Document:

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INFORMATION FOR WHICH CONFIDENTIAL TREATMENT HAS BEEN REQUESTED PURSUANT TO
RULE 406 OF THE SECURITIES ACT OF 1933, AS AMENDED, IS OMITTED AND IS NOTED
WITH **.  A COPY OF THIS AGREEMENT, INCLUDING ALL INFORMATION FOR WHICH
CONFIDENTIAL TREATMENT HAS BEEN REQUESTED HAS BEEN FILED SEPARATELY WITH THE
SECURITIES AND EXCHANGE COMMISSION.

                                                                    EXHIBIT 10.8

                                MASTER AGREEMENT

                                       FOR

                 MARKETING, OPERATIONAL AND COOPERATIVE SERVICES

THIS AGREEMENT ("Agreement") for the performance of Marketing, Operational and
Cooperative Services is executed and made effective as of November 27, 2001 (the
"Effective Date"), among EQUIFAX CONSUMER SERVICES, INC., a Georgia corporation
with a primary place of business at 1550 Peachtree Street NW, Atlanta, GA
30335("Equifax"), and INTERSECTIONS INC., a Delaware corporation with a primary
place of business at 14930 Bogle Drive, Chantilly, VA 20151, and CREDITCOMM
SERVICES LLC, a Delaware limited liability company with a primary place of
business at 14930 Bogle Drive, Chantilly, VA 20151 (Unless the context otherwise
requires, Intersections Inc. and CreditComm Services LLC are referred to herein
collectively as "Intersections").

WHEREAS, Intersections is engaged, among other things, in the business of
promoting, selling and providing consumer privacy and fraud prevention products
and services, including credit monitoring, notification, credit analysis, theft
of identity insurance, fraud consulting and related services; and

WHEREAS, Equifax is a consumer credit information company that maintains
databases of consumer credit information and provides such data and related
services to businesses and consumers; and

WHEREAS, pursuant to a certain Note Purchase Agreement dated as of November,
_____, 2001 among Intersections and CreditComm, as the issuers, and CD Holdings
Inc., an Affiliate of Equifax, as the Purchaser, (the "Investment Agreement"),
Equifax is concurrent with this agreement, loaning certain funds to
Intersections; and

WHEREAS, to further develop their relationship, the parties desire to provide to
each other certain marketing and operational support, and to collaborate in
exploring certain cooperative opportunities as described herein, and to perform
and assume the functions, responsibilities and tasks associated with such
marketing and operational support services.

NOW, THEREFORE, in consideration of the mutual promises contained herein and
other good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, the parties hereto agree as follows:

1.       DEFINITIONS.

         1.1.     Capitalized terms not defined herein shall have the meanings
         set forth on Exhibit A hereto.

2.       AGREEMENT TO PROVIDE SERVICES.

         2.1.     Intersections shall, subject to the terms and provisions of
         this Agreement, provide Equifax with (i) Credit Watch (Offline)
         Services as described on Exhibit B, and Credit Watch On-line Ordering
         Services as described in Exhibit B-1 and (ii) such other services

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         as the Parties may from time to time mutually agree upon pursuant to
         Sections 5 or 6 hereof (collectively, the "Intersections Services").

         2.2.     Equifax shall, subject to the terms and provisions of this
         Agreement, provide Intersections with (i) Online Ordering for
         Tri-Bureau Reports Services as described on Exhibit C and (ii) such
         other specific services as the Parties may from time to time mutually
         agree upon pursuant to Sections 5 or 6 hereof (collectively, the
         "Equifax Services").

3.       PERFORMANCE AND RESOURCES

         3.1.     Each Party agrees that its respective performance of the
         Services, or any other obligation under this Agreement, shall at a
         minimum (a) be performed for the other Party in a diligent, workmanlike
         manner in accordance with generally accepted, industry standards
         applicable to the performance of such Services, and (b) shall meet or
         exceed each of the applicable Performance Standards set forth in the
         Exhibit applicable to such Service, subject to any limitations, and in
         accordance with the provisions of this Agreement.

         3.2.     Except as otherwise provided in the Agreement, Equifax and
         Intersections, respectively shall each provide and administer, manage,
         support, maintain and pay for all resources (including, without
         limitation, personnel, hardware, software, facilities, services and
         other items, however described) necessary or appropriate to provide,
         perform and deliver the Equifax Services or the Intersections Services,
         respectively, or in performing any other obligation as described in the
         Agreement.

         3.3.     Each Party represents and warrants that it has, and during the
         Term will have, and each of the employees and subcontractors that it
         will use to provide and perform the Services has, and during the Term
         will have, the necessary knowledge, skills, experience, qualifications,
         rights and resources to provide and perform the Services in accordance
         with the Agreement.

         3.4.     Each Party will have the right to change the location of the
         activities associated with any Services with the prior written consent
         of the other Party which consent shall not be unreasonably withheld.

         3.5.     The Parties covenant to timely and diligently cooperate to
         effect the goals, objectives and purposes of the Agreement and to
         facilitate the performance of their respective duties and obligations
         under the Agreement in a commercially reasonable manner. Further, the
         Parties agree to deal and negotiate with each other and their
         respective Affiliates in good faith in the execution and implementation
         of their duties and obligations under the Agreement. However, nothing
         in this Agreement or Exhibit shall be construed as creating a
         relationship in which either Party is the fiduciary of the other.

         3.6.     During the term of this Agreement, Equifax and Intersections
         will permit employees and agents of the other reasonable access to its
         premises if reasonably necessary for the Party to perform the Services
         or otherwise perform under this Agreement. While on the premises of the
         other, the employees and agents of the visiting Party shall abide by
         the

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         rules and regulations of the hosting Party. The visiting Party shall
         indemnify, defend and hold the hosting Party harmless from and against
         any and all damages, losses, costs and expenses suffered or incurred by
         reason of damage to person or property caused by the gross negligence
         or willful misconduct of its employees or agents while on the premises
         of the hosting Party.

4.       CUSTOMER SERVICE

         4.1.     For each Service, the Parties shall agree as to (i) the
         elements of customer service to be provided, (ii) which party shall
         provide the same, and (iii) the performance standards that shall apply
         to such Customer Service. Such agreement shall be specified on the
         applicable Exhibit.

5.       CHANGES OR ADDITIONS TO SERVICES

         5.1.     Changes to Services. In the event that either Party wishes to
         change the scope of a Service currently being provided, the requesting
         Party's Project Executive or his or her designee shall submit a written
         proposal to the other Party's Project Executive describing such desired
         change or such additional Service. Such Party's Project Executive shall
         review the proposal and reject or accept the proposal in writing within
         a reasonable period of time, but in any event within thirty (30) days
         after receipt of the proposal. The Project Executive may also request
         that the Integrated Planning Team review the proposal within the
         thirty-day (30) period and provide it with such additional information
         as it requests. In the event that the proposal is rejected, the writing
         shall include the reason for rejection. In the event that the proposal
         is accepted, the parties shall mutually agree to terms of such change
         and memorialize such by amending the applicable Exhibit pursuant to
         Section 23 as applicable.

         5.2.     Additional Services. In the event that either Party wishes to
         request that the other provide a service not currently provided
         pursuant to this Agreement, such requesting Party's Project Executive
         or his or her designee shall submit a written proposal to the other
         Party's Project Executive and such proposal shall be considered
         pursuant to the process and time frames set forth in subparagraph 5.1.
         above. Any new Services to be performed pursuant to this Agreement
         shall be memorialized in writing by the Parties by entering into an
         Exhibit to this Agreement in substantially the form of Exhibit D-4.

6.       AGREEMENT REGARDING CERTAIN COOPERATIVE OPPORTUNITIES

         6.1.     Cooperative Opportunities. Equifax and Intersections shall
         cooperate in exploring the efficiency of pursuing the opportunities set
         forth on Exhibits D (New Product Development Cooperation); D-1
         (Extension Product Development); D-2 (Product Convergence Cooperation);
         and D-3 (Marketing Channels Cooperation) (collectively the "Cooperative
         Opportunities").

                  6.1.1.   Commitment to Investigate. Each Party shall dedicate
                        an appropriate level of resources (as determined by the
                        respective Party, in its sole discretion) to investigate
                        the desirability of pursuing the Cooperative
                        Opportunities and may assign the Integrated Planning
                        Team to this function. The Parties shall (i) pursue

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                  each of the Cooperative Opportunities in the priorities
                  indicated by the "Commence Activity dates and the "Reach Go or
                  No-Go Decision" dates ("Decision Dates") set forth on Exhibits
                  D, D-1, D-2, and D-3, (ii) by the indicated Decision Dates
                  decide whether to terminate such project or continue to pursue
                  such project, (iii) if the decision is to continue to pursue
                  such project, jointly agree to the respective commitments of
                  each Party in a writing which will be added to this Agreement
                  as an Exhibit in substantially the form of Exhibit D-4, which
                  at a minimum shall include the following: (a) a description of
                  the service or product to be provided, (b) a description of
                  the obligations of each Party, (c) a determination of
                  ownership of the product or service, (d) how User Information
                  is to be treated, (e) a determination of the ownership of
                  customers relating to the Service, (f) a determination of the
                  applicability of privacy policies, (g) a license of any Marks
                  (h) a determination of ownership of any intellectual property
                  related to the Service and specifies any usage rights (i) how
                  costs incurred and revenues are to be allocated between the
                  Parties, (j) timetable for implementation, and (k) any other
                  specific requirements or additional terms applicable to the
                  Service and agreed to by the Parities.

         6.2.     No Other Obligation. Equifax and Intersections each
         acknowledge and agree that (i) nothing contained in this Section 6 or
         elsewhere in this Agreement obligates either Party to pursue any
         Cooperative Opportunity beyond the specific limited obligations of
         Section 6.1.1 and none is to be implied from any provision of this
         Agreement; (ii) either Party may decide not to pursue any of the
         Cooperative Opportunities; (iii) neither Party is obligated to enter
         into any Exhibit or other Agreement with respect to any Cooperative
         Opportunity and may in its absolute sole discretion choose not to; and
         (iv) no obligation regarding any Cooperative Opportunity beyond those
         specifically set forth in Section 6.1.1 exists and shall not exist
         unless and until the Parties enter into a separate additional Exhibit
         or other Agreement in writing executed by both Parties setting forth
         such additional obligations with respect to such Cooperative
         Opportunity.

         6.3.     Intersections' Business. Each of the Parties acknowledges and
         agrees that the business as presently conducted by Intersections
         presently includes the products, services and processes constituting
         the Cooperative Opportunities identified on Exhibits D (New Product
         Development Cooperation); D-2 (Product Convergence Cooperation); and
         D-3 (Marketing Channels Cooperation).

          6.3.1   Excluded Business. Each of the Parties acknowledges and agrees
                  that the business as presently conducted by Intersections does
                  not presently include the products and services constituting
                  Cooperative Opportunities identified on Exhibit D-1 (Extension
                  Product Development), and that the same do not, nor shall they
                  be construed to constitute, an agreed expansion of the
                  business as presently conducted by Intersections. If, and only
                  if, (i) Equifax agrees that it and Intersections shall pursue
                  any such Cooperative Opportunity and (ii) the Parties execute
                  any required exhibit or other written agreement indicating
                  their mutual agreement regarding such Cooperative Opportunity,
                  shall the business of Intersections include, or be deemed to
                  include, any such Cooperative Opportunity.

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         6.4      Limitations. Notwithstanding any other provision of this
         Agreement, Intersections agrees that if the Parties do not agree to
         mutually pursue a Cooperative Opportunity identified in Group B of
         Exhibit D (New Product Development Cooperation), or in Exhibit D-1
         (Extension Product Development), Intersections shall not pursue such
         opportunity without Equifax unless Equifax has given its consent in
         writing to Intersections so pursuing such opportunity; provided,
         however, that Intersections may pursue an opportunity included in Group
         B of Exhibit D if it first presents to Equifax a written confirmation
         (in a form reasonably satisfactory to Equifax) signed by a non-consumer
         business customer requesting such product.

7.       AGREEMENT REGARDING EQUIFAX CREDIT INFORMATION

         7.1.     Intersections shall use Equifax Credit Information as the sole
         component of all of its existing and future one-bureau products that
         require credit information, subject to the provisions of the Data
         Agreement and the Credit Monitoring Agreement. In addition,
         Intersections shall utilize Equifax Credit Information as one of the
         two bureaus used in any of its dual bureau products, and as one of the
         three bureaus used in any tri-bureau products requiring credit
         information unless an Intersections client makes a specific request not
         to include Equifax.

         7.2.     Simultaneously with entering into this Agreement,
         Intersections and Equifax (or an Equifax Affiliate, shall enter into an
         amendment to Agreement - Consumer Disclosure Service (the "Data
         Agreement") in the form attached hereto as Exhibit E providing for
         certain changes in the terms upon which Intersections receives Equifax
         Credit Information.

         7.3.     Simultaneously with entering into this Agreement,
         Intersections and Equifax (or an Equifax Affiliate) shall enter into an
         agreement in a form substantially similar to that attached hereto as
         Exhibit F (the "Credit Monitoring Agreement") pursuant to which Equifax
         shall provide to Intersections Credit Monitoring Services, i.e., a
         process whereby Equifax (or an Equifax Affiliate) monitors the credit
         file of Intersections' customers and reports to Intersections specific
         changes to the files which Intersections will then report to the
         customer as a component of its monitoring products.

         7.4.     Intersections shall use its best efforts to transition all of
         its existing one bureau and dual bureau reports products to use Equifax
         Credit Information as its underlying component, not later than one
         hundred and eighty (180) days after the Effective Date.

         7.5.     Intersections will on a monthly basis report to Equifax the
         number of its one bureau and dual bureau report customers who have been
         converted to Equifax and the number still to be converted.

         7.6.     Equifax will cooperate with Intersections in its transition
         efforts including providing such reasonable assistance that
         Intersections may request (subject to any legal or contractual
         obligations restraining Equifax's actions).

8.       AGREEMENT REGARDING EQUIFAX AUTHENTICATION SERVICES.

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         8.1.     Intersections shall use Equifax eIDverifier(TM) authentication
         services as its exclusive online authentication service for all
         websites maintained by it for the purpose of selling products, except
         that Intersections may continue to utilize another service to
         authenticate for the existing clients shown on Exhibit G.

9.       AGREEMENT REGARDING WEBSITE HOSTING.

         9.1.     Simultaneously with entering into this Agreement,
         Intersections and Equifax shall enter into a hosting agreement in a
         form substantially similar to that attached hereto as Exhibit H whereby
         Equifax shall provide webpage hosting services to Intersections on the
         terms and for the fees set forth in such agreement.

10.      FEES AND PAYMENT.

         10.1.    Fees. Intersections shall pay Equifax for all the Equifax
         Services as described on the applicable Exhibits, and Equifax shall pay
         Intersections for all the Intersections Services as described on the
         applicable Exhibits, at the rates specified on each such Exhibit. In
         addition, each Party shall pay to the other (i) any costs incurred by a
         Party specifically required to be reimbursed/paid by the other Party,
         (ii) any revenue share amount specified in this Agreement, and (iii)
         any other amount agreed to by the parties to be paid.

         10.2.    Payments. The Parties shall render invoices monthly, as
         applicable. All invoices submitted by either Party are due and payable
         within thirty (30) days of the receipt of the invoice, subject to the
         right of the Party receiving the invoice to withhold payment in the
         event of a good faith dispute pursuant to Section 10.4. Late payments
         shall accrue interest from the invoice date at the lesser of (i)
         one-and-one-half percent (1 1/2%) per month and (ii) the highest rate
         allowed by law. Subject to Section 10.4, if either Party fails to pay
         any invoice within thirty (30) days after receipt of the invoice date,
         and thereafter fails to make such payment within fifteen (15) days
         after written notice from the invoicing Party of such failure, the
         invoicing Party may, in addition to any other remedies available to it
         under this Agreement, suspend performance of Services.

         10.3.    Credits. With respect to any amounts to be paid or reimbursed
         by one Party to the other pursuant to this Agreement for any month, a
         Party may, at its option, pay that amount to the other Party by giving
         the other Party a credit against amounts otherwise payable. Any such
         credit shall be clearly reflected on the invoice(s) submitted to the
         other party for such month.

         10.4.    Remittances. Where any Service requires a Party to collect
         funds on behalf of such other Party, the collecting Party shall (i)
         duly collect all funds as agreed for the other Party, (ii) maintain
         reasonable and customary accounting records showing the amounts
         collected, any refunds or incomplete payments process, and (iii) pay
         such amounts to the other Party in accordance with the timetable to be
         agreed upon by the Parties and include with such payment a detailed
         accounting with such payment.

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                  10.4.1   Remittances that are paid to a Party late shall be
                  subject to the interest rate set forth in Section 10.2 above,
                  which the collecting Party shall also pay to the represented
                  Party when remitting such collected funds.

         10.5.    Disputed Amounts. If a Party, in good faith, disputes any
         amounts regarding the Services, or any other obligation under this
         Agreement, such Party may withhold any such disputed amounts from any
         amounts owed to the other Party pursuant to this Agreement, if the
         problem giving rise to the dispute has not been resolved to the Party's
         reasonable satisfaction by the time payment on such invoice is due. In
         accordance with the resolution of the dispute, the Party shall pay to
         the Party owed the amounts agreed upon to be paid pursuant to such
         resolution. Regardless of any dispute, a Party shall remit to the other
         the invoiced amount minus the disputed amount.

         10.6.    Taxes. Unless otherwise stated in an applicable Exhibit, the
         costs and fees payable under such Exhibit shall be exclusive of any and
         all sales, use, ad valorem, value added or similar taxes.

         10.7.    Additional Taxes. If an additional sales, use, privilege,
         value added, excise, services or similar tax is assessed on the
         provision of any of the Services, or any Deliverable relating to a
         Service, however levied or assessed, the Party receiving the Service
         shall be responsible for and pay the amount of any such tax. The Party
         rendering the Service will add to any charges hereunder to which such
         taxes apply, amounts equal to any such taxes, however designated or
         levied, based upon such charges, or upon this Agreement or any Services
         or items provided hereunder, or their use, and any such taxes or
         amounts in lieu thereof shall be paid by the other Party in respect of
         the foregoing. Invoices shall identify those Services that are subject
         to tax.

         10.8.    Cooperation. The parties shall cooperate reasonably with each
         other to determine accurately each Party's tax liability and to
         minimize such liability to the extent legally permissible. To
         substantiate any claimed exemptions, the Party claiming the exemption
         shall supply to the other the appropriate exemption or resale
         certificates.

         10.9.    Method of Payment. Unless otherwise stated in the applicable
         Exhibit or otherwise agreed to by the parties, all amounts payable by
         the parties for the services rendered by the other pursuant to this
         Agreement shall be remitted in United States dollars in the form of a
         wire transfer.

11.      MANAGEMENT AND REPORTS

         11.1.    Integrated Planning Team. The Parties shall form and
         participate in an Integrated Planning Team composed of three
         representatives from each company for the following purposes: (i) to
         provide leadership and direction for the relationship over the Term of
         the Agreement; (ii) to perform the activities described in Section 6
         regarding the Cooperative Opportunities, (iii) to participate in the
         Dispute Resolution Process pursuant to Section 21, and (iv) to report
         to Intersections and Equifax regarding each of the foregoing areas.

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                  11.1.1.  The Integrated Planning Team shall meet periodically,
                        as shall be mutually agreed, to discuss issues that
                        arise in the performance of any Service or any other
                        obligation under this Agreement.

         11.2.    Project Executives and Managers. Prior to the Effective Date,
         Intersections and Equifax will each designate a Project Executive to
         whom all communications regarding the Parties' relationship under this
         Agreement may be addressed and who has the authority to act for the
         appointing Party and its subcontractors in connection with all aspects
         of this Agreement.

         11.3.    Reports. Equifax and Intersections shall agree on the form of
         reports that shall be provided with respect to the Equifax Services and
         the Intersections Services and unless the parties otherwise agree, such
         reports shall be described on each Exhibit with respect to the Service,
         or obligation, to which it relates. In general, each Party will provide
         reports to the other that reflect in detail (i) the quantities of
         Services provided, (ii) revenues and cost associated therewith, and
         (iii) evidence of compliance with any applicable performance criteria
         or service level.

         11.4.    Use of Subcontractors. Each Party may engage subcontractors to
         perform and deliver any part or portion of the Services. Each Party
         shall remain primarily liable and obligated to the other Party for the
         timely and proper performance of all of its obligations hereunder even
         if such obligations are delegated to third-party subcontractors, and
         for the proper and timely performance and actions of any person or
         entity to which it delegates or subcontracts any such obligation.

12.      OWNERSHIP OF WORK PRODUCT, TRADENAMES, AND TRADEMARKS

         12.1.    Ownership of Services. Except as otherwise provided herein or
         in an Exhibit, or unless the Parties otherwise agree in writing, and
         except for Confidential Information (which shall exclusively be
         governed by Section 13) Equifax and Intersections, each acknowledges
         and agrees that (i) each shall be the sole and exclusive owner of all
         Intellectual Property relating to the Equifax Services, and the
         Intersections Services, respectively. and (i) Marks (x) owned by the
         Party as of the Effective Date, (y) created by it after the Effective
         Date, or (z) assigned to it pursuant to Section 12.8,

                  12.1.1.  No Transfer of Ownership. Nothing in this Agreement
                        is intended to transfer any ownership rights to any
                        Intellectual Property or Mark from one Party to another.
                        Title to and ownership of a Party's Intellectual
                        Property or Marks shall remain with the Party. Each
                        Party hereby acknowledges and agrees that it will not
                        use or apply to register any Intellectual Property
                        owned, or Mark used by the other Party, whether
                        registered or unregistered, or any other name, mark,
                        designation, logo, device or design similar to any Mark
                        of the other, except on Services and Deliverables
                        provided or produced for the other Party pursuant to
                        this Agreement and in accordance with the provisions of
                        this Agreement.

                  12.1.2.  No Challenge to Ownership. Neither Equifax nor
                        Intersections will challenge the validity or ownership
                        of any Intellectual Property or Marks provided or

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                  originated by the other, nor assert any adverse claims of
                  ownership thereof, and each Party agrees that it will execute
                  and deliver to the other any and all documents necessary to
                  confirm the first Party's ownership rights therein

         12.2.    Ownership of Materials. The Parties shall agree with respect
         to any Program Communications and Work Products to be produced pursuant
         to this Agreement, which Party shall have and retain ownership and the
         Intellectual Property rights (the nature and extent of such rights) in
         any such Program Communications and Work Products that are created,
         prepared or produced in connection with this Agreement and all such
         Program Communications and Work Product shall remain the property of
         the designated Party.

                  12.2.1.  Any Program Communications and Work Products created,
                        prepared and produced jointly shall vest jointly, unless
                        the Parties otherwise agree in writing.

                  12.2.2.  Notwithstanding Section 12.2.1, unless the Parties
                        otherwise agree in writing, any artwork, text, copy,
                        materials or original concepts of any kind that either
                        Party provides to the other ("Artwork"), whether for the
                        purpose of inclusion or use in the creation of the
                        Program Communications or Work Product or for any other
                        purpose, shall remain the exclusive property of the
                        providing Party, and Marks provided therein shall remain
                        the exclusive property of such Party. Each Party agrees
                        with respect to such Artwork and Marks, (i) that
                        consistent with the other Party may use any of its
                        Artwork or Marks incorporated into jointly produced and
                        owned Program Communications and Work Products as the
                        Parties have agreed such Party may use such Program
                        Communications and Work Products, (ii) a Party shall not
                        use the other Party's Artwork or Marks other than in
                        accordance with the terms of this Agreement, provided,
                        however, that Equifax understands that Intersections
                        works with credit grantors on marketing programs and
                        that certain materials developed for Equifax may be
                        adaptations of materials successfully used with such
                        other such programs, and materials developed for Equifax
                        may be adapted to such other programs.

         12.3.    Trademark Licenses. A Party may by including the specific
         terms of such license in an Exhibit relating to a Service grant to the
         other a non-exclusive license to use such of its Marks as it provides
         to the other: (a) with respect to the Services to be performed pursuant
         to such Exhibit and with respect to any Deliverables related thereto,
         (b) on the Party's webpages in links to the other's websites in
         connection with advertising such Services, (c) with respect to any
         Cooperative Opportunity, as the Party's shall agree in writing pursuant
         to Section 6, and (d) in any other manner approved in writing by the
         owner of the Marks in connection with this Agreement.

                  12.3.1.  Limitations. The licensee will use the Marks (i)
                        exactly in the form provided and in conformance with any
                        trademark usage policies or other directions provided to
                        such Party by the owner of the Marks, and (ii) only in
                        the United States of America and Canada. The licensee
                        will not take any action inconsistent with the owner's
                        ownership of the Marks, and any benefits accruing from
                        use of such Marks will automatically vest in the owner
                        of the Marks. The licensee will not form any combination
                        marks with the other Party's Marks.

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                  12.3.2.  Product Identification and Labeling. The Parties will
                        agree as to each Service (including any related
                        Deliverables) to be provided hereunder, which Party's
                        Marks will apply to such Service. Where it is determined
                        that a Party's Marks shall be applied to a particular
                        Service, the same shall be indicated in the Exhibit
                        relating to that Service or otherwise in writing and the
                        terms of this Section 12 shall apply.

                  12.3.3.  Termination of License. A Party may terminate any
                        trademark license granted in accordance with this
                        Section 12.3 with respect to one or more of its Marks,
                        if, in its sole discretion, the licensee's use of the
                        Marks tarnishes, blurs or dilutes the quality associated
                        with any of the Marks or the associated goodwill and
                        such problem is not cured within ten (10) days after
                        receipt of written notice of such complaint.
                        Alternatively, instead of terminating the license in
                        total, the owner may specify that the other Party may
                        utilize the Marks in a different manner, or, with
                        respect to Internet usage, that certain pages of the
                        licensee's website may not contain the Marks.

         12.4.    New Marks. In the event that pursuant to this Agreement, the
         Parties agree to produce a new trade name or trademark to be associated
         with a new product or service, the Parties shall in the Exhibit or
         other writing memorizing the agreement regarding such new product or
         service, indicate which Party shall have ownership of any such trade
         names, trademarks, service marks or other associated intellectual
         property.

         12.5.    Sublicensing Limits. No license rights granted pursuant to
         this Agreement are sublicenseable. Notwithstanding the foregoing,
         either Party may use third-party web hosts or web integrators, but all
         actions or failures to act of the web hosts or web integrators, as the
         case may be, that would be a breach of this Agreement, were the actions
         or failures to act taken by the applicable Party, will be deemed a
         breach of this Agreement.

         12.6.    No Other Licenses. Except as specifically provided herein or
         in any Exhibit, neither Party grants to the other any right or license,
         express or implied, in the other's intellectual property or Marks.

         12.7.    Survival. The provisions of this Section shall survive the
         expiration or termination of this Agreement for any reason whatsoever,
         and shall remain in full force and effect thereafter.

13.      CONFIDENTIAL INFORMATION

         13.1.    Definition of Confidential Information. Each Party agrees that
         all information supplied by one Party and its Affiliates and agents
         (collectively, the "Disclosing Party") to the other ("Receiving Party")
         including, without limitation, (i) source code, prices, databases,
         hardware, software, programs, engine protocols, models, displays and
         manuals, product plans and specifications, including, without
         limitation, the selection, coordination, and arrangement of the
         contents of such materials and (ii) any unpublished information
         concerning research activities and plans, marketing or sales plans,
         pricing or pricing strategies, operational techniques, strategic plans,
         User Information, and unpublished financial information, including
         information concerning revenues, profits and

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         profit margins will be deemed confidential and proprietary to the
         Disclosing Party, regardless of whether such information was disclosed
         intentionally or unintentionally or marked as "confidential" or
         "proprietary" ("Confidential Information").

         13.2.    Exclusions. Confidential Information will not include any
         information or material, or any element thereof, to the extent any such
         information or material, or any element thereof:

                  13.2.1.  has been previously published or is published
                        hereafter, unless such publication is a breach of this
                        Agreement or a similar non-disclosure agreement;

                  13.2.2.  was already known to the Receiving Party prior to
                        being disclosed by or obtained from the Disclosing Party
                        as evidenced by written records kept in the ordinary
                        course of business of or by proof of actual use by the
                        Receiving Party;

                  13.2.3.  has been or is hereafter rightfully received by the
                        Receiving Party from a third person (other than the
                        Disclosing Party) without restriction on disclosure and
                        without breach of this Agreement; or

                  13.2.4.  has been independently developed by the Receiving
                        Party.

         13.3.    Presumption. It will be presumed that any Confidential
         Information in a Receiving Party's possession is not within exceptions
         in subsections 13.2.2, 13.2.3, or 13.2.4 above, and the burden will be
         upon the Receiving Party to prove otherwise by records and
         documentation.

         13.4.    Treatment of Confidential Information. Each Party recognizes
         the importance of the other's Confidential Information. In particular,
         each Party recognizes and agrees that the Confidential Information of
         the other is critical to their respective businesses and that neither
         Party would enter into this Agreement without assurance that such
         information and the value thereof will be protected as provided in this
         Section 13.4 and elsewhere in this Agreement. Accordingly, each Party
         agrees as follows:

                  13.4.1.  The Receiving Party will hold any and all
                        Confidential Information it obtains in strictest
                        confidence and will use and permit use of Confidential
                        Information solely for the purposes of this Agreement;

                  13.4.2.  The Receiving Party may disclose or provide access to
                        its responsible employees and/or Affiliates who have a
                        need to know and may make copies, of Confidential
                        Information only to the extent reasonably necessary to
                        carry out its obligations hereunder;

                  13.4.3.  The Receiving Party currently has, and in the future
                        will maintain in effect and enforce, rules and policies
                        to protect against access to or use or disclosure of
                        Confidential Information other than in accordance with
                        this Agreement, including without limitation written
                        instructions to and agreements with employees and agents
                        to ensure that such employees and agents protect the
                        confidentiality of Confidential Information. The
                        Receiving Party expressly will instruct its employees
                        and agents not to use or to disclose Confidential
                        Information to third

                                      -11-
<PAGE>

                        parties, including without limitation customers,
                        subcontractors or consultants, except in accordance with
                        the terms of this Agreement unless the Disclosing Party
                        has given its prior written consent to such disclosure;

                  13.4.4.  Each Party, at its own expense, will take all steps,
                        including, without limitation the initiation and
                        prosecution of actions at law or in equity, necessary or
                        appropriate to prevent use or disclosure, and upon any
                        unauthorized disclosure further unauthorized disclosure
                        or use, of any Confidential Information received or
                        obtained by it except as expressly permitted by the
                        terms of this Agreement;

                  13.4.5.  Except as otherwise provided in this Agreement,
                        neither Party will copy (other than regular backup
                        copies), modify, disassemble, reverse engineer or
                        decompile any of the other's Confidential Information,
                        including, its intellectual property;

                  13.4.6.  Neither Party will make any use whatsoever at any
                        time of the other's Confidential Information except as
                        expressly authorized in this Agreement; and

                  13.4.7.  The Receiving Party will notify the other immediately
                        of any unauthorized disclosure or use, and will
                        cooperate with the Disclosing Party to protect all
                        proprietary rights in and ownership of its Confidential
                        Information.

         13.5.    Compelled Disclosures. To the extent required by applicable
         law or by lawful order or requirement of a court, governmental
         authority or self-regulatory agency having competent jurisdiction over
         the Receiving Party, the Receiving Party may disclose Confidential
         Information, including User Information, in accordance with such law or
         order or requirement, subject to the following conditions: As soon as
         possible after becoming aware of such law, order or requirement and
         prior to disclosing Confidential Information, pursuant thereto, the
         Receiving Party will so notify the Disclosing Party in writing and, if
         possible, the Receiving Party will provide the Disclosing Party notice
         not less than five (5) business days prior to the required disclosure.
         The Receiving Party will use reasonable efforts not to release
         Confidential Information, pending the outcome of any measures taken by
         the Disclosing Party to contest, otherwise oppose or seek to limit such
         disclosure by the Receiving Party and any subsequent disclosure or use
         of Confidential Information that may result from such disclosure. The
         Receiving Party will cooperate with the Disclosing Party regarding such
         measures. Notwithstanding any such compelled disclosure by the
         Receiving Party, such compelled disclosure will not otherwise affect
         the Receiving Party's obligations hereunder with respect to
         Confidential Information so disclosed.

         13.6.    Return of Confidential Information. Upon the request of either
         Party or upon the expiration or termination of this Agreement for any
         reason, the Receiving Party will promptly (i) return or destroy, at the
         Disclosing Party's option, all originals and copies of all documents
         and materials it has received containing the Disclosing Party's
         Confidential Information, (ii) deliver or destroy, at the Disclosing
         Party's option, all originals and copies of all summaries, records,
         descriptions, modifications, negatives, drawings, adoptions and other
         documents or materials, whether in writing or in machine-readable form,
         prepared by the Receiving Party, prepared under its direction, or at
         its request from the documents

                                      -12-
<PAGE>

         and materials referred to in subparagraph (i); and (iii) provide a
         notarized written statement to the Disclosing Party certifying that all
         documents and materials referred to in subparagraphs (i) and (ii) have
         been delivered to the Receiving Party or destroyed, as requested by the
         Disclosing Party.

14.      USER INFORMATION

         14.1.    Ownership. The Parties shall agree in writing with respect to
         each Service, which Party shall be deemed the owner of the User
         Information collected from Consumers purchasing or accessing of the
         Service. The Parties may agree that due to the joint nature of the
         Service, both parties shall jointly be the owners of such User
         Information. Determinations relating to User Information shall be
         included in the Exhibit relating to a Service.

         14.2.    User Privacy. The parties shall agree for each Service which
         Party's privacy policy shall apply and may agree that compliance with
         both Intersections' and Equifax' policies is required. At a minimum,
         the Equifax Services and the Intersections Services shall comply with
         any applicable law, including any applicable notice and opt out
         requirements. Determinations relating to User Privacy shall be included
         in the Exhibit relating to a Service and all User Information shall be
         treated accordingly.

         14.3.    Treatment of User Information. Without limiting any other
         warranty or obligation specified in this Agreement, and in particular
         the confidentiality provisions of Section 13, during the term of this
         Agreement and thereafter in perpetuity, Equifax and Intersections both
         agree not to gather, store, or use any User Information belonging to
         the other in any manner not agreed to by the owner of the User
         Information and, each agrees not to disclose, distribute, sell, share,
         rent or otherwise transfer any User Information to any third party,
         except as expressly provided in this Agreement, or in any Exhibit, or
         as the Party that owns the User Information may have expressly and
         reasonably directed in advance in writing.

         14.4.    Retention of User Information. Except as expressly permitted
         in this Agreement, a Party will not retain any User Information
         belonging to the other Party for any period longer than necessary for
         the retaining Party to fulfill its obligations under this Agreement. As
         soon as the retaining Party no longer needs to retain such User
         Information in order to perform the Services or any other obligation
         under this Agreement, the retaining Party shall return such User
         Information to the deemed owner of such information. Notwithstanding
         the foregoing, either Party may retain User Information in aggregate
         statistical form for a period of three (3) years following termination
         of this Agreement.

         14.5.    Security of User Information. Each Party will maintain and
         enforce safety and physical security procedures with respect to its
         access and maintenance of User Information that are (a) at least equal
         to industry standards for such types of locations, and (b) which
         provide reasonably appropriate technical and organizational safeguards
         against accidental or unlawful destruction, loss, alteration or
         unauthorized disclosure or access of User Information and all other
         data owned by a Party and accessible by the other Party under this
         Agreement. Without limiting the generality of the foregoing, each Party
         will take all reasonable measures to secure and defend its location and
         equipment

                                      -13-
<PAGE>

         against "hackers" and others who may seek, without authorization, to
         modify or access its systems or the information found therein without
         its consent. Both parties will periodically test their systems for
         potential areas where security could be breached. Both parties will
         report to the other Party immediately any breaches of security or
         unauthorized access to their respective systems that they detect or
         become aware of. Both parties will use diligent efforts to remedy such
         breach of security or unauthorized access in a timely manner.

                  14.5.1.  All User Information must be stored in a physically
                        secure environment that protects it from unauthorized
                        access, modification, theft, misuse and destruction. In
                        addition, to the general standards set forth above, each
                        Party will maintain an adequate level of physical
                        security controls over its facility including, but not
                        limited to, appropriate alarm systems, fire suppression,
                        access controls (including off-hour controls) which may
                        include visitor access procedures, security guard force,
                        and video surveillance.

15.      PROVISIONS RELATING TO NETWORKS AND SYSTEMS

         15.1.    Connectivity. The Parties acknowledge that one or more of the
         Services may require the parties to establish connectivity between
         their respective system networks. For any such connectivity or other
         actions required by this Agreement that relate to a Party's network,
         webpages or internet access, the following provisions shall apply
         unless the Parties agree otherwise in writing.

         15.2.    Policies. Each Party shall deliver to the other copies of its
         respective network and internet policies and shall comply with such
         applicable policies when connecting to the other's network system,
         except if any such policy conflicts with the terms of this Section 15,
         the terms of this Section shall prevail and, the effected Party shall
         adjust its practices to bring them in line with the terms of this
         Section.

         15.3.    Internet Service Standards. Both parties shall, when
         connecting to and or transmitting through the Internet is required to
         provide a Service or other obligation hereunder, comply with the
         Internet Service Standards attached hereto as Exhibit I.

         15.4.    No Disabling Devices or Viruses. Each Party will use its best
         efforts to ensure that any device that it connects to the other's
         network, server, or any system, or any deliverable that it provides to
         the other that is intended to connect to any network, server, or system
         of the other, shall not contain any program, routine, device, or other
         undisclosed feature, including, without limitation, a time bomb, virus,
         software lock, drop dead device, malicious logic, worm, Trojan horse,
         or trap door that is designed to delete, deactivate, interfere with, or
         that is intended to provide access or produce modifications not
         authorized by the receiving Party (collectively, "disabling
         procedures"). Such warranty is intended to apply regardless of whether
         such disabling procedures are intended or authorized to be included in
         such connection or deliverable by the receiving Party. A Party will
         immediately notify the other if it becomes aware that any such
         disabling procedures have been, or may have been, transferred to the
         other's network, server, or other system, or may have been included in
         any Deliverable.

                                      -14-
<PAGE>

         15.5.    Content License. Subject to specific agreements to be
         memorialized in an Exhibit, each Party hereby grants to the other a
         non-exclusive license to use, reproduce, distribute, create derivative
         works of, publicly perform, publicly display and digitally perform the
         "Internet Content" (defined as all content or information including
         without limitation any text, music, sound, photographs, video,
         graphics, data or software, in any medium, provided by a Party to the
         other Party for display on a Webpage or server, or transmitted via the
         Internet in connection with providing a Service hereunder or in
         conjunction with any other obligation hereunder). A Party will not
         provide any Internet Content that: (a) infringes upon any intellectual
         property or publicity/privacy right; (b) violates any law or
         regulation; (c) is defamatory, obscene, harmful to minors or child
         pornographic; (d) contains any viruses, Trojan horses, worms, time
         bombs, cancelbots or other computer programming routines that are
         intended to damage, detrimentally interfere with, surreptitiously
         intercept or expropriate any system, data or personal information; or
         (e) is materially false, misleading or inaccurate. A Party transferring
         Internet Content shall promptly notify the Party receiving the Internet
         Content if it discovers any mistakes, omissions, errors, viruses, or
         other defects in the Internet Content and will promptly inform the
         receiving Party of: (i) the date of discovery; (ii) the method of
         transmission or causation; and (iii) the corrective action taken by the
         transferring Party.

         15.6.    Ownership of Domain Names. Each Party will retain all right,
         title and interest in and to, and ownership of, their own respective
         domain names, and the other Party will not acquire any right, title, or
         interest therein. Each Party acknowledges that the domain names will be
         associated with the respective parties and/or their Affiliates and that
         each Party will build up substantial goodwill in the domain names and,
         accordingly, that the domain names will be a valid trademark and/or
         service mark of the respective Parties and/or their Affiliates.

         15.7.    Cookies. Neither Party shall engage in the use of such files,
         text, code, web bugs, GIFs or other items which track user behavior
         ("Cookies") on any server or webpages used to provide Services to the
         other in any manner without the other Party's prior written consent. If
         a Party does provide such written consent, it may place reasonable
         conditions and restrictions on the use of such Cookies.

         15.8.    Export Controls. The Parties acknowledge that if any of the
         Services or any related technical information, documents and materials,
         are subject to export controls under the U.S. Export Administration
         Regulations and/or the Parties will (i) comply strictly with all legal
         requirements established under those controls; (ii) cooperate fully
         with any official or unofficial audit or inspection that relates to
         those controls conducted by the U.S. Export Administration or such
         other governing body with jurisdiction over such matters; and (iii) not
         export, re-export, divert or transfer, directly or indirectly, any such
         item to countries that are embargoed by Executive Order without the
         prior written authorization of Equifax and the U.S. Commerce Department
         or such other governing body with jurisdiction over such matters.

16.      ANNOUNCEMENTS, PUBLICITY AND SOLICITATION

                                      -15-
<PAGE>

         16.1.    Announcements; Publicity. Subject to specific agreements
         regarding advertising and marketing relating to a Service, to be
         memorialized in an Exhibit, during the term and at all times after the
         termination or expiration of this Agreement, neither Party shall make
         any media release or other public announcement relating to or referring
         to this Agreement or the Services provided under this Agreement without
         the other's prior written consent. Except pursuant to the terms of the
         Agreement including applicable Exhibits, neither Party shall acquire
         any rights to use, and shall not use, without the other's prior written
         consent, the terms or existence of this Agreement, the Marks of the
         other, their Affiliates, employees, directors, shareholders, assigns,
         successors or licensees: (a) in any advertising, publicity, press
         release, client list, presentation or promotion; (b) to express or to
         imply any endorsement of the services; or (c) in any manner other than
         expressly in accordance with this Agreement.

         16.2.    No Advertising or Links. Neither Party shall include any
         advertising, promotions, merchandising, or marketing services
         (including, but not limited to, banners, links, marketing services,
         promotions, product tie-ins, or product or service merchandising) to
         third parties in or on any electronic connectivity, or webpage provided
         to the other, without prior written consent from the other Party.

17.      REPRESENTATIONS AND WARRANTIES

         17.1.    Mutual Representations and Warranties. Equifax, Intersections
         Inc., and CreditComm Services LLC, each, respectively, represents and
         warrants with respect to themselves as follows: (a) such Party is duly
         organized, validly existing, and in good standing under the laws of the
         jurisdiction in which it is organized, and has the power and authority
         to carry on its business as now being conducted, (b) such Party has the
         financial resources, personnel and organizational resources to perform
         its obligations under this Agreement and will notify the other of any
         change in such Party's circumstances that would materially adversely
         impact its ability to perform its obligations under this Agreement, (c)
         there is no action, suit or proceeding before or by any court or
         governmental agency or body or otherwise, now pending, or to the
         knowledge of such Party, threatened against such Party or its property
         that may result in a material adverse change in the condition,
         financial or otherwise or business prospects of such Party, and (d)
         this Agreement has been duly executed and delivered on behalf of such
         Party and is a legal and binding obligation of such Party enforceable
         against it in accordance with the terms of this Agreement except (i) as
         the same may be limited by bankruptcy, insolvency, reorganization, or
         other laws or equitable principles relating to or affecting the
         enforcement of creditors' rights and (ii) that the availability of
         equitable remedies including specific performance is subject to general
         equitable principles applied at the discretion of a court.

         17.2.    Representations of Intersections. In connection with its
         activities hereunder, Intersections Inc. and CreditComm Services LLC
         (collectively referred to below as "Intersections") each represents and
         warrants to Equifax that:

                  17.2.1.  Intersections does and will continue to comply fully
                  with the all applicable statutes, rules and regulations in any
                  jurisdiction in which it offers and provides Intersections
                  Services, including without limitation the Fair Credit
                  Reporting Act;

                                      -16-
<PAGE>
                  17.2.2.  Intersections will comply with all the terms and
                  conditions set forth in this Agreement and will perform the
                  Intersections Services in accordance with the Performance
                  Standards set forth in this Agreement and any Exhibits;

                  17.2.3   Intersections has obtained all required third-Party,
                  governmental and regulatory licenses, registrations and
                  approvals as may be necessary for it to offer and provide the
                  Intersections Services under the terms of this Agreement;

                  17.2.4   Any Network Connectivity or Internet related activity
                  relating to any Intersections Service and any Internet Content
                  provided by Intersections under this Agreement, shall comply
                  fully with the provisions of Section 15 (Provisions Relating
                  To Networks and Systems) and Exhibit-I (Internet Service
                  Standards) and do not and will not infringe or violate the
                  intellectual property rights or any other rights of any nature
                  of any third party, or contain defamatory or indecent matter.

         17.3.    Representations of Equifax. In connection with its activities,
         hereunder, Equifax represents and warrants to Intersections Inc and to
         CreditComm Services LLC that:

                  17.3.1.  Equifax does and will continue to comply fully with
                  all applicable statutes, rules and regulations in any
                  jurisdiction in which it offers and provides Equifax Services
                  including without limitation the Fair Credit Reporting Act.;

                  17.3.2.  Equifax will comply with all the terms and conditions
                  set forth in this Agreement and will perform the Equifax
                  Services in accordance with the Performance Standards set
                  forth in this Agreement and any Exhibits;

                  17.3.3.  Equifax has obtained all required third-party,
                  governmental and regulatory licenses, registrations and
                  approvals as may be necessary for it to offer and provide the
                  Equifax Services under the terms of this Agreement;

                  17.3.4.  Any Network Connectivity or Internet related activity
                  relating to any Equifax Service and any Internet Content by
                  Equifax provided under this Agreement shall comply fully with
                  the provisions of Section 15 (Provisions Relating To Networks
                  and Systems) and Exhibit-I (Internet Service Standards), and
                  do not and will not infringe or violate the intellectual
                  property rights or any other rights of any nature of any third
                  party, or contain defamatory or indecent matter.

         17.4.    Intellectual property. Each Party represents and warrants that
         it has good and clear title to all Marks that it may provide to the
         other to use in connection with any Service or this Agreement and that
         use thereof by the other Party pursuant to this Agreement, in
         connection with the Services will not violate or infringe the rights of
         any third party, including, without limitation, those rights related to
         patent, trademark, or service mark infringement and unfair competition.

18.      INSURANCE

         18.1     Insurance to be Maintained by Both Parties. Intersections and
         Equifax each agree to maintain insurance of the kinds and limits set
         forth below:

                                      -17-
<PAGE>
                  18.1.1   Workers' compensation coverage, including
                  occupational disease and employer's liability insurance, in
                  limits and with coverage as required by the applicable laws of
                  each jurisdiction in which it does business, but in no event,
                  with respect to employer's liability insurance, less than the
                  following limits:

                               (A) bodily injury by accident: $1,000,000 per
                               accident, and

                               (B) bodily injury by disease: $1,000,000 per
                               employee, and

                               (C) bodily injury by disease: $1,000,000 policy
                               Limit

                  18.1.2   Commercial general liability insurance which includes
                  coverage for premises and operations liability, independent
                  contractor liability, blanket contractual liability, cross
                  liability coverage, separation of insureds in amounts not less
                  than the following limits:

                               (A) $2,000,000 general aggregate,

                               (B) $2,000,000 bodily injury and property damage
                               combined single limit each occurrence.

                  18.1.3   Professional Liability insurance covering the
                  Services performed for Equifax and its customers with limits
                  of liability of not less than $1,000,000 each claim and
                  $1,000,000 aggregate.

                  18.1.4   Automobile Liability and Property Damage Insurance,
                  including coverage on owned, hired, non-owned automobiles and
                  loaned vehicles, with Bodily Injury and Property Damage limits
                  of not less than One Million Dollar ($1,000,000) per
                  occurrence combined single limit.

         18.2     Each such policy shall be written on an occurrence basis,
         except for the professional liability coverage which shall be written
         on a claims made basis. Each policy shall contain a clause requiring
         the insurance carrier to notify the Party which is not the policy
         holder, Intersections or Equifax, respectively, not less than thirty
         (30) days prior to the termination or material modification of any such
         policy. Each Party shall provide to the other with its insurance
         carriers' Certificates of Insurance that all insurance required is in
         force.

         18.3     Each Party shall have its insurance carrier or carriers
         certify to the other Party that all insurance required by this
         Agreement is in force, such certificates shall stipulate that the
         insurance will not be canceled, unrenewed or substantially changed
         without thirty (30) days' prior notice by certified mail to such other
         Party which is not the policy holder. A Party shall, on request, permit
         the other Party to examine its original insurance policies relating to
         the insurance required by this Agreement.

         18.4     Either Party may carry, at its own, respective expense, such
         additional insurance as it may deem necessary or desirable. Neither,
         Intersections nor Equifax shall be deemed to be relieved of any
         responsibility arising under or related to this Agreement

                                      -18-
<PAGE>

         by the fact that it carries insurance, and no such responsibility shall
         be deemed in any way limited by the fact of such insurance.

19.      LIABILITY; INDEMNIFICATION

         19.1.    Intersections Indemnification. Intersections and CreditComm
         Services Inc. jointly and severally agree to indemnify, defend and hold
         harmless the Equifax and its directors, officers, employees and agents
         (the "Affected Indemnitees") from and against any and all damage, loss,
         liability and expense (including, without limitation, reasonable
         expenses of investigation and reasonable attorneys' fees and expenses)
         in connection with any and all actions or threatened actions
         ("Indemnifiable Losses") incurred or suffered by any of the Affected
         Indemnitees arising from, related to or associated with (i) any claim,
         complaint, action, proceeding, counterclaim or offset incurred in
         connection with Intersection's provision of or failure to provide any
         of the Intersections Services, or any feature thereof, including, but
         not limited to, any claim by any third party arising out of the use of
         or quality of any materials or Services provided by Intersections; (ii)
         Intersections, its employees, officers, directors, subcontractors, or
         agents failure to perform in accordance with any of the terms and
         conditions of this Agreement, including but not limited to, breach of
         any of the representations, warranties, and covenants made herein by
         Intersections or any of its related parties; and (iii) any violation by
         Intersections of applicable federal, state or local laws or
         regulations, including but not limited to Federal Communications
         Commission or Federal Trade Commission rules or regulations.

         19.2.    Equifax Indemnification. Equifax agrees to indemnify, defend
         and hold harmless Intersections Inc. and CreditComm Services LLC
         (hereinafter collectively "Intersections") their directors, officers,
         employees and agents (the "Intersections Indemnitees") from and against
         any and all damage, loss, liability and expense (including, without
         limitation, reasonable expenses of investigation and reasonable
         attorneys' fees and expenses) in connection with any and all actions or
         threatened actions ("Indemnifiable Losses") incurred or suffered by any
         of the Intersections Indemnitees arising from, related to or associated
         with (i) any claim, complaint, action, proceeding, counterclaim or
         offset incurred in connection with Equifax's provision of or failure to
         provide any of the Equifax Services, or any feature thereof, including,
         but not limited to, any claim by any third party arising out of the use
         of or quality of any materials or Services provided by Equifax; (ii)
         Equifax, its employees, officers, directors, subcontractors, or agents
         failure to perform in accordance with any of the terms and conditions
         of this Agreement, including but not limited to, breach of any of the
         representations, warranties, and covenants made herein by Equifax or
         any of its related parties; and (iii) any violation by Equifax of
         applicable federal, state or local laws or regulations, including but
         not limited to Federal Communications Commission or Federal Trade
         Commission rules or regulations.

         19.3.    Insurers. No insurer or any other third-party shall be, by
         virtue of the foregoing indemnification provisions, (i) entitled to a
         benefit it would not be entitled to receive in the absence of such
         provisions, (ii) relieved of the responsibility to pay any claims to
         which it is obligated, or (iii) entitled to any subrogation rights with
         respect to any obligation hereunder.

                                      -19-
<PAGE>

         19.4.    Indemnification Process. The Party seeking indemnification
         shall notify the indemnifying Party of any claim under this Article
         within thirty (30) days (or such shorter period as may be required to
         respond to a third party claim) after receipt of notice. A Party
         required to indemnify the other Party under this Agreement shall have
         no obligation for any claim under this Section if:

                  19.4.1.  the indemnified Party fails to notify the
                        indemnifying Party of such claim as provided above, but
                        only to the extent that the defense of such claim is
                        prejudiced by such failure;

                  19.4.2.  the indemnified Party fails to tender control of the
                        defense of such claim to the indemnifying Party; or

                  19.4.3.  the indemnified Party fails to provide the
                        indemnifying Party with all reasonable cooperation in
                        the defense of such claim (the cost thereof to be borne
                        by the indemnifying Party) but only to the extent that
                        the defense of such claim is prejudiced by such failure.

         19.5.    Consent. The indemnifying Party shall have no obligation for
         any claim under this Agreement if the indemnified Party makes any
         admission or settlement regarding such claim without the prior written
         consent of the indemnifying Party, which consent shall not be
         unreasonably withheld.

         19.6.    Participation. The indemnified Party shall have the right (but
         not the obligation) to participate in such defense or settlement, in
         which event such indemnified Party shall pay its attorneys' fees In
         connection with such participation.

         19.7.    CONSEQUENTIAL DAMAGES. IN NO EVENT SHALL EITHER EQUIFAX OR
         INTERSECTIONS, OR ANY OF THEIR RESPECTIVE AFFILIATES, HAVE ANY
         LIABILITY, WHETHER BASED ON CONTRACT, TORT (INCLUDING, WITHOUT
         LIMITATION, NEGLIGENCE OR STRICT LIABILITY), WARRANTY OR ANY OTHER
         LEGAL OR EQUITABLE GROUNDS, FOR ANY PUNITIVE, CONSEQUENTIAL, INDIRECT,
         EXEMPLARY, SPECIAL OR INCIDENTAL LOSS OR DAMAGE SUFFERED BY THE OTHER
         ARISING FROM OR RELATED TO ANY SERVICE OR THIS AGREEMENT, INCLUDING
         WITHOUT LIMITATION, LOSS OF PROFITS, INTEREST OR REVENUE, OR
         INTERRUPTION OF BUSINESS, EVEN IF SUCH PARTY HAS BEEN INFORMED OF OR
         MIGHT OTHERWISE HAVE ANTICIPATED OR FORESEEN THE POSSIBILITY OF SUCH
         LOSSES OR DAMAGES. NOTWITHSTANDING THE FOREGOING, ANY DAMAGES AWARDED
         OR OBTAINED (WHETHER BY SETTLEMENT, COMPROMISE OR JUDGMENT) AS A RESULT
         OF THIRD PARTY CLAIMS SHALL BE CONSIDERED DIRECT DAMAGES FOR PURPOSES
         OF THIS AGREEMENT.

20.      DISPUTE RESOLUTION

         20.1.    Procedure. Any dispute between the Parties either with respect
         to the interpretation of any provision of this Agreement or with
         respect to the performance by Intersections or by Equifax hereunder
         shall be resolved as specified in this Section.

                                      -20-
<PAGE>

                  20.1.1.  Integrated Planning Team. A Party shall by written
                        notice to the other Party submit a dispute to the
                        Integrated Planning Team for resolution. Such written
                        request shall specify in reasonable detail (i) the
                        nature of the dispute, (ii) the approximate dollar
                        amount at issue, and (iii) the requested resolution.

                  20.1.2.  The Integrated Planning Team shall meet (which may
                        via Conference call) as soon as possible, but not later
                        than ten (10) business days after the receipt of the
                        notice, and as often as necessary thereafter, as
                        mutually agreed to, to gather and furnish to each Party
                        information with respect to the matter in issue that is
                        appropriate and germane to its resolution.

                  20.1.3.  The Integrated Planning Team shall discuss the
                        problem and negotiate in good faith in an effort to
                        resolve the dispute.

         20.2.    Project Executive. If the Integrated Planning Team does not
         resolve the dispute within thirty (30) days after the date of receipt
         by a Party of a notice of submission of a dispute to the Integrated
         Planning Team for resolution, the members of the Integrated Planning
         Team shall report to their respective Project Executives and the
         dispute shall be remitted to the Project Executives for resolution. The
         Project Executives shall discuss the problem and negotiate in good
         faith in an effort to resolve the dispute within thirty (30) days after
         the referral to them.

         20.3.    If the Project Executives do not resolve the dispute within
         such thirty (30) day period referenced in Section 20.2 above, then the
         Party who presented the dispute shall be free to pursue any other
         remedies available to it.

         20.4.    Continued Performance. The Parties agree to continue
         performing their respective obligations under the Agreement (including
         the Exhibits and any Addendum) while any dispute is being resolved
         unless and until such obligations are terminated or expire in
         accordance with the provisions of the Agreement.

21.      TERM; TERMINATION; SURVIVAL

         21.1.    Term. The term of this Agreement will begin as of the
         Effective Date and will expire five (5) years from the Effective Date,
         unless sooner terminated as provided below. This Agreement will renew
         automatically for additional two-year terms, unless either Party
         provides written notice to the other twelve (12) months prior to any
         termination date that it wishes the Agreement to terminate and not
         renew.

         The date on which this Agreement terminates in its entirety by
         expiration or otherwise shall be the "Termination Date".

         21.2.    Partial Termination. Notwithstanding Section 21.1 above,
         either Equifax with respect to an Intersections Service, or
         Intersections with respect to an Equifax Service, as the recipient of a
         particular Service, may, at its option, upon no less than sixty (60)
         days prior written notice to the other (or such other period as the
         parties may mutually agree in writing), direct the other to discontinue
         such Service. In the event of any termination with respect to one or
         more, but less than all, Services to be provided hereunder, this

                                      -21-
<PAGE>

         Agreement will continue in full force and effect with respect to any
         Services not terminated.

         21.3.    Partial Termination Due to Breach. Notwithstanding Section
         21.1 above, either Equifax or Intersections, as the provider or
         recipient of a particular Service, may terminate a particular service
         being provided under an applicable Exhibit if the other Party
         materially breaches any of the terms hereof or of such applicable
         Exhibit and such breach is not cured within thirty (30) days after
         written notice of breach is delivered to the breaching Party; provided,
         however, that if the breach is not capable of being cured within such
         thirty (30) day period and the breaching Party is proceeding to cure
         the breach with reasonable diligence, and has provided prior to the end
         of such thirty-day period written notice to the other Party detailing
         its efforts to cure the breach and when it anticipated completion of
         the cure, the cure period shall be extended an additional thirty (30)
         days.

         21.4.    Termination. Notwithstanding Section 21.1 above, this
         Agreement may be terminated in its entirety in accordance with any of
         the following:

                  21.4.1.  By Agreement. Upon written agreement of the parties;

                  21.4.2.  Material Breach. By either Intersections or Equifax
                        for material breach by the other of any of the terms
                        hereof if the breach is not cured within thirty (30)
                        days after written notice of breach is delivered to the
                        breaching Party; provided, however, that if the breach
                        is not capable of being cured within such thirty (30)
                        day period and the breaching Party is proceeding to cure
                        the breach with reasonable diligence, the cure period
                        shall be extended an additional thirty (30) days;

                  21.4.3.  Insolvency. By either Intersections or Equifax, upon
                        written notice to the other if the other becomes
                        insolvent or makes an assignment of substantially all of
                        its assets for the benefit of creditors, or is placed in
                        receivership, reorganization, liquidation or bankruptcy;

                  21.4.4.  Change of Control of Intersections. By Equifax, upon
                        written notice to Intersections pursuant to Section 3.8
                        (relating to Restricted Purchasers) of a certain Amended
                        and Restated Stockholders' Agreement dated as of
                        November ____, 2001 by and among, Intersections, CD
                        Holdings Inc., (an Affiliate of Equifax), and those
                        other stockholders of Intersections named as signatures
                        thereto; or

                  21.4.5.  Force Majeure Event. Subject to Section 23, by either
                        Party due to a Force Majeure Event (as defined in
                        Section 23 below) impacting the other Party's
                        performance hereunder.

         21.5.    Upon any termination or expiration pursuant to this Section
         21, Equifax and Intersections shall be compensated for all Services
         performed through the Termination Date in accordance with the
         provisions of this Agreement.

         21.6.    Upon termination or expiration of this Agreement (or an
         Exhibit, as the case may be), all rights and obligations of the Parties
         under this Agreement (or such Exhibit, as the

                                      -22-
<PAGE>

         case may be) will immediately cease and terminate (except for the
         rights and obligations pursuant to SECTIONS 10, 12, 13, 14, 19, 20,
         25.5, AND 25.8 and the definitions required thereby, which will survive
         such termination or expiration), and neither Party will have any
         further obligation to the other Party with respect to this Agreement
         (or such Exhibit, as the case may be), except (i) for fees and
         reimbursable expenses payable to the other Party accrued but unpaid at
         the date of termination or expiration, and (ii) as set forth in the
         provisions of this Agreement which are specifically designated herein
         as surviving such termination or expiration.

22.      AMENDMENT AND WAIVER.

This Agreement may not be altered or amended, nor may any rights hereunder be
waived, except by an instrument in writing executed by the Party or Parties to
be charged with such amendment or waiver. No waiver of any terms, provision or
condition of or failure to exercise or delay in exercising any rights or
remedies under this Agreement, in any one or more instances, shall be deemed to
be, or construed as, a further or continuing waiver of any such term, provision,
condition, right or remedy or as a waiver of any other term, provision or
condition of this Agreement.

23.      FORCE MAJEURE.

Neither Party shall be liable for any default or delay in the performance of its
obligations hereunder (except for the payment of money) if and to the extent
such default or delay is caused, directly or indirectly, by acts of God,
governmental acts, accidents, wars, terrorism, riots or civil unrest, labor
disputes, fires, storms, earthquakes, floods or elements of nature, or any other
cause beyond the reasonable control of such Party, provided such default or
delay could not have been prevented by reasonable precautions and cannot
reasonably be circumvented by the nonperforming Party through the use of
commercially reasonable alternative sources, workaround plans or other means
(individually, a "Force Majeure Event"). Upon the occurrence of a Force Majeure
Event, the nonperforming Party will be excused from any further performance or
observance of the obligations so affected for as long as such circumstances
prevail and such Party continues to use commercially reasonable efforts to
recommence performance or observance whenever and to whatever extent possible
without delay. Any Party so delayed in its performance will immediately notify
the other by telephone (to be confirmed in writing within five (5) days of the
inception of such delay) and describe at a reasonable level of detail the
circumstances causing such delay. If any Force Majeure Event substantially
prevents, hinders, or delays performance of any Service for more than fifteen
(15) consecutive days, then the Party receiving the Service may procure such
Services from an alternate source (whereupon the fees related to that Service
hereunder shall be reduced accordingly. If any Force Majeure Event continues for
more than sixty (60) consecutive days, then the Party receiving the Service may
terminate this Agreement as to the Effected Service as of a date specified by
such Party in a written notice of termination to the other Party.

24.      AUDITS

Either Party may audit the other not more often than once in any twelve (12)
month period for the purpose of determining (i) compliance with the terms of
this Agreement, or (ii) the

                                      -23-
<PAGE>

accuracy of billings and or remittances. A party (the "Auditing Party") may
initiate an audit by giving to the other Party no less than ten (10) business
days written notice of its request to audit. The Parties shall agree on the
dates, time and scope of the audit. Such audit may include, interviews of
relevant personnel and review of documentation. Any such audit will be performed
in coordination with the management of the Party being audited and shall occur
during the normal business hours of such Party. The Party being audited shall
provide all information reasonably requested by the Auditing Party in connection
with any such audit. The Auditing Party shall comply with all of the other
Party's rules and procedures regarding access to its premises and records.

25.      GENERAL PROVISIONS

         25.1.    Assignment; Parties in Interest. Neither of the Parties hereto
         may assign its rights or delegate any of its duties under this
         Agreement without the prior written consent of the other Party. This
         Agreement shall be binding upon, and shall inure to the benefit of, the
         Parties hereto and their respective successors and permitted assigns.
         Nothing contained in this Agreement, express or implied, is intended to
         confer any benefits, rights or remedies upon any person or entity other
         than Equifax and the Equifax Indemnitees and Intersections and the
         Intersections Indemnitees under Section 19 hereof.

         25.2.    Conflicts Between this Agreement and an Exhibit. As long as
         any Exhibit remains in effect, the terms of this Agreement shall govern
         such Exhibit. If any provision of an applicable Exhibit conflicts with
         a provision of this Agreement, the provision of such Exhibit will
         control; provided, however, that in no event shall the term for the
         provision of any Service under this Agreement or an Exhibit extend
         beyond the Termination Date. Obligations pursuant to separately
         executed agreements, i.e., the Data Agreement, the Credit Monitoring
         Agreement and the Hosting Agreement, shall be governed by the
         respective terms of those respective agreements.

         25.3.    Applicability to Affiliates. Equifax and Intersections shall
         each cause their Affiliates to (a) comply with this Agreement and the
         Exhibits hereto and (b) perform the Services described on the Exhibits
         hereto. From time to time after the date hereof, Equifax and
         Intersections may change which of their Affiliates shall provide or
         receive services hereunder, provided that such changes do not
         materially change the nature of the Services being provided.

         25.4.    Independent Contractors. Each of Intersections and Equifax is
         an independent contractor. Neither Party shall have any authority to
         bind the other Party unless expressly agreed in writing. Nothing in
         this Agreement shall be construed to create a partnership, agency or
         employer-employee relationship between Intersections and Equifax.

         25.5.    Notices. All notices and communications under this Agreement
         shall be in writing and shall be deemed to have been given (a) when
         received, if such notice or communication is delivered by facsimile, or
         hand delivery, (b) one (1) business day after recognized or overnight
         courier, and (c) three (3) business days after mailing if such notice
         or communication is sent by United States registered or certified mail,
         return receipt requested, first class postage prepaid. All notices and
         communications, to be effective,

                                      -24-
<PAGE>

         must be properly addressed to the Party to whom the same is directed at
         its address as follows:

                  If to Equifax, to:         Equifax Inc.

                                             1550 Peachtree Street, N.W.
                                             Atlanta, Georgia  30309
                                             Attention: Virgil Gardaya
                                                        Corporate Vice President
                                             Fax: (404) 885-8682

                  with a copy to:            Equifax Inc.
                                             1550 Peachtree Street
                                             Atlanta, Georgia  30309
                                             Attention: Kent E. Mast
                                                        General Counsel
                                             Fax: (404) 885-8988

                  If to Intersections, to:   Intersections Inc.
                                             14930 Bogle Drive
                                             Chantilly, VA 20151
                                             Attention: Michael Stansfield
                                                        Chief Executive Officer

                  with a copy to:            Intersections Inc.
                                             14930 Bogle Drive
                                             Chantilly, VA 20151
                                             Attention: Ken Schwartz
                                                        Chief Financial Officer

         Either Party may, by written notice delivered to the other Party in
         accordance with this Section 26.5, change the address to which delivery
         of any notice shall thereafter be made. Notice given to Intersections
         Inc. pursuant to this Agreement shall be deemed to have been equally
         given to CreditComm Services LLC.

         25.6.    Entire Agreement. Except as set forth in the Second Addendum
         to the Data Agreement referred to in Section 7.1.2 hereof, the Credit
         Monitoring Agreement referred to in Section 7.1.13 hereof, and the
         Hosting Agreement referred to in Section 9 hereof, each executed as of
         the date hereof by the parties hereto, and the Agreement Regarding
         Equifax Authentication Service referred to in Section 8 hereof, this
         Agreement, including all Exhibits hereto, constitutes the entire
         understanding of the parties hereto with respect to the subject matter
         hereof, superseding all negotiations, prior discussions and prior
         agreements and understandings relating to such subject matter. All
         Exhibits attached hereto are by this reference made a part of this
         Agreement and are incorporated herein, and any reference herein to
         "this Agreement" or "the Agreement" shall include any applicable
         Exhibits.

                                      -25-
<PAGE>

         25.7.    Severability. The provisions of this Agreement are severable
         and should any provision hereof be void, voidable or unenforceable
         under any applicable law, such provision shall not affect or invalidate
         any other provision of this Agreement, which shall continue to govern
         the relative rights and duties of the parties as though such void,
         voidable or unenforceable provision were not a part hereof.

         25.8.    Governing Law. This Agreement shall be construed in accordance
         with, and governed by, the laws of the State of Georgia, without regard
         to the conflicts of law rules of such state. Notwithstanding the
         foregoing, if all of the providers and recipients of services under a
         particular Exhibit are residents of the same country (other than the
         United States), this Agreement shall be construed in accordance with,
         and governed by, the laws of such country with respect to such Exhibit
         only.

         25.9.    Headings. The Section headings set forth in this Agreement are
         included for administrative, organizational and convenience purposes,
         and are not intended to affect the meaning of the provisions set forth
         in this Agreement or to be used in the interpretation of this
         Agreement.

         25.10.   Counterparts. This Agreement may be executed in one or more
         counterparts, each of which shall be deemed an original instrument, but
         all of which together shall constitute but one and the same agreement.

IN WITNESS WHEREOF, the parties hereto have executed and delivered this
Agreement as of the day and year first above written.

EQUIFAX CONSUMER SERVICES INC.               INTERSECTIONS INC.

By: _______________________________          By: _______________________________

Name: _____________________________          Name: _____________________________

Title: ____________________________          Title: ____________________________

CREDITCOMM SERVICES LLC

By: _______________________________

Name: _____________________________

Title: ____________________________

                                      -26-
<PAGE>

                                    EXHIBIT A
                                   DEFINITIONS

         A. "AFFILIATES" means with respect to any person or entity, any other
person or any now existing or future entity that directly or indirectly through
one or more intermediaries, controls, is controlled by or is under common
control with such person or entity.

         B. "DELIVERABLES" means any report, explanation or other item produced
and delivered to a consumer as part of or byproduct to any Service provided
hereunder.

         C. "EQUIFAX CREDIT INFORMATION" means consumer credit files and
information relating thereto maintained by Equifax Information Services LLC, a
credit-reporting agency.

         D. "FORCE MAJEURE EVENT" means the definition of the term given in
Section 23.

         E. "INTEGRATED PLANNING TEAM" means the definition of the term given in
Section 11.1.

         F. "INTELLECTUAL PROPERTY" means all design rights, marketing rights,
devices and designs, copyrights, knowledge, goodwill marks or other ownership
rights of any type associated with a Service.

         G. "INTERNET CONTENT" means the definition of the term given in Section
15.5.

         H. "INTERNET SERVICE STANDARDS" means those security and performance
standards attached hereto as Exhibit I.

         I. "INTERSECTIONS SERVICES" means those Services as designated in the
respective Exhibits to this Agreement that Intersections is responsible for
providing to Equifax.

         J. "INVESTMENT AGREEMENT" means that certain Note Purchase Agreement
dated as of November 27, 2001 by and among Intersections Inc., and CreditComm
LLC, as issuers, and CD Holdings Inc., as purchaser, pursuant to which CD
Holdings Inc. is purchasing a $20,000,000 note.

         K. "MARKS" means with respect to a Party all domain names, trademarks,
trade names, service marks, or service names, logos, slogans, and any other
proprietary designations in which the Party has an ownership or license
interest.

         L. "PROGRAM COMMUNICATIONS" means any communications and all related
collateral produced in furtherance of the Services.

         M. "PROJECT EXECUTIVE" means the definition of the term given in
Section 11.2.

                                    Page A-1

<PAGE>

         N. "SUBCONTRACTORS" means any third party hired, or contracted with by
either Equifax or Intersections to perform part of its obligations under this
Agreement.

         O. "USER" means a consumer who purchases from Equifax or Intersections
a product or service, which is provided or supported by, or offered in
connection with, Services performed under this Agreement.

         P. "USER INFORMATION" means any information or data about Users (i)
provided by one party to the other, (ii) provided by the User to a party in
connection with a Service provided hereunder, (ii) otherwise collected from
User's purchases or use of any Service. Notwithstanding the foregoing, User
Information does not include information regarding the User already in the
possession of a Party prior to being input by and collected from such User.

         Q. "WORK PRODUCTS" means the copy artwork, layouts, designs, scripts
storyboard, tapes, films, mechanicals and any other document or materials
(including, without limitation, logos, photographs and illustrations) that are
prepared in connection with the Program Communications.

                                    Page A-2

<PAGE>

                                    EXHIBIT B

                     EQUIFAX CREDIT WATCH (OFF-LINE) SERVICE

1.       RESPONSIBILITY

 Intersections shall provide the Equifax Credit Watch (Off-Line) Service (the
 "Service") to Equifax.

2.       DESCRIPTION OF SERVICE

-    "Equifax Credit Watch (Off-Line) Service" shall mean a private label
     paper-based credit monitoring service utilizing Equifax Credit Information
     and bearing the Equifax Credit Watch name consisting of delivery to
     Consumers who purchase the product a booklet with the following components
     as more specifically described herein: (i) an Equifax credit report with
     related explanation; (ii) prompt notification by mail of changes to the
     Consumer's credit report; (iii) quarterly updates summarizing changes to
     the Consumer's report that occurred in that quarter; and (iv) access to
     Intersections' Consumer Fraud Resource Center. In providing the Equifax
     Credit Watch (Off-Line) Service, Intersections shall perform the following
     functions as further detailed herein: marketing assistance, enrollment
     (including collection of fees and fulfillment) and customer service
     (including processing of customer inquiries, cancellation and renewals).

-    The Service will initially be provided to Equifax Affinity Partners with
     the option to broaden the distribution at a later date.

-    The planned launch of the product is December 4, 2001.

-    Equifax reserves the right to request Intersections to modify the Service
     at a later date to add one or more additional components such as additional
     credit reports and/or fraud insurance protection. The parties will agree on
     the terms of any change to the Service and any corresponding change to the
     fee charged for the Service, although there need not be a fee change.

-    The Program Name shall be Equifax Credit Watch(TM), which is a trademark of
     Equifax Inc.

-    Equifax will perform the following duties to facilitate Intersections'
     delivery of the Service: Participate in and approve the marketing materials
     being developed by Intersections for the Service.

3.       COST/FEES.

                                    Page B-1

<PAGE>

The costs and fees associated with the Service are set forth in Appendix F.
Intersections will collect the designated prices for the Services from the
Members and shall remit to Equifax amounts less the fees that it is entitled to
for providing the service, all in accordance with the terms of the Master
Agreement, or such other terms that the Parties shall agree to.

4.       PERFORMANCE STANDARDS/SERVICE LEVELS

The Performance Standards and Service Levels applicable to the Service are as
set forth in the Additional Terms and the Appendices attached hereto.

5.       ADDITIONAL TERMS.

SECTION 1. DEFINITIONS; APPENDICES. For purposes of this Exhibit B, a
capitalized term will have the meaning shown in this Section 1.1:

         1.1. "Additional Program Materials" means all literature, general
correspondence and other materials, in addition to Solicitation Materials and
Fulfillment Materials, furnished to any Member in connection with the Program or
the customer service provided by Intersections.

"Consumer" means an individual consumer who, according to Equifax's criteria, is
eligible to be solicited for the Program.

"Fulfillment Materials" means any one or combination of the initial Program
membership kit, the Equifax credit report, notifications of changes to a
Member's credit file, quarterly credit updates, and all other materials provided
to the Member.

"Marketing Materials" means any one or combination of Solicitation Materials,
Fulfillment Materials, and Additional Program Materials.

"Master Agreement" means the Master Agreement for Marketing, Operational and
Cooperative Services entered into among Intersections Inc., CreditComm Services
LLC and Equifax dated November 27, 2001.

"Member" means a Consumer who enrolls in the Program and to whom Fulfillment
Materials are issued.

"Membership Fee" means the fee that Consumers will pay to be enrolled in the
Program and to receive Services.

"Program" means the program to market, offer and deliver Services to Consumers
in accordance with the terms of the Master Agreement and this Exhibit B.

"Solicitation" means a Program offer made to a Consumer in accordance with this
Exhibit through direct-response marketing, including without limitation, direct
mail, statement insert, telemarketing and Internet, or by other means such as
inbound service and sales.

                                    Page B-2

<PAGE>

"Solicitation Materials" means all creative copy and proofs for letters,
billing-statement inserts, bangtails, brochures, telemarketing scripts and other
promotional communications in connection with a Solicitation.

         1.2 APPENDICES. Each notation in this Exhibit B of an Appendix refers
to an appendix that is attached at the end of this Exhibit and which is made a
part of this Exhibit B.

SECTION 2. PROGRAM MARKETING.

         2.1 PROGRAM NAME. Equifax will have the exclusive right to determine
when and how Program Name(s) will be used in conjunction with Program marketing.
Equifax will own all right, title and interest in and to each Program Name and
web site domain name that Equifax selects.

         2.2 MARKETING MATERIALS.

         (a) MARKETING MATERIALS PRODUCED BY EQUIFAX. Equifax will be
responsible at its cost and expense to develop certain Solicitation Materials
and Fulfillment Materials to be determined by the Parties. The Parties
acknowledge that while Equifax will own all right, title and interest in and to
the Marketing Materials it produces, the terms of Section 12 of the Agreement
shall apply to such Materials and Equifax shall not otherwise gain any rights in
any Intellectual Property contributed to such Marketing Materials by
Intersections, except as the Parties shall agree.

         (b) MARKETING MATERIALS PRODUCED BY INTERSECTIONS. Intersections will
produce certain Marketing Materials for Equifax for which there shall be no
additional fee, including the design of a folding mail brochure, and the
Fulfillment Materials set forth on Appendix B. The parties are working to
finalize these materials for the Program launch date.

         Intersections will further be responsible at its cost and expense to
develop original creative fulfillment materials as set forth in Appendix B.
Equifax will own all right, title and interest in and to the Marketing Materials
set forth in Appendix B that are produced by Intersections. Intersections will
ensure that Marketing Materials properly display and use the Program Name (s) as
Equifax has directed. Intersections will ensure that the description of Services
is accurate and materially complete. Equifax will reasonably ensure that
Marketing Materials will be consistent with the terms of any other
communications that Equifax has given to Members. Intersections will seek
Equifax's prior written approval of Marketing Materials Intersections produces
pertaining to the Services as well as the production and printing schedule for
those Marketing Materials. Marketing Materials will be subject to Equifax's
prior written approval, which will not be unreasonably withheld. If Equifax
requires changes to the Marketing Materials after providing such approval,
Equifax will be responsible for actual out-of-pocket costs incurred by
Intersections related to materials not able to be used.

         (c) INSERTS. Equifax will, at additional cost, have the option to
include with Intersections' customer communications, promotions or
communications for any other

                                    Page B-3

<PAGE>

product(s) or service(s) that Equifax selects for Consumers ("Inserts"),
provided that any such marketing materials insert effectively through
Intersections' insertion equipment and would not be considered distasteful or
offensive to a reasonable person.

         2.3 RESTRICTIONS ON MARKETING. Intersections will not knowingly offer
or otherwise solicit any Member, or allow a third party to offer or solicit any
Member, for any other product or service or for any reason.

         SECTION 3. PROGRAM ADMINISTRATION.

         3.1 INTERSECTIONS SERVICES.

         (a) APPENDIX A. Intersections will be responsible at its cost and
expense for all aspects of delivering and administering the Equifax Credit Watch
(Off-line) Services and related services to Members, including, at a minimum,
the features, functions and benefits described in this Exhibit and Appendices A
and B.

         (b) CHANGES. Intersections may not change Services without Equifax's
prior written approval; provided that Intersections may make reasonable changes
required as a result of changes imposed or required by any regulatory authority.

         (c) MEMBER LIST. Intersections will maintain an accurate, up-to-date
record of each Member, which contains the items, listed on Appendix C or as
otherwise agreed upon by the parties from time to time (the "Member List").
Intersections will use the Member List only as permitted or required in this
Agreement. Members shall be considered Equifax customers and Intersections shall
use information regarding such Members only to provide Services hereunder and
for no other purposes. The Member List shall be considered Equifax User
Information.

         3.2 ENROLLMENT.

         (a) ENROLLMENT PROCESS. Intersections will process enrollments for the
         Program based on the guidelines set forth in Appendix D.

         (b) PRIVACY AND OPT-OUT NOTICES. Intersections will include the Privacy
         and Opt-Out Notices set forth in Appendix H with the appropriate
         Marketing Materials, to be determined by Equifax.

         (c) MEMBERSHIP FEES; BILLING AND COLLECTION. Intersections shall
             execute and process the billing transactions as part of its
             service to Equifax in accordance with the guidelines set forth in
             Appendix D.

         CANCELLATION PROCEDURES. If the Member notifies Intersections or
         Equifax stating that the Member no longer wants the Service,
         Intersections will process such cancellation request in accordance with
         the Equifax refund policy referred to in Appendix D.

         (d) RENEWALS. Each Member's Program membership will be automatically
         renewed for an additional period upon expiration of the previous
         period. Thirty (30) calendar

                                    Page B-4

<PAGE>

         days prior to the expiration of the then-current term of the Service,
         Intersections will charge the Member's credit card for the then-current
         price of the Service and it will be renewed unless the Member cancels
         within the thirty (30) day period by notifying Intersections that the
         Member wishes to cancel.

         3.3 CUSTOMER SERVICE.

         (a) FUNCTIONAL RESPONSIBILITIES. Intersections will be responsible to
         perform all Program-related customer service functions, including,
         without limitation, responding to Consumer and Member inquiries about,
         arising from or relating to the Program, Services, the Fulfillment
         Materials, Membership Fee billings and Member and Consumer complaints.
         Intersections shall perform these functions in a manner that meets or
         exceeds the Customer Service Standards set forth in Appendix E.

         (b) PHONE NUMBERS, URLs AND P.O. BOXES. Equifax will have the sole
         right and discretion to select and designate the use of: (1) each phone
         number for the purpose of receiving inbound Program customer-service
         calls ("Phone Number") and (2) each U.S. Post Office Box for the
         purpose of receiving Program customer-service mail ("P.O. Box"). At any
         time during or after expiration or termination of this Exhibit, Equifax
         will have the right to take possession and control of any Phone Number
         and related URLs, portals and any P.O. Box, and Intersections will
         cooperate with and facilitate Equifax in doing so.

         (c) DEDICATED CUSTOMER SERVICE REPRESENTATIVES. Each day, Intersections
         will assign dedicated customer service representatives to the Program
         to answer and handle Member inbound calls in accordance with the
         Customer Service Standards (Appendix E described below). Intersections
         shall assign a fully dedicated representative when Equifax' volume
         exceeds a certain call threshold to be agreed upon by the parties.
         Intersections shall, upon receipt of a request by Equifax, promptly
         remove any customer service representative, whether part of a dedicated
         team or not, from supporting the Program.

         (d) CUSTOMER SERVICE STANDARDS. Intersections will comply with the
         Customer Service Standards set forth in Appendix E. Intersections will
         train its employees who could have contact with Consumers or Members so
         that they know and understand the Customer Service Standards and so
         that Intersections' evaluation of their job performance takes into
         account their ability to adhere to the Customer Service Standards. To
         ensure high-quality customer service and prompt resolution of problems
         or potential problems Intersections will assign and identify to Equifax
         an Intersections customer service manager who will be the primary
         contact to communicate with Equifax's representatives for the purpose
         of responding to and resolving Member and Consumer inquiries,
         complaints and problems. Intersections will maintain written
         customer-service policies and procedures that Intersections and its
         employees and Subcontractors will be required to strictly follow.

         (e) DUTY TO NOTIFY EQUIFAX. Intersections will notify Equifax of each
         inquiry, claim or complaint that Intersections receives from any
         regulatory authority, attorney or other

                                    Page B-5

<PAGE>

         person taking or threatening regulatory or legal action against
         Intersections or Equifax in connection with the Program regardless of
         whether action is taken or threatened. Intersections will so notify
         Equifax, in accordance with the notice provisions in the Master
         Agreement, within one business day of Intersections' discovery of such
         inquiry, claim or complaint and shall include with such notice any
         correspondence or other document received in connection with the
         inquiry, claim, or complaint.

         (f) DUTY TO PROVIDE DOCUMENTS AND INFORMATION. Immediately upon
         Equifax's request, Intersections will deliver to Equifax copies of any
         correspondence or relevant documents or information concerning any
         inquiry, claim or complaint concerning the Program.

         SECTION 4. REPORTS.

         Intersections will maintain and send Equifax each of the reports set
forth in Appendix such other reports or records that Equifax may reasonably
request.

         SECTION 5. ADOPTION OF MASTER AGREEMENT.

         The terms and conditions of the Master Agreement will apply to this
Exhibit. In the event of any conflict between the terms and conditions of the
Master Agreement and this Exhibit, the Exhibit will control.

         SECTION 6. DEFINED TERMS.

         Except as defined herein or otherwise required by the context herein,
all defined terms used in this Exhibit have the meaning set forth in the Master
Agreement.

                                    Page B-6

<PAGE>

                                   Appendix A

    Description of Intersections Services for Equifax Credit Watch (Offline)

                      1-BUREAU PERSONALIZED CREDIT PROFILE

DEFINED

     -    Each enrolled member will receive via first class mail a personalized
          fulfillment kit which will include the following:

          -    A welcome to Equifax Credit Watch letter

          -    an Equifax credit profile in easy to read format

          -    a list of creditor contact information (when available)

          -    an account history summary based on the account information
               available

          -    information on the Notify Express, Quarterly Update and Fraud
               assistance features

                                 NOTIFY EXPRESS

DEFINED

     -    Utilizing the Equifax Credit Watch daily alert system Intersections
          will provide Notify Express alerts to consumers via first class mail.

     -    Notices will be mailed within 48 business hours of receipt from
          Equifax

     -    Members are notified of any new inquiries, address changes or account
          openings which have been received at Equifax

                         QUARTERLY CREDIT UPDATE (CQCU)

DEFINED

     -    Every 90 days members will receive a quarterly credit update which
          contains:

          -    Guarding your credit information

                -    New accounts opened

                -    Inquiries

                -    Address changes

                -    Identification information changes

          -    Managing your credit information

               -    Public record items

               -    Collection accounts

               -    Negative information

               -    Balance increases greater than 20%

               -    Account status improvements

               -    Items removed

                                    Page B-7

<PAGE>

               -    Credit limit increases

     -    The CQCU also contains customized "next steps" based on the specific
          type of information contained in the CQCU.

                         CONSUMER FRAUD RESOURCE CENTER

DEFINED

     -         Members will have access to Intersections Consumer Fraud Resource
         Center. The center's functions include, but are not limited to:

          -    Contacting the three major credit reporting agencies to place a
               fraud statement on the customer's credit report (as allowed by
               policy of the credit reporting agency(ies)).

          -    Providing information on the process to dispute unauthorized or
               fraud-related credit information and completing a dispute letter
               or investigative report for the customer to send to the credit
               reporting agencies.

          -    Contacting creditors to report the fraud (where allowed by
               creditor policy) or completing a creditor letter for the customer
               to send to the creditor.

          -    Provide assistance in contacting regulatory agencies

               -    the specialist may prepare a law enforcement letter,
                    explaining the fraud, on behalf of the customer.

     -    Members are sent a Fraud First Aid Kit after their initial contact
          with the center. This brochure includes:

               -    helpful information

               -    credit reporting agency telephone numbers

               -    check verification systems telephone numbers

               -    SSN administration information

               -    Contact Information Sheet - so that the victim can keep
                    track of all contacts made during the credit recovery.

                                    Page B-8
<PAGE>

                                   Appendix B

                               MARKETING MATERIALS

Solicitation Materials: TBD

Fulfillment Materials: In providing the Equifax Credit Watch (Off-Line) services
under this agreement Intersections fulfillment materials will consist of the
following items:

                          1-BUREAU KIT

ADF PROFILE KIT 1 AUTHORIZED                          QTY
                  Cover, CreditWatch                   1
      P1117       Paper, Plain 11 x 17                 6
      E912        Envelope, 9 x 12 (Generic)           1

                         Notify Express

                                                      QTY
      P811        Paper, Plain 8.5 x 11                1
      E10DW       Envelope, #10                        1

               QUARTERLY CREDIT UPDATE(1-BUREAU)

                                                       QTY
      P811        Paper, Plain 8.5 x 11                 8
      E912        Envelope, 9 x 12 (Generic)            1

NOTE: The exact size of any of the fulfillment items described above may vary
based on the volume and size of the particular Member's credit information.

Additional Program Materials: Requests for development of additional materials,
inserts or customized materials in place of generic components will be reviewed
and agreed by Equifax and Intersections and may result in the adjustment of
associated cost components.

                                    Page B-9

<PAGE>

                                   Appendix C

                            Member List Data Elements

Phase 1 - Intersections will provide Equifax with membership information on a
regular basis to be agreed upon by both parties but not to exceed monthly. The
data provided in this membership file will include data fields such as those
listed below.

-        Member name

-        Member address,

-        Member email address

-        Member social security number

-        Member billing number

-        Member telephone number

-        Marketing code

-        Member enrollment date

-        Member cancellation date

-        Member billing date(s)

-        Member billing refund date(s)

-        Date of Birth

Phase 2 - Equifax and Intersections will agree on a method and frequency of
transmitting membership data in an automated format such as real time system to
system or batch files on regular daily intervals. The purpose of this data is
for inclusion into the Equifax Consumer Services master customer database.

                                    Page B-10

<PAGE>

                                   Appendix D

                     Enrollment and Cancellation Procedures

Intersections will process enrollments and cancellations based on the guidelines
below:

ENROLLMENT PROCEDURES

<TABLE>
<CAPTION>
MARKETING CHANNEL                     ENROLLMENT TRANSMISSION METHOD
-----------------                     ------------------------------
<S>                                  <C>
1. Online web Link                                **

2. Other*                                         **
</TABLE>

* Other includes Direct mail, billing statement inserts and fax enrollment forms

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

Note: Equifax and Intersections will agree on a resubmissions (retries) policy.

CANCELLATION PROCEDURES

Members may write or call Intersections in order to cancel their membership in
the Program for any reason. If the Member calls Intersections to cancel, the
phone specialist will attempt to retain the Member in the Program by discussing
the benefits of the Program. If Members still want to cancel their membership in
the Program, Intersections will process a refund of the Membership Fee according
to the guidelines listed below:

Steps:

1.       If the Member was billed the Membership Fee, the phone representative
         will offer to refund a prorated amount based on the time the Member was
         enrolled in the program per the Equifax refund policy to be supplied to
         Intersections.

                                    Page B-11

<PAGE>

                                   Appendix E

                           Customer Service Standards

         Intersections will perform customer service and meet at least the
following standards. Intersections will work with EQUIFAX to meet these
standards according to a mutually agreed upon Action Plan. The "Reporting
Required" corresponds with the requirements in Appendix H.

Intersections' inbound customer service hours are:

             Monday to Friday     8:00 a.m. to 8:00 p.m. Eastern time

<TABLE>
<CAPTION>
     SERVICE            TIME
    CRITERION         STANDARD                 MEASURE DEFINITION                   REPORTING REQUIRED
-----------------------------------------------------------------------------------------------------------
<S>                 <C>             <C>                                          <C>
Average speed of         **                            **                        Weekly / Monthly report of
answer                                                                           ACD activity
-----------------------------------------------------------------------------------------------------------
Abandonment rate         **                            **                        Weekly / Monthly report of
                                                                                 ACD activity
-----------------------------------------------------------------------------------------------------------
Customer                 **                            **                        Weekly Vendor Complaint
complaint                                                                        Report
resolution
-----------------------------------------------------------------------------------------------------------
Response to              **                            **                        Monthly Performance
Customer                                                                         Reports - Cancels &
request for                                                                      Cancel Code Reason
Cancel
-----------------------------------------------------------------------------------------------------------
Response to               **                            **                       TBD
Customer
request for
Additional
Reports
-----------------------------------------------------------------------------------------------------------
Response to e-mail       **                            **
service question
-----------------------------------------------------------------------------------------------------------
Membership Kit           **                            **                        Weekly Performance
Fulfillment                                                                      Reports - Fulfillment
                                                                                 Tracking & Inventory
                                                                                 Report
-----------------------------------------------------------------------------------------------------------
Remote                   **                            **                        N/A
monitoring
-----------------------------------------------------------------------------------------------------------
</TABLE>

----------
**  This information is confidential and has been omitted and filed separately
with the Securities and Exchange Commission.

                                    Page B-12

<PAGE>

The EQUIFAX Customer Service number is (800) 214-8199 and will be answered in a
manner to be determined by Equifax. This number will be owned by Equifax and
administered by Intersections. Intersections will be responsible for all calls
related to the offline Credit Watch product including billing, credit education,
fraud assistance, dispute resolution (when available) and membership calls.

                                    Page B-13

<PAGE>

                                   Appendix F

                              Service Fee Schedule

         Intersections will provide the services at the following fee schedule:

<TABLE>
<CAPTION>
                                           Amount
                                           ------
<S>                                        <C>        <C>
One Bureau Kit                              $**       per enrollment

One Bureau Quarterly Monitoring             $**       per quarterly report

One Bureau Notify Express                   $**       per month per enrollee

Customer Service At Equifax Standards       $**       per minute

VRU and 800 Line                            **

Data Entry Of Enrollments                   $**       per enrollment

Billing services                            $**       per transitions plus cost
</TABLE>

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

Intersections will provide the initial design and-development of marketing
materials and website. New materials and changes will be charged on a time and
material basis at actual out of pocket labor and material cost plus a **%
markup. Equifax must preauthorize additional work in writing.

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

Intersections will bill customer members on behalf of Equifax and remit net
amount due on a monthly basis with summary of members, gross and net revenue
including expenses and Intersections charges. Intersections will wire the net
amount to Equifax within 10 business days of the month end.

Non-Intersections Service Calls:

         Measured based on the number of
         Non-Intersections Service Calls processed each calendar
         month in which the entire call relates to matters other
         than Intersections Services                               $**/call***

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

         *** This fee will be charged only after the number of Non-Intersections
Service calls during the calendar month exceed **% of total Program inbound call
volume and will apply only to the number of calls that exceed the **% threshold.
Non-Intersections Service calls are defined as calls received from Members and
answered by the Intersections' Service Center in which none of the caller's
inquiries are about the Program and the primary inquiry is regarding another
EQUIFAX service.

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

         As of the effective date of this Agreement, Intersections does not have
the online systems capability to identify, track and record Non-Intersections
Service calls when they are

                                    Page B-14

<PAGE>

received. However, when that online systems capability is developed and tested
for accuracy and reliability, Intersections will have the right to charge the
fee, subject to at least 1 month's prior written notice to EQUIFAX certifying
that testing has been successfully completed.

                                    Page B-15

<PAGE>

                                   Appendix G

                                  Report Forms

On a monthly basis Intersections will provide in an electronic media, to be
agreed upon, a listing of all members, their gross charges, deductions and
Intersections service fee calculation.

Intersections will provide additional information as mutually agreed.

                                    Page B-16

<PAGE>

                                   Appendix H

                           Privacy and Opt-Out Notices

                 CREDIT WATCH PRIVACY POLICY AND OPT-OUT NOTICES

         We, Equifax Consumer Services, Inc. and Intersections Inc. (our
fulfillment contractor), understand and respect your desire to know how
information about you will be collected and used, how that data will be
disclosed, who will have access to it, how it will be secured and what choices
you have in controlling it. The following statements describe our information
privacy policy, specific information practices and opt-out procedures.

                             INFORMATION WE COLLECT

         We collect nonpublic personal information about you such as name,
address, driver's license information and e-mail addresses, from the following
sources:

         -        Information we receive from you, such as when you register for
                  and order services (the "Services") or when you send us
                  e-mail, applications and other forms.

         -        Information about your transactions with us, our affiliates or
                  others, such as which products and services you requested.

         -        Information we receive from third parties, such as consumer
                  reporting agencies and companies that provide demographic
                  information.

         We use this information to provide you the Services, support for the
Services, and information about our Services, as well as for various internal
business purposes such as: customer service; fraud prevention; and broadening
and improving the services and products we can offer.

                             INFORMATION WE DISCLOSE

         We may disclose any of the information we collect, as described above,
to the following types of unaffiliated third parties (companies that are not
owned or controlled by us) for various business purposes, including marketing
and joint business efforts for other related and unrelated products and
services:

         -        Financial services providers, such as banks and mortgage
                  lenders.

         -        Non-financial companies, such as retailers, direct marketers
                  and publishers.

         -        Others, as permitted by law.

         We may also disclose any of the information we collect to companies
that perform marketing services on our behalf and other financial institutions
with which we have joint marketing agreements.

                                   Page B-17

<PAGE>

         We may also disclose any of the information we collect to affiliates,
which are companies that are related to us by common ownership or affiliated
with us by common control.

         We may disclose any of the information described above to our
affiliates and the types of unaffiliated third parties described above whether
you are a consumer who purchases a one-time service, a customer with whom we
have an ongoing relationship, or a former customer.

                              YOUR RIGHT TO CHOOSE

         You may direct us not to disclose to nonaffiliated third parties any
nonpublic personal information that we collect about you in connection with any
of the Services that you obtain from us. This is called "opting out." To do so,
you must call us at the following toll-free phone number: (888) 532-0179 and
tell us that you want to opt out of such disclosures. Please note that your
decision to opt out will not apply to certain disclosures that are specifically
permitted by law.

                         KEEPING YOUR INFORMATION SECURE

         Except as set forth in the "INFORMATION WE DISCLOSE" section above, we
restrict access to nonpublic personal information about you to only those who
have a need to know that information in connection with the purposes for which
it is collected and used. Additionally, we maintain physical, electronic, and
procedural safeguards to guard nonpublic personal information about you.
Further, nonpublic personal information we collect is subject to numerous
measures designed to help protect it from unauthorized access or alteration.

                               KEEPING UP-TO-DATE

         We want you to be fully informed about how we will protect your
privacy. We may change our privacy policy in the future, but we will not change
our practices until we have notified you. You agree that we may notify you of
changes in our policy via mail. If you have any questions about our Privacy and
Opt Out Notices or about our information practices, you can send us your
question by email at customer.care@equifax.com or you may call us at the
following toll-free phone number: (888) 532-0179.

         These Notices apply to individuals using the Services for personal,
family or household purposes. Certain practices described and rights provided
herein may not apply to institutional users or individuals who use the Services
for business purposes.

                                    PAGE B-18

<PAGE>

                                   EXHIBIT B-1
                        CREDIT WATCH - ONLINE ENROLLMENT

1.       RESPONSIBILITY

Intersections will provide to Equifax a means whereby its Affiliate Partners can
via the internet order the Credit Watch (Off-line) service.

2.       DESCRIPTION OF SERVICE

-    In connection with the Credit Watch (Off-line) Service, Intersections will
     design certain online order pages with Equifax branding which Intersections
     will then host on a separately established webpage to enable online
     ordering of the Credit Watch (Off-line) Service.

-    Equifax will create an electronic link on its Affinity Partners website to
     enable consumers visiting that website to link over to the Intersections
     hosted order page and order the Credit Watch (Off-line) Service.

-    Equifax will cooperate with Intersections in designing the webpage and in
     providing the Equifax Marks to be included in the page.

-    Equifax shall have final approval of the content of the web pages and shall
     own all right, title and interest in and to such content.

-    Intersections will process the Members enrolling via the Equifax Credit
     Watch-Online Enrollment in the same manner as they do the consumers
     enrolling in any other manner for the Equifax Credit Watch (Off-line)
     Service.

-    The planned launch of the Equifax Credit Watch-Online Ordering is December
     4, 2001.

-    Equifax Credit Watch(TM) is a trademark of Equifax Inc.

-    Equifax will perform the following duties to facilitate Intersections
     delivery of the Service:

     -    Install the link on its Affinity Partners website to facilitate
          consumers ordering Equifax Credit Watch (Off-line) through that site.

3.       COST/FEES.

                                    Page B-19

<PAGE>

This is no separate fee to be paid by either party for this service.

4.       PERFORMANCE STANDARDS/SERVICE LEVELS

In providing the Online Ordering Services, Intersections will comply with
Section 15 (Provisions Relating to Networks and Systems) of the Master Agreement
and Exhibit I (Internet Service Standards).

5.       ADDITIONAL TERMS.

-    CUSTOMERS

-    Customers ordering the Equifax Credit Watch (Off-Line) Service via the
     Online Enrollment process shall be considered Equifax customers and
     Intersections shall use the User Information regarding such customers only
     to provide the Credit Watch (Off-line) Services hereunder and for no other
     purpose.

                                    Page B-20

<PAGE>

                                    EXHIBIT C

                    ONLINE-DISTRIBUTION OF TRI-BUREAU REPORT

1.       RESPONSIBILITY

Equifax shall provide to Intersections the capability for consumers to order via
the internet the Intersections Tri-Bureau credit report for online electronic
delivery.

2.       DESCRIPTION OF SERVICE

-    Equifax will provide online ordering capability for Intersections
     Tri-Bureau credit report on its public and Affinity web sites to enable
     online ordering of Intersections Tri-Bureau Report.

     -    To facilitate online purchase of Intersections Tri-Bureau report,
          Equifax will authenticate the consumer, collect enrollment data,
          consumer consent, and billing information.

     -    Equifax will then transmit a request for report to Intersections.

     -    Intersections will process billing the consumer and create and display
          the Tri-Bureau report on a stand alone Intersections site or pop up
          browser which will not have connectivity to the rest of the
          Intersections website.

     -    Intersections shall establish appropriate connectivity to enable it to
          receive system to system transmission of requests.

-    Equifax will provide to Intersections drafts of the webpages' content and
     Intersections shall review the same and the parties will agree on the
     appropriate content to be used.

-    Intersections shall provide to Equifax the Intersections Marks to be used
     on the pages.

-    Intersections will process and fulfill orders for Members enrolling via the
     online process in accordance with this Exhibit.

-    The planned launch of the Tri-Bureau Online ordering is January 15, 2002.

3.       COST/FEES.

                                    Page C-1

<PAGE>

-    $** per Tri-Bureau report.

-    Intersections shall pay to Equifax a commission of the net difference
     between the retail price realized by Intersections and $** for each
     Tri-Bureau report purchased through the Equifax web site. Billing (retail)
     to be done by Intersections with net revenues (net of billing costs) being
     passed to Equifax as commission.

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

-    Price includes Equifax, TU and Experian files.

-    Price includes Credit Education (Customer Service) cost.

-    Equifax and Intersections will mutually agree on the retail price

-    Equifax will be responsible for the authentication

-    The Parties shall mutually agree on:

     -   Amounts to be paid to Intersections for costs incurred where a credit
         file(s) is pulled but the Service cannot be delivered to a Member
         online

     -   Whether to offer offline fulfillment of the Service and what fee shall
         be payable to Intersections with respect to such fulfillment.

4.       PERFORMANCE STANDARDS/SERVICE LEVELS

In providing the Tri-Bureau online Ordering Service Equifax and Intersections
shall comply with Section 15 (Provisions Relating to Networks and Systems) of
the Agreement and Exhibit J-lnternet Service Standards, the standards set forth
in the Privacy and Opt Out Notices on the Equifax public and Affiliate websites,
and the Additional Terms below.

5.       ADDITIONAL TERMS

-    CUSTOMERS

-    Customers ordering the Tri-Bureau Report via the Online Service shall be
     considered joint customers of Equifax and Intersections and the parties
     shall agree on how each may use the User Information relating to such
     consumers.

-    DETAILED DESCRIPTION

                              TRANSACTIONS REQUEST

-

-    **

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

                                    Page C-2

<PAGE>

                                BILLING REQUESTS

**

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

                            CREDIT BUREAU PROCESSING

**

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

                              EQUIFAX TRANSACTIONS

**

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

                                    Page C-3

<PAGE>

                           INTERSECTIONS TRANSACTIONS
**

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

                 PURCHASE, SERVICE AND CANCELLATION PROCEDURES

Intersections will process orders and cancellations based on the guidelines
below:

PURCHASE PROCEDURES

1. MARKETING CHANNEL                          PURCHASE TRANSMISSION METHOD

Online web orders only                  Equifax hosts the order, authentication
                                        and credit card entry pages. Consumers
                                        will be linked to an Intersections page
                                        or pop up browser for display of their
                                        report.

CANCELLATION PROCEDURES

The refund policy on transaction sales is "All sales are Final". Consumers who
do not accept this policy must be referred to an Intersections manager for final
resolution.

                                    Page C-4

<PAGE>

SERVICE PROCEDURES

-    In order to service customers who purchase tri-bureau profiles
     Intersections will establish a new 800 service number.

-    Members who call this number will be routed to an Intersections managed
     AT&T network VRU.

-    Based on VRU entries by the member the service call will be routed by AT&T
     to the appropriate Equifax or Intersections Service location.

-    VRU options and costs will be jointly agreed upon by Equifax and
     Intersections

-    Hours of service will be 8:00 AM to 8:00 PM Monday through Friday.

-    Intersections agrees that the 800 number assigned for service under this
     agreement will be managed by Intersections and that Equifax at its request
     may assume responsibility and ownership for the number. Intersections
     agrees to cooperate and assist in the movement of the 800 number to Equifax
     at such time.

-    The Customer Service number referred to in this section is (800) 226-3736.

                                    Page C-5

<PAGE>

                                    Exhibit D
                       New Product Development Cooperation

**

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

                                  Exhibit D-1
                   Extension Product Development Cooperation

**

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

                                  Exhibit D-2
                         Product Convergence Cooperation

**

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

                                  Exhibit D-3
                         Marketing Channels Cooperation

**

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

                                    Page D-1

<PAGE>

                                   EXHIBIT D-4

                                [NAME OF SERVICE]

1.       Detailed description of the service to be provided, including:

                  -        Identification of each Party's obligations to the
                           other

                  -        Which Party "owns" the product/Service

                  -        Treatment of User Information

                  -        Which Party owns the customers

                  -        Applicability of Privacy Policies

                  -        License of any Marks

                  -        Ownership of Intellectual Property

2.       How are cost incurred and revenues realized to be borne by the Parties

3.       Time table

4.       Performance Standards and Service Levels including customer service and
         any deliverables, etc.:

5.       Other Terms

This Exhibit shall operate as an addendum and amendment to that certain Master
Agreement for Marketing, Operational and Cooperative Services entered into by
and among Equifax Consumer Services, Inc, Intersections Inc., and CreditComm LLC
as of November 27, 2001 (the "Master Agreement"). All terms of the Master
Agreement shall remain in full effect except to the extent specifically altered
or conflicted by this Exhibit.

EQUIFAX CONSUMER SERVICES INC.             INTERSECTIONS INC.

By:_________________________________       By:__________________________________

Name: ______________________________       Name: _______________________________

Title:______________________________       Title:_______________________________

CREDITCOMM SERVICES, LLC

By:_________________________________

Name: ______________________________

Title:______________________________

                                    Page D-9

<PAGE>
                                   EXHIBIT E

                                 DATA AGREEMENT

          [Filed as Exhibit 10.6 to the Registration Statement on Form S-1
                            (File No. 333-111194)]

<PAGE>
                                   EXHIBIT F

                          CREDIT MONITORING AGREEMENT

          [Filed as Exhibit 10.7 to the Registration Statement on Form S-1
                            (File No. 333-111194)]
<PAGE>

                              Exhibit G

Existing Intersections Clients Using Trans Union Authentication Services

**

----------
**  This information is confidential and has been omitted and filed
    with the Securities and Exchange Commission.
<PAGE>

                                    EXHIBIT H

                    INTERSECTIONS WEB SITE HOSTING AGREEMENT

                  This Web Site Hosting Agreement ("Agreement") is made and
entered into as of the____ day of__________, 2001 ("Effective Date"), by and
between: EQUIFAX INFORMATION SERVICES, INC., a Georgia corporation with its
principal place of business at 1550 Peachtree Street, NW, Atlanta, Georgia 30309
("Equifax"), and Intersections Inc. ("Intersections"). Equifax and Intersections
are each referred to as a party and collectively as the "parties."

         1.       SERVICES

                  1.1.     Services. In connection with a certain Marketing,
                           Operational and Cooperative Services Agreement, dated
                           as of November 27, 2001 (the "Commercial Agreement"),
                           entered into by Equifax Consumer Services, an
                           affiliate of Equifax, Inc., CreditComm Services LLC,
                           a affiliate of Intersections, and Intersections,
                           Equifax agrees to perform and provide to
                           Intersections, services consisting of non-exclusive
                           electronic access to a digital information
                           processing, transmission and storage system
                           ("Server") to store Intersections's website ("Site")
                           and make the Site available on and via the global
                           computer communications network ("Internet"), all as
                           set forth and specified in this Agreement and Exhibit
                           A ("Services"). Intersections agrees that the
                           Services will not include any website development
                           services, authorship or creation with respect to the
                           Site or other services not specified herein. The
                           Services will be performed utilizing the software and
                           hardware to be purchased and owned and/or licensed
                           by/to Equifax as listed in Exhibit B (the "Equipment
                           Purchase"), as may be modified, updated and/or
                           supplemented by Equifax from time to time.
                           Intersections may request that Equifax modify, update
                           or supplement the software and hardware listed in
                           Exhibit B, which request Equifax will review for
                           approval in good faith; provided, however, that
                           Intersections shall pay Equifax for all charges
                           incurred and/or allocated by Equifax in connection
                           with such modification, update and/or supplement.
                           Notwithstanding the above, this section 1.1 is
                           subject to and limited by Exhibit C, "Transition
                           Period Services."

                  1.2.     Availability of Services. Subject to the terms and
                           conditions of this Agreement, Equifax will use
                           commercially reasonable efforts to provide the
                           Services for twenty-four (24) hours a day, seven (7)
                           days a week throughout the term of this Agreement.
                           Intersections agrees that from time to time the
                           Services may be inaccessible or inoperable for any
                           reason, including, without limitation: (i) equipment
                           malfunctions; (ii) periodic maintenance procedures or
                           repairs which Equifax may undertake from time to
                           time; or (iii) causes beyond the control of Equifax
                           or which are not reasonably foreseeable by Equifax,
                           including, without limitation, interruption or
                           failure of telecommunication or digital transmission
                           links, hostile network attacks, network congestion or
                           other failures. Intersections agrees that Equifax
                           does not represent or warrant the availability of
                           Services on a continuous or uninterrupted basis.
                           Equifax will provide Intersections with reasonable
                           advance notice for all scheduled times in which the
                           Services will be inoperable or inaccessible. Promptly
                           after becoming aware that the Services are inoperable
                           or inaccessible due to an unscheduled condition
                           causing inoperability or inaccessibility, Equifax
                           will notify Intersections of the condition.
                           Notwithstanding the above, this section 1.2 is
                           subject to and limited by Exhibit C, "Transition
                           Period Services."

                  1.3.     Equifax Materials. In connection with performance of
                           the Services and at the sole discretion of Equifax,
                           Equifax may provide to Intersections certain
                           materials, including, without limitation, computer
                           software (in object code or source code form), data,
                           documentation or information developed or provided by
                           Equifax or its suppliers under this Agreement, domain
                           names, electronic mail addresses and other network
                           addresses assigned to Intersections, and other
                           know-how, methodologies, equipment, and processes
                           used by Equifax to provide the Services to
                           Intersections ("Equifax Materials"). Equifax
                           Materials

                                        1
<PAGE>

                           do not include any software, models, information or
                           other materials licensed to Intersections under the
                           Services Agreement.

                  1.4.     Intersections Content. Intersections shall be solely
                           responsible for providing, updating, uploading and
                           maintaining the Site and any and all files, pages,
                           data, works, information and/or materials on, within,
                           displayed, linked or transmitted to, from or through
                           the Site, including, without limitation, trade or
                           service marks, images, photographs, illustrations,
                           graphics, audio clips, video clips, email or other
                           messages, metatags, domain names, software and text
                           ("Intersections Content"). Intersections shall be
                           solely responsible for the maintenance and security
                           of the Site and their systems, including without
                           limitation, content management. The Intersections
                           Content shall also include any registered domain
                           names provided by Intersections or registered on
                           behalf of Intersections in connection with the
                           Services. To the extent that Equifax is required to
                           receive, load or otherwise handle Intersections
                           Content in order to perform the Services, all
                           Intersections Content to be displayed on the Site
                           shall be provided to Equifax in a "server-ready"
                           condition, which is a condition whereby such
                           Intersections Content is compatible with Equifax's
                           software, hardware and other systems and requires no
                           additional manipulation by Equifax; in the event the
                           Intersections Content is not "server-ready", Equifax
                           retains the right to reject such material.
                           Notwithstanding the above, this section 1.4 is
                           subject to and limited by Exhibit C, "Transition
                           Period Services."

         2.       LICENSES AND PROPRIETARY RIGHTS

                  2.1.     License of Intersections Content. Intersections
                           grants to Equifax a non-exclusive, non-transferable
                           license, for the term of this Agreement, to copy,
                           display, use and transmit on and via the Internet the
                           Intersections Content in connection with Equifax's
                           performance or enforcement of this Agreement.

                  2.2.     [Section intentionally omitted]

                  2.3.     Equifax Proprietary Rights. Equifax retains all
                           right, title and interest (including copyright and
                           other proprietary or intellectual property rights) in
                           the Equifax Materials and all legally protectable
                           elements, derivative works, modifications and
                           enhancements relative to the Equifax Materials (the
                           "Equifax Derivative Materials"). To the extent that
                           ownership of the Equifax Materials do not
                           automatically vest in Equifax by virtue of this
                           Agreement or otherwise, Intersections agrees to
                           transfer and assign to Equifax all right, title and
                           interest in the Equifax Materials and Derivative
                           Materials. Upon any termination or expiration of this
                           Agreement, Intersections shall return all Equifax
                           Materials (including the Equifax Derivative
                           Materials) to Equifax and erase and remove all copies
                           of all Equifax Materials (including the Equifax
                           Derivative Materials) from any computer equipment and
                           media in Intersections' possession, custody or
                           control.

                  2.4.     Intersections Proprietary Rights. Intersections
                           retains all right, title and interest (including
                           copyright and other proprietary or intellectual
                           property rights) in the Intersections Content and all
                           legally protectable elements, derivative works,
                           modifications and enhancements relative to the
                           Intersections Content (the "Intersections Derivative
                           Content"). To the extent that ownership of the
                           Intersections Content does not automatically vest in
                           Intersections by virtue of this Agreement or
                           otherwise, Equifax agrees to transfer and assign to
                           Equifax all right, title and interest in the
                           Intersections Content and Intersections Derivative
                           Content. Upon any termination or expiration of this
                           Agreement, Equifax shall promptly return all
                           Intersections Content (including the Intersections
                           Derivative Content) to Equifax and erase and remove
                           all copies of all Intersections Content (including
                           the Intersections Derivative Content) from any
                           computer equipment and media in Equifax's or its
                           agents possession, custody or control.

                                        2

<PAGE>

         3.       SITE AND SERVICES TERMS AND LIMITATIONS

                  3.1.     Storage and Security. Equifax will provide
                           Intersections with virtual private networking access
                           to the Server and Site so that Intersections can
                           update and modify the Intersections Content on the
                           Server and Site. Intersections is solely responsible
                           for procuring all "front-end" communications
                           equipment and connections linking Intersections'
                           network to the Internet. Intersections has sole
                           responsibility for maintaining all necessary access
                           control mechanisms and security protocols to ensure
                           the security of and limited availability to the
                           virtual private network access to the Server and
                           Site. Intersections grants Equifax the right to
                           perform security audits of Intersections's systems
                           and procedures to ensure Intersections's compliance
                           with this Section 3.1. Equifax will use commercially
                           reasonable efforts to make a full tape back-up of the
                           Intersections Content on a weekly basis and perform
                           daily incremental tape back-ups of the Intersections
                           Content, with hourly copies of database roll-back log
                           to disk. Notwithstanding the above, this section 3.1
                           is subject to and limited by Exhibit C, "Transition
                           Period Services."

                  3.2.     Acceptable Use Policy. Intersections is solely
                           responsible for all acts, omissions and use of the
                           Services, the Site or any Intersections Content or
                           other content displayed, linked, transmitted through
                           or stored on the Server. Intersections agrees not to
                           engage in unacceptable use of any Services, which
                           includes, without limitation, use of the Services to:
                           (i) disseminate or transmit unsolicited messages,
                           chain letters or unsolicited commercial email; (ii)
                           disseminate, transmit or link to any material that,
                           to Equifax may be abusive, obscene, pornographic,
                           defamatory, harassing, grossly offensive, vulgar,
                           threatening or malicious; (iii) disseminate, transmit
                           or link to files, graphics, software or other
                           material, data or work that actually or potentially
                           infringes the copyright, trademark, patent, trade
                           secret or other intellectual property right of any
                           person; (iv) create a false identity or to otherwise
                           attempt to mislead any person as to the identity,
                           source or origin of any communication; (v) export,
                           re-export or permit downloading of any message or
                           content in violation of any export or import law,
                           regulation or restriction of the United States and
                           its agencies or authorities, or without all required
                           approvals, licenses and/or exemptions; (vi)
                           interfere, disrupt or attempt to gain unauthorized
                           access to any computer system, server, network or
                           account for which Intersections does not have
                           authorization to access or at a level exceeding
                           Intersections's authorization; (vii) disseminate or
                           transmit any virus, trojan horse or other malicious,
                           harmful or disabling data, work, code or program; or
                           (viii) engage in any other activity deemed by Equifax
                           to be in conflict with the spirit or intent of this
                           Agreement or any Equifax policy.

                  3.3.     Rights of Equifax. Intersections agrees that Equifax
                           may remove or disable access to all or any portion of
                           the Site or Intersections Content stored on the
                           Server if Intersections or the Intersections Content
                           breaches its obligation under this Agreement or
                           violates any law, rule, regulation or Equifax policy.
                           Equifax has no obligation to monitor the Site or any
                           Intersections Content, but reserves the right in its
                           sole discretion to do so.

                  3.4.     No Use of Trademarks or Intellectual Property of
                           Equifax. Intersections has no right to use the
                           Equifax name, logo or any other trademarks or service
                           marks of Equifax in any advertising, signage,
                           marketing materials or other materials in any medium,
                           including without limitation, on the Site, without
                           the express advance written permission of Equifax.
                           Such permission may be given or denied by Equifax in
                           its sole discretion and, if given, will be subject to
                           applicable usage procedures and standards of Equifax.

         4.       PAYMENT TERMS. Intersections shall pay Equifax for the
                  Services as follows:

                  4.1.     Intersections shall pay Equifax a nonrecurring "set
                           up" fee in the amount of $** ("Nonrecurring Fee")
                           within ** days of the Effective Date of this
                           Agreement.

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

                                        3
<PAGE>

                  4.2.     Beginning on the date that Equifax begins hosting the
                           Site either pursuant to Exhibit C or by providing the
                           Services set forth in this Agreement, but in no event
                           later than ** months from the date of this Agreement,
                           pro-rated as applicable in the month hosting begins
                           or on such six month date, Intersections shall pay
                           Equifax a recurring fee in the amount of $** per **
                           ("Recurring Fee") due in advance and payable no later
                           than ** days after receipt of Equifax's invoice. Such
                           Recurring Fee shall be increased by $** per **
                           (totaling $** per **) effective upon the date of the
                           Equipment Purchase (as set forth in Section 1.1),
                           pro-rated as applicable in the month of purchase.

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

                  4.3.     If ISDN connectivity, toll-free access, international
                           or non-continental service or other extraneous
                           services, facilities or communications connections
                           are provided by Equifax, same will be for a separate
                           charge as invoiced by Equifax, payable by
                           Intersections no later than thirty (30) days after
                           receipt of Equifax's invoice.

                  4.4.     In the event that Intersections exceeds the scope of
                           the Services as set forth at Exhibit A, including but
                           not limited to, additional hardware, software or
                           communications equipment, available bandwidth,
                           traffic, etc. ("Additional Charges"), Intersections
                           shall pay Equifax for all charges and expenses
                           incurred or allocated by Equifax and invoiced
                           (payable within thirty (30) days after receipt),
                           and/or such revised Recurring Fee as the parties
                           negotiate in good faith.

                  4.5.     Interest will accrue daily on all amounts not timely
                           paid at the rate of **% per month. The prices/fees
                           are exclusive of any federal, state or local sales,
                           excise, use, value-added or other taxes with respect
                           to the Services under this Agreement, which taxes are
                           the sole responsibility of Intersections to pay those
                           taxes, and Equifax may separately invoice them (with
                           the exception of taxes on income of Equifax, which
                           shall at all times remain the responsibility of
                           Equifax).

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

         5.       LIMITED WARRANTIES AND DISCLAIMER

                  5.1.     Equifax Limited Warranties. Equifax warrants that (i)
                           it, and each of the subcontractors that it uses to
                           provide and perform the Services, have the necessary
                           knowledge, skills, experience, qualifications and
                           resources to provide and perform the Services in
                           accordance with this Agreement; (ii) the Services
                           will be performed in a diligent, workmanlike manner
                           which meets or exceeds industry standards applicable
                           to the performance of such services; and (iii) that
                           the Services, throughout the term of this Agreement
                           shall conform substantially to the specifications as
                           set forth in Exhibit A, as subject to and limited by
                           Exhibit C, "Transition Period Services."

                  5.2.     Intersections Warranties. Intersections warrants
                           that: (i) it has the power and authority to enter
                           into and perform its obligations under this
                           Agreement; (ii) the Intersections Content does not
                           and shall not contain any content, materials, data,
                           work, trade or service mark, trade name, link,
                           advertising or services that actually or potentially
                           violate any applicable law or regulation or infringe
                           or misappropriate any proprietary, intellectual
                           property, contract or tort right of any person or the
                           terms of this Agreement; and (iii) it owns the
                           Intersections Content and all proprietary or
                           intellectual property rights therein, or has express
                           authorization from the owner to copy, use and display
                           the Intersections Content on and within the Site.

                  5.3.     Disclaimer of Warranty. EXCEPT AS EXPRESSLY STATED IN
                           THIS SECTION 5, EQUIFAX MAKES NO OTHER WARRANTIES,
                           EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION,
                           ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND/OR
                           FITNESS FOR A PARTICULAR PURPOSE, CONCERNING ANY
                           SUBJECT MATTER OF THIS AGREEMENT.

                                        4
<PAGE>

         6.       LIMITATION OF LIABILITY. NEITHER PARTY WILL BE LIABLE TO THE
                  OTHER PARTY OR ANY THIRD PARTY FOR ANY SPECIAL, EXEMPLARY,
                  PUNITIVE, INDIRECT. MULTIPLE, INCIDENTAL OR CONSEQUENTIAL
                  DAMAGES ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT
                  WHETHER BASED IN CONTRACT, TORT (INCLUDING, WITHOUT
                  LIMITATION, NEGLIGENCE) OR ON ANY OTHER LEGAL OR EQUITABLE
                  GROUNDS. EXCEPT FOR THE FEES AND EXPENSES PAYABLE BY
                  INTERSECTIONS TO EQUIFAX, IN NO EVENT WILL EITHER PARTY BE
                  LIABLE TO THE OTHER PARTY IN THE AGGREGATE WITH RESPECT TO ANY
                  AND ALL BREACHES AND DEFAULTS UNDER THIS AGREEMENT FOR AN
                  AMOUNT GREATER THAN THE FEES PAID BY INTERSECTIONS TO EQUIFAX
                  DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY ACT OR OMISSION
                  GIVING RISE TO ANY POTENTIAL LIABILITY.

         7.       INDEMNIFICATION

                  7.1.     By Intersections. Intersections shall indemnify,
                           defend and hold Equifax and its affiliates harmless
                           upon demand, from and against any and all
                           liabilities, claims, demands, actions, causes of
                           action, suits, costs, damages, compensation,
                           penalties, expenses (including, without limitation,
                           attorney's fees and costs of litigation) and
                           obligations of any kind or nature whatsoever arising
                           out of or related in any way to any claim, demand,
                           suit and/or judgment brought or asserted by any third
                           party against Equifax or any of its affiliates
                           resulting from: (i) Intersections's breach of Section
                           3.2 or its obligations as described and contemplated
                           in Exhibit C; (ii) Intersections' use of the Services
                           or an Internet user's use of the Services or access
                           to the Site; (iii) any allegation that the Site or
                           Intersections Content infringes a third person's
                           copyright, trademark or proprietary or intellectual
                           property right, or misappropriates a third person's
                           trade secrets; or (iii) Intersections's gross
                           negligence or willful misconduct. Intersections
                           agrees that Equifax shall have the right to
                           participate in the defense of any such claim through
                           counsel of its own choosing.

                  7.2.     By Equifax. Equifax shall indemnify, defend and hold
                           Intersections harmless upon demand, from and against
                           any and all liabilities, claims, demands, actions,
                           causes of action, suits, costs, damages,
                           compensation, penalties, expenses (including, without
                           limitation, attorney's fees and costs of litigation)
                           and obligations of any kind or nature whatsoever
                           arising out of or related in any way to any claim,
                           demand, suit and/or judgment brought or asserted by
                           any third party against Intersections or any of its
                           affiliates resulting from claims based on (i) any
                           allegation that the Equifax Materials infringe a
                           third person's copyright, trademark or proprietary or
                           intellectual property right, or misappropriates a
                           third person's trade secrets; or (ii) Equifax's gross
                           negligence or willful misconduct. Equifax agrees that
                           Intersections shall have the right to participate in
                           the defense of any such claim through counsel of its
                           own choosing.

         8.       TERM AND TERMINATION

                  8.1.     Term. Except as provided in this Section 8, this
                           Agreement shall be for an initial term of five (5)
                           years, commencing with the Effective Date hereof. The
                           Agreement shall automatically renew for successive
                           one (1) year terms unless terminated by either party
                           upon thirty (30) days prior written notice to the
                           other party of its intent not to renew.

                  8.2.     Right to Purchase. One (1) year after the Effective
                           Date, Intersections will have the right to purchase
                           from Equifax the hardware, software and other
                           equipment used to provide the Services as identified
                           on Exhibit B (the "System") in order to transfer the
                           System to Intersections. Equifax will only transfer
                           to Intersections the portions of the System that it
                           is permitted to or capable of transferring. If
                           Intersections desires to exercise this option, the
                           parties will negotiate in good faith a mutual
                           agreement for the purchase price for the System,
                           giving consideration to current and future
                           depreciation schedules and transition periods, and
                           all other terms and conditions relating to such
                           purchase; provided, however,

                                        5
<PAGE>

                           that the then current book value of the equipment
                           shall be the primary basis for determination of such
                           purchase price.

                  8.3.     Termination. Either party may terminate this
                           Agreement immediately upon the occurrence of any one
                           or more of the following events: (i) any material
                           breach by the other party of any term of this
                           Agreement which such breaching party fails to cure
                           within thirty (30) days of its receipt of written
                           notice of such breach from the nonbreaching party;
                           and (ii) upon the termination or expiration of the
                           Services Agreement.

                  8.4.     Rights Upon Termination. In the event this Agreement
                           is terminated for any reason, Intersections shall pay
                           Equifax, on a pro rata basis, for all Services
                           provided to Intersections up to the date of
                           termination.

                  8.5.     Impracticability. Notwithstanding anything to the
                           contrary in this Agreement, if the continued
                           provision of all or any portion of the Services
                           becomes impossible, impractical, or undesirable due
                           to a change in applicable federal, state or local
                           laws or regulations, as determined by Equifax in its
                           reasonable judgment, Equifax and Intersections will
                           in good faith renegotiate the affected portion of the
                           Services and this Agreement. Equifax may suspend the
                           affected portion of the Information Services until
                           the parties have completed the renegotiation of the
                           Agreement. Equifax will attempt to provide written
                           notice of its actions as far in advance of the
                           effective date as is reasonably possible under the
                           circumstances.

         9.       CONFIDENTIALITY. A party's "Confidential Information" is
                  defined as any confidential or proprietary information of a
                  party that is treated as secret by that party and its
                  affiliates (that is, it is the subject of efforts by that
                  party and its affiliates that are reasonable under the
                  circumstances to maintain its secrecy). Each party will
                  protect the other party's Confidential Information with at
                  least the same level of care that it uses to protect its own
                  information of a similar nature, but in no event less than a
                  reasonable standard of care, and will not disclose that
                  Confidential Information to third parties nor use the other
                  party's Confidential Information for any purpose other than as
                  required to perform under this Agreement. Confidential
                  Information does not include information which (a) is already
                  known by the recipient at the time of disclosure, (b) becomes,
                  through no act or fault of the recipient, publicly known or
                  available, (c) is received by recipient from a third party who
                  had a lawful right to and, without a breach of duty owed to
                  the disclosing party, did disclose such information to it, or
                  (d) is independently developed by recipient without reference
                  to the Confidential Information. Notwithstanding the
                  foregoing, either party may disclose the other party's
                  Confidential Information to its affiliates and/or
                  subcontractors who have a need to know the Confidential
                  Information and who agree to observe and abide by the
                  confidentiality obligations under this Agreement. The
                  restrictions on the Confidential Information will not apply to
                  Confidential Information that is required to be disclosed by a
                  court or government agency; however, the party obligated to
                  disclose the other party's Confidential Information will
                  promptly notify the other party so that it may seek a
                  protective order and will make a reasonable effort itself to
                  obtain a protective order for or otherwise protect the
                  Confidential Information. The parties' confidentiality
                  obligations under this Section 9 will continue indefinitely
                  for so long as the Confidential Information is a trade secret
                  under applicable law and will continue with regard to the
                  Confidential Information that is not a trade secret for two
                  (2) years following the termination of this Agreement, or
                  until that earlier date, if any, when it no longer qualifies
                  as Confidential Information. Each party acknowledges that
                  breach of this Section 9 could cause irreparable harm to the
                  other party for which monetary damages may be difficult to
                  ascertain or an inadequate remedy. Each party therefore agrees
                  that the disclosing party may, in addition to any other rights
                  and remedies, seek injunctive relief for any violation or
                  breach of this Section 9.

         10.      DISPUTE RESOLUTION. Any dispute arising out of or relating to
                  this Agreement will be resolved in accordance with the
                  applicable dispute resolution procedures specified in the
                  Services Agreement.

                                        6
<PAGE>

         11.      GENERAL

                  11.1.    Assignment. Intersections may not assign this
                           Agreement, or any portion thereof, without the prior
                           written consent of Equifax. Any transaction or series
                           of transactions including, without limitation, any
                           merger, consolidation, or other reorganization of
                           Intersections, or any Intersections affiliate, or
                           any issuance, sale, transfer or redemption of any
                           capital stock of Intersections, or interests in
                           Intersections, that results in a change of control of
                           Intersections, will be deemed to be an assignment of
                           this Agreement. Equifax may subcontract any of the
                           work, services, or other performance required of
                           Equifax under this contract without the consent of
                           Intersections. Equifax will be responsible for all
                           work performed by its subcontractors and agents as if
                           it were performing the work itself.

                  11.2.    Consent to Breach Not Waived. Neither party will, by
                           the lapse of time, and without giving written notice,
                           be deemed to have waived any of its rights under this
                           Agreement. No waiver of a breach of this Agreement
                           will constitute a waiver of any prior or subsequent
                           breach of this Agreement.

                  11.3.    Notices. Notices must be in writing, must be
                           delivered according to clause (a) or (b) below, and
                           must be delivered to the address set forth on the
                           signature page of this Agreement, or to such other
                           address as a party may designate by notice in
                           accordance with this provision. All notices under
                           this Agreement will be deemed given on the date of
                           delivery (a) by a nationally recognized overnight
                           courier, or (b) by certified mail, return receipt
                           requested.

                  11.4.    Force Majeure. Neither party will be liable to the
                           other for any delay or interruption in performance as
                           to any obligation hereunder resulting from
                           governmental emergency orders, judicial or
                           governmental action, emergency regulations, sabotage,
                           riots, vandalism, labor strikes or disputes, acts of
                           God, fires, electrical failure, major computer
                           hardware or software failures, equipment delivery
                           delays, acts of third parties, or delays or
                           interruptions in performance beyond its reasonable
                           control.

                  11.5.    Entire Agreement; Amendment. This Agreement and any
                           other agreement, Exhibit or Addendum referenced
                           herein, constitutes the entire agreement of the
                           parties with respect to the subject matter contained
                           herein and may not be amended except by a written
                           agreement that acknowledges modification of this
                           Agreement, and that is signed by an authorized
                           representative of Intersections and of Equifax, or as
                           otherwise expressly provided in this Agreement. This
                           Agreement will not be more strongly construed against
                           either party, regardless of who is more responsible
                           for its preparation.

                  11.6.    Severability. If any part of this Agreement is found
                           to be illegal or unenforceable, then that part will
                           be curtailed only to the extent necessary to make it,
                           and the remainder of the Agreement, legal and
                           enforceable.

                  11.7.    Applicable Law. This Agreement will be governed
                           solely by the internal laws of the State of Georgia,
                           without regard to principles of conflicts of law.

                  11.8.    Independent Contractor. Nothing in this Agreement
                           creates a joint venture, partnership, principal-agent
                           or mutual agency relationship between the parties. No
                           party has any right or power under this Agreement to
                           create any obligation, expressed or implied, on
                           behalf of the other party.

                  11.9.    Headings. The titles or captions used in this
                           Agreement are for convenience only and will not be
                           used to construe or interpret any provision hereof.

                  11.10.   Service. To maintain quality service, telephone
                           communications with Intersections may be monitored
                           and/or recorded without further notice or disclosure.

                                        7
<PAGE>

                  11.11.   Survival. The definitions of this Agreement and the
                           respective rights and obligations of the parties
                           under Sections 2.3, 4, 5, 6, 7, 8.4, 9, 10 and 11
                           shall survive any termination or expiration of this
                           Agreement.

         IN WITNESS WHEREOF, the parties, by their duly authorized
representatives, have executed this Agreement below.

             INTERSECTIONS CORPORATION       EQUIFAX INFORMATION SERVICES, INC.
ADDRESS:     PO BOX 222455                   1550 PEACHTREE STREET, NW
             CHANTILLY, VA 20153-2455        ATLANTA, GEORGIA 30309

SIGNED BY:   __________________________      SIGNED BY: ________________________
PRINTED NAME                                 PRINTED NAME:
TITLE:                                       TITLE:

                                        8
<PAGE>

                                    EXHIBIT A
                       HOSTING SERVICES AND SPECIFICATIONS

Notwithstanding the terms below, this Exhibit A is expressly subject to and
limited by Exhibit C, "Transition Period Services."

1.       Equifax shall make available to Intersections the WebSpace. For
purposes of this Exhibit, "WebSpace" shall mean the number of megabytes ("MB")
or gigabytes ("GB") of disk storage space per specific Server as set forth
below:

<TABLE>
<CAPTION>
      Server                              WebSpace
--------------------------------------------------
<S>                                       <C>
Database Server                            50gb
--------------------------------------------------
Application Server                         20gb
--------------------------------------------------
Web Server                                 250mb
--------------------------------------------------
</TABLE>

2.       Equifax shall make available to Intersections 2000 kilobits per second
of bandwidth capacity. For purposes of this Exhibit, "Bandwidth" shall be
defined as the total capacity of information which can be carried by a channel
of electronic communication, such as T1, ISDN, Frame Relay or other line of
communication, as measured in kilobytes per second ("KPS").

3.       The Services set forth in Section 1 and 2 of this Exhibit A above are
covered by the Recurring Charges. However, as set forth in section 4.4, whenever
the bandwidth capacity or WebSpace amount exceeds the amounts set forth in
Sections 1-2 above, surcharges above the Recurring Fees ("Additional Charges")
shall apply according to Equifax' then current rates.

4.       Equifax will provide the hardware and software listed on Exhibit B
hereto that is necessary for Intersections to access and receive the information
services provided under this Agreement.

5.       Intersections will utilize at least 128 bit SSL/TSL or equivalent
strength encryption to transmit all Confidential Information to and from
Equifax, Intersections and third parties. Intersections shall be responsible for
the procurement of SSL digital certificates to be utilized on Equifax's shared
web servers. The Services will be provided in a manner that will meet or exceed
generally accepted industry standards for Internet security and applicable
Equifax policies.

6.       Equifax will provide the following technical support to Intersections:

                  a)       provide Intersections a telephone/pager number for
                           direct technical response from knowledgeable and
                           experienced personnel with response times as agreed
                           to by the parties; and

                  b)       technical support for system, network and
                           backup/recovery issues.

         The fee to be paid by Intersections for such technical support services
shall be $** for the first ** calls; and should Intersections require additional
technical support, to the extent available and provided by Equifax,
Intersections shall pay $** per ** for such additional support.

----------
**  This information is confidential and has been omitted and filed
    with the Securities and Exchange Commission.

7.       Equifax will monitor systems for critical device information, such as
CPU utilization, using industry standard tools and techniques. Reports on system
resources will be made available to Intersections as reasonably requested on an
as needed basis.

8.       Equifax will make system and network personnel and resources available
to assist Intersections with audits for a period of ** total hours per year.
Should Intersections require additional time for audits, Equifax will make these
available at a rate of $** per **.

----------
**  This information is confidential and has been omitted and filed
    with the Securities and Exchange Commission.

                                        9
<PAGE>

9.       Equifax will make available to Intersections an Internet capable simple
         mail transfer protocol server (SMTP) to which to send mail.
         Intersections understands that their use of this service must comply
         with Section 3.2 of this document.

10.      With respect to the web hosting Services set forth in this Agreement.
         Equifax shall include Intersections as a covered customer under any
         "Disaster Recovery" plan Equifax has in place from time to time. The
         terms and conditions of any such plan shall be determined by Equifax in
         its sole discretion and may be changed from time to time. Upon
         occurrence of a "disaster" declared by Equifax, Equifax shall use its
         commercial best efforts to restore the Services in accordance with
         Equifax's disaster recovery plan in place at the time of the disaster.
         Intersections acknowledges that Equifax has made no guaranty or
         warranted any specific period of time for such recovery, and such
         period may exceed 120 days or more.

11.      Equifax agrees that with respect to the performance of the Services set
         forth in this Agreement, Equifax shall maintain ICSA or equivalent
         industry standard penetration testing to ensure network integrity and
         will re-certify same on an annual basis.

12.      The parties agree that within thirty (30) days from the date hereof,
         the parties will mutually agree upon additional service level
         obligations, which obligations will be (a) consistent with the service
         levels set forth in Exhibit I of the Services Agreement but only to the
         extent such levels are appropriate and applicable to the hosting
         services set forth in this Agreement, and (b) to the extent not
         inconsistent with the service levels currently set forth herein.

                                       10

<PAGE>

                                    EXHIBIT B

                              HARDWARE AND SOFTWARE

HARDWARE (Web Servers, Application Servers, Database Servers, Development
Servers)

         Four Sun 420R (or equivalent) servers

                  - Two configured with Sun Cluster and Oracle 8.1.X, with 50gb
                    shared DASD:

                           - DASD to be configured in a RAID1 fashion;

                  - Two configured with IBM WebSphere Application Server,
                    Advanced Edition Cabinets

SOFTWARE

         Equifax standard backup software;
         Solaris 8;
         WebSphere Application Server, Advanced Edition

                                       11

<PAGE>

                                    EXHIBIT C
                           TRANSITION PERIOD SERVICES

         In order to accommodate the request of Intersections, for a period of
up to six (6) months from the Effective Date of this document, Intersections may
utilize the Equifax Internet facility for hosting purposes only.

1.       Intersections shall be responsible for the shipment and installation of
all hardware, software and other necessary equipment. The hardware will remain
property of Intersections and shall be returned upon request, with shipment
covered at Intersections' expense. Equifax will provide environmentally
controlled datacenter floor space, power and network connectivity.

2.       Intersections shall be responsible for all maintenance of hardware and
software on their equipment.

3.       Intersections shall be responsible for the system administration,
maintenance and security of their equipment, including but not limited to backup
and recovery.

4.       Bandwidth capacity shall be limited as set forth in Sections 1-2 above,
and the surcharges above the Recurring Fees ("Additional Charges") shall apply
according to Equifax's then current rates.

5.       Equifax will provide "remote hands" for Intersections for a period of
up to 1 hour per week of this agreement. The remote hands service shall be
limited to power cycling hardware and exchanging tapes pursuant to
Intersections' written documentation. Equifax will ship Intersections' tapes off
site upon request using its standard provider for these services.

6.       Intersections will utilize at least 128 bit SSL/TSL or equivalent
strength encryption to transmit all Confidential Information to and from
Equifax, Intersections and third parties. Intersections shall be responsible for
the procurement of SSL digital certificates. The Services will be provided in a
manner that will meet or exceed generally accepted industry standards for
Internet security and applicable Equifax policies.

7.       Equifax will not monitor systems hosted under this transition services
arrangement.

During this transition period, with period shall end on that date which is
mutually agreed by the parties (not to exceed 6 months from the Effective Date),
Equifax shall only be responsible for providing environmentally controlled
datacenter floor space, power and network connectivity, and the obligations in 5
above. ALL OTHER OBLIGATIONS SET FORTH IN THIS AGREEMENT FOR PERFORMING THE
SERVICES SHALL BE, DURING SUCH TRANSITION PERIOD, THE RESPONSIBILITY OF
INTERSECTIONS AND NOT EQUIFAX. Equifax shall not be held liable for any loss
arising in any way out of actions, or in-actions, that are the responsibility of
Intersections during such transition period.

                                       12
<PAGE>

                                    EXHIBIT I
    **

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

                                    Page I-1

<PAGE>

                                    Page I-4
<PAGE>

                               ADDENDUM NUMBER TWO
                                       TO
                         MASTER AGREEMENT FOR MARKETING,
                      OPERATIONAL AND COOPERATIVE SERVICES

         THIS ADDENDUM NUMBER TWO ("ADDENDUM") to the Master Agreement for
Marketing, Operational and Cooperative Services dated as of November 27, 2001
(the "MASTER AGREEMENT") among Equifax Consumer Services, Inc., a Georgia
corporation ("EQUIFAX"), Intersections Inc., a Delaware corporation and
CreditComm Services LLC, a Delaware limited liability company, is made as of May
31, 2002. Intersections Inc. and CreditComm Services LLC are collectively
referred to herein as "INTERSECTIONS" and shall be jointly and severally
responsible for all obligations of Intersections hereunder. Capitalized terms
used herein and not otherwise defined shall have the meaning set forth in the
Agreement.

         WHEREAS, the Agreement sets forth the terms and conditions on which the
parties are to provide specified services to one another and to their respective
Users; and

         WHEREAS, the parties desire to provide similar services to customers of
third parties, initially including Capital One Bank and certain affiliates,
under private labeling arrangements; and

         WHEREAS, the parties intend to establish the terms and conditions on
which they will provide such similar services;

         NOW, THEREFORE, in consideration of the mutual promises contained
herein and other good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, the parties hereto agree as follows:

1.       Private Labeling Services. Each private labeling service opportunity
proposed by either party shall be deemed a Cooperative Opportunity and shall be
promptly and diligently evaluated by the parties as such, but without reference
to the timing requirements of Section 6.1.1 of the Master Agreement. If the
parties agree to pursue any such Cooperative Opportunity, they shall document
such agreement in the form of a "PROJECT AGREEMENT" that (i) makes reference to
this Addendum, (ii) provides the terms and conditions set forth in clauses (a)
through (k) of Section 6.1.1 of the Master Agreement, provided that inapplicable
terms may be omitted, and (iii) includes as an annex the underlying agreement
for services to be provided to the third party. The Project Agreement for the
Capital One project is attached hereto as Exhibit A.

2.       Master Agreement. Except as specifically set forth in this Addendum,
this Addendum supplements and is incorporated into, but does not alter or
supersede, the Master Agreement. Except as specifically set forth in a Project
Agreement, no Project Agreement shall supersede or amend this Addendum or the
Master Agreement. Each Project Agreement shall be deemed to be an Exhibit to the
Master Agreement for purposes thereof. Services provided by

                                        1

<PAGE>

Intersections pursuant to a Project Agreement shall be deemed to be
Intersections Services, and services provided by Equifax pursuant to a Project
Agreement shall be deemed to be Equifax Services, for all purposes under the
Master Agreement.

         IN WITNESS WHEREOF, the parties hereto have caused this Addendum to be
executed by their respective authorized representatives.

EQUIFAX, CONSUMER SERVICES INC.              INTERSECTIONS INC.

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

                                             CREDITCOMM SERVICES, LLC.

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

                                        2<PAGE>
INFORMATION FOR WHICH CONFIDENTIAL TREATMENT HAS BEEN REQUESTED PURSUANT TO RULE
406 OF THE SECURITIES ACT OF 1933, AS AMENDED, IS OMITTED AND IS NOTED WITH **.
A COPY OF THIS AGREEMENT, INCLUDING ALL INFORMATION FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION.

                                                                   EXHIBIT 10.12

                             CONSUMER REVIEW SERVICE
                           RESELLER SERVICES AGREEMENT

         THIS CONSUMER REVIEW SERVICE RESELLER SERVICES AGREEMENT (this
"Agreement") is entered into effective as of ___________________________,
_______, by and between __________________________________________________, a(n)
__________________________ corporation, having a principal address as set forth
at the end of this Agreement ("Reseller"), and Experian Information Solutions,
Inc., an Ohio corporation acting through its Information Solutions Division
("Experian").

Experian and Reseller agree as follows:

                                    ARTICLE 1
                                      TERM

1.1      TERM. Subject to Section 7.2 of this Agreement, this Agreement will
continue in force, without any fixed date of termination ("Term").

                                    ARTICLE 2
                            CREDIT REPORTING SERVICES

2.1      GENERALLY. During the Term, Reseller may request that Experian provide
Reseller with the services listed on the attached pricing schedule (hereinafter
referred to, together with the information therein, as the "Services") to the
extent offered from time to time by Experian and permitted by this Agreement.
The Services may consist of consumer identifying information and/or credit
information on individual consumers ("Consumers"), as well as Services
consisting of notification of certain events with respect to a Consumer's credit
report ("Notification Services"). All Services will be provided to Reseller in
Experian's ARF format, and Reseller will reformat such information to provide to
the Consumer in a finished product. Experian hereby grants Reseller a
nonexclusive, nontransferable, limited license to resell the Services consistent
with the terms and conditions of this Agreement directly to the Consumer(s)
about whom the information in the Services relate (each such Consumer, the
"Inquiring Consumer").

2.2      METHOD OF PERFORMANCE. Reseller will request the Services from Experian
by electronic means. Each such request will contain sufficient identifying
information concerning the Consumer about whom the information is requested to
enable Experian to perform the Services and will identify, in the manner
specified by Experian, the fact that the request is being made by Reseller. If
so requested by Reseller, Experian will attempt to provide the Services by means
of automated processing (CPU to CPU).

                                    ARTICLE 3
                                      FEES

3.1      GENERALLY. With respect to each response from Experian (including each
"no record" response) to a request for Services made by Reseller, Reseller will
pay Experian the fees set forth in the attached pricing schedule. Experian
reserves the right to change its fees and charges in the pricing schedule at any
time during the Term by giving Reseller at least thirty (30) days written
notice. Each Reseller who engages in transactions with Inquiring Consumers other
than or in addition to face-to-face transactions agrees to purchase from, and to
pay Experian for, at least ** dollars ($**) per month for Services to be resold
to Inquiring Consumers. Reseller will also pay for any special telephone
services or other services provided by Experian. Reseller's payment to Experian
is due not later than thirty (30) from the date of Experian's invoice. If
Reseller does not pay invoiced amounts within this time period, it will also pay
interest on the unpaid amount at the rate of one and one-half percent (1.5%) per
month or the maximum rate allowed by law, whichever is less. Reseller shall have
ninety (90) days from the date of invoice to notify Experian of any dispute with
respect thereto. Experian and Reseller shall work together in good faith to
resolve the dispute as expeditiously as possible. In the event that Experian has
not received a notice of dispute within ninety (90) days from the date of an
invoice, the invoice will be deemed accepted in all respects. Reseller's
obligation to pay invoiced amounts is absolute and unconditional and not subject
to any offset, defense or counterclaim.

----------
**  This information is confidential and has been omitted and filed separately
    with the Securities and Exchange Commission.

3.2      TAXES. The prices and rates for the Services do not include applicable
federal, state or local taxes. Reseller will be solely responsible for all
federal, state and local taxes levied or assessed in connection with Experian's
performance of Services, other than income taxes assessed with respect to
Experian's net income. Experian may separately reflect on its invoices to
Reseller the amount of any taxes paid by Experian on Reseller's behalf, and
Reseller shall pay Experian for such amounts.

                                       1
<PAGE>

                                    ARTICLE 4
                           USE OF EXPERIAN INFORMATION

4.1      COMPLIANCE WITH LAW. Reseller certifies and warrants that it will
comply with all federal, state and local statutes, regulations, and rules
applicable to it, including, without limitation, the FCRA.

4.2      USE OF INFORMATION. Reseller agrees to comply with all of the
following:

         4.2.1 Reseller hereby certifies that it will request the Services and
the information therein from Experian only in connection with the written
instructions of the Inquiring Consumer and shall resell the Services directly to
that Inquiring Consumer solely for that Inquiring Consumer's use in reviewing
the Inquiring Consumer's own consumer report. Reseller shall not request, use or
resell any such Services or information for any other purpose, regardless of
whether permitted by law. Reseller will, in reselling the Services, fully and
accurately convey the Services (and the information therein) to the Inquiring
Consumer, and will do so as quickly as reasonably possible, but in no event
later than three (3) business days after receipt of the Services from Experian,
except that Notification Services will be conveyed at least monthly. Reseller
will maintain, identify, display and furnish the Services (and the information
therein) separate and distinct from all information and services not provided by
Experian unless Reseller has obtained Experian's prior written approval, in its
sole discretion. Reseller will not copy any of the Services (or the information
therein) provided to Reseller by Experian for resale to an Inquiring Consumer
and, once the Services are provided to the Inquiring Consumer, Reseller will not
retain the Services (or information therein) in any manner or form except to the
extent necessary to, and for the sole purpose of, demonstrating compliance with
legal requirements and to re-transmit to Inquiring Consumer, at no charge,
Services previously provided by Reseller. Reseller agrees and certifies that it
will not reuse or use in whole or in part for any other purpose, the Services
provided to it for resale to an Inquiring Consumer, except as provided above,
without the prior written consent of Experian, in its sole discretion.

         4.2.2 Reseller hereby warrants that it will not, either directly or
indirectly, itself or through any agent or third party: (a) request, compile,
store, maintain or use the Services (including any of the information therein)
to build its own database; (b) copy or otherwise reproduce the Services
(including any of the information therein); (c) resell or transfer the Services
(including any of the information) to more than one Inquiring Consumer; (d)
merge the Services (or any of the information therein) with any information from
any person or entity that is not a consumer reporting agency; or (e) merge the
Services (or any of the information therein) with any information from a
consumer reporting agency other than for the creation of a merged report to be
used solely for Inquiring Consumer's use in reviewing the Inquiring Consumer's
own consumer report. Reseller shall be solely responsible for assuring the
delivery or transmission of information to Inquiring Consumer in a manner that
is secure and in compliance with this Agreement.

         4.2.3 Reseller agrees to verify that each Consumer who is provided
Services is the end user and does not intend to resell or otherwise provide or
transfer the Services in whole or in part to any other person or entity.

         4.2.4 Reseller agrees that if any item of Services (including any of
the information therein) contained in the report issued by Reseller to Inquiring
Consumer is disputed by the Inquiring Consumer, and Inquiring Consumer notifies
Reseller of such dispute, Reseller shall direct the Inquiring Consumer to
Experian's National Consumer Assistance Center in the manner prescribed by the
"Consumer Review Service Requirements".

         4.2.5 Reseller will not act or provide at any time or in any way, and
will not hold itself out as providing credit clinic, credit repair or similar
services. In no event will Reseller attempt to, or hold itself out to the
Inquiring Consumer or to the public as being able to, handle disputes on behalf
of Experian or to reinvestigate information in Experian's files. In no event
will Reseller attempt to have information on the Inquiring Consumer's credit or
identifying information in Experian's files changed or altered in any way other
than by forwarding the Inquiring Consumer to Experian's National Consumer
Assistance Center.

4.3      EXPERIAN POLICIES AND PROCEDURES. In addition to the requirements set
forth in Section 4.2, Reseller agrees to the following:

         4.3.1 Reseller agrees to comply with Experian's policies and procedures
as announced by Experian from time to time in writing, including but not limited
to those attached to this Agreement entitled "Specialized Sales Channels
Consumer Review Service Requirements for Intersections)" dated June 12, 2003
(the "CRSR"). In the event of any direct conflict between the CRSR and this
Agreement, the CRSR shall govern.

         4.3.2 Reseller acknowledges and agrees that Experian requires that
Reseller block the display of certain information to Inquiring Consumer, as
prescribed in the CRSR, and Reseller agrees to not provide such information

                                       2
<PAGE>

to the Inquiring Consumer.

         4.3.3 Experian may from time to time notify Reseller of additional,
updated or new requirements compliance with which will be a condition of
Experian's continued provision of Services to Reseller. Reseller agrees to
comply with such requirements as to which it has received notice from Experian
and such shall be incorporated into this Agreement by this reference.

         4.3.4 Reseller understands and agrees that Experian may require
evidence, including a certification, that Reseller understands and will comply
with applicable laws and Experian policies and procedures. Entities that provide
credit counseling services may, in Experian's sole discretion, be approved or
disapproved as a Reseller for the purpose of resales directly to Inquiring
Consumers. Approved Resellers offering credit counseling services must (i)
maintain an accreditation from an accreditation agency, as prescribed in the
CRSR; (ii) be properly licensed, if required by state; (iii) not have a negative
compliance history with Experian; and (iv) comply in all other respects with
Experian policy and procedures.

         4.3.5 Reseller agrees to maintain trained personnel at each of its
places of business authorized to resell directly to Inquiring Consumers, and to
have one or more toll free telephone numbers and lines dedicated to supporting
resales to Inquiring Consumers as may be necessary to assure prompt and
proficient service levels. Reseller's personnel must at a minimum meet the
training requirements established by Experian. Reseller agrees to obtain at its
expense such training and education concerning applicable legal requirements and
Experian policies and procedures as Experian may reasonably request. Training
made available to Reseller by Experian is provided as a service to Reseller, and
does not replace or waive Reseller's compliance obligations under the law or
this Agreement. Reseller acknowledges and agrees that such training does not
constitute, or substitute for, legal advice, and Reseller should consult with
its own legal counsel.

         4.3.6 Reseller will institute and maintain strict procedures and
provide training and training materials in order to ensure that its employees do
not furnish the Services (or information therein) except in compliance with the
requirements of the FCRA, this Agreement and the CRSR. Reseller will provide
Experian the opportunity to review and approve or disapprove (in its sole
discretion) all such materials prior to their use.

4.4      ADVERTISING MATERIAL APPROVAL

         4.4.1 Reseller will not mislead consumers or the public, or demean
directly or indirectly Experian Information Solutions, Inc., its successors or
assigns, the Services, other services provided by Experian, the consumer
reporting industry, direct marketing industry or other industries in which
Experian, its successors and assigns do business. In marketing the Services,
Reseller will not use scare tactics, play upon the fears of Consumers, use
materials or advertise on web sites that (i) contain adult, racist, violent,
obscene, or offensive material, (ii) that demean, slander or otherwise disparage
credit bureaus, or (iii) are reasonably deemed by Experian to be associated with
any credit repair clinic or the credit repair industry, whether in its
advertising materials or otherwise.

         4.4.2 Reseller shall provide and Experian shall have the right to
review and approve Reseller's advertising, promotional, and marketing materials,
pamphlets, brochures and similar disclosures, and any changes thereto, related
to Experian Information Solutions, Inc., its successors or assigns, the
Services, other services provided by Experian, the consumer reporting industry,
direct marketing industry or other industries in which Experian, its successors
and assigns do business, or that mention Experian by name. Experian may approve
or disapprove any submission, in whole or in part, in its sole discretion. If
Experian disapproves a submission, Reseller will not continue to resubmit the
submission without changes designed to address the causes of Experian's
disapproval. Reseller will not disseminate, communicate or otherwise disclose
any advertising, promotional, and marketing materials, pamphlets, brochures and
similar disclosures that have been disapproved or Experian has notified the
Reseller that such material is unacceptable. In the event advertising material
of any kind which is then in distribution or use is determined by Experian to be
unacceptable, Experian may in its sole discretion require the distribution or
use be ceased and immediately recalled or take other lesser action, until it has
been approved by Experian. Reseller agrees to comply with any additional
advertising policies or related guidelines requested of Reseller by Experian,
including but not limited to the "CRSR - Consumer Review Service Advertising
Material Guidelines".

4.5      METHOD OF DELIVERY Reseller may only provide the Services (i) by hand
delivery to an Inquiring Consumer who is requesting his or her consumer credit
information in person at Reseller's place of business; (ii) by United States
mail service or nationally recognized overnight delivery service to the then
most current address in the Experian Services for such Inquiring Consumer (or
most reliable address otherwise available from Experian or one of the other two
national consumer reporting agencies for the Inquiring Consumer); (iii) Internet
transmission upon

                                       3
<PAGE>

completion of certain requirements and with specific written consent of
Experian. Reseller is specifically prohibited from providing the Services (a) to
a person other than the Inquiring Consumer; (b) other than to the address for
the Inquiring Consumer obtained as provided in this Amendment; or (c) by
facsimile transmission or other method not expressly permitted in this Agreement
or previously approved in writing by Experian. Resales, production of reports
and fulfillment by other than Reseller's own employees is restricted to the
requirements contained in the "CRSR - Consumer Review Service Program
Principles".

4.6      AUTHORIZATION OF CONSUMER. Reseller agrees that it shall only request
Services for resale directly to an Inquiring Consumer after Reseller has
obtained from the Inquiring Consumer written instructions authorizing Reseller
to request and receive from Experian that Inquiring Consumer's credit
information for resale to the Inquiring Consumer. Written instruction
authorization will be valid only when the authorization (i) contains the
original signature of the Inquiring Consumer; (ii) complies in all respects with
Experian's "CRSR - Consumer Review Service Requirements for Written Instructions
on the Internet"; (iii) or other method signifying consent by the Inquiring
Consumer with prior written approval by Experian, in its sole discretion.
Reseller agrees to maintain originally executed copies of such written
instructions for a minimum of two (2) years.

4.7      AUTHENTICATION OF CONSUMER IDENTITY. Reseller agrees to authenticate
the identity of the Inquiring Consumer prior to reselling or otherwise providing
the Services to such Inquiring Consumer. Method of such authentication is
determined by the method of delivery. Reseller agrees that it will follow at a
minimum those procedures for authenticating the Inquiring Consumer's
identification set forth in Experian's "CRSR - Consumer Review Service
Authentication Standards", as such are amended from time to time, including but
not limited to purchasing the Experian FACS+ Service with each inquiry. Experian
must approve any and all authentication procedures in writing prior to
implementation by Reseller, such approval in Experian's sole discretion.

4.8      DISCLOSURES TO CONSUMERS. Reseller will implement adequate safeguards
and measures to assure Consumers' privacy with respect to the Services and to
inform Consumers of their rights under the FCRA and companion state and local
laws and regulations. Reseller will provide notice(s) to Consumers to the extent
and in the manner required by Experian, for example to comply with state and
federal deceptive trade practices acts or similar laws and regulations.
Specifically, Reseller will provide a notice to each Inquiring Consumer, at the
time Services are requested by Inquiring Consumer, that prominently sets forth
those disclosures listed in the Experian's "CRSR - Consumer Review Service
Consumer Disclosures".

4.9      INTERNET PRIVACY POLICY. Reseller agrees to prominently display, at all
times, a privacy policy on its web site that is consistent with applicable laws
and regulations, as well as with the guidelines of the Online Privacy Alliance
(or such other self-regulatory group as Experian may designate, in its sole
discretion), and give specific notice regarding how the information requested
will be used and how the web site visitor can elect to opt out. Reseller further
agrees to promptly inform Experian of any issues or concerns raised by visitors
to Reseller's web site with respect to the Services or the manner in which
Reseller uses the Services.

                                    ARTICLE 5
                              INTELLECTUAL PROPERTY

5.1      NO LICENSE. Experian does not transfer, and Reseller does not obtain,
any patent rights, copyright interest or other right, claim or interest in the
computer programs, Services, information, consumer information database,
systems, forms, formats, schedules, manuals or other proprietary items utilized
or provided by Experian.

5.2      RESTRICTIONS ON USE OF PROPRIETARY DESIGNATIONS. Neither party will
use, or permit their respective employees, agents and subcontractors to use, the
trademarks, service marks, logos, names or any other proprietary designations of
the other party, or the other party's affiliates, whether registered or
unregistered, without such other party's prior written consent.

5.3      OWNERSHIP OF DATA. Reseller acknowledges that Experian has expended
substantial time, effort, and funds to collect, arrange and compile Experian's
consumer information database and to create and deliver the Services (including
the information therein). The Services, the information contained therein, and
the data in Experian's consumer information databases are and will continue to
be the exclusive property of Experian. Nothing contained in this Agreement shall
be deemed to convey to Reseller, or to any other party, any right, title or
interest, including any patent, copyright or other proprietary right, in or to
the data in Experian's consumer information database(s), any database(s) itself
or (except to the extent of the limited license granted in Section 2.1 of this
Agreement) to the Services and the information therein.

5.4      CONFIDENTIAL TREATMENT. Reseller hereby acknowledges that the Services
it receives from Experian under this Agreement include personal information
about individual Consumers and, as such, require confidential treatment. In
addition, Reseller acknowledges that it may receive other proprietary and
confidential information of

                                       4
<PAGE>

Experian including but not limited to technical, developmental, operating,
computer system, software, performance, cost, know-how and process information.
Reseller warrants to Experian that (a) except as otherwise permitted by this
Agreement, it will maintain the information obtained through Experian in strict
confidence and will not disclose such information other than to its employees
who have a need to know and (b) will use the information only for purposes of
this Agreement. Upon termination of this Agreement or at the request of
Experian, Reseller will promptly return to Experian all Experian confidential
information and any copies thereof provided to it. Reseller warrants that it
will require by written contract that customers receiving such information from
Reseller comply with the same obligations of nondisclosure.

                                    ARTICLE 6
                         INDEMNIFICATION AND LIMITATIONS

6.1      DISCLAIMER OF WARRANTY. Because the Services involve conveying
information provided to Experian by other sources, Experian cannot and will not,
for the fee charged for the Services, be an insurer or guarantor of the accuracy
or reliability of the Services, data contained in its database, or in the
Services. EXPERIAN DOES NOT GUARANTEE OR WARRANT THE ACCURACY, TIMELINESS,
COMPLETENESS, CURRENTNESS, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
OF THE SERVICES, INFORMATION IN THE SERVICES OR THE MEDIA ON OR THROUGH WHICH
THE SERVICES ARE PROVIDED AND SHALL NOT BE LIABLE TO RESELLER OR TO ANY OF THE
RESELLER'S CUSTOMERS FOR ANY LOSS OR INJURY ARISING OUT OF OR CAUSED IN WHOLE OR
IN PART BY EXPERIAN'S ACTS OR OMISSIONS, WHETHER NEGLIGENT OR OTHERWISE, IN
PROCURING, COMPILING, COLLECTING, INTERPRETING, REPORTING, COMMUNICATING OR
DELIVERING THE SERVICES OR INFORMATION THEREIN.

6.2      INDEMNIFICATION. Reseller will indemnify, defend, and hold Experian
harmless from and against any and all liabilities, damages, losses, claims,
costs and expenses, including reasonable attorneys fees, which may be asserted
against or incurred by Experian, arising out of or resulting from the use,
disclosure, sale or transfer of the Services (or information therein) by
Reseller or Reseller's breach of this Agreement. Reseller covenants not to sue
or maintain any cause of action, claim, demand, cross-claim, third party action
or other form of litigation or arbitration against Experian, its officer's
directors, employees, contractors, agents, affiliated bureaus or subscribers
arising out of or relating in any way to the Services (or information therein)
being blocked by Experian or not being accurate, timely, complete or current.

6.3      LIMITATION OF LIABILITY. Reseller acknowledges that Experian maintains
a database, updated on a periodic basis, from which Reseller obtains and resells
Services, and that Experian does not undertake a separate investigation for each
inquiry or request for Services made by Reseller. Reseller also acknowledges
that the prices Experian charges Reseller for the Services are based upon
Experian's expectation that the risk of any loss or injury that may be incurred
by use of the Services will be borne by Reseller and not Experian. Reseller
therefore agrees that it is responsible for determining that the Services are in
accordance with Experian's obligations under this Agreement. If Reseller
reasonably determines that the Services do not meet Experian's obligations under
this Agreement, Reseller shall so notify Experian in writing within ten (10)
days after receipt of the Services in question. Reseller's failure to so notify
Experian shall mean that Reseller accepts the Services as is, and Experian will
have no liability whatsoever for the Services. If Reseller so notifies Experian
within ten (10) days after receipt of the Services, then, unless Experian
disputes Reseller's claim, Experian will, at its option, either reperform the
Services in question or issue Reseller a credit for the amount Reseller paid to
Experian for the nonconforming Services. This reperformance or credit
constitutes Reseller's sole remedy and Experian's maximum liability for any
breach of this Agreement by Experian. If, notwithstanding the above, liability
is imposed on Experian, then Reseller agrees that Experian's total liability for
any or all of Reseller's losses or injuries from Experian's acts or omissions
under this Agreement, regardless of the nature of the legal or equitable right
claimed to have been violated, shall be the lesser of the amount paid by
Reseller to Experian under this Agreement during the six month period preceding
the alleged breach by Experian of this Agreement or Ten Thousand Dollars
($10,000). Reseller covenants that it will not sue Experian for any amount
greater than permitted by this Agreement and will not seek punitive damages. IN
NO EVENT SHALL EXPERIAN BE LIABLE TO RESELLER OR TO ANY CUSTOMER OR THIRD PARTY
FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES (INCLUDING BUT
NOT LIMITED TO DAMAGES TO BUSINESS REPUTATION, LOST BUSINESS OR LOST PROFITS),
WHETHER FORESEEABLE OR NOT AND HOWEVER CAUSED, EVEN IF EXPERIAN IS ADVISED OF
THE POSSIBILITY OF SUCH DAMAGES.

                                    ARTICLE 7
                           AMENDMENTS AND TERMINATION

7.1      AMENDMENTS. This Agreement may be amended only by a written instrument
signed by both parties.

7.2      TERMINATION. Notwithstanding any other term in this Agreement, (a)
either party may terminate this Agreement by providing thirty (30) days advance
written notice to the other; and (b) Experian may unilaterally

                                       5
<PAGE>

terminate this Agreement immediately, or take any lesser action Experian
believes is appropriate, including but not limited to blocking Reseller's access
to the Services and/or charging Reseller a fee for auditing Reseller to ensure
compliance, if Experian believes in its sole judgment, that Reseller has failed
to comply with any of its obligations hereunder, including any obligation under
Article 4 of this Agreement.

7.3      EFFECT OF TERMINATION. Upon expiration or termination of this
Agreement, the license granted herein will automatically terminate, Reseller
will cease reselling the Services (and the information therein) and return any
Services in its possession to Experian. No termination or expiration will
relieve either party of any liability for monetary sums owing to the other. The
provisions of Articles 3, 4, 5, 6 and 8 and Section 7.3 shall survive the
expiration or termination of this Agreement.

                                    ARTICLE 8
                                  MISCELLANEOUS

8.1      STATUS. The parties will perform their obligations hereunder as
independent contractors. Nothing contained in this Agreement shall be deemed to
create any association, partnership, joint venture, or relationship of principal
and agent or master and servant between the parties. The parties acknowledge
that any and all rights not expressly granted pursuant to this Agreement are
reserved to the respective party and that neither party will have any right,
power or authority to obligate the other to any contract, term or condition.

8.2      EXCUSABLE DELAYS. Neither party will be liable to the other for any
delay or failure in its performance of any of the acts required by this
Agreement (other than for payment obligations hereunder) if and to the extent
that such delay or failure arises beyond the reasonable control of such party,
including, without limitation, acts of God or public enemies, labor disputes,
equipment malfunctions, computer downtime, material or component shortages,
supplier failures, embargoes, earthquakes, rationing, acts of local, state or
national governments or public agencies, utility or communication failures or
delays, fire, flood, epidemics, riots and strikes.

8.3      GOVERNING LAW, VENUE AND ATTORNEY'S FEES. This Agreement will be
governed by and construed in accordance with the internal substantive laws of
the State of California, which are intended to supersede any choice of laws
rules which might require the application of the laws of another jurisdiction.
Both parties hereby consent to the jurisdiction of the courts of California,
whether federal, state or local, with respect to actions brought to enforce or
interpret this Agreement. Venue for all actions shall be in Orange County,
California. The prevailing party in any arbitration, or permitted legal or
equitable action, shall be entitled to an award of its reasonable attorneys'
fees and costs.

8.4      SEVERABILITY. This Agreement shall be deemed to be severable and, if
any provision of this Agreement shall be finally determined to be void, illegal
or unenforceable, then it is the parties' desire and intention that such
provision be deemed automatically adjusted to the minimum extent necessary to
conform to applicable requirements of validity, legality and enforceability and,
as so adjusted, be deemed a provision of this Agreement as if it were originally
included herein; provided, however, if such provision cannot be adjusted without
substantially and materially altering the rights and duties hereunder and
fundamentally depriving one party of the benefit of the bargain (taken as a
whole) contemplated by this Agreement, then the parties will seek to reform this
Agreement through the procedure outlined in Section 8.7 (Dispute Resolution)
hereof so as to restore, as nearly as possible, the parties' respective rights,
duties, and bargain. In any case, the remaining provisions of this Agreement
shall remain in effect.

8.5      SUCCESSORS AND ASSIGNS. This Agreement will be binding upon and inure
to the benefit of the parties hereto and to their respective heirs,
representatives, successors, and permitted assignees. This Agreement may not be
assigned, transferred, shared or divided in whole, or in part, by Reseller
without Experian's prior written consent. The dissolution, merger,
consolidation, reorganization, sale or other transfer of assets, properties, or
controlling interest of Reseller constitutes an assignment of this Agreement for
purposes of this Section 8.5.

8.6      AUDIT RIGHTS. Experian will have the right to audit Reseller and
Reseller's agents to assure compliance with the terms of this Agreement.
Reseller will provide full cooperation, and will be responsible for assuring
full cooperation by its employees and agents, in connection with such audits.
Reseller will provide Experian or obtain for Experian access to such properties,
records and personnel as Experian may reasonably require for such purpose.

8.7      DISPUTE RESOLUTION. With the exception of any action taken under
Articles 4 and 5 of this Agreement, the parties will resolve any dispute arising
out of or relating to this Agreement in a binding arbitration conducted under
the auspices of the American Arbitration Association in Orange County,
California. Notwithstanding the foregoing, Reseller agrees that its failure to
comply with the provisions of Articles 4 and 5 will cause irreparable harm to
Experian that cannot be adequately compensated in damages and that Experian may
seek equitable relief and pursue other remedies to prevent such noncompliance.

                                       6
<PAGE>

8.8      WAIVER. Either party may at any time waive compliance by the other with
any covenant or condition contained in this Agreement, but only by written
instrument signed by the party waiving such compliance. No waiver of any
provision of this Agreement shall be deemed to be, or shall constitute, a waiver
of any other provision hereof, nor shall such waiver constitute a waiver in any
other instance.

8.9      RETENTION OF RIGHTS. Nothing in this Agreement is intended to or shall
limit or restrict Experian's ability to market and sell its services, the
geographic areas in which or the customers to whom Experian may market or sell
its services.

8.10     PUBLICITY. Except as specifically permitted by Experian in writing,
under no circumstances will Reseller disclose to any third party, directly or
indirectly, the terms and conditions of this Agreement.

8.11     NO THIRD PARTIES. Nothing in this Agreement, whether express or
implied, is intended to confer upon any person other than the parties hereto and
their respective heirs, representatives, successors and permitted assigns, any
rights or remedies under or by reason of this Agreement, nor is anything in this
Agreement intended to relieve or discharge the liability of any party hereto.

8.12     NOTICE. All notices required or permitted to be provided to a party
under this Agreement must be in writing and sent to the address for the party
set forth on the last page of this Agreement, unless such address has been
changed by prior written notice to the other party to the Agreement.

8.13     SUBJECT HEADINGS. The subject headings or captions of the articles and
sections of this Agreement are included solely for purposes of convenience and
reference and will not be deemed to explain, modify, limit, amplify or aid in
the meaning, construction or interpretation of any of the provisions of this
Agreement.

8.14     CONTRACT IN ENTIRETY. This Agreement (including the exhibits,
amendments and addenda hereto which are incorporated herein by this reference)
sets forth the entire understanding of the parties hereto with respect to the
subject matter hereof and supersedes all prior and contemporaneous letters of
intent, agreements, covenants, negotiations, arrangements, communications,
representations, understandings or warranties, whether oral or written, by any
officer, employee or representative of either party relating thereto. There are
no other understandings, statements, promises or inducements, oral or otherwise,
contrary to the terms of this Agreement.

         IN WITNESS WHEREOF, Reseller and Experian has each caused this Reseller
Services Agreement to be executed by its duly authorized representative as of
the date first above written.

<TABLE>
EXPERIAN INFORMATION SOLUTIONS, INC., BY AND                Reseller:
THROUGH ITS INFORMATION SOLUTIONS DIVISION
<S>                                                         <C>
                                                                      -------------------------------------------------
                                                                                    Intersections Inc.

     By:                                                          By:
         ---------------------------------------------                -------------------------------------------------
           Signature (Duly Authorized Officer Only)                     Signature (Duly Authorized Representative Only)

   Name:                                                        Name:
         ---------------------------------------------                -------------------------------------------------
                           Print                                                          Ken Schwarz

  Title:                                                       Title:
         ---------------------------------------------                -------------------------------------------------
                           Print                                                     Chief Operating Officer

Address:       Experian Information Solutions                Physical   14930 Bogle Drive
               475 Anton Boulevard
               Costa Mesa, CA  92626                         Address:   Chantilly, VA 20151

               Attn:  General Counsel

                                                                        Attn:Chief Operating Officer
</TABLE>

                                       7
<PAGE>

                                       8
<PAGE>

                                PRICING SCHEDULE

**.
_________________
** This information is confidential and has been omitted and separately filed
with the Securities and Exchange Commission.

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