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                                                                    EXHIBIT 10.3

                                    AGREEMENT

         THIS AGREEMENT is made and entered into as of the 29day of April 2001,
         by and between Intersections Inc.(INTERSECTIONS), a Delaware
         corporation with its principal place of business located at 14930 Bogle
         Drive, Chantilly, VA 20151, and Discover Financial Services., a
         Delaware corporation, with its principal place of business located at
         2500 Lake Cook Road, Riverwoods, IL 60015 ("DFS").

         WHEREAS, INTERSECTIONS is in the business of providing consumer credit
fraud prevention, detection, monitoring and notification products and certain
administrative services related thereto;

         WHEREAS, DFS is a credit card servicer;

         WHEREAS, INTERSECTIONS desires to offer its services to selected
persons who have a credit card serviced by DFS ("Cardmembers");

         WHEREAS, DFS wishes to have INTERSECTIONS make its consumer credit
monitoring and notification product and related administrative services
available to its Cardmembers; and

         NOW THEREFORE, in consideration of the mutual covenants and agreements
contained herein, and for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto intending to be
legally bound hereby agree as follows:

         1.       The Product. The product to be offered by INTERSECTIONS is
described in Exhibit A ("Product") attached to and made a part of this
Agreement. Any changes to the Product, including Product price, must be agreed
to in writing by the parties.

         2.       Services. The services to be provided by INTERSECTIONS in
connection with the Product are described in Exhibit B ("Services") attached to
and made a part of this Agreement. Any changes of the Services must be agreed to
in writing by the parties. INTERSECTIONS will comply with the procedures and
meet the service standards set forth in Exhibit C attached to and made a part of
this Agreement. In addition, INTERSECTIONS will prepare and submit to DFS the
reports set forth in Exhibit D, and the business and growth plans set forth in
Exhibit F attached to and made a part of this Agreement.

         3.       Compensation. INTERSECTIONS agrees to pay compensation to DFS
for sales of the Product in the amount and manner described in Exhibit E
attached to and made a part of this Agreement.

         4.       Term and Termination.

                  a.       Term. This Agreement shall commence on May 1, 2001,
and continue for a period of thirty-six (36) months unless terminated earlier in
accordance with this Paragraph. The prior agreement between INTERSECTIONS and
DFS commenced on May 1, 1998 and ended April 30, 2001. This Agreement shall
automatically renew for successive 12 month terms ("Renewal Terms") unless
either party gives written notice of its intent not to renew at least sixty (60)
days prior to the last day of the then current term.

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                  b.       Termination. This Agreement will terminate upon sixty
(60) days written notice by either party, or sooner if required by law, in the
event of the adoption of legislation or other such authority which (i)
necessitates the discontinuance or substantial curtailment of the solicitation
or sale of the Product, or (ii) has the effect of materially reducing the
compensation specified in this Agreement earned by either party in connection
with the Product, provided that the parties use their best efforts to remedy the
circumstances giving rise to the right to terminate this Agreement. At any time,
either party may terminate this Agreement effective immediately upon notice to
the other party if the other party (i) commences any proceeding relating to its
reorganization, dissolution or liquidation; (ii) discontinues its business,
becomes insolvent or fails to pay obligations as they become due; or (iii)
breaches any material provision of this Agreement and fails to cure such breach
within fifteen (15) days of receipt of notice of breach or such longer period of
time as agreed to by the parties.

In addition, either party may terminate this Agreement without cause upon one
hundred eighty (180) days' prior written notice.

             C. Effect of Termination. In the event of a termination,
  INTERSECTIONS will continue to provide the Product and Services to Cardmembers
  and DFS shall continue to bill cardmembers until the number of Cardmembers
  purchasing the Product falls below 500. The quality of the Product and
  compliance with the Service Standards shall be maintained as if this Agreement
  had not been terminated.

                           During the term of this Agreement, DFS will cooperate
with INTERSECTIONS to encourage individuals who have purchased the Product to
continue purchasing the Product, and will not allow the solicitation of credit
monitoring and notification products substantially similar to the Product
offered under this Agreement to any individual who has purchased the Product and
except further as INTERSECTIONS may agree in writing.

                           For the period of three (3) years following the
termination of this Agreement, DFS shall not allow the solicitation by solo
mail, inserts, outbound telemarketing, e-mail, newsletters, or through inbound
customer relations calls, of any individual who have purchased the Product for a
credit monitoring and notification product substantially similar to the Product.
DFS shall not target by direct solo mail, inserts, outbound telemarketing,
e-mail, newsletters or through inbound customer relations calls, Cardmember(s)
who have purchased the Product for a replacement of Product except after the end
of the three (3) year period.

5. Enhancement and Special Feature Ownership.

         a.       INTERSECTIONS. The parties agree that INTERSECTIONS owns all
rights in connection with the Product and any enhancement or special feature
added to the Product. Notwithstanding the foregoing, DFS will own all rights in
connection with any enhancements or special features added to the Product at
DFS's request ("DFS Enhancements"). "). Any suggestion or concept already
developed or under development by INTERSECTIONS at the time requested by DFS
shall not be considered a DFS enhancement for the purposes of this Agreement.
INTERSECTIONS agrees that all work in connection with any DFS Enhancements under
this Agreement constitute "work-for-hire" as that term is defined in Section 101
of the Copyright Act, 17 U.S.C. Section 1 01, and is the sole and exclusive
property of DFS. All right, title and interest in copyrights, trade secrets,
trademarks, service marks, patents and other intellectual property derived in
any DFS Enhancement, to the extent they are available, are the sole and
exclusive property of DFS, free from any claim or retention of rights thereto on
the part of INTERSECTIONS. In the event that the aforementioned rights are found
not to be a 'work-for-hire" or otherwise cannot be conferred to DFS
automatically, INTERSECTIONS acknowledges that this Agreement constitutes an
assignment of such rights in any DFS Enhancement and agrees to execute whatever
documentation necessary to formalize such assignment to DFS.

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         b. Contractor. Subject to DFS's prior approval, INTERSECTIONS may
         retain contractors to perform work in connection with the Product and
         Services. INTERSECTIONS will ensure that all DFS Enhancement created,
         prepared, or produced by an INTERSECTIONS contractor will become the
         sole property of DFS. INTERSECTIONS will require that each contractor
         agree to convey all right, title and interest in copyrights, trade
         secret, trademarks, service marks, patents and other intellectual
         property derived in any DFS Enhancement before the contractor begins to
         perform such work. If, despite INTERSECTIONS's best efforts, a
         contractor is unwilling to agree to convey all of these rights in any
         DFS Enhancement, INTERSECTIONS will immediately notify DFS, which will
         then determine whether to authorize INTERSECTIONS to retain the
         contractor under revised terms.

                  6        Product Differentiation. INTERSECTIONS will not use
         any DFS Enhancement for any purpose except as provided hereunder
         without the written consent of DFS.

                  7.       Product Name. The name of the Product shall be
         ProfileProtect. DFS shall be the owner of such name. DFS grants
         INTERSECTIONS a license to use such name during the term of this
         Agreement. In the event of a termination of this Agreement, DFS grants
         INTERSECTIONS a license to use such name for the purpose of providing
         the Product and Services in accordance with Paragraph 5 to Cardmembers
         who continue to purchase the Product.

                  8.       Review of Promotional Materials. All advertising and
         promotional materials used in connection with the Product, including,
         but not limited to, fulfillment kits, brochures, newsletters, inserts,
         telemarketing scripts, customer correspondence and form letters, must
         be approved by both parties, such approval or disapproval not to be
         unreasonably withheld. Each party will notify the other in writing of
         its approval of a submitted item within ten (10) business days of
         receipt. Specific reasons must be given for disapproval. In the event
         the reviewing party has not notified the submitting party of its
         approval or disapproval within the ten (10) day period, the submitting
         party will notify the reviewing party in writing of that fact. Upon
         receipt of such notice, the reviewing party will have until the end of
         the next business day to either approve or disapprove the item. If the
         reviewing party has not responded by the end of the next business day,
         the item will be deemed approved. If the submitting party resubmits an
         item for review incorporating changes requested by the reviewing party,
         the reviewing party will notify the submitting party of its approval or
         disapproval within five (5) business days of receipt of the
         resubmission.

         9. Use of DFS Work Product or Name. INTERSECTIONS will not use and will
keep its employees, agents and subcontractors, if any, from using the name of
DFS or its parent, subsidiaries or affiliates, or any name, logo, copyright,
service mark or trademark owned or licensed by DFS, its parent, subsidiaries or
affiliates, in any manner whatsoever that is not otherwise authorized by the
terms of this Agreement without the prior written consent of DFS. In addition,
INTERSECTIONS will not use any work product produced exclusively hereunder for
any purpose whatsoever including advertisements, client lists or submissions in
competitions without the prior written approval of DFS.

         10.      Customer List. DFS shall engage an agent to develop targeted
                  contact lists based on DISCOVER Cardmembers to market the
                  Product. INTERSECTIONS will have input into agent's selection
                  criteria subject to DFS's approval.

         INTERSECTIONS agrees that DFS has the right to market the Product using
customer lists that are not based on DISCOVER Cardmembers. Should DFS exercise
this right, both parties shall mutually agree as to the functions to be
performed by each party and each party's compensation.

         INTERSECTIONS recognizes that the customer relationship and the above
lists are the property of DFS. INTERSECTIONS shall return or destroy all such
lists on termination of this Agreement and shall treat such information as
confidential in accordance with Paragraph 12.

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         11. Confidentiality. In the course of performance under this Agreement,
INTERSECTIONS may have access to or receive disclosure of information considered
confidential and proprietary by DFS, including, but not limited to, Cardmember
names, addresses, and telephone numbers, and DFS may have access to or receive
disclosure of information considered confidential and proprietary by
INTERSECTIONS, including, but not limited to software systems and credit records
(hereinafter referred to in each case as "Confidential Information").
Confidential Information shall not include information in the public domain,
information known to the other party prior to this Agreement and information
lawfully obtained from a third party by the other party, but shall include
confidential and proprietary information of affiliates of each party.

         Each party agrees that Confidential Information will be used solely in
connection with the performance of this Agreement and will not (except as
required by law) be disclosed without the approval of the other party to any
third party or to any of such party's affiliates, directors, officers or
employees except those with a "need to know". Any such disclosure to a third
party shall be made only upon receipt of a confidentiality agreement approved by
DFS from such third party which is substantially as comprehensive in terms as
those contained herein. INTERSECTIONS agrees to obtain a Confidentiality
Agreement from DMS, its subcontractor, prior to commencement of this Agreement.
Each party shall retain exclusive ownership of its Confidential Information with
the right to demand return of Confidential Information from the other party at
any time.

         Specifically, INTERSECTIONS agrees that it will reveal such
Confidential Information only to those of its employees who are engaged in
providing the Product and Services hereunder. At no time will any Confidential
Information be left unattended in an unlocked area. All work in progress
containing Confidential Information shall be kept in a secured area at
INTERSECTIONS's facility with access limited to those employees designated to
work on the Product, except during the time of the initial processing of
materials containing Confidential Information in the mail receiving area. Any
time an employee working with Confidential Information leaves the work area
during the work day, he or she will place the Confidential Information under
lock and key. All work in progress containing Confidential Information shall be
placed in a high security locked area each night. All completed work containing
Confidential Information shall be stored in a high security locked area.

         INTERSECTIONS further warrants and represents that it will not compile,
organize, access, create lists of or otherwise use such Confidential Information
other than as authorized hereunder and that it will not contact any Cardmember
to market, sell or otherwise promote the use or purchase of any other goods or
services of INTERSECTIONS or any third party without prior written consent.

         Each party agrees that is shall comply with the provisions of any
privacy laws and regulations requiring confidential treatment of personal
information under such laws and regulations, including, without limitation, the
Gramm-Leach-Bliley Act, and any other federal and state privacy laws. In
addition, each party will maintain appropriate measures to safeguard all
Cardmember information. Such measures will, at a minimum, be designed to meet
the objectives of the Interagency Guidelines Establishing Standards for
Safeguarding Customer Information as issued and interpreted by the federal
Deposit Insurance Corporation (as C.F.R. 308 and 364).

         Each party recognizes the irreparable harm which would be caused the
other party if Confidential Information were used or disclosed in violation of
this Paragraph, and each party shall use at least the same degree of care in
protecting the other party's Confidential Information as it uses in protecting
its own Confidential Information.

         Upon request, all Confidential Information of either party that is in
the possession of the other party shall be returned upon termination of this
Agreement.

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         12. Notice. Any notice, request, demand, or other communication
required or permitted hereunder will be in writing, postage prepaid, addressed
to the party to be notified. All communications will be deemed given when
received. The respective addresses for the parties for the purpose of such
communications are:

            If to DFS:             Discover Financial Services
                                   2500 Lake Cook Road
                                   Riverwoods, Illinois 60015
                                   Attn: Vice President and Controller

            With a copy to:        Senior Vice President - Discover Enterprises

            If to INTERSECTIONS:   Intersections Inc.
                                   14930 Bogle Drive
                                   Chantilly, VA 20151
                                   Attn: Chief Financial Officer

         Either party may change its mailing address by written notice to the
other party in accordance with this section.

                  13. Independent Contractors. Except as specifically provided
                  herein, INTERSECTIONS will perform all Services hereunder as
                  an independent contractor, and nothing contained herein will
                  be deemed to create any association, partnership, joint
                  venture or relationship of principal and agent or employer and
                  employee between the parties hereto, or to provide either
                  party with the right, power or authority, whether express or
                  implied, to create any such duty or obligation on behalf of
                  the other party. INTERSECTIONS will be solely responsible for
                  compensating its employees and subcontractors, if any, which
                  perform or provide work or work products hereunder.

                  14. Indemnification.

                  a.       DFS will indemnify and hold harmless INTERSECTIONS
                  and its officers, directors, affiliates, employees, agents and
                  representatives, against any and all liabilities, judgments,
                  damages, claims, demands, costs, expenses (including
                  reasonable attorneys' fees) or losses ("Claims"), arising in
                  connection with the Product or Services to be provided
                  hereunder, from DFS's negligence, willful misconduct, breach
                  of warranty or failure to perform in accordance with the terms
                  of this Agreement.

                  b.       INTERSECTIONS will indemnify and hold harmless DFS
                  and its officers, directors, affiliates, employees, agents and
                  representatives, against any and all Claims arising in
                  connection with the Product and Services to be provided
                  hereunder from Company's negligence, willful misconduct,
                  breach of warranty or failure to perform in accordance with
                  the terms of this Agreement.

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                  c.       Notice and Rights under Indemnification. The party
seeking indemnification must (i) notify the party from whom indemnification is
sought of the Claim; (ii) not have engaged in negligent or willful misconduct in
connection with the Claim; (iii) provide the party from whom indemnification is
sought with all information reasonably accessible to it for such party to defend
the Claim; and (iv) cooperate with the party from whom indemnification is sought
in regard to its defense or settlement of the Claim. The party seeking such
indemnification shall have the right, at its own expense, to participate in the
defense of the Claim for which it is indemnified and which has been assumed by
this obligation or indemnity hereunder; however, it shall have no right to
control the defense, consent to judgment, or agree to settle any such Claim
without the prior written consent of the party from whom such indemnification is
sought.

                  15. Fraud Prevention. INTERSECTIONS agrees to take all actions
                      necessary to prevent fraud in connection with the Product
                      and Services provided hereunder including, but not limited
                      to, misuse of credit bureau information, Cardmember
                      information and/or account numbers by its employees.
                      INTERSECTIONS agrees to be held strictly liable for any
                      fraud committed or facilitated by its employees.
                      INTERSECTIONS shall immediately inform DFS of any evidence
                      of fraud by Cardmembers it may become aware of and shall
                      cooperate with DFS in resolving such matters.

                    16. Representations and Warranties.

                  a.       Agreement. Each party represents and warrants that it
is free as of the effective date of this Agreement of any contractual obligation
or legal disability that would prevent it from entering into and performing
under the terms of this Agreement.

                       b. Product/Services. INTERSECTIONS represents and
      warrants that it has the right to provide the Product and Services to DFS
      under the provisions of this Agreement. INTERSECTIONS further represents
      and warrants that it will comply with all statutory requirements and
      applicable rules, regulations and guidelines issued by any federal or
      state agency having jurisdiction over the Product or Services.

                       C. Work Product. INTERSECTIONS represents and warrants
      that all work product produced for DFS under this Agreement is original or
      that rights in the work product, necessary to DFS's purposes, have been
      obtained. INTERSECTIONS further represents and warrants that none of its
      work product will infringe any statutory or common law copyright or, other
      personal or property interest of any third party.

               17.Accounting and Audit. Each party will keep accurate and
      complete books and records relating to the Products sold under this
      Agreement. Subject to the confidentiality requirements set forth in
      Paragraph 12 above, each party (or such auditors as either party may
      select) shall have the right to examine the books and records of the other
      party as they specifically relate to the business transacted under this
      Agreement. Either party may conduct an audit during the term of this
      Agreement and for a period of five (5) years following its termination,
      upon reasonable prior written notice to the other party; provided that no
      party shall be subject to such an audit more than once during a twelve
      (12) month period. Each such audit shall be conducted in the presence of a
      duly authorized representative of the party being audited at a time
      mutually agreeable to both parties. No documents, machine-readable data or
      other information in any format shall be copied or reproduced by the
      auditing party (or its selected auditors) without (i) first being reviewed
      by the audited party's authorized representatives), and obtaining the
      audited party's written consent for any such copying or reproduction. The
      party conducting the audit shall bear all out-of-pocket costs and expenses
      relating or attributable to each such audit. The results of any audit
      requested by either party shall be made

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      available to the audited party free of charge within ten (10) days
      after such results are made known to the auditing party.

         18. Severability. If any provision of this Agreement, or the
application thereof to any person or circumstance, is held invalid, such
invalidity will not affect any other provision which can be given effect without
the invalid provision or application, and to this end the provisions hereof will
be severable.

         19.      Waiver. No delay or omission by DFS or INTERSECTIONS in
exercising any right, remedy or power hereunder will operate as a waiver of such
right, remedy or power or of any other right, remedy or power. No waiver of any
right, remedy or power on one occasion by DFS will be construed as a waiver of,
or a bar to, the exercise of such right, remedy or power on any other occasion.
All such rights, remedies and powers of DFS, not only hereunder but also under
any other agreement of DFS with INTERSECTIONS, are cumulative, and not
alternative or exclusive, and may be exercised by DFS at such time or times and
in such order of preference as DFS may deem advisable.

         20.      Insurance. INTERSECTIONS will maintain adequate insurance from
a qualified and licensed insurer in good financial standing throughout the term
of this Agreement, as specified in Exhibit G. At DFS's option and upon its
request, INTERSECTIONS will name DFS as an additional insured. The insurance
shall be primary over any other insurance covering DFS and shall remain in
effect continuously for the term of this Agreement and for such longer period.
As is necessary to support INTERSECTIONS's indemnity obligations under this
Agreement. Also upon written request, INTERSECTIONS shall promptly provide
certificate(s) from its insurers indicating the amount of insurance coverage,
the nature of such coverage and the expiration date of each applicable policy.
The certificate(s) will state that companies affording coverage will provide DFS
with at least thirty (30) days' written notice of any cancellation or
non-renewal of any coverage. The certificate will be in a form which DFS can
verify provides continuing insurance coverage through the term of this
Agreement.

         21.      Force Maieure. If for any reason, such as strikes, boycotts,
war, acts of God, labor troubles, riots, delays of commercial carriers,
restraints of public authority, or for any other reason, similar or dissimilar,
beyond its control, either party is unable to perform its respective obligations
in connection with this Agreement, such non-performance will not be considered a
breach of this Agreement. Upon the occurrence of such event, the party so
affected, upon giving prompt written notice to the other party, shall be excused
from such performance to the extent of such prevention, interference or
restriction, provided that the party so affected shall take all reasonable steps
to avoid or remove such causes of nonperformance and shall continue performance
hereunder with dispatch whenever such causes are removed.

         22.      Compliance With Laws. In the performance of its obligations
under this Agreement, INTERSECTIONS agrees to comply and to cause its agents and
subcontractors, if any, to comply with all applicable federal, state laws,
codes, rules and regulations, including but not limited to (a) equal opportunity
and nondiscrimination in employment; (b) the employment of the disabled; and (c)
the employment of veterans. INTERSECTIONS also agrees to procure permits and
certificates where required.

         23.      Improper Payments. Both parties agree that, in connection with
the performance of its obligations under this Agreement, it will not make any
payments to, or confer or offer to confer any benefits upon, any employee, agent
or fiduciary of DFS or of any third party, including, without limitation, any
government, agency or instrumentality thereof, with the intent to influence the
conduct of such employee, agency or fiduciary in relation to the business or
affairs of DFS or of another party in connection with this Agreement.

         24.      Governing Law. The validity, interpretation and performance of
this Agreement shall be governed by and construed in accordance with the laws of
the State of Illinois.

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         25.      Assignment. This Agreement may not be assigned by either party
without the prior written consent of the other, except that DFS may assign the
Agreement to its parent, any subsidiary or affiliate of DFS, or any successor in
interest of DFS, without the consent of INTERSECTIONS.

         26.      Change in Ownership.

                  a.       DFS shall have the right to terminate this Agreement
with sixty (60) days written notice to INTERSECTIONS in the event of a Change in
Control of INTERSECTIONS. A "Change in Control" of INTERSECTIONS means:

                           (i)      A change in control of INTERSECTIONS means
the consummation of any transaction after which Loeb Holding Corporation or
controlled affiliates thereof, do not own or have control, either directly or
through one or more controlled subsidiaries, of voting 51% of the combined
voting power of outstanding voting securities.

                           (ii)     The consummation of the sale, transfer or
other disposition of all or substantially all of the assets of INTERSECTIONS,
unless such sale, transfer or other disposition is to the parent or a subsidiary
of INTERSECTIONS and all of INTERSECTIONS' rights and obligations under this
Agreement are assigned to that party in accordance with this Agreement.

         27.      Entire Agreement: Amendment. This Agreement constitutes the
entire agreement between the parties with respect to the Product and Services.
Any prior agreements, representations, statements, negotiations or undertakings
dealing with these Product and Services or the subject matter of this Agreement
are superseded hereby. This Agreement may be amended or modified only by a
writing signed by both parties to this Agreement.

         28.      Headings. The paragraph headings used in this Agreement are
for the convenience of the parties only and will not define or limit the
substance of any paragraph. Reference herein, unless otherwise specified, to a
paragraph, subparagraph, clause or subclause is a reference to such paragraph,
subparagraph, clause or subclause of this Agreement.

         IN WITNESS WHEREOF, the parties, by their undersigned representatives,
hereby execute this Agreement.

INTERSECTIONS INC.                                  DISCOVER SERVICES, INC.

Michael R. Stanfield                                  Marge Bellock
Chairman                                              Senior Vice President and
Date:                                                 General Manager
                                                      Date:

                                       8<PAGE>

                                                                    EXHIBIT 10.4

                  AGREEMENT FOR SERVICES ADMINISTRATION BETWEEN
                      INTERSECTIONS INC. AND DISCOVER BANK

         THIS AGREEMENT is made and entered into as of the 11th day of March
2002 (the "Effective Date"), by and between Intersections Inc.
("Intersections"), a Delaware corporation with its principal place of business
located at 14930 Bogle Drive, Chantilly, VA 20151, and Discover Bank, a Delaware
corporation, with an office located at 2500 Lake Cook Road, Riverwoods, IL 60015
("DB").

         WHEREAS, Intersections is in the business of providing consumer credit
fraud prevention, detection, monitoring and notification products and certain
administrative services related thereto;

         WHEREAS, DB is a credit card issuer;

         WHEREAS, DB desires to offer certain products and services to selected
persons who have a credit card issued by DB ("Cardmembers") or other consumers
(collectively "Customers");

         WHEREAS, DB wishes to have Intersections provide its consumer credit
products and related administrative services to Customers who have enrolled for
that product as designated by DB ("Members"); and

         NOW THEREFORE, in consideration of the mutual covenants and agreements
contained herein, and for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto intending to be
legally bound hereby agree as follows:

1.     The Product, and Exhibits.

A.     Each product and service to be offered by DB to consumers under this
       Agreement (each, a "Product") will be described in an exhibit to this
       Agreement executed by DB and Intersections either as of, or subsequent
       to, the Effective Date.

B.     Each exhibit which states that it is made an exhibit to this Agreement,
       and is executed by the parties (each, an "Exhibit"), is deemed
       incorporated into this Agreement by reference. Notwithstanding any
       requirement of execution in the foregoing, the parties agree that (i)
       they have agreed upon, and incorporated into this Agreement, Exhibits A,
       B and C attached to this Agreement, (ii) Exhibits A and C apply only to
       the Product and Services described in Exhibit A, and (iii) Exhibit B
       applies generally to this Agreement and all Products and Services
       provided under it.

C.     Except as further set forth in an exhibit to this Agreement, DB in its
       sole discretion will determine the pricing of the Product to Customers.
       Any change or addition to a Product must be agreed by the parties in
       writing and in accordance with the applicable provisions of the
       applicable exhibit to this Agreement. For purposes of marketing and
       distribution only, each Product will be deemed a Product of DB, except as
       required by applicable laws or regulations, Intersections' agreements
       with the applicable credit reporting agencies, or as provided in an
       applicable exhibit.

2      Services. The services ("Services") to be provided by Intersections in
       connection with the Products will be set forth in the applicable
       exhibits to this Agreement. The parties agree that, with respect to the
       Product described in Section 1 of Exhibit A to this Agreement, the
       applicable Services are set forth in Sections 2, 4 and 5 of Exhibit A.
       Any change to the Services must be agreed to in a

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       further writing agreed by the parties and in accordance with the
       applicable exhibit Such further writing is deemed incorporated into this
       Agreement.

3.     Compensation. DB agrees to pay compensation to Intersections for the
       administration and servicing of the Product in the amount and manner
       described in the applicable exhibit. The parties agree that, with
       respect to the Product and Services set forth in Exhibit A to this
       Agreement, the compensation to be paid to Intersections is set forth in
       Section 3 of that Exhibit A.

4.     Term and Termination.

A.   Termination. The term of this Agreement commences upon the Effective Date,
and may be terminated as follows:

     i.   Either party may terminate this Agreement in its sole discretion at
          any time upon at least six (6) months prior written notice to the
          other party.

     ii.  At any time, either party may terminate this Agreement effective
          immediately upon notice to the other party, if the other party: (a)
          becomes subject to any voluntary or involuntary bankruptcy proceeding,
          or similar state proceeding for the benefit of the party's creditors,
          if the proceeding is not dismissed within 60 days of filing, (b)
          discontinues its business, or becomes insolvent or unable to pay its
          obligations as they become due; or (c) breaches any material provision
          of this Agreement and fails to cure such breach within thirty (30)
          days of receipt of notice of breach or such longer period of time as
          agreed to by the parties.

B.   Effect of Termination of Agreement. Upon and after termination of this
Agreement, the parties' rights and obligations under the Agreement terminate,
except as follows or as otherwise set forth in the Exhibits, a further writing
between the parties, or as follows:

     i.   The parties' respective obligations with respect to DB Confidential
          Information, NPI, and Intersections Confidential Information (each as
          defined in Exhibit B to this Agreement) remain in effect. Each party
          shall destroy or return to the other, and cease all use of, the
          other's Confidential Information. Further, Intersections, will provide
          to DB any NPI in Intersections' possession, except for credit bureau
          or other NPI that Intersections is prohibited from so providing under
          applicable law or regulation, or Intersections' agreement with an
          applicable credit reporting agency.

     ii.  At DB's request, Intersections will assign the applicable toll-free
          "800" number(s) and designated post office boxes for the Products to
          DB and thereafter DB will be responsible for the expense of
          maintaining such items;

     iii. If the termination of this Agreement is without cause, each party will
          bear the costs and expenses of terminating the relationship;

     iv.  Each party will provide the other party with written notice within
          five (5) days of any lawsuits, claims or regulatory investigation of
          any type involving a Product; and

     v.   DB will comply with its payment obligations incurred prior to
          termination or expiration.

C.   Product and Services Termination. Except as otherwise set forth in an
     applicable Exhibit, or further written agreement of the parties, either
     party in its sole discretion may terminate the rights and obligations of
     parties with respect to a Product and related Services in their entirety
     under the applicable Exhibits, upon at least six (6) months prior written
     notice to the other party.

                                       II
<PAGE>

     Such termination applies only to the rights and obligations of the parties
     with respect to the Products and Services under those Exhibits. In the
     event of such termination, each party shall comply with Section B above
     solely as it applies to the terminated Products and Services.

5.   Service Marks and Other Intellectual Property.

A.   Service Marks

     i.   Subject to the terms and conditions of this Agreement, during the term
          of this Agreement: (A) DB grants Intersections a nonexclusive,
          nontransferable, royalty-free license to use DB's trademarks, service
          marks, logo, name, or other proprietary designations (collectively,
          "Service Marks") identified in Exhibit C to this Agreement or a
          further written authorization by DB ("DB Marks"); and Intersections
          grants DB a nonexclusive, nontransferable, royalty-free license to use
          (B) Intersections' Service Marks identified in Exhibit C to this
          Agreement or a further written authorization by Intersections
          ("Intersections Marks"). The licensee may modify or withdraw
          authorization for its Service Mark, by reasonable prior written
          notice, and the licensor will cease use of or modify its use
          accordingly.

     ii.  No right, property, license, permission or interest of any kind in or
          to the use of any DB Mark owned or used by DB is or is intended to be
          given or transferred to or acquired by Intersections by the execution,
          performance or non-performance of this Agreement or any part thereof.
          No right, property, license, permission or interest of any kind in or
          to the use of any Intersections Mark owned or used by Intersections is
          or is intended to be given or transferred to or acquired by DB by the
          execution, performance or non-performance of this Agreement or any
          part thereof.

B.   Other Intellectual Property

     i.   For purposes of this Agreement, the following definitions apply:

          a.   "Intellectual Property" means any legally protectable patent,
               copyright or trade secret right.

          b.   "Materials" means any advertising, promotional or fulfillment
               materials, whether in written or digital form, used under this
               Agreement in connection with the Product, including, but not
               limited to, fulfillment kits, brochures, newsletters, inserts,
               telemarketing scripts, customer correspondence and form letters.

     ii.  Intersections is and will remain the owner of any and all right, title
          and interest in Intellectual Property in the Product, and any
          improvement or derivative work of that Intellectual Property. DB, on
          its behalf and on behalf of its employees, contractors and agents,
          assigns to Intersections at the time of creation any Intellectual
          Property right obtained by DB or its employees, contractors or agents
          in the Product arising from activities under this Agreement. Upon
          Intersections' request and at Intersections' reasonable expense, DB
          will execute and cause its employees, contractors and agents to
          execute any writings necessary to effect that assignment or for
          Intersections to prosecute those Intellectual Property rights. The
          foregoing does not apply to any Intellectual Property developed or
          obtained by DB prior to or independent of this Agreement.

                                      III
<PAGE>

     iii. Subject to the terms and conditions of this Agreement, each party
          grants the other a nonexclusive, nontransferable, nonsublicensable,
          royalty free license during the term of this Agreement, in the
          licensing party's Intellectual Property, as otherwise described in
          this Agreement, to use, copy, create derivative works of, and
          distribute that Intellectual Property, solely to the extent necessary
          and for the sole purpose of performing under and in accordance with
          this Agreement.

     iv.  Each party grants the other a nonexclusive, sublicensable, fully
          transferable, perpetual license to any copyright that licensing party
          has, or may during the term of this Agreement acquire, in the
          Materials. Further, to the extent the parties are or become joint
          owners of the copyright in Materials, each party waives against the
          other any right to receive an accounting or withhold consent or
          permission with respect to that copyright. Notwithstanding anything to
          the contrary in the foregoing, DB acknowledges and agrees that any
          portion of the Materials in which a consumer's credit information is
          displayed or presented is not subject to the license or joint
          ownership under this Section 5.B.iv, and is and shall remain solely
          Intersections' Intellectual Property under Section 5.B.ii above.

6.   Review of Promotional Materials. All Materials must be approved by both
parties, such approval or disapproval not to be unreasonably withheld. Each
party will notify the other in writing of its approval of a submitted item
within ten (10) business days of receipt. Specific reasons must be given for
disapproval. In the event the reviewing party has not notified the submitting
party of its approval or disapproval within the ten (10) day period, the
submitting party will notify the reviewing party in writing of that fact. Upon
receipt of such notice, the reviewing party will have until the end of the next
business day to either approve or disapprove the item. If the submitting party
resubmits an item for review incorporating changes requested by the reviewing
party, the reviewing party will notify the submitting party of its approval or
disapproval within ten (10) business days of receipt of the resubmission.
Failure to disapprove within a time frame set forth above does not constitute
approval.

7.   Use of Name. Intersections will not use as a trademark, or for any
promotional or endorsement purposes, and will keep its employees, agents and
subcontractors, if any, from making such use of the name of DB or its parent,
subsidiaries or affiliates or any logo, copyright, servicemark or trademark
owned or licensed by DB or its parent, subsidiaries or affiliates that is not
authorized by DB by the terms of this Agreement, other than disclosure required
by any governmental laws or regulations, without DB's prior written consent.
This limitation includes but is not limited to, client lists, press releases,
promotional brochures or annual reports.

8.   Exclusivity. Intersections agrees that it is providing Services to DB on a
non-exclusive basis and as such, DB reserves the right to collaborate with other
providers of services similar to those provided by Intersections. DB
acknowledges and agrees that Intersections provides products and services that
may be the same as or similar to the Products and Services, and nothing under
this Agreement limits Intersections' right to provide such products and
services.

9.   Confidentiality. The parties agree to the terms of the Non-Disclosure and
Confidentiality Agreement attached hereto as Exhibit B.

     Further, Intersections agrees that it will reveal Confidential Information
of the other party only to those of its employees who are engaged in providing
the Product and Services hereunder. At no time will any Confidential Information
be left unattended in an unlocked area. All work in progress containing
Confidential Information shall be kept in a secured area at Intersections'
facility with access limited to those employees designated to work on the
Product, except during the time of the initial processing of materials
containing Confidential Information in the mail receiving area. Any time an
employee working with Confidential Information leaves the work area during the
workday, he or she will

                                       IV
<PAGE>

place the Confidential Information under lock and key. All work in progress
containing Confidential Information shall be placed in a high security locked
area each night. All completed work containing Confidential Information shall be
stored in a high security locked area.

     Intersections also warrants and represents that it will not compile,
organize, access, create lists of or otherwise use such Confidential Information
other than as authorized hereunder and that it will not contact any Customer or
Member to market, sell or otherwise promote the use or purchase of any other
goods or services of Intersections or any third party without prior written
consent.

     Each party agrees that it shall comply with the provisions of any privacy
laws and regulations requiring confidential treatment of personal information
under such laws and regulations, including, without limitation, the
Gramm-Leach-Bliley Act, and any other federal and state privacy laws. In
addition, each party will maintain appropriate measures to safeguard all
Customer and Member information. Such measures will, at a minimum, be designed
to meet the objectives of the Interagency Guidelines Establishing Standards for
Safeguarding Customer Information as issued and interpreted by the Federal
Deposit Insurance Corporation (as C.F.R. 308 and 364).

10. Notice. Any notice, request, demand, or other communication required or
permitted hereunder will be in writing, by overnight courier, addressed to the
party to be notified. All communications will be deemed given when received. The
respective addresses for the parties for the purpose of such communications are:

     If to DB:                Discover Bank
                              2500 Lake Cook Road
                              Riverwoods, Illinois 60015
                              Attn: Vice President and Controller

     With a copy to:          Discover Bank at the same address

                              Attn: Senior Vice President Discover Enterprises

     If to Intersections:     Intersections Inc.
                              14930 Bogle Drive
                              Chantilly, VA 20151
                              Attn: Chief Operating Officer
     With a copy to:          General Counsel at the same address

     Either party may change its mailing address by written notice to the other
party in accordance with this section.

11.  Independent Contractors. Except as specifically provided herein,
     Intersections will perform all Services hereunder as an independent
     contractor, and nothing contained herein will be deemed to create any
     association, partnership, joint venture or relationship of principal and
     agent or employer and employee between the parties hereto, or to provide
     either party with the right, power or authority, whether express or
     implied, to create any such duty or obligation on behalf of the other
     party. Intersections will be solely responsible for compensating its
     employees and subcontractors, if any, which perform or provide work or work
     products hereunder.

12.  Indemnification.

A.   DB Indemnification. DB will indemnify and hold harmless Intersections and
     its officers, directors, affiliates, employees, agents and representatives,
     against any and all liabilities, judgments, damages, claims, demands,
     costs, expenses (including reasonable attorneys' fees) or losses
     ("Claims"), arising in connection with the Product or Services to be
     provided hereunder, from

                                       V
<PAGE>

     DB's negligence, willful misconduct, breach of warranty or failure to
     perform in accordance with the terms of this Agreement.

B.   Intersections Indemnification. Intersections will indemnify and hold
     harmless DB and its officers, directors, affiliates, employees, agents and
     representatives, against any and all Claims arising in connection with the
     Product and Services to be provided hereunder from Company's negligence,
     willful misconduct, breach of warranty, inaccuracy in the credit data
     supplied to a consumer as part of the Product, if such inaccuracy was
     caused solely by Intersections, or failure to perform in accordance with
     the terms of this Agreement.

C.   Notice and Rights under Indemnification. The party seeking indemnification
     must (i) notify the party from whom indemnification is sought of the Claim;
     (ii) not have engaged in negligent or willful misconduct in connection with
     the Claim; (iii) provide the party from whom indemnification is sought with
     all information reasonably accessible to it for such party to defend the
     Claim; and (iv) cooperate with the party from whom indemnification is
     sought in regard to its defense or settlement of the Claim. The party
     seeking such indemnification shall have the right, at its own expense, to
     participate in the defense of the Claim for which it is indemnified and
     which has been assumed by this obligation or indemnity hereunder; however,
     it shall have no right to control the defense, consent to judgment, or
     agree to settle any such Claim without the prior written consent of the
     party from whom such indemnification is sought.

13.  Fraud Prevention. Intersections agrees to take all actions necessary to
     prevent fraud in connection with the Product and Services provided
     hereunder including, but not limited to, misuse of enrollment,
     authorization or credit bureau information, or Customer or Member
     information, by its employees or agents. Intersections agrees to be held
     strictly liable for any fraud committed or facilitated by its employees or
     agents. Intersections will promptly inform the other of any evidence of
     fraud by Customer or Members it may become aware of and cooperate with DB
     in resolving such matters.

14.  Representations and Warranties.

A.   Agreement. Each party represents and warrants that it is free as of the
     effective date of this Agreement of any contractual obligation or legal
     disability that would prevent it from entering into and performing under
     the terms of this Agreement.

B.   Intersections Representations and Warranties. Intersections represents and
     warrants as follows:

     i.   The Product and Services as provided by Intersections will comply with
          all statutory requirements and applicable rules, regulations and
          guidelines issued by any federal or state agency having jurisdiction
          over the Product or Services.

     ii.  The Product and Services as provided by Intersections, the
          Intersections Marks as licensed by Intersections under this Agreement,
          and any other invention, work of authorship or information provided by
          Intersections, will not infringe or violate any third party right in
          the United States in Intellectual Property or any trademark, service
          mark, trade name or trade dress.

     iii. Intersections shall perform the Services and provide the Product
          hereunder in a professional manner with that standard of care, skill
          accuracy and diligence which is customary in the performance of
          services and the provision of products similar to those provided in
          this Agreement.

                                       VI
<PAGE>

     iv.  Intersections shall be responsible for legal compliance for matters
          relevant to the Services and Products so that the Services and
          Products, as provided by Intersections, are in compliance with all
          federal, state and local laws, rules and regulations, including, but
          not limited to (i) the review of all Marketing and Fulfillment
          Materials (as those materials are defined in the Exhibits) and any
          other communications with Customers or Members; and (ii) the manner in
          which the enrollment authorization is obtained and maintained.
          Notwithstanding anything to the contrary in this Agreement,
          Intersections may make any change to the Products or Services
          necessary to comply with an applicable law, rule or regulation. If
          Intersections makes any change to the Services as required by any
          credit bureau, law or regulation, and the change has a material effect
          on the Services as delivered by Intersections, then Intersections will
          provide DB prior notice of such change as soon as is reasonably
          possible, and, if the change must be communicated to Members,
          Intersections agrees that it will communicate such changes to Members
          at Intersections' sole expense. Further, Intersections is not
          responsible for any act or omission by DB or any third party not
          acting as the agent of Intersections, provided Intersections did not
          direct DB or the third party to engage in such act of omission.

C.   DB Representations and Warranties. DB represents and warrants as follows:

     i.   No action taken by DB with respect to the Product or Service will
          violate any statutory requirements or applicable rules, regulations or
          guidelines issued by any federal or state agency having jurisdiction
          over the Product or Services.

     ii.  The DB Marks as licensed by DB under this Agreement, and any other
          invention, work of authorship or information provided or licensed by
          DB, will not infringe or violate any third party right in the United
          States in Intellectual Property or any trademark, service mark, trade
          name or trade dress.

     iii. DB shall market the Product and perform under this Agreement in a
          professional manner with that standard of care, skill accuracy and
          diligence which is customary in the marketing of products similar to
          those provided under this Agreement.

D.   Exclusions. Neither party is liable for breach of any representation or
     warranty arising from the other party's breach of its representation or
     warranty or other obligation under this Agreement, or combination of any
     invention, work of authorship, information or Service Mark with any
     invention, work of authorship, information or Service Mark not provided by
     that party. EXCEPT AS EXPRESSLY SET FORTH IN THIS SECTION 14, NO OTHER
     WARRANTIES, EXPRESS OR IMPLIED, OR ARISING FROM A COURSE OF DEALING, USAGE
     OR TRADE PRACTICE, ARE MADE BY EITHER PARTY, AND EACH PARTY EXPRESSLY
     DISCLAIMS ALL OTHER WARRANTIES, INCLUDING WITHOUT LIMITATION ANY IMPLIED
     WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY,
     NONINFRINGEMENT OR NONINTERFERENCE.

E.   Liability. IN NO EVENT WILL EITHER PARTY BE LIABLE FOR ANY INDIRECT,
     CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING WITHOUT
     LIMITATION LOSS OF USE, INTERRUPTION OF BUSINESS, LOSS OF DATA OR LOSS OF
     PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THIS AGREEMENT, EVEN
     IF THE LIABLE PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES,
     EXCEPT FOR LIABILITY ARISING OUT OF UNAUTHORIZED USE OF CONFIDENTIAL
     INFORMATION OR INTELLECTUAL PROPERTY.

                                      VII
<PAGE>

15.  Accounting and Audit. Each party will keep accurate and complete books and
records relating to the services provided for the Products sold under this
Agreement. Subject to the confidentiality requirements set forth above, each
party (or such auditors as either party may select) shall have the right to
examine the books and records of the other party as they specifically relate to
the business transacted under this Agreement. Either party may conduct an audit
during the term of this Agreement and for a period of seven (7) years following
its termination, upon reasonable prior written notice to the other party;
provided that no party shall be subject to such an audit more than once during a
twelve (12) month period. Each such audit shall be conducted in the presence of
a duly authorized representative of the party being audited at a time mutually
agreeable to both parties. No documents, machine-readable data or other
information in any format shall be copied or reproduced by the auditing party
(or its selected auditors) without (i) first being reviewed by the audited
party's authorized representatives), and (ii) obtaining the audited party's
written consent for any such copying or reproduction. The party conducting the
audit shall bear all out-of-pocket costs and expenses relating or attributable
to each such audit. The results of any audit requested by either party shall be
made available to the audited party free of charge within ten (10) days after
such results are made known to the auditing party.

16.  Severability. If any provision of this Agreement, or the application
thereof to any person or circumstance, is held invalid, such invalidity will not
affect any other provision which can be given effect without the invalid
provision or application, and to this end the provisions hereof will be
severable.

17.  Waiver. No delay or omission by DB or Intersections in exercising any
right, remedy or power hereunder will operate as a waiver of such right, remedy
or power or of any other right, remedy or power. No waiver of any right, remedy
or power on one occasion by DB will be construed as a waiver of, or a bar to,
the exercise of such right, remedy or power on any other occasion. All such
rights, remedies and powers of DB, not only hereunder but also under any other
agreement of DB with Intersections, are cumulative, and not alternative or
exclusive, and may be exercised by DB at such time or times and in such order of
preference as DB may deem advisable.

18.  Insurance. Intersections will maintain adequate insurance from a qualified
and licensed insurer in good financial standing throughout the term of this
Agreement, as specified in the Exhibits. Intersections will name DB as an
additional insured with respect to Personal Injury Liability, Commercial General
Liability and Umbrella Liability policies. The insurance shall be primary over
any other insurance covering DB and shall remain in effect continuously for the
term of this Agreement and for such longer period as is necessary to support
Intersections' indemnity obligations under this Agreement. Also upon written
request, Intersections shall promptly provide certificate(s) from its insurers
indicating the amount of insurance coverage, the nature of such coverage and the
expiration date of each applicable policy. The certificate(s) will state that
companies affording coverage will provide DB with at least thirty (30) days'
written notice of any cancellation or non-renewal of any coverage. The
certificate will be in a form, which DB can verify provides continuing insurance
coverage through the term of this Agreement. The insurance shall be primary over
any other insurance covering Intersections and shall remain in effect
continuously for the term of this Agreement and for such longer period.

     Intersections further agrees that it shall require any subcontractors it
engages hereunder to maintain the insurance coverages described in the Exhibits,
subject to the requirements listed above.

19.    Force Majeure. If for any reason, such as strikes, boycotts, war, acts of
God, labor troubles, riots, delays of commercial carriers, restraints of public
authority, or for any other reason, similar or dissimilar, beyond its control,
either party is unable to perform its respective obligations in connection with
this Agreement, such non-performance will not be considered a breach of this
Agreement. Upon the occurrence of such event, the party so affected, upon giving
prompt written notice to the other

                                      VIII
<PAGE>

party, shall be excused from such performance to the extent of such prevention,
interference or restriction, provided that the party so affected shall take all
reasonable steps to avoid or remove such causes of nonperformance and shall
continue performance hereunder with dispatch whenever such causes are removed.

20.  Improper Payments. Both parties agree that, in connection with the
performance of its obligations under this Agreement, it will not make any
payments to, or confer or offer to confer any benefits upon, any employee, agent
or fiduciary of DB or of any third party, including, without limitation, any
government, agency or instrumentality thereof, with the intent to influence the
conduct of such employee, agency or fiduciary in relation to the business or
affairs of DB or of another party in connection with this Agreement.

21.  Governing Law. The validity, interpretation and performance of this
Agreement shall be governed by and construed in accordance with the laws of the
State of Illinois.

22.  Assignment. This Agreement may not be assigned by either party without the
prior written consent of the other, except that DB may assign the Agreement to
its parent, any subsidiary or affiliate of DB, or any successor in interest of
DB, without the consent of Intersections. Prior to retaining subcontractors to
provide fulfillment, enrollment, authorization or records collection or
maintenance for the Product or Services, Intersections will obtain the DB's
prior written consent authorizing the use of any such subcontractors. Each party
will remain fully liable for its performance under this Agreement and actions of
its subcontractors.

23.  Change in Ownership.

A.   DB shall have the right to terminate this Agreement with sixty (60) days
     written notice to Intersections in the event of a Change in Control of
     Intersections. A "Change in Control" of Intersections means:

     i.   A change in control of Intersections means the consummation of any
          transaction after which Loeb Holding Corporation or controlled
          affiliates thereof do not own or have control, either directly or
          through one or more controlled subsidiaries, of voting 51% of the
          combined voting power of outstanding voting securities.

     ii.  The consummation of the sale, transfer or other disposition of all or
          substantially all of the assets of Intersections, unless such sale,
          transfer or other disposition is to the parent or a subsidiary of
          Intersections and all of Intersections' rights and obligations under
          this Agreement are assigned to that party in accordance with this
          Agreement.

24.  Entire Agreement: Amendment. This Agreement constitutes the entire
agreement between the parties with respect to its subject matter. Any prior or
contemporaneous agreements, representations, statements, negotiations or
undertakings dealing with these Product and Services or the subject matter of
this Agreement are superseded hereby. This Agreement may be amended or modified
only by a writing signed by both parties to this Agreement.

25.  Headings. The paragraph headings used in this Agreement are for the
convenience of the parties only and will not define or limit the substance of
any paragraph. Reference herein, unless otherwise specified, to a paragraph,
subparagraph, clause or subclause is a reference to such paragraph,
subparagraph, clause or subclause of this Agreement.

26.  Survival. Paragraphs 4.B, 5.A.ii, 5.B (excluding Paragraph 5.B.iii.), 7, 9,
12, 14.E., and 21 will survive the termination or expiration of this Agreement.
The explicit survival provisions contained in

                                       IX
<PAGE>

the Agreement and its exhibits and Addends, if any are not exclusive; the
provisions of this Agreement and its exhibits and Addenda that by their sense
and context are meant to survive expiration or termination of the Agreement
shall so survive.

     IN WITNESS WHEREOF, the parties, by their undersigned representatives,
hereby execute this Agreement.

INTERSECTIONS, INC.                            DISCOVER BANK.

By: ____________________________________       By: _____________________________
Printed name: Michael R. Stanfield             Printed name: Margaret J. Bellock
Title:      Chairman & CEO                     Title:     Loan Officer
Date: __________________________________       Date: ___________________________

                                       X

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