submission to a single
               arbitrator, each party expressly waives any right or claim to
               recover more than $5,000,000. Any Dispute in which the amount in
               controversy exceeds $2,000,000 shall be decided by majority vote
               of a panel of three arbitrators; provided however, that all three
               arbitrators must actively participate in all hearings and
               deliberations.

          v.   Judicial Review. Notwithstanding anything herein to the contrary,
               in any arbitration in which the amount in controversy exceeds
               $2,000,000, the arbitrators shall be required to make specific,
               written findings of fact and conclusions of law. In such
               arbitrations (i) the arbitrators shall not have the power to make
               any award which is not supported by substantial evidence or which
               is based on legal error, (ii) an award shall not be binding upon
               the parties unless the findings of fact are supported by
               substantial evidence and the conclusions of law are not erroneous
               under the substantive law of the state of New York, and (iii) the
               parties shall have in addition to the grounds referred to in the
               Federal Arbitration Act for vacating, modifying or correcting an
               award, the right to judicial review of (A) whether the findings
               of fact rendered by the arbitrators are supported by substantial
               evidence, and (B) whether the conclusions of law are erroneous
               under the substantive law of the state of New York. Judgment
               confirming an award in such a proceeding may be entered only if a
               court determines the award is supported by substantial evidence
               and not based on legal error under the substantive law of the
               state of New York.

<PAGE>

          vi.  Damages. The arbitrator(s) will have no authority to award
               damages in excess of those set forth in Section 25 (r) of this
               Agreement. Any award in an arbitration under this Section shall
               be limited to monetary damages and shall include no injunction or
               direction to any party other than the direction to pay a monetary
               amount.

          vii. Miscellaneous. To the maximum extent practicable, the AAA, the
               arbitrators and the parties shall take all action required to
               conclude any arbitration proceeding within 180 days of the filing
               of the Dispute with the AAA. No arbitrator or other party to an
               arbitration proceeding may disclose the existence, content or
               results thereof, except for disclosures of information by a party
               required in the ordinary course of its business, by applicable
               law or regulation, or to the extent necessary to exercise any
               judicial review rights set forth herein. This arbitration
               provision shall survive termination, amendment or expiration of
               the Agreement or any relationship between the parties.

IN WITNESS WHEREOF, the parties to this Agreement have signed and affixed their
seals to this Agreement effective as of the day and year first written above.

DEALERTRACK INC.                        WELLS FARGO & COMPANY

By: /s/ Gary Perdue                     By: /s/ Michael R James
    ---------------------------------       ------------------------------------
Name: Gary Perdue                       Name: Michael R James
Title: Vice President                   Title: Group Executive Vice President

<PAGE>

                    AMENDMENT TO DEALERTRACK LENDER AGREEMENT

          This AMENDMENT TO DEALERTRACK LENDER AGREEMENT (this "Amendment") is
made and entered into as of December 28, 2001, by and between DealerTrack.com,
Inc. ("DealerTrack") and Wells Fargo & Company ("Lender").

          WHEREAS, DealerTrack and Lender are parties to a DealerTrack Lender
Agreement, dated as of August 31, 2001 (the "Lender Agreement"); and

          WHEREAS, DealerTrack and Lender desire to (i) amend Section 12(m)
relating to fees and charges on a sliding scale tied to volume, (ii) provide
Lender with certain other rights, including amending Section 18 (Audits) as set
forth in Section 3 hereto, (iii) amend Section 9 (Term and Termination) to
restrict DealerTrack's right to terminate the Agreement and (iv) amend Section
22(a) (Insurance) to provide for a lower insured limit for Errors & Omission
liability insurance, effective as of the date hereof, on the terms and
conditions set forth herein.

          NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereby agree as
follows:

          1. Definitions. Capitalized terms used herein and not otherwise
defined shall have the meanings set forth in the Lender Agreement.

          2. Amendment of Section 12(m).

          (A) Section 12(m) is hereby amended by adding the phrase "or in any
other agreement entered into by and between the parties with respect to the
provision of products and services by DealerTrack" after the words "this
Agreement" in the first sentence of such Section 12(m).

          (B) Section l2(m) is hereby amended by (i) deleting the phrase "volume
amount" in the last sentence of such Section 12(m) and replacing it with the
phrase "specified volume amount of a specific type of transaction processed
through the Service," and (ii) inserting the phrase "for such specific type of
transaction." at the end of the last sentence of such Section 12(m).

          3. Product Placement, Preferences and Audit Information.

          (A) The following section is hereby added after Section 25(r)(vii) of
the Lender Agreement:

          26. Product Placement and Preferences. For no additional
consideration and unless otherwise approved by the Board of Directors of either
DealerTrack or its parent company, DealerTrack Holdings, Inc. (the "Parent
Company"):

          (a) Product Placement.

               (i) If DealerTrack elects, in its sole discretion, and provided
     DealerTrack has received the written permission of Lender, to place on the
     DealerTrack

                                       -1-

<PAGE>

     Site the name, mark, logo, advertisement, description of products and
     services, promotional and informational content ("Product Information") of
     Lender, DealerTrack shall place such Product Information (x) Prominently
     (as defined below) and (y) not less Prominently than it places
     substantially similar Product Information of any DealerTrack Financial
     Institution, or its Affiliate, which is a stockholder of the Parent Company
     (a "Stockholder Lender"); and

               (ii) Notwithstanding anything to the contrary contained in
     Section 26(a)(i), DealerTrack shall place on the DealerTrack Site the
     Product Information of each Stockholder Lender not less Prominently than
     the Product Information it places substantially similar Product Information
     of any other third party (excluding DealerTrack, its subsidiaries, the
     Parent Company and any other majority-owned subsidiaries of the Parent
     Company).

               (iii) For the purpose hereof, "Prominently" means in a readily
     noticeable and conspicuous manner.

               (iv) The refusal of Lender to grant permission to DealerTrack to
     place Product Information of Lender on the DealerTrack Site after receiving
     a written request from DealerTrack for such permission shall not result in
     a breach by either DealerTrack or Lender of Section 26(a)(i) or 26(a)(ii).

               (v) Nothing contained in this Section 26(a) shall be construed to
     prevent Captives (as defined below), which may or may not be Stockholder
     Lenders, from being granted special treatment by DealerTrack with respect
     to placement of Product Information, if requested by an automobile
     manufacturer or automobile distributor in connection with the sale of its
     automobiles by and at the location of its franchised DealerTrack Dealers.
     For purposes of this Agreement, "Captives" means a finance company either
     owned or designated by an automobile manufacturer or automobile distributor
     to whom such automobile manufacturer or automobile distributor provides
     subvention dollars in order for such finance company to provided subvention
     financing to such automobile manufacturer's or automobile distributor's
     franchised DealerTrack Dealers solely for such automobile manufacturer's or
     automobile distributor's vehicles.

          (b) No Preference in Credit Application Transmission. DealerTrack
shall not, subject to the right of each DealerTrack Dealer, together with its
Affiliates, or DealerTrack Financial Institution to create and or use one or
more credit application filtering process in connection with the Service (which
shall only affect credit applications associated with such DealerTrack Dealer
and its Affiliates or such DealerTrack Financial Institution), prefer any
Stockholder Lender as to another Stockholder Lender or any other DealerTrack
Financial Institution with respect to the transmission of any credit
applications by a DealerTrack Dealer in electronic form by means of the Service
to a DealerTrack Financial Institution. Nothing contained in this Section 26(b)
shall be construed to prevent Captives, which may or may not be Stockholder
Lenders, from being granted special treatment by DealerTrack with respect to
credit applications originated at their affiliated DealerTrack Dealers, if
requested by an automobile manufacturer or automobile distributor in connection
with the sale of its automobiles by and at

                                       -2-

<PAGE>

the location of its franchised DealerTrack Dealers.

          (B) Section 18 of the Lender Agreement is hereby amended by adding
"(a)" after the phrase "Audit Rights" and adding the following subsection (b)
after Section 18(a):

          "(b) Lender shall be entitled to designate, subject to the approval of
DealerTrack which shall not be unreasonably withheld, an independent auditor of
national standing to audit DealerTrack's records relating to DealerTrack's
compliance with the most favored pricing treatment provisions of Section 12(m)
of this Agreement with respect to the fees or charges which were charged to
Lender thereunder no more often than once per calendar year. The sole purpose of
such audit shall be to enable such auditor to report to Lender as to whether
DealerTrack has complied with its obligations under Section 12(m) of this
Agreement. Such audit shall not unreasonably interfere with the conduct of
DealerTrack's business, and the independent auditor conducting such audit, prior
to the conduct of such audit, shall agree in writing with DealerTrack to keep
confidential all materials and information (including, without limitation, all
agreements with DealerTrack Dealers and DealerTrack Financial Institutions,
including, without limitation, the other Stockholder Lenders, and the terms
thereof) supplied to them by DealerTrack in connection with such audit. Such
audit shall be at Lender's expense; provided that if such audit demonstrates any
overpayment of the amount due under this Agreement for the period audited of
three percent (3%) or more, then the expense of such audit shall be borne by
DealerTrack. To the extent that the audit reveals a violation of Section 12(m)
with respect to the calculation of fees and charges resulting in payments by
Lender greater than those of other DealerTrack Financial Institutions,
DealerTrack shall reimburse Lender for such overpayment within twenty (20) days
of receipt of written notice by Lender of such overpayment."

          (C) Section 16(a) of the Lender Agreement is hereby amended by
deleting 16(a)(ii) in its entirety and replacing such subsection with the
following:

          "(ii) gross negligence, or willful or wanton behavior of the
indemnifying party, its affiliates, or any of their respective officers,
directors, employees, or agents; or

          (iii) or asserted by a third party against the indemnifying party with
respect to the use of any approved Product Information (including, without
limitation, Lender Marks) provided by such party."

          4. Amendment of Section 9(a). Section 9(a)of the Lender Agreement is
hereby amended by deleting Section 9(a) in its entirety and replacing such
subsection with the following:

          "The term of this Agreement shall begin on the Effective Date, and
shall continue for a period of two (2) years from the Acceptance Date (the
"Initial Term") unless sooner terminated as provided below. Upon expiration of
the Initial Term, unless terminated by either party by notice of termination
given not less than sixty (60) days prior to expiration of the Initial Term,
this Agreement shall automatically renew for successive one (1) year terms
(each, a "Renewal Term"). During any Renewal Term, notice of termination by
either party shall be effective at the end of such Renewal Term by notice of
termination if given not less than sixty

                                      -3-

<PAGE>

(60) days prior to the expiration of such Renewal Term. Notwithstanding anything
contained in this Section 9(a) to the contrary, DealerTrack shall not have any
right whatsoever to terminate this Agreement upon the expiration of the Initial
Term or any such Renewal Term, as the case may be, except for cause as set forth
in Section 9(b) below, for so long as the Lender, together with its Affiliates
(as such term is defined in the Amended and Restated Stockholders' Agreement of
the Parent Company, dated as of the date hereof, among the Parent Company and
the stockholders listed therein (the "Stockholders' Agreement")), holds either
(i) equity securities of the Parent Company representing at least five (5%)
percent of the voting power thereof (determined on a Fully Diluted Basis (as
defined in the Stockholders' Agreement)), (ii) seventy five (75%) percent of the
capital stock of the Parent Company held by it as of the Effective Date (as
adjusted for stock splits, stock dividends and the like) or (iii) capital stock
whose fair market value is at least $6,000,000 based on the last offering of
securities by the Parent Company. Notwithstanding anything contained in this
Section 9(a) to the contrary, prior to any renewal of the Agreement hereunder,
the parties agree to negotiate in good faith any amendments to the then current
terms and conditions of the Agreement (other than the most favored pricing
provisions set forth in Section 12(m)) that make the then current terms and
conditions of the Agreement impractical in light of changes to DealerTrack's
business and provided further, that DealerTrack is attempting to treat Lender in
substantially a similar manner as other DealerTrack Financial Institutions."

          5. Amendment of Section 22(a). Section 22(a)of the Lender Agreement is
hereby amended by deleting Section 22(a) in its entirety and replacing such
subsection with the following:

          "Errors & Omissions Liability covering the design, development,
maintenance, operation of the Services, and anything incidental thereto, for a
limit of not less than one million dollars ($1,000,000);"

          6. Authority. Each party represents that it has the authority to enter
into this Amendment and its authority is not inhibited by any agreement or legal
proceeding.

          7. Counterparts. This Amendment may be executed in any number of
counterparts and by the different parties hereto on separate counterparts by
facsimile or otherwise, each of which when so executed and delivered shall be an
original, but all of which shall together constitute one and the same
instrument.

          8. Governing Law. This Amendment shall be governed by and construed
and enforced in accordance with the internal laws of the State of New York
applicable to contracts made or performed in such State.

                  [Remainder of page intentionally left blank]

                                      -4-

<PAGE>

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to
be duly executed and delivered by its authorized officer as of the date first
above written.

                                        DEALERTRACK.COM, INC.

                                        BY: /s/ Mark F. O'Neil
                                            ------------------------------------
                                        Name: Mark F. O'Neil
                                        Title: Chief Executive Officer

                                        WELLS FARGO AUTO FINANCE, INC.

                                        By: /s/ Lou Cosso
                                            ------------------------------------
                                        Name: Lou Cosso
                                        Title: Executive Vice President &
                                               Head of Auto Finance

                                      S-1

<PAGE>

                SECOND AMENDMENT TO DEALERTRACK LENDER AGREEMENT

          This SECOND AMENDMENT TO DEALERTRACK LENDER AGREEMENT (this
"Amendment") is made and entered into as of October 24, 2002, by and between
DealerTrack, Inc., f/n/a DealerTrack.com, Inc. ("DealerTrack") and Wells Fargo &
Company and any of its Affiliates ("Lender").

          WHEREAS, DealerTrack and Lender are parties to a DealerTrack Lender
Agreement, dated as of August 31, 2001, as amended by that certain Amendment to
DealerTrack Lender Agreement, dated as of December 28, 2001 (the "Lender
Agreement"); and

          WHEREAS, DealerTrack and Lender desire to (i) amend Section 11(a) with
respect to the grant of a license to Lender and its Affiliates use of the
Service in Canada and (ii) amend Section 12(m) with respect to the most
favorable treatment of certain fees and charges under certain circumstances,
effective as of the date hereof, on the terms and conditions set forth herein.

          NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereby agree as
follows:

          1.Definitions. Capitalized terms used herein and not otherwise defined
shall have the meanings set forth in the Lender Agreement.

          2.Amendment of Section 11(a). Section 11(a) is hereby amended by
inserting the phrase "and Canada" after the phrase "United States" in the first
sentence.

          3.Amendment of Section 12(m). Section 12(m) is hereby amended by
deleting Section 12(m) in its entirety and replacing such subsection with the
following:

          "DealerTrack shall not charge Lender any fee and/or charge for any
products or services provided to Lender under the terms of the Agreement or in
any other agreement entered into by and between the parties with respect to the
provision of products and services by DealerTrack that are higher than the
lowest fee and/or charge that DealerTrack charges any other DealerTrack
Financial Institution for such products or services, except for any discount on
a fee or charge offered to (i) Captives, whether or not such Captives are
Stockholder Lenders, upon the prior approval of at least seventy-five percent
(75%) of the board of directors of DealerTrack and (ii) a new DealerTrack
Financial Institution (including any Captives) for a period not to exceed six
(6) months after the "Acceptance Date" of such DealerTrack Financial
Institution. In the event that such fee and/or charge is based on a sliding
scale tied to a specified volume amount of a specific type of transaction
processed through the Service, Lender's fee and/or charge shall be no higher
than the lowest fee or charge applicable to any DealerTrack Financial
Institution (other than any Captives whose fees and charges have been approved
by the board of directors of DealerTrack as provided for in clause (i) of the
preceding sentence) for Lender's actual volume amount for such specific type of
transaction."

          4.Authority. Each party represents that it has the authority to enter
into this Amendment and its authority is not inhibited by any agreement or legal
proceeding.

                                      -1-

<PAGE>

          5.Counterparts. This Amendment may be executed in any number of
counterparts and by the different parties hereto on separate counterparts by
facsimile or otherwise, each of which when so executed and delivered shall be an
original, but all of which shall together constitute one and the same
instrument.

                  [Remainder of page intentionally left blank]

                                      -2-

<PAGE>

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to
be duly executed and delivered by its authorized officer as of the date first
above written.

                                        DEALERTRACK, INC.

                                        By:
                                            ------------------------------------
                                        Name: Mark F. O'Neil
                                        Title: Chief Executive Officer &
                                               President

                                        WELLS FARGO & COMPANY

                                        By:
                                            ------------------------------------
                                        Name:
                                              ----------------------------------
                                        Title:
                                               ---------------------------------

                                      S-1

<PAGE>

                 THIRD AMENDMENT TO DEALERTRACK LENDER AGREEMENT

          This THIRD AMENDMENT TO DEALERTRACK LENDER AGREEMENT (this
"Amendment") is made and entered into as of May ___, 2003, by and between
DealerTrack, Inc. f/k/a DealerTrack.com, Inc. ("DealerTrack") and Wells Fargo &
Company and any of its Affiliates ("Lender").

          WHEREAS, DealerTrack and Lender are parties to a DealerTrack Lender
Agreement, dated as of August 31, 2001, as amended by those certain Amendments
to DealerTrack Lender Agreement, dated as of December 28, 2001 and October 24,
2002 (the "Lender Agreement"); and

          WHEREAS, DealerTrack and Lender desire to (i) amend Section 9(d) to
reflect a change in termination rights, (ii) amend Section 10 (Payments and
Payment Terms) to reflect the purchase of Additional Products by Lender from
DealerTrack (iii) amend Section 12(g) with respect to DealerTrack's compliance
with applicable laws and (iv) amend Section 16(a) with respect to an added
indemnification by the parties, effective, in each case as of the date hereof,
on the terms and conditions set forth herein.

          NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereby agree as
follows:

          1. Definitions. Capitalized terms used herein and not otherwise
     defined shall have the meanings set forth in the Lender Agreement.

          2. Amendment of Section 9(d).

          Section 9(d) of the Lender Agreement is hereby amended by deleting
Section 9(d) in its entirety and replacing such subsection with the following:

          "d. This Agreement may be terminated in its entirety or with respect
to any product or service purchased by Lender without cause, upon thirty (30)
days prior written notice, in the event that any fee or charge set forth in this
Agreement with respect to such product or service purchased by Lender is
increased or a new fee or charge with respect to such product or service
purchased by Lender is imposed on Lender by DealerTrack."

          3. Amendment of Section 10.

          Section 10 of the Lender Agreement is hereby amended by deleting
Section 10 in its entirety and replacing such subsection with the following:

          "10. Payments and Payment Terms.

          Lender agrees to pay DealerTrack when due the fees and charges set
forth in this Agreement. Unless otherwise specified, DealerTrack shall invoice
Lender monthly for all fees and charges, payable thirty (30) days after receipt
of such invoice."

                  4.Amendment of Section 12(g).

                                       -1-

<PAGE>

          Section 12(g) of the Lender Agreement is hereby amended by deleting
Section 12(g) in its entirety and replacing such subsection with the following:

          "g. In connection with carrying out its obligations contained in this
Agreement, DealerTrack shall comply at all times with all applicable federal and
state laws, rules and regulations."

          5. Amendment of Section 16(a). Section 16(a) of the Lender Agreement
is hereby amended by deleting Section 16(a)(iii) in its entirety and replacing
such subsection with the following:

          "(iii)asserted by a third party against the indemnified party with
respect to (1) the use of any approved Product Information (including, without
limitation, Lender Marks) provided by the indemnifying party or (2) a default or
alleged default by the indemnifying party arising out of or related to this
Agreement, including, without limitation, any addendum hereto."

          6. Authority. Each party represents that it has the authority to enter
into this Amendment and its authority is not inhibited by any agreement or legal
proceeding.

          7. Counterparts. This Amendment may be executed in any number of
counterparts and by the different parties hereto on separate counterparts by
facsimile or otherwise, each of which when so executed and delivered shall be an
original, but all of which shall together constitute one and the same
instrument.

                  [Remainder of page intentionally left blank]

                                       -2-
<PAGE>

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to
be duly executed and delivered by its authorized officer as of the date first
above written.

                                        DEALERTRACK, INC.

                                        By:
                                            ------------------------------------
                                        Name:
                                              ----------------------------------
                                        Title:
                                               ---------------------------------

                                        WELLS FARGO & COMPANY

                                        By:
                                            ------------------------------------
                                        Name:
                                              ----------------------------------
                                        Title:
                                               ---------------------------------

                                       S-1<PAGE>
                                                                   Exhibit 10.35

                                   DEALERTRACK
                                LENDER AGREEMENT

This DealerTrack Lender Agreement is made as of the 26th day of September, 2001
(the "Effective Date") by and between DealerTrack.com, Inc. ("DealerTrack"),
with its principal place of business at 105 Maxess Road, Suite 109N, Melville NY
11747, and Capital One Auto Finance (Lender"), with its principal place of
business at 3901 Dallas Parkway, Plano TX 75093.

BACKGROUND

     DealerTrack operates "DealerTrack.com," an automated credit application
entry, routing and servicing system which (i) allows automobile dealers to input
credit applications and to transmit electronically such credit applications to
lending institutions, (ii) allows such automobile dealers to track the approval
process of such credit applications, and (iii) allows such lending institutions
to electronically transmit credit decisions back to such automobile dealers. In
addition, the DealerTrack service also allows dealers to review prospect
reports, dealer reserve statements, retail and lease rates, residual value
information and payoff quotes from subscribing lending institutions and such
other services provided by DealerTrack from time to time. Lender is a lending
institution that desires to subscribe to and use the DealerTrack service to,
among other things, electronically receive credit applications and transmit
credit decisions. Use of the DealerTrack service requires the development of an
interface between DealerTrack's computer and Lender's credit processing system
which permits credit applications to be received by Lender's credit processing
system and Lender's credit decisions to be transmitted to DealerTrack's
computer. Development of this interface requires the performance of certain
tasks by DealerTrack and the performance of other tasks by Lender. This
DealerTrack Lender Agreement sets forth (i) the respective responsibilities of
each party with respect to the development of the interface, and (ii) the terms
and conditions governing DealerTrack's operation of and Lender's subscription to
and use of the DealerTrack service.

TERMS AND CONDITIONS

IN CONSIDERATION OF the mutual covenants and agreements set forth herein,
DealerTrack and Lender, intending to be legally bound, agree as follows:

1. Definitions As used in this Agreement, the following capitalized terms have
the indicated meanings:

     (a) "Acceptance Date" means the date upon which the Lender System is first
capable of interfacing with the Service to receive credit application data from
a DealerTrack Dealer, to transmit a credit decision back to such DealerTrack
Dealer, and to allow DealerTrack Dealers to view credit application and contract
status information.

     (b) "Affiliate" of a party means any person or entity (i) that owns,
directly or indirectly, through one or more affiliates, at least a majority of
the voting capital stock of such party, or (ii) at least a majority of whose
voting capital stock is owned, directly or indirectly, through one or more
affiliates, by such party, or (iii) at least a majority of whose voting capital
stock is owned directly or indirectly, through one or more affiliates, by
another person or entity that at such time also owns, directly or indirectly,
through one or more affiliates, at least a majority of the voting capital stock
of such party. A person or entity shall be considered an Affiliate only so long
as it continues to satisfy the criteria for an Affiliate established in this
Section l(b).

     (c) "Agreement" means this DealerTrack Lender Agreement, as it may from
time to time be amended or modified by the mutual consent of the parties or in
accordance with its terms, and all exhibits attached to this Agreement, as they
may from time to time be modified.

     (d) "Data" means (i) credit application data encompassing the information
set forth on the credit application form(s) utilized by the Service, as
transmitted in electronic form by means of the Service by a DealerTrack Dealer,
(ii) notice of the credit decision relating to such credit applications, as
transmitted in electronic form by means of the Service by Lender (or any Lender
Affiliate), (iii) credit application and contract status information, prospect
reports, dealer reserve status, retail and lease rates, residual value
information, payoff quotes, (iv) any third party data (e.g., value guide
information) which may be accessed or requested by means of the Service, and
other information that is provided by the Service. DealerTrack may, from time to
time and with prior written notice, add additional data fields to, or as

                                       -1-

<PAGE>

appropriate, delete certain data fields from, the Service. Data entered on the
Service in such additional fields shall be included in the term "Data."

     (e) "DealerTrack Computer" means the computer(s) controlled and operated by
DealerTrack on which DealerTrack maintains the computer programs supporting the
Service.

     (f) "DealerTrack Dealer" means an automobile dealer or other automobile
credit originator that is a subscriber to the Service.

     (g) "DealerTrack Financial Institution" means a bank or other lending
institution which is a subscriber to the Service, including without limitation
Lender.

     (h) "DealerTrack Interface Components" means and consists of the
DealerTrack Interface Equipment Components and the DealerTrack Interface
Software Components.

     (i) "DealerTrack Interface Equipment Components" means the components of
the Interface Equipment for which DealerTrack is responsible as set forth in the
Interface Development Schedule.

     (j) "DealerTrack Interface Software Components" means the components of the
Interface Software for which DealerTrack is responsible as set forth in the
Interface Development Schedule.

     (k) "DealerTrack Marks" means trademarks, service marks, trade names,
domain names and corporate and brand identification and indicia, including,
without limitation, word marks, logos, designs and other picture marks, phrases,
jingles, composite marks, corporate, commercial and institutional names or
images, product designations and identifications, whether registered or not, of
DealerTrack or DealerTrack's Affiliates.

     (l) "DealerTrack Site" means the DealerTrack site on the World Wide Web
that is owned, operated and/or controlled by DealerTrack or any DealerTrack
Affiliate that provides the Service as set forth in this Agreement.

     (m) "Documentation" means the system and user documentation for the Service
provided by DealerTrack to DealerTrack Financial Institutions generally, as
enhanced and/or modified by DealerTrack from time to time.

     (n) "Effective Date" means the date first set forth above when this
Agreement becomes legally binding upon the parties.

     (o) "Force Majeure Event" shall mean fire, flood, earthquake, elements of
nature or acts of God, acts of war, terrorism, riots, civil disorders,
rebellions or revolutions, strikes, lockouts or labor difficulties or any other
cause beyond the reasonable control of a party (except for subcontractor
defaults which do not result from such events).

     (p) "Interface" means and consists of the Interface Equipment and the
Interface Software, and establishes, by means of the Service, the capability for
the Lender Computer to receive Data from, and transmit Data to, the DealerTrack
Computer.

     (q) "Interface Development Schedule" means the written schedule attached
hereto as Exhibit C (as revised from time to time) developed and mutually agreed
upon by DealerTrack and Lender which sets forth the tasks and respective
responsibilities of the parties relating to the development of the Interface,
and the timeframes for accomplishing such tasks. The Interface Development
Schedule shall be in the form of the Interface Development Schedule Exhibit
attached to the Agreement, unless otherwise revised by mutual agreement of the
parties.

     (r) "Interface Equipment" means the DealerTrack Interface Equipment
Components and the Lender Interface Equipment Components.

     (s) "Interface Requirements Documents" means the document (as revised from
time to time) provided by DealerTrack to Lender describing the technical
requirements which the Lender Interface Software Components must meet in order
to allow Lender and Lender Affiliates to utilize the Service.

     (t) "Interface Software" means all software code developed in accordance
with the Interface Development Schedule and utilized by the parties, to permit
the electronic transmission of Data between the DealerTrack Computer and

                                       -2-

<PAGE>

the Lender System in a format that permits the Data to be (i) transmitted from
the Service into the Lender System for processing, and (ii) transmitted from the
Lender System back to the Service upon completion of such processing. The
Interface Software consists of the DealerTrack Interface Software Components and
the Lender Interface Software Components.

     (u) "Intellectual Property" means any intellectual property or proprietary
rights, including, without limitation, copyright rights (including rights in
audiovisual works), moral rights, trademarks (including logos, slogans, domain
names, trade names, service marks), patent rights (including patent applications
and disclosures), know-how, inventions, rights of priority and trade secret
rights, recognized in any country or jurisdiction in the world.

     (v) "Lender Computer" means the computer(s) controlled and operated by
Lender or Lender Affiliates on which Lender or Lender Affiliates maintain the
Lender Software.

     (w) "Lender Interface Components" means and consists of the Lender
Interface Equipment Components, Lender's Interface Server and the Lender
Interface Software Components.

     (x) "Lender Interface Equipment Components" means the components of the
Interface Equipment for which Lender is responsible as set forth in the
Interface Development Schedule. The Lender Interface Equipment Components
consist of the physical connections and associated equipment between the
Lender's Interface Server and the DealerTrack Computer.

     (y) "Lender's Interface Server" means the computer(s) on which the Lender's
Interface Software Components are maintained. The Lender's Interface Server
resides at the site of the Lender and is connected to both the DealerTrack
Computer and the Lender System. The Lender's Interface Server is owned and
operated by the Lender or a Lender Affiliate.

     (z) "Lender Interface Software Components" means the components of the
Interface Software for which Lender is responsible as set forth in the Interface
Development Schedule.

     (aa) "Lender Marks" means trademarks, service marks, trade names, domain
names and corporate and brand identification and indicia, including, without
limitation, word marks, logos, designs and other picture marks, phrases,
jingles, composite marks, corporate, commercial and institutional names or
images, product designations and identifications, whether registered or not, of
Lender or Lender's Affiliates.

     (bb) "Lender Software" means, Lender's, and any Lender Affiliates' credit
underwriting software (whether Internally developed, or licensed, by Lender or
Lender Affiliate) which processes and decisions credit applications transmitted
by means of the Service.

     (cc) "Lender System" means, collectively, the Lender Software, the Lender
Computer, and all operating or system software installed on the Lender Computer.

     (dd) "Service" means the multi-lender Internet-based system used to link
DealerTrack Dealers with DealerTrack Financial Institutions to allow submission
and tracking of credit applications and the related loans and leases associated
with such credit applications to finance the purchase or lease of Automobiles,
to allow DealerTrack Financial Institutions to provide information to
DealerTrack Dealers regarding loans and leases originated by such DealerTrack
Financial Institutions through such DealerTrack Dealers and such other services
provided by DealerTrack from time to time plus, as the context permits, all
equipment, computer programs, patents, trade secrets, designs, documentation,
manuals and specifications thereof or Incorporated therein, including the
DealerTrack Interface Components, but not including the Lender System or the
Lender Interface Components.

     (ee) "Tax" or "Taxes" shall mean any net income, alternative or add-on
minimum tax, gross income, gross receipts, sales, use, ad valorem, franchise,
capital, profits, license, withholding, payroll, employment, excise, severance,
stamp, occupation, premium, property, custom duty, transfer, documentary or
other tax, governmental fee or other like assessment or charge of any kind
whatsoever, including any obligation to contribute to the payment of a tax
determined upon a consolidated, combined or unitary basis with respect to a
group of corporations any Information reporting or backup withholding
obligation, liability or penalty, together with any interest or any penalty,
addition to tax or additional amount imposed by any governmental authority
responsible for the imposition of any such tax.

                                       -3-

<PAGE>

2. Subscription to the Service Lender hereby subscribes to the Service, and
DealerTrack agrees to provide the Service to Lender and Lender Affiliates for
the term of this Agreement, for use by Lender and Lender Affiliates in the
United States in accordance with the terms of this Agreement As a prerequisite
for Lender and Lender Affiliates to use the Service, DealerTrack and Lender must
develop and implement the Interface in accordance with Section 3 below, and
maintain the Interface in accordance with Section 4 below. In addition to the
responsibilities of the parties set forth in Section 4 below relating to
maintenance and modification of the Interface, the responsibilities of each
party with respect to ongoing operation and use of the Service are set forth in
Sections 5 and 6 below.

3. Interface Development With respect to the development of the Interface,
DealerTrack and Lender shall perform their respective responsibilities as set
forth in this Section 3.

     (a) Immediately after the Effective Date, both parties shall consult with
each other on a continuing basis and as reasonably necessary to finalize the
Interface Development Schedule, with the objective of finalizing the Interface
Development Schedule as soon as possible, and no later than thirty (30) days
after the Effective Date. The form of the Interface Development Schedule shall
set forth the respective responsibilities of each party relating to the
development of the Interface. To finalize the Interface Development Schedule
with respect to development of the Interface for Lender, the parties shall
establish the date on which they shall commence work on their respective
responsibilities (the "Interface Development Schedule Commencement Date") and
the schedule for completion of such responsibilities. Upon finalization and
execution by the parties of the Interface Development Schedule, the Interface
Development Schedule shall become a part of this Agreement as Exhibit C and
shall be binding on both parties. Both parties shall proceed with their
respective responsibilities as set forth in the Interface Development Schedule
in a diligent manner and shall use commercially reasonable efforts to allocate
such skilled personnel and other resources to the project as shall be necessary
to complete the development of the Interface so that the Acceptance Date occurs
within one hundred and twenty (120) days of the Interface Development Schedule
Commencement Date.

     (b) DealerTrack has either provided the Interface Requirements Document to
Lender under a separate Non-Disclosure Agreement between the parties, or shall
provide the Interface Requirements Document to Lender following the Effective
Date. Lender acknowledges that the sole purpose for DealerTrack's disclosure of
the Interface Requirements Document to Lender is to allow Lender to develop and
maintain the Lender Interface Software Components and changes to the Lender
System in connection with Lender's use of the Service under the terms of this
Agreement. If the Interface Requirements Document was disclosed to Lender under
a separate Non-Disclosure Agreement, then such disclosure is now governed by the
terms of this Agreement, and the terms of such Non-Disclosure Agreement with
respect to the subject matter of this Agreement are hereby superseded by the
terms of this Agreement.

     (c) DealerTrack and Lender shall cooperate reasonably and in good faith
with respect to such issues that may arise from time to time in connection with
the development of the Interface, to the extent that specific responsibility has
not been designated to one party or the other in this Agreement. The foregoing
notwithstanding, unless otherwise agreed in writing, DealerTrack shall not be
required to incur any expenses or costs in connection with such cooperation to
the extent that such cooperation requires its involvement in any tasks other
than those specifically set forth in the Interface Development Schedule. If
Lender requires DealerTrack to perform any such tasks and DealerTrack agrees,
the parties agree to negotiate in good faith the terms and related costs (if
any) associated with such tasks.

     (d) The parties shall use their best efforts to cause the Acceptance Date
to occur by the earlier of (i) one hundred and twenty (120) days after the
Interface Development Schedule Commencement Date, or (ii) one hundred and fifty
(150) days after the Effective Date.

4. Maintenance of and Modifications to the Interface With respect to maintenance
of and modifications to the Interface, the parties shall perform their
respective responsibilities as set forth in this Section 4.

     (a) DealerTrack shall be responsible for maintaining the DealerTrack
Interface Components and the DealerTrack Computer so that, subject to Lender's
performance of its obligations under this Agreement, the Lender System shall be
capable of receiving Data from, and transmitting Data to, the DealerTrack
Computer.

     (b) Lender shall be responsible for maintaining (i) the Lender Interface
Software Components and the Lender's Interface Server in accordance with the
Interface Requirements Document, and (ii) the Lender Interface Equipment
Components in accordance with the applicable maintenance standards of the
equipment manufacturer so as to not adversely impact the performance of the
Service. In addition, Lender shall develop a system to back up the Lender's

                                       -4-

<PAGE>

Interface Server. Lender acknowledges that DealerTrack shall not be responsible
for any problems caused in whole or in part by failure of Lender to maintain the
Lender Interface Components in accordance with Section 4.

     (c) In the event that DealerTrack at any time makes any generally released
modifications to the programs supporting the Service on the DealerTrack
Computer, and such modifications make changes to the Interface necessary or
advisable, DealerTrack agrees to the following: (i) Dealer to give Lender at
least ninety (90) days prior written notice of the modifications, unless
otherwise required by applicable law. Failure to provide Lender with timely
notice of any modification shall constitute a material breach to this Agreement;
and (ii) Lender shall have the right to terminate this Agreement upon 30 days
written notice to DealerTrack if any generally released modification
significantly negatively impacts Lender's access to, efficiency,
responsiveness, or ability to use either the DealerTrack Computer, Interface, or
the Lender computer system.

          (i) With respect to changes to the Interface which are deemed
     necessary by DealerTrack: (i) DealerTrack shall be responsible, at its
     expense, for making such necessary changes to the DealerTrack Interface
     Components prior to releasing the modifications to such programs supporting
     the Service, and (ii) Lender shall have the right to terminate this
     Agreement upon 30 days written notice to DealerTrack if any proposed
     necessary modification to the Interfaces significantly negatively impacts
     Lender's access to, efficiency, responsiveness, or ability to use either
     the DealerTrack Computer, Interface, or the Lender computer system. Lender
     shall be responsible, at its expense, for making the necessary changes to
     the Lender Interface Components. DealerTrack shall not implement such
     modifications to the programs supporting the Service prior to end of the
     ninety (90) day notice period so as to avoid any interruption in Lender's
     use of the Service. The parties shall cooperate to ensure that such changes
     are made properly and in a timely manner. The foregoing notwithstanding,
     DealerTrack shall not be responsible for any interruption in Lender's use
     of the Service caused by Lender's failure to Implement the appropriate
     changes to the Lender Interface Components, except to assist Lender as
     reasonably appropriate in implementing such changes.

          (ii) With respect to changes to the Interface which are deemed
     advisable, but not necessary by DealerTrack, Lender shall not be required
     to implement such changes. If Lender elects to implement the changes, upon
     the request of Lender, the parties shall establish a mutually agreeable
     schedule for making such changes to their respective components of the
     Interface, with the objective of making such changes properly and in a
     manner that allows Lender to begin to utilize the additional functionality
     within a reasonable timeframe. However, DealerTrack shall not implement
     such modifications to the programs supporting the Service prior to end of
     the ninety (90) day notice period so as to avoid any interruption in
     Lender's use of the Service. The parties shall cooperate to ensure that
     such changes are made properly and in a timely manner. The foregoing
     notwithstanding, DealerTrack shall not be responsible for any interruption
     in Lender's use of the Service caused by Lender's failure to implement the
     appropriate changes to the Lender Interface Components, except to assist
     Lender as reasonably appropriate in implementing such changes. If Lender
     elects not to implement the changes, DealerTrack shall not be responsible
     for the inability of Lender to utilize additional functionality of the
     Service that would be available with such changes.

5. Responsibilities of DealerTrack Relating to On-Going Operation of the Service
In addition to DeaterTradcs obligations under Section 3 and 4 above, with
respect to the on-going operation of the Service, DealerTrack shall perform its
responsibilities as set forth in this Section 5.

     (a) The Service and the DealerTrack Site shall be hosted, operated and
maintained in accordance with the service levels set forth in Exhibit A attached
hereto and in accordance with such other performance standards mutually agreed
upon by the parties.

     (b) As part of the Service, and at all times during the term hereof,
DealerTrack shall maintain and enforce security procedures in accordance with
the security guidelines set forth in Exhibit A hereto.

     (c) DealerTrack shall provide DealerTrack Dealers with customer and
technical support in accordance with the standards set forth in Exhibit A
attached hereto.

     (d) DealerTrack will use reasonable, good faith efforts to provide
appropriate resources including technical, implementation and program management
support to establish and maintain the DealerTrack Site and the Service.
DealerTrack will provide to Lender a contact list of support, technical,
marketing and program management representatives that may be contacted by
Lender.

                                       -5-

<PAGE>

     (e)DealerTrack shall implement the necessary measurement, monitoring tools
and reporting procedures required to measure, monitor and report DealerTrack's
performance against the applicable service levels. Such measurement, monitoring
and reporting shall permit reporting at a level of detail sufficient to verify
compliance with the service levels. Upon request and during normal business
hours, Lender shall have the right, but not the obligation, to audit such tools
and procedures and DealerTrack shall provide Lender with information and access
to such tools and procedures for purposes of verification.

     (f) DealerTrack shall implement necessary procedures and systems
capabilities, to the reasonable satisfaction of Lender, to ensure that only
those DealerTrack Dealers designated by Lender from time to time are capable
of transmitting and receiving Data to and from Lender by means of the Service.

     (g) DealerTrack shall send to each DealerTrack automotive dealer, at
DealerTrack's sole cost, two (2) communications promoting the connectivity of
the Lender to DealerTrack during the first twelve (12) months following the
Effective Date of this agreement.

6. Responsibilities of Lender Relating to Use of the Service In addition to
Lender's responsibilities under Section 3 and 4 above, with respect to Lender's
use of the Service, Lender shall perform its responsibilities in accordance with
this Section 6.

     (a) Lender shall be responsible for maintaining the Lender System and shall
exercise commercially reasonable efforts to ensure that the Lender System
is operational so that the Lender System is capable of receiving Data from, and
transmitting Data to, the DealerTrack Computer. Lender shall exercise
commercially reasonable efforts to ensure that any changes to the Lender System
do not interrupt (i) the transfer of Data between the DealerTrack Computer and
the Lender Computer, or (ii) the processing of Data by the Lender Software.

     (b) Lender shall operate and manage the Lender System in such a manner as
to keep the Lender System from degrading the performance of the DealerTrack
Computer or otherwise adversely impacting the Service in a manner that is
inconsistent with proper operation of the Service. In the event of such
degradation or adverse impact, upon notification from DealerTrack, Lender shall
exerdse commercially reasonable efforts to terminate those processes causing
such degradation or adverse impact and shall implement any necessary changes to
the Lender System to prevent such degradation or adverse impact from
reoccurring. DealerTrack shall cooperate in good faith with Lender as reasonably
appropriate to assist Lender in connection with Lender's obligations under this
Section 6(b).

     (c) Lender acknowledges that access to the Service shall be restricted to
persons logging in with the proper user identification code/password. Lender
shall be responsible for limiting access to its user identification
code(s)/password(s) to authorized personnel and for all Service related charges
Incurred under its user identification code(s)/password(s), including the misuse
or unauthorized use thereof. Lender agrees to hold DealerTrack harmless from,
and indemnify it against, all claims, causes of action, losses, liabilities or
expenses (including reasonable attorneys' fees) arising in connection with any
misuse or unauthorized use of Lender's user identification code(s)/password(s),
except is such misuse or unauthorized use is solely as a result of a hacker
intrusion into either the DealerTrack Computer, the DealerTrack Site or the
DealerTrack Interface Components. Lender shall be solely responsible for any
additional security measures it wishes to take and DealerTrack shall have no
liability for any adverse impact that such measures may have on Lender's ability
to utilize and/or benefit from the functionality of the Service. Further,
DealerTrack shall not be liable for any losses or damages experienced by Lender
due to Lender's implementation of or failure to implement security measures.

     (d) Lender shall be solely responsible for developing, implementing and
maintaining any and all back-up procedures and systems, redundant systems and
disaster recovery systems relating to the Lender System and the Lender's
Interface Server. Lender acknowledges that Lender is solely responsible for the
Lender System, and that DealerTrack shall have no responsibility for any
problems caused in whole or in part by Lender's development, implementation or
maintenance of, or failure to develop, implement or maintain, back-up, redundant
or disaster recovery systems relating to the Lender System.

     (e) Lender shall cooperate with DealerTrack in accordance with
DealerTrack's standard procedures with respect to the enabling and disabling of
DealerTrack Dealers to transmit credit applications to Lender by means of the
Service.

                                       -6-

<PAGE>

     (f) Lender shall use commercially reasonable best efforts to promote the
System to automotive dealers and other automobile credit originators that the
Lender or Lender's Affiliates is engaged as an indirect lender to cause such
automotive dealers and automobile credit originators to enroll as DealerTrack
Dealers and use the System.

          (i) In furtherance but not in limitation of the foregoing, Lender
     shall send to each such automotive dealer and automobile credit originator,
     at Lender's sole cost and expense, at least two (2) communications
     (individually, a "Promotion") during the first twelve (12) months following
     the Effective Date of this Agreement.

          (ii) Any advertising, marketing, promotional material or other
     material (whether in print, electronically or otherwise) used in connection
     with a Promotion that is published by a Lender and/or contains the
     DealerTrack Marks ("Materials") must be approved in advance by DealerTrack
     in writing. Lender shall cause all Materials to be delivered or made
     available to DealerTrack for review, comment, and approval or disapproval.
     Lender shall not publish or distribute any Materials without the prior
     written approval of DealerTrack, which approval shall not be unreasonably
     withheld. If, within ten (10) business days of submitting such Materials
     for approval, DealerTrack has not notified the Lender of disapproval, such
     Materials shall be deemed approved. Lender may not amend, modify, or alter
     Materials as they appear in the version delivered for pre-approval after
     they have been approved by DealerTrack, except with the explicit written
     approval of DealerTrack.

7. Resources

     (a) At all times during the term of this Agreement, each party shall
designate one person and one alternate to serve as its primary contact and
project authority with respect to issues relating to this Agreement, and shall
disclose the identities of such persons to the other party. The project
authorities and alternates will be authorized to make all decisions and to
request and receive services from the other party with respect to this
Agreement. Either party may change the project authority and/or alternate at any
time by written notice to the other party.

     (b) At all times during the term of this Agreement, each party shall be
responsible for dedicating appropriate and sufficient resources to meet its
obligations under this Agreement.

8. Additional Services and Products DealerTrack may, from time to time, offer
additional services and products ("Additional Products") by means of the
Service, other than those identified in this Agreement. DealerTrack shall
provide Lender with reasonable notice of the Additional Products as they become
generally available to DealerTrack Financial Institutions, including the fees,
charges and other terms applicable to the use of such Additional Products.
Lender shall have the option, in its sole discretion, whether to use such
Additional Products. In the event that Lender does use such Additional Products,
Lender agrees to use such Additional Products in accordance with the applicable
terms, and shall be responsible for and shall pay to DealerTrack the additional
applicable fees and charges, if any, in accordance with the terms of this
Agreement.

9. Term and Termination

     (a) The terms of this Agreement shall begin on the Effective Date, and
shall continue for a period of two (2) years from the Acceptance Date (the
"Initial Term") unless sooner terminated as provided below. This Agreement will
terminate upon expiration of the Initial Term, unless the Parties mutually agree
in writing to renew the terms of this Agreement for successive Renewal Terms of
one (1) year, by providing such written acknowledgement no less than sixty (60)
days prior to the expiration of the Initial Term or applicable Renewal Term.

     (b) This Agreement may be terminated by a party for cause immediately by
written notice upon the occurrence of any of the following events: (i) if the
other ceases to do business, or otherwise terminates its business operations;
(ii) if the other shall fail to promptly secure or renew any material license,
registration, permit, authorization or approval for the conduct of its business
in the manner contemplated by this Agreement, or if any such license,
registration, permit, authorization or approval is revoked or suspended and not
reinstated within thirty (30) days; (iii) if the other breaches any material
provision of this Agreement and fails to fully cure such breach within thirty
(30) days of written notice describing the breach; or (iv) if the other becomes
insolvent; or seeks protection under any bankruptcy, receivership, trust deed,
creditor's arrangement composition or comparable proceeding, or if any such
proceeding is instituted against the other and not dismissed within thirty (30)
days.

     (c) This Agreement may be terminated by Lender for cause immediately by
written notice if a bank regulatory agency having authority over Lender issues
an order or directive finding the Service provided to Lender will

                                       -7-

<PAGE>

cause Lender to be subject to regulatory sanction unless such Service is
modified and DealerTrack fails to modify such Service in accordance with such
order or directive within such period of time as permitted by such regulatory
agency.

10. Payments and Payment Terms Lender agrees to pay DealerTrack when due the
fees and charges on the Schedule of Fees and Charges set forth in Exhibit B
attached hereto. Unless otherwise specified, DealerTrack shall invoice Lender
monthly for all fees and charges, payable thirty (30) days after receipt of such
invoice.

11. Licenses; Proprietary Rights

     (a) In accordance with the terms of this Agreement and for the term
thereof, DealerTrack grants Lender a non-exclusive and non-transferable license
to use the Service in the United States for its own internal business purposes
(and those of Lender Affiliates), and to permit its employees and agents (and
employees and agents of Lender Affiliates) to interact with the Service through
remote computer terminals solely for Lender's internal business purposes (and
those of Lender Affiliates). Lender shall have no right to make any changes or
modifications to the Service except as directed by DealerTrack.

     (b) In accordance with the terms of this Agreement and for the term hereof,
DealerTrack grants Lender and Lender Affiliates a non-exclusive and
non-transferable license to use the DealerTrack Marks for the sole purposes of
(i) identifying that it/they are licensed to use the Service and (ii) performing
the obligations set forth in Section 6(f).

     (c) In accordance with the terms of this Agreement and for the term hereof,
Lender grants DealerTrack and DealerTrack Affiliates a non-exclusive and
non-transferable license to use the Lender Marks.

     (d) Lender understands and agrees that DealerTrack is the exclusive owner
of and holds and shall retain, all right, title and interest in and to the
DealerTrack Intellectual Property, the DealerTrack Marks, the Service, the
Interface Requirements Document, the DealerTrack Interface Components and the
DealerTrack Computer, including any enhancements, upgrades, improvements,
changes, modifications, revisions or derivative works made to the same from time
to time (the "DealerTrack Property"), and Lender shall have no ownership or use
rights therein except as set forth in this Agreement. Lender agrees, upon
DealerTrack's request and at DealerTrack's expense, to assign to DealerTrack in
writing any proprietary interest that may be conferred upon Lender by law in any
such enhancements, upgrades, improvements, changes, revisions, modifications and
derivative works to the DealerTrack Property. The terms of this provision shall
survive termination of this Agreement whether by expiration of time, operation
of law or other wise.

     (e) DealerTrack understands and agrees that Lender is the exclusive owner
of and holds and shall retain, all right, title and interest in and to the
Lender Intellectual Property, the Lender Marks, the Lender System and the Lender
Interface Components, including any enhancements, upgrades, improvements,
changes, modifications, revisions or derivative works made to the same from time
to time (the Lender Property"), and DealerTrack shall have no ownership or use
rights therein except as set forth in this Agreement. DealerTrack agrees, upon
Lender's request and at Lender's expense, to assign to Lender in writing any
proprietary interest that may be conferred upon DealerTrack by law in any such
enhancements, upgrades, Improvements, changes, revisions, modifications and
derivative works to the Lender Property. The terms of this provision shall
survive termination of this Agreement whether by expiration of time, operation
of law or other wise.

     (f) Except as expressly permitted under this Agreement, Lender agrees that
neither it nor any Lender Affiliates will, at any time, without written
permission of DealerTrack, (i) copy, duplicate or grant permission to the
Service or any part thereof; or (ii) create, attempt to create, or grant
permission to the source program and/or object program associated with any
software component of the Service; or (iii) decompile, disassemble or reverse
engineer any software component of the Service to develop functionally similar
computer software or services, or modify, alter or delete any of the copyright
notices embedded in or affixed to the copies of any components of the Service;
or (iv) grant permission to any third party to do any of the foregoing.

     (g) If and to the extent that DealerTrack incorporates the software and/or
data of any third party in the Service, and use of such third party software
and/or data is not subject to the terms of a license agreement directly between
Lender (and any Lender Affiliate, if applicable) and the third party licensor,
the license of Lender and all Lender Affiliates to such third party software
and/or data shall be defined and limited by the license to the Service granted
by DealerTrack under this Agreement. Lender specifically acknowledges that the
licensors of such third party software and/or data shall retain all ownership
rights thereto, and Lender agrees that it shall not (i) decompile, disassemble
or reverse engineer such third party software for the purpose of revealing the
proprietary information contained therein, or

                                       -8-

<PAGE>

otherwise use such third party software to develop functionally similar computer
software; or (ii) reproduce the data therein for purposes other than those
specifically permitted under this Agreement; or (iii) modify, alter or delete
any of the copyright notices embedded in or affixed to such third party software
or data; or (iv) grant permission to any third party to do any of the foregoing.

     (h) Lender acknowledges that the right or ability of DealerTrack to license
other lenders to use the Service or DealerTrack Marks is not restricted in any
manner by this Agreement, and that it is DealerTrack's Intention to license a
number of other lenders to use the Service and DealerTrack Marks under separate
agreements. Lender also agrees that DealerTrack shall be free to transmit credit
applications from any DealerTrack Dealers, at the DealerTrack Dealers' request
to other DealerTrack Financial Institutions and non-subscribing lenders. Except
as otherwise provided herein, DealerTrack shall have no liability to Lender for
any such action.

12. Representations and Warranties by DealerTrack

     (a) DealerTrack has been duly organized and is validly existing as a
corporation under the laws of the state of its incorporation and is duly
licensed where required or is otherwise qualified in each state in which it
transacts business and is in compliance with such state's applicable laws, rules
and regulations.

     (b) DealerTrack has the requisite power, authority and legal right to
execute and deliver this Agreement, engage in the transactions contemplated by
this Agreement, and perform and observe those terms and conditions of this
Agreement to be performed or observed by it hereunder. The person signing this
Agreement has full power and authority to bind DealerTrack. The execution,
delivery and performance of this Agreement, and the performance by DealerTrack
of all transactions contemplated herein, have been duly authorized by all
necessary and appropriate corporate action on the part of DealerTrack.

     (c) This Agreement has been duly authorized and executed by DealerTrack and
is valid, binding and enforceable against DealerTrack in accordance with its
terms, except that such enforcement may be subject to bankruptcy (whether
statutory, regulatory or decisional) now or hereafter in effect relating to
creditor's rights generally, and the execution, delivery and performance by
DealerTrack of this Agreement does not conflict with any term or provision of
(i) its certificate of incorporation or by-laws; (ii) any law, rule, regulation,
order, judgment writ, injunction or decree applicable to DealerTrack of any
court regulatory body, administrative agency or governmental body having
jurisdiction over DealerTrack; or (iii) any agreement to which DealerTrack is a
party or by which its property is bound.

     (d) No consent approval, authorization or order of, registration or filing
with, or notice to any governmental authority or court is required under
applicable law in connection with the execution, delivery and performance by
DealerTrack of this Agreement.

     (e) There is no action, proceeding or investigation pending or, to the best
knowledge of DealerTrack, threatened against it before any court, administrative
agency or other tribunal (i) seeking to assert the invalidity of this Agreement;
(ii) seeking to prevent the consummation of any of the transactions contemplated
by this Agreement; or (iii) which could reasonably be expected to materially and
adversely affect its performance of its respective, obligations under, or the
validity or enforceability of, this Agreement.

     (f) It has and shall maintain all regulatory approvals, authorizations,
licenses, permits and other permissions, consents and authorities whatsoever
needed to perform its obligations under this Agreement, including, without
limitation, the Service.

     (g) In connection with carrying out its obligations contained in this
Agreement, it shall comply at all times with all applicable federal and state
laws, rules and regulations.

     (h) No material, product or other aspect of any technology, trade secret or
other Intellectual Property utilized by DealerTrack will Infringe on or violate
any patent, copyright, trade secret, trademark or other proprietary right of any
third party, or is libelous, defamatory or illegal and DealerTrack further
represents and warrants that it has all licenses, approvals, or other
authorizations required for any third party Intellectual Property content on the
DealerTrack Site, except for content provided by or through Lender. The terms of
this Section 12(h) shall survive the termination of this Agreement, whether by
expiration of time, operation of law, or otherwise.

                                       -9-

<PAGE>

     (i) It shall use commercially reasonable efforts to keep the DealerTrack
Site free from intentionally injurious instructions (e.g. systems "viruses")
that are designed to modify, damage, delete or disable the Lender System. The
terms of this Section 12(j) shall survive the termination of this Agreement,
whether by expiration of time, operation of law, or otherwise.

     (j) It shall use commercially reasonable efforts to keep the DealerTrack
Site free from code that could trigger a modification, shut down or disablement
of the Lender System. The terms of this Section 12(j) shall survive the
termination of this Agreement, whether by expiration of time, operation of law,
or otherwise.

     (k) DealerTrack shall take all reasonable precautions necessary to ensure
that the DealerTrack Site shall be safeguarded against "hacker" intrusions.

     (l) THE REPRESENTATIONS AND WARRANTIES SET FORTH IN THIS SECTION 12 ARE THE
ONLY WARRANTIES MADE BY DEALERTRACK. SUCH WARRANTIES ARE IN LIEU OF, AND
DEALERTRACK EXPRESSLY HEREBY DEISCLAIMS, ALL OTHER WARRANTIES, EXPRESSED OR
IMPLIED, REGARDING THE SERVICE OR THE DEALERTRACK MARKS INCLUDING, BUT NOT
LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A
PARTICULAR PURPOSE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING,
DEALERTRACK SPECIFICALLY DOES NOT REPRESENT OR WARRANT (i) THAT THE SERVICE WILL
PERFORM WITHOUT INTERRUPTION OR ERROR FREE, (ii) THAT IT MEETS LENDER'S
REQUIREMENTS, OR (iii) THAT ANY OR ALL OF THE DATA PROVIDED THROUGH THE SERVICE
IS ACCURATE OR COMPLETE.

13. Representation and Warranties by Lender

     (a) Lender has been duly organized and is validly existing as a corporation
under the laws of the state of its incorporation and is duly licensed where
required or is otherwise qualified in each state in which it transacts business
and is not in default of such state's applicable laws, rules and regulations.

     (b) Lender has the requisite power, authority and legal right to execute
and deliver this Agreement, engage in the transactions contemplated by this
Agreement, and perform and observe those terms and conditions of this Agreement
to be performed or observed by it hereunder. The person signing this Agreement
has full power and authority to bind Lender. The execution, delivery and
performance of this Agreement and the performance by Lender of all transactions
contemplated herein, have been duly authorized by all necessary and appropriate
corporate action on the part of Lender.

     (c) This Agreement has been duly authorized and executed by Lender and is
valid, binding and enforceable against Lender in accordance with its terms,
except that such enforcement may be subject to bankruptcy (whether statutory,
regulatory or decisional) now or hereafter in effect relating to creditor's
rights generally, and the execution, delivery and performance by Lender of this
Agreement does not conflict with any term or provision of (i) its certificate of
incorporation or by-laws; (ii) any law, rule, regulation, order, judgment, writ
injunction or decree applicable to Lender of any court, regulatory body,
administrative agency or governmental body having jurisdiction over Lender; or
(iii) any agreement to which Lender is a party or by which its property is
bound.

     (d) No consent, approval, authorization or order of, registration or filing
with, or notice to any governmental authority or court is required under
applicable law in connection with the execution, delivery and performance by
Lender of this Agreement.

     (e) There is no action, proceeding or investigation pending or, to the best
knowledge of Lender, threatened against it before any court, administrative
agency or other tribunal (i) seeking to assert the invalidity of this Agreement;
(ii) seeking to prevent the consummation of any of the transactions contemplated
by this Agreement; or (iii) which could reasonably be expected to materially and
adversely affect its performance of its respective obligations under, or the
validity or enforceability of, this Agreement.

     (f) It has and shall maintain all regulatory approvals, authorizations,
licenses, permits and other permissions, consents and authorities whatsoever
needed to perform its obligations under this Agreement.

     (g) In connection with carrying out its obligations contained herein, it
shall comply at all times with all applicable federal and state laws and
regulations, including, without limitation, the Federal Truth in Lending Act,

                                      -10-

<PAGE>

Regulation Z, Regulation M, the Federal Fair Credit Reporting Act, the Federal
Equal Credit Opportunity Act Regulation B and so-called "fair lending" laws,
rules and regulations.

     (h) No material, product or other aspect of any technology, trade secret or
other Intellectual Property utilized by Lender will infringe on or violate any
patent, copyright, trade secret, trademark or other proprietary right of any
third party, or be libelous, defamatory or illegal. The terms of this Section
13(h) shall survive the termination of this Agreement, whether by expiration of
time, operation of law, or otherwise.

     (i) It shall use commercially reasonable efforts to keep the Lender System
free from intentionally injurious instructions (e.g. systems "viruses") that are
designed to modify, damage, delete, or disable the DealerTrack Site. The terms
of this Section 13(i) shall survive the termination of this Agreement whether by
expiration of time, operation of law, or otherwise.

     (j) It shall use commercially reasonable efforts to keep the Lender System
free from code that could trigger a modification, shut down or disablement of
the DealerTrack Site. The terms of this Section 13(j) shall survive the
termination of this Agreement, whether by expiration of time, operation of law,
or otherwise.

     (k) THE REPRESENTATIONS AND WARRANTIES SET FORTH IN THIS SECTION 13 ARE THE
ONLY WARRANTIES MADE BY LENDER. SUCH WARRANTIES ARE IN LIEU OF, AND LENDER
EXPRESSLY HEREBY DISCLAIMS, ALL OTHER WARRANTIES, EXPRESSED OR IMPLIED,
REGARDING THE LENDER MARKS.

14. Infringement Claims of Third Parties

     (a) At its own expense, DealerTrack will defend Lender against any claim by
any third party alleging that the Service or use of the DealerTrack Marks in
accordance with Section 11 above infringes a patent, copyright or other third
party Intellectual Property rights in the United States, and DealerTrack will
pay all costs, damages and attorneys' fees finally awarded to any such third
party in any infringement action or negotiated by DealerTrack in settlement;
provided that Lender provides prompt written notice to DealerTrack of such claim
(if Lender has knowledge), and allows DealerTrack sole control of, and fully
cooperates with DealerTrack in, the defense of such claims and all related
negotiations at DealerTrack's expense.

     (b) If the Service and/or the DealerTrack Marks are, or in DealerTrack's
opinion are likely to become, subject to a claim of infringement, DealerTrack,
at its option and expense, shall either (i) procure for Lender and the Lender
Affiliates the right to continue using the Service and/or the DealerTrack Marks;
or (ii) modify the Service and/or the DealerTrack Marks to make it/them
non-infringing in a manner that does not materially impair its/their
functionality. If neither of the foregoing two options is reasonably available
to DealerTrack, than Lender may terminate this Agreement by notice to
DealerTrack.

     (c) DealerTrack will have no obligation with respect to any actual or
threatened infringement claim based in whole or in part upon (i) the Lender
System or the Lender Interface Components, or (ii) any enhancements, upgrades or
modifications to the Service and/or the DealerTrack Marks made by Lender, any
Lender Affiliate or any party that Lender authorizes or directs to make such
enhancements, upgrades or modifications, or (iii) Lender's (or any Lender
Affiliate's) failure to use the Service and/or the DealerTrack Marks in
accordance with this Agreement or the Documentation. Lender shall indemnify and
hold DealerTrack harmless from any damages, losses or costs associated with such
claims.

     (d) This Section 14 states DealerTrack's entire obligation to Lender with
respect to actual or threatened third party infringement claims. The terms of
this Section 14 shall survive the termination of this Agreement, whether by
expiration of time, operation of law, or otherwise.

15. Confidentiality

     (a) Confidential Information. "Confidential Information'' shall mean
nonpublic information revealed by or through a party (a "Disclosing Party") to
the other (a "Receiving Party") including (a) information expressly or
implicitly Identified as originating with or belonging to third parties,
or marked or disclosed as confidential, (b) information traditionally recognized
as proprietary trade secrets, (c) all forms and types of financial, business,
scientific, technical, economic, or engineering information including patterns,
plans, compilations, program devices, formulas, designs, prototypes, methods,
techniques, processes, procedures, programs, or codes, whether tangible or
intangible, and whether or how stored, compiled, or memorialized physically,
electronically, graphically, photographically, or in writing,

                                      -11-

<PAGE>

and (d) all copies thereof. Confidential Information shall not include
information which: (a) is publicly available through no action of Receiving
Party; (b) has been in Receiving Party's possession independent of its
relationship with Disclosing Party; (c) has been developed by or become known to
Receiving Party without access to any Confidential Information and outside the
scope of any agreement with Disclosing Party; or (d) is obtained rightfully from
third parties not known to be bound by an obligation of confidentiality.
Notwithstanding anything in this Agreement to the contrary, the Receiving Party
shall comply with all privacy and data protection laws, rules and regulations
which are or which may in the future be applicable to the Service. Without
limiting the generality of the preceding sentence, the Receiving Party agrees
that it will not use nor disclose to any other party any nonpublic personal
information which it receives from a financial institution in connection with
providing Services under this Agreement, except to perform the Service in
accordance with this Agreement. For purposes of this subsection, the terms
"nonpublic personal information" and "financial institution" shall have the
meanings set forth in Section 509 of the Gramm-Leach-Bliley Act (P.L 106-102)
(15 U.S.C. Section 6809) and implementing regulations thereof.

     (b) Treatment of Confidential Information. Receiving Party shall treat such
Confidential Information as strictly confidential with at least the same degree
of care as Receiving Party uses for its own confidential information, and, shall
not use, disclose, duplicate, copy, transmit or otherwise disseminate or permit
to be used, disclosed, duplicated, copied, transmitted or otherwise disseminated
such Confidential Information at any time prior to or after the termination of
this Agreement except as expressly permitted under this Agreement. In no event
shall Receiving Party use Confidential Information for its own benefit or that
of any third party, nor shall Receiving Party use Confidential Information to
Disclosing Party's detriment. Receiving Party shall use the Confidential
Information for the purposes authorized by this Agreement and for no other
purpose. Except in fulfillment of this Agreement, Receiving Party shall not
interpret, reverse-engineer, decompile, disassemble, debug or otherwise use any
part of any software to which it is given access by or through Disclosing Party
in connection with this Agreement, nor shall Receiving Party access or generate
corresponding higher level code, access the logic intrinsic thereto; or aid,
abide or permit another to do so. Receiving Party shall not remove any copyright
notice, trademark notice, and/or proprietary legend set forth on or contained
within any of the Confidential Information. Receiving Party shall promptly
notify Disclosing Party in writing of any unauthorized use or disclosure of any
Confidential Information.

     (c) Disclosure to Employees and other Parties. Receiving Party may disclose
Confidential Information to employees, independent contractors, subcontractors,
attorneys, accountants and investment advisors ("Personnel"), only to the extent
such Personnel have a need to know such information for the purposes described
in this Agreement and provided each such employee, independent contractor and
subcontractor shall be obligated to comply with the terms and conditions of this
Agreement and each such attorney, accountant or investment advisor shall either
be legally bound to comply with the terms and conditions of this Agreement or so
obligated in writing and such obligations continue even in the event such
Personnel leave the employ of, or no longer provide services to, Receiving
Party. Receiving Party shall be liable for the actions of its Personnel. Except
as otherwise provided herein, neither party shall disclose Confidential
Information to any third party unless (i) required by a federal or state agency
or (ii) required by law, including, but not limited to, by deposition,
interrogatory, request for documents, or similar process. In the event that
Receiving Party is required to disclose Confidential Information for reasons
enumerated in the prior sentence, Receiving Party shall give Disclosing Party
notice in a reasonable amount of time prior to Receiving Party's disclosure of
Confidential Information to allow Disclosing Party to protect its proprietary
interest therein.

     (d) Return of Confidential Information. Upon termination or expiration of
this Agreement or upon Disclosing Party's earlier request, Receiving Party shall
promptly deliver to Disclosing Party all Confidential Information, any copies or
partial copies thereof and material containing Confidential Information and
shall purge any Confidential Information from all computer and other data
storage systems, and certify to the Disclosing Party in writing that it has done
so; provided, however, that Receiving Party shall not be required to return or
destroy information which has been provided to (a) its board of directors or (b)
any governmental agency having jurisdiction over the Receiving Party.
Additionally, Receiving Party's legal department may retain one copy of the
Confidential Information and any such other material for archival purposes,
subject to the terms and conditions of this Agreement. The obligations under
this Agreement however, shall survive such occurrence.

     (e) Injunctive Relief. Each of the Parties acknowledges that any use or
disclosure of Confidential Information in violation of this Agreement may cause
irreparable injury to the Disclosing Party for which other remedies at law would
be inadequate, and each of the Parties agrees that a Disclosing Party shall have
the right to seek injunctive or other equitable relief as may be necessary or
appropriate to prevent any use or disclosure of the Confidential Information in
violation of this Agreement, and may also exercise such other rights and
remedies as the Disclosing Party may have at law or in equity.

                                      -12-

<PAGE>

     (f) Survival. The terms of this Section 15 shall survive the termination of
this Agreement, whether by expiration of time, operation of law or otherwise.

16. Privacy

     (a) Use and Disclosure of Customer Information

          (i) In accordance with Section 15 (Confidential Information)
     DealerTrack will protect and keep confidential all nonpublic personal
     information about or pertaining to Lender's customers ("Customer
     Information") disclosed by Lender in the performance of its duties under
     this Agreement. DealerTrack will collect and use Customer Information only
     in the ordinary course of business to carry out the purposes for which
     Lender disclosed the information under this Agreement.

          (ii) Unless prohibited elsewhere in this Agreement, DealerTrack may
     disclose Customer Information to its Affiliates or Affiliates of Lender for
     the sole purpose of facilitating the performance of its duties and
     obligations under this Agreement. DealerTrack may not redisclose Customer
     Information to another party, however, unless (I) DealerTrack's
     redisclosure is in the ordinary course of business to carry out the
     specific purposes for which Lender disclosed the Customer Information to
     DealerTrack under this Agreement, and such redisclosure would be lawful if
     it had been made directly by Lender; (II) such reuse or redisclosure is
     consented to by Lender; or (III) such redisclosure is compelled by law, in
     which case DealerTrack will provide prior notice of such disclosure to
     Lender.

          (iii) During the term of the Agreement, DealerTrack will not retain
     Customer Information unless DealerTrack has a specific business purpose to
     retain it, which purpose is set forth in or clearly implied by the
     Agreement.

     (b) Security DealerTrack represents and warrants that it has, and will
continue to have for so long as it retains Customer Information, adequate
administrative, technical, and physical safeguards (i) to insure the security
and confidentiality of customer records and information, (ii) to protect against
any anticipated threats or hazards to the security or integrity of such records,
and (iii) to protect against unauthorized access to or use of such records or
information which could result in substantial harm or inconvenience to any
customer. DealerTrack will immediately notify Lender when DealerTrack discovers
there has been a material breach in its security safeguards required by this
paragraph, or if the security of Customer Information has been or may be
compromised for any reason, and Lender may take all reasonable and appropriate
steps to protect Customer Information in such event.

     (c) Monitoring; Compliance DealerTrack will at all times during the term of
the Agreement and for at least two years after termination thereof, keep proper
books and records of account, and will maintain records and information
sufficient to show its compliance with the terms of this Section. DealerTrack
will provide Lender with any third party audit reports made generally available
to other DealerTrack Lenders.

     (d) Materiality Breach of this section is a material breach of this
Agreement.

                                      -13-

<PAGE>

16. Indemnification

     (a) Each party shall indemnify and hold harmless the other, and its parent,
affiliates, subsidiaries, directors, officers, employees and agents, from and
against any and all claims, demands, actions, suits, losses, liabilities,
damages, injuries, fines, penalties, costs and expenses including, without
limitation, reasonable attorneys' fees and court costs arising out of:

          (i) a material breach of any provision of this Agreement by the
     indemnifying party, its affiliates, or any of their respective officers,
     directors, employees or agents; or

          (ii) gross negligence, or willful or wanton behavior of the
     indemnifying party, its affiliates, or any of their respective officers,
     directors, employees, or agents.

     (b) The terms of this Section 16 shall survive the termination of this
Agreement, whether by expiration of time, operation of law, or otherwise.

17. Limitation Of Liability

     (a) Notwithstanding the provisions of Section 16, in no event shall either
party be liable to the other for any indirect, incidental, special, exemplary or
consequential damages, arising out of this Agreement, including but not limited
to lost profits, business interruption, loss of business information, or cover,
even if such party has been advised of the possibility of such damages;
provided, however, that this limitation shall not apply to: (a) a breach of
Sections 12(h), 13(h), 14 or 15; or (b) a third party claim in which a court has
imposed indirect, special, or consequential damages against the indemnified
party. The terms of this Section 17 shall survive the termination of this
Agreement, whether by expiration of time, operation of law, or otherwise.

     (b) In the event of the loss of or damage to any Data on the DealerTrack
Computer or in data transfers between the Lender Computer, any DealerTrack
Dealers' terminals/computers, and the DealerTrack Computer, due to a cause for
which DealerTrack is responsible, DealerTrack shall allow Lender and the
DealerTrack Dealers to re-enter the lost or damaged Data on the DealerTrack
Computer without any additional fees accruing to DealerTrack which shall
constitute Lender's sole remedy in connection with such loss and/or damage.

     (c) DealerTrack shall have no duty to verify the content or accuracy of, or
in any manner to analyze, Data. As such, DealerTrack is not acting as a credit
bureau reporting agency in and of itself, and Lender is to refer to the specific
credit bureau(s) when making reference to any credit reports. Lender will have
full responsibility for any decisions and/or analyses in which the Service or
any Data may be used or relied upon. Any reliance by Lender upon any Data or the
Service shall not diminish that responsibility, and Lender agrees to hold
DealerTrack harmless from, and indemnify it against, all claims, expenses,
losses or liabilities (including reasonable attorneys' fees) in connection with
any claim by any third party relating to any decisions or analyses made by
Lender while using any Data or the Service.

18. Taxes DealerTrack shall be responsible for the payment of all Taxes levied
or imposed on or with respect to sales of goods or services by DealerTrack in
connection with the Service or the DealerTrack Site.

19. Insurance DealerTrack, within five (5) business days after the execution of
this Agreement, shall procure and maintain, at its own expense, the required
insurance of the kinds and limits enumerated hereunder, with companies
acceptable to Lender. Lender shall be named as an additional insured under
DealerTrack's Commercial General Liability insurance policy. DealerTrack may
carry, at its own expense, such additional insurance as it may deem necessary.
DealerTrack shall not be deemed to be relieved of any responsibility by the fact
that it carries insurance. The required insurance and limits are as follows:

     (a) Errors & Omissions Liability Insurance covering the design,
development, maintenance, operation of the Services, and anything incidental
thereto, for a limit of not less than ten million dollars ($10,000,000);

     (b) Intellectual Property Insurance covering infringement of patents,
trademarks, trade secrets, and copyright infringement as respects the design and
development of the systems used to operate and maintain the Service for a limit
of not less than one million dollars ($1,000,000);

                                      -14-

<PAGE>

     (c) Commercial Blanket Bond covering each employee while engaged in the
work hereunder with a limit of not less than one million dollars ($1,000,000)
and including coverage, without limitation, for property of others in possession
of said employee while performing their duties for Lender;

     (d) If DealerTrack has any employees, Workers' Compensation and Employer's
Liability Insurance in accordance with the applicable laws of the State of New
York or the state in which the work is to be performed or of the state in which
DealerTrack is obligated to pay compensation to employees engaged in the
performance of the work. The policy limit under the Employer's Liability
Insurance section shall not be less than one million dollars ($1,000,000) for
any one accident;

     (e) Commercial General Liability Insurance covering the work, the
performance of the Service and everything incidental thereto, with limits of not
less than two million dollars ($2,000,000) per occurrence combined single limit,
and extended to cover: (i) Contractual Liability assumed by DealerTrack under
the indemnification set forth in Section 16, (ii) if any of the work is
subcontracted, Independent Contractors Liability providing coverage in
connection with such portion of the work which may be subcontracted, (iii) Broad
Form Property Damage Liability, and (iv) Personal Injury and Advertising
Liability;

     (f) Automobile Liability including coverage on owned, hired, and non-owned
automobiles and other vehicles, if used in connection with the performance of
the work, with Bodily Injury and Property Damage limits of not less than two
million dollars ($2,000,000) per occurrence combined single limit;

     (g) Building and/or Personal Property Insurance including coverage for the
cost to research, replace, or restore lost information of damaged valuable
papers and records including those that exist on electronic or magnetic media,
against all risks of physical loss or damage including theft, on a replacement
cost basis;

     (h) Business Interruption and Extra Expense Insurance against all risks of
physical loss or damage including off-premises power failure and consequential
losses resulting from the disruption of a supplier or subcontractors operations;
and

     (i) such other insurance as may be required from time to time by notice to
DealerTrack.

     DealerTrack shall have its insurance carrier or carriers issue Certificates
of Insurance to Lender evidencing that all insurance required is in force, and
such certificates shall stipulate that the insurance shall not be canceled or
substantially changed without thirty (30) days prior notice in accordance with
the notice provisions set forth in herein. Should DealerTrack at any time
neglect or refuse to provide the required insurance, or should such insurance be
canceled, Lender shall have the right to procure such insurance and the cost
thereof shall be deducted from monies then due or thereafter to become due
DealerTrack. DealerTrack's insurance shall be primary and all insurance carried
by Lender is strictly excess and shall not contribute with DealerTrack's
insurance.

20. Marks Except as provided herein, DealerTrack will not use the Lender Marks
and Lender will not use the DealerTrack Marks without the other party's prior
written consent. The parties acknowledge and agree that DealerTrack is the owner
of any and all DealerTrack Marks and Lender is the owner of any and all Lender
Marks. The parties acknowledge and agree that they shall not acquire any
ownership rights whatsoever in any Marks of the other party. The terms of this
Section 20 shall survive the termination of this Agreement, whether by
expiration of time, operation of law, or otherwise.

21. Miscellaneous

     (a) Entire Agreement This Agreement sets forth the entire agreement
between the parties with respect to the subject matter hereof, and no party
shall be bound by any conditions, definitions, warranties, understandings or
representations with respect to such subject matter other than as expressly
provided herein, or in any prior existing written agreement between the parties.
This Agreement supersedes all prior oral or written representations, agreements,
promises, or other communications, concerning or relating to the subject matter
of this Agreement.

     (b) Modifications and Amendments; Waiver. Except as otherwise expressly
provided in this Agreement, this Agreement may not be amended or modified except
by a written agreement signed by authorized representatives of each party. The
failure of DealerTrack or Lender in any one or more instances to insist upon
strict performance of any of the

                                      -15-

<PAGE>

terms or provisions of this Agreement will not be construed as a waiver or
relinquishment, to any extent, of the right to assert or rely upon any such
terms or provisions on any future occasion.

     (c) Headings. The captions to sections of this Agreement are for
convenience of reference only and do not in any way limit or amplify the terms
or conditions hereof.

     (d) Severability. If any provision of this Agreement is held by a court of
competent jurisdiction to be invalid or unenforceable, such provision or
requirement will be enforced only to the extent it is not in violation of such
law or is not otherwise unenforceable and all other provisions and requirements
of this Agreement will remain in full force and effect.

     (e) Notices. Where notice, approval or similar action by either party is
permitted or required by any provision of this Agreement, such action shall not
be unreasonably delayed or withheld. Any notice, demand or other communication
required or permitted under the terms of this Agreement shall be in writing and
shall be made by Federal Express, Airborne Express, or other similar overnight
delivery service, telegram, telex, facsimile or electronic transmitter or
certified or registered mail, return receipt requested. A notice shall be deemed
to be received by the addressee: one (1) business day after sending, if sent by
overnight delivery service, telegram, telex, facsimile or electronic
transmitter; and three (3) business days after mailing, if sent by certified or
registered mail. Notices shall be addressed as follows:

     In the case of notices to Lender:

     Capital One Auto Finance
     3901 Dallas Parkway
     Plano TX 75093
     Attn: Dan Brown

     In the case of notices to DealerTrack:

     DealerTrack.com, Inc.
     105 Maxess Road, Suite 109N
     Melville NY 11747
     Attn: Richard McLeer

     Any party to this Agreement may from time to time change its address for
notification purposes by giving the other prior written notice of the new
address and the date upon which it will become effective.

     (f) Successors and Assigns This Agreement may not be assigned by either
party without the prior written consent of the other party, and any attempted
unauthorized assignment will be void; provided, however, that a party may assign
this Agreement to any of its Affiliates upon prompt written notice to the other
party. Notwithstanding the foregoing, either party may assign any of its rights
and obligations under this Agreement to the surviving corporation with or into
which that party may merge or consolidate, or an entity to which that party
transfers all, or substantially all, of its voting securities or assets;
provided, however, that upon notice of such event the other party shall have the
right to terminate this Agreement without cause on thirty (30) days prior
written notice to the other patty.

     (g) Relationship of Parties; Third Party Beneficiaries Nothing in this
Agreement shall constitute or be deemed to constitute a relationship of employer
and employee, agency, joint venture or partnership between the parties hereto or
constitute or be deemed to constitute one party as agent of the other, for any
purpose whatsoever, and except as expressly provided herein, neither party shall
have the authority or power to bind the other, or to contract in the name of or
create a liability against the other, in any way or for any purpose. DealerTrack
will perform all services under this Agreement as an Independent contractor. No
person or entity not a party to this Agreement, including but not limited to
DealerTrack Dealers, will be deemed to be a third party beneficiary of this
Agreement or any provision hereof.

     (h) Governing Law; Jurisdiction This Agreement is governed by the laws of
the State of Delaware, exclusive of its choice of law rules. Any lawsuit with
respect to the subject matter of this Agreement may be filed only in the state
court located within the City of Wilmington, Delaware, or the federal courts
located in the United States District of Delaware and the Parties submit to
venue and personal jurisdiction in those courts.

                                      -16-

<PAGE>

     (i) Background and Exhibits The exhibits identified below, as they may be
modified in accordance with the terms of this Agreement, are incorporated by
reference herein and shall constitute substantive parts of this Agreement

     (j) Nondisclosure of Terms Each party agrees for itself, its agents, and
representatives that the terms of this Agreement are confidential, and neither
party shall disclose any of the terms hereof to any third party (except for
disclosure reasonably made to legal representatives and accountants) without the
prior written consent of the other party or as may be required by either party
to comply with applicable U.S. laws or regulations.

     (k) Counterparts This Agreement may be executed in one or more
counterparts, each of which shall, for all purposes be deemed to be an original
and all of which shall constitute the same instrument.

     (l) Force Majeure To the extent that either party's performance of any of
its obligations pursuant to this, Agreement is prevented, hindered or delayed,
directly or indirectly, by a Force Majeure Event, and such non-performance could
not have been prevented by reasonable precautions, then the nor-performing party
shall be excused from any further performance of those obligations. The
non-performing party shall only be excused for so long as such Force Majeure
Event continues and such party continues to use its best efforts (or cause its
subcontractor to use best efforts) to recommence performance whenever and to
whatever extent possible without delay, including through the use of alternate
sources, work around plans or other means. The party whose performance is
prevented, hindered or delayed by a Force Majeure Event shall immediately notify
the other party by telephone of the occurrence of the Force Majeure Event and
describe the Force Majeure Event in reasonable detail (to be confirmed in
writing within two days of the inception of such delay). If any Force Majeure
Event prevents or restricts DealerTrack's performance of the Service and
DealerTrack does not within three (3) consecutive days recommence provision of
the Service, Lender may, upon notice to DealerTrack, terminate this Agreement.
The occurrence of a Force Majeure Event does not limit or otherwise affect
DealerTrack's obligation to provide either normal recovery procedures or any
other disaster recovery services required pursuant to Lender
Information/Technology Control Policies set forth in this Agreement

     (m) Interpretation of Documents In the event of a conflict between this
Agreement and the terms of any Exhibit, the terms of this Agreement shall
prevail.

     IN WITNESS WHEREOF, the parties to this Agreement have signed and affixed
their seals to this Agreement effective as of the day and year first written
above.

DEALERTRACK.COM, INC.                   CAPITAL ONE AUTO FINANCE

By: /s/ Gary Perdue                     By: /s/ Dan Friedman
    ---------------------------------       ------------------------------------
Name: Gary Perdue                       Name: Dan Friedman
Title: Vice President                   Title: Vice President

                                      -17-

<PAGE>

                    AMENDMENT TO DEALERTRACK LENDER AGREEMENT

          This AMENDMENT TO DEALERTRACK LENDER AGREEMENT (this "Amendment") is
made and entered into as of December 28, 2001 (the "Effective Date"), by and
between DealerTrack.com, Inc. ("DealerTrack") and Capital One Auto Finance, Inc.
("Lender").

          WHEREAS, DealerTrack and Lender are parties to a DealerTrack Lender
Agreement, dated as of September 26, 2001 (the "Lender Agreement"); and

          WHEREAS, DealerTrack and Lender desire to (i) amend Exhibit B
(Schedule of Fees and Charges) of the Lender Agreement to provide Lender with
most favorable treatment of certain fees and charges under certain
circumstances, (ii) provide Lender with certain other rights as set forth in
Section 3 hereto, (iii) amend Section 9(a) (Term and Termination) to restrict
DealerTrack's right to terminate the Agreement and (iv) amend Section 19(a)
(Insurance) to provide for a lower insured limit for Errors & Omissions
liability insurance, effective as of the date hereof, on the terms and
conditions set forth herein.

          NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereby agree as
follows:

          1. Definitions. Capitalized terms used herein and not otherwise
defined shall have the meanings set forth in the Lender Agreement.

          2. Amendment of Exhibit B. The following new paragraph is hereby added
at the end of Exhibit B of the Lender Agreement:

          "DealerTrack shall not charge Lender any fee and/or charge for any
products or services provided to Lender under the terms of the Agreement or in
any other agreement entered into by and between the parties with respect to the
provision of products and services by DealerTrack that are higher than the
lowest fee and/or charge that DealerTrack charges any other DealerTrack
Financial Institution for such products or services, except for any discount on
a fee or charge offered to a new DealerTrack Financial Institution for a period
not to exceed six (6) months after the Acceptance Date of such DealerTrack
Financial Institution. In the event that such fee and/or charge is based on a
sliding scale tied to a specified volume amount of a specific type of
transaction processed through the Service, Lender's fee and/or charge shall be
no higher than the lowest fee or charge applicable to any DealerTrack Financial
Institution for Lender's actual volume amount for such specific type of
transaction."

          3. Product Placement, Preferences and Audit Information.

          (A) The following section is hereby added after Section 21(m) of the
Lender Agreement:

          "22. Product Placement. Preferences and Audit Rights. For no
additional consideration and unless otherwise approved by the Board of Directors
of either DealerTrack or its parent company, DealerTrack Holdings, Inc. (the
"Parent Company"):

                                       -1-

<PAGE>

          (a) Product Placement.

               (i) If DealerTrack elects, in its sole discretion, and provided
     DealerTrack has received the written permission of Lender, to place on the
     DealerTrack Site the name, mark, logo, advertisement, description of
     products and services, promotional and informational content ("Product
     Information") of Lender, DealerTrack shall place such Product Information
     (x) Prominently (as defined below) and (y) not less Prominently than it
     places substantially similar Product Information of any DealerTrack
     Financial Institution, or its Affiliate, which is a stockholder of the
     Parent Company (a "Stockholder Lender"); and

               (ii) Notwithstanding anything to the contrary contained in
     Section 22(a)(i), DealerTrack shall place on the DealerTrack Site the
     Product Information of each Stockholder Lender not less Prominently than
     the Product Information it places substantially similar Product Information
     of any other third party (excluding DealerTrack, its subsidiaries, the
     Parent Company and any other majority-owned subsidiaries of the Parent
     Company).

               (iii) For the purpose hereof, "Prominently" means in a readily
     noticeable and conspicuous manner.

               (iv) The refusal of Lender to grant permission to DealerTrack to
     place Product Information of Lender on the DealerTrack Site after receiving
     a written request from DealerTrack for such permission shall not result in
     a breach by either DealerTrack or Lender of Section 22(a)(i) or 22(a)(ii).

               (v) Nothing contained in this Section 22(a) shall be construed to
     prevent Captives (as defined below), which may or may not be Stockholder
     Lenders, from being granted special treatment by DealerTrack with respect
     to placement of Product Information, if requested by an automobile
     manufacturer or automobile distributor in connection with the sale of its
     automobiles by and at the location of its franchised DealerTrack Dealers.
     For purposes of this Agreement, "Captives" means a finance company either
     owned or designated by an automobile manufacturer or automobile distributor
     to whom such automobile manufacturer or automobile distributor provides
     subvention dollars in order for such finance company to provided subvention
     financing to such automobile manufacturer's or automobile distributor's
     franchised DealerTrack Dealers solely for such automobile manufacturer's or
     automobile distributor's vehicles.

          (b) No Preference in Credit Application Transmission. DealerTrack
shall not, subject to the right of each DealerTrack Dealer, together with its
Affiliates, or DealerTrack Financial Institution to create and or use one or
more credit application filtering processes in connection with the Service
(which shall only affect credit applications associated with such DealerTrack
Dealer and its Affiliates or such DealerTrack Financial Institution), prefer any
Stockholder Lender as to another Stockholder Lender or any other DealerTrack
Financial Institution with respect to the transmission of any credit
applications by a DealerTrack Dealer in electronic form by means of the Service
to a DealerTrack Financial Institution. Nothing

                                       -2-

<PAGE>

contained in this Section 22(b) shall be construed to prevent Captives, which
may or may not be Stockholder Lenders, from being granted special treatment by
DealerTrack with respect to credit applications originated at their affiliated
DealerTrack Dealers, if requested by an automobile manufacturer or automobile
distributor in connection with the sale of its automobiles by and at the
location of its franchised DealerTrack Dealers.

          (c) Audit Information. Lender shall be entitled to designate, subject
to the approval of DealerTrack which shall not be unreasonably withheld, an
independent auditor of national standing to audit DealerTrack's records relating
to DealerTrack's compliance with the most favored pricing treatment provisions
of Exhibit B hereto with respect to the fees or charges which were charged to
Lender thereunder no more often than once per calendar year. The sole purpose of
such audit shall be to enable such auditor to report to Lender as to whether
DealerTrack has complied with its obligations under Exhibit B of this Agreement.
Such audit shall not unreasonably interfere with the conduct of DealerTrack's
business, and the independent auditor conducting such audit, prior to the
conduct of such audit, shall agree in writing with DealerTrack to keep
confidential all materials and information (including, without limitation, all
agreements with DealerTrack Dealers and DealerTrack Financial Institutions,
including, without limitation, the other Stockholder Lenders, and the terms
thereof) supplied to them by DealerTrack in connection with such audit. Such
audit shall be at Lender's expense; provided that if such audit demonstrates any
overpayment of the amount due under this Agreement for the period audited of
three percent (3%) or more, then the expense of such audit shall be borne by
DealerTrack. To the extent that the audit reveals a violation of Exhibit B with
respect to the calculation of fees and charges resulting in payments by Lender
greater than those of other DealerTrack Financial Institutions, DealerTrack
shall reimburse Lender for such overpayment within twenty (20) days of receipt
of written notice by Lender of such overpayment."

          (B) Section 16(a) of the Lender Agreement is hereby amended by
deleting 16(a)(ii) in its entirety and replacing such subsection with the
following:

          "(ii) gross negligence, or willful or wanton behavior of the
indemnifying party, its affiliates, or any of their respective officers,
directors, employees, or agents; or

          (iii) or asserted by a third party against the indemnifying party with
respect to the use of any approved Product Information (including, without
limitation, Lender Marks) provided by such party."

          4. Amendment of Section 9(a). Section 9(a)of the Lender Agreement is
hereby amended by deleting Section 9(a) in its entirety and replacing such
subsection with the following:

          "The term of this Agreement shall begin on the Effective Date, and
shall continue for a period of two (2) years from the Acceptance Date (the
"Initial Term") unless sooner terminated as provided below. Upon expiration of
the Initial Term, unless terminated by either party by notice of termination
given not less than ninety (90) days prior to expiration of the Initial Term,
this Agreement shall automatically renew for successive one (1) year terms
(each, a "Renewal Term"). During any Renewal Term, notice of termination by
either party shall be effective at the end of such Renewal Term if given not
less than one hundred and sixty (60) days

                                       -3-

<PAGE>

prior to the expiration of such Renewal Term. Notwithstanding anything contained
in this Section 9(a) to the contrary, DealerTrack shall not have any right
whatsoever to terminate this Agreement upon the expiration of the Initial Term
or any such Renewal Term, as the case may be, except for cause as set forth in
Section 9(b) below, for so long as the Lender, together with its Affiliates (as
such term is defined in the Amended and Restated Stockholders' Agreement of the
Parent Company, dated as of the date hereof, among the Parent Company and the
stockholders listed therein (the "Stockholders' Agreement")), holds either (i)
equity securities of the Parent Company representing at least five (5%) percent
of the voting power thereof (determined on a Fully Diluted Basis (as defined in
the Stockholders' Agreement)), (ii) seventy-five (75%) percent of the capital
stock of the Parent Company held by it as of the Effective Date (as adjusted for
stock splits, stock dividends and the like) or (iii) capital stock whose fair
market value not less than $6,000,000 based on the last offering of securities
by the Parent Company. Notwithstanding anything contained in this Section 9(a)
to the contrary, prior to any renewal of the Agreement hereunder, the parties
agree to negotiate in good faith any amendments to the then current terms and
conditions of the Agreement (other than the most favored pricing provisions set
forth in Exhibit B) that make the then current terms and conditions of the
Agreement impractical in light of changes to DealerTrack's business and provided
further, that DealerTrack is attempting to treat Lender in a substantially
similar manner as other DealerTrack Financial Institutions."

          5. Amendment of Section 19(a). Section 19(a) of the Lender Agreement
is hereby amended by deleting Section 19(a) in its entirety and replacing such
subsection with the following:

          "Errors & Omissions Liability covering the design, development,
maintenance, operation of the Services, and anything incidental thereto, for a
limit of not less than one million dollars ($1,000,000);"

          6. Authority. Each party represents that it has the authority to enter
into this Amendment and its authority is not inhibited by any agreement or legal
proceeding.

          7. Counterparts. This Amendment may be executed in any number of
counterparts and by the different parties hereto on separate counterparts by
facsimile or otherwise, each of which when so executed and delivered shall be an
original, but all of which shall together constitute one and the same
instrument.

          8. Governing Law. This Amendment shall be governed by and construed
and enforced in accordance with the internal laws of the State of New York
applicable to contracts made or performed in such State.

                  [Remainder of page intentionally left blank]

                                       -4-

<PAGE>

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to
be duly executed and delivered by its authorized officer as of the date first
above written.

                                        DEALERTRACK.COM, INC.

                                        By: /s/ Mark F.O'Neil
                                            ------------------------------------
                                        Name: Mark F. O'Neil
                                        Title: Chief Executive Officer

                                        CAPITAL ONE AUTO FINANCE, INC.

                                        By: /s/ Larry Klane
                                            ------------------------------------
                                        Name: Larry Klane
                                        Title: Executive Vice President,
                                               Corporate Development

                                      S-1

<PAGE>

                SECOND AMENDMENT TO DEALERTRACK LENDER AGREEMENT

          This SECOND AMENDMENT TO DEALERTRACK LENDER AGREEMENT (this
"Amendment") is made and entered into as of October 24, 2002, by and between
DealerTrack, Inc., f/n/a DealerTrack.com, Inc. ("DealerTrack") and Capital One
Auto Finance, Inc. ("Lender").

          WHEREAS, DealerTrack and Lender are parties to a DealerTrack Lender
Agreement, dated as of September 26, 2001, as amended by that certain Amendment
to DealerTrack Lender Agreement, dated as of December 28, 2001 (the "Lender
Agreement"); and

          WHEREAS, DealerTrack and Lender desire to amend the last paragraph of
Exhibit B (Schedule of Fees and Charges) with respect to the most favorable
treatment of certain fees and charges under certain circumstances, effective as
of the date hereof, on the terms and conditions set forth herein.

          NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereby agree as
follows:

          1. Definitions. Capitalized terms used herein and not otherwise
defined shall have the meanings set forth in the Lender Agreement.

          2. Amendment of Exhibit B. Exhibit B of the Lender Agreement is hereby
amended by deleting the last paragraph of Exhibit B in its entirety and
replacing such paragraph with the following:

          "DealerTrack shall not charge Lender any fee and/or charge for any
products or services provided to Lender under the terms of the Agreement or in
any other agreement entered into by and between the parties with respect to the
provision of products and services by DealerTrack that are higher than the
lowest fee and/or charge that DealerTrack charges any other DealerTrack
Financial Institution for such products or services, except for any discount on
a fee or charge offered to (i) Captives, whether or not such Captives are
Stockholder Lenders, upon the prior approval of at least seventy-five percent
(75%) of the board of directors of DealerTrack and (ii) a new DealerTrack
Financial Institution (including any Captives) for a period not to exceed six
(6) months after the "Acceptance Date" of such DealerTrack Financial
Institution. In the event that such fee and/or charge is based on a sliding
scale tied to a specified volume amount of a specific type of transaction
processed through the Service, Lender's fee and/or charge shall be no higher
than the lowest fee or charge applicable to any DealerTrack Financial
Institution (other than any Captives whose fees and charges have been approved
by the board of directors of DealerTrack as provided for in clause (i) of the
preceding sentence) for Lender's actual volume amount for such specific type of
transaction."

          3. Authority. Each party represents that it has the authority to enter
into this Amendment and its authority is not inhibited by any agreement or legal
proceeding.

          4. Counterparts. This Amendment may be executed in any number of
counterparts and by the different parties hereto on separate counterparts by
facsimile or otherwise, each of which when so executed and delivered shall be an
original, but all of which

                                       -1-

<PAGE>

shall together constitute one and the same instrument.

                  [Remainder of page intentionally left blank]

                                       -2-

<PAGE>

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to
be duly executed and delivered by its authorized officer as of the date first
above written.

                                        DEALERTRACK, INC.

                                        By:
                                            ------------------------------------
                                        Name: Mark F. O'Neil
                                        Title: Chief Executive Officer
                                               & President

                                        CAPITAL ONE AUTO FINANCE, INC.

                                        By:
                                            ------------------------------------
                                        Name:
                                              ----------------------------------
                                        Title:
                                               ---------------------------------

                                       S-1

<PAGE>

                 THIRD AMENDMENT TO DEALERTRACK LENDER AGREEMENT

          This THIRD AMENDMENT TO DEALERTRACK LENDER AGREEMENT (this
"AMENDMENT") is made and entered into, as of June 25, 2004, by and between
DealerTrack, Inc., f/k/a DealerTrack.com, Inc. ("DEALERTRACK") and Capital One
Auto Finance, Inc. ("LENDER").

          WHEREAS, DealerTrack and Lender are parties to a certain DealerTrack
Lender Agreement, effective as of September 26,2001, as amended by that certain
Amendment to DealerTrack Lender Agreement, dated as of December 28,2001 and that
certain Second Amendment to DealerTrack Lender Agreement, dated as of October
24, 2002 (the "Agreement"); and

          WHEREAS, DealerTrack and Lender desire to revise the termination
provisions included in the Agreement as of the date hereof.

          NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereby agree as
follows:

1. Definitions. All capitalized terms used herein shall have the same meanings
set forth in the Agreement, unless otherwise defined in this Amendment.

2. Amendment of Section 9(a) of the Agreement. Section 9(a)of the Agreement is
hereby amended as follows:

          (a)  by deleting the words "one hundred and" contained in the third
               sentence thereof; and

          (b)  by inserting the following sentence after the third sentence
               thereof:

               "Notwithstanding anything contained in this Section 9(a) to the
          contrary, neither party may terminate this Agreement pursuant to this
          Section 9(a) unless, in accordance with the terms of each Addendum
          hereto, such party also terminates each Addendum then in effect."

3. Amendment of Section 12(1) of the Agreement. Section 12(1) of the Agreement
is hereby amended by deleting the following text in the second sentence thereof:
"REGARDING THE SERVICE OR THE DEALERTRACK MARKS."

4. Amendment of Section 13(k) of the Agreement. Section 13(k) of the Agreement
is hereby amended by deleting the following text in the second sentence thereof:
"REGARDING THE LENDER MARKS."

5. Amendment of Section 15(a) of the Agreement. Section 15(a) of the Agreement
is hereby amended by inserting the following sentence before the last sentence
thereof:

                                        1

<PAGE>

          "Notwithstanding anything to the contrary contained herein, to the
     extent permitted by applicable law, DealerTrack may use and disclose any
     Confidential Information (including, without limitation, Customer
     Information) in the aggregate with other DealerTrack Financial
     Institutions' similar information; provided, however, that any such use or
     disclosure shall not contain any information identifying Lender or any
     consumer or that is reasonably traceable to Lender or any consumer."

6. Amendment of Section 15(d) of the Agreement. Section 15(d) of the Agreement
is hereby deleted in its entirety and replaced with the following:

     "(d) Return of Confidential Information. Upon termination or expiration of
     this Agreement, or upon Disclosing Party's earlier request, Receiving Party
     shall promptly destroy all of Disclosing Party's Confidential Information,
     any copies or partial copies thereof and material containing Disclosing
     Party's Confidential Information (except for Disclosing Party's
     Confidential Information that is transmitted by or through the Service
     which remains subject to the terms and conditions of this Agreement) and
     certify to the Disclosing Party in writing that it has done so; provided,
     however, that Receiving Party shall not be required to return or destroy
     Confidential Information which has been provided to any governmental agency
     having jurisdiction over the Receiving Party. Additionally, Receiving
     Party's legal department may retain one copy of the Confidential
     Information and any such other material for archival purposes, subject to
     the terms and conditions of this Agreement. DealerTrack may also retain
     Confidential Information for use in the aggregate as set forth in Section
     15(a) above. The obligations under this Agreement with respect to
     Confidential Information shall survive any termination or expiration of
     this Agreement."

7. Amendment of Section 16(a) of the Agreement. Section 16(a) of the Agreement
is hereby amended by deleting clause (iii) thereof in its entirety and replacing
it with the following:

     "(iii) Notwithstanding anything to the contrary contained herein, to the
extent permitted by applicable law, DealerTrack may use and disclose any
Customer Information in the aggregate with other DealerTrack Financial
Institutions' similar information; provided, however, that any such use shall
not contain any information identifying Lender or any consumer or that is
reasonably traceable to Lender or any consumer."

8. Amendment of Section 17(a) of the Agreement. Section 17(a) of the Agreement
is hereby amended by deleting the text "Notwithstanding the provisions of
Section 16" in the first sentence thereof and replacing it with the following
text: "Notwithstanding the indemnification obligations set forth in Section 16"

9. Amendment of Section 21(h) of the Agreement. Section 21(h) of the Agreement
is hereby amended by deleting the text "the laws of the State of Delaware" in
the first sentence and replacing it with: "the laws of the State of New York"
and by deleting the

                                        2

<PAGE>

second sentence thereof in its entirety and replacing it with the following
text: "Any lawsuit with respect to this Agreement may be filed in the state or
Federal courts in either Wilmington, Delaware or Suffolk County, New York and
the Parties submit to venue and personal jurisdiction of those courts."

10. Addition of New Section 23 to the Agreement. The Agreement is hereby amended
by adding a new Section 23 as follows:

          23. Information Protection Program

          (a)  Generally

               (i)  DealerTrack agrees to develop, implement and maintain
                    policies, standards and procedures, at DealerTrack's own
                    expense that DealerTrack reasonably believes to be
                    sufficient to meet the levels of security set by legislation
                    and regulations applicable to the Service, in order to
                    maintain the confidentiality, security and integrity of
                    Lender's Confidential Information and computing environment.
                    DealerTrack further agrees to develop, implement and
                    maintain, at DealerTrack's own expense, a system or
                    methodology to audit for compliance with the above policies,
                    standards and procedures.

               (ii) Lender and its auditors (internal and external) shall have
                    the right to conduct at Lender's expense upon reasonable
                    notice, and, unless material deficiencies are found, no more
                    often than twice per calendar year an audit of the Service
                    and operations of the DealerTrack Site, including, but not
                    limited to, DealerTrack's Information Technology
                    infrastructure security, during normal business hours of
                    DealerTrack, during the term of this Agreement. DealerTrack
                    shall cooperate in good faith with any such audit; provided,
                    however, that Lender and its designees shall have no right
                    to access, examine or review any confidential information or
                    Data of any third party. The sole purposes of such audit
                    shall be to enable Lender (i) to determine whether
                    DealerTrack has complied with its obligations under this
                    Section 23; or (ii) to meet required regulatory
                    requirements. Such audit shall not unreasonably interfere
                    with the conduct of DealerTrack's business, and the
                    personnel or external auditors conducting such audit, prior
                    to the conduct of such audit, shall (a) agree in writing
                    with DealerTrack to treat as Confidential Information of
                    DealerTrack all materials and information supplied to them
                    by DealerTrack in connection with such audit, other than

                                        3

<PAGE>

                    any Confidential Information of Lender and (b) comply with
                    all of DealerTrack's reasonable security requirements.

          (b)  DealerTrack's Computing Environment.

               (i)  DealerTrack shall use commercially reasonable efforts to
                    develop, implement and maintain procedures, appropriate to
                    the type of business being conducted by DealerTrack, with
                    respect to physical security for information security,
                    including, but not limited to: (i) physical perimeter and
                    access security; (ii) Fire detection and suppression system
                    protecting computing equipment; (iii) backup power supply
                    for critical computing equipment that supports Lender
                    information processing; and (iv) Filtered surge-resistant
                    power supply to all workstations processing Lender
                    information.

               (ii) DealerTrack shall use commercially reasonable efforts to
                    develop, implement and maintain procedures, appropriate to
                    the type of business being conducted by DealerTrack, with
                    respect to physical security for systems and network
                    security for information security, including, but not
                    limited to: (i) Installing firewalls at all perimeter
                    connections; (ii) Installing intrusion detection software;
                    (iii) Implementing all critical security-related software
                    patches relating to products utilized in the Service; (iv)
                    Configuring routers with CERT-recommended security Access
                    Control List (ACL) statements; (v) Routinely monitoring the
                    firewall, intrusion detection, system and router logs for
                    anomalies; and (vi) Implementing automated, real-time
                    alerting by firewalls and IDS systems for suspected
                    high-risk Security Events (Security Events are defined as
                    "events that exhibit known attack signatures").

               (iii) DealerTrack shall use commercially reasonable efforts to
                    develop, implement and maintain procedures, appropriate to
                    the type of business being conducted by DealerTrack, with
                    respect to servers and workstations security for information
                    security, including, but not limited to: (i) Hardening, to
                    include disabling unused services; (ii) Configuring to
                    resist installation of malicious code including viruses,
                    sniffers, remote host-domination programs, and unauthorized
                    process monitors; (iii) Configuring to resist unauthorized
                    elevation of user privileges: (iv) Installing and
                    maintaining anti-virus detection software; and (v) Routinely
                    monitoring system and application logs for anomalies.

                                        4

<PAGE>

          (c)  Customer Information in Transmission or on Portable Media. All
               Customer Information transmitted via the Service will be
               encrypted during transmission in at least a 128 bit SSL
               encryption protocol or such higher standard that DealerTrack
               deems appropriate for the type of business being conducted by
               DealerTrack. All Customer Information transmitted outside the
               Service will be encrypted during transmission or when copied to
               portable media, using encryption methodology approved in advance
               by Lender's Information Risk Management, which approval shall not
               be unreasonably withheld. To the extent that Lender requests a
               specific method of encryption not then maintained by DealerTrack,
               then Lender shall, at its own cost and expense, provide such
               method to DealerTrack.

          (d)  Incident Response and Management. The Lender Information Risk
               Management Computer Incident Response Team ("CIRT") will be
               promptly notified by DealerTrack or its security designee when
               either DealerTrack or its security designee knows that a Security
               Event related to Lender's Customer Information at DealerTrack's
               site has occurred. DealerTrack will provide Lender with access,
               at DealerTrack's facility, to the hard, unaltered data and logs
               of the activity within seventy-two (72) hours of request from
               CIRT, subject to Lender's obligations with respect to
               confidentiality and reasonableness set forth in Section 23(a)(ii)
               above. Notwithstanding anything else to the contrary, this access
               to hard, unaltered data and logs shall not constitute or be
               deemed one of the two permitted audits set forth in Section
               23(a)(ii) above.

          (e)  Subcontractors; Ongoing Compliance.

               (i)  DealerTrack will maintain the same or greater (in
                    DealerTrack's reasonable belief) level of security that was
                    demonstrated in order to establish initial compliance with
                    the agreements in this document.

               (ii) Upon Lender's request, DealerTrack will apprise Lender of
                    any subcontractor engaged for the purpose of processing
                    Confidential Information on behalf of DealerTrack. Any
                    subcontractor engaged by DealerTrack for the purpose of
                    processing Confidential Information or sensitive document
                    destruction will be obligated to maintain the
                    confidentiality of Confidential Information, in accordance
                    with Section 15 of this Agreement and DealerTrack shall be
                    responsible for any breach thereof by any such
                    subcontractor.

          (f)  Materiality.

                                        5

<PAGE>

               (i)  If DealerTrack breaches any duty set forth in this Section
                    23, Lender shall provide DealerTrack with written notice of
                    the breach. Breach of this Section 23 is a material breach
                    of this Agreement.

11. Authority. Each of the parties represents and warrants to the other party as
follows: (a) that it has all necessary power and authority to enter into this
Amendment; and (b) this Amendment has been duly authorized, executed and
delivered by, and constitutes the valid and binding obligation of each party.

12. Counterparts. This Amendment may be executed in any number of counterparts
and by the different parties hereto on separate counterparts by facsimile or
otherwise, each of which when so executed and delivered shall be an original,
but all of which shall together constitute one and the same instrument.

13. Governing Law. This Amendment shall be governed by and construed and
enforced in accordance with the internal laws of the State of New York
applicable to contracts made or performed in such State.

                  [Remainder of page intentionally left blank]

                                        6

<PAGE>

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to
be duly executed and delivered by its authorized officer as of the date first
above written.

                                        DEALERTRACK, INC.

                                        By:
                                            ------------------------------------
                                        Name:
                                              ----------------------------------
                                        Title:
                                               ---------------------------------

                                        CAPITAL ONE AUTO FINANCE, INC.

                                        By: /s/ Dan Friedman
                                            ------------------------------------
                                        Name: Dan Friedman
                                        Title: Vice President

                                        7

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