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                                                                    EXHIBIT 10.8

                    MASTER AGREEMENT FOR CONSULTING SERVICES

DEALERTRACK AGREEMENT NO. 00005

This Master Agreement for Consulting Services ("Agreement") is made as of the
1st day of February, 2001, and is entered into by DealerTrack.com, Inc.
("DealerTrack"), a Delaware corporation having its principal place of business
located at 900 Stewart Avenue, Garden City, New York 11530 and Chase Manhattan
Automotive Finance Corporation ("Contractor"), a Delaware corporation having its
principal place of business located at 900 Stewart Avenue, Garden City, New York
11530.

1.    Notice

      Except as otherwise provided in this Agreement, whenever notice, demand or
      other communication shall or may be given to either party in connection
      with this Agreement, it shall be in writing and shall be sent by certified
      mail, postage prepaid, return receipt requested or by overnight express
      carrier, and shall be sent to the following addresses (or to such other
      address or addresses as may be from time to time hereinafter designated by
      the parties):

      If to DealerTrack:        DealerTrack.com, Inc.
                                900 Stewart Avenue
                                Garden City, New York 11530
                                Attention: Chief Operating Officer
                                Reference: DealerTrack Agreement No. 00005

      If to Contractor:         Chase Manhattan Automotive Finance Corporation

                                900 Stewart Avenue

                                Garden City, New York 11530
                                Attention: Norman Buchan

2.    Facsimile Copies

      The parties agree that facsimiles of fully-executed copies of this
      Agreement and any Task Orders shall be deemed originals for all purposes
      in connection herewith. All such facsimiles shall be sent to the following
      facsimile numbers (or to such other facsimile number or numbers as may be
      from time to time hereinafter designated in writing by the parties):

      If to DealerTrack: (516) 745-3903

      If to Contractor:  (515) 745-4528

3.    Standard Terms and Conditions

      The attached "Standard Terms and Conditions for Master Agreement for
      Consulting Services" shall be deemed to be incorporated by reference into
      each Task Order entered into by DealerTrack and Contractor speaking as of
      the date thereof (and if such incorporating reference is omitted for any
      reason, such omission may be remedied at any time by either party, without
      additional consideration therefor, as of the effective date of the Task
      Order) so long as this Agreement is in effect at the time such Task Order
      is executed or is later revived during the term of performance of such
      Task Order.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
effective as of the day, month and year first written above.

DEALERTRACK.COM, INC.                   CHASE MANHATTAN AUTOMOTIVE
                                        FINANCE CORPORATION

By                                      By
   ----------------                        -----------------

Name                                    Name

Title:                                  Title

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                          STANDARD TERMS AND CONDITIONS

                                      FOR

                    MASTER AGREEMENT FOR CONSULTING SERVICES

1.    SCOPE OF THE AGREEMENT

DealerTrack; DealerTrack's existing or future parent corporation; and the
existing and future direct and indirect subsidiaries of DealerTrack's parent
corporation, other than DealerTrack (collectively, "Subsidiaries"), all of which
may be referred to individually and collectively in this Agreement as
"DealerTrack", may from time to time request Contractor to perform consulting
services. In the event that DealerTrack does so request, and in the event that
Contractor agrees to perform such services, Contractor and DealerTrack shall
complete and execute a document which will be referred to in this Agreement as a
"Task Order". The DealerTrack entity that executes a Task Order shall be the
sole DealerTrack entity obligated with respect to such Task Order. In addition,
in no event shall DealerTrack be deemed to be a guarantor of, or otherwise
responsible for, any obligation of its parent corporation or of any of the
Subsidiaries.

2.    SERVICES

Consulting services and Work Product (as that term is defined in section 12.
below) to be provided to DealerTrack by Contractor (collectively, "Services")
shall be governed by the terms set forth herein and such additional terms as are
contained in any Task Order executed by DealerTrack and Contractor. Services to
be performed by Contractor shall be described in each Task Order under the
section entitled "Scope of Work." Contractor understands that prompt performance
by Contractor of all Services is required by DealerTrack in order to enable
DealerTrack to meet its schedules and commitments, and that time is of the
essence for the Services to be provided (including Work Product to be prepared)
by Contractor.

3.    CHANGE IN SCOPE OF WORK

DealerTrack may revise the Services set forth in the "Scope of Work" section of
any Task Order in a manner which does not materially vary the nature of
Contractor's work or materially increase the burden on Contractor. Any other
revision to Services may be effected from time to time only pursuant to
DealerTrack's request to Contractor for a quotation based upon the proposed
revision. Such quotation shall be provided by Contractor no more than seven days
after Contractor's receipt of such request, and DealerTrack shall accept or
reject such quotation within seven days from its receipt thereof. Failure by
DealerTrack to affirmatively accept a quotation in writing shall be deemed a
rejection; diligent pursuit of negotiation of a quotation by DealerTrack shall
stay the seven day period for so long as such negotiations are pending.

4.    PROJECT MANAGEMENT

DealerTrack shall designate in each Task Order a project manager ("DealerTrack
Project Manager") who shall have overall responsibility for coordination of the
Services with agents and employees of DealerTrack and other consultants.
Contractor shall also appoint and identify to DealerTrack an individual for each
Task Order who shall have overall responsibility for decision-making and
managing Contractor's Personnel assigned to each Task Order under this
Agreement. The term "Contractor's Personnel" shall mean Contractor's employees,
agents, subcontractors and other parties that assist Contractor in Contractor's
performance of Services.

5.    PERIOD OF PERFORMANCE

The start date and completion date of Services will be specified in each Task
Order.

6.    COMPENSATION FOR SERVICES

Each Task Order shall include a "Fee Schedule". DealerTrack agrees to pay
Contractor for Services rendered in accordance with each Task Order on the basis
of a professional

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unit (day, week or month as described in section 7. below), as set forth in the
Fee Schedule therein, against invoices specifying in reasonable detail the work,
period or milestones for which compensation is sought. All fees set forth in a
Task Order shall remain fixed throughout the period of performance of such Task
Order.

Contractor shall be responsible for the payment of applicable taxes and imposts
levied or based upon the income of Contractor or the fees payable to Contractor
by DealerTrack including, but not limited to, FICA and federal, state and local
income taxes, unemployment insurance taxes and any other employment taxes or
levies.

7.    PROFESSIONAL UNIT DEFINED

Contractor will be paid for Services on the basis of a Professional Unit which
will be set forth in the applicable Task Order as a Professional Day,
Professional Week or Professional Month.

A.       Payment for Services provided for a "Professional Day" is calculated
         according to the following formula:

   (i)   Except as provided in subsections B. and C. of this section 7. , and
         subject to subsections (ii) and (iii) of this subsection A., in
         consideration of Contractor's performing Services under a Task Order
         for eight hours or more on any calendar day (including, but not limited
         to, weekends and holidays), DealerTrack will pay Contractor therefor
         the amount described in such Task Order as the amount for a
         Professional Day ("Professional Day Amount").

   (ii)  DealerTrack shall not pay Contractor more than the Professional Day
         Amount in consideration of Contractor's performing Services under a
         Task Order on any calendar day (including, but not limited to, weekends
         and holidays) unless Contractor so performs for more than ten (10)
         hours during such day and DealerTrack agrees in writing (before
         Contractor begins to so perform during any time that exceeds such ten
         (10) hours) that it will pay more than the Professional Day Amount
         therefor. In the event that DealerTrack does so agree, DealerTrack will
         pay Contractor, in addition to the Professional Day Amount, an amount
         determined by multiplying the number of full (but not partial) hours
         during such day during which Contractor so performs that exceeds ten
         (10) by the number determined by dividing the Professional Day Amount
         by eight.

   (iii) In the event that Contractor performs Services under a Task Order on
         any calendar day (including, but not limited to, weekends and holidays)
         for less than eight hours, DealerTrack will pay Contractor an amount
         determined by multiplying the number of full (but not partial) hours
         during such day during which Contractor so performs by the number
         determined by dividing the Professional Day Amount by eight.

B.       Payment for Services provided for a "Professional Week" is calculated
         according to the following formula:

   (i)   Except as provided in subsections A. and C. of this section 7., and
         subject to subsections (ii) and (iii) of this subsection B., in
         consideration of Contractor's performing Services under a Task Order
         for forty (40) hours or more in any calendar week (including, but not
         limited to, weekends and holidays), DealerTrack will pay Contractor
         therefor the amount described in such Task Order as the amount for a
         Professional Week ("Professional Week Amount").

   (ii)  DealerTrack shall not pay Contractor more than the Professional Week
         Amount in consideration of Contractor's performing Services under a
         Task Order in any calendar week (including, but not limited to,
         weekends and holidays) unless Contractor so performs for more than
         fifty (50) hours during such week and DealerTrack agrees in writing
         (before Contractor begins to so perform during any time that exceeds
         such fifty (50) hours) that it will pay Contractor, in addition to the
         Professional Week Amount, an amount determined by multiplying the
         number

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         of full (but not partial) hours during such week during which
         Contractor so performs that exceeds fifty (50) by the number determined
         by dividing the Professional Week Amount by forty (40).

   (iii) In the event that Contractor performs Services under a Task Order in
         any calendar week (including, but not limited to, weekends and
         holidays) for less than forty (40) hours, DealerTrack will pay
         Contractor an amount determined by multiplying the number of full (but
         not partial) hours during such week during which Contractor so performs
         by the number determined by dividing the Professional Week Amount by
         forty (40).

C.       Payment for Services provided for a "Professional Month" is calculated
         according to the following formula:

   (i)   Except as provided in subsections A. and B. of this section 7., and
         subject to subsection (ii) of this subsection C., in the event that any
         Task Order indicates that Contractor will be paid on the basis of a
         "Professional Month," Contractor shall perform Services for at least
         eight hours per day for the number of DealerTrack business days in a
         given month, and for such additional time as is appropriate and
         consistent with others working on similar DealerTrack projects, and
         shall do so pursuant to the terms and conditions described in this
         Agreement (including such Task Order) and for the amount described in
         such Task Order ("Professional Month Amount").

   (ii)  In the event that Contractor performs Services under a Task Order
         during a given month (including, but not limited to, weekends and
         holidays) for less than eight hours times the number of DealerTrack
         business days in the month, DealerTrack will pay Contractor an amount
         determined by multiplying the number of full (but not partial) hours
         during such month during which Contractor so performs by the number
         determined by multiplying the number of DealerTrack business days in
         the month by eight and then by dividing that number by the Professional
         Month Amount.

8.       CONTRACTORS PERSONNEL

DealerTrack has entered into this Agreement in material part because Contractor
is a professional and able to service DealerTrack without significant direction
or supervision by DealerTrack. The manner and means of performing the Services
are under the sole control of Contractor. Nothing in any Task Order shall permit
DealerTrack to exercise control over the manner or means by which Contractor
performs its duties except to the extent necessary to coordinate Contractor's
performance in time, space or function with that of other persons engaged by
DealerTrack to achieve a common goal. DealerTrack is interested only in the
results, which are subject to DealerTrack's final approval, obtained under this
Agreement. Contractor shall be solely and entirely responsible for Contractor's
acts (and those of Contractor's Personnel) while this Agreement is in effect
even if Contractor's Personnel are not acting within the scope of employment.
Contractor shall promptly notify DealerTrack upon its learning of any wrongdoing
by Contractor's Personnel.

Contractor acknowledges that it is solely an independent contractor and that
neither it nor any of Contractor's Personnel are agents of, joint ventures with
or employees of DealerTrack. Neither DealerTrack nor Contractor shall have the
authority to bind, or make any representations on behalf of, the other, and
neither party shall hold itself out as such or knowingly permit another to rely
on such belief.

Subject to the requirements of section 9 of this Agreement, Contractor's
Personnel shall conform to the level of technical expertise required by
DealerTrack. Contractor shall, upon DealerTrack's request, furnish requested
information regarding Contractor's Personnel who are to perform Services under
any Task Order, which information is (i) reasonably related to the ability of
Contractor's Personnel to perform Services or (ii)

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Assignment Statements, or of its obligations regarding the selection, placement
and supervision of Contractor's Personnel.

Nothing herein is intended to preclude Contractor's or Contractor's Personnel's
simultaneous or subsequent engagement by third parties, provided only that such
services do not interfere with Contractor's or Contractor's Personnel's
obligations under this Agreement and are consistent with Contractor's and
Contractor's Personnel's duties of confidentiality and the proprietary rights
provisions herein.

Contractor shall advise Contractor's Personnel of their obligations set forth in
this section 8. and shall be responsible for Contractor's Personnel's knowledge,
understanding, agreement and compliance with Contractor's obligations, to the
extent applicable.

Contractor shall maintain procedures to prevent, report and eliminate activity
which would constitute or condone sexual harassment or discrimination.

9.    SUBCONTRACTORS

A. Contractor may not use subcontractors to provide Services to DealerTrack
without DealerTrack's prior written approval. Any such subcontractor shall, as a
condition to engagement by Contractor hereunder, agree in writing to adhere to
the provisions of this Agreement including, but not limited to those regarding
conveying title to Work Product to DealerTrack. Contractor shall remain
primarily responsible to DealerTrack for the performance and any liability of
each subcontractor engaged to fulfill any part of a Task Order.

B. Contractor's failure to secure any subcontractor's prior written consent to
the terms of this Agreement prior to commencement of work for Contractor in
performance of Services may preclude delivery to DealerTrack of good title in
any deliverables due to DealerTrack as part of the Services rendered under this
Agreement. Such a failure shall entitle DealerTrack to, inter alia: (i) withhold
and/or demand Contractor's immediate refund of all monies payable or paid to
Contractor under the applicable Task Order and/or (ii) reimbursement of all
costs incurred by DealerTrack in attempting to secure, document and perfect good
title to deliverables hereunder. These remedies are not exclusive. Any
limitations period shall run from DealerTrack's actual notice of Contractor's
use of subcontractors.

10.   FACILITIES, ASSISTANCE AND SUPPLIES

In the event that the nature of Services to be provided under a Task Order
reasonably requires Contractor to work on DealerTrack's premises, or DealerTrack
consents to a request therefor, DealerTrack shall provide to Contractor such
facilities, space, office supplies and support as may be reasonably required by
the nature of such Services. Except as provided to the contrary in a Task Order,
Contractor shall otherwise be responsible to provide such supplies, equipment
and facilities as it may require to perform the Services and shall be
responsible for all costs and expenses thereof.

11.   TERMINATION

A. In the event that DealerTrack breaches any material provision of this
Agreement and fails to cure such breach within ten (10) days after Contractor
notifies it thereof, Contractor may terminate the Task Order affected by such
breach immediately by notifying DealerTrack thereof. In no event shall
DealerTrack's liability for any breach exceed the amount that would be payable
to Contractor had it fully performed under the applicable Task Order, reduced by
the savings Contractor enjoyed by reason of not having to perform.

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B. In the event that Contractor: (i) breaches any provision contained in section
14. or section 30. of this Agreement; (ii) breaches any material provision of
this Agreement other than those contained in such section 14. and such section
30. and fails to cure such breach within five days after DealerTrack notifies it
thereof; (iii) becomes insolvent; (iv) makes a general assignment for the
benefit of creditors; (v) ceases conducting business in the ordinary course or
(vi) files a petition under bankruptcy law or any other insolvency law providing
for the relief of debtors, or any such petition is filed against it, and
Contractor fails to have such petition lifted or stayed within five days from
the date on which it is entered, DealerTrack, notwithstanding anything to the
contrary contained in this Agreement, may terminate this Agreement or any one or
more Task Orders immediately by notifying Contractor thereof.

C. Notice of termination for breach as set forth in subsections A. and B. of
this section 11 shall state the basis for such termination and the effective
date thereof, which may be the date of notice.

D. DealerTrack may, for any reason or for its convenience, terminate any Task
Order upon notice (written or otherwise) thereof to Contractor. Such notice
shall state the date upon which such termination shall become effective. Subject
to the other terms and conditions contained in this Agreement, DealerTrack shall
pay to Contractor the amount due for completed Services and for expenses
pursuant to the fee schedule of the applicable Task Order through the effective
date of termination.

E. This Agreement shall be effective on the date set forth in the first
paragraph on the first page. This Agreement shall continue in effect thereafter
until DealerTrack or Contractor terminates this Agreement by notifying the other
thereof at least ten (10) business days in advance. No such termination shall be
effective, however, until the last Task Order then in effect expires or is
terminated.

12.   WORK PRODUCT; SURRENDER; TITLE

A. For purposes of this Agreement, the term "Work Product" shall mean all work
product developed under any Task Order by Contractor or Contractor's Personnel
(tangible, recorded or otherwise, and without regard to the form of recordation
or state of completion), whether or not such Task Order or the Services are
complete, and the term "Work-in-Progress" at any time shall mean all Work
Product in the hands of Contractor, or Contractor's Personnel, including,
without limitation, working papers, narrative descriptions, reports, data,
tapes, diskettes, software and all materials of similar character.

B. Upon termination of any Task Order or this Agreement, or upon DealerTrack's
earlier request, Contractor shall promptly deliver to DealerTrack all Work
Product, including, but not limited to, all Work-in-Progress (or any lesser part
designated by DealerTrack in writing) and all materials (including, but not
limited to, all Confidential Information) which DealerTrack furnishes to
Contractor in connection with this Agreement (including, but not limited to, any
Task Order). Except as otherwise provided in a Task Order, Contractor shall
retain no part or copy of any Work Product or Work-in-Progress. If requested by
DealerTrack, Contractor shall certify in writing its exacting compliance with
the foregoing provision.

C. Unless otherwise specified in the applicable Task Order, all Work Product,
including, but not limited to, Work-in-Progress, is, or shall be, upon creation
under any Task Order, the exclusive property of DealerTrack. All copyrights,
patents and trade secret rights therein, and the rights to register or apply
therefor, in or relating to Work Product, shall likewise be the exclusive
property of DealerTrack. All Work Product comprising copyrightable subject
matter is agreed to be "work made for hire" pursuant to the Copyright Act of
1976 as from time to time amended. To the extent that any Work

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Product is other than a work made for hire, Contractor hereby makes a
continuing, irrevocable assignment thereof, as created, to DealerTrack.
Contractor and Contractor's Personnel shall, promptly at the request of
DealerTrack, execute any and all documentation reasonably requested by
DealerTrack to evidence such transfer including, without limitation, specific
assignments.

13.   REPRESENTATIONS AND WARRANTIES OF CONTRACTOR

Contractor hereby represents and warrants to DealerTrack that:

(i) Contractor has the right and authority to enter into this Agreement and to
perform the Services and other obligations as described herein;

(ii) Contractor shall perform all Services in a professional manner and in a
manner consistent with the highest industry standards (and, when a Task Order
defines specifications for deliverables to be provided by Contractor, the
deliverables shall be in conformance with such specifications);

(iii) Contractor shall utilize only personnel who are authorized to work in the
United States for the performance of any Services in the United States;

(iv) neither Contractor in the performance of Services, nor any Work Product,
will infringe on, violate or misappropriate any patent, copyright, trade secret,
trademark or other proprietary right of any entity; and

(v) Contractor shall not charge DealerTrack any fees or charges that are higher
than the fees and charges that Contractor charges its most favored customer for
services that are the same as or similar to the Services.

14.   CONFIDENTIALITY

A. Contractor acknowledges and agrees that a duty is owed DealerTrack to
maintain the confidentiality of Confidential Information (as hereafter defined)
provided by DealerTrack or obtained by Contractor or prepared in connection with
the provision of Services under this Agreement (including, but not limited to,
Work Product). Contractor shall treat such information as strictly confidential,
and shall not use, disclose, duplicate, copy, transmit or otherwise disseminate
or permit to be used, disclosed, duplicated, copied, transmitted or otherwise
disseminated at any time prior to or after the termination of this Agreement
such information, except in pursuit of DealerTrack's business or as specifically
permitted in writing by DealerTrack, whether Contractor has such information in
its memory or it is embodied in writing or other physical form. The term
"Confidential Information" shall include:

      (i) Any information of DealerTrack not generally known to the public,
      including, without limitation, any trade secrets or proprietary
      information concerning DealerTrack, its sales, personnel or accounting
      procedures, accounts, operations, devices, techniques, methods, business
      plans, software (regardless of its state of completion or from of
      recordation), data processing programs, data bases, models, product
      proposals, internally devised technology, system or network architecture
      or topology, secret processes, products, capacities, systems, research
      projects and Work Product, and other means used by DealerTrack in the
      provision of services to customers and in the conduct of business, whether
      developed, acquired or compiled by DealerTrack.

      (ii) Any information concerning customers and prospective customers of
      DealerTrack, and the affairs and business activities of DealerTrack and/or
      its customers, including, without limitation, trade secret and proprietary
      information

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      concerning accounts, financial standing, investment holdings and other
      personal financial data compiled by DealerTrack and/or provided by
      customers, specific financial needs and requirements with respect to
      investment, financial position and standing, leads, referrals and
      references to customers, holding book or customer book pages, assets and
      obligations carried in accounts of customers, and all records and
      documents concerning the business and affairs of DealerTrack and/or
      customers (including copies and originals and any graphic format or
      electronic media) whether developed, compiled or acquired by DealerTrack.

      (iii) The identity of and any and all confidential or proprietary
      information or data belonging to or concerning any DealerTrack customers
      and any third parties which is in the possession, custody or control of
      DealerTrack.

      (iv) Any idea or concept which has been reduced to tangible form, and any
      and all work compiled, acquired or produced by Contractor's Personnel in
      connection with their assignment to DealerTrack.

B. The obligation to treat information as Confidential Information shall not
apply to information which: (i) is publicly available through no action of
Contractor, (ii) shall have been in Contractor's possession independent of its
relationship with DealerTrack, (iii) shall have been developed by or become
known to Contractor without access to any Confidential Information and outside
the scope of any agreement with DealerTrack, or (iv) shall be obtained
rightfully from third parties not bound by an obligation of confidentiality.
Contractor shall promptly notify DealerTrack in writing of any unauthorized use
or disclosure of any Confidential Information.

C. Contractor shall advise Contractor's Personnel of their obligations under
this section 14. and that such obligations continue even in the event such
Contractor's Personnel leave the employ of Contractor (if applicable) or cease
work on a Task Order, and Contractor shall be responsible for such Contractor's
Personnel's compliance with such obligations and shall require such Contractor's
Personnel to execute DealerTrack's "Consultant Non-Disclosure Agreement".

D. Upon termination of any Task Order or this Agreement, or upon DealerTrack's
earlier request, Contractor shall promptly deliver to DealerTrack all
Confidential Information and any other material which DealerTrack furnishes to
Contractor in connection with this Agreement. Except as provided in this
Agreement, Contractor shall retain no part or copy of any Confidential
Information. If requested by DealerTrack, Contractor shall certify in writing
its exacting compliance with this provision of this Agreement.

E. Contractor shall not disclose, duplicate, copy, transmit or otherwise
disseminate any Confidential Information except to those of Contractor's
Personnel who have a need to know it in order to perform Services under a Task
Order and employees of DealerTrack or employees of other contractors or
consultants, identified to Contractor in writing by the Project Manager of the
relevant Task Order as having requisite clearance and a need to know such
information.

F. In no event shall Contractor use Confidential Information for its own benefit
or that of any third party, nor shall Contractor use Confidential Information to
DealerTrack's detriment; for any purpose other than performance of the Task
Order pursuant to which it is disclosed or later associated; or in any manner
not necessary to performance of such Task Order. Except in fulfillment of a Task
Order expressly anticipating any such action, Contractor 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 DealerTrack in connection
with this Agreement, nor shall Contractor access or generate corresponding
higher level code, access the logic intrinsic thereto; or aid, abide or permit
another to do so.

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G. Contractor agrees that no remedy at law is adequate to compensate DealerTrack
for a breach of the provisions of this section 14. and that DealerTrack
therefore shall be entitled to temporary and permanent injunctive relief against
any such breach, or the threat of any such breach, without having to prove
actual damages or the inadequacy of money damages.

H. This section 14. shall survive the termination of this Agreement, regardless
of the party that terminated this Agreement or the reasons therefor.

15.   INTENTIONALLY LEFT BLANK

16.   INDEMNIFICATION

 A.   Contractor shall defend (with counsel satisfactory to DealerTrack),
      indemnify and save harmless DealerTrack, its current and former officers,
      directors and employees, from any and all claims, expenses (including
      reasonable attorneys' fees), damages, suits, costs, losses or judgments
      whatsoever, whether groundless or otherwise, and any and all claims
      arising from, arising out of or relating to:

   (i)      any and all claims of bodily injuries (including death, no matter
            when death occurs) or damages to property that are caused by, arise
            out of, are connected with or result from the negligence or willful
            misconduct of Contractor or of Contractor's Personnel;

   (ii)     any and all employment-related claims arising out of, incident to or
            connected with, in whole or in part, this Agreement (including, but
            not limited to, a breach by Contractor of any term or condition of
            this Agreement or any act or omission of Contractor or Contractor's
            Personnel, provided, however, that Contractor shall not be required
            to indemnify DealerTrack for that portion of damage attributable to
            DealerTrack's gross negligence or willful misconduct and

   (iii)    any and all claims that the Work Product infringes on, violates or
            misappropriates any copyright, patent, trademark, trade secret or
            other proprietary right, or involves libel, slander, defamation,
            violation of personal rights of privacy, misappropriation of ideas
            or rights, literary piracy or plagiarism. Contractor shall do so
            whether or not such claim is made in good faith or was known to
            DealerTrack at the time that DealerTrack executed this Agreement or
            became known to DealerTrack thereafter.

   (iv)     a material breach of any provision of this Agreement.

  B.  In the event that DealerTrack is enjoined, or is otherwise prohibited,
      from using the Work Product as a result of or in connection with any claim
      described in subsection (iii) of subsection A. of this section 16.,
      Contractor, at its own expense, shall in addition to fulfilling its
      obligations described in subsection A., promptly: (i) procure for
      DealerTrack the right to continue using such Work Product; (ii) modify the
      Work Product so that it becomes noninfringing without materially altering
      its capacity or performance; or (iii) replace the Work Product with
      material that is equal in capacity and performance but is noninfringing

  C.  As a condition to indemnification, DealerTrack will grant Contractor
      control of the defense of any action and all negotiation in its settlement
      or compromise, provided that any settlement or compromise shall be
      reasonably acceptable to DealerTrack, and does not adversely affect any
      rights of, or create any obligation on the part of, DealerTrack.

  D.  If DealerTrack in its sole discretion determines that, due to the
      seriousness of the particular issues raised in or the potential material
      consequences of any action

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      covered by this section 16., separate counsel is required to represent
      DealerTrack's interests, DealerTrack may, at its option, select counsel
      and conduct the defense of the action at DealerTrack's own expense but
      DealerTrack's doing so shall not prejudice in any way DealerTrack's right
      to indemnification under this section 16. Further, in such case,
      Contractor shall cooperate with DealerTrack in the defense of any such
      action. Notwithstanding the foregoing, DealerTrack shall not be required
      to incur the expense of separate counsel in circumstances involving a
      conflict of interest between representation of Contractor and DealerTrack.

  E.  This section 16. shall survive the termination of this Agreement,
      regardless of the party that terminated this Agreement or the reasons
      therefor.

  F.  The parties agree that in any claim whatsoever brought against DealerTrack
      where DealerTrack has advised Contractor that it may seek indemnification
      or defense pursuant to this section, the parties will consider promptly
      and in good faith any settlement offer made or considered (however
      characterized) with the intention of resolving any such matter as promptly
      and on as reasonable terms as possible in the circumstances.

17.   LIMITATION OF LIABILITY

Except with respect to Contractor's indemnification obligations described in
subsections (iii) of subsection A. of section 16. of this Agreement, in no event
shall either party be liable to the other for any indirect, special or
consequential damages in connection with or arising out of this Agreement, even
in the event that it is advised of the possibility that such damages may arise,
occur or result.

18.   DEALERTRACK'S SECURITY REGULATIONS

A. Contractor shall comply with DealerTrack's security regulations, made known
or known to Contractor, applicable to each location to which Contractor has
access pursuant to any Task Order. When deemed appropriate by DealerTrack,
Contractor may be issued an identification card, key or other security device.
All of such cards, keys and other devices shall be surrendered by Contractor
upon demand by DealerTrack or upon the earlier termination or expiration of the
relevant Task Order or this Agreement. Contractor shall cooperate with
DealerTrack guards and other DealerTrack security personnel as directed.

B. Neither Contractor nor its employees shall have access to, or attempt to gain
access to, any DealerTrack location outside of the normal working hours for that
location or on a day that is a scheduled holiday for that location, except as
approved in advance by DealerTrack.

19.   MINIMUM INSURANCE REQUIREMENTS

A. The insurance coverages set forth below are the minimum insurance
requirements for consultants providing Services to DealerTrack and Contractor
shall maintain such coverages during the performance of its obligations under
any Task Order:

   (i)      Workers' Compensation Insurance with coverage applicable in all
            states in which work is to be performed under any Task Order, with
            limits in accordance with the statutory requirement of each such
            state, and Coverage B -

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<PAGE>

            Employer's Liability Coverage, including occupational disease, with
            a limit of not less than $1,000,000 per accident.

      (ii)  Commercial General Liability Insurance covering Contractor's
            operations, with limits acceptable to DealerTrack but with combined
            single limits for bodily injury, personal injury and property damage
            not less than $3,000,000, with DealerTrack named as additional
            insured and including coverage as follows:

-         Commercial General Liability (Comprehensive Form)

-         Broad Form Contractual Liability;

-         Independent Contractors (if any part of the work is to be
          subcontracted);

-         Broad Form Property Damage;

-         Personal Injury;

      (iii) Automobile insurance including coverage for owned, non-owned and
            hired vehicles in the amount of $1,000,000 per occurrence for bodily
            injury and property damage. [Required if automobiles will be used in
            performing this service.]

B.    Insurance Terms and Certificates

      (i)   The insurance required under subsection A. of this section 19. may
            be in a policy or policies of insurance, primary and excess,
            including so-called Umbrella or Catastrophe form, which may also
            include Comprehensive Automobile insurance and Employer's Liability
            insurance. Insurance provided under this Agreement must be placed
            with carriers with A.M. Best's rating of A - VIII or superior. All
            policies shall be endorsed to show that they are primary to any
            policy maintained by DealerTrack.

      (ii)  Contractor shall add DealerTrack as an additional insured to the
            policies required under subsections (ii) and (iii) of subsection A.
            of this section 19., but only in respect to the work being performed
            pursuant to a Task Order. All such policies also shall be endorsed
            with the provisions that the coverage afforded for DealerTrack shall
            be primary and shall not require contribution by any other similar
            insurance available to DealerTrack.

      (iii) Certificates of Insurance listing the required coverages and
            acceptable to DealerTrack shall be filed with DealerTrack prior to
            Contractor, commencing performance of its obligations under any Task
            Order. Such Certificates of Insurance shall be sent by Contractor to
            DealerTrack.com, Inc., 900 Stewart Avenue, Garden City, New York
            11530. Such certificates shall provide that DealerTrack shall be
            given at least thirty (30) days written notice prior to cancellation
            or any change to restrict the coverage or reduce the limits
            afforded.

      (iv)  The insurance required in subsection A. of this section 19. and
            approval of Contractor's insurance by DealerTrack shall not affect
            Contractor's other obligations under this Agreement or any Task
            Order.

20.       NON USE OF DEALERTRACK NAME

Contractor shall not use, in any advertising or promotional material or media,
DealerTrack's name or logo, or otherwise identify DealerTrack as a client of
Contractor, without DealerTrack's prior written consent.

21.       SUPREMACY OF THIS AGREEMENT

The provisions, terms and conditions of this Agreement, the Task Orders entered
into hereunder and documents referenced herein or therein represent the entire
agreement between DealerTrack and Contractor on the subject matter hereof and
this Agreement supersedes all related prior agreements and understandings
between the parties. In the

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<PAGE>

event of conflict between this Agreement and a Task Order, the terms and
conditions of the Task Order shall prevail.

22.   AMENDMENT

No modification or amendment of this Agreement or of any Task Order shall be
effective unless it is in writing and such writing is signed by authorized
representatives of DealerTrack and Contractor. For the purposes of this section
22., only an authorized officer of DealerTrack's Technology Procurement
Department is an authorized representative of DealerTrack for any amendment to
this Agreement or for a Task Order executed by DealerTrack.

23.   ASSIGNMENT

A. Neither this Agreement (including, but not limited to, any Task Order), nor
any rights or obligations hereunder or thereunder, may be assigned by either
party hereto without the prior written consent of the other.

B. Notwithstanding the foregoing, nothing shall prevent the assignment by
DealerTrack of this Agreement or the assignment by DealerTrack of any Task Order
without the consent of Contractor: (i) to DealerTrack's parent or to any of the
Subsidiaries or (ii) in connection with the sale of all or substantially all of
DealerTrack's assets. In the event that DealerTrack merges into or consolidates
with another entity, this Agreement and any Task Orders shall be deemed assigned
or transferred to such successor in interest without further action by
DealerTrack.

C. An assignment in contravention of this section 23. shall be null and void.

24.   SUCCESSORS AND ASSIGNS

This Agreement shall inure to the benefit of and be binding upon the parties
hereto and their respective successors and assigns.

25.   FURTHER ASSURANCE

The parties hereto agree to perform all acts and execute all supplementary
instruments or documents which may be necessary or desirable to carry out the
provisions of this Agreement and each Task Order.

26.   SEVERABILITY

Any provision of this Agreement which is prohibited or unenforceable in any
jurisdiction shall, as to such jurisdiction, be ineffective to the extent of
such prohibition or unenforceability without invalidating the remaining
provisions of this Agreement, and no such prohibition or unenforceability in any
jurisdiction shall invalidate such provision in any other jurisdiction.

27.   REMEDIES CUMULATIVE

Any and all rights and remedies which either party may have under this
Agreement, at law or in equity, shall be cumulative and shall not be deemed
inconsistent with each other, and any two or more of all such rights and
remedies may be exercised at the same time insofar as permitted by law.

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<PAGE>

28.   FORCE MAJEURE

Neither DealerTrack nor Contractor shall be liable for any failure to perform,
or any delay in performing, its obligations pursuant to this Agreement, that
arises out of, is caused by or results from acts of God or other circumstances
that are beyond its reasonable control. In the event that any such circumstances
do arise, occur or result, Contractor and DealerTrack shall use reasonable
efforts to overcome such circumstances as promptly as practicable.

29.   FORBEARANCE

The failure of either party to insist upon the performance of any terms or
conditions of this Agreement (including, but not limited to, any Task Order), or
to exercise any right or privilege conferred herein or therein, or to demand any
penalties resulting from any breach hereof or thereof, shall not be construed as
the waiver or relinquishment of any such terms, conditions, penalties, rights or
privileges.

30.   COMPLIANCE WITH LAWS, PAYMENT OF TAXES

A. Contractor warrants that at all times it shall comply with all applicable
federal, state, local and other laws and regulations (and as such laws and
regulations may have been amended or may be amended from time in the future) in
performing the Services and its other obligations pursuant to this Agreement.
Without limiting the generality of the first sentence of this section 30.,
Contractor shall not discriminate against any employee or applicant for
employment because of race, color, religion, sex, national origin, age,
disability, sexual orientation, creed, alienage, citizenship status, marital
status or any other category protected under any federal, state or local law or
regulation. Contractor shall take affirmative action to ensure that applicants
are selected for employment, and that employees are treated during employment,
without regard to their race, color, religion, sex or national origin, age,
disability, sexual orientation, creed, alienage, citizenship status, marital
status or any other protected status. Such treatment shall include, but not be
limited to, the following: employment, upgrading, demotion or transfer,
recruitment or recruitment advertising; layoff or termination; rates of pay or
other forms of compensation; and selected for training including apprenticeship.
Contractor shall post in conspicuous places, available to the employees and
applicants for employment, notices setting forth the provisions of this
nondiscrimination section.

B. Unless exempt, Contractor shall comply with Department of Labor requirements
for: (a) Executive Order 11246, as amended; (b) Affirmative Action Regulations
for Minorities and Women - 41 Code of Federal Regulations ("C.F.R.") 60-1 et
seq.; (c) Section 503 of the Rehabilitation Act of 1973; (d) Affirmative Action
Regulations for Handicapped Workers - 41 C.F.R. 60-741 et seq.; (e) Section 402
of the Vietnam-Era Readjustment Assistance Act of 1972 and 1974; (f) Affirmative
Action Regulations for Special Disabled and Vietnam-Era Veterans - 41 C.F.R.
60-250 et seq.; and (g) Affirmative Action Regulations for Small, Small
Disadvantaged and Women-Owned Small Business Concerns 48 C.F.R. 52-219 et seq.,
which are incorporated by reference herein.

31.   HEADINGS

The division of this Agreement into sections, clauses, paragraphs or
subdivisions thereof, and the insertion of headings, are for convenience and
reference only and shall not affect the construction or interpretation hereof.

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<PAGE>

32.   GOVERNING LAW; JURISDICTION; SERVICE OF PROCESS

This Agreement shall be construed and enforced in accordance with the laws of
the State of New York, without reference to the conflict of laws provisions
thereof. The parties hereby consent to the personal jurisdiction of the state
and federal courts within the Borough of Manhattan, City of New York, for the
adjudication of all matters relating hereto or arising hereunder, and shall
accept as due and binding service of legal process there for service by
receipted mail directed to the respective address provided for herein for notice
purposes.

33.   SURVIVAL

Any terms or conditions of this Agreement which by their express terms extend
beyond termination or expiration of this Agreement or which by their nature
shall so extend shall survive and continue in full force and effect after any
termination or expiration of this Agreement.

                                                                        15 of 15<PAGE>

                                                                   EXHIBIT 10.9

                            NON-COMPETITION AGREEMENT

      This Non-Competition Agreement (this "Agreement") is dated as of March 19,
2003 and entered into by and among DealerTrack Holdings, Inc., a Delaware
corporation ("Buyer"), Credit Online, Inc., a Delaware corporation ("Company"),
First American Credit Management Solutions, Inc., a Delaware corporation
("CMSI") and The First American Corporation, a California corporation
("Parent").

                                    RECITALS

      WHERAS, this Agreement is entered into in connection with that certain
Stock Purchase Agreement, dated as of January 30, 2003, by and among Buyer,
Company, CMSI and Parent (the "Stock Purchase Agreement"; capitalized terms
defined therein and used herein without delimitation shall have the meaning
assigned to such term therein).

      NOW THEREFORE, in connection with the Stock Purchase Agreement and for the
consideration stated herein and therein, the parties hereby agree as follows:

                                  AGREEMENT

      1. Definitions. As used in this Agreement, the following definitions shall
apply:

            "Automobile(s)" means passenger vehicles, light trucks, snowmobiles,
recreational vehicles, motorcycles, boats and other watercraft and/or commercial
vehicles.

            "Asset Remarketing" means an Internet-based, business-to-business
e-commerce system, which enables multiple Lenders to market and sell leased
Automobiles either (i) pre-lease termination, (ii) post-lease termination or
(iii) post-repossession, in each case, to Dealers.

            "CMSI Business" means single Lender credit origination and/or credit
decisioning systems, which enable such single Lenders, to do one or more of the
following: (i) receive credit application data with respect to a loan or lease,
(ii) retrieve collateral related data, such as collateral value, (iii) score
credit applications, (iv) determine whether a credit application meets such
Lender's criteria for the granting of credit, and/or (v) determine the terms for
the granting of such credit. These systems may be delivered on an Application
System Processing ("ASP") basis or through software and systems operating
internally at a Lender. In addition, the CMSI Business means a
business-to-business system for mortgage or home equity Lenders to retrieve and
deliver real property (i) flood certifications, (ii) title insurance and (iii)
appraisal services.

            "CMSI Lender" means a Lender who currently uses, or is in
discussions or negotiations with respect to the use of, the products and/or
services offered by CMSI, or any successor in interest thereto.

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            "Dealer" means an Automobile dealer in the United States or Canada.

            "DealerTrack Business" means (1) an Internet-based, business-to
business e-commerce system, which enables (i) Dealers to do one or more of the
following (a) directly route/transmit credit application data with respect to a
loan or lease to multiple Lenders, (b) receive credit decisions with respect to
credit applications submitted by such Dealer, or (c) obtain contract status,
pay-off quotes, prospecting reports, rates, programs and other information
related to the items set forth in this clause (c) from multiple Lenders, (d)
filter and route credit applications to multiple Lenders and/or (e) obtain other
information on products and services Lenders offer to Dealers; (ii) the
eContracting Service; (iii) PaymentTrack; (iv) Dealers to directly receive
and/or generate reports from multiple Lenders related to any of the foregoing;
and/or (v) non-affiliated Lenders to pass credit applications with respect to
Automobiles between and/or among themselves; and (2) Asset Remarketing.

            "eContracting Service" means a product and/or service, which enables
(i) multiple Lenders to allow Dealers to access, process, complete and source
certain electronic Automobile loan and lease contracts and ancillary documents
related thereto on-line and transmit such contracts and documents to one or more
Lenders, (ii) one or more Lenders to receive electronic "authoritative" copies
(as such term is used in Section 9-105 of the New York Uniform Commercial Code
or any successor provision thereto) of Automobile loan and lease contracts
and/or securitize such loan and lease contracts, (iii) a person or entity which
controls electronic "authoritative" copies (as such term is used in Section
9-105 of the New York Uniform Commercial Code or any successor provision
thereto) of Automobile loan and lease contracts to access, view, store, add,
delete, replace, track, pool, control, transfer, convert to a legally binding
paper copy, print and/or restore such electronic "authoritative" copies of
Automobile loan and lease contracts in a controlled system which logs all
transactions associated therewith, and/or (iv) Lenders to access such Automobile
loan and lease contracts in a manner to facilitate the pooling and/or transfer
of such Automobile loans in a securitization.

            "First American Business" means any business related to (i) real
property, including, without limitation, the financing, transferring,
encumbering, leasing, appraising, insuring or collateralizing thereof, (ii)
personal property (other than with respect to businesses that constitute the
DealerTrack Business), including, without limitation, the financing,
transferring, appraising, insuring, encumbering or collateralizing thereof,
(iii) the collection, storage, sale, licensing, provision and/or receipt of data
regarding real property and personal property (other than with respect to
businesses that constitute the DealerTrack Business), (iv) the insuring of title
and histories to Automobiles and/or any other motorized method of
transportation, (v) the provision of insurance to Automobile owners and users
and/or the owners and users of any other motorized method of transportation,
(vi) the provision, collection, storage, sale, licensing and/or receipt of
credit bureau reports and related data, (vii) the merging of credit bureau
reports, (viii) employee screening, (ix) drug testing and other occupational
health services, (x) tenant screening, (xi) the provision of Automobile history
reports, (xii) the insuring of title and histories to cargo containers, rail
cars and other portable storage containers, and (xiii)

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                                       2

<PAGE>

the provision of VIN decoding, valuations, lien release, title outsourcing
(including storage and processing) and electronic liens and title for
Automobiles by Dealers, Lenders and motor vehicle agencies.

            "Lender" means a financial institution or other financing source or
an Affiliate thereof which is also a financial institution or a financing
source. For purposes hereof, Route One, LLC, or any successor in interest
thereto, is not an Affiliate of any Lender.

            "Other Multi-Lender Automotive Finance Portal" means an
Internet-based, business-to business e-commerce system run by a Person other
than Buyer or its Affiliates or any successor in interest thereto, which enables
(i) Dealers to do one or more of the following (a) directly route/transmit
credit application data with respect to a loan or lease to multiple Lenders, (b)
receive credit decisions with respect to credit applications submitted by such
Dealer, or (c) obtain contract status, pay-off quotes, prospecting reports,
rates, programs and other information related to the items set forth in this
clause (c) from multiple Lenders, (d) filter and route credit applications to
multiple Lenders and/or (e) obtain other information on products and services
Lenders offer to Dealers; and/or (ii) the eContracting Service.

            "PaymentTrack" means a product or service (i) which enables a Dealer
or consumer to compare with respect to Automobiles (a) available lease programs,
(b) available retail programs (prime and non-prime), and/or (c) available retail
and lease programs, in each case, to identify the potential best program for the
Dealer or consumer, as applicable, based on the criteria supplied by such party;
and/or (ii) through which residual value data, Lender rates, and/or program data
is licensed or subscribed to with respect to Automobiles.

      2. NONCOMPETE.

            A. As a material inducement to Buyer's willingness to enter into and
perform the Stock Purchase Agreement and to purchase the Stock, each of Parent
and CMSI (the "Relevant Seller Parties") agrees that it and its Affiliates will
not Compete (as defined below) at any time for ten (10) years after the Closing
Date anywhere in North America (such period, the "Non-Competition Period"). As
used in this Section 2A only, "Compete" means, for its own benefit or as agent
for another, carry on activities or participate in the ownership of (except as
the holder of not more than twenty percent (20%) of the outstanding equity
interests in an entity), or management or control of, or the financing of, any
present or future business enterprise that competes with the DealerTrack
Business; provided, however, that in no event shall the DealerTrack Business be
construed to include any business which is a First American Business. In
addition to the foregoing, during the Non-Competition Period, CMSI shall not
enable a "single" Lender to accept input (including, without limitations credit
application, contract or other data) from a Dealer and transmit such input from
a Dealer to any non-affiliated Lender at the request, initiation or direction of
such Dealer.

            B. As a material inducement to Parent and CMSI's willingness to
enter into and perform the Stock Purchase Agreement and for CMSI to purchase and
for Parent to cause CMSI to purchase the DelearTrack Shares, each of Buyer and
Company (following the Closing)

                                                                       EXECUTION

                                       3

<PAGE>

(the "Relevant Buyer Parties") agrees that it and its Affiliates will not
Compete (as defined below) at any time during the Non-Competition Period
anywhere in North America. For purposes of this Section 2B only, "Compete"
means, for its own benefit or as agent for another, carry on activities or
participate in the ownership of (except as the holder of not more than twenty
percent (20%) of the outstanding equity interests in an entity), or management
or control of, or the financing of, any present or future business enterprise
that competes with the CMSI Business.

            C. The Relevant Seller Parties and the Relevant Buyer Parties
acknowledge and agree that the provisions of this Section 2 have been
specifically negotiated and carefully tailored with a view to preventing the
serious and irreparable injury that Buyer and/or Company will suffer in the
event of operation of a competing business by a Relevant Seller Party or its
Affiliates during the Non-Competition Period and that Parent and/or CMSI will
suffer in the event of operation of a competing business by a Buyer Relevant
Party or its Affiliates during the Non-Competition Period, as applicable. The
Relevant Seller Parties and the Relevant Buyer Parties further acknowledge that
a breach by any Relevant Seller Party or its Affiliates or by any Relevant Buyer
Party or its Affiliates, as applicable of this Section 2 will cause irreparable
injury and damage to Buyer and/or Company (in the case of a breach by a Relevant
Seller Party or its Affiliates) or Parent and/or CMSI (in the case of a breach
by a Relevant Buyer Party or its Affiliates), the exact amount of which would be
difficult to ascertain, and that the remedies at law for any such breach would
be inadequate. Accordingly, if any Relevant Seller Party or its Affiliates or
any Relevant Buyer Party or its Affiliates breaches this Section 2, Buyer and/or
Company (in the case of a breach by a Relevant Seller Party or its Affiliates)
or Parent and/or CMSI (in the case of a breach by a Relevant Buyer Party or its
Affiliates) shall be entitled to injunctive relief without posting bond or other
security and no other party hereto shall object thereto on the grounds that
money damages would be adequate; provided, however, that Buyer and/or Company,
or Parent and/or CMSI, as applicable, may elect, at its option, to seek damages
instead of injunctive relief by virtue of such breach.

            D. In the event that, despite the express agreement of Buyer,
Company, CMSI and Parent, any provision of this Section 2 shall be determined by
any court or other tribunal of competent jurisdiction to be unenforceable for
any reason whatsoever, the parties agree that this Section 2 shall be
interpreted to extend only over the maximum period of time for which it may be
enforceable, and/or over the maximum geographical areas as to which it may be
enforceable, and/or to the maximum extent in any and all other respects as to
which it may be enforceable, all as determined by such court or tribunal;
provided that the maximum period of time for which it may be enforceable, and/or
the maximum geographical areas as to which it may be enforceable, and/or the
maximum extent in any and all other respects as to which it may be enforceable
are identical as between the Relevant Seller Parties and the Relevant Buyer
Parties, mutatis mutandis.

      3.    Non-Solicitation.

            A. CMSI agrees, for a period of three (3) years from the Closing
Date, that CMSI shall not knowingly hire any officer or any employee directly
reporting to an officer of (i) Buyer, (ii) Company (from and after Closing) or
(iii) any of their respective Subsidiaries

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                                       4

<PAGE>

engaged in the DealerTrack Business to work in any other business, in each case,
except with express written consent of Buyer.

            B. Buyer agrees, for a period of three (3) years from the Closing
Date, that Buyer shall not knowingly hire any officer or any employee directly
reporting to an officer of CMSI or any of its Subsidiaries engaged in the CMSI
Business to work in any other business, in each case, except with express
written consent of CMSI.

            C. Parent and its Affiliates (other than CMSI) agree, for a period
of three (3) years from the Closing Date, that Parent and its Affiliates (other
than CMSI) shall not knowingly solicit any officer or any employee directly
reporting to an officer of Buyer, Company or any of their respective
Subsidiaries engaged in the DealerTrack Business to work in any other business,
in each case, except with express written consent of Buyer. For purposes of
clarification, the general solicitation of third parties through the use of
means generally available to the public, including, without limitation, the
placement of advertisements in the newspaper and postings on Internet job sites,
shall not be deemed to violate this clause.

      4.    Nondisclosure.

            A. At all times from and after the date hereof, each of CMSI and
Parent shall keep secret and retain in strictest confidence and shall not,
except with the express prior written consent of Buyer, directly or indirectly
disclose, communicate or divulge to any Person, or use for the benefit of any
Person, any confidential or proprietary information or material relating to
Buyer's or Company's operations or businesses which it may have learned as an
owner, shareholder, employee, officer or director of Company or in connection
with the negotiation of this Agreement. Confidential or proprietary information
or material includes, without limitation, the following types of information or
material regarding Buyer, its direct or indirect parents, Subsidiaries or
related companies: proprietary data processing systems and software; corporate
information, including contractual arrangements, plans, strategies, tactics,
policies, resolutions, patent, copyright, trademark, and tradename applications,
designs, technologies, inventions, know-how, and any litigation or negotiations;
marketing information and methods, including sales or product plans, products,
product lines, proposed products, pricing policies, fees, strategies, methods,
vendors, customers, customer lists, prospects, or market research data;
financial information, including cost and performance data, debt arrangements,
equity structures, investors and holdings; operational and scientific
information, including trade secrets, technical information, and personnel
information, including personnel lists, resumes, personnel data, terms of
employment agreements, organizational structure, and performance evaluations
(collectively, "Buyer Proprietary Information"). The restriction contained in
the preceding sentence shall not apply to any Buyer Proprietary Information to
the extent that (i) such information is or hereafter becomes generally available
to the public without a breach of this Agreement, (ii) disclosure is made to a
Governmental Entity where it is necessary or appropriate to disclose such
information to such Governmental Entity having jurisdiction over the relevant
party, or (iii) disclosure is otherwise required by Law, (iv) is lawfully
received by the disclosing party from a third party without restriction on
disclosure and without breach of a non-disclosure obligation or (v) is developed
independently by the disclosing party without the use of or reference to any
confidential information as evidenced by such party's written records created
contemporaneously with such development.

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                                       5

<PAGE>

            B. At all times from and after the date hereof, each of Buyer and
Company shall keep secret and retain in strictest confidence and shall not,
except with the express prior written consent of Parent, directly or indirectly
disclose, communicate or divulge to any Person, or use for the benefit of any
Person, any confidential or proprietary information or material relating to
CMSI's or Parent's operations or businesses which it may have learned as an
Affiliate of Parent or in connection with the negotiation of this Agreement.
Confidential or proprietary information or material includes, without
limitation, the following types of information or material regarding Parent,
Subsidiaries or related companies: proprietary data processing systems and
software; corporate information, including contractual arrangements, plans,
strategies, tactics, policies, resolutions, patent, copyright, trademark, and
tradename applications, designs, technologies, inventions, know-how, and any
litigation or negotiations; marketing information and methods, including sales
or product plans, products, product lines, proposed products, pricing policies,
fees, strategies, methods, vendors, customers, customer lists, prospects, or
market research data; financial information, including cost and performance
data, debt arrangements, equity structures, investors and holdings; operational
and scientific information, including trade secrets, technical information, and
personnel information, including personnel lists, resumes, personnel data, terms
of employment agreements, organizational structure, and performance evaluations
(collectively, "Parent Proprietary Information"). The restriction contained in
the preceding sentence shall not apply to any Parent Proprietary Information to
the extent that (i) such information is or hereafter becomes generally available
to the public without a breach of this Agreement, (ii) disclosure is made to a
Governmental Entity where it is necessary or appropriate to disclose such
information to such Governmental Entity having jurisdiction over the relevant
party, (iii) disclosure is otherwise required by Law, (iv) is lawfully received
by the disclosing party from a third party without restriction on disclosure and
without breach of a non-disclosure obligation or (v) is developed independently
by the disclosing party without the use of or reference to any confidential
information as evidenced by such party's written records created
contemporaneously with such development.

      5. Lender Access. In the event that during the Non-Competition Period,
Parent, CMSI or any of their respective Affiliates provides any CMSI Lender with
access to any Other Multi-Lender Automotive Finance Portal, Parent or CMSI, as
applicable, shall use commercially reasonable efforts to provide similar access
to the DealerTrack Business operated by Buyer or its Affiliates or any successor
in interest thereto on terms no less favorable. Without limiting the foregoing,
each of Parent, and CMSI agrees that, during the Non-Competition Period, neither
Parent, CMSI nor any of their Affiliates will initiate or otherwise facilitate
the connection of any part of the CMSI Business operated by CMSI and its
Affiliates or any successor in interest thereto to any Other Multi-Lender
Automotive Finance Portal; provided however, that CMSI and Parent and any of
their respective Affiliates shall be permitted to facilitate such a connection
if required by a CMSI Lender. In the event that, at any time during the
Non-Competition Period, a CMSI Lender requests that CMSI or Parent or any of
their respective Affiliates provide such Lender with access to the DealerTrack
Business operated by Buyer or its Affiliates or any successor in interest
thereto, CMSI or Parent or such Affiliates, as applicable, shall provide such
access at a rate not in excess of its then-current rates.

      6. Notices. All notices and other communications provided for herein shall
be in writing and shall be deemed to have been duly given when delivered
personally or sent by telex or telecopy or three (3) business days after being
mailed by registered or certified mail, return

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                                       6

<PAGE>

receipt requested, postage prepaid, to the party to whom it is directed or one
(1) business day after being sent via a nationally recognized courier service
for next business day delivery, to the party to whom it is directed:

                   If to the Buyer or Company, to:

                   DealerTrack Holdings, Inc.
                   105 Maxess Road
                   Suite N109
                   Melville, NY 11747
                   Attention: Eric Jacobs, Esq.
                   Facsimile: (631)486-1602

                   with a copy (which shall not constitute notice) to:

                   O'Melveny & Myers LLP
                   30 Rockefeller Plaza, 27th Floor
                   New York, NY 10112
                   Attention: Charles F. Niemeth, Esq.
                   Facsimile: (212) 326-2061

                   If to CMSI,to:

                   The First American Corporation
                   One First American Way
                   Santa Ana, California 92707
                   Attention: Parker Kennedy
                              Kenneth DeGiorgio
                   Facsimile: (714) 800-3325

                   with a copy to each of (which shall not constitute notice):

                   Credit Management Stations, Inc.
                   135 National Business Parkway
                   Anapolis Junction, Maryland 20701
                   Attention: Howard Tischler
                   Facsimile: (240) 465-0470

                   and

                   White & Case LLP
                   633 West Fifth Street, Suite 1900
                   Los Angeles, California 90071
                   Attention: Neil W. Rust
                   Facsimile: 213-687-0758

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                                       7

<PAGE>

                        If to Parent, to:

                        The First American Corporation
                        One First American Way
                        Santa Ana, California 92707
                        Attention: Parker Kennedy
                                   Kenneth DeGiorgio
                        Facsimile: (714) 800-3325

                        with a copy (which shall not constitute notice) to:

                        White & Case LLP
                        633 West Fifth Street, Suite 1900
                        Los Angeles, California 90071
                        Attention: Neil W. Rust
                        Facsimile: 213-687-0758

                        or for any party, at such other address as such party
                        shall have specified in writing to each of the others in
                        accordance with this Section

      7. Counterparts. This Agreement may be executed in any number of
counterparts, each of which shall be deemed an original, but such counterparts
together shall constitute one and the same instrument.

      8. Section Headings. The section headings of this Agreement are for
convenience of reference only and shall not be deemed to limit or affect any of
the provisions hereof.

      9. Amendments; No Waivers.

            (A)   Any provision of this Agreement may be waived or amended if,
                  and only if, such amendment or waiver is in writing and signed
                  by all of the parties.

            (B)   No failure by any party hereto to insist upon the strict
                  performance of any covenant, duty, agreement or condition of
                  this Agreement, or to exercise any right or remedy consequent
                  upon a breach hereof, shall constitute a waiver of any such
                  breach or any other covenant, duty, agreement or condition
                  hereof.

      10. Entire Agreement; No Assignment. This Agreement (a) constitutes the
entire Agreement and understandings of the parties hereto and supersedes all
prior agreements and understandings, both written and oral, among the parties
hereto with respect to the subject matter hereof, (b) is not intended to confer
upon any other Person any rights or remedies hereunder, and (c) shall not be
assigned, by operation of Law or otherwise.

      11. Governing Law. This Agreement shall be governed by and construed in
accordance with the Laws of the State of New York (without regard to the choice
of law provisions thereof).

                                                                       EXECUTION

                                       8

<PAGE>

      12. Severability. Without limiting Section 2D hereof, if it is determined
by a court of competent jurisdiction that any provision of this Agreement is
invalid under applicable law, such provision shall be ineffective only to the
extent of such invalidity, without invalidating the remainder of this Agreement;
provided, however, that in the event either Section 2A hereof or Section 2B
hereof is determined by a court of competent jurisdiction to be invalid under
applicable law, Section 2B hereof or Section 2A hereof, respectively, shall
terminate and be of no further force and effect.

      13. JURISDICTION. EACH PARTY HEREBY IRREVOCABLY SUBMITS TO AND ACCEPTS FOR
ITSELF AND ITS PROPERTIES, GENERALLY AND UNCONDITIONALLY, THE NON-EXCLUSIVE
JURISDICTION OF AND SERVICE OF PROCESS PURSUANT TO THE LAWS OF THE STATE OF NEW
YORK AND THE RULES OF ITS COURTS, WAIVES ANY DEFENSE OF FORUM NON CONVENIENS AND
AGREES TO BE BOUND BY ANY JUDGMENT RENDERED THEREBY ARISING UNDER OR OUT OF IN
RESPECT OF OR IN CONNECTION WITH THIS AGREEMENT OR ANY RELATED DOCUMENT OR
OBLIGATION. EACH PARTY FURTHER IRREVOCABLY DESIGNATES AND APPOINTS THE
INDIVIDUAL IDENTIFIED IN OR PURSUANT TO SECTION 6 HEREOF TO RECEIVE NOTICES ON
ITS BEHALF, AS ITS AGENT TO RECEIVE ON ITS BEHALF SERVICE OF ALL PROCESS IN ANY
SUCH ACTION BEFORE ANY BODY, SUCH SERVICE BEING HEREBY ACKNOWLEDGED TO BE
EFFECTIVE AND BINDING SERVICE IN EVERY RESPECT. A COPY OF ANY SUCH PROCESS SO
SERVED SHALL BE MAILED BY REGISTERED MAIL TO EACH PARTY AT ITS ADDRESS PROVIDED
IN SECTION 6 THAT SUCH SERVICE SHALL BE EFFECTIVE AND BINDING IN EVERY RESPECT.
NOTHING HEREIN SHALL AFFECT THE RIGHT TO SERVE PROCESS IN ANY OTHER MANNER
PERMITTED BY LAW OR SHALL LIMIT THE RIGHT OF ANY PARTY TO BRING ANY ACTION OR
PROCEEDING AGAINST THE OTHER PARTY IN ANY OTHER JURISDICTION.

      14. Attorneys Fees. In the event of any proceeding arising out of or
related to this Agreement, the prevailing party shall be entitled to recover
from the losing party all of its costs and expenses incurred in connection with
such proceeding, including court costs and reasonable attorneys' fees, whether
or not such proceeding is prosecuted to judgment.

                                                                       EXECUTION

                                       9

<PAGE>

      IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed as of the date first above written:

                                       DEALERTRACK HOLDINGS, INC.

                                       By: _____________________________________

                                       FIRST AMERICAN CREDIT MANAGEMENT
                                       SOLUTIONS, INC.

                                       By: _____________________________________

                                       THE FIRST AMERICAN CORPORATION

                                       By: _____________________________________

                                       CREDIT ONLINE, INC.

                                       By: _____________________________________

                                                                       EXECUTION

                                      S-1

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