Document:

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                                                                    EXHIBIT 10.7

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.

            AGREEMENT FOR CREDIT MONITORING BATCH PROCESSING SERVICES

This AGREEMENT FOR CREDIT MONITORING BATCH PROCESSING SERVICES by and among
EQUIFAX CONSUMER SERVICES, INC., a Georgia corporation with a principal place of
business at 1550 Peachtree Street, N.W., Atlanta 30309 ("Consumer Services"),
INTERSECTIONS INC. a Delaware corporation with its principal place of business
at 14930 Bogle Drive, Chantilly, Virginia 20151 ("Intersections") and CREDITCOMM
SERVICES LLC, a Delaware limited liability company with a its principal place of
business at 14930 Bogle Drive, Chantilly, VA 20151 ("CreditComm"), is entered
into as of November 27, 2001 (the "Effective Date")

WHEREAS, Equifax Credit Information Services, Inc. N/K/A Equifax Information
Services LLC ("Equifax"), CreditComm and Processor, entered into an Agreement -
Consumer Disclosure Service effective April 7, 1997, regulating the provision,
access to and use of certain Equifax credit information and the resale of that
information in the form of "CreditCompare" and "Credit Monitoring" Services to
Consumer Subjects, all on the terms and conditions set forth therein (the "Data
Agreement"); and

WHEREAS, Equifax, CreditComm and Processor later entered into a First Addendum
to the Data Agreement, dated March 30, 2001, permitting Intersections and
Processor to access and use Equifax credit information and resale that
information in the form of CreditCompare and Credit Monitoring Services to
consumer subjects in electronic format via the internet, all on the terms and
conditions set forth therein; and

WHEREAS, CreditComm is a wholly-owned subsidiary of Intersections, and

WHEREAS, Equifax, CreditComm, Intersections and Processor are contemporaneously
with this Agreement entering into a Second Amendment to the Data Agreement
providing for certain pricing and other changes; and

WHEREAS, Consumer Services has entered into with Intersections and CreditComm a
certain Marketing, Operational and Cooperative Services Agreement, dated
November 27, 2001 (the "Commercial Agreement"), pursuant to which Intersections,
CreditComm and Consumer Services agree to cooperate on a number of commercial
projects including the transition by Intersections of all of its one bureau and
dual bureau credit monitoring or other reports to use Equifax credit information
as the exclusive credit information incorporated in such services; and

WHEREAS, in order to fully comply with certain agreements and commitments made
in the Commercial Agreement and the Data Agreement, as ammended, Intersections
will need certain Credit Monitoring Batch Processing services;

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

1.   DEFINITIONS. The following definitions shall apply:

     1.1. "Intersections" shall mean and include CreditComm Services LLC,
Intersections Inc., or Processor, unless otherwise specified herein or unless
the context otherwise requires.

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     1.2. "Intersections Monitoring Products" shall mean the single, dual and
triple bureau credit monitoring products sold to consumers by Intersections
under various names.

     1.3. "Member" shall mean a consumer who has purchased a an Intersections
Monitoring Product.

     1.4. "Member Information" shall mean information about a Member that is
provided by Intersections to Equifax for purposes of the Credit Monitoring Batch
Services.

2.   EXCLUSIVITY.

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

        2.2. Intersections shall use its best efforts to transition all of its
existing one bureau and dual bureau Intersections Monitoring Products to use
Equifax credit information as its underlying component, not later than one
hundred and eighty (180) days after Equifax provides to Intersections the
creditor contact information required by Section 3.4 hereof.

        2.2.1. Intersections will, on a monthly basis, report to Consumer
             Services the number of its Intersections Monitoring Products
             Customers who have been converted to Equifax and the number still
             to be converted.

        2.2.2. Consumer Services 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).

3.   SERVICES.

         3.1. Consumer Services shall provide to Intersections solely for the
purposes of including the same in the Intersections Monitoring Products Credit
Monitoring Batch Processing services ("Credit Monitoring Batch Service")
consisting of a batch processing service that monitors a Member's credit file on
a daily basis, capturing specific changes to a Member's credit file. Consumer
Services shall deliver a file containing these changes to Intersections.

         3.2. Intersections shall use the information received as part of the
Credit Monitoring Batch Service only to calculate the changes to a Members'
credit information for purposes of reporting the same as part of an
Intersections Monitoring Product.

         3.3. Intersections reserves the right to modify or increase the number
of data elements that are scanned for in the Credit Monitoring Batch Service.
The initial data elements shall be: trade lines, new Inquiries, and address
changes.

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         3.4. Consumer Services shall endeavor, using commercially reasonable
means, to make available to Intersections access to the Equifax creditor contact
information in electronic format no later than ninety (90) days after the
Effective Date.

         3.5. Consumer Services will deliver the credit Information through the
Credit Monitoring Batch Service for all Members known to Consumer Services at
the beginning of each month and for any additional new Members whom
Intersections informs Consumer Services of during the month. Credit information
provided through the Credit Monitoring Batch Service will be discontinued as to
any Member cancellation as of the beginning of the next month after
Intersections notifies Consumer Services of such cancellation.

         4.       CONFIGURATION. Each party will, at its expense, be responsible
for configuring its hardware and software so that it is capable of receiving and
or using the Credit Monitoring Batch Services, in accordance with this
Agreement. Equifax will notify Intersections that the Credit Monitoring Batch
Services are configured in accordance with the Agreement, at which time, Equifax
will make the Credit Monitoring Batch Services available to Intersections.

5.   PRICING.

         5.1.     Fees. The fees applicable to the Credit Monitoring Batch
Service provided hereunder shall be inclusive as follows:

          Credit Monitoring Batch   $ ** per month for each Member without
          Processing Services       regard to whether any changes are identified

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

         Intersections will pay to Equifax the fees for the Credit Monitoring
Batch Services as described above, which will be payable by Intersections upon
receipt of Equifax's invoice therefor. Fees payable under this Agreement are not
subject to reduction or set-off for any costs, expenses or liabilities incurred
by Intersections.

         5.2.     Conditions. If at any time, Intersections fails for a
thirty-day period to satisfy the exclusivity requirements of section 1, Consumer
Services may change such pricing for all future purchases to its then current
pricing based on volume.

         5.3.     Failure to Pay Timely. In the event that Intersections fails
to timely pay in whole or in part, any invoice presented by Equifax hereunder
Equifax, reserves the right to (i) suspend the Credit Monitoring Batch Services
until all overdue amounts have been paid and or (ii) change Intersections'
payment terms to require payment in advance. Intersections' repeated or
continued failure to timely pay invoices when due, may result in Equifax
exercising its rights of termination under Section 8.2.

         5.4.     Taxes. All fees quoted in this Agreement are exclusive of any
sales, use or other tax related to the parties' performance of their obligations
or exercise of their rights under this Agreement. Intersections will be
responsible for any sales, use or other tax related to the parties' performance
of their obligations or exercise of their rights under this Agreement regardless
of whether such tax is currently existing or later enacted. Notwithstanding the
foregoing, Intersections will not be responsible for taxes imposed on the
revenues or income of Equifax.

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         5.5.     Records Retention. Unless otherwise provided in this
Agreement, Equifax may maintain records and books of accounts relating to the
computation of the fees owed by Intersections following termination of this
Agreement and other records regarding the performance of the Credit Monitoring
Batch Services.

         5.6.     Disputed Amounts. If Intersections disputes the accuracy or
applicability of a charge or credit, Intersections will notify Equifax of such
dispute as soon as practicable, but in no event later than sixty (60) days,
after such discrepancy has been discovered. In no event will Intersections
initiate a dispute regarding the accuracy or applicability of a charge or credit
more than one (1) year after the invoice date first reflecting such charge or
credit. The parties will investigate and resolve the dispute in a timely
fashion. Intersections will pay any undisputed amounts (including undisputed
amounts in an invoice containing a disputed charge) in accordance with this
Agreement, and Equifax will promptly credit to Intersections any undisputed
credit amounts. A party will pay or credit to the other within ten days after
resolution of a dispute, any amounts agreed to be paid or credited by it.

6.       MEMBER INFORMATION.

         6.1      Disclosure and Use. Intersections hereby grants to Equifax a
nonexclusive license to: (a) use Member Information as required to provide the
Credit Monitoring Batch Services, and internally analyze the performance of the
Credit Monitoring Batch Services; (b) disclose the items of Member Information
to its subcontractors (including its affiliates) for the sole purpose of
providing the Credit Monitoring Batch Services and assisting Equifax in its
performance of its obligations under this Agreement; and (c) disclose Member
Information as required by law or the operation of the Credit Monitoring Batch
Services. Equifax will not, and will use reasonable efforts to ensure that its
subcontractors (including its affiliates) do not, use or disclose Member
Information in any way other than as expressly permitted under this Agreement.
Without limiting the foregoing, Equifax will not, and will use reasonable
efforts to cause its subcontractors (including its affiliates) not to, modify,
update or make any notations in any Equifax database based on the Member
Information except for the addition of a statement in the consumer report of the
Member indicating that such report was delivered to Intersections at the
Member's request (including the date of delivery). Equifax will use at least
industry-standard methods to protect the security of Member Information.

         6.2      Ownership. Except as otherwise provided in this Agreement, as
between Intersections and Equifax: (a) Intersections and its suppliers retain
all right, title and interest in and to all intellectual property rights
embodied in or associated with the Member Information, except for that
identified in the immediately following clause (b), and (b) Equifax and its
suppliers retain all right, title and interest in and to all intellectual
property rights embodied in or associated with the Credit Monitoring Batch
Services except for the Member Information. Aggregation data created from Member
Information by Equifax shall be and remain the property of Equifax. There are no
implied licenses under this Agreement, and any rights not expressly granted to a
licensee under this Agreement are reserved by the licensor or its suppliers.
Neither party will exceed the scope of the licenses granted under this
Agreement.

         6.3      Equifax Credit Watch Members. Notwithstanding the foregoing
paragraph 6.2, nothing in this Agreement is intended to define or transfer the
ownership of any information of a Member who has purchased Equifax Credit Watch
(Offline) to be fulfilled by Intersections.

                                      -4-

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Rights in such information are to be governed by the Commercial Agreement or
other agreements between the parties.

7.       WARRANTIES.

         7.1      Performance of Credit Monitoring Batch Services. Equifax
warrants that (a) it, and each of the subcontractors that it uses to provide and
perform the Credit Monitoring Batch Services, have the necessary knowledge,
skills, experience, qualifications and resources to provide and perform the
Credit Monitoring Batch Services in accordance with this Agreement; and (b) the
Credit Monitoring Batch Services will be performed in a diligent, workmanlike
manner.

         7.2      Member Information. Intersections warrants that it either
owns, or has the right to provide to Equifax according to Section 6.1 of the
Agreement, the Member Information.

         7.3      Disclaimer. Except as otherwise expressly stated in this
Section 7.3, each party provides all materials and services to the other party
"as is," and each party disclaims all warranties and conditions, express,
implied or statutory, including without limitation the implied warranties of
title, non-infringement, and merchantability and fitness for a particular
purpose. Except as otherwise expressly stated in this Agreement, Equifax does
not warrant that the Credit Monitoring Batch Services operate uninterrupted or
error-free. Equifax does not warrant, and will not be liable for, either the
accuracy or results of the Credit Monitoring Batch Services to the extent any
inaccuracies are caused by data and/or information received from Intersections
or any third party (including its affiliates). Each party acknowledges that it
has not entered into this Agreement in reliance upon any warranty or
representation except those specifically set forth in this Agreement.

8.       TERM AND TERMINATION.

         8.1.     Term and Renewal. The term of this Agreement shall be five (5)
years from the Effective Date hereof. This Agreement shall renew for consecutive
two (2) year terms unless, written notice of nonrenewal is given by either party
at least twelve (12) months prior to the effective date of the renewal.

         8.2.     Termination Due to Termination of Commercial Agreement.
Notwithstanding section 5.1 above, and subject to section 5.4 below, this
Agreement shall automatically terminate twenty four (24) months after the date
of termination or expiration of the Commercial Agreement for any reason;
provided, however, that in the event that Intersections terminates the
Commercial Agreement due to the material breach or default of Equifax, this
Agreement shall terminate the later of (i) twenty four (24) months after the
termination of the Commercial Agreement or (ii) five years after the Effective
Date.

         8.3.     Termination of Exclusivity. Notwithstanding the exclusivity
requirement of Section 1 of this Second Addendum, in the event that (i) either
Party gives notice of nonrenewal pursuant to Section 5.1, or (ii) Section 5.2
becomes operable due to the termination or expiration of the Commercial
Agreement, Intersections, may, at its discretion cease purchasing Equifax Credit
Information for new enrollees of Intersections Products (excluding any such
Services being provided to any Equifax-affiliated company) no sooner than six
(6) months prior to the anticipated end of the Term of this Agreement.

                                      -5-

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         8.4.     Change of Control of Intersections. Notwithstanding any
provision of this Agreement to the contrary, this Agreement shall automatically
terminate thirty (30) days after termination of the Commercial Agreement by
Equifax pursuant to Section 21.4.4 thereof (referencing Section 3.8 of a certain
Stockholders Agreement and certain Restricted Purchasers).

         8.5.     Termination Due to Breach. If, at any time, Intersections is
(i) delinquent in the payment of any charges due Equifax pursuant to this
Agreement and remains delinquent for more than thirty (30) days after notice
from Equifax, or (ii) is in violation of any of the material terms of this
Agreement and remains in violation for more than ten (10) days after notice from
Equifax of such violation, then Equifax may, at its election, discontinue
providing Services to Intersections and terminate this Agreement immediately by
giving written notice to Intersections.

         8.6.     Continued Effect. In the event of termination of this
Agreement for any reason, the provisions of this Agreement shall remain in full
force and effect as to all Equifax credit information which Intersections has
requested or received from Equifax prior to the date of termination.

9.       CROSS DEFAULT. Intersections acknowledges and agrees that a default
under this Agreement that remains uncured after giving effect to any available
notice and remedy periods, which would under such circumstances permit Equifax
to terminate this Agreement, shall be a default under the Commercial Agreement
and the Data Agreement.

10. INDEMNITY.

         10.1. Mutual Indemnification. Each party (the "Indemnifying Party")
will indemnify and hold harmless the other party, including, but not limited to
such party's affiliates, officers, employees, directors, agents, successors and
assigns, (the "Indemnified Parties") against any and all damages, losses, costs
and expenses, which the Indemnified Parties pay to third parties with respect to
claims by such third parties based on the Indemnifying Party's willful
misconduct. The Indemnified Party will also indemnify and hold harmless the
Indemnified Parties from reasonable attorney's fees and expenses incurred by
them in the event the Indemnifying Party does not assume the defense of such
claims in accordance with Section 10.4.

         10.2. Intersections Indemnification. Intersections will indemnify and
hold harmless Equifax including, but not limited to, its affiliates, officers,
employees, directors, agents, successors and assigns (the "Equifax
Indemnitees"), against any and all damages, losses, costs and expenses, which
the Equifax Indemnitees pay to third parties with respect to claims by such
third parties based on (i) Intersection's use of the Credit Monitoring Batch
Services (except if such claim results from a breach of the Agreement by Equifax
or the operation or the conduct of Equifax business). Intersections will also
indemnify and hold harmless the Equifax Indemnitees from reasonable attorney's
fees and expenses incurred by them in the event that Intersections does not
assume the defense of such claims in accordance with Section 10.4.

                                      -6-

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         10.3. Equifax Indemnification. Equifax will indemnify and hold harmless
Intersections including, but not limited to, its affiliates, officers,
employees, directors, agents, successors and assigns (the "Intersections
Indemnitees"), against any and all damages, losses, costs and expenses, which
the Intersections Indemnitees pay to third parties with respect to claims by
such third parties based on the infringement of such third parties intellectual
property rights by (i) the Equifax Software (unless such claim results from
Intersections's breach of the Agreement) or (ii) the Credit Monitoring Batch
Services (unless such claim is based on the combination of the Credit Monitoring
Batch Services with any process, software or hardware that is not provided by
Equifax). Equifax will also indemnify and hold harmless Intersections from
reasonable attorney's fees and expenses incurred by them in the event that
Equifax does not assume the defense of such claims in accordance with Section
10.4.

         10.4. Conditions. The indemnified party covenants to (i) give the
indemnifying party notice of the relevant claim as soon as practicable, but in
all events, within a period of time that will not prejudice the rights of the
indemnifying party, (ii) cooperate with the indemnifying party, at the
indemnifying party's expense, in the defense of such claim, and (iii) give the
indemnifying party the right to control the defense and settlement of any such
claim, except that the indemnifying party will not enter into any settlement
that involves a remedy other than the payment of money by the indemnifying party
without the indemnified party's prior written approval which shall not be
unreasonably withheld. The indemnified party will have the right to participate
in the defense at its expense.

         11.      LIABILITY LIMITS. 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.

         11.1.    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 preceding a claim giving rise to such liability.

         11.2.    The limitations of liability set forth in this Section 11
shall not apply in the event of a claim by either party under Section 12.

         12.      CONFIDENTIAL INFORMATION. A party's "Confidential Information"
is defined as any confidential or proprietary information of a party which is
disclosed to the other party, is treated as secret by the disclosing party and
is marked confidential, if disclosed in writing or, if disclosed orally or is
incapable of being marked, is identified as confidential at the time of
disclosure and is followed up by a writing by the disclosing party to the
receiving party within ten (10) days of disclosure indicating the confidential
nature of the information. 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 the 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. 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 such

                                      -7-

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Confidential Information and who agree to observe and abide by the
confidentiality obligations under this Agreement. Confidential Information does
not include information which (a) is already known by the recipient, (b)
becomes, through no act or fault of the recipient, publicly known or available,
(c) is received by recipient from a third party without a restriction on
disclosure or use, or (d) is independently developed by recipient without
reference to the Confidential Information. The restrictions on the disclosure of
Confidential Information will not apply to Confidential Information which is
required to be disclosed by a court or government agency; however, the party
obligated to disclose the other party's Confidential Information in those
circumstances will promptly notify the other party so that party 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 12 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 which does not
rise to the level of a trade secret for the earlier to occur of (y) the
information no longer qualifies as Confidential Information, or (z) two (2)
years following the termination of this Agreement.

         12.1. Each party acknowledges that breach of this Section 12 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 threatened or actual violation or breach of this
Section 12.

13.      COMPLIANCE.

         13.1. With Laws. At its own expense, Equifax will comply with all
applicable laws and regulations regarding the performance of the Credit
Monitoring Batch Services. At its own expense, Intersections will comply with
all applicable laws and regulations regarding the use and receipt of the Credit
Monitoring Batch Services. Intersections acknowledges and agrees that in order
to comply with certain state and federal laws and regulations that apply to the
Credit Monitoring Batch Services Intersections (i) must obtain the Member's
consent prior to Equifax gaining access to the Member's consumer report and (ii)
comply in all respects with the requirements of a user of consumer reports under
the Fair Credit Reporting Act (the "FCRA") including, but not limited to,
providing the Member with adverse action notice as described in Section 615(a)
of the FCRA in certain circumstances.

         13.2. Certification. Intersections hereby certifies that Equifax, on
behalf of Intersections, and Intersections, are obtaining the Member's consumer
report (or information contained therein) for the purpose of providing the
Member Intersections Monitoring Products purchased by the Member in connection
with a transaction initiated by the Member, and that Intersections will not use
such consumer report (or information contained therein) for any other purpose.

         13.3. Export. Intersections acknowledges that the Credit Monitoring
Batch Services and all related technical information, documents and materials,
may be subject to export controls under the U.S. Export Administration
Regulations and may be subject to import controls of Intersections's country.
Intersections will (i) comply strictly with all legal requirements established
under those controls; (ii) cooperate fully with Equifax in any official

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or unofficial audit or inspection that relates to these controls; and (iii) not
export, re-export, divert or transfer, directly or indirectly, any such item (x)
to Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria or any other country
subject to U.S. trade sanctions covering the Credit Monitoring Batch Services or
the related technical information, documents and materials to individuals or
entities controlled by such countries, or to nationals or residents of such
countries other than nationals who are lawfully admitted permanent residents of
countries not subject to such sanctions; or (y) to anyone on the U.S. Treasury
Department's list of specifically Designated Nationals and Blocked Persons or
the U. S. Commerce Department's Table of Denial Orders.

14.      GENERAL.

         14.1. Governing Law. This Agreement will be governed and construed in
accordance with the substantive laws of the State of Georgia.

         14.2. Severability; Headings. If any provision in this Agreement is
held to be invalid or unenforceable for any reason, the remaining provisions
will continue in full force without being impaired or invalidated in any way.
The parties agree to replace any invalid provision with a valid provision that
most closely approximates the intent and economic effect of the invalid
provision. Headings are for reference purposes only and in no way define, limit,
construe or describe the scope or extent of such section.

         14.3. Publicity. Neither party will issue any press release or similar
publicity statement regarding this Agreement without the prior approval of both
parties (not to be unreasonably withheld) or as required by law.

         14.4. Force Majeure. Except as otherwise provided, if performance under
this Agreement is interfered with by any condition beyond a party's reasonable
control, the affected party, upon giving prompt notice to the other party, will
be excused from such performance to the extent of such condition. Force majeure
includes the other party's failure to perform its obligations under this
Agreement in a timely manner due to conditions that affect the Internet. In the
event a force majeure (other than Intersections's failure to perform) interferes
with Equifax's performance of the Credit Monitoring Batch Service, (a) Equifax
will immediately take commercially reasonable steps to mitigate the force
majeure as quickly as commercially reasonable to do so, and (b) if such force
majeure continues for ninety (90) or more days, Intersections at its sole option
may immediately terminate this Agreement.

         14.5. Independent Contractors. The parties are independent contractors,
and no agency, partnership, joint venture, employee-employer or
franchisor-franchisee relationship is intended or created by this Agreement.
Neither party will make any warranties or representations on behalf of the other
party.

         14.6. Notice. Any notices under this Agreement will be given to the
appropriate party at the address specified above or at another address as the
party will specify in writing. Notice will be deemed given: (i) upon personal
delivery; (ii) if sent by fax, upon confirmation of receipt; or (iii) if sent by
a reputable overnight courier with tracking capabilities, one (1) day after the
date of mailing.

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         14.7. Assignment. Neither party may assign this Agreement in whole or
in part without the prior written consent of the other party; provided, however,
that either party may assign this Agreement to an Affiliate.

         14.8. No Third Party Beneficiaries. There are no third party
beneficiaries of this Agreement.

         14.9. Entire Agreement; Waiver. This Agreement (including its Exhibits)
sets forth the entire understanding and agreement of the parties, and supersede
any and all oral or written agreements or understandings between the parties, as
to the subject matter of such Agreements. It may be changed only by a writing
signed by both parties. The waiver of a breach of any provision of this
Agreement will not operate or be interpreted as a waiver of any other or
subsequent breach.

         14.10. Counterparts. This Agreement may be executed in one or more
counterparts, each of which will be deemed an original and all of which will be
taken together and deemed to be one instrument.

         14.11.Credit Inquiries. Intersections must immediately report to
Equifax any material change in its business or in the products or services sold
that affect or utilize the Credit Monitoring Batch Services.

IN WITNESS WHEREOF, the parties hereto have duly executed this agreement as of
the date first written above.

EQUIFAX CONSUMER SERVICES, INC. ("Consumer Services") INTERSECTIONS
("Intersections")

By:  ___________________________               By: __________________________

Name:  _________________________               Name: _________________________

Title: _________________________               Title: ________________________

CREDITCOM SERVICES LLC ("CreditComm")

By: ___________________________

Name: _________________________

Title: ________________________

                                      -10-<PAGE>

                                                                    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

<PAGE>

         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

                                      -2-
<PAGE>

         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

                                      -3-
<PAGE>

                  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.

                                      -4-
<PAGE>

         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.

                                      -5-
<PAGE>

         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.

                                      -6-
<PAGE>

                  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.

                                      -7-
<PAGE>

                  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

                                      -8-
<PAGE>

                  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.

                                      -9-
<PAGE>

                  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

                                      -10-
<PAGE>

         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>

                               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 Capita] 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

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