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                                                           Exhibit 10.22

        THIS WARRANT EVIDENCED HEREBY AND THE SHARES OF STOCK ISSUABLE UPON
THE EXERCISE THEREOF HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF
1933, AS AMENDED, OR THE SECURITIES OR BLUE SKY LAWS OF ANY STATE AND MAY NOT
BE TRANSFERRED IN VIOLATION OF SUCH ACT AND LAWS, THE RULES AND REGULATIONS
THEREUNDER OR THE PROVISIONS OF THIS WARRANT.

                                        WARRANT

                                 To Purchase Shares of
                                    Common Stock of
                             Delphi Information Systems, Inc.

                                                                August 20, 1999

        This certifies that for good and valuable consideration, receipt of
which is hereby acknowledged, Hewlett-Packard Company, a Delaware corporation
(the "Warrantholder"), is entitled to subscribe for and purchase from the
Company, on the terms set forth herein, shares of Common Stock as follows:

        a)      During the period (i) commencing August 20, 1999 and ending
                August 19, 2000, shares equal to 4.9% for the number of shares
                of Common Stock outstanding on the date set forth in
                paragraph (c) below, at an exercise price equal to $15.00 per
                share, and (ii) commencing August 20, 2000 and ending August
                19, 2001, shares equal to 4.5% of the number of shares of
                Common Stock outstanding on the date set forth in paragraph
                (c) below, at an exercise price equal to $20.00 per share.

        b)      If the Warrantholder has not exercised its right to purchase
                any of the shares under subparagraph (i) of paragraph (a)
                above, then, during the period commencing August 20, 2000 and
                ending August 19, 2001, shares equal to 4.9% of the number of
                shares of the Common Stock outstanding on the date set forth
                in paragraph (c) below, at an exercise price equal to $20.00
                per share (in addition to the number of shares which the
                Warrantholder has the right to purchase under subparagraph
                (ii) of paragraph (a) above).

        c)      The number of outstanding shares of Common Stock shall be as
                stated in the Company's most recent filing on Form 10-K or
                10-Q, adjusted ratably for any stock split, stock dividend,
                reverse stock split or any other recapitalization effecting
                the Common Stock, after the date for which the number of shares
                of the Common Stock are reported in such Form 10-K or 10-Q.
                The number of shares of Common Stock which the Warrantholder
                has a right to purchase and the purchase price at which such
                shares may be purchased may be adjusted from time to time as
                described in this Warrant. Within 10 days of the filing of
                the Company's Form 10-K or 10-Q, the Company shall provide
                the Warrantholder with an updated Calculation Form in the
                form attached hereto, which

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                shall state the number of shares of Common Stock purchasable
                pursuant to this Warrant. At the date hereof, the number of
                shares of Common Stock purchased or purchasable pursuant to
                this Warrant are as stated in the attached Calculation Form.

        1.      DEFINITIONS. For the purposes of this Warrant, the following
terms shall have following meanings:

                "COMMISSION" shall mean the Securities and Exchange
        Commission, or any other federal agency then administering the
        Securities Act.

                "COMPANY" shall mean Delphi Information Systems, Inc., a
        Delaware corporation, and any corporation which shall succeed to, or
        assume, the obligations of such corporation hereunder.

                "COMMON STOCK" shall mean the shares of Common Stock of the
        Company, $0.10 par value.

                "EXPIRATION DATE" shall mean August 19, 2001.

                "OTHER SECURITIES" shall mean any stock (other than Common
        Stock) or other securities of the Company which the Warrantholder at
        any time shall be entitled to receive, or shall have received, upon
        the exercise of the Warrants, in lieu of or in addition to Common
        Stock, or which at any time shall be issuable or shall have been issued
        in exchange for or in replacement of Common Stock or Other Securities.

                "PURCHASE PRICE" shall mean the price at which the
        Warrantholder may purchase a share of Common Stock as provided in
        paragraphs (a) and (b) above and as adjusted from time to time
        pursuant to paragraph 6 below.

                "SECURITIES ACT" shall mean the Securities Act of 1933, as
        amended, and the rules and regulations of the Commission thereunder,
        as in effect at the time.

                "SUBSCRIPTION FORM" shall mean the subscription forms
        attached hereto.

                "TRANSFER" shall mean any sale, assignment, pledge, or other
        disposition of any Warrants and/or Warrant Shares, or of any
        interest in either thereof, which would constitute a sale thereof
        within the meaning of Section 2(3) of the Securities Act.

                "WARRANT SHARES" shall mean the shares of Common Stock
        purchased or purchasable by the Warrantholder upon the exercise of
        the Warrants pursuant to Section 2 hereof.

                "WARRANTHOLDER" shall mean the holder or holders of the
        Warrants or any related Warrant Shares.

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                "WARRANTS" shall mean that certain Warrant issued to the
        Warrantholder on August 20, 1999 and any warrant(s) issued upon the
        transfer or exchange thereof.

        All terms used in this Warrant which are not defined in Section 1
hereof have the meanings respectively set forth elsewhere in this Warrant.

        2.      EXERCISE OF WARRANT, ISSUANCE OF CERTIFICATE AND PAYMENT FOR
WARRANT SHARES.

        (a)     Subject to Section 5 hereof, the rights represented by this
Warrant may be exercised at any time after the date of this Warrant and prior
to the Expiration Date, by the Warrantholder, in whole or in part (but not as
to any fractional share of Common Stock), by: (a) delivery to the Company of
a completed Full or Partial Subscription Form in the form attached hereto,
(b) surrender to the Company of this Warrant properly endorsed and signature
guaranteed, and (c) delivery to the Company of a certified or cashier's check
made payable to the Company in an amount equal to the aggregate Purchase
Price of the shares of Common Stock being purchased, at its principal office,
3501 Algonquin Road, Suite 500, Rolling Meadows, Illinois 60008 (or such
other office or agency of the Company as the Company may designate by notice
in writing to the holder hereof). The Company agrees and acknowledges that
the shares of Common Stock so purchased shall be deemed to be issued to the
holder hereof as the record owner of such shares as of the close of business
on the date on which this Warrant, properly endorsed, and the Full or Partial
Subscription Form shall have been surrendered and payment made for such
shares as aforesaid. Upon receipt thereof, the Company shall, as promptly as
practicable, and in any event within fifteen (15) days thereafter, execute or
cause to be executed and deliver to the Warrantholder a certificate or
certificates representing the aggregate number of shares of Common Stock
specified in such Subscription Form. Each stock certificate so delivered
shall be in such denomination as may be requested by the Warrantholder and
shall be registered in the name of the Warrantholder or such other name as
shall be designated by the Warrantholder. If this Warrant shall have been
exercised only in part, the Company shall, at the time of delivery of such
stock certificate or certificates, deliver to the Warrantholder a new Warrant
evidencing the rights of such holder to purchase the remaining shares of
Common Stock covered by this Warrant. The Company shall pay all expenses,
taxes, and other charges payable in connection with the preparation,
execution, and delivery of stock certificates pursuant to this Section 2,
except that, in case any such stock certificate or certificates shall be
registered in a name or names other than the name of the Warrantholder, funds
sufficient to pay all stock transfer taxes which shall be payable upon the
execution and delivery of such stock certificate or certificates shall be
paid by the Warrantholder to the Company at the time of delivering this
Warrant to the Company as mentioned above.

        (b)     Notwithstanding any provisions herein to the contrary, if the
fair market value of one share of the Common Stock is greater than the
Purchase Price (at the date of calculation as set forth below), in lieu of
exercising this Warrant for cash, the Warrantholder may elect to receive
shares equal to the value (as determined below) of this Warrant (or any
portion thereof being exercised) by surrender of this Warrant at the principal
office of the Company, together with the properly endorsed

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Notice of Exercise and notice of such election, in which event the Company
shall issue to the Warrantholder a number of shares of Common Stock computed
using the following formula:

                       X = Y(A-B)/A

                       Where       X = the number of shares of Common Stock
                                   to be issued to the Warrantholder

                                   Y = the number of shares of Common Stock
                                   purchasable under the Warrant or, if only
                                   a portion of the Warrant is being
                                   exercised, the portion of the Warrant
                                   being exercised (at the date of such
                                   calculation)

                                   A = the fair market value of one share of
                                   Common Stock (at the date of such
                                   calculation)

                                   B = Purchase Price (as adjusted at the date
                                   of such calculation)

        For purposes of the above calculation, the fair market value of one
share of Common Stock shall be the average of the closing prices quoted on the
NASDAQ Small Cap Market or such other market or exchange where the Common Stock
may be traded for the 5-day period ending on the trading day immediately
prior to the date of exercise of this Warrant.

        3.       OWNERSHIP OF THIS WARRANT. The Company may deem and treat
the registered Warrantholder as the holder and owner hereof (notwithstanding
any notations of ownership or writing made hereon by anyone other than the
Company) for all purposes and shall not be affected by any notice to the
contrary, until presentation of this Warrant for transfer as provided herein
and then only if such transfer meets the requirements of Section 5.

        4.       EXCHANGE, TRANSFER, AND REPLACEMENT. Subject to Section 5
hereof, this Warrant is exchangeable upon the surrender hereof by the
Warrantholder to the Company at its office or agency described in Section 2
hereof for new Warrants of like tenor and date representing in the aggregate
the right to purchase the number of shares purchasable hereunder, each of
such new Warrants to represent the right to purchase such number of shares
(not to exceed the aggregate total number purchasable hereunder) as shall be
designated by the Warrantholder at the time of such surrender. Subject to
Section 5 hereof, this Warrant and all rights hereunder are transferable, in
whole or in part, upon the books of the Company by the Warrantholder in
person or by duly authorized attorney, and a new Warrant of the same tenor
and date as this Warrant, but registered in the name of the transferee, shall
be executed and delivered by the Company upon surrender of this Warrant, duly
endorsed, at such office or agency of the Company. Upon receipt by the
Company of evidence reasonably satisfactory to it of the loss, theft,
destruction, or mutilation of this Warrant, and, in the case of loss, theft,
or destruction, of indemnity or security reasonably satisfactory to it, and
upon surrender and cancellation of this Warrant, if mutilated, the Company
will make and deliver a new

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Warrant of like tenor, in lieu of this Warrant. This Warrant shall be promptly
canceled by the Company upon the surrender hereof in connection with any
exchange, transfer, or replacement. The Company shall pay all expenses, taxes
(other than stock transfer taxes), and other charges payable in connection
with the preparation, execution, and delivery of Warrants pursuant to this
Section 4.

        5.       RESTRICTIONS ON TRANSFER AND EXERCISE. Subject to the
conditions specified in this Section 5 with respect to compliance with the
provisions of the Securities Act, this Warrant shall be freely transferable by
the Holder. The holder of this Warrant agrees that such holder will not
transfer this Warrant or the related Warrant Shares (a) prior to delivery to
the Company of an opinion of counsel selected by the Warrantholder and
reasonably satisfactory to the Company, stating that such transfer is exempt
from registration under the Securities Act, or (b) until registration of such
Warrants and/or Warrant Shares under the Securities Act has become effective
and continues to be effective at the time of such transfer. An appropriate
legend may be endorsed on the Warrants and the certificates of the Warrant
Shares evidencing these restrictions. Notwithstanding any provision
contained in this Warrant to the contrary, the Warrantholder shall not be
entitled to exercise this Warrant to the extent that such exercise would
cause the Company or the Warrantholder to violate the Securities Act or
applicable state securities laws. This Warrant shall not be transferable to
any person or entity (other than an affiliate of the Warrantholder), which is
engaged in the business of insurance-related e-commerce or agency management
software, without the prior written consent of the Company.

        6.       ANTIDILUTION PROVISIONS. The rights granted hereunder are
subject to the following:

                 (a)      STOCK SPLITS AND REVERSE SPLITS. In case at any
        time the Company shall subdivide its outstanding shares of Common
        Stock into a greater number of shares, the Purchase Price in effect
        immediately prior to such subdivision shall be proportionately
        reduced and the number of Warrant Shares purchasable pursuant to this
        Warrant immediately prior to  such subdivision shall be
        proportionately increased, and conversely, in case at any time the
        Company shall combine its outstanding shares of Common Stock into a
        smaller number of shares, the Purchase Price in effect immediately
        prior to such combination shall be proportionately increased and the
        number of Warrant Shares purchasable upon the exercise of this
        Warrant immediately prior to such combination shall be
        proportionately reduced. Except as provided in this paragraph (a), no
        adjustment in the Purchase Price and no change in the number of
        Warrant Shares so purchasable shall be made pursuant to this Section
        6 as a result of or by reason of any such subdivision or combination.

                 (b)      REORGANIZATION, RECLASSIFICATION, CONSOLIDATION
        MERGER, OR SALE. If any capital reorganization or reclassification or
        merger of the Company with another corporation, or the sale of all or
        substantially all of its assets to another corporation, shall be
        effected in such a way that holders of shares of Common Stock shall be
        entitled to receive Common Stock, Other Securities or assets with
        respect to or in exchange for shares of Common Stock, then, as a
        condition of such reorganization, reclassification, consolidation,
        merger or sale, lawful and adequate provision shall be made whereby
        the Warrantholder shall thereafter have

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     the right to purchase and receive upon the basis and upon the terms and
     conditions specified in the Warrants and in lieu of the shares of Common
     Stock of the Company immediately theretofore purchasable and receivable
     upon the exercise of the Warrants such shares of Common Stock, Other
     Securities or assets as may be issued or payable with respect to or in
     exchange for a number of outstanding shares of Common Stock equal to the
     number of shares of Common Stock immediately theretofore purchasable and
     receivable upon the exercise of the Warrants had such reorganization,
     reclassification, consolidation, merger or sale not taken place, and in
     any such case appropriate provision shall be made with respect to the
     rights and interests of the Warrantholder so that the provisions of the
     Warrants (including, without limitation, provisions for adjustment of
     the Purchase Price and the number of shares purchasable upon the
     exercise of the Warrants) shall thereafter be applicable, as nearly as
     may be, in relation to any shares of Common Stock, Other Securities or
     assets thereafter deliverable upon the exercise of the Warrants. No such
     reorganization or reclassification or merger shall be effected until and
     unless the person resulting from such reorganization, reclassification
     or merger (if not the Company), or such successor person, shall
     expressly assume, by supplemental agreement reasonably satisfactory in
     form to the then Majority Holders (as defined below) and executed and
     delivered to the Warrantholder, the due and punctual performance and
     observance of each and every covenant and condition of this Agreement to
     be performed and observed by the Company. "Majority Holders" as of any
     date, shall mean the holders of this Warrant (or replacement warrants
     issued pursuant hereto) who together have rights to exercise such
     warrants for a majority of the Warrant Shares. The Company shall use
     reasonable efforts to provide written notice to the Warrantholder
     reasonably in advance of the closing of any such reorganization or
     reclassification. Notwithstanding the foregoing, in the event that, as a
     result of any action described in this paragraph (b), the Company's
     stockholders immediately prior to such transaction own less than 50% of
     the voting securities of the surviving corporation in any such
     reorganization or reclassification, then the number of shares issuable
     upon exercise of this Warrant shall cease to be based on the percentage
     of the outstanding shares of the Company as set forth in the most recent
     Form 10-K or 10-Q of the Company prior to the closing of such
     transaction, and rather will be based on the percentage of the shares of
     the Company that are outstanding immediately prior to the closing of
     such transaction.

          (c)   ADJUSTMENTS FOR DIVIDENDS IN STOCK OR OTHER SECURITIES OR
     PROPERTY. If while this Warrant, or any portion herefor, remains
     outstanding and unexpired the holders of the Common Stock of the Company
     shall have received, or, on or after the record date fixed for the
     determination of eligible stockholders, shall have become entitled to
     receive, without payment therefor, other or additional stock or other
     securities or property (other than cash) of the Company by way of
     dividend, then and in each case, this Warrant shall represent the right
     to acquire, in addition to the number of shares of Common Stock
     receivable upon exercise of this Warrant, and without payment of any
     additional consideration therefor, the amount of such other or
     additional stock or other securities or property (other than cash) of
     the Company that such holder would hold on the date of such exercise had
     it been the holder of record of Common Stock receivable upon exercise of
     this Warrant on the date hereof and

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     had thereafter, during the period from the date hereof to and including
     the date of such exercise, retained such shares and/or all other
     additional stock available by it as aforesaid during such period, giving
     effect to all adjustments called for during such period by the
     provisions of this Section 6.

          (d)   LIMITATION OF ADJUSTMENT. Notwithstanding paragraphs (a), (b)
     and (c), in the event of any capital event or series of capital events
     that otherwise would require an increase or change in the kind of
     securities or property issuable upon exercise of this Warrant or a
     decrease in the Purchase Price, no adjustment shall be made unless and
     until such increase or decrease, respectively, exceeds 1%; provided,
     however, that any adjustments which by reason of this Section 6(d) are
     not required to be made shall be carried forward and taken into account
     in any subsequent adjustment.

     7.   SPECIAL AGREEMENTS FOR THE COMPANY.

          (a)   WILL RESERVE SHARES. The Company will reserve and set apart
     and have at all times the number of shares of authorized but unissued
     Common Stock deliverable upon the exercise of the Warrants, and it will
     have at all times any other rights or privileges provided for herein
     sufficient to enable it at any time to fulfill all of its obligations
     hereunder.

          (b)   WILL AVOID CERTAIN ACTIONS. The Company will not, by
     amendment of its Certificate of Incorporation or through any
     reorganization, transfer of assets, consolidation, merger, issue or sale
     of securities or otherwise, avoid or take any action which would have
     the effect of avoiding the observance or performance hereunder by the
     Company, but will at all times in good faith assist in carrying out of
     all the provisions of the Warrants and in taking all such actions as may
     be necessary or appropriate in order to protect the rights of the
     Warrantholder against dilution or other impairment.

     8.   INTENTIONALLY OMITTED.

     9.   NO RIGHTS AS SHAREHOLDERS, LIMITATION OF LIABILITY. This Warrant
shall not entitle any holder hereof to any of the rights of a stockholder of
the Company. No provisions hereof, in the absence of affirmative action by the
holder hereof to purchase shares of Common Stock, and no mere enumeration
herein of the rights or privileges of the holder hereof, shall give rise to
any liability of such holder for Purchase Price or as a stockholder of the
Company whether such liability is asserted by the Company or by creditors of
the Company.

     10.   REGISTRATION RIGHTS. Warrantholders shall have the right to
request registration of their Warrant Shares pursuant to Sections 10(a) and
10(b).

           (a)  REQUIRED REGISTRATION. After receipt of a written request
     from the holders of Warrants and/or Warrant Shares representing at least
     an aggregate of 33-1/3% of the total of (i) all Warrant Shares then
     subject to purchase upon exercise of all Warrants and (ii) all

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     Warrant Shares then outstanding, requesting that the Company effect the
     registration of Warrant Shares issuable upon the exercise of such
     holders' Warrants or of any of such holders' Warrant Shares under the
     Securities Act and specifying the intended method or methods of
     disposition thereof, the Company shall (i) promptly notify all holders
     of Warrants and Warrant Shares in writing of the receipt of such request
     and each such holder may elect (by written notice sent to the Company
     within ten business days from the date of such holder's receipt of the
     aforementioned Company's notice) to have its shares of Warrant Shares
     included in such registration thereof; and (ii) as expeditiously as is
     possible, use its best efforts to effect the registration under the
     Securities Act of all Warrant Shares which the Company has been so
     requested to register by such holders for sale, all to the extent
     required to permit the disposition (in accordance with the intended
     method or methods thereof, as aforesaid) of the Warrant Shares so
     registered; PROVIDED, HOWEVER, that the Company shall not be required to
     effect more than three registrations of any Warrant Shares pursuant to
     this Section 10(a). Notwithstanding the other provisions of this Section
     10(a), (i) the Company shall not be required to use its best efforts to
     register any Warrant Shares pursuant to this Section 10(a) within a one
     hundred and eighty (180) day period after the effective date of any
     other registration statement of the Company effected under this Section
     10(a) and (ii) the Company may defer the obligation to file any
     registration statement under this Section 10(a) for up to one hundred
     and twenty (120) days upon delivery to the requesting Warrantholders of
     a certificate signed by the President of the Company stating that in the
     good faith judgment of the Board of Directors of the Company, it would
     be seriously detrimental to the Company and its stockholder, or for any
     transaction contemplated by the Company, for such registration statement
     to be effected at such time (provided, however, that such right to
     delay may be exercised by the Company no more than twice in any
     twelve-month period). In the event that any registration pursuant to
     this Section 10(a) is to be underwritten, the Company shall have the
     right to select the underwriters, with the consent of the Warrantholders
     holding a majority of the Warrant Shares to be included in such
     registration (which consent shall not be unreasonably withheld).

           (b)  INCIDENTAL REGISTRATION. If the Company at any time proposes
     to file on its behalf and/or on behalf of any of its security holders
     ("the demanding security holders") a registration statement under the
     Securities Act on any form (other than a registration statement on Form
     S-4 or S-8 or any successor form for securities to be offered in a
     transaction of the type referred to in Rule 145 under the Securities Act
     or to employees of the Company pursuant to any employee benefit plan,
     respectively) for the general registration of securities to be sold for
     cash with respect to its Common Stock, it will give written notice to
     all holders of Warrants or Warrant Shares at least fifteen (15) days
     before the initial filing with the Commission of such Registration
     Statement, which notice shall set forth the intended method of
     disposition of the securities proposed to be registered by the Company.
     The notice shall offer to include in such filing the aggregate number of
     shares of Warrant Shares as such holders may request. Nothing herein
     shall preclude the Company from discontinuing the registration of its
     securities being effected on its behalf at any time prior to the
     effective date of the registration relating thereto.

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     Each holder of any such Warrants or any such Warrant Shares desiring to
     have Warrant Shares registered under this Section 10(b) shall advise the
     Company in writing within 30 days after the date of receipt of such
     offer from the Company, setting forth the amount of such Warrants Shares
     for which registration is requested. The Company shall thereupon include
     in such filing the number of Warrant Shares for which registration is so
     requested, subject to the next sentence, and shall use its best efforts
     to effect registration under the Securities Act of such Warrants and
     shares. If the managing underwriter of a proposed public offering shall
     advise the Company in writing that, in its opinion, the distribution of
     the shares of Common Stock into which the Warrants are exercisable and
     the Warrant Shares requested to be included in the registration
     concurrently with the securities being registered by the Company or such
     demanding security holder would adversely affect the distribution of
     such securities by the Company or such demanding security holder, then
     all demanding security holders' (other than any selling security holder
     who requested such registration and the Company (unless such
     Registration Statement was filed at the request of a demanding security
     holder)) shall reduce the amount of securities each intended to
     distribute through such offering on a pro rata basis. Except as
     otherwise provided in Section 10(d), all expenses of such registration
     shall be borne by the Company. The holders of Warrant Shares shall have
     no right to select or approve, or participate in the selection or
     approval of, the underwriters in connection with any offering pursuant
     to a registration pursuant to this Section 10(b).

          (c)   REGISTRATION PROCEDURES. If the Company is required by the
     provisions of this Section 10 to effect the registration of any of its
     securities under the Securities Act, the Company will, as expeditiously
     as possible:

          (i)   promptly prepare and file with the Securities and Exchange
     Commission (the "Commission") a registration statement with respect to
     such securities and use its best efforts to cause such registration
     statement to become and remain effective;

          (ii)  prepare and file with the Commission such amendments and
     supplements to such registration statement and the prospectus used in
     connection therewith as may be necessary to keep such registration
     statement effective and to comply with the provisions of the Securities
     Act with respect to the sale or other disposition of all securities
     covered by such registration statement whenever the seller or sellers of
     such securities shall desire to sell or otherwise dispose of such
     securities;

          (iii) furnish to any selling security holders such number of copies
     of a summary prospectus or other prospectus, including a preliminary
     prospectus, in conformity with the requirements of the Securities Act,
     and such other documents, as such selling security holders may
     reasonably request;

          (iv)  use its best efforts to register or qualify the securities
     covered by such registration statement under such other securities or
     blue sky laws of such jurisdictions within the United States as each
     holder of such securities shall request, and do such other

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     reasonable acts and things as may be required of it to enable such
     holder to consummate the disposition in such jurisdiction of the
     securities covered by such Registration Statement (provided, however,
     that the Company shall not be obligated, in connection therewith, to
     qualify to do business or to file a general consent to service of
     process in any such jurisdictions);

          (v)   use its best efforts to furnish, at the request of any
     underwriter, (1) a copy of an opinion, dated such date, of the
     independent counsel representing the Company for the purposes of such
     registration in containing customary opinions, conditions,
     qualifications an assumptions; and (2) a letter from the independent
     certified public accountants of the Company, addressed to the
     underwriters and containing customary terms, conditions and
     qualifications, stating that they are independent certified public
     accountants within the meaning of the Securities Act and that, in the
     opinion of such accountants, the financial statements and other financial
     data of the Company included in the Registration Statement or the
     prospectus, or any amendment or supplement thereto, comply as to form in
     all material respects with the applicable accounting requirements of the
     Securities Act.

          (vi)  enter into customary agreements (including an underwriting
     agreement in customary form) and take such other actions as are
     reasonably required in order to expedite or facilitate the disposition
     of such registrable securities;

          (vii) otherwise use its best efforts to comply with all applicable
     rules and regulations of the Commission; and

          (i)   give the holders of Warrant and their underwriters, if any,
     and their respective counsel and accountants the opportunity to
     participate in the preparation of such registration statement, each
     prospectus included therein or filed with the Commission, and each
     amendment thereof and supplement thereto, and give each of them such
     access to its books and records and facilities, and such opportunities
     to discuss the business of the Company with its officers and the
     independent public accountants who have certified its financial
     statements, as shall be necessary, in the opinion of such holders, such
     underwriters (or their counsel), such counsel or such accountants (or
     their counsel), to conduct a reasonable investigation within the meaning
     of the Securities Act.

     It shall be a condition precedent to the obligation of the Company to
     take any action pursuant to this Section 10 in respect of the securities
     which are to be registered at the request of any holder of Warrants or
     Warrant Shares that such holder shall furnish to the Company such
     information regarding the securities held by such holder and the
     intended method of disposition thereof as the Company shall reasonably
     request and as shall be required in connection with the action taken by
     the Company.

          (d)  EXPENSES; LIMITATIONS ON REGISTRATION. All expenses incurred
     in complying with Section 10, including, without limitation, all
     registration and filing fees (including all expenses incident to filing
     with the NASD, printing expenses, fees and disbursements of

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     counsel and auditors for the Company,the reasonable fees and expenses of
     one counsel for the selling security holders (selected by those holding
     a majority of the Warrant Shares being registered), expenses of any
     special audits incident to or required by any such registration and
     expenses of complying with the securities or blue sky laws of any
     jurisdictions, shall be paid by the Company, except that the Company
     shall not be liable for any fees, discounts or commissions to any
     underwriter or any fees or disbursements of counsel for any underwriter
     in respect of the securities sold by such holder of Warrant Shares.

          (e)  INDEMNIFICATION.

          (i)  In the event of any registration of any of the Warrant Shares
     under the Securities Act pursuant to this Section 10, the Company shall
     indemnify and hold harmless the holder of such Warrant Shares, such
     holder's directors and officers, and each other person (including each
     underwriter) who participated in the offering of such Warrant Shares and
     each other person, if any, who controls such holder or such
     participating person within the meaning of the Securities Act, against
     any losses, claims, damages or liabilities, joint or several, to which
     such holder or any such director or officer or participating person or
     controlling person may become subject under the Securities Act or any
     other statute or at common law, insofar as such losses, claims, damages
     or liabilities (or actions in respect thereof) arise out of or are based
     upon (i) any alleged untrue statement of any material fact contained, on
     the effective date thereof, in any registration statement under which
     such securities were registered under the Securities Act, any
     preliminary prospectus or final prospectus contained therein, or any
     amendment or supplement thereto, or (ii) any alleged omission to state
     therein a material fact required to be stated therein or necessary to
     make the statements therein not misleading, and shall reimburse such
     holder or such director, officer or participating person or controlling
     person for any legal or any other expenses reasonably incurred by such
     holder or such director, officer or participating person or controlling
     person in connection with investigating or defending any such loss,
     claim, damage, liability or action; PROVIDED, HOWEVER, that the Company
     shall not be liable in any such case to the extent that any such loss,
     claim, damage or liability arises out of or is based upon any alleged
     untrue statement or alleged omission made in such registration
     statement, preliminary prospectus, prospectus or amendment or supplement
     in reliance upon and in conformity with written information furnished to
     the Company by such holder specifically for use therein. Such indemnity
     shall remain in full force and effect regardless of any investigation
     made by or on behalf of such holder or such director, officer or
     participating Person or controlling Person, and shall survive the
     transfer of such securities by such holder.

          (ii)  Each holder of any Warrant Shares, by acceptance thereof,
     agrees to indemnify and hold harmless the Company, its directors and
     officers and each other Person, if any, who controls the Company within
     the meaning of the Securities Act against any losses, claims, damages or
     liabilities, joint or several, to which the Company or any such director
     or officer or any such Person may become subject under the Securities Act
     or any other statute or at common law, insofar as such losses, claims,
     damages or liabilities (or

                                      11

<PAGE>

     actions in respect thereof) arise out of or are based upon information
     in writing provided to the Company by such holder of such Warrants and
     Warrant Shares contained, on the effective date thereof, in any
     registration statement under which securities were registered under the
     Securities Act at the request of such holder, any preliminary prospectus
     or final prospectus contained therein, or any amendment or supplement
     thereto; PROVIDED, HOWEVER, that such Holder's obligation under this
     Section to indemnify and hold harmless the Company shall in no event
     exceed the proceeds received by such person from the proceeds of shares
     of Common Stock sold pursuant to such Registration Statements.

         (iii)  If the indemnification provided for in this Section from the
     indemnifying party is unavailable to an indemnified party hereunder in
     respect of any losses, claims, damages, liabilities or expenses referred
     to herein, then the indemnifying party, in lieu of indemnifying such
     indemnified party, shall contribute to the amount paid or payable by
     such indemnified party as a result of such losses, claims, damages,
     liabilities or expenses in such proportion as is appropriate to reflect
     the relative fault of the indemnifying party and indemnified parties in
     connection with the actions which resulted in such losses, claims,
     damages, liabilities or expenses, as well as any other relevant
     equitable considerations. The relative fault of such indemnifying party
     and indemnified parties shall be determined by reference to, among other
     things, whether any action in question, including any untrue or alleged
     untrue statement of a material fact or omission or alleged omission to
     state a material fact, has been made by, or related to information
     supplied by, such indemnifying party or indemnified parties, and the
     parties' relative intent, knowledge, access to information and
     opportunity to correct or prevent such action. The amount paid or
     payable by a party under this Section as a result of the losses, claims,
     damages, liabilities and expenses referred to above shall be deemed to
     include any legal or other fees or expenses reasonably incurred by such
     party in connection with any investigation or proceeding. The parties
     hereto agree that it would not be just and equitable if contribution
     pursuant to this Section were determined by pro rata allocation or by
     any other method of allocation which does not take account of the
     equitable considerations referred to in the immediately preceding
     paragraph. No Person guilty of fraudulent representation (within the
     meaning of Section 11(f) of the Securities Act) shall be entitled to
     contribution from any Person who was not guilty of such fraudulent
     misrepresentation.

          (iv)  Each party entitled to indemnification under this paragraph 10
     (the "INDEMNIFIED PARTY") shall give notice to the party required to
     provide indemnification (the "INDEMNIFYING PARTY") promptly after such
     Indemnified Party has actual knowledge of any claim as to which
     indemnity may be sought, and shall permit the Indemnifying Party to
     assume the defense of any such claim or any litigation resulting
     therefrom, provided that counsel for the Indemnifying Party, who shall
     conduct the defense of such claim or litigation, shall be approved by
     the Indemnified Party (whose approval shall not unreasonably be
     withheld), and the Indemnified Party may participate in such defense at
     such party's expense; PROVIDED, HOWEVER, that an Indemnified Party
     (together with all other Indemnified Parties which may be represented
     without conflict by one counsel) shall have the right to retain one

                                      12

<PAGE>

     separate counsel, with the fees and expenses to be paid by the
     Indemnifying Party, if representation of such Indemnified Party by the
     counsel retained by the Indemnifying Party would be inappropriate due to
     actual or potential differing interests between such Indemnified Party
     and any other party represented by such counsel in such proceeding. The
     failure of any Indemnified Party to give notice as provided herein shall
     not relieve the Indemnifying Party of its obligations under this Section
     2, unless the failure to give such notice is materially prejudicial to
     an Indemnifying Party's ability to defend such action. No Indemnifying
     Party, in the defense of any such claim or litigation, shall, except
     with the consent of each Indemnified Party, consent to entry of any
     judgment or enter into any settlement which does not include as an
     unconditional term thereof the giving by the claimant or plaintiff to
     such Indemnified Party of a release from all liability in respect to
     such claims or litigation.

     11.  COVENANTS RELATING TO RULE 144. The Company will file reports in
compliance with the Securities Exchange Act of 1934, as amended, and comply
with all rules and regulations of the Commission applicable to the use of
Rule 144.

     12.   GOVERNING LAW. This Warrant shall be governed by, and construed
and enforced in accordance with, the laws of the State of Delaware, without
regard to conflicts of laws principles.

     13.   MISCELLANEOUS

     (a)   This Warrant and any provision hereof may be changed, waived,
           discharged, or terminated only by an instrument in writing signed
           by the party (or any predecessor in interest thereof) against which
           enforcement of the same is sought; provided, however that the terms
           of the Warrants (other than the Purchase Price and the number of
           shares issuable hereunder) may be amended with the consent of the
           Holders of outstanding Warrants which would be exercisable to
           purchase a majority of the Warrant Shares outstanding and issuable
           upon the exercise of all then outstanding Warrant Shares. The
           headings in this Warrant are for purposes of reference only and
           shall not affect the meaning or construction of any of the
           provisions hereof.

     (b)   All notices, requests, consents and other communications
           hereunder shall be in writing, shall be sent by confirmed facsimile
           or mailed by first-class registered or certified airmail, or
           nationally recognized overnight express courier, postage prepaid,
           and shall be deemed given when so sent in the case of facsimile
           transmission, or when so received in the case of mail or courier,
           and addressed as follows:

                  if to the Company, to:

                            Delphi Information Systems, Inc.
                            3501 Algonquin Road
                            Rolling Meadows, Illinois 60008

                                      13

<PAGE>

                            Attention: Law Department
                            Phone: (847) 506-3100
                            Fax: (847) 590-8280

                            with a copy to the Chief Financial Officer of the
            Company at the same address, and

                  if to the Warrantholder, to:

                            Hewlett-Packard Company
                            3000 Hanover Street
                            Mail Stop 20 BQ
                            Palo Alto, California 94304
                            Attention: General Counsel
                            Phone: (650) 857-1501
                            Fax: (650) 857-4392

      IN WITNESS WHEREOF, the Company has caused this Warrant to be signed by
a duly authorized officer and to be dated as of the 20th day of August, 1999.

                                            DELPHI INFORMATION SYSTEMS, INC.

                                            By:      [ILLEGIBLE]
                                                ______________________________

                                            Its:    Vice President
                                                 _____________________________

                                      14

<PAGE>

                             FULL SUBSCRIPTION FORM

To Be Executed By the Registered Warrantholder if It/
She/He Desires to Exercise in Full the Within Warrant

     The undersigned hereby (A) exercises the right to purchase the
___________ shares of Common Stock covered by the within Warrant at the date
of this subscription and herewith makes payment of the sum of
$____________________ representing the Purchase Price of $___________________
per share in effect at that date or (B) elects to exercise this Warrant for
the purchase of _______________ shares of Common Stock, pursuant to the
provisions of Paragraph 2(b) of the attached Warrant. Certificates for such
shares shall be issued in the name of and delivered to the undersigned,
unless otherwise specified by written instructions, signed by the undersigned
and accompanying this subscription.

Dated: ______________________________

                                             Signature: ______________________

                                             Address:

                                      15

<PAGE>

                              PARTIAL SUBSCRIPTION FORM

To Be Executed by the Registered Warrantholder if It/
She/He Desires to Exercise in Part Only the Within Warrant

     The undersigned hereby (A) exercises the right to purchase
______________ shares of the total shares of Common Stock covered by the
within Warrant at the date of this subscription and herewith makes payment of
the sum of $__________________ representing the Purchase Price of
$____________ per share in effect at this date or (B) elects to exercise this
Warrant for the purchase of _______________ shares of Common Stock, pursuant
to the provisions of Paragraph 2(b) of the attached Warrant.

     Certificates for such shares and a new Warrant of like tenor and date for
the balance of the shares not subscribed for (if any) shall be issued in the
name of and delivered to the undersigned, unless otherwise specified by
written instructions, signed by the undersigned and accompanying this
subscription.

[The following paragraph need be completed only if the Purchase Price and
number of shares of Common Stock specified in the within Warrant have been
adjusted pursuant to Section 6.]

     The shares hereby subscribed for constitute _______________ shares of
Common Stock (to the nearest whole share) resulting from adjustment of
_______________ shares of the total of ________________ shares of Common
Stock covered by the within Warrant, as such shares were constituted at the
date of the Warrant.

Dated: ______________________________

                                       Signature: ____________________________

                                       Address:

                                      16

<PAGE>

                                   CALCULATION FORM

1.   As of _____________, 1999 (which is the last day of the Company's most
     recent fiscal quarter) (the "Calculation Date"), the number of the
     Company's outstanding shares of Common Stock was ___________________,
     as reported on the Company's Form [10-K/10-Q] for the fiscal
     [year/quarter] ended ____________, ____.

2.   As of the Calculation Date, the Warrantholder may purchase, pursuant to
     the Warrant, [4.9%] of the outstanding shares of the Common Stock
     which, as of the Calculation Date, is equal to _____________ shares and
     such shares may be purchased during the period commencing August __,
     1999 and ending August __, 2000, at an exercise price equal to [$15.00]
     per share.

3.   As of the Calculation Date, the Warrantholder may purchase, pursuant to
     the Warrant, [4.5%] of the outstanding shares of the Common Stock
     which, as of the Calculation Date, is equal to _________________ shares,
     and such shares may be purchased during the period commencing August __,
     2000 and ending August __, 2001, at an exercise price equal to [$20.00]
     per share.

4.   As of the Calculation Date, the Warrantholder, to the extent it has not
     exercised its right to purchase any of the shares under paragraph 2
     above, may purchase, pursuant to the  Warrant, in addition to the
     number of shares the Warrantholder may purchase under paragraph 2
     above, [4.9%] of the outstanding shares of the Common Stock, which, as
     of the Calculation Date, is equal to _____ shares, as such shares may
     be purchased during the period commencing August __, 2000 and ending
     August __, 2001 at an exercise price equal to [$20.00] per share.

                                 DELPHI INFORMATION SYSTEMS, INC.

                                 Signature:  ________________________________

                                 Date: ______________________________________

                                      17<PAGE>

                                                                  Exhibit 10.23

                    [LOGO] Info   The Ultimate Directory
                           Space  www.infospace.com
                           -----------------------------

          INTERNET INFOSPACE CONTENT (WORLD WIDE WEB SITE) DISTRIBUTION
                                    AGREEMENT

      THIS AGREEMENT, dared as of August 31. 1999 (the "Effective Date"), is
made by and between InfoSpace.com, Inc., a Delaware corporation, ("InfoSpace"),
with offices at 15375 NE 9Oth Street Redmond, WA 98052, and Delphi information
Systems, Inc., a Delaware corporation ("Company), with offices at 3501 Algonquin
Road, Rolling Meadows, IL 60008

                                    RECITALS

      This Agreement is entered into with reference to the following facts:

      A. InfoSpace maintains on Certain locations of its Web Sites (its defined
below) and makes available to internet users certain content, resources,
archives, indices, catalogs and collections of information (collectively, such
materials are identified in Exhibit A and referred to herein as the "Content")

      B. InfoSpace wishes to grant certain rights and licenses to Company with
respect to access to me Content and certain other matters, and Company wishes to
grant certain rights and licenses to InfoSpace with respect to the Company Web
Sites (as defined below) and certain other matters, as set forth in this
Agreement

      C. Company and InfoSpace have entered into related agreements of even
dates herewith, including an Internet Promotion Agreement ("Promotion
Agreement") and a Content Provider Agreement.

                                    AGREEMENT

      The parties agree as follows.

      Section 1. Definitions.

      As used herein, the following terms have the following defined meanings:

      "Banner Advertisement" means a rotating banner advertisement of
approximately 468 x 60 pixels located at the top and/or bottom of a Web Page.

      "Co-branded Pages" means, collectively, Query Pages and Results Pages.

      "Company Marks" means those Trademarks of Company set forth on Exhibit B
hereto and such other Trademarks (if any) as Company may from time to time
notify InfoSpace in writing to be "Company Marks" within the meaning of this
Agreement.

      "Company Web Sites" means, collectively, all Web Sites maintained by or on
behalf of Company and its affiliates.

      "Graphical User Interface" means a graphical user interface, to be
designed by Company and InfoSpace and implemented by InfoSpace pursuant to the
terms of this Agreement, that contains or implements branding, graphics,
navigation. Content or other characteristics or features such that a user
reasonably would conclude that such interface is pan of the Company Web Sites

                                      -1-
<PAGE>

      "Impression" means a user's viewing of any discrete screen of a Co-branded
Page containing any Banner Advertisement.

      "InfoSpace Marks" means those Trademarks of InfoSpace (if any) set forth
on Exhibit B hereto and such other Trademarks as InfoSpace may from time to time
notify Company in writing to be "InfoSpace Marks" within the meaning of this
Agreement.

      "InfoSpace Web Sites" means, collectively: (a) the Web Site the primary
home page of which is located at http://www.infospace.com; and (b) other Web
Sites maintained by InfoSpace and its affiliates.

      "Intellectual Property Rights" means any parent, copyright, rights in
Trademarks, trade secret rights, moral rights and other intellectual property or
proprietary rights arising under the laws of any jurisdiction.

      "Person" means any natural person, corporation, partnership, limited
liability company or other entity

      "Query Page" means any page hosted on the InfoSpace Web Sites which
incorporates the Graphical User Interface and on which users may input query and
searches relating to the Content.

      "Results Page" means any page hosted on the InfoSpace Web Sites which
incorporates the Graphical User Interface and displays Content in response to
queries and searches made on a Query Page.

      "Term" is defined on Exhibit C.

      "Trademarks" means any trademarks, service marks, trade dress, trade
names, corporate names, proprietary logos or indicia and other source or
business identifiers.

      "Web Site" means any point of presence maintained on the Internet or on
any other public data network. With respect to any Website maintained on the
World Wide Web, such Website includes all HTML pages (or similar unit of
information presented in any relevant data protocol) that either (a) are
identified by the same second-level domain (such as infospace.com) or by the
same equivalent level identifier in any relevant address scheme, or (b) contain
branding, graphics, navigation or other characteristics such that a user
reasonably would conclude that the pages are part of an integrated information
or service offering.

      2. Certain Rights Granted.

      2.1 InfoSpace Grant. Subject to the terms and conditions of this
Agreement, InfoSpace hereby grants to Company the following rights:

            (a) the right to include on the Company Web Sites hypertext links
(whether in graphical, text or other format) which enable "point and click"
access to locations of the InfoSpace Web Sites specified by InfoSpace (and
subject to change by InfoSpace from time to time), and

            (b) the right to permit users to link to Results Pages via Query
Pages hosted on the Company Web Sites; and

            (c) the right to include XML Feeds of certain Content to be
determined solely by InfoSpace on the Company Web Sites.

      2.2 Company Grant. Subject to the terms and conditions of this Agreement.
Company hereby grants InfoSpace the following rights:

                                      -2-
<PAGE>

            (a) the right to include on the InfoSpace Web Sites hypertext links
(whether in graphical, text or other format) which enable "point and click"
access to locations of the Company Web Sites specified by Company (and subject
to change by Company from time to time);

            (b) the right to sell and serve Banner Advertisements directly on
the Co-branded Pages as provided in Section 4, and

            (c) the right to track the number of Impressions.

      2.3 Limitations. Company and its affiliates shall have no right to
reproduce or sub-license, re-sell or otherwise distribute (other than as
provided in this Agreement) all or any portion of the Content to any Person via
the Internet (including the World Wide Web) or any successor public or private
data network. Company understands that if this Agreement and delivery of the
Content or any portion hereunder to Company shall cause InfoSpace to be in
violation of any law of any jurisdiction or third party agreement, then
InfoSpace may at any time modify its grant of rights to the extent necessary to
ensure compliance. In addition, neither party shall have any right to: (a) edit
or modify any Banner Advertisements, submitted for a Co-branded Page (but
without limiting InfoSpace's right to reject any Banner Advertisements pursuant
to Section 4.1); or (b) remove, obscure or alter any notices of Intellectual
Property Rights appearing in or on any materials (including Banner
Advertisements) provided by the other party.

      2.4 Company Marks License. Subject to Section 2.6, Company hereby grants
InfoSpace the rights to use, reproduce, publish, perform and display the Company
Marks: (a) on the InfoSpace Web Sites in connection with the posting of
hyperlinks to the Company Web Sites; (b) in and in connection with the
development, use, reproduction, modification, adaptation, publication, display
and performance of the Graphical User Interface and Results Pages; and (c) in
promotional and marketing materials, content directories and indices, and
electronic and printed advertising, publicity, press releases, newsletters and
mailings about InfoSpace.

      2.5 InfoSpace Marks License. Subject to Section 2.6, InfoSpace hereby
grants the right to use, reproduce, publish, perform and display the InfoSpace
Marks: (a) on the Company Web Sites in connection with the posting of hyperlinks
to the InfoSpace Web Sites; (b) in and in connection with the development, use,
reproduction in promotional and marketing materials, content directories and
indices, and electronic and printed advertising, publicity, press releases,
newsletters and mailings about Company.

      2.6 Approval of Trademark Usage. InfoSpace shall not use or exploit in any
manner any of the Company Marks, and Company shall not use or exploit in any
manner any of the InfoSpace Marks, except in such manner and media as the other
party may consent to in writing, which consent shall not be unreasonably
withheld or delayed. Either party may revoke or modify any such consent upon
written notice to the other party.

      2.7 Nonexclusivity. Each party acknowledges and agrees that the rights
granted to the other party in this Agreement are non-exclusive, and that,
without limiting the generality of the foregoing, nothing in this Agreement
shall be deemed or construed to prohibit either party from participating in
similar business arrangements as those described herein including soliciting
third party advertisements or other materials, serving advertisements or other
materials to third parties' Web Sites, or hosting or permitting third parties to
place advertisements on such party's Web Site, whether or not, in each such
case, such advertisements are competitive with the products, services or
advertisements of the other party.

      3. Certain Obligations of the Parties.

      3.1 Graphical User Interface and Co-branded Pages. Company and InfoSpace
will cooperate to design the user-perceptible elements of the Graphical User
Interface, with the goals of: (a) conforming the display output of the "look and
feel" associated with the applicable Company Web Sites, and (b) maximizing the
commercial effectiveness thereof. Following agreement by the parties upon the

                                      -3-
<PAGE>

design specifications thereof, InfoSpace will use commercially reasonable
efforts to develop the Graphical User Interface and to implement the same on
Co-branded Pages in a timely manner. InfoSpace shall have no liability or
obligation (or failure to develop or implement the Graphical User Interface or
any Co-branded Pages as contemplated by this Section 3.1, or for any
nonconformity with the design specifications agreed upon by the parties,
provided InfoSpace has used technically reasonable efforts to develop and
implement the same as provided in this Section 3 1. The URL for the Co-Branded
Pages shall not include Company's domain name. Any re-designs or non-standard
designs requested by Company (beyond the initial standard template design
contemplated by this section) shall be charged at InfoSpace's then current
published rates, under a separate agreement.

      3.2 Data Feeds. A its sole discretion, InfoSpace shall to provide Company
data feeds ("Data Feeds") for Stock Quotes and Weather in a format to be
determined by InfoSpace. InfoSpace shall have no liability or obligation for
failure to develop or implement the Data Feeds as contemplated by this Section
3.2. or for any nonconformity with the design specifications agreed upon by the
parties, provided InfoSpace has used commercially reasonable efforts to develop
and implement the same in a timely manner as provided in this Section 3.2. Any
re-designs or non-standard designs requested by Company for Data Feeds shall be
charged at InfoSpace's then current published rates.

      3.3 The InfoSpace logo and at least one other link pointing in pages of
the InfoSpace Web Sites specified by InfoSpace (and subject to change by
InfoSpace front time to time) will be present on all Co-branded Pages. Each link
contemplated by this Section 3.2 shall be: (a) prominent in relation to links to
other Web Sites on the applicable page (and in any event at least an prominent
as any link to any third party Web Site); and (b) above-the-fold (i.e.,
immediately visible to any user accessing the applicable page without the
necessity of scrolling downward or horizontally).

      3.4 Accessibility of Web Sites. Each party will use commercially
reasonable efforts to ensure accessibility of its Web Sites (including, in the
case of InfoSpace, the accessibility of the Content).

      3.5 Impression Information. InfoSpace shall track and allow the Company to
remotely access in electronic form information maintained by InfoSpace
concerning the number of Impressions.

      3.6 Publicity. The parties may work together to issue publicity and
general marketing communications concerning their relationship and other
mutually agreed-upon matters, provided, however, that neither party shall have
any obligation to do so. In addition, neither party shall issue such publicity
and general marketing communications concerning their relationship without the
prior written consent of the other party (not to be unreasonably withheld).
Neither party shall disclose the terms of this Agreement to any third party
other than its outside counsel, auditors, and financial advisors, except as
required by law.

      4. Placement of Banner Advertisements. In addition to the terms and
conditions otherwise set forth in this Agreement, Banner Advertisements sold on
the Co-branded Pages shall be governed by the terms and conditions set forth on
Exhibit C.

      5. Warranties, Indemnification and Limitation of Direct Liability.

      5.1 Warranties

      Each party to this Agreement represents and warrants to the other party
that:

      a)    it has the full corporate right, power and authority to enter into
            this Agreement and to perform the acts required of it hereunder;

                                      -4-
<PAGE>

      b)    its execution of this Agreement by such party and performance of its
            obligation hereunder, do not and will not violate any agreement to
            which it is a party or by which it is bound;

      c)    when executed and delivered, this Agreement will constitute the
            legal, valid and binding obligation of such party, enforceable
            against it in accordance with its terms; and

      its Web Sites and the content contained therein, and all Banner
      Advertisements served or submitted by it to the Co-branded Pages, as the
      case may be, will not contain any material that is adult content, alcohol
      products, tobacco products, violence obscene, pornographic, libelous
      defamatory, infringing of any third party Intellectual Property Rights,
      invasion of privacy or publicity or highly offensive or immoral

      d)    Each party will perform its obligations under this Agreement in a
            timely manner as contemplated by this Agreement.

Further, InfoSpace warrants to Company that, to the best of its knowledge, it
operates its website in compliance with applicable laws.

      5.2 Indemnification. Each party (the "Indemnifying Party") will defend,
indemnify and hold harmless the other party (the indemnified Party"), and the
respective directors, officers, employees, agents and its successors and assigns
of the Indemnified Party, from and against any and all claims, costs, losses,
damages, judgments and expenses (including reasonable attorneys' fees) arising
out of or in connection with any third-party claim alleging any breach of such
party's representations or warranties or covenants set forth in this Agreement.
The Indemnified Party agrees that the Indemnifying Party shall have sole and
exclusive control ova the defense and settlement of any such third party claim.
The Indemnified Party shall promptly notify the Indemnifying Party of any such
claim of which it becomes aware and shall: (a) at the Indemnifying Party's
expense, provide reasonable cooperation to the Indemnifying Party in connection
with the defense or settlement of any such claim; and (b) at the Indemnified
Party's expense, be entitled to participate in the defense of any such claim.
The Indemnifying Party shall not acquiesce to any judgment or enter into any
settlement that adversely affects the Indemnified Party's rights or interests
without prior written consent of the Indemnified Party.

      5.3 Limitation of Liability; Disclaimer.

            (a) Liability. UNDER NO CIRCUMSTANCES SHALL EITHER PARTY BE LIABLE
TO THE OTHER PARTY FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR
EXEMPLARY DAMAGES (EVEN IF THAT PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF
SUCH DAMAGES), ARISING FROM ANY PROVISION OF THIS AGREEMENT, SUCH AS, BUT NOT
LIMITED TO, LOSS OF REVENUE OR ANTICIPATED PROFITS OR LOST BUSINESS. EITHER
PARTY'S LIABILITY (WHETHER ARISING IN TORT, CONTRACT OR OTHERWISE AND
NOTWITHSTANDING ANY FAULT, NEGLIGENCE (WHETHER ACTIVE, PASSIVE OR IMPUTED),
PRODUCT LIABILITY OR STRICT LIABILITY OP INFOSPACE) UNDER THIS AGREEMENT OR WITH
REGARD TO ANY OF THE PRODUCTS OR SERVICES RENDERED BY INFOSPACE UNDER THIS
AGREEMENT (INCLUDING ANY SERVERS OR OTHER HARDWARE, SOFTWARE AND ANY OTHER ITEMS
USED OR PROVIDED FLY INFOSPACE OR ANY OTHER PARTIES IN CONNECTION WITH HOSTING
THE CO-BRAND) PAGES), THE INFOSPACE WEB SITES AND ANY OTHER ITEMS OR SERVICES
FURNISHED UNDER THIS AGREEMENT WILL IN NO EVENT EXCEED THE COMPENSATION PAID BY
COMPANY TO INFOSPACE UNDER THIS AGREEMENT.

            (b) No Additional Warranties. EXCEPT AS SET FORTH IN THIS AGREEMENT,
NEITHER PARTY MAKES, AND EACH PARTY HEREBY SPECIFICALLY DISCLAIMS, ANY
REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED (INCLUDING ANY IMPLIED
WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE AND IMPLIED
WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.), AND EACH
PARTY HEREBY SPECIFICALLY DISCLAIMS ANY CLAIM IN

                                      -5-
<PAGE>

TORT (INCLUDING NEGLIGENCE). IN EACH CASE. REGARDING THEIR WEB SITES, ANY
PRODUCTS OR SERVICES DESCRIBED THEREON, ANY BANNER ADVERTISEMENTS, OR ANY OTHER
ITEMS OR SERVICES PROVIDED UNDER TILLS AGREEMENT. WITHOUT LIMITING THE
GENERALITY OF THE FOREGOING, COMPANY ACKNOWLEDGES THAT THE INFOSPACE WEB SITES
AND THE CONTENT (INCLUDING ANY SERVERS OR, OTHER HARDWARE, SOFTWARE AND ANY
OTHER ITEMS USED OR PROVIDED BY INFOSPACE OR ANY THIRD PARTIES IN CONNECTION
WITH HOSTING TILE INFOSPACE WEB SITES OR THE CONTENT OR PERFORMANCE OF ANY
SERVICES HEREUNDER) ARE PROVIDED "AS IS" AND THAT I.NFOSPACE MAKES NO WARRANTY
THAT IT WILL CONTINUE TO OPERATE ITS WEB SITES IN THEIR CURRENT FORM, THAT ITS
WEB SITES WILL. BE ACCESSIBLE WITHOUT INTERRUPTION. THAT WEB SITES WILL MEET THE
REQUIREMENTS OR EXPECTATIONS OF THE OTHER PARTY, OR THAT THE CONTENT OR ANY
OTHER ANY MATERIALS ON ITS WEB SITES OR THE SERVERS AND SOFTWARE THAT MAKES ITS
WEB SITES AVAILABLE ARE FREE FROM ERRORS, DEFECTS, DESIGN FLAWS OR OMISSIONS.

      6. Term and Termination.

      6.1 Term. The term of this Agreement is as set forth on Exhibit C.

      6.2 Termination. Either party may terminate the Term upon not less than
thirty (30) days' prior written notice to the ocher party of any material breach
hereof by such ocher party. provided that such ocher party has not cured such
material breach within such thirty (30) day period.

      6.3 Effect of Termination. Upon termination or expiration of the Term for
any reason. all rights and obligations of the parties under this Agreement shall
be extinguished, except that: (a) all accrued payment obligations hereunder
shall survive such termination or expiration: and (b) the rights and obligations
of the parties under Sections 4.2, 5, 6, 7 and S shall survive such termination
or expiation.

      7. Intellectual Property.

      7.1 Company. As between the parties, Company retains all right, title and
interest in and to the Company Web Sites (including, without limitation, any and
all content, data, URLs, domain names, technology, software, code, user
interfaces, "look and feel", Trademarks and other items posted thereon or used
in connection or associated therewith; bar excluding any Content or ocher items
supplied by InfoSpace) and the Company Marks along with all Intellectual
Property Rights associated with any of the foregoing. All goodwill arising out
of InfoSpace's use of any of the Company Marks shall inure solely to the benefit
of Company.

      7.2 InfoSpace. As between the parties, InfoSpace retains all right, title
and interest in and to the Content and the InfoSpace Web Sites (including,
without limitation, any and all content, data, URL's, domain names, technology,
software, code, user interfaces, "look and feel", Trademarks and other items
posted thereon or used in connection or associated therewith; but excluding any
items supplied by Company) and the InfoSpace Marks, along with all Intellectual
Property Rights associated with any of the foregoing All goodwill arising out of
Company's use of any of the InfoSpace Marks shall inure solely to the benefit of
InfoSpace.

      7.3 Copyright Notices. All Co-branded Pages will include the following
acknowledgment, along with the InfoSpace logo.

              "Powered by InfoSpace" or "Powered by InfoSpace.com"

      InfoSpace and Company acknowledge that the Co-branded Pages may also
contain copyright and patent notices of copyrighted or copyrightable works,
including those of InfoSpace Content providers. InfoSpace agrees and
acknowledges that the Co-branded Pages will also contain copyright and patent
notices of copyrighted or copyrightable works to be designated by Company.

                                      -6-
<PAGE>

      7.4 Other Trademarks. InfoSpace shall not register or attempt to register
any of the Company Marks or any Trademarks which Company reasonably deems to be
confusingly similar to any of the Company Marks. Company shall not register or
attempt to register any of the InfoSpace Marks or any Trademarks which InfoSpace
reasonably deems to be confusingly similar to any of the InfoSpace Marks.

      7.5 Further Assurances. Each party shall take, at the other party's
expense, such action (including, without limitation, execution of affidavits or
other documents) as the other party may reasonably request to effect, perfect or
confirm such other party's ownership interests and other rights as set forth
above in this Section 7.

      8. General Provisions.

      8.1 Confidentiality. Each party (the "Receiving Party") undertakes to
retain in confidence the terms of this Agreement and all other non-public
information and know-how of the other party disclosed or acquired by the
Receiving Party pursuant to or in connection with this Agreement which is either
designated as proprietary and/or confidential or by the nature of the
circumstances surrounding disclosure, ought in good faith to be treated as
proprietary and/or confidential ("Confidential Information"); provided that each
party may disclose the terms and conditions of this Agreement to its immediate
legal and financial consultants in the ordinary course of its business. Each
party agrees to use commercially reasonable efforts to protect Confidential
Information of the other party, and in any event, to cake precautions at least
as great as those taken to protect its own confidential information of a similar
nature. Both parties acknowledge that the terms of this Agreement are
Confidential Information. The foregoing restrictions shall not apply to any
information that: (a) was known by the Receiving Party prior to disclosure
thereof by the other party, (b) was in or entered the public domain through no
fault of the Receiving Party; (c) is disclosed to the Receiving Party by a third
party legally entitled to make such disclosure without violation of any
obligation of confidentiality; (d) is required to be disclosed by applicable
laws or regulations (but in such event, only to the extent required to be
disclosed and after notice is given or the other party with an opportunity to
object), or (e) is independently developed by the Receiving Party without
reference to any Confidential Information of the other party. Upon request of
the other party, or in any event upon any termination or expiration of the Term,
each party, shall return to the other all materials, in any medium, which
contains, embody, reflect or reference all or any part of any Confidential
Information of the other party. Each party acknowledges that breach of this
provision by it would result in inseparable harm to the other party, for which
money damages would be an insufficient remedy, and therefore that the other
party shall be entitled to seek injunctive relief to enforce the provisions of
this Section 8.1.

      8.2 Independent Contractors. Company and InfoSpace are independent
contractors under this Agreement, and nothing herein shall be construed to
create a partnership, joint venture, franchise or agency relationship between
Company and InfoSpace. Neither party has any authority to enter into agreements
of any kind on behalf of the other party.

      8.3 Assignment. Neither party may assign this Agreement or any of its
rights or delegate any of its duties under this Agreement without the prior
written consent of the other party, not to be unreasonably withheld; except that
either party may, without the other party's consent, assign this Agreement or
any of its rights or delegate any of its duties under this Agreement: (a) to any
affiliate of such party, or (b) to any purchaser of all or substantially all of
such party's assets or to any successor by way of merger, consolidation or
similar transaction. Subject to the foregoing, this Agreement will be binding
upon, enforceable by, and inure to the benefit of the parties and their
respective successors and assigns.

      8.4 Choice of Law; Forum Selection. This Agreement shall be governed by.
and construed in accordance with, the laws of jurisdiction of the defendant
without reference to its choice of the rules.

                                      -7-
<PAGE>

      8.5 Nonwaiver. No waiver of any breach of any provision of this Agreement
shall constitute a waiver of any prior, concurrent or subsequent breach of the
same or any other provisions hereof, and no waiver shall be effective unless
made in writing and signed by an authorized representative of the waiving party.

      8.6 Force Majeure. Neither party shall be deemed to be in default of or to
have breached any provision of this Agreement as a result of any delay, failure
in performance or interruption of service, resulting directly or indirectly from
acts of God, acts of civil or military authorities, civil disturbances, wars,
strikes or other labor disputes, fires, transportation contingencies,
interruptions in telecommunications or Internet services or network provider
services, failure of equipment and/or software, other catastrophes or any other
occurrences which are beyond such party's reasonable control.

      8.7 Notices. Any notice or other communication required or permitted to be
given hereunder shall be given in writing and delivered in person, wailed via
confirmed facsimile or e-mail, or delivered by recognized courier service,
properly addressed and stamped with the required postage, to the person signing
this Agreement on behalf of the applicable party at its address specified in the
opening paragraph of the agreement and shall be deemed effective upon receipt.
Either party may from time to time change the person to receive notices or its
address by giving the other party notice of the change in accordance with this
section. In addition, a copy of any notice sent to InfoSpace or Company, as
applicable, shall also be sent to the following address:

      InfoSpace.com, Inc.          Delphi Information Systems. Inc.
      15375 NE 90th Street         3501 Algonquin Road
      Redmond, WA 98052            Rolling Meadows, IL 60008
      Fax: (425) 883-4846          Fax 847-590-8280
      Attention: General Counsel   Attention: Legal Department

      8.8 Savings. In the event any provision of this Agreement shall for any
reason be held to be invalid, illegal or unenforceable in any respect, the
remaining provisions shall remain in full force and effect. If any provision of
this Agreement shall, for any reason, be determined by a court of competent
jurisdiction to be excessively broad or unreasonable as to scope or subject,
such provision shall be enforced to the extent necessary to be reasonable under
the circumstances and consistent with applicable law while reflecting as closely
as possible the intent of the parties as expressed herein.

      8.9 Integration. This Agreement contains the entire understanding of the
parties hereto with respect to the transactions and matters contemplated hereby,
supersedes all previous agreements or negotiations between InfoSpace and Company
concerning the subject matter hereof, and cannot be amended except by a writing
signed by both parties. This Agreement does not constitute an offer by InfoSpace
and it shall not be effective until signed by both parties.

      8.10 Counterparts; Electronic Signature. This Agreement may be executed in
counterparts, each of which will be deemed an original, and all of which
together constitute one and the same instrument. To expedite the process of
entering into this Agreement, the parties acknowledge that Transmitted Copies of
the Agreement will be equivalent to original documents until such time as
original documents are completely executed and delivered. "Transmitted Copies"
will mean copies that are reproduced or transmitted via photocopy, facsimile or
other process of complete and accurate reproduction and transmission.

      IN WITNESS WHEREOF, the parties have duly executed and delivered this
Agreement as of the Effective Date.

                                      -8-
<PAGE>

Delphi Information Services             InfoSpace.com, Inc.
---------------------------             -------------------
-----------                             ("InfoSpace")
("Company")                             -------------
-----------

By (signature) /s/ Robin Raina          By (signature) /s/ Bernee D.L. Strom
------------------------------          ------------------------------------
Name ROBIN RAINA                        Name BERNEE D.L. STROM
------------------------------          ------------------------------------
Title PRESIDENT                         Title President & CEO
------------------------------          ------------------------------------

                                      -9-
<PAGE>

                                    EXHIBIT A
                                     CONTENT

      The Content consists of the following indices, directories and other items
and services (as the same may by updated, revised or modified by InfoSpace in
its sole discretion from time to time):

1. Stock Quotes
2  Weather
3  Mapping and Driving Directions
4  Other items and services that may from time to time be added to the
   InfoSpace Web Sites by InfoSpace (in its sole discretion)

               Note: The actual name of these services may change.

                                      -10-
<PAGE>

                                    EXHIBIT B
                                   TRADEMARKS

Company Marks
-------------

ebix
ebix.com
ebix.com-- The Electronic Brokers & Insurers Express
ebix.mall
ebix.mall.com
ebix.link
ebix.link.com
ebix.marketplace
Internet Insurance Exchange

(as supplemented from time to time by Company)

InfoSpace Marks
---------------

InfoSpace

InfoSpace.com

[GRAPHIC OMITTED]  Powered By InfoSpace

Powered by InfoSpace.com

The Ultimate Directory

ActiveShopper

PageExpress

Search Engine For The Real World

The Stuff That Portals Are Made Of

                                      -11-
<PAGE>

                                    EXHIBIT C

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

            "Banner Advertising Revenue" means the gross revenues payable to
third parties that is received by InfoSpace for delivering Banner Advertisement
Impressions.

      2. Term. The term of this Agreement shall commence on the Effective Date
and, unless earlier terminated or extended as provided below, shall end upon the
second (2) year anniversary of this Agreement; provided that the Term shall be
automatically be renewed for successive one-year periods unless either party
provides written notice of termination to the other party at least thirty (30)
days prior to the end of the then-current Term.

      3. Banner Advertisements, InfoSpace shall have the exclusive right to
serve and sell Banner Advertisements on the Co-branded Pages. The appearance of
the Banner Advertisements will be as reasonably determined by InfoSpace:
provided, that InfoSpace may reject any Banner Advertisement if such Banner
Advertisement would materially adversely affect the download time or performance
of such Co-branded page. Neither party will submit for any Co-branded Page any
Banner Advertisement which contains any material that is adult content, alcohol
products, tobacco products, violence obscene, pornographic, libelous defamatory,
infringing of any third party Intellectual Property Rights, invasion of privacy
or publicity or highly offensive or immoral.

      4. Banner Advertising Revenue Share. The parties will share Banner
Advertising Revenues as follows: InfoSpace shall remit to Company twenty-one
percent (21%) of the Banner Advertising Revenue received by InfoSpace for Banner
Advertisements on the Co-branded Pages. Banner Advertising Revenue Share
payments will be reconciled and paid within thirty (30) days following the
calendar quarter in which the applicable Advertising Revenues are received by
InfoSpace. InfoSpace will invoice the Company at the end of each calendar
quarter for that quarter's Banner Advertising Revenues and shall indicate in
such invoice whether Company shall pay such Banner Advertising Revenues in cash
or in shares of stock as set forth in Section 4.1 of the Promotion Agreement.
InfoSpace will provide with each such invoice a report setting forth Banner
Advertising Revenues received by it for such quarter and the percentage thereof
payable to Company.

      5. Records and Audit; Late Payments. During the Term, InfoSpace shall
maintain records of the Banner Advertising Revenues received pursuant to this
Agreement. Company at its expense, and upon ten (10) days advance notice to
InfoSpace, shall have the right once each year during the Term to examine or
audit such records in order to verify the figures reported in any quarterly
report. In the event that any such audit shall reveal an underdelivery of more
than 5% of the Banner Advertising Revenue Share for any quarter, Company shall
have the right to conduct an additional audit during the year, and InfoSpace
shall be responsible to pay the reasonable cost of an audit which determined the
discrepancy of more than 5%. Any such audit shall be conducted, to the extent
possible, in a manner that does not interfere with the ordinary business
operations of InfoSpace.

                                      -12-

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