Document:

{FORM OF FACE OF EXCHANGE NOTE}

                  [UNLESS THIS NOTE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE
OF THE DEPOSITARY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE ISSUER
OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY NOTE
ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS
REQUIRED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE
& CO. OR SUCH OTHER ENTITY AS IS REQUIRED BY AN AUTHORIZED REPRESENTATIVE OF
DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO
ANY PERSON IS WRONGFUL IN AS MUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO.,
HAS AN INTEREST HEREIN]1

--------------------------------

1   Insert if this is a Global Note and DTC is the Depositary therefor.

<PAGE>

                             [GLOBAL] EXCHANGE NOTE

                     Iroquois Gas Transmission System, L.P.
                           ____% Senior Notes due 2010

No.                                              $                             *
     --------------------------                   ------------------------------
                                                 CUSIP No.:________

                  IROQUOIS GAS TRANSMISSION SYSTEM, L.P., a limited partnership
organized and existing under the laws of the State of Delaware (herein called
the "Issuer", which term includes its successors and assigns under the Indenture
hereinafter referred to), for value received, hereby promises to pay to [Cede &
Co.]2 [name of registered holder]3, or its registered assigns, the principal sum
of _______________ Dollars on _______________________________, and to pay
interest thereon from ____________________, or from the most recent Debt Service
Payment Date to which interest has been paid or duly provided for, as the case
may be.

                  Interest will be payable semi-annually on __________ and
_____________ in each year, commencing _______________, 200_, at the rate per
annum provided in the title hereof, until the principal hereof is paid or made
available for payment; provided, however, that if a Registration Default shall
occur (as defined in the Registration Rights Agreement) occurs,

--------------------------------

2   Insert if this is a Global Note registered with DTC.

3   Insert if this is a Definitive Note.
<PAGE>

interest will accrue on the Notes [represented by this Global Note]* at a rate
of ___% per annum from and including the day following the applicable
Registration Default to and including the date on which the event that has
resulted in Additional Interest (as defined in the Registration Rights
Agreement) being required to be paid has been cured pursuant to the terms of the
Registration Rights Agreement. The interest so payable, and punctually paid or
duly provided for, on any Debt Service Payment Date will, as provided in such
Indenture, be paid to the Person in whose name this Note (or one or more
Predecessor Notes) is registered at the close of business on the Regular Record
Date for such principal and interest, which shall be the fifteenth day (whether
or not a Business Day) preceding such Debt Service Payment Date. Any such
interest or principal not so punctually paid or duly provided for will forthwith
cease to be payable to the Person in whose name this Note (or one or more
Predecessor Notes) is registered on such Regular Record Date and may be paid to
the Person in whose name this Note (or one or more Predecessor Notes) is
registered at the close of business on a Special Record Date to be fixed by the
Issuer, notice whereof shall be given to Holders of Notes of this series not
less than 10 days prior to such Special Record Date, or may be paid at any time
in any other lawful manner not inconsistent with the requirements of any
securities exchange on which the Notes of this series may be listed, and upon
such notice as may be required by such exchange, all as more fully provided in
said Indenture.

                  The principal of, the premium, if any, and interest on the
Notes will be payable at the offices of the Trustee at: 450 West 33rd Street,
New York, New York 10001, Attention: Capital Markets Fiduciary Services.
Definitive Notes may be surrendered for registration of transfer and exchange at
the offices of the Trustee set forth herein. Upon receiving the Notes
surrendered for registration of transfer or exchange, the Issuer will issue new
Definitive Notes which will be sent to the Trustee for authentication and
delivery as set forth in the Supplemental Indenture. Notices and demands to or
upon the Issuer in respect of the Notes should be served at the office of the
Trustee set forth herein.

                  REFERENCE IS HEREBY MADE TO THE FURTHER PROVISIONS OF THIS
SECURITY SET FORTH ON THE REVERSE HEREOF, WHICH FURTHER PROVISIONS SHALL FOR ALL
PURPOSES HAVE THE SAME EFFECT AS IF SET FORTH AT THIS PLACE.

                  Unless the certificate of authentication hereon has been
executed by the Trustee referred to on the reverse hereof by manual signature,
this Note shall not be entitled to any benefit under the Indenture or be valid
or obligatory for any purpose.

--------------------------------

*   Insert if Global Note.

                                       2
<PAGE>

                  IN WITNESS WHEREOF, the Issuer has caused this instrument to
be duly executed by an officer or director of the Issuer duly authorized.

                                     IROQUOIS GAS TRANSMISSION SYSTEM, L.P.,
                                     as the Issuer

                                     By:  Iroquois Pipeline Operating Company,
                                          its Agent

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

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

                          CERTIFICATE OF AUTHENTICATION

                  This is one of the Notes of the series designated herein and
referred to in the within-mentioned Indenture.

                                     THE CHASE MANHATTAN BANK
                                     as Trustee

                                     By:
                                        ----------------------------------------
                                        Authorized Signatory

Dated:

                                       3
<PAGE>

                            {FORM OF REVERSE OF NOTE}

                     IROQUOIS GAS TRANSMISSION SYSTEM, L.P.
                           ___% Senior Notes due 2010

                  [The Notes evidenced by this Global Note are] [This Note is]
one of a duly authorized issue of securities of the Issuer (herein called the
"Notes"), issued and to be issued in one or more series under an Indenture,
dated as of _______, 2000 (herein called the "Original Indenture"), between the
Issuer and The Chase Manhattan Bank, as trustee, principal paying agent,
security registrar and transfer agent (herein called the "Trustee", which term
includes any successor trustee or assigns under the Indenture), and, as
supplemented by the First Supplemental Indenture, dated as of _______, 2000
(together with the Original Indenture and any other supplements thereto, the
"Indenture") among the Issuer, the Trustee and the Paying and Transfer Agent to
which Indenture and all indentures supplemental thereto reference is hereby made
for a statement of the respective rights, limitations of rights, duties and
immunities thereunder of the Issuer, the Trustee, the Paying and Transfer Agent
and the Holders of the Notes and of the terms upon which the Notes are, and are
to be, authenticated and delivered. [The Notes evidenced by this Global Note
are]* [This Note is] one of the series designated on the face hereof, limited in
aggregate principal amount to $200,000,000.

                  The Notes are, under certain conditions, subject to mandatory
redemption as set forth in Section 3.2 of the Indenture. The Notes are subject
to optional redemption in whole or in part, as set forth in Section 3.3. of the
Indenture.

                  Except as otherwise specified in the terms of the Notes or
provided in the related Series Supplemental Indenture or Management Committee
Resolution and Officer's Certificate issued pursuant thereto, if less than all
the Notes are to be redeemed pursuant to Section 3.2 or 3.3 of the Original
Indenture the particular Notes to be redeemed shall be selected by the Trustee
from the Outstanding Notes not previously called for redemption in whole, by
such method (including pro rata and by lot) as the Trustee shall deem fair and
appropriate.

                  The Original Indenture provides that notice of redemption
having been given as set forth in the Original Indenture, and the conditions, if
any, set forth in such notice having been satisfied, the Notes or portions
thereof so to be redeemed shall, on the Determination Date, become due and
payable, and from and after such date such Notes or portions thereof shall cease
to bear interest; provided, however, that any payment of interest on any Note,
the Stated Maturity of such payment of interest being on or prior to the
Determination Date, shall be payable to the Holder of such Note or one or more
Predecessor Notes, registered as such at the close of business on the related
Regular Record Date according to the terms of such Note and subject to the
provisions of Section 2.6 of the Original Indenture.

                  Any Note that is to be redeemed only in part shall be
surrendered at a Place of Payment therefor (with due endorsement by, or a
written instrument of transfer in form satisfactory to the Issuer and the
Trustee duly executed by, the Holder thereof or its attorney duly authorized in
writing), and the Issuer shall execute, and the Trustee shall authenticate and
make

                                       4
<PAGE>

available for delivery to the Holder of such Note without service charge, a
new Note or Notes of the applicable series, of any authorized denomination
requested by such Holder and of like tenor and in aggregate principal amount
equal to and in exchange for the remaining unpaid principal amount of the Note
so surrendered; provided, that if a Global Note is so surrendered, the new
Global Note shall be in a denomination equal to the unredeemed portion of the
principal of the Global Note so surrendered.

                  The Original Indenture contains provisions for defeasance of
(a) the entire indebtedness of this Note and (b) certain restrictive covenants
upon compliance by the Issuer with certain conditions set forth therein which
apply to [this Note][the Notes evidenced by this Global Note]*.

                  If an Event of Default shall occur and be continuing, the
principal of the Notes of this series may be declared due and payable in the
manner and with the effect provided in the Original Indenture. At any time after
such declaration of acceleration with respect to the Notes has been made, but
before a judgment or decree for payment of money has been obtained by the
Trustee as provided in the Original Indenture, the Holders of a majority in
principal amount of the Notes of each series experiencing such an Event of
Default, by written notice to the Issuer and the Trustee, may rescind and annul
such declaration and its consequences (which rescission shall not affect any
subsequent default or impair any right consequent thereon) if: (a) there has
been paid to, or deposited with the Trustee, a sum sufficient to pay (i) all
overdue interest on the Notes of each series experiencing such Event of Default,
(ii) the principal of (and premium, if any, on) any Notes which have become due
otherwise than by such declaration of acceleration and any interest thereon at
the rate prescribed therefor herein, (iii) to the extent that payment of such
interest in lawful, interest upon overdue interest at the rate prescribed
therefor herein, and (iv) all sums paid or advanced by the Trustee under the
Indenture and the reasonable compensation, expenses, disbursements and advances
of the Trustee, its agents and counsel; and (b) all Events of Default with
respect to the Notes, other than the non-payment of the principal of the Notes
which have become due solely by such declaration of acceleration, have been
cured or waived by the Holders of not less than a majority in principal amount
of Notes of each series experiencing such Event of Default.

                  The Original Indenture permits, with certain exceptions as
therein provided, the amendment thereof and the modification of the Original
Indenture or any supplemental indenture or the rights and obligations of the
Issuer and the rights of the Holders of the Notes of each series to be affected
under the Original Indenture at any time by the Issuer and the Trustee with the
consent of the Holders of a not less than majority in aggregate principal amount
of the Notes of each series to be affected. The Original Indenture also contains
provisions permitting the Holders of specified percentages in principal amount
of the Notes of each series, on behalf of the Holders of all Notes of such
series, to waive, with respect to the Notes of such series, compliance by the
Issuer with certain provisions of the Original Indenture and certain past
defaults under the Original Indenture and their consequences. Any such consent
or waiver by the Holder of this Note shall be conclusive and binding upon such
Holder and upon all future Holders of this Note and of any Note issued upon the
registration of transfer hereof or in exchange herefor or in lieu hereof,
whether or not notation of such consent or waiver is made upon this Note.

                  No reference herein to the Indenture and no provision of this
Note or of the

                                       5
<PAGE>

Indenture shall alter or impair the obligation of the Issuer,
which is absolute and unconditional, to pay the principal of, premium, if any,
and interest, if any, on this Note at the times, place and rate, and in the coin
or currency, herein prescribed.

                  As provided in the Indenture and subject to certain
limitations therein set forth, the transfer of this Note is registrable in the
Security Register, upon surrender of this Note for registration of transfer at
the office or agency of the Trustee maintained for that purpose, duly endorsed
by, or accompanied by a written instrument of transfer in form satisfactory to
the Issuer and the Security Registrar duly executed by the Holder hereof or his
attorney duly authorized in writing, and thereupon one or more new Notes of this
series and of like terms and conditions, of authorized denominations and for the
same aggregate principal amount, will be issued to the designated transferee or
transferees.

                  [This Global Note is registered in the name of and delivered
to the Depositary or its nominee as set forth in the Indenture. Except as
provided in the Indenture, owners of beneficial interests in this Note will not
be entitled to receive physical delivery of the Notes in certificated registered
form and will not be considered Holders thereof for any purpose under the
Indenture. This Global Note may not be exchanged in whole or in part for Notes
registered, and no transfer of a Global Note in whole or in part may be
registered, in the name of any Person other than the Depositary for such Global
Note or a nominee thereof, unless: (A) the Issuer has notified the Trustee in
writing that the Depositary is no longer willing or able to act as Depositary
for this Global Note or has ceased to be a clearing agency registered under the
Securities Exchange Act of 1934, and in either case a successor Depositary is
not appointed within 90 days thereof, (B) the Issuer executes and delivers to
the Trustee an Issuer Order providing that this Global Note shall be so
transferable and exchangeable, and such transfers shall be registrable or (C)
the transferee for this Global Note or an interest therein is an Institutional
Accredited Investor and (D) there shall have occurred and be continuing an Event
of Default with respect to the Notes.]*

                  The Notes of this series are issuable only in registered form
without coupons in minimum denominations of $100,000 and any integral multiple
of $1,000 thereof. As provided in the Indenture and subject to certain
limitations therein set forth, Notes of this series are exchangeable for a like
aggregate principal amount of Notes of this series and of like terms and
conditions of a different authorized denomination, as requested by the Holder
surrendering the same.

                  No service charge shall be made for any such registration of
transfer or for exchange of the Notes, but the Issuer may require payment of a
sum sufficient to cover any tax or other governmental charge payable in
connection therewith.

                  Prior to due presentment of this Note for registration of
transfer, the Issuer, the Trustee and any agent of the Issuer or the Trustee may
treat the Person in whose name this Note is registered as the owner hereof for
the purpose of receiving payment on this Note and for all other purposes,
whether or not payments on this Note be overdue, and neither the Issuer, the
Trustee nor any such agent shall be affected by notice to the contrary.

                  When a successor assumes all the obligations of its
predecessor under the Notes

                                       6
<PAGE>

of this series and the Indenture in accordance with the terms of the Indenture,
the predecessor will be released from those obligations.

                  The Trustee under the Indenture, in its individual or any
other capacity, may become the owner or pledgee of Notes of this series and may
otherwise deal with the Issuer as if it were not the Trustee.

                  This Note shall not be valid until the Trustee or
authenticating agent signs the certificate of authentication on this Note.

                  Customary abbreviations may be used in the name of a Holder of
a Notes of this series or an assignee, such as: TEN COM (= tenants in common),
TEN ENT (= tenants by the entireties), JT TEN (= joint tenants with right of
survivorship and not as tenants in common), CUST (= Custodian), and U/G/M/A (=
Uniform Gifts to Minors Act).

                  Pursuant to a recommendation promulgated by the Committee on
Uniform Note Identification Procedures, the Issuer will cause CUSIP numbers to
be printed on the Notes of this series as a convenience to the Holders of the
Notes of this series. No representation is made as to the accuracy of such
numbers as printed on the Notes of this series and reliance may be placed only
on the other identification numbers printed hereon.

                  [This Note] [The Notes evidenced by this Global Note]* shall
be governed by and construed in accordance with the laws of the State of New
York.

                  All terms used in [this Note] [the Notes evidenced by this
Global Note]* which are defined in the Indenture shall have the meanings
assigned to them in the Indenture; and all references in the Indenture to "Note"
or "Notes" will be deemed to include [this Note] [the Notes evidenced by this
Global Note]*.

                                       7
<PAGE>

                       OPTION OF HOLDER TO ELECT PURCHASE

                  If you want to elect to have this Note purchased by the Issuer
pursuant to Section 6.2(a) of the Indenture, check the box: |_| yes

                  If you want to elect to have only part of this [Global] Note
purchased by the Issuer pursuant to Section 6.2(a) of the Indenture, as the case
may be, state the principal amount you want to be purchased: $__________.

Date:
     -------------------

                                       Signature:
                                                 -------------------------------
                                                     (Sign exactly as your
                                                     name appears on the
                                                     other side of this Note)

                                       8
<PAGE>

                                                                      SCHEDULE A

                       [TO BE ATTACHED TO GLOBAL NOTES]

                SCHEDULE OF INCREASES OR DECREASES IN GLOBAL NOTE

                  The following increases or decreases in this Global Note have
been made:

                                                 Principal
             Amount of        Amount of          Amount of this
             decrease in      increase in        Global Note
             Principal        Principal          following such      Notation by
Date of      Amount of this   Amount of this     decrease or         Security
Exchange     Global Note      Global Note        increase            Registrar
--------     --------------   --------------     --------------      -----------EXPERIAN AFFILIATE SERVICES AGREEMENT
                                (LEASE EXPANSION)

       April 28, 2000                                 April 27, 2010
----------------------------                   ---------------------------
      (Effective Date)                               (Expiration Date)

           This Experian  Affiliate Services Agreement (the "Agreement") is made
and entered into effective as of the date set forth above (the "Effective Date")
by and between Experian Information Solutions,  Inc., an Ohio corporation acting
through its Information Solutions Division and having a place of business at 505
City Parkway West, Orange,  California 92868 ("Experian") and Factual Data, a(n)
Colorado  corporation  having a place of  business  at 5200  Hahns  Peak  Drive,
Loveland, Colorado 80538 ("Affiliate").

                                     RECITAL

           Experian desires to provide and Affiliate  desires to receive certain
credit reporting services on the terms and conditions set forth herein.

           NOW, THEREFORE, in consideration of the mutual premises and covenants
set forth herein, and intending to be legally bound, the parties hereby agree as
follows:

                                    SECTION 1

                                   DEFINITIONS

           The following  definitions  of certain words and phrases used in this
Agreement apply whenever they are used with initial  capitalization.  Additional
definitions used in this Agreement are set forth in Section 5.

     1.1  Additional  Services.  As  defined in  Section  3.7 of the  Agreement.

     1.2  Affiliate.  As  defined  in the  first  paragraph  of this  Agreement.

     1.3 Affiliate  Leased Data Base. All credit  information and records stored
in the Experian  System,  no matter how or by whom  collected,  associated  with
consumers having current addresses within the Affiliate's Leased Zip Code Area.

     1.4 Affiliate  Leased Zip Code Area. The  geographic  area defined by those
United  States  Postal  Service  Zip  Codes  set  forth in  Exhibit  C, plus any
additional Zip Code Areas  designated by the United States Postal Service within
such geographic area.

     1.5 Affiliate Subscribers. Credit grantors and other customers of Affiliate
to whom  consumer  credit  or other  information  from the  Experian  System  is
furnished by Affiliate.

     1.6  Ancillary  Services.  Those  services  provided by Experian  which are
identified  as  ancillary  services on Exhibit A hereto,  as such may be amended
from time to time by Experian.

                                       1
<PAGE>

     1.7 Cross  Access  Charge.  Fees paid by  Experian or  Affiliate  for sales
relating to inquiries on consumers having current  addresses within the Zip Code
Area of the other, including but not limited to the following:

          1.7.1  Standard  Cross Access  Charge.  The separate fee to be paid by
     Experian or Affiliate  respectively for sales directly to end-users when an
     Experian  Subscriber inquires regarding a consumer having a current address
     within Affiliate's Zip Code Area or when an Affiliate  Subscriber  inquires
     regarding a consumer  having a current  address within  Experian's Zip Code
     Area.

          1.7.2  Reseller  Cross Access  Charge.  The separate fee to be paid by
     Experian or Affiliate  respectively  for sales  through  resellers  when an
     Experian  Subscriber inquires regarding a consumer having a current address
     within Affiliate's Zip Code Area or when an Affiliate  Subscriber  inquires
     regarding a consumer  having a current  address within  Experian's Zip Code
     Area, and other cross access charges determined in accordance with Experian
     policy and applicable to Other Experian Affiliates generally.

          1.7.3 Consumer Direct Cross Access Charge. The separate fee to be paid
     by Experian or  Affiliate  respectively  for sales  directly to  individual
     consumers of that  consumer's  own credit  report when that  consumer has a
     current address within  Affiliate's Zip Code Area or when that consumer has
     a current address within Experian's Zip Code Area.

     1.8 Direct  Marketing  Services.  Direct  Marketing  Services are those non
credit, direct marketing services identified as such on Exhibit A. Such services
may be added,  deleted  or  changed  from time to time by  Experian's  Marketing
Solutions Division (as the same may exist from time to time).

     1.9 Effective Date. The date identified above as the effective date of this
Agreement.

     1.10 Experian.  The Information  Solutions Division of Experian Information
Solutions, Inc.

     1.11 Experian Data Base. All consumer credit information and records stored
in the Experian  System,  no matter how or by whom  collected,  associated  with
consumers having current addresses within Experian's Zip Code Area.

     1.12  Experian  Network.  Data  lines,  data  adapters,  and other  related
equipment  (including  the personnel  needed to operate the same) operated by or
for Experian or by an independent third party to provide  communication  between
Affiliate and Experian's  computer center. The Experian Network does not include
local or long  distance  lines to be used by  Subscribers  to gain access to the
Experian Network.

                                       2
<PAGE>

     1.13 Experian Subscribers.  Credit grantors and other customers of Experian
to whom  consumer  credit  or other  information  from the  Experian  System  is
furnished by Experian, including without limitation National Accounts.

     1.14 Experian  System.  The  computerized  consumer credit reporting system
owned, maintained and operated by Experian. The Experian System does not include
any other computerized  systems operated by Experian such as the systems used to
create Direct Marketing  Services,  business credit reports,  business marketing
services and real property reports.

     1.15  Experian's Zip Code Area. At any relevant time, all geographic  areas
except  (i) the  Affiliate  Leased  Zip Code Area and (ii) the zip code areas of
Other Experian Affiliates (except to the extent of Experian's ownership interest
in leased affiliate areas).

     1.16 Initial Term. As defined in Section 2 of the Agreement.

     1.17 Inquiry Response.  Each response by the Experian System in the form of
a  basic  Experian  consumer  credit  profile  report,  whether  transmitted  by
teleprinter,  central  processing  unit or otherwise,  to a request for consumer
credit  information  by  Affiliate or an Affiliate  Subscriber  including  (i) a
record  located by the Experian  System in the Affiliate  Leased Data Base,  the
Experian  Data Base or an Other  Experian  Affiliate  data base on the  Experian
System;  or (ii) a response  that no record  could be  located  by the  Experian
System.  Each Inquiry  Response shall be in a format  comparable to that used by
Experian in furnishing credit information to its own Subscribers.

     1.18 Key  Accounts  Program.  The  program  regarding  sales and pricing of
Services by Affiliate to certain  qualifying  Subscribers as defined pursuant to
Experian's written policy from time to time setting forth such program.

     1.19  National  Accounts.  As  defined in  Section  18.1 of the  Agreement.

     1.20 Other  Experian  Affiliate.  Any credit bureau which,  at any relevant
time:  (a) has in  effect  an  agreement  with  Experian  to use and pay fees in
connection with services provided through the Experian System;  and (b) has data
stored on the Experian System (whether owned by such credit bureau,  Experian or
both) and is generally authorized to market and sell consumer credit information
obtained through the Experian System.

     1.21 Other  Experian  Affiliate  Subscribers.  Customers of Other  Experian
Affiliates.

     1.22 Renewal Term. As defined in Section 2 of the Agreement.

     1.23 Services.  The Inquiry  Responses,  Ancillary  Services and Additional
Services  Experian  provides to Affiliate as identified on Exhibit A hereto,  as
such may be  amended  from time to time by  Experian.  Services  do not  include
Direct Marketing Services, which are addressed in Section 3.8 of this Agreement.

     1.24  Subscribers.   Affiliate   Subscribers,   Experian   Subscribers  and
subscribers of Other Experian Affiliates.

                                       3
<PAGE>

     1.25 Term. As defined in Section 2 of the Agreement.

                                    SECTION 2
                                TERM OF AGREEMENT

     2.1 Term. Subject to early termination as set forth in this Agreement,  the
term of this Agreement (the "Term") is the period consisting of the Initial Term
and, if this Agreement is renewed, any Renewal Term(s).

     2.2 Initial Term. The initial term of this  Agreement (the "Initial  Term")
shall  commence on the  Effective  Date and continue  until 11:59 p.m.,  Pacific
time,  on the  Expiration  Date  noted  at the  top of the  first  page  of this
Agreement.

     2.3 Renewal Term.  Unless one of the parties  delivers to the other written
notice of such party's  intent not to renew this Agreement no later than six (6)
months prior to the  expiration of the Initial Term,  this  Agreement will renew
automatically  and without  further action by either party for an additional one
(1) year period (a "Renewal Term"). Thereafter,  this Agreement will continue to
renew  automatically for additional one (1) year periods (each a "Renewal Term")
unless and until either party delivers to the other a written  nonrenewal notice
no later than six (6) months prior to the expiration of such Renewal Term.

                                    SECTION 3
                            EXPERIAN RESPONSIBILITIES

     3.1 Lease and Assignment.

          3.1.1 Lease. In  consideration  of the payment of the Revenue Transfer
     Fee  payable  in monthly  installments  as set forth in Item 1 of Exhibit B
     ("Revenue  Transfer  Fee") during the first five years of the Term,  and in
     consideration  of the  promises of  Affiliate  contained  herein,  Experian
     grants  Affiliate  the  nonexclusive  right to use,  during  the Term,  the
     Affiliate  Leased Data Base on the terms and  conditions  set forth herein.
     AFFILIATE HAS  SUBSTANTIAL  KNOWLEDGE OF THE  OPERATIONS OF EXPERIAN AND IN
     MAKING THE PAYMENT SPECIFIED HEREIN,  RELIES ON ITS KNOWLEDGE OF THE CREDIT
     REPORTING   BUSINESS  IN  THE  AFFILIATE   LEASED  ZIP  CODE  AREA  AND  NO
     REPRESENTATIONS  OR WARRANTIES WITH RESPECT THERETO ARE MADE BY EXPERIAN OR
     RELIED ON BY AFFILIATE.

          3.1.2  Assignment.  Experian  hereby  assigns to Affiliate  all of the
     rights and obligations under the subscriber agreements of customers located
     in the  Affiliate  Leased  Zip Code Area  having  subscriber  numbers  with
     preambles  of TCOX,  TSPX,  and TBDX except  those  agreements  relating to
     National Accounts and Resellers.  Affiliate hereby accepts such assignment,
     and will perform all of the duties under such  subscriber  agreements as if
     it were Experian.  Affiliate may not lease or sublease any part or interest
     in the Affiliate Leased Data Base to any third party.  Affiliate is granted
     the right to contact  Advantage  Credit  Network (an Equifax  affiliate) to
     obtain a subscriber  agreement  using the  appropriate  Reseller  preamble.
     Affiliate is granted the right to contact American Fair Credit  Association
     to obtain a  subscriber  agreement.  This  subscriber  will be exempt  from
     National  Account status as specified in Section 18.1 unless  subscriber is
     acquired by another National Account subscriber.

                                       4
<PAGE>

          3.1.3 Revenue Transfer Fee Adjustment and Rebate. The Revenue Transfer
     Fee  will be  proportionately  reduced  with  respect  to any  customer  of
     Affiliate  as of the  Effective  Date that  becomes  and remains a National
     Account  during the Term,  based on the volume of such  customer  as of the
     Effective  Date. Any such  reduction  shall be reversed with respect to any
     customer  that then  ceases to be a National  Account.  Affiliate  may earn
     rebates of the Revenue  Transfer Fee in accordance with this Section 3.1.3.
     For the first two years of the Term of this Agreement,  Affiliate shall pay
     the Revenue  Transfer  Fee without  reduction.  Subject to the  limitations
     stated in this Section 3.1.3,  beginning with the third year of the Term of
     this  Agreement,  Affiliate  may earn a rebate as follows:  (A) one percent
     (1%) of the Revenue Transfer Fee for every two percentage  points of growth
     in Inquiry  Responses over the base existing Inquiry Response volume stated
     in Item 8 of Exhibit B (the "Base Inquiry  Response  Volume"),  and (B) one
     percent (1%) of the Revenue Transfer Fee for each additional  250,000 trade
     lines  contributed  to the  Affiliate  Leased Data Base after the Effective
     Date by Subscribers (or a distinct  division of a Subscriber) that were not
     data  contributors as of the Effective Date (the "Trade Line Rebate").  The
     maximum  rebate is limited to 10% of the Revenue  Transfer Fee in the third
     year of the  Agreement,  15% in the fourth year of the Agreement and 25% in
     the fifth year of the  Agreement,  and the Trade Line Rebate may constitute
     no more than  one-fifth  of the total  maximum  rebate.  The rebate will be
     credited to Affiliate  beginning  within ninety (90) days of the end of the
     applicable year. By way of example, if the existing Inquiry Response volume
     with respect to consumers with  addresses in the Affiliate  Leased Zip Code
     Area for the year preceding the Effective Date was 100,000, Affiliate would
     achieve the maximum rebate of 10% of the Revenue  Transfer Fee in the third
     year of the  Agreement  if the  Inquiry  Response  volume for such year was
     120,000 (a twenty  percentage  point  increase  over the 100,000 unit base,
     translating to a 10% rebate of the Revenue Transfer Fee), or if the Inquiry
     Response Volume was 116,000 (a sixteen  percentage  point increase over the
     100,000  unit base for an 8%  rebate)  and the Trade  Line  Rebate  was the
     maximum 2% (one-fifth of the total allowable rebate). To obtain the maximum
     rebate in years four and five of the Term,  Affiliate would need to achieve
     Inquiry Response volume of 130,000 and 150,000,  respectively,  or at least
     124,000 and  140,000,  respectively,  along with an increase in  applicable
     trade lines  allowing for the maximum Trade Line Rebate in such years of 3%
     and 5%, respectively.

          3.1.4 Local Unit Shortfall.  Payment of the Revenue Transfer Fee shall
     cease  following the fifth year of the Term.  However,  the Affiliate  must
     grow the Base  Inquiry  volume by 50% also by the end of the fifth  year of
     the  term.  Experian  shall  have the  ability  at its sole  discretion  to
     terminate this Agreement  after year five if the Affiliate fails to fulfill
     this obligation.  For purposes of the calculation  required by this Section
     3.1.4,  the Base Inquiry Response Volume will be reduced by an amount equal
     to the inquiry volume on the Effective Date of any customer of Affiliate as
     of the Effective  Date that becomes and remains a National  Account  during
     the Term.  Any such  reduction  shall be reversed  with respect to any such
     customer that then ceases to be a National Account.

                                       5
<PAGE>

     3.2  Generally.  Experian  shall  operate and maintain the Experian  System
during the Term of this Agreement in accordance  with this  Agreement.  Experian
shall have the  exclusive  right and  responsibility  to continue  operation and
management of the Experian System including,  without limitation, the sole right
to  designate  and to change  any or all  equipment,  software,  specifications,
formats,  practices,  policies  and  procedures  which  directly  or  indirectly
comprise,  relate to or affect the Experian System and the sale of Services from
the Experian System.

     3.3 Changes To Experian System.  Experian shall use its best efforts to (a)
give  Affiliate at least thirty (30) days advance  written notice of any planned
changes in the Experian System which will materially affect the credit reporting
services to be furnished by Experian to  Affiliate  pursuant to this  Agreement;
and (b) make such changes  consistent  with its  obligations  under Section 3.4,
below.  Experian may provide  Affiliate  instructions  for implementing any such
changes, with which Affiliate agrees to comply.

     3.4 Level of Service.  Experian's  obligation to furnish the Services shall
be no less nor more extensive  than the normal  service  provided by Experian to
Experian Subscribers.  Consistent with the foregoing,  Experian may impose terms
and  conditions  relating to the sale of the Services,  and Affiliate  agrees to
comply with such terms and conditions,  which are  incorporated  into and made a
part of this  Agreement  by this  reference.  In the event of equipment or labor
shortages,  communication  problems or similar problems,  Experian will allocate
available  resources in a prudent manner without  arbitrarily  discriminating in
favor of its own direct credit reporting business.

     3.5 Hours of Experian  Service.  Experian  shall  provide  basic  reporting
services to Affiliate during  Experian's  normal service hours. Such hours shall
be published by Experian  from time to time,  but are subject to change  without
notice.  Affiliate  will be  provided  the same  hours of  service  as  Experian
Subscribers  for  the  same  time  zone  and  region.  If  there  is  a  service
interruption, Experian shall use its best efforts to restore service as promptly
as practical in light of the cause of interruption  and requirements for service
restoration.

     3.6 Training.  Experian will aid in training,  at  Experian's  facility,  a
reasonable  number of Affiliate  personnel  whose duties  relate to  Affiliate's
credit reporting services provided hereunder. All expenses incurred by Affiliate
and its personnel in attending  such  training,  including  without  limitation,
travel,  room  and  boarding  expenses,  shall  be the  sole  responsibility  of
Affiliate.  Upon reasonable request,  and at the expense of Affiliate,  Experian
will send its personnel to Affiliate's facility to provide training.

     3.7 Additional Services.  From time to time, Experian may make available to
Affiliate,  upon the then  prevailing  prices,  terms and  conditions,  consumer
credit reporting  services in addition to those Inquiry  Responses and Ancillary
Services agreed to be provided by Experian  herein  ("Additional  Services").  A
list of those Additional Services Experian is currently offering to Affiliate is
set forth in Exhibit A, and Experian's current pricing is set forth in Item 3 of
Exhibit B,  subject to change  from time to time  during the Term in  Experian's
sole discretion. If Affiliate desires to have the right to sell other Additional
Services  made  available  to it,  Affiliate  shall  execute an addendum to this
Agreement in a form satisfactory to Experian evidencing Affiliate's agreement to
the  terms  and  conditions  applicable  to the  sale of such  other  Additional
Services,  and such addendum will be attached to,  incorporated  into and made a
part of this  Agreement by this  reference.  The sale to Affiliate of Additional
Services  shall be at the  prices  and on the terms and  conditions  imposed  by
Experian unless otherwise agreed in such addendum.

                                       6
<PAGE>

     3.8 Direct Marketing  Services.  Experian's  Marketing  Solutions  Division
appoints  Affiliate  to act as a  nonexclusive  agent  for the  sale  of  Direct
Marketing Services to purchasers  physically located within the Affiliate Leased
Zip Code Area. Affiliate acknowledges that in selling Direct Marketing Services,
Affiliate is acting as the agent of  Experian's  Marketing  Solutions  Division.
Affiliate  will use  Experian  approved  contract  terms in  selling  all Direct
Marketing  Services  and shall not have the  authority  to alter such terms.  In
certain cases,  Experian may have indemnified its supplier of such services;  in
such cases,  Affiliate  will  likewise  indemnify  Experian  when  Affiliate  is
notified of Experian's indemnity obligation.

The location of the purchaser for purposes of the prior  paragraph is determined
by the  purchaser  and/or  the  physical  location  of the  persons  within  the
purchaser's  organization  who have the authority over specific project budgets.
Nonbanking  subsidiaries  and  parents  of banks  shall be  considered  as being
located at the physical location of the subsidiary and parent, respectively.

     3.9  Transaction  Reports.  Experian will provide  Affiliate with a monthly
invoice and back-up reports  indicating the Services  purchased by Affiliate and
Affiliate Subscribers.

                                    SECTION 4
                                 SPECIFICATIONS

     4.1 Facilities  Specifications.  Experian may provide to Affiliate, and may
from  time to time  revise,  the  specifications  for the  facilities  needed by
Affiliate to provide credit reporting services to Affiliate  Subscribers.  Those
facilities  specifications may include, by way of example,  size,  construction,
temperature  and location  (for purposes of telephone  availability).  Affiliate
shall  bear the  responsibility  for  obtaining  and  preparing  a  facility  in
accordance with such specifications.

     4.2  Noncommunications  Equipment,  Communications  Equipment,  Network and
Software Specifications.  Experian shall have the right to provide to Affiliate,
and may from time to time revise, the  specifications  for terminals,  printers,
communications  lines,  modems  and  all  other   noncommunications   equipment,
communications  equipment, the Experian Network and software needed by Affiliate
to provide  credit  reporting  services  from the  Experian  System to Affiliate
Subscribers.  Affiliate shall bear the  responsibility,  cost and expense of the
shipping,  installation,  maintenance and removal of such equipment software and
other items specified by Experian. Affiliate may obtain such equipment, software
and other items from Experian if Experian is making such equipment,  software or
other items  generally  available  to Experian  Subscribers,  or from  suppliers
approved  by  Experian,  such  approval  not  to be  unreasonably  withheld.  If
Affiliate fails to comply with  specifications  provided by Experian  hereunder,
Experian shall have the right,  in addition to any other  remedies  available to
it,  to  charge  Affiliate  on a time  and  materials  basis  for all  training,
technical  development,  troubleshooting  and other  support due to  Affiliate's
failure to comply.  Experian will not be responsible for any outages,  downtime,
slow response, connectivity or other problems resulting from Affiliate's failure
to comply.

                                        7
<PAGE>

           4.3 Local Access Lines.  Affiliate shall provide at its sole cost and
expense,  either directly or through a third party, the local telephone and data
transmission  lines  necessary for Affiliate  Subscribers  to gain access to the
Experian Network. Affiliate shall not permit Affiliate Subscribers to access the
Experian Network using communication lines not paid for by Affiliate.

                                    SECTION 5
                            PRICES, FEES AND CHARGES

     5.1  Affiliate  Inquiry  Response  Fee.  Affiliate  shall pay  Experian the
inquiry  response  fee set forth in Item 1 of Exhibit B (the  "Inquiry  Response
Fee") for each  Inquiry  Response.  The  Inquiry  Response  Fee may be  adjusted
annually at the end of Experian's fiscal year, subject to Section 5.3. Affiliate
shall also pay an inquiry fee surcharge on Colorado  consumers.  The pricing set
forth is based in part on existing  regulation.  If any federal,  state or local
law,  ordinance or other  regulatory,  administrative  or  governmental  acts or
measures are enacted which increase  Experian's cost of providing such Services,
Experian  reserves the right, upon thirty (30) days prior written notice, to add
or change the surcharge to the pricing set forth herein in Item 1 of Exhibit B (
the "Inquiry Fee  Surcharge")  to cover the added cost of providing the Services
in the affected geographic region.  Factual Data Corporation located in Colorado
utilizing a unique  subcode  assigned to preamble  BCOA will receive the Inquiry
Response Fee set forth in Item 1 of Exhibit B for Mortgage and Tenant  Screening
purposes only on consumers residing in Colorado.  All other inquiries will incur
standard cross access.

     5.2 Ancillary Service Charges.

          5.2.1  Ancillary  Services.  "Ancillary  Services" are those  Experian
     services set forth on Item 2 of Exhibit B, including  FACS+,  Direct Check,
     each risk model response, Profile Summary and such additional service(s) as
     Experian elects to include as Ancillary Services;  provided,  however, that
     Affiliate  shall  have  access  to all  such  Ancillary  Services  that are
     generally available to Other Experian Affiliates.

          5.2.2  Ancillary  Service  Fee.   Affiliate  shall  pay  Experian  the
     applicable  fee set forth in Item 2 of  Exhibit B (the  "Ancillary  Service
     Fee"). The Ancillary Fee may be adjusted  annually at the end of Experian's
     fiscal year, subject to Section 5.3.

                                       8
<PAGE>

     5.3 Changes in Certain Fees and Charges. In addition to any other right set
forth herein,  Experian may, upon not less than thirty (30) days written notice,
but not more often than once in each  Experian  fiscal year,  change the Inquiry
Response Fee and/or the  Ancillary  Service Fee.  The  cumulative  amount of any
increase  pursuant to this Section 5.3 (when  expressed  as a percentage  of the
initial  fee or  charge)  shall not be in excess  of the  cumulative  percentage
change  (measured  from the Effective  Date shown on the first page hereof),  if
any, in the level of the Consumer Price Index (All Urban Consumers, Base Period:
l982-84 = l00)  published  by the U. S.  Department  of  Labor,  Bureau of Labor
Statistics.  Further,  if the cost to  Experian,  as  reasonably  determined  by
Experian  in  accordance  with  generally  accepted  accounting  principles,  of
providing  any  services  hereunder  increases as a  reasonable  consequence  of
federal, state or local laws, ordinances or other regulatory,  administrative or
governmental acts or measures,  then Experian may, upon not less than sixty (60)
days written notice,  increase such charges by an amount  determined by Experian
in good faith to be appropriate  based, at least in part, on the geographic area
affected the acts or measures and applied in such a way that  Experian  does not
arbitrarily discriminate in favor of its own direct credit reporting business.

     5.4  Network,  Communications  Equipment  and  Noncommunications  Equipment
Charge.  Affiliate  shall also pay each  month the amount set forth as  network,
communications  equipment and  noncommunications  equipment charges in Item 1 of
Exhibit B (the "Network,  Communications and Equipment  Charges").  In addition,
Affiliate  acknowledges that Experian has expended  significant sums of money to
install the Experian Network and may incur ongoing  expenditures  related to the
maintenance,  upkeep and modification of the Experian Network. Such expenditures
are to be equitably shared by Experian, Affiliate and Other Experian Affiliates.
Affiliate  shall pay Experian for  noncommunications  equipment,  communications
equipment and the Experian  Network in accordance with Experian's price schedule
in effect  from time to time,  currently  as set forth in Item 1 of  Exhibit  B.
Experian  may,  once  during  each  Experian  fiscal year and upon not less than
thirty (30) days  written  notice,  change such  charges.  If such  equipment is
obtained from  Experian,  the price  therefor  shall be Experian's  then current
normal  charge.  Each party  reserves the right to charge the other for usage of
the other's communication lines by its Subscribers. The Network,  Communications
and Equipment  Charges include only normal  preventive and remedial  maintenance
during established normal service hours.  Affiliate shall pay separately for all
other  services  and all other  charges  imposed by  Experian or any third party
vendor.

     5.5 Recurring  Charge.  The amount set forth as other recurring  charges in
Item 1 of Exhibit B (the "Other  Charges").  Other Charges shall include charges
for usage of Experian's  communications lines by Affiliate  Subscribers,  leased
equipment, data storage, conversion charges and other additional charges imposed
if Affiliate obtains from Experian  teleprinters,  computers,  software or other
goods or services not otherwise  covered in this Section 5.  Additional  amounts
for items not enumerated in this Section 5.5 shall be included within  Recurring
Charges only on terms and conditions  mutually  agreed to by the parties and set
forth herein or in a separate agreement.

     5.6 Administrative  Allowance.  Each month Experian will reduce Affiliate's
invoice in an amount equal to the percentage set forth in Item 1 of Exhibit B of
the  total  number  of  Inquiry  Responses  made  each  month   ("Administrative
Allowance"). The Administrative Allowance percentage may be reviewed annually on
the basis of  Affiliate's  actual  administrative  usage and may be  adjusted by
Experian once each Experian fiscal year as appropriate.

                                       9
<PAGE>

     5.7 Cross Access Charges.

          5.7.1  Payment of Cross  Access  Charges.  Each party shall pay to the
     other the  applicable  Cross  Access  Charge  pursuant to Section 8 of this
     Agreement.   In   addition,   Affiliate   shall   pay   to   Experian   the
     Affiliate-to-Affiliate  Administrative Fee set forth in Item 4 of Exhibit B
     (the "Affiliate-to-Affiliate  Administrative Fee") whenever Affiliate sells
     to Affiliate  Subscribers credit information contained in an Other Experian
     Affiliate data base.

          5.7.2 Change in Standard Cross Access  Charge.  At any time during the
     Term of this  Agreement,  not more  that once in each  Experian  accounting
     fiscal year (determined in accordance with Experian accounting conventions)
     and upon thirty (30) days written notice,  Experian may change the Standard
     Cross Access Charge set forth in Item 4 of Exhibit B.

          5.7.3  Additional  Cross Access Charges.  Experian has established the
     separate  Reseller  Cross Access  Charge and  Consumer  Direct Cross Access
     Charge  reflected  in Item 4 of Exhibit B.  Experian  may from time to time
     establish  separate  cross access  charges  applicable  to Affiliate and to
     Other Experian Affiliates generally. Experian may change the Reseller Cross
     Access  Charge,  Consumer  Direct  Cross Access  Charge and any  separately
     established  cross  access  charge in keeping  with  changes made which are
     applicable to Affiliate and to Other  Experian  Affiliates  generally.  The
     determination  as to whether  an entity  constitutes  a  reseller  or other
     entity or business as to which any cross access fee is applicable  shall be
     determined in accordance with Experian  policy  applicable to Affiliate and
     Other  Experian  Affiliates  generally and  promulgated  from time to time.
     Experian may also denote  industry  exceptions to the Reseller Cross Access
     Charge, which industries default to the Standard Cross Access Charge.

     5.8 Cross  Marketing  Fee. In addition to any and all other fees or charges
to be  paid  by  Affiliate  hereunder,  Affiliate  shall  pay  to  Experian  the
out-of-area charge identified in Item 5 of Exhibit B (the "Cross Marketing Fee")
in all cases when the physical location of Affiliate's  Subscriber is outside of
Affiliate's Zip Code Area and is within Experian's Zip Code Area or the Zip Code
area of an Other Experian Affiliate which is a leased Affiliate area.

     5.9 Direct Marketing  Services  Pricing.  For each Direct Marketing Service
sold  through  Affiliate  as provided  hereunder,  Affiliate  shall pay Experian
according to the then current prices published by Experian's Marketing Solutions
Division.

     5.10  Additional  Services.  The sale of  Additional  Services  pursuant to
Section 3.6 shall be at the prices and on the terms and conditions  imposed from
time to time by  Experian  unless  otherwise  agreed to in an  addendum  to this
Agreement.

     5.11 Consumer  Assistance.  Experian  will perform the consumer  assistance
function for consumers  located in the Affiliate Zip Code Area.  Affiliate  will
refer all such consumers to Experian's  National Consumer  Assistance Center for
assistance.

                                       10
<PAGE>

     5.12  Royalties  for Experian  Sale of Prescreen  and Quest.  Experian will
credit Affiliate, on net names supplied, the amount shown in Item 6 of Exhibit B
whenever  Experian sells Prescreen or Quest services  generated from Affiliate's
Data Base only.

                                    SECTION 6
                              PAYMENTS BY AFFILIATE

     6.1 Time for Payment. All fees and charges,  including those for equipment,
facilities  and  conversion  services  furnished  Affiliate  hereunder,  will be
invoiced periodically in accordance with Experian's usual billing procedures and
shall be due and payable by Affiliate within thirty (30) days of the date of the
invoice.  If within  seven (7) days of the date of the invoice  Experian has not
furnished  Affiliate with  transaction  information  sufficient for Affiliate to
bill Affiliate  Subscribers  for the period covered by the invoice,  the payment
due date will be delayed  for a period of time equal to the delay by Experian in
furnishing  such  transaction  information.  If Affiliate  does not pay invoiced
amounts within the allowed time period,  it will also pay interest on the unpaid
amount at the rate of one and one half  percent  (1.5%) per month or the maximum
rate allowed by law, whichever is less.

     6.2 Invoices Final.  Affiliates  payment of an invoice shall not constitute
acceptance of Experian's invoice as accurate,  provided, however, that Affiliate
shall  have one  hundred  eighty  (180)  days from the date of invoice to notify
Experian of a dispute.  Experian and Affiliate shall work together in good faith
to resolve the dispute as expeditiously as possible.  In the event that Experian
has not received a notice of dispute  within one hundred  eighty (180) days from
the date of an invoice,  the invoice will be deemed accepted in all respects and
neither  party shall  dispute any amount or make any claim for payment,  refund,
rebate,  credit or offset with respect  thereto;  provided,  however,  that this
provision shall not apply with respect to any tax payable by Affiliate  pursuant
to Section 6.3 hereof.

     6.3 Taxes. All prices and rates are exclusive of applicable federal,  state
or local  taxes.  Affiliate  shall  pay or  reimburse  Experian  for such  taxes
excluding taxes based on net income,  and such taxes may be added to any invoice
submitted  hereunder.  Affiliate will supply Experian,  where appropriate,  with
resale certificates or other documents required for obtaining tax exemptions.

     6.4 Protection of Rights.  Affiliate  shall keep the Affiliate  Leased Data
Base free and clear of all levies, liens, encumbrances and other claims of third
parties.  During the time a default  hereunder  exists  without  cure thereof by
Affiliate, Experian shall have the right to make any use of the Affiliate Leased
Data Base. Any attempt to transfer, assign or encumber the Affiliate Leased Data
Base in contravention of this Agreement shall be void and of no force or effect.

                                       11
<PAGE>

                                    SECTION 7
                           AFFILIATE RESPONSIBILITIES

     7.1 General Duties.  Affiliate shall actively  advertise,  promote and sell
the full line of  Services  and  actively  encourage  Affiliate  Subscribers  to
contribute information to the Experian System.

     7.2 Personnel.  Affiliate  shall retain an appropriate  number of personnel
reasonably  necessary for the proper collection of consumer credit  information,
provision of credit reporting services to Affiliate  Subscribers,  connecting to
the Experian  System,  sales and marketing,  compliance  with this Agreement and
compliance with all federal, state and local laws in connection with the sale of
credit reports from the Affiliate  Leased Data Base and operation of Affiliate's
business.

     7.3  Training.  Experian from time to time may provide and may require that
designated Affiliate personnel,  at Affiliate's expense, attend and successfully
complete training programs or seminars to be conducted at facilities  reasonably
selected  by  Experian.  In  addition,  Affiliate  shall  provide to each of its
employees  during  each  calendar  year  such  additional  training  related  to
Affiliate's  consumer credit reporting business as may be reasonably required to
assure that Affiliate meets its obligations hereunder.  If the training required
by  Experian  pursuant  to this  Section  7.3 will  cause an undue  hardship  on
Affiliate, Affiliate may suggest to Experian reasonable alternatives to personal
attendance  and  Experian  will  consider  in good  faith  such  suggestions  as
alternative methods of satisfying the training requirements hereunder.

     7.4 Follow-up  Assistance and Services.  Affiliate shall be responsible for
maintaining in proper operating condition its facilities,  equipment,  software,
telecommunication  lines and other items  necessary for Affiliate to utilize the
Experian  System.  Affiliate  may, from time to time,  request the assistance of
Experian in a consulting  capacity.  Experian will provide,  insofar as Experian
has the  capacity and  available  personnel to do so,  technical  assistance  to
enable Affiliate to utilize the Experian System. For such technical  assistance,
Affiliate  shall pay Experian  for time,  material  and  out-of-pocket  expenses
incurred,  determined in accordance with Experian's normal and reasonable rates.
Whenever  feasible,  such charges shall be estimated by Experian and approved by
Affiliate in advance.

     7.5  Updating  Responsibilities.  Affiliate  shall use its best  efforts to
provide  or have  provided  to  Experian  updated  consumer,  inquiry  and other
information  so that the Affiliate  Leased Data Base will remain at all times as
current and complete as possible;  provided that Experian  shall be  responsible
for the acquisition of such public record data as it deems desirable in its sole
discretion.  Any  expense  associated  with the  acquisition  or  conversion  of
information  from an  Affiliate  Subscriber  and the  reconversion  of Affiliate
Subscriber  information to a form  compatible  with the Experian System shall be
borne by Affiliate unless such expense was occasioned by an act of Experian. All
costs and expenses  associated with processing  Affiliate  Subscriber  diskettes
will be the sole  responsibility  of the  Affiliate.  The price to  Affiliate of
updating the Affiliate Leased Data Base is normally  included in the charges set
forth in Section 5,  provided  that if the  number of errors  contained  in such
information is higher than the average number of errors contained in information
supplied by other  Experian  Subscribers  according to Experian's  actual recent
experience,  Experian may charge  Affiliate for correcting all errors not caused
by Experian,  in excess of the average number of errors, on a time and materials
basis.

                                       12
<PAGE>

     7.6  Minimum  Standards.  Affiliate  agrees  to  strictly  comply  with all
Experian  rules,  regulations,  policies,  standards  and  operating  procedures
related to the Experian  System and the use or sale of information  and Services
from the Experian System and the use and sale of the Direct Marketing  Services,
as such are  communicated  from  time to time to  Affiliate,  including  without
limitation the Key Account Program. Affiliate acknowledges receipt of Experian's
current Affiliate Policy.  Experian shall use its best efforts to give Affiliate
at least  thirty (30) days  advance  written  notice of any  material  change or
addition  to  such  rules,   regulations,   policies,   standards  or  operation
procedures.  If Affiliate  fails to comply,  Experian  shall have the right,  in
addition to any other  remedies  available to it, to charge  Affiliate on a time
and materials basis for all costs and expenses  reasonably  incurred by Experian
as a result of such  noncompliance.  Experian  shall have no  responsibility  to
Affiliate or liability  for not  providing to Affiliate any Services as a result
of  Affiliates  noncompliance.  Experian  agrees  that it will  not  arbitrarily
discriminate in favor of its own direct credit reporting  business when imposing
or applying those of its rules, regulations,  policies,  standards and operating
procedures related to the Experian System and the use or sale of information and
services from the Experian System that it provides to Affiliate.

Without limitation of the foregoing,  Affiliate  acknowledges that Experian is a
member  of the  Individual  Reference  Services  Group  ("IRSG").  Experian  has
provided Affiliate with a copy of the Industry Principles  developed by the IRSG
(the "IRSG Principles"). In the sale of Services hereunder,  Affiliate agrees to
comply with the IRSG Principles and Experian's policies on the implementation of
such principles developed from time to time, including,  without limitation, the
terms and  conditions  set forth on Annex A  attached  hereto  and  incorporated
herein by this reference.

                                    SECTION 8
                                  CROSS ACCESS

     8.1 Experian Cross Access Rights. Experian may sell to Experian Subscribers
on an  inquiry-by-inquiry  basis, credit information  contained in the Affiliate
Leased Data Base located under the: (i) current  input address in  consideration
of the  payment of the  applicable  Cross  Access  Charge set forth in Item 7 of
Exhibit B; and (ii) previous  input address  outside the Affiliate Zip Code Area
without payment of a Cross Access Charge.

     8.2  Affiliate  Cross  Access  Rights.  Affiliate  may  sell  to  Affiliate
Subscribers on an inquiry-by-inquiry  basis, credit information contained in the
Experian  Data Base located under the: (i) current input address upon payment of
the  applicable  Cross Access Charge  specified in Item 4 of Exhibit B; and (ii)
previous input address outside the Experian Zip Code Area without payment of the
Cross Access  Charge.  Access by  Affiliate is limited to data  contained in the
Affiliate  Leased  Data  Base,  Experian  Data Base and the data  bases of Other
Experian  Affiliates  to which  Experian  has  access.  Experian  shall have the
exclusive  right to set the cross access charge with Other  Experian  Affiliates
for access to the Affiliate Leased Data Base and Affiliate's  access to the data
bases  of the  Other  Experian  Affiliates.  Affiliate  agrees  to pay  all  the
Affiliate-to-Affiliate Administrative Fee and cross access charges applicable to
Affiliate's access to the data bases of Other Experian Affiliates.

                                       13
<PAGE>

     8.3 No Limitation.  Except as  specifically  set forth in Section 5.8, 7.6,
12.1 and 18 nothing  contained  herein  shall limit the rights of  Experian  and
Affiliate to select their own customers on whatever  terms they deem  advisable.
However,  Experian  shall be entitled  to all  revenues  from  Experian or Other
Experian  Affiliates  accessing  the  Affiliate  Leased  Data  Base,  except  as
specified in Item 7 of Exhibit B.

                                    SECTION 9
                                   TERMINATION

     9.1 Mutual  Termination.  This  Agreement  may be  terminated by the mutual
agreement of the parties at any time, but only by a written instrument signed by
a duly authorized representative of each of the parties.

     9.2 Termination for Insolvency. Notwithstanding any other provision in this
Agreement, either party may terminate this Agreement, and such termination shall
be automatically  effective upon delivery of notice, in the event that the other
party  hereto  (i)  ceases  to do  business  as a going  concern;  (ii)  becomes
insolvent, bankrupt or the subject of a receivership;  (iii) is unable or admits
in writing its  inability  to pay its debts as they  become  due;  (iv) makes an
assignment  for the benefit of  creditors  or enters into any  arrangement  with
creditors  in lieu  thereof;  (v)  authorizes,  applies  for or  consents to the
appointment  of a trustee or liquidator  of all or a substantial  portion of its
assets, or has a proceeding seeking such appointment  commenced against it which
is not  terminated  within ninety (90) days of such  commencement;  (vi) files a
voluntary  petition  under any bankruptcy or insolvency law or files a voluntary
petition under the reorganization or arrangement provisions of the United States
pertaining  to  bankruptcy  or other  similar  law of any  jurisdiction,  or has
proceedings  under  such laws  instituted  against  it which are not  terminated
within ninety (90) days of such commencement;  or (vii) has any substantial part
of its property subjected to any levy, seizure, assignment or sale for or by any
creditor or governmental agency without said levy,  seizure,  assignment or sale
being lifted,  released,  reversed or satisfied, as applicable,  within ten (10)
days.

     9.3  Termination  by Experian.  Affiliate  shall be in default and Experian
shall have the right,  in addition to any other right or remedy  available to it
at law or equity,  to terminate  this  Agreement  automatically  effective  upon
delivery of written notice to Affiliate,  in the event that (i) Affiliate  fails
to pay any amount due and payable to Experian  hereunder  and fails to cure such
nonpayment within ten (10) days after written notice that such amount has become
due and payable;  or (ii)  Affiliate  fails to comply with the  requirements  of
Section  12  relating  to  Affiliate's  compliance  with  all  applicable  laws,
regulations,  and ordinances applicable to it, and all Experian  interpretations
thereof and fails to cure such noncompliance within seventy-two (72) hours after
written notice describing the noncompliance; or (iii) Affiliate fails to perform
in any  material  respect  any other  obligation  required  to be  performed  by
Affiliate  hereunder  and fails to cure such  nonperformance  within thirty (30)
days after written notice that such obligation has not been  performed;  or (iv)
Affiliate fails to pay any amount due and payable to Experian hereunder or fails
to perform in any  material  respect any  obligation  hereunder  three (3) times
during  the  Term  of  the  Agreement,   whether  or  not  such  nonpayments  or
nonperformances are cured within the applicable time periods.  During the period
for  curing any  default,  Experian  shall  have the right to  suspend  services
provided hereunder;  provided, however, that if there exists a bona fide dispute
over the amount due Experian,  the parties shall endeavor to resolve the dispute
in good faith pursuant to Section 23.7 and Experian  shall not suspend  services
to Affiliate because of such dispute during such dispute resolution process.

                                       14
<PAGE>

     9.4  Termination  by Affiliate.  Experian shall be in default and Affiliate
shall have the right,  in addition to any other right or remedy  available to it
in law or equity,  to terminate  this  Agreement  automatically  effective  upon
delivery of written  notice to Experian,  in the event that Experian  materially
fails to  provide  credit  reporting  service  hereunder  and fails to cure such
nonperformance within thirty (30) days after written notice that such obligation
has not been performed. In addition, Affiliate shall have the right to terminate
this  Agreement if a price change results from an increase in costs to Experian,
and such price change in and of itself is the sole cause for  Affiliate to shift
from profit to loss on its credit reporting  operation,  and Affiliate  provides
Experian  thirty (30) days prior  written  notice  sent within  thirty (30) days
after the effective date of such price  increase.  Nothing herein shall prohibit
or restrict Experian from changing or eliminating any of the Services as long as
Experian  continues to provide some level of credit reporting  services and does
not  arbitrarily  discriminate in the change or elimination of Services in favor
if its own direct credit reporting business.

     9.5 Change in Affiliate Ownership. Affiliate shall give Experian sixty (60)
days prior written notice of any proposed sale, transfer or other disposition of
the assets,  business or stock of Affiliate or change in controlling interest in
or management  of Affiliate or its parent  company,  if any,  during the term of
this  Agreement.  Experian shall give Affiliate  written  notice,  not less than
thirty  (30) days  before the  scheduled  date of such sale,  transfer  or other
disposition  or change of its election to do one of the  following:  (i) approve
such sale, transfer, disposition or change, in which event this Agreement may be
assigned  to the  acquiring  party and shall  remain  in full  force and  effect
according to its terms;  (ii)  terminate  this  Agreement as of the date of such
sale,  transfer,  disposition  or change;  or (iii)  propose  entering  into new
contractual arrangements with the proposed buyer, transferee or new owner.

     9.6 Effect of  Termination.  No termination of this Agreement shall relieve
either party of any  liability  for monetary  sums due and payable to the other,
nor shall a termination preclude any other actions that might be taken by either
party at law or equity to enforce lawful obligations arising hereunder.  Nothing
in this Agreement shall limit, or be deemed to limit or affect, Experian's right
after  expiration or  termination of this Agreement to (i) collect for inclusion
in the Experian System  information on consumers  having a current address in an
area which was formerly Affiliate's Zip Code Area or (ii) contact,  market to or
sell  the  Services  or any  other  credit  reporting  services  to any  entity,
regardless  of whether  the names of such  entities  are  available  to Experian
through the Experian System and whether  Affiliate has a prior,  then current or
potential relationship with such entities. Affiliate hereby assigns to Experian,
effective  upon  expiration or  termination  of this  Agreement,  all agreements
between Affiliate and Affiliate Subscribers.

     Upon expiration or termination,  except as otherwise set forth herein, this
Agreement  and all rights  granted  hereunder to Affiliate  shall  automatically
terminate and Affiliate shall (i)  immediately and permanently  cease to operate
its business as an affiliate  credit bureau of Experian,  and cease to represent
to the public or hold itself out as a present or former  affiliate credit bureau
of Experian;  (ii)  immediately and permanently  cease using the Experian System
and Experian Network;  (iii) immediately and permanently  refrain from using any
marks  confusingly  similar to the Marks;  (iv) promptly pay all amounts due and
owing to  Experian;  and (v)  immediately  turn over to  Experian  all  manuals,
brochures and other materials provided by Experian relating to the Services, the
Experian System and the Experian Network.

                                       15
<PAGE>

                                   SECTION 10
                                BACK-UP DATA BASE

     10.1 Back-up of Data Base. Experian will maintain and store for safekeeping
computer-readable  backup records with respect to the Affiliate Leased Data Base
as incorporated  in the Experian  System in a manner  comparable to that used by
Experian in maintenance  and safekeeping of Experian's own back-up  records.  If
there is a loss or  destruction of the Affiliate  Leased Data Base,  restoration
thereof  will be made to the  extent  possible  from  the  back-up  records  and
Experian  will use its best  efforts to make such  restoration  as  promptly  as
possible.

                                   SECTION 11
                             RIGHT TO THE DATA BASE

     11.1  Ownership.  The  Affiliate  Leased  Data  Base  shall be the sole and
exclusive  property of Experian.  Upon any  expiration  or  termination  of this
Agreement,  or during any suspension of service,  Experian,  as exclusive owner,
may keep and use the  Affiliate  Leased Data Base without  contractual  or other
restriction or  limitation.  Upon  expiration or termination of this  Agreement,
Affiliate shall  immediately and permanently  cease use of the Affiliate  Leased
Data Base and provide to Experian any copies of the Affiliate  Leased Data Base,
or part thereof.

     11.2  Proprietary  Rights.  Nothing  contained in this  Agreement  shall be
deemed to give  Affiliate any copyright  interest,  proprietary  rights or other
claim  against  or  interest  in the  Experian  Network,  Experian  System,  the
Services,  Direct Marketing Services,  Experian Data Base, Affiliate Leased Data
Base or the  information  contained  therein.  Affiliate  shall not  acquire any
patent rights, copyright interest or other proprietary or ownership right, claim
or  interest  in the  computer  programs,  forms,  schedules,  manuals  or other
proprietary  items  utilized or provided by Experian to Affiliate or Affiliate's
Subscribers in connection with the credit reporting services rendered under this
Agreement. Experian shall use its best efforts to safeguard the Affiliate Leased
Data Base against unauthorized dissemination or use.

                                   SECTION 12
                           USE AND SERVICE LIMITATIONS

     12.1  Certification.  Experian and Affiliate each acknowledge that they are
subject to limitations with respect to the  dissemination  each is authorized to
make  of  credit  information  pursuant  to  certain  state  and  federal  laws,
including,  but not limited to the federal Fair Credit  Reporting Act, 15 U.S.C.
ss.1681 et. seq. Consistent with such obligations, Experian and Affiliate hereby
agree,  and each  certifies,  warrants and represents to the other,  that credit
reports of the other  party will be  requested,  used and  disseminated  only in
strict  conformity  with all  applicable  federal and state laws.  In  addition,
Affiliate  certifies,  represents and warrants to Experian that Affiliate  shall
comply with all federal, state and local laws, rules, regulations and ordinances
applicable to it and all Experian  interpretations thereof which Experian adopts
in good faith and notifies Affiliate of in writing.

                                       16
<PAGE>

     12.2 No  Reproduction  of Reports.  Each party  agrees not to  duplicate or
reproduce any single credit report,  obtained from the Experian System,  for the
purpose of selling or distributing  such a report or any  information  contained
therein to more than one user or customer.

                                   SECTION 13
                    RECIPROCAL COVENANTS AND INDEMNIFICATIONS

     13.1 No Accuracy Guarantee. Experian shall use its best efforts to transmit
to Affiliate  reliable and accurate  credit  information  from the Experian Data
Base. Experian does not warrant or guarantee that information  reported from the
Experian  System or in any Direct  Marketing  Services is accurate,  complete or
up-to-date.  Affiliate shall use its best efforts to provide or have provided to
Experian  reliable  and  accurate  credit  information  for  insertion  into the
Experian  System,  but  Affiliate  does  not  warrant  or  guarantee  that  such
information  is  accurate,  complete or  up-to-date.  Neither  party,  nor their
directors,  officers,  employees or agents, shall be liable to the other for any
loss or injury in  connection  with the  reporting  or  delivery  of such credit
information.

     13.2  Cross-Indemnification.  Each party shall indemnify and hold the other
harmless  from and  against  all costs  and  liabilities,  including  reasonable
attorneys'  fees, which are incurred by reason of any improper use by or through
it or its Subscribers of information contained in the other's data base.

                                   SECTION 14
                             LIMITATION OF LIABILITY

     14.1 Lost or  Destroyed  Data.  If  information  furnished  by Affiliate or
Affiliate  Subscribers to Experian for storage in the Affiliate Leased Data Base
is lost or destroyed,  the resulting  liability of Experian  shall be limited to
restoring  promptly the  information  through  back-up  records,  if  reasonably
possible.

     14.2 Experian System. Experian shall have no obligation or liability for or
on  account  of any  mechanical  or other  breakdown,  malfunction  or defect in
computer or other  equipment  or  facilities  or computer  programs  utilized by
Experian in its performance hereunder, except that Experian shall use reasonable
efforts in good faith to prevent  such  failure or to obtain its  correction  as
promptly as practical in light of the cause of the failure.

     14.3  Exclusion  of  Warranties.  EXCEPT AS  EXPRESSLY  SET  FORTH  HEREIN,
EXPERIAN MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION,
THE  WARRANTIES  OF  MERCHANTABILITY  AND FITNESS FOR A PARTICULAR  PURPOSE,  IN
CONNECTION WITH THIS AGREEMENT OR THE SERVICES.

                                       17
<PAGE>

     14.4  Exclusion  Of  Consequential   Damages.   NOTWITHSTANDING  ANY  OTHER
PROVISION IN THIS AGREEMENT, UNDER NO CIRCUMSTANCES SHALL EITHER PARTY BE LIABLE
TO THE OTHER FOR ANY  INCIDENTAL,  CONSEQUENTIAL,  SPECIAL OR  INDIRECT  DAMAGES
(INCLUDING,  WITHOUT LIMITATION,  ANY DAMAGES ARISING FROM THE LOSS OF BUSINESS,
DATA,  PROFITS OR GOODWILL)  INCURRED OR SUFFERED BY THAT PARTY BY REASON OF THE
OTHER PARTY'S  PERFORMANCE OR  NONPERFORMANCE  UNDER THIS AGREEMENT,  OR FOR ANY
OTHER REASON, EVEN IF APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES.

     14.5 Limitation of Liability.  NOTWITHSTANDING  ANY OTHER PROVISION OF THIS
AGREEMENT,  UNDER NO  CIRCUMSTANCES  WILL EITHER  PARTY HAVE ANY  OBLIGATION  OR
LIABILITY TO THE OTHER FOR ANY CLAIM,  INJURY OR DAMAGE RELATING TO, ARISING OUT
OF,  OR  RESULTING  FROM  THE  FURNISHING  OF  INFORMATION  TO THE  OTHER  PARTY
HEREUNDER.

                                   SECTION 15
                                   PUBLICITY

     15.1  Advertising.  Neither  party shall release any  advertising  or other
verbal or written  public  statement or publicity  concerning  this Agreement or
such party's  performance  hereunder without obtaining the prior written consent
of the other party, which consent shall not be unreasonably withheld.

     15.2 Release of Information. The parties will hold the terms and conditions
of this  Agreement  in  confidence  and neither  party  will,  without the prior
consent of the other  party,  disclose any of the terms and  conditions  of this
Agreement,  to any other person  except as may be necessary in order for a party
to enforce its rights  hereunder  or as may be required  by law,  regulation  or
order of a court of competent  jurisdiction;  provided,  however,  that Experian
shall have the right to disclose the terms and  conditions to any third party as
long as Experian does not specifically identify Affiliate as the party with whom
Experian has such  agreement.  Notwithstanding  the foregoing,  either party may
disclose the terms and  conditions of this  Agreement to (i)(A) its  independent
legal  counsel;  (B) a financial  institution  with whom that party is seeking a
banking relationship,  or (C) its outside independent accountants;  or (ii) to a
person  or  entity  in  connection  with a  proposed  sale,  transfer  or  other
disposition of the assets,  business,  stock or other interest in that party, as
long as in each case such  person or entity has entered  into a  confidentiality
agreement in a form acceptable to Experian.

                                       18
<PAGE>

                                   SECTION 16
                                   INSURANCE

     16.1  Coverage  Requirements.  Each  party  shall,  during the term of this
Agreement,  maintain  in full  force and  effect,  at its  expense,  a  standard
comprehensive general liability insurance policy, with customary deductions,  or
self-insurance,  providing  coverage  of at least  three  hundred  thousand/five
hundred  thousand  dollars  ($300,000/$500,000)  for bodily injury,  two hundred
thousand  dollars  ($200,000)  for  property  damage  and  one  million  dollars
($1,000,000)  for other  liability in the nature of  defamation or violations of
credit  reporting  laws or invasion of privacy.  Upon request,  each party shall
furnish the other with  certificates of such insurance and evidence of renewals.
The purchase of such insurance shall not be deemed to constitute satisfaction of
the indemnity obligations contained in Section 13.

                                   SECTION 17
                         TRADEMARK AND COPYRIGHT LICENSE

     17.1 Ownership.  Experian is the owner of all right,  title and interest in
and to (i) various  trademarks  and service marks  ("Marks") as are obtained and
owned by Experian  and used in  conjunction  with its offer or sale of goods and
services  pursuant to this Agreement;  and (ii) copyrights on the forms or other
written materials associated with such goods and services ("Copyrights").  It is
expressly  agreed  and  acknowledged  by  Affiliate  that all  right,  title and
interest in and to the "Experian" name and mark, and related goodwill throughout
the world and all other  Marks and  Copyrights  shall be the sole and  exclusive
property of Experian.  No license or right to use the Experian  name or mark, or
any other Mark or  Copyright  is  granted  or  conferred  to  Affiliate  by this
Agreement.   Notwithstanding  the  foregoing,  Affiliate  may  indicate  in  its
advertising that it is a credit bureau "serviced by" Experian.

     17.2 Control of Services  Bearing Marks.  Experian has the right to control
the nature and quality of all goods and  services on which the Marks may be used
by prescribing and setting reasonable  standards,  specifications and procedures
for the production of goods and services  bearing the Marks and the  preparation
of advertising and promotional material in connection  therewith.  Experian also
reserves the right, at any reasonable time, with or without notice, to enter and
inspect any  premises  on which the goods and  services,  or any related  items,
bearing  the  Marks  are  produced  to  verify   adherence  to  such  standards,
specifications or procedures.

     17.3 Affiliate Name. Affiliate shall not use the "Experian" name or mark or
any of the other Marks in its  corporate  name in  connection  with its offer or
sale of goods or services, or for any other purpose.

     17.4 Notice of Infringement. If Affiliate becomes aware of any infringement
by others of any Marks or Copyrights,  it shall promptly notify Experian thereof
and  assist  Experian  in  enforcing  the rights of  Experian  in such Marks and
Copyrights.

                                       19
<PAGE>

                                   SECTION 18
                                NATIONAL ACCOUNTS

     18.1 Experian  Appointment.  Without limitation of Experian's rights in and
to the Affiliate  Leased Data Base as set forth herein,  Experian shall have the
exclusive  worldwide right to sell consumer credit information  services derived
from the Affiliate Leased Data Base to National  Accounts,  which are defined as
end-user  subscribers that Experian has reason to believe will buy more than two
hundred thousand (200,000) credit reports or an aggregate of Seven Hundred Fifty
Thousand Dollars  ($750,000) of Services or Direct Marketing  Services per year,
and who desire single preamble access,  single monthly billing and single annual
contracts covering the purchase of such services ("National Accounts").

     18.2 Affiliate Royalties.  For each Inquiry Response provided to a National
Account  which  comes from a file  stored  under a  consumer's  current  address
located in the Affiliate Data Base,  Affiliate will receive the amount set forth
in Item 6 of Exhibit B per  Inquiry  Response  received  by  Experian.  No Cross
Access Charges shall be paid with respect to such Inquiry Responses.

                                   SECTION 19
                                 CONFIDENTIALITY

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

                                   SECTION 20

                                EXCUSABLE DELAYS

     20.1  Excusable  Delays.  Neither  party  shall be liable  for any delay or
failure in its  performance  of any of the acts required by this  Agreement when
such delay or failure arises beyond the reasonable  control of such party.  Such
causes may include,  without  limitation,  acts of God or public enemies,  labor
disputes, material or component shortages,  computer downtime, software defects,
supplier  failures,  embargoes,  rationing,  acts of  local,  state or  national
governments or public  agencies,  utility or  communication  failures or delays,
fire, flood,  epidemics,  riots and strikes. The time for performance of any act
delayed  by such  causes  shall be  postponed  for a period  equal to the delay;
provided,  however,  that the party so affected  shall give prompt notice to the
other party of such delay.  The party so affected,  however,  shall use its best
effort  to avoid  or  remove  such  causes  of  nonperformance  and to  complete
performance of the act delayed whenever such causes are removed.

                                       20
<PAGE>

                                   SECTION 21
                                   ASSIGNMENT

     21.1  Assignment by  Affiliate.  Affiliate  will not assign this  Agreement
(including  without  limitation the assignment of any rights or obligations to a
subcontract  bureau  operating in  Affiliate's  Zip Code Area) without the prior
written consent of Experian,  which consent shall not be unreasonably  withheld.
Affiliate will not,  directly or indirectly,  provide or agree to provide to any
Other  Experian  Affiliate  any of the  services  which are provided by Experian
hereunder.  Nothing in this  Section  21.1  shall be deemed to limit  Experian's
rights pursuant to Section 9.5 with respect to the matters addressed therein.

     21.2 Assignment by Experian. Experian will not assign this Agreement or the
performance of services  called for hereby without the prior written  consent of
Affiliate, which consent shall not be unreasonably withheld;  provided, however,
that upon written notice,  Experian may assign this Agreement without consent to
a company which is the parent of Experian,  to another subsidiary of such parent
in which the parent owns at least  eighty  percent  (80%) of the voting  capital
stock,  or to a subsidiary  of Experian in which  Experian  owns at least eighty
percent (80%) of the voting  capital  stock,  or in  connection  with any merger
(including  but  not  limited  to any  reincorporation  merger),  consolidation,
reorganization,  stock exchange, sale of stock, sale of all or substantially all
of the assets of the business to which this Agreement  relates or any similar or
related  transaction  in which  Experian is the surviving  entity or, if not the
surviving  entity,  the  surviving  entity  continues to conduct the business to
which this Agreement relates.

                                   SECTION 22
                                 RIGHT TO AUDIT

     22.1  Affiliate  Audits.  Affiliate  will have the  right to audit,  at its
expense (including any cost to Experian  associated with any special processing)
and upon  reasonable  written  notice,  at a mutually  agreeable time and place,
through an  independent  certified  public  accountant  acceptable  to Experian,
Experian  records to determine  whether the fees and charges to Affiliate are in
accordance herewith, subject to the provisions of Section 6.2 hereof.

     22.2  Experian  Audits.  Experian  shall  have the right to  audit,  at its
expense and upon  reasonable  written  notice,  Affiliate's  books,  records and
operations to determine  and confirm  Affiliate's  compliance  with the terms of
this Agreement.  Such audit shall take place at Affiliate's  offices, or at such
other locations as may be agreed to by the parties.

     22.3  Physical  Inspections.  Each party will have the right,  upon written
notice, to visit the other party's premises and make reasonable  periodic checks
of the facilities and equipment which are the subject matter of this Agreement.

                                       21
<PAGE>

                                   SECTION 23
                                  MISCELLANEOUS

     23.1 Independent  Status Of Parties.  Nothing  contained in this Agreement,
nor in the  relationship  created  thereby,  shall be  interpreted to evidence a
joint venture,  partnership or (except to the limited extent provided in Section
3.8 hereof)  principal/agent  relationship  as between  Experian and  Affiliate.
Neither party shall have any right or authority to act for, or to assume, create
or incur any  obligation,  liability  or  responsibility  of any  kind,  whether
express or implied,  against,  in the name of, or on behalf of, the other party.
Except as set forth herein, Affiliate shall be fully independent in its business
operations.  Affiliate shall be and remain fully responsible for such matters as
Affiliate-Affiliate Subscriber relationships and interfaces,  marketing, product
pricing, maintenance of office facilities and employment policies.

     23.2  Waiver.  The  waiver  by  one  party  of  any  covenant,   condition,
obligation,  representation,  warranty  or promise in this  Agreement  shall not
invalidate  this  Agreement  or be  deemed a waiver  by such  party of any other
covenant, condition, obligation, representation,  warranty or promise. A failure
or delay of either party to enforce any of the  provisions of this  Agreement or
to require  performance  of any  provisions  shall in no way be  construed  as a
waiver of such  provisions,  except as  specifically  provided  in  Section  6.2
hereof.  The rights and remedies  provided  each of the parties  herein shall be
cumulative  and in addition to any other rights and remedies  provided by law or
otherwise.

     23.3 Notices. All notices and other communications required or permitted to
be given or  delivered  under this  Agreement  shall be in writing  and shall be
effective when delivered personally, or by confirmed facsimile, electronic mail,
overnight express mail or, if mailed,  five (5) days after mailing registered or
certified mail,  return receipt  requested,  postage  prepaid,  addressed to the
other party at their  respective  addresses set forth below,  unless by notice a
different  address shall have been designated for giving notice  hereunder.  Any
other notice shall be deemed given when received.

If to Experian, then to:         Experian Information Solutions, Inc.
                                 505 City Parkway West
                                 Orange, California 92868
                                 Attention: Affiliate Relations

Copy to:                         Experian Information Solutions, Inc.
                                 505 City Parkway West
                                 Orange, California 92868
                                 Attention: General Counsel

If to Affiliate, then to:        Factual Data
                                 5200 Hahns Peak Drive
                                 Loveland, Colorado 80538
                                 Attention: President

                                       22
<PAGE>

     23.4  Reformation and  Severability.  If any provision of this Agreement is
declared invalid by any arbitrator or court of competent jurisdiction, then such
provision  shall be  automatically  adjusted to the minimum extent  necessary to
conform to the  requirements  for  validity  as declared at such time and, as so
adjusted,  shall be deemed a provision of this  Agreement  as though  originally
included herein. In the event that the provision invalidated is of such a nature
that it cannot be so adjusted without materially and substantially  altering the
rights and duties hereunder and fundamentally depriving one party of the benefit
of the  bargain  (taken as a whole)  contemplated  by this  Agreement,  then the
parties  will seek to reform this  Agreement  through  the  process  outlined in
Section  23.7 so as to restore as nearly as  possible  the  parties'  respective
rights,  duties and bargain.  If for any reason, the process outlined in Section
23.7 is not completed within the timeframes set forth therein,  either party may
terminate  this Agreement on thirty (30) days prior written notice to the other.
Unless this  Agreement  is  terminated  as provided in the prior  sentence,  the
remaining provisions of this Agreement shall remain in effect.

     23.5 Survival. The provisions of Sections 6, 9.6, 11, 12.1, 13, 14, 15, 17,
19, 22, 23.2,  23.3,  23.4,  23.5,  23.6,  23.7, 23.8 and 23.10 will survive the
expiration or termination of this Agreement.

     23.6 Parties in Interest.  Nothing in this  Agreement,  whether  express or
implied,  shall (i) confer  upon any person,  other than the parties  hereto and
their  respective  heirs,  representatives,  agents,  successors  and  permitted
assigns,  any  benefits,  rights or  remedies;  (ii)  relieve or  discharge  the
liability of any other party;  or (iii) give any entity any right of subrogation
against or action over either  party.  Nothing in this  Agreement is intended to
grant to either  party any rights  over and  against the other in respect of any
lawsuit or other proceeding  brought under any state or federal credit reporting
statute,  libel, slander or other common law theories,  except as explicitly set
forth herein. Neither party will cross-complain against the other in any lawsuit
brought by a third party without first giving the other party hereto thirty (30)
days written notice.

     23.7 Dispute  Resolution.  If the parties should have any material  dispute
arising out of or relating to this  Agreement or the parties  respective  rights
and  duties  hereunder,  then the  parties  shall  resolve  such  dispute in the
following manner:

          (a)  Notice.  Either  party  may at any time  deliver  to the  other a
     written  dispute notice setting forth a brief  description of the issue for
     which such notice initiates the dispute resolution  mechanism  contemplated
     by this Section.

          (b)  Representatives  Meet. During the sixty (60) day period following
     the delivery of the notice  described in subsection (a) above,  appropriate
     representatives  of both parties will meet and seek to resolve the disputed
     issue through negotiation.

          (c) Arbitration.  If the  representatives of the parties are unable to
     resolve the disputed issue through negotiation, then within the thirty (30)
     days after the period  described in  subsection  (b) above,  at the written
     request of either party,  such dispute shall be referred to an  arbitration
     in which each party shall  participate  in accordance  with the  Commercial
     Arbitration Rules of the American Arbitration  Association except (i) there
     shall be one (1)  arbitrator  who is an  attorney  knowledgeable  about the
     consumer credit reporting  industry;  (ii) all discovery shall be concluded
     within ninety (90) days of serving of the notice of arbitration;  and (iii)
     the arbitration  proceedings  shall be held within one hundred eighty (180)
     days after serving of the notice of arbitration and payment of the expenses
     of the  arbitration,  including but not limited to the parties'  legal fees
     and the arbitrator's  fee, shall be assessed by the arbitrator based on the
     extent to which  each  party  prevails.  Arbitration  proceedings  shall be
     conducted  in Orange  County,  California  if the dispute  was  referred to
     arbitration at the written request of Affiliate, and in the county in which
     Affiliate's  place of  business  is  located  (as  identified  in the first
     paragraph of this  Agreement) if the dispute was referred to arbitration at
     the  written  request of  Experian.  The award of the  arbitrator  shall be
     binding,  and  judgment  upon the award may be entered in any court  having
     jurisdiction.

                                       23
<PAGE>

          (d)  Exceptions.  Notwithstanding  the  foregoing,  Experian  shall be
     entitled  to pursue an action at law or in equity to prevent  or  terminate
     any breach of Section 17 (relating to Experian's  Marks and Copyrights) and
     to seek injunctive relief or take such other action as it deems appropriate
     in the event that  Affiliate  breaches  Section 12 (relating to Affiliate's
     failure to comply with applicable laws, rules, regulations,  ordinances and
     Experian  interpretations  thereof) or  Sections  15.2 or 19  (relating  to
     publicity and confidentiality).

     23.8 Successors and Assigns. This Agreement shall be binding on the parties
and to their respective legal successors and permitted assigns.

     23.9  Incorporation  By  Reference.  The  exhibits  and  schedules  to this
Agreement  and  Experian's  written  policies  from time to time  constitute  an
integral part of this Agreement and are hereby  incorporated into this Agreement
by this  reference.  In the event of any conflict or  inconsistency  between the
language of this  Agreement  and the language of any exhibit or schedule to this
Agreement  or any such written  policy,  the  language of this  Agreement  shall
control.

     23.10  Applicable  Law. This Agreement is deemed to be made and executed in
the State of California and the laws and decisions of California (without regard
to the  choice of laws  principles  thereof)  shall  control  the  construction,
interpretation, validity and enforcement of this Agreement, except to the extent
that federal law or regulations may control.

     23.11 Contract in Entirety.  This Agreement supersedes all prior agreements
and all contemporaneous  agreements not required or contemplated hereby, whether
oral or written, and all representations, warranties, negotiations, undertakings
and  understandings  of and between the parties with respect to the same subject
and is the entire  agreement of the parties  with respect to the subject  matter
hereof. This Agreement may not be modified,  supplemented or amended except by a
writing signed by an authorized representative of each of the parties.

     23.12  Headings.  The headings and captions in this  Agreement are inserted
only for  purposes of reference  and  convenience  and in no way define,  limit,
extend or otherwise  affect the meaning or  interpretation  of this Agreement or
the intent of any provisions hereof.

     23.13  Counterparts.  This  Agreement  may  be  executed  in  one  or  more
counterparts,  simultaneously or separately. Each counterpart shall be deemed to
be an original for all purposes and all  counterparts  shall  constitute one and
the same instrument.

                                       24
<PAGE>

                               [Signatures follow]

<PAGE>

     IN WITNESS WHEREOF,  the parties hereto, each acting with proper authority,
have duly  executed  this  Agreement  as of the  Effective  Date first set forth
above.

Experian Inc.                                                 FACTUAL DATA CORP.
By and Through Its                                            Name of Affiliate
Consumer Information Services Division

By: /s/  Terry L. McComas                    By:    /s/ J. H. Donnan
    -------------------------                       --------------------
    Signature                                       Signature

Name: Terry L. McComas                     Name:  /s  J.H. Donnan
      -----------------------                     -----------------
      Type or Print                               Type or Print

Title: Sr. Vice President                 Title:  Chief Executive Officer
      -----------------------                     -----------------------
       Type or Print                              Type or Print

                                       26
<PAGE>

                                    EXHIBIT A

SERVICES

         Inquiry Responses (Base Credit Profile Report)

         Ancillary Services
         FACS Hit
         FACS Inquiry
         Direct Check
         Risk Models
         Profile Summary
         FICO Score
         Experian Score
         Collect Score
         Custom Risk
         Recovery Score
         Credit Trends
         Bundled Products
         ----------------
            Profile Analysis
            Expert Analysis
            Risk Analysis
            Premier Analysis

         Demographics
         ------------
           Drivers License
           Telephone
           Geo Code
           Homeowner
           New Consumer Identifier

         Additional Services
         Social Search
         Employment Insight
         Collection Report
         Connect Check
         Connect Check Plus
         Skip Locator
         Address Update
         ID Profile
         Prescreen
         Quest
         Easy Prescreen
         Signal
         Extract
         Credit Scoring/Modeling
         Historical Validation

         Direct Marketing
         List Sales/ List Hygiene
         Computer Services

                                 Exhibit A - 1
<PAGE>

                                    EXHIBIT B
<TABLE>
<CAPTION>

ITEM 1 AFFILIATE SYSTEM FEES                                                               PRICE
----------------------------                                                             -----------
<S>                                         <C>                                          <C>
                                            Revenue Transfer Fee (3.1.1) Note:Fee        $187,506.00
                                            Base is adjusted as follows:
                                            Year 1                                       $137,506.00
                                            Year 2                                       $137,506.00
                                            Year 3                                       $227,839.33
                                            Year 4                                       $229,856.00
                                            Year 5                                       $231,872.67

                                            Inquiry Response Fee (5.1) Note: See         $      0.60
                                            Section 5.1 for special provision.
                                            Inquiry Response Fee Surcharge (5.1)         $      0.75
                                            Consumer Relations Inquiry Fee               $      0.00
                                            Network/Communications/Equip. (5.4)          $       TBD
                                            Other Charges (5.5)                          $      0.00
                                            Administrative Allowance (5.6)

ITEM 2 ANCILLARY SERVICE FEES (5.2.2)       FACS Hit                                     $      0.47
-------------------------------------
                                            FACS Inquiry                                 $      0.09
                                            Direct Check                                 $      0.14
                                            Profile Summary                              $      0.08
                                            FICO Score                                   $      0.18
                                            Experian Score                               $      0.13
                                            Collect Score                                $      0.40
                                            Custom Risk                                  $      0.13
                                            Recovery Score                               $      0.13
                                            Credit Trends                                $      0.25
                                            Bundled Products:
                                            -----------------
                                              Profile Analysis                           $      0.19
                                              Expert Analysis                            $      0.28
                                              Risk Analysis                              $      0.27
                                              Premier Analysis                           $      0.41
                                            Demographics:
                                            -------------
                                              Drivers License                            $      0.09
                                              Telephone                                  $      0.09
                                              Geo Code                                   $      0.03
                                              Homeowner                                  $      0.04
                                              Bundled                                    $      0.09
                                              New Consumer Identifier                    $      0.16

ITEM 3 ADDITIONAL SERVICE FEES (3.7)
------------------------------------
                                            Social Search                                $      0.50
                                            Employment Insight                           $      1.90
                                            Collection Report                            $      0.55
                                            Collection Report (subscriber outside        $      1.00
                                            Connect Check                                $      0.65
                                            Connect Check Plus                           $      1.00
                                            Skip Locator                                 $      0.70
                                            Address Update                               $      0.60
                                            ID Profile                                   $      0.50

</TABLE>

                                 Exhibit B - 1
<PAGE>

<TABLE>
<CAPTION>

ITEM 4 AFFILIATE CROSS ACCESS FEES(5.7)                                                    PRICE
---------------------------------------                                                  -----------
<S>                                         <C>                                          <C>
                                            Standard Cross Access Fee                    $      0.55
                                            Affiliate to Affiliate Admin Fee             $      0.05
                                            Reseller Cross Access Fee                    $      1.40
                                            Collection Report                            $      0.30
                                            Consumer Direct Cross Access Fee             $      1.20

ITEM 5 CROSS MARKETING FEES (5.8)
---------------------------------
                                            Cross Marketing Fee                          $      1.75

ITEM 6 AFFILIATE ROYALTIES (5.12/18.2)
--------------------------------------
                                            National Accounts (18.2)                     $      0.05
                                            Prescreen/Quest (5.12)                            0.0005

ITEM 7 EXPERIAN CROSS ACCESS (8.1)
----------------------------------
                                            Cross Access Fee                             $      0.10
                                            Reseller Fee                                 $      0.10
                                            ADP                                          $      1.75
                                            Suburban Propane                             $      1.50
                                            Consumer Direct Cross Access Fee             $      0.10

ITEM 8 BASE INQUIRY VOLUME (3.1.3/3.1.4)
---------------------------------------
                                            Inquiry Response Volume                        1,232,888

</TABLE>

                                 Exhibit B - 2
<PAGE>

                                    EXHIBIT C

                     PREAMBLE: BCOA           NAME: COLORADO

                        ZIP RANGES ZIP RANGES ZIP RANGES

              80001 - 80019   80021 - 80024   80133 - 80300
              80028 - 80115   80120 - 80131   80439 - 80439
              80305 - 80320   80401 - 80419   80601 - 80601
              80000 - 80000   80116 - 80119   80321 - 80400
              80420 - 80436   80438 - 80438   80440 - 80454
              80456 - 80465   80467 - 80470   80472 - 80480
              80482 - 80500   80503 - 80509   80511 - 80511
              80518 - 80519   80527 - 80529   80531 - 80531
              80552 - 80600   80602 - 80609   80613 - 80614
              80616 - 80619   80626 - 80630   80635 - 80638
              80640 - 80640   80655 - 80700   80702 - 80719
              80724 - 80725   80748 - 80748   80752 - 80753
              80756 - 80756   80760 - 80800   80802 - 80811
              80813 - 80821   80823 - 80823   80825 - 81500
              81502 - 81519   81522 - 81525   81527 - 81699
              80020 - 80020   80025 - 80027   80132 - 80132
              80301 - 80304   80437 - 80437   80455 - 80455
              80466 - 80466   80471 - 80471   80481 - 80481
              80501 - 80502   80510 - 80510   80512 - 80517
              80520 - 80526   80530 - 80530   80532 - 80551
              80610 - 80612   80615 - 80615   80620 - 80625
              80631 - 80634   80639 - 80639   80641 - 80654
              80701 - 80701   80720 - 80723   80726 - 80747
              80749 - 80751   80754 - 80755   80757 - 80759
              80801 - 80801   80812 - 80812   80822 - 80822
              80824 - 80824   81501 - 81501   81520 - 81520
              81521 - 81521   81526 - 81526

                                 Exhibit C - 1

<PAGE>

                                     ANNEX A

                            IRSG TERMS AND CONDITIONS

     WHEREAS,  certain  non-permissible  purpose,  identification-only  products
available to Affiliate through Experian constitute individual reference products
under the IRSG Principles ("Reference Products"); and

     WHEREAS,  it is in the best  interests  of both  Affiliate  and Experian to
implement the IRSG  Principles  and Affiliate  and Experian  mutually  desire to
amend the  Agreement  in order to  implement  the IRSG  Principles  as set forth
herein;

     NOW, THEREFORE,  in consideration of the foregoing and subject to the terms
and conditions set forth herein, the parties hereto mutually agree as follows:

     1.  Affiliate   shall  comply  with  and  implement  all  applicable   IRSG
Principles, in the manner set forth herein.

     2.  Affiliate   acknowledges  receipt  of  Experian's  description  of  its
information   collection   policies  and  procedures.   If  Affiliate   utilizes
information  from other sources,  Affiliate shall acquire such  information from
sources  known as  reputable  in the  government  and private  sectors and shall
employ  reasonable  measures  to  understand  each  information   source's  data
collection practices and policies before accepting information from that source.

     3. When contacted by an individual or its subscribers concerning an alleged
inaccuracy about an individual,  or a request for name removal,  Affiliate shall
disclose  to the  individual  or  subscriber,  if the source is  Experian,  that
Experian is the source of the information and where the request may be directed.

     4.  Affiliate  shall provide  information  to its  subscribers  strictly in
compliance with Principle V of the IRSG  Principles.  Without  limitation of the
foregoing, Affiliate shall conduct a reasonable investigation of its subscribers
and potential  subscribers and such subscribers'  intended uses of the Reference
Products. Affiliate's investigation will include at a minimum all of the actions
listed on the "IRSG End User Qualification  Requirements"  form, a copy of which
is attached hereto, before giving a subscriber access to the Reference Products.
Affiliate  shall  also  require  subscribers  desiring  access to any  Reference
Products designated by Experian as coming under Section V.A. or V.B. of the IRSG
Principles to state their appropriate uses of the Reference Products,  and shall
provide the  Reference  Products only to those  subscribers  whose uses meet the
requirements set forth in the "Appropriate Use Parameters" form, a copy of which
is  attached  hereto.  Experian  shall  have the  right to  revise  any end user
qualification  requirements and appropriate use parameters,  and Affiliate shall
comply with such  revised  policies on thirty (30) days  written  notice of such
change.  Affiliate  agrees to provide to Experian upon request all materials and
information   relating  to  its  investigations  of  its  subscribers  and  such
subscriber's  proposed uses of the Reference  Products.  Affiliate shall present
any proposed use of Reference Products or type of subscriber not included in the
Appropriate  Use Parameters  form to Experian for approval of such subscriber or
use prior to granting  access to the Reference  Products.  Experian may withhold
such approval in its sole discretion.

                                  Annex A - 1
<PAGE>

     Affiliate  shall  not make any  Reference  Product  available  directly  or
indirectly for general  distribution as contemplated under Item V.C. of the IRSG
Principles.

     Affiliate  shall be responsible for removing or blocking any data contained
in Reference Product to which it may have access,  the dissemination of which to
a given  subscriber  is prohibited in any way by this Addendum or Principle V of
the IRSG Principles.

     5.  Affiliate  will  enter  into  written  agreements  executed  by each of
Affiliate's  subscribers  requiring  compliance  by such  subscribers  with  the
applicable  terms and conditions of Principle V of the IRSG  Principles and this
Addendum.  Affiliate will monitor its  subscribers on an ongoing basis to assure
the continued  compliance with the applicable  requirements of this Addendum and
Principle V of the IRSG  Principles  and will  discontinue  the  Services to any
subscriber who is not in compliance (after a reasonable opportunity to cure such
noncompliance  for a period of not more than thirty (30)  days).  Upon  request,
Affiliate shall provide to Experian a description of all measures and mechanisms
implemented by Affiliate to assure that qualified  subscribers use the Reference
Products  in  accordance  with this  Addendum  and  applicable  requirements  of
Principle  V of the IRSG  Principles  and shall  remedy  any and all  subscriber
abuses of  information  using  such  measures  and  mechanisms.  Affiliate  will
implement any measures or mechanisms  reasonably requested by Experian from time
to time in such regard.

     Affiliate  will sell  Reference  Products for resale only to entities which
have  adopted  or  agreed to comply  with the IRSG  Principles  and on terms and
conditions consistent with this Addendum and the IRSG Principles.

     6. Affiliate  shall  maintain a record of the identity of its  subscribers,
the types of uses, and the terms and conditions agreed to by its subscribers for
three (3) years after the termination of each of its  subscribers'  relationship
with the Affiliate.

     7.  Affiliate  shall  maintain  complete  and  accurate  books and  records
relating to its and its subscribers' compliance with this Addendum and Principle
V of the IRSG Principles.  Experian,  or any representative it designates,  will
have the right to  examine  and copy or make  extracts  from all such  books and
records and any source documents used in preparation thereof, at any time during
normal business hours, provided Experian gives Affiliate written notice at least
three (3) business days prior to any such examination.

     8. In the  event  of a  material  breach  of any term of this  Addendum  or
Principle  V of the IRSG  Principles,  Affiliate  shall  have  thirty  (30) days
following  written  notice from  Experian to cure breach.  If such breach is not
cured within thirty (30) days, unless written notice requesting an extension has
been provided to Experian and Experian has approved such extension, Experian may
terminate Affiliate's access to Reference Products.

     In addition, Experian may terminate access to Reference Products on fifteen
(15) days written notice to Affiliate in the event that  Affiliate's  use of any
Reference  Product is (a) the  subject of  material  adverse  consumer  reaction
related to consumer privacy issues, or (b) the subject of material litigation by
any governmental agency.

                                  Annex A - 2
<PAGE>

     9. Affiliate shall maintain  facilities and systems to protect  information
from  unauthorized  access and access in excess of authorized levels in a manner
reasonably  acceptable to Experian.  Such methods shall include (i) physical and
electronic security,  (ii) use of appropriate  confidentiality  agreements with,
and  supervision  of,  employees  and  contractors,  and (iii) system  review at
appropriate  intervals to assure that  employees  are  complying  with  policies
("Security  Measures").  Affiliate will, upon reasonable  request,  from time to
time  provide to  Experian  written  description  of its  implementation  of its
Security  Measures as they apply to the use of the  Reference  Products and will
undertake any action reasonably  requested by Experian  necessary to improve its
Security Measures.

     10.  Affiliate shall have an information  practices  policy  statement that
describes  what  information  it has, the source of such  information,  types of
entities  to whom  it may be  disclosed,  types  of  uses  to  which  it is put,
procedures for the individual to opt-out, contact information,  and how security
of its  information is handled,  and shall make its policy  statement  available
upon request.  Consumers shall be notified about these practices in various ways
such as: Web sites, advertisements, or company or industry-initiated educational
efforts.

     11. Affiliate shall, upon request, inform an individual about the nature of
Public Record and Publicly  Available  Information  (each as defined in the IRSG
Principles) that it makes available in its products and services and the sources
of such information.

     12.  Affiliate  shall  provide  access to the  services  through  which any
Reference  Product is  disseminated  to Experian at no charge for the purpose of
verifying the Reference  Product  provided and Affiliate's  compliance with this
Addendum and  Principle V of the IRSG  Principles.  Affiliate  shall provide all
software and other materials necessary for such access at no charge.

     13. All terms and conditions of the Agreement not specifically addressed in
this Addendum shall remain unchanged and in full force and effect.  The terms of
this  Addendum  shall  prevail in the event of any  inconsistency  between  this
Addendum and the Agreement relating to Reference Products. All terms not defined
herein beginning with an initial capital letter shall have the meaning set forth
in the  Agreement.  This  Addendum  and  the  Agreement  set  forth  the  entire
understanding  of the  parties  with  respect to the subject  matter  hereof and
supersede to the extent  indicated  all prior  agreements,  letters,  covenants,
arrangements,  communications,  representations and warranties,  whether oral or
written, by any employee, officer or representative of either party.

                                  Annex A - 3

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