Document:

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                                  EXHIBIT 4.10

                         Texas Regional Bancshares, Inc.
                        2002 Incentive Stock Option Plan

<PAGE>

                         TEXAS REGIONAL BANCSHARES, INC.

                        2002 INCENTIVE STOCK OPTION PLAN

      Texas Regional Bancshares, Inc., a Texas corporation (hereinafter called
the "Corporation") believes that allowing certain key employees to obtain shares
of the Class A Voting Common Stock of the Corporation through the use of stock
options hereinafter provided for will be beneficial to the initial and continued
success of the Corporation. In furtherance of the foregoing, the Corporation
hereby establishes the Texas Regional Bancshares, Inc. 2002 Incentive Stock
Option Plan (the "Plan").

      1. PURPOSE. The purpose of the Plan is to secure for the Corporation and
its stockholders the benefits which flow from providing key employees of the
Corporation and its subsidiaries with the incentive inherent in common stock
ownership. It is generally recognized that stock option plans aid in retaining
competent employees and furnish a device to attract employees of exceptional
ability to the Corporation because of the opportunity offered to acquire a
proprietary interest in the business. For purposes of the Plan, a subsidiary is
any corporation in which the Corporation owns, directly or indirectly, stock
possessing fifty percent (50%) or more of the total combined voting power of all
classes of stock or over which the Corporation has effective operating control.
The Corporation intends that any stock option granted or exercised under this
Plan qualify as an "incentive stock option" which is given favorable income tax
treatment under Section 422 of the Internal Revenue Code of 1986, as amended
from time to time, and pertinent regulations.

      2.    AMOUNT OF STOCK.

            (a) The total number of shares of Class A Voting Common Stock to be
      subject to options granted pursuant to the Plan shall not exceed one
      hundred thousand (100,000) shares of the Corporation's Class A Voting
      Common Stock (hereinafter referred to as the "Common Stock" or the
      "Stock") each having a par value of $1.00.

            (b) In the event of (i) stock dividends, stock splits, or
      subdivisions, combinations or reclassifications of the Stock, or (ii) the
      merger or consolidation of the Corporation with any other business entity,
      the sale of all or substantially all of the Corporation's assets, the
      liquidation or dissolution the Corporation, or any other form of corporate
      reorganization or other similar capital change, the number and kind of
      shares of stock of the Corporation described in the Plan or to be granted
      under the Plan, the number and kind of shares of stock of the Corporation
      subject to options then outstanding under the Plan, the maximum number of
      shares for which options may be issued under the Plan, the option price
      and other relevant provisions shall be appropriately adjusted. The
      determination of the Board of Directors, or the Committee appointed by the
      Board as herein provided, as to any dispute related to adjustments shall
      be binding on all persons.

<PAGE>

            (c) In the event that options granted under this Plan shall expire,
      terminate unexercised or otherwise lapse without being exercised in whole
      or in part, the shares covered by the unexercised portion of the expired,
      terminated or lapsed options shall be available for future grants under
      the Plan, within the limits herein described.

            (d) The stock to be issued under the Plan may constitute an original
      issue of authorized stock or may consist of previously issued stock
      acquired by the Corporation, as shall be determined by the Board or the
      Committee.

      3. STOCK OPTION COMMITTEE. The Board of Directors of the Corporation (the
"Board") shall from time to time appoint a Stock Option Committee (the
"Committee") to serve under this Plan. The Committee shall consist of either:

      (i)   Three or more directors, none of whom are, on the date selected for
            the Committee, and for one year prior thereto, eligible for
            selection under the Plan, any other plan of the Corporation or any
            affiliate of the Corporation to acquire stock, stock options or
            stock appreciation rights of the Corporation or any of its
            affiliates, and who otherwise meet the definition of a "Non-Employee
            Director for purposes of Rule 16b-3(d)(1) as promulgated by the
            Securities and Exchange Commission pursuant to the Securities
            Exchange Act of 1934, as amended; or

      (ii)  The entire Board of Directors of the Corporation, so long as a
            majority of the Board and a majority of the Directors acting as
            members of the Committee are not, at the time of selection for the
            Committee, and for one year prior thereto, eligible for selection
            under the Plan, any other plan of the Corporation or any affiliate
            of the Corporation to acquire stock, stock options or stock
            appreciation rights of the Corporation or any of its affiliates.

      A person serving on the Committee shall not be considered as being
eligible to acquire stock, stock options, or stock appreciation rights if such
eligibility is under the terms of an employee benefit plan of the Corporation
which is open to all employees of the Corporation and the eligibility and
allocation criteria are fixed and uniform for all employees.

      Persons serving on the Committee may receive options if such options being
granted to any such person are subject to shareholder approval and are
independent of any type of plan.

      The Committee shall have authority, consistent with the Plan:

            (a) to determine which of the key employees of the Corporation and
      its subsidiaries shall be granted options;

            (b) to determine the time or times when options shall be granted and
      the number of shares of Common Stock to be subject to each option;

<PAGE>

            (c) to determine the option price of the shares subject to each
      option and the method of payment of such price;

            (d) to determine the time or times when each option becomes
      exercisable and the duration of the exercise period, subject to the
      limitations contained in Paragraph 6(b);

            (e) to prescribe the form or forms of the instruments evidencing any
      options granted under the Plan and of any other instruments required under
      the Plan and to change such forms from time to time;

            (f) to adopt, amend and rescind rules and regulations for the
      administration of the Plan and the options and for its own acts and
      proceedings;

            (g) to decide all questions and settle all controversies and
      disputes which may arise in connection with the Plan; and

            (h) to take other actions permitted of the Committee by this Plan,
      authority hereafter granted by the Board or as permitted by law.

All decisions, determinations and interpretations of the Committee shall be
final and binding on all parties concerned.

      4. ELIGIBILITY AND PARTICIPATION. Options may be granted pursuant to the
Plan to employees of the Corporation and any parent or subsidiary of the
Corporation (hereinafter sometimes called "employee" or "employees"); provided
that no option may be granted under the Plan to an employee who, immediately
before or at the time such option is granted, owns stock possessing more than
ten percent (10%) of the total combined voting power or value of all classes of
stock of the employer corporation or of any parent or subsidiary corporation.
For the purposes of the preceding sentence: (a) the employee shall be considered
as owning the stock owned directly or indirectly by or for himself, the stock
which the employee may purchase under outstanding options, and the stock owned,
directly or indirectly, by or for his brothers and sisters (whether of the whole
or half blood), spouse, ancestors, and lineal descendants; and (b) stock owned,
directly or indirectly, by or for a corporation, partnership, estate, or trust
shall be considered as being owned proportionately by or for its shareholders,
partners, or beneficiaries.

      From time to time the Committee shall select the employees to whom options
may be granted by the Board and shall determine the number of shares to be
covered by each option so granted. Future as well as present employees
(including employees who are directors) shall be eligible to participate in the
Plan. If the entire Board constitutes the Committee, then members of the
Committee that are otherwise eligible to participate in the Plan shall be
allowed to participate in the Plan, provided that such eligible members
constitute a minority of the Board, and provided further, that any individual
member of the Committee allowed to participate will be prohibited from voting
upon or in any way influencing the other members of the Committee in designating
such individual member as a recipient of option grants or in exercising any
other discretion granted to the Committee regarding the option grants to such
individual member. If the Committee is appointed

<PAGE>

under the terms of subparagraph (i) of Section 3 hereof, then members of the
Committee (including those who are key employees of the Corporation or a
subsidiary corporation of the Corporation) shall not be eligible to participate
in the Plan.

      The adoption of the Plan does not confer upon any employee of the
Corporation or a subsidiary any right to continue employment with the
Corporation or a subsidiary, as the case may be, nor does it interfere in any
way with the right of the Corporation or a subsidiary to terminate the
employment of any of its employees at any time.

      5. OPTION AGREEMENT. The terms and provisions of options granted pursuant
to the Plan shall be set forth in agreements (which need not be identical) in
such form and containing such provisions as are consistent with this Plan as the
Board or the Committee may from time to time approve (individually an "Option
Agreement" and collectively the "Option Agreements"). An Option Agreement may
incorporate all or any of the terms hereof by reference and shall comply with
and be subject to the terms and conditions herein provided.

      6. PRICE. The purchase price per share of Common Stock purchasable under
options granted pursuant to the Plan shall be an amount equal to one hundred
percent (100%) of the fair market value of the stock, as determined by the Board
or the Committee, at the time the options are granted. The full purchase price
of shares purchased shall be paid upon exercise of the option in the manner and
by the means set forth in the employee's Option Agreement. The consideration
shall be paid either in cash, by check, or for such other consideration as the
Board or Committee may approve. Under certain circumstances the purchase price
per share shall be subject to adjustment as referred to in Section 11 of this
Plan and as described in the Option Agreement executed pursuant to a grant under
this Plan; however, the price per share of Common Stock purchasable under
options granted pursuant to the Plan shall not be subject to adjustment after
the date of grant in the absence of the occurrence of an event described in
Section 11.

      7. EXERCISE PERIOD. The right to purchase any Common Stock pursuant to the
exercise of an option granted under this Plan may be either cumulative or
non-cumulative, as determined by the Board or the Committee. Any Common Stock
purchasable pursuant to the exercise of an option granted under this Plan will
be purchasable in accordance with the schedule set forth in the Option Agreement
between the Corporation and the employee receiving the option, subject to any
other limitation provided in this Plan or in the employee's Option Agreement. A
person electing to exercise an option shall give notice as described in his or
her Option Agreement, such notice to be accompanied by such instruments or
documents as may be required by the Option Agreement and the Committee, and
unless otherwise directed by the Committee, the employee shall at the time of
exercise tender the purchase price of the shares he or she has elected to
purchase. Unless otherwise provided in the particular Option Agreement, in the
event the portion of Common Stock purchasable under the Option Agreement
involves a fraction of a share, the amount purchasable at that time shall be
rounded upward to the next complete share to allow the purchase of a complete
share of Common Stock.

      8. OPTION PERIOD. No option granted pursuant to the Plan shall be
exercisable after the expiration of ten (10) years from the date the option is
first granted. The expiration date for any option or portion thereof, which may
be any period not in excess of ten (10) years following the date of grant of the
option, shall be stated in the Option Agreement and is hereinafter called the
"Expiration Date".

<PAGE>

      Notwithstanding any other provision of this Plan, no option shall be
granted under this Plan more than ten (10) years after the date this Plan is
adopted by the Board, or the date this Plan is approved by the Common Stock
stockholders, whichever is earlier.

      9.    TERMINATION OF EMPLOYMENT.  The Option Agreement may provide that:

            (a) If, prior to the Expiration Date for any option granted
      hereunder, the employee shall for any reason whatever, other than (1) his
      permanent and total disability as defined in (c) below, or (2) his death,
      cease to be employed by the Corporation, or a parent or subsidiary
      corporation of the Corporation, then any unexercised portion of such
      option shall automatically terminate upon the date of such termination of
      employment.

            (b) If, prior to the Expiration Date for any option granted
      hereunder, the employee shall die at a time when he had been employed by
      the Corporation, or a parent or subsidiary corporation of the Corporation,
      from the date of granting of such option until the date of his death, then
      the legal representatives of his estate or a legatee or legatees of the
      option shall have the right, for a period of three (3) months after his
      death, to purchase all or any part of the Stock subject to the option
      outstanding and unexpired as of his date of death.

            (c) If, prior to the Expiration Date for any option granted
      hereunder, the employee shall cease to be employed by the Corporation, or
      a parent or subsidiary corporation of the Corporation, because he becomes
      permanently and totally disabled, as hereafter defined, and prior to such
      termination of employment by reason of disability the employee had been
      employed by the Corporation, or a parent or subsidiary of the Corporation,
      at all times since the date of the granting of such option, then such
      employee or his legal representative shall have the right, for a period of
      one (1) year from the date of such termination of employment by reason of
      disability, to exercise any right to purchase Stock pursuant to the
      option.

      An employee is "permanently and totally disabled" if he is unable to
      engage in any substantial gainful activity by reason of any medically
      determinable physical or mental impairment which can be expected to result
      in death or which has lasted or can be expected to last for a continuous
      period of not less than twelve (12) months. Such determination of
      permanent and total disability shall be made as allowable under Section
      22, and applicable regulations, of the Internal Revenue Code of 1986, as
      amended, or any other applicable method necessary for the continued
      qualification of this Plan under Section 422 of the Internal Revenue Code.
      In the absence of any specific requirements for this determination, the
      decision of the Board or the Committee, as aided by any physicians they
      designate, shall be conclusive.

Nothing in (a), (b), or (c) shall extend the time for exercising any option
granted pursuant to the Plan beyond the Expiration Date for the option. Any
Option Agreement may contain or otherwise

<PAGE>

provide for conditions giving rise to the forfeiture of Stock or a repurchase
right with respect to Stock acquired pursuant to an Option Agreement executed
pursuant to this Plan, and may also provide for such restrictions on the
transferability of shares of Stock acquired pursuant to an Option Agreement
executed pursuant to this Plan, that the Board or the Committee in its sole and
absolute discretion may deem proper or advisable. The conditions giving rise to
forfeiture or right of repurchase may include, but need not be limited to, the
requirement that the optionee render substantial services to the Corporation or
any subsidiary of the Corporation for a specified period of time. The
restrictions on transferability may include, but need not be limited to, options
and rights of first refusal in favor of the Corporation.

      10. ASSIGNABILITY. The Option Agreement shall provide that the option
granted thereby shall not be transferable or assignable by the employee
otherwise than by will or by the laws of descent and distribution, and during
the lifetime of the employee shall be exercisable only by him or her.

      11. ADJUSTMENTS AND MODIFICATIONS. The Option Agreement may contain such
provisions as the Board or the Committee may approve concerning the effect upon
the option granted thereby and upon the per share or per unit option price, of
(i) stock dividends, stock splits, or subdivisions, combinations or
reclassifications of the Stock, or (ii) the merger or consolidation of the
Corporation with any other business entity, the sale of all or substantially all
of the Corporation's assets, the liquidation or dissolution the Corporation, or
any other form of corporate reorganization or other similar capital change.
Subject to the terms and conditions and within the limitations of this Plan, the
Board or Committee may modify, extend, or renew outstanding rights granted under
this Plan, or accept the surrender of outstanding rights (to the extent not
theretofore exercised). Notwithstanding the foregoing, no modification of an
option shall, without the consent of the optionee, alter or impair any rights of
the optionee under the option.

      12. ISSUANCE REQUIREMENTS. The Corporation shall not be obligated to issue
any shares unless and until, in the opinion of the Corporation's counsel, (i)
all applicable laws and regulations have been complied with, (ii) in the event
the Corporation's Common Stock is at the time listed upon any stock exchange or
approved for trading on the Nasdaq Stock Market, the shares to be issued have
been listed or trading shall otherwise be authorized upon official notice of
issuance, and (iii) all other legal matters in connection with the issuance and
delivery of shares shall have been approved by the Corporation's counsel. The
participant shall take any action reasonably requested by the Corporation in
connection therewith. Without limiting the generality of the foregoing, the
Corporation may require from the participant such investment representation or
such agreement, if any, as counsel for the Corporation may consider necessary in
order to comply with the Securities Act of 1933 as then in effect, and may
require that the participant agree that any sale of the shares will be made only
in such manner permitted by law. A legend to this effect may be affixed to the
certificates evidencing such shares. A participant shall have the rights of a
stockholder only as to shares actually acquired by him under the Plan.

      13.   CORPORATE MERGER, CONSOLIDATION, REORGANIZATION, ETC.

            (a) In the event of a dissolution or liquidation of the Corporation
      or a merger or consolidation in which the Corporation is not the surviving
      corporation, any outstanding options hereunder may be terminated by the
      Corporation as of the effective date of such

<PAGE>

      dissolution, liquidation, merger or consolidation by giving notice to each
      holder thereof or his personal representative of its intention to do so
      and by permitting the exercise during a period of not more than a
      specified number of days determined by the Board next preceding such
      effective date, or the Expiration Date, whichever is earlier, of all of
      such outstanding options in whole or in part without regard to the
      provisions of Section 7 hereof. Subject to the preceding sentence, if the
      Corporation is reorganized or merged or consolidated with another
      corporation, while unexercised options are outstanding under the Plan, and
      the Corporation is not the surviving corporation, there shall be
      substituted for the Common Stock subject to the unexercised and
      outstanding options an appropriate number of shares of each class of stock
      or other securities of the reorganized or merged or consolidated
      corporation which were distributed to shareholders of the Corporation in
      respect of the Common Stock. Such substitution may be accomplished by the
      assumption of such options by the surviving corporation or the
      substitution for the old options of new options by the surviving
      corporation.

            (b) The existence of the Plan and any options granted hereunder
      shall not affect in any way the right or power of the Board or the
      stockholders of the Company to make or authorize any adjustment,
      recapitalization, reorganization, reclassification or other change in the
      Company's capital structure or its business, any merger, consolidation or
      separation of the Company, any issue of bonds, debentures, preferred or
      prior preference stocks ahead of or affecting Common Stock or the rights
      thereof, the dissolution or liquidation of the Company or any sale or
      transfer of all or any part of its assets or business, or any other
      corporate act or proceeding.

      14. AMENDMENT OF THE PLAN. The Board of Directors of the Corporation may
from time to time alter, amend, suspend or discontinue the Plan and make rules
for its administration, except that the Board shall not amend the Plan in any
manner which would have the effect of preventing options issued under the Plan
from being "incentive stock options" as defined in Section 422 of the Internal
Revenue Code of 1986 (as amended).

      15. OPTIONS DISCRETIONARY. The granting of options under the Plan shall be
entirely discretionary and nothing in the Plan shall be deemed to give any key
employee any right to participate in the Plan or to receive options.

      16. STOCKHOLDER APPROVAL. The Plan will be submitted to the Common Stock
stockholders of the Corporation within twelve (12) months of the date of the
adoption of the Plan by the Board.

      17. TERMINATION OF PLAN. This Plan shall terminate ten (10) years after
its approval by the Common Stock stockholders or adoption by the Board,
whichever is earlier. Any option outstanding under this Plan at the time of its
termination shall remain in effect until the option shall have been exercised or
the Expiration Date, whichever is earlier.

      18. REPLACEMENT OPTIONS. The Corporation may grant options under the Plan
on terms differing from those provided for in this Plan where such options are
granted in substitution for options held by employees of other corporations who
have become employees of the Corporation or a subsidiary as the result of a
merger, consolidation or other reorganization of the employing

<PAGE>

corporation with the Corporation or subsidiary, or the acquisition by the
Corporation or a subsidiary of the business, property or stock of the employing
corporation. The Committee may direct that the substitute options be granted on
such terms and conditions as the Committee considers appropriate in the
circumstances.

      19. ADOPTION OF PLAN BY BOARD. The undersigned hereby certifies that this
Plan is the true and correct 2002 Texas Regional Bancshares, Inc., Incentive
Stock Option Plan of the Corporation voted upon and adopted at a meeting of the
Board of Directors duly held on the 12th day of March, 2002.QuickLinks
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Exhibit 10.33    
  

CERTAIN
INFORMATION IN THIS EXHIBIT HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO A REQUEST FOR AN ORDER GRANTING CONFIDENTIAL TREATMENT OF SUCH
INFORMATION IN ACCORDANCE WITH RULE 24b-2 PROMULGATED UNDER THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

Confidential

 
 

DATA ACCESS AGREEMENT    
  

        This Agreement is made and entered into as of October 23, 2001, (herein "Effective Date") between US Search.com Inc, (herein "US Search) with its principal
offices located at 5401 Beethoven St., Los Angeles, CA 90066 and Confi-Chek Inc. (herein "Supplier") with its principal offices at 1816 19th Street, Sacramento, CA
95814. 

WHEREAS, US Search is a company in the business of providing information services to its customers, both individual consumers and businesses; 

WHEREAS, Supplier is a company in the business of providing access to public records and publicly available information to both individual consumers and
businesses; and 

WHEREAS, the parties desire to enter into this Agreement in furtherance of their mutual business interests. 

NOW THEREFORE, upon the mutual convents and promises stated herein the parties agree to be bound to the terms and conditions of this Agreement. 

1.    Definitions:  

	1.1
	Data—searchable
information, including but not limited to: first name, last name, street address, or state provided in either a query or a result.

	1.2
	Query—a
request for Data.

	1.3
	Response—a
list of names generated from a Query, from which a Report may then be requested.

	1.4
	Report—a
predetermined formatted set of Data usually selected from the Response to a Query.

	1.5
	Result—all
the Data returned as an answer to a Query whether in the form of a Response or a Report.

	1.6
	SQL—Structured
Query Language—an ANSI standard query language.

	1.7
	Stored
Procedure—A set of instructions usually containing SQL instructions and other computer commands.

	1.8
	Batch—A
delimited ASCII text file containing multiple search requests, which are to be queried against a database within a single job. 

2.    Grant of Rights:  

        Supplier hereby grants and US Search shall have the right to access, use, display, reproduce, and/or sell any and all of the services, stated in Exhibit A
and as may be amended from time to time, and/or the
Results thereto for any purpose so long as US Search is in compliance with all laws, statutes and regulations including but not limited to the Gramm-Leach-Bliley Act (GLB), federal Fair Credit
Reporting Act (FCRA) and Individual Reference Service Group (IRSG), as they may be amended from time to time. US Search shall have the right to maintain an archival copy of all Queries submitted and
shall own the Results returned during the Term of this Agreement. Any Data supplied by and 

1

 

Results returned to US Search are deemed US Search Proprietary Data, as herein defined, and shall be held confidential pursuant to Article 13. 

3.    Scope of Services:  

        Unless otherwise indicated in the services description attached as Exhibit A, Results shall be delivered immediately over mutually agreed upon supported
transports. All services are subject to the Warranties and Representations stated herein. 

        Supplier
shall not modify, alter, replace or make any change(s) in any of the services stated herein without giving US Search at least thirty (30) days prior written notice of
such change. In addition, if a third party data supplier is no longer in a position to provide a service, as defined herein, then Supplier shall use its best efforts to find a replacement service that
meets US Search's service definition at the same or better pricing then originally provided. Said replacement service will be of similar or better quality then the service it is replacing. 

4.    Access:  

        4.1    Web Based Application:    Upon execution, Supplier shall provide US Search a user friendly web based
application that provides access to execute Queries, retrieve Responses and order Reports for the products described in Exhibit A, as may be amended from time to time. US Search shall have
unlimited access to execute Queries, retrieve Responses and order Reports consistent with the pricing outlined in Exhibit B attached hereto. 

        4.2    Direct Database Access:    Direct Database Access is defined as direct access, through use of stored procedures
and/or direct SQL queries to Supplier's database server(s), to execute Queries, retrieve Responses and order Reports for the products described in Exhibit A, as that Exhibit may be amended from
time to time. Supplier will provide US Search with access to execute Queries, retrieve Responses and order Reports by establishing connectivity directly to the Supplier's database severs through
protocols such as: JDBC, ODBC or such other mutually agreeable protocol as the parties may decide.
The datasets returned through this mechanism will be unformatted for display purposes but will be well structured such that: 

	i)
	The
Data can be easily parsed using standard parsing methods;

	ii)
	Any
meaningful relationships contained in the Results can be reasonably established. 

US
Search intends to use Direct Database Access to improve the user's searching experience through use of Direct Database Access and US Search proprietary technology. A user may be a US Search
Employee Agent, including any parent companies, subsidiaries or affiliates, and/or US Search customers. 

	4.3
	US Search Employee Agent's/Direct Database Access.

	a)
	Post-Purchase. US Search Employee Agents will have Direct Database Access to Supplier's databases to perform Queries for
customers (both commercial and consumer) who have purchased a Report.

	b)
	Pre-Purchase. US Search Employee Agents will have Direct Database Access to Supplier's databases to perform Queries for
customers (both commercial and consumer) who are interested in purchasing Report(s) from US Search. This service will be offered to enrich the customer's user experience and convert the customer
inquiry to a sale. The parties agree at the onset to cap the number of Queries in this pre-purchase scenario (section 4.3(b)) to a daily average of *** Queries per day measured over
the course of a month. The parties agree to use good faith efforts to develop a test program and negotiate an appropriate tiered fee schedule. Once the tiered fee schedule is agreed to the parties
shall execute an amendment to this Agreement. 

***    THIS
INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO A REQUEST FOR AN ORDER GRANTING CONFIDENTIAL TREATMENT OF SUCH
INFORMATION IN ACCORDANCE WITH RULE 24b-2 PROMULGATED UNDER THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

2

 

	c)
	If
the initial caps stated in sections (a) and (b) above are exceeded prior to the adoption of a tiered fee schedule, US Search agrees to pay Supplier *** for every ***
Queries over the cap. 

	4.4
	Commercial Customers/Direct Database Access.

	a)
	Post-Purchase. US Search's commercial customers that purchase a Report associated with a Direct Database Access service will
be provided direct access, in a controlled application environment that US Search will develop. This access will allow commercial customers to search within defined parameters and without any
intervention from US Search, so long as these commercial customers have a reasonable purpose to use such Reports in their business enterprise and do not redistribute the Reports or Results to
consumers. US Search will flow this restriction to such commercial customers using a Direct Database Access service. Access in this post-purchase scenario (section 4.4(a)) shall be
capped at a daily average of *** Queries per day measured over the course of a month.

	b)
	Pre-Purchase. US Search intends to offer commercial customers Direct Database Access in a defined pre-purchase
environment, which the parties mutually agree to. This access would be similar to the access described in Section 4.4(a) above; however, the parties will agree to place internal mechanisms to
cap the number of Queries a commercial customer may place for a particular search without actually purchasing a Report. The parties agree at the onset to cap the number of Queries in this
pre-purchase scenario (section 4.4(b)) to a daily average of *** Queries per day measured over the course of a month. The parties agree to use good faith efforts to develop a test
program and negotiate an appropriate tiered fee schedule. Once the tiered fee schedule is agreed to the parties shall execute an amendment to this Agreement.

	c)
	If
the initial caps stated in sections (a) and (b) above are exceeded prior to the adoption of a tiered fee schedule, US Search agrees to pay Supplier *** for every ***
Queries over the cap. 

	4.5
	Consumers/Direct Database Access.

	a)
	Post-Purchase. US Search is developing a web-based interface that will allow its noncommercial customers
(consumers) to search and select products without any intervention from US Search, again the ability to perform searches will be provided in the controlled application environment US Search develops.
US Search consumers will have direct access to Supplier's People Finder Database and such other databases as may be licensed for direct access use by US Search consumers. Access in this
post-purchase scenario (section 4.5(a)) shall be capped at a daily average of *** Queries per day measured over the course of a month.

	b)
	Pre-Purchase. This access would be similar to the access described in Section 4.5(a) above; however, the parties will
agree to place internal mechanisms to cap the number of Queries a consumer may place for a particular search without actually purchasing a Report. The parties agree at the onset to cap
the number of Queries in this pre-purchase scenario (section 4.5(b) to a daily average of *** Queries per day measured over the course of a month. The parties agree to use good
faith efforts to develop a test program and negotiate an appropriate tiered fee schedule. Once the tiered fee schedule is agreed to the parties shall execute an amendment to this Agreement.

	c)
	If
the initial caps stated in sections (a) and (b) above are exceeded prior to the adoption of a tiered fee schedule, US Search agrees to pay Supplier *** for every ***
Queries over the cap. 

***    THIS
INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO A REQUEST FOR AN ORDER GRANTING CONFIDENTIAL TREATMENT OF SUCH
INFORMATION IN ACCORDANCE WITH RULE 24b-2 PROMULGATED UNDER THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

3

 
	4.6
	All
methods of access, described in this Article shall be available 24 X 7 X 365 through password-protected interface(s) on a per user basis. All access shall have sufficient
functionality to provide meaningful access to the services outlined in Exhibit A. Lastly, the Pricing and availability shall be consistent with the provisions of Article 4.1. 

5.    Performance Metrics: 

        The
parties understand that Supplier maintaining availability and functionality of its databases, operations and systems, including but not limited to
24 × 7 × 365 access to third party suppliers, are of the utmost importance in the performance of this Agreement. To that end Supplier will achieve
the following minimum performance: 

	5.1
	Supplier
shall maintain system Uptime of 99.0% measured on a monthly basis. For purposes of this Agreement, Uptime is defined as Supplier's systems responding to a Query, Stored
Procedure, and/or SQL query, from US Search and/or its customers and returning Results, whether in the form of raw Data, Responses, or Reports within reasonable time frames.

	5.2
	If
Downtime, defined as any fifteen (15) minute interval or more in which US Search is not able to access Supplier Data, exceeds 1% per month then US Search shall notify
Supplier and Supplier shall have the immediately subsequent month to cure such deficiency. If Supplier is not able to cure the deficiency in the subsequent month, then US Search may elect to cancel
this Agreement upon fifteen (15) days notice.

	5.3
	Supplier
shall use its best efforts to schedule Downtime, during non-peak operating hours (e.g. midnight to 5 am PT), and provide not less than forty eight
(48) hours prior notice to US Search's technical contact.

	5.4
	Supplier
shall use its best efforts to maintain the same level of connectivity with its third party data suppliers as stated herein.

	5.5
	Supplier
shall perform its obligations set forth herein to a standard not less than the level of performance Supplier provides to itself and other customers who purchase or access
similar volumes of products or services for resale. Without limiting the forgoing, Supplier shall at least provide the level of service stated in Sections 5 and 6.

	5.6
	The
parties agree to work together in establishing reliable connectivity through a T1 line, or such other connection as may become available with time. 

6.    Support  

	6.1
	Supplier
shall provide support to US Search for High Priority Incidents 24 hours a day, 7 days a week, 365 days a year. High Priority Incidents are defined as
situations (i) where US Search or its customer cannot retrieve Data or any other Result through a Query, Stored Procedure and/or SQL query; (ii) when response times in retrieving such
data are not within the times set forth in this Agreement; or (iii) when US Search reasonably believes that the accuracy of the Results being returned is questionable. Any incident in which US
Search or its customers cannot retrieve Results with acceptable responses shall be deemed a High Priority Incident.

	6.2
	Supplier
will name a dedicated support person(s) (Supplier's Technical Contact) to respond to High Priority Incidents. Upon prompt notification via telephone or when appropriate,
email, of a High Priority Incident, Supplier shall commence work on resolving the deficiency within one (1) hour of notification and shall engage staff continuously until a resolution is
achieved.

	6.3
	Low
Priority Incidents are defined as situations where there is little or no impact to US Search business operations. Support for Low Priority Incidents shall be provided during
normal business hours of 8:00 am to 6:00 pm PST, Monday through Friday, excluding holidays as recognized by 

4

 

Supplier.
Upon notification, as set forth above, of a Low Priority Incident, Supplier will commence work on resolving the deficiency within one (1) business day of notification and will engage
staff during regular business hours until an acceptable resolution is achieved. 

	6.4
	Supplier
shall maintain a report containing all incidents opened by US Search. The report will include the following information: (i) priority level, (ii) date and time
incident reported by US Search, (iii) date and time Supplier responded, (iv) steps taken by Supplier to resolve incident, including status updates to US Search, (v) date of final
resolution and (vi) any other information as US Search may reasonably request. 

7.    Use of Marks  

        To the extent that may be necessary, Supplier is granted a non-exclusive royalty free right to display and reproduce the Trade Name, Trademarks,
Service Marks and/or Logos owned by or licensed to US Search solely for the purpose of carrying out Supplier's obligations herein. This license shall terminate immediately upon the expiration or
termination of this Agreement. No other implied rights are hereby granted or intended through this license. 

5

   8.    Fees and Payments:  

	8.1
	Supplier
shall submit to US Search within thirty (30) days of the end of each full calendar month, an invoice detailing the (i) actual services rendered; (ii) the
Result type returned (iii) the pricing (as stated in Exhibit B) of each service rendered; (iv) the date the service was ordered; (v) the date the service order was
fulfilled (vi) the unique service order identification number; (vii) searcher login ID, and (viii) such other information as may reasonably be requested by US Search. US Search
will use good faith efforts to pay all undisputed amounts detailed on the invoice within thirty (30) days of receipt of such invoice. US Search agrees to send payment via courier or express
mail. In addition, Supplier shall make this information available to US Search via a password protect online reporting system. US Search agrees to pay Supplier a late fee totaling *** per month of any
balance older than ***. US Search agrees to make a monthly minimum payment in the amount of *** during the Term of this Agreement and any renewal Terms.

	8.2
	The
parties further agree that US Search will receive competitive pricing for products and services as compared with Supplier's other customers who purchase products and services at a
similar volume.

	8.3
	Supplier
agrees that if it substantially changes its product or service offering to offer less information, slower functionality or diminished performance from the standards set forth
in this Agreement, then the parties shall in good faith negotiate a reduction in price of such product or service and a proportionate reduction in the minimum monthly payment. If the parties are
unable to come to a mutual agreement regarding either the reduction in price of such product or service or reduction in the monthly minimum, then US Search may cancel the Agreement in whole or in part
upon thirty (30) days prior written notice. 

9.    US Search Opt-Out Database:  

        US Search shall provide Supplier with a copy of its Opt-Out Database and bi-weekly updates to the database or as they become available
from time to time, but not more frequently than bi-weekly. Supplier shall integrate US Search's Opt-Out Database into its search module for the appropriate services, as
selected by US Search within three (3) business days of receiving the Opt-Out Database. The US Search Opt-Out Database is deemed US Search's Confidential Information as
that term is defined
herein below. Supplier will provide a mechanism to flag that a non-returned record was "opted out". Supplier shall not charge US Search.com for searches that return a name from the
Opt-Out Database. Supplier acknowledges that the Opt-Out Database is a proprietary database and may not be used, sold, rented or otherwise transferred for any purpose other
than to perform its obligations herein, without US Search prior written permission. 

10.  Term and Termination:  

        The term of this Agreement shall continue in full force and effect, for two (2) years from the Effective Date (herein "Term"), unless otherwise terminated
consistent with the terms and conditions of this Agreement. This Agreement shall renew at US Search's option for up to five (5) additional one (1) year terms, upon the same terms and
conditions as stated herein and as may be amended from time to time, unless US Search provides Supplier with written notice of intent not to renew at least sixty (60) days prior to the
expiration of the then current Term. 

        Either
party may terminate this Agreement if the other party breaches a material term and/or condition to this Agreement and such breach is not cured within fifteen (15) days of
written notice from the non-breaching party. 

***    THIS
INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO A REQUEST FOR AN ORDER GRANTING CONFIDENTIAL TREATMENT OF SUCH
INFORMATION IN ACCORDANCE WITH RULE 24b-2 PROMULGATED UNDER THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

6

 

        Upon termination of this Agreement, US Search will pay Supplier for actual services render up to the date of termination. If the total of such costs is less than the total funds paid for
the month, the balance will be returned to US Search. 

        The
Performance Metrics in Article 5, Support in Article 6 and the Warranties set forth in Article 16 are deemed material terms to this Agreement and among other
things, form part of the essential purpose of this Agreement. 

11.  Service Development:  

        During the Term of this Agreement and any renewal Terms thereafter, Supplier agrees that any unique or non-obvious products or services, whether new
products or services or enhancements to existing products or services, based on logic or specifications US Search develops and which US Search clearly identifies as Proprietary Confidential
Information prior to integrating the logic or specifications for such a product or service shall be deemed a US Search Product (herein "US Search Product"). A US Search Product shall not be provided
to or used by any other entity, for a period of eighteen months, without US Search's prior written consent. 

12.  Insurance:  

        Supplier shall at all times during the Term of this Agreement maintain General Comprehensive Liability Insurance and Errors and Omissions Insurance issued by
responsible insurance company(ies) that is/are qualified to do business in the State of California. Under no circumstances will the levels of said insurance be less than one million/three million in
the aggregate per occurrence. US Search shall be named as an additional insured. Supplier will provide US Search with a certificate of insurance evidencing such insurance and showing US Search as an
additional insured upon execution of this Agreement. In addition to the aforementioned insurance coverage, Supplier will maintain at all times during this Agreement maintain a Business Interruption
policy, evidence of said policy will be provided to US Search. 

13.  Confidentiality:  

	13.1
	"Confidential
Information" means any (i) written material that either party labels, stamps or otherwise designates as confidential, (ii) oral communication that either
party designates as confidential at the time that it is made and then reduces to a tangible form within thirty (30) days of stating said information and marks it Confidential, (iii) any
information that the receiving party should reasonably understand to be confidential under the circumstances, (iv) any information related to the research, development, services, products,
processes (including but not limited to stored procedures and direct SQL queries created by or on behalf of US Search), trade secrets, proprietary data, patent applications, business plans, customer
lists, customers, finances, or personnel data of a party or its business, (v) the terms of this Agreement, or (vi) copies of the foregoing. Confidential Information does not include any
information that Supplier can document was (i) in the public domain at the time of disclosure, or which enters the public domain other than as a result of the fault or negligence of the
receiving party, (ii) already known to the receiving party at the time of first disclosure hereunder without obligation of confidentiality, (iii) rightfully obtained by the receiving
party from a third party without obligations of confidentiality, or (iv) lawfully developed by the receiving party independently and without direct or indirect reference to or use of any
Confidential Information disclosed to it hereunder.

	13.2
	Supplier
agrees to use the same degree of care that it uses to protect its own Confidential Information, but in no event no less than reasonable care, to prevent the unauthorized
use, disclosure, publication or dissemination of US Search's Confidential Information. Supplier shall provide US Search's Confidential Information to its employees only on a "need to know" basis, 

7

 

subject
to the terms of this Agreement. Supplier agrees to accept and use US Search's Confidential Information solely in connection with its participation in, and solely with respect to performing
the scope services stated herein. Supplier agrees not to use US Search's Confidential Information for its benefit or the benefit of any third party. Notwithstanding the foregoing, Supplier may
disclose such Confidential Information if and to the extent required by any judicial or governmental request, requirement or order, provided that Supplier agrees to take reasonable steps to give US
Search sufficient notice in order to enable US Search to contest such request, requirement or order. 

	13.3
	The
parties agree the existence of this Agreement and its terms and conditions shall be Confidential Information and may only be disclosed to their respective legal representatives,
accountants and to any governmental agency that requires information regarding this Agreement.

	13.4
	The
parties acknowledge that the harm caused by the wrongful disclosure of Confidential Information will be difficult, if not impossible, to assess on a monetary basis, alone, and
that legal damages may not be sufficient compensation for such wrongful disclosure. Therefore, either party may enforce this Agreement by equitable means, including, but not limited to, injunctive
relief, in addition to any other remedies to which it is otherwise entitled. 

14.  Indemnification:  

        The parties each agree to indemnify, defend and hold the other harmless from and against any and all direct claims for injury or death to persons or direct damage
to property (including costs of dispute resolution and reasonable attorney's fees) in any manner caused by, arising from, or growing out of its negligence or willful misconduct in connection with this
Agreement. The party seeking indemnity will promptly notify the other party of any such claims setting forth all known details thereof. The party providing indemnity shall have control of the defense
of the claim and will not be responsible for settlements or expenses incurred by the indemnified party without giving its prior written consent to any such settlement or incurring such expense.
Furthermore, the indemnifying party shall not settle any claims without the consent of the party seeking indemnification. These indemnity obligations shall survive the termination of this Agreement so
long as the claim for which indemnity is sought occurs during the term of this Agreement. 

15.  Limitation of Liability:  

        US Search shall not be liable for any indirect, incidental, special or consequential damages (collectively known as "Damages"), including but not limited to lost
business and/or lost profits, whether based in contract, tort or any other theory at law. Unless otherwise stated, US Search's sole obligation and Supplier's sole remedy shall not exceed the amount of
payments made by US Search during the Term of this Agreement. The parties agree that the limitations and exclusions of liability and disclaimers specified in this Agreement will survive and apply even
if found to have failed of their essential purpose. 

16.  Warranties and Representations:  

	16.1
	Supplier
warrants that it will at all times (a) comply with all applicable laws then in effect, while performing the services set forth in this Agreement; (b) obtain
all necessary consents and authorizations prior to providing any services; (c) ensure that none of the services will infringe on the proprietary or ownership rights of any party; and
(d) maintain the personnel, linkages, equipment, data suppliers and data necessary to accomplish the services contemplated hereunder; (e) Supplier shall at all times during this
Agreement maintain communication connectivity with its vendors; and (f) Supplier is the legal and beneficial holder of all patent, copyright, proprietary and all other rights, titles and
interests, including but not limited to any licenses, in or to the Supplier's 

8

 

services,
subject to no liens, encumbrances or third-party claims, and any grant of rights to Supplier's services to US Search and its customers does not violate any Laws, third party supplier
contracts or any third-party rights. 

	16.2
	Supplier
warrants and represents that it shall use its best efforts to obtain, compile, integrate, update on a regular basis, and maintain its databases and access to third party
data suppliers so that they are current, accurate and complete. In the event that Supplier's database(s) fails to meet these requirements or third party access is interrupted, US Search shall be
entitled to the remedies set forth herein.

	16.3
	Supplier
recognizes that US Search may warrant the currency, accuracy and completeness of its service to its customers and US Search may provide a refund due to the lack of currency,
accuracy and/or completeness as a result of Supplier's products. If US Search experiences a substantial increase in refunds due to the lack of currency, accuracy and/or completeness over two
(2) consecutive months, US Search shall notify Supplier and Supplier shall have thirty (30) days to cure the deficiency in the product(s) and provide US Search with sufficient evidence
of the steps taken to cure the defect. If Supplier is unable to cure the deficiency and provide sufficient evidence of the steps taken to cure the defect during the cure period, then US Search shall
provide Supplier with fifteen (15) days notice of cancellation of the Agreement.

	16.4
	Supplier
further warrants that the compilation of and transmittal of the Data, Responses and/or Results to US Search is not in violation of any law, statute or other governmental
regulation and Supplier is in compliance with the Principles of the Individual Reference Services Group ("IRSG") as currently existing or as may be amended in the future at all times during the Term
of this Agreement.

	16.5
	These
warranties and representations, among other things, form the basis upon which US Search is entering into this Agreement.

	16.7
	Furthermore
and in addition to any other remedy provided under this Agreement, at law or in equity, and regardless of any cure period, if Supplier cannot substantially perform its
obligations, as set forth herein, for two or more consecutive months, US Search shall be entitled, to cancel this Agreement upon fifteen (15) days notice. 

17.  Arbitration:  

        If a dispute arises under this Agreement, the parties agree to first try to resolve the dispute with the help of a mutually agreed upon mediator in the following
location: Los Angeles, California. The parties shall share any costs and fees other than attorney fees associated with the mediation equally. 

        If
it proves impossible to arrive at a mutually satisfactory solution through mediation, the parties agree to submit the dispute to binding arbitration in the following location: Los
Angeles, California. The parties agree that the binding arbitration will be conducted with and under the rules of Action Dispute Resolution Services. Judgment upon the award rendered by the arbitrator
may be entered in any court with jurisdiction to do so. 

18.  Audit:  

        US Search or its representative shall have the right to audit all of Supplier's books, records and other documents, as they relate to the provision of services
under this Agreement. 

        Furthermore,
Supplier will permit US Search, at US Search's expense, to retain a reputable, independent certified public accounting firm of US Search's choice for the purpose of
reviewing, at a mutually agreed upon time during normal business hours, those books, records and documents of Supplier that relate to the calculation of charges under this Agreement. In the event that
any review 

9

 

reveals an over charge of more than ten (10) percent, Supplier will pay the costs of such review, including, but not limited to, the costs and fees of the accounting firm selected by US
Search. US Search shall be reimbursed in the amount that it was over charged. 

19.  Notice:  

        Unless otherwise specified herein, to wit: Article 6, a notice, to be effective, must be given in writing. Unless otherwise specified herein a notice is
considered effectively given when it is received by the intended recipient or when the intended recipient refuses delivery. If a notice is mailed by certified or registered United States mail, with
return receipt requested, or sent by a courier or delivery service, to the address of the intended recipient specified above (or such other address as the intended recipient has previously specified
in a written notice received by the sender), the notice shall be presumed to have been received or refused by the intended recipient on the date indicated on the return receipt or return invoice. 

20.  Miscellaneous:  

	20.1
	The
Parties warrant and represent that they each possess the legal authority and capacity to enter into this agreement. Furthermore, that the individuals executing this Agreement are
authorized to bind their respective corporations to this Agreement.

	20.2
	The
laws the State of California shall govern this Agreement.

	20.3
	Neither
party will be liable for delay or default in the performance of its obligations under this Agreement if such delay or default is caused by conditions beyond its reasonable
control, including but not limited to: fire, flood, accident, earthquakes, telecommunications line failures, storm, acts of war, riot, government interference, strikes and/or walk-outs. In
the event such a delay lasts more than fifteen (15) days, the party not experiencing the event may terminate this Agreement upon prior written notice to the other party. Should US Search
terminate the Agreement in accordance with the foregoing, US Search will pay for Services rendered up to the effective date of termination.

	20.4
	This
Agreement constitutes the entire understanding and agreement between the parties and supersedes any and all prior understandings and/or agreements between the parties with
respect to the subject matter. Neither party shall be bound by and each party specifically objects to any term, condition or other provision that is different from or in addition to the provisions of
this Agreement. No change, amendment or modification of any provision of this Agreement or waiver of any of its terms will be valid unless set forth in writing and mutually agreed to by the parties.

	20.5
	Neither
party will assign its rights or duties under this Agreement to another without the prior express written consent of the other party, which consent shall not be unreasonably
withheld or delayed; provided, however, that either US Search or Supplier may assign this Agreement to a successor in ownership of all or substantially all its business assets or shares of stock. Such
successor will expressly assume in writing the obligation to perform in accordance with the terms and conditions of this Agreement. Any other purported assignment will be void. This Agreement will
inure to the benefit of and bind the parties' respective permitted assignees.

	20.6
	This
Agreement may be executed in counterparts which taken together shall be regarded as one and the same Agreement. Either party's facsimile signature will be deemed a binding
acceptance of this Agreement by such party.

	20.7
	If
any term, condition or provision of this Agreement, or any part thereof, shall be found to be illegal or unenforceable to any extent for any reason, such provision shall be
modified or deleted so as to make the balance of such provision and this Agreement, as modified, valid and enforceable to the fullest extent permitted by law. 

10

 
	20.8
	US
Search and Supplier are independent entities and nothing in this Agreement will create any partnership, joint venture, agency, franchise, or employment relationship between the
parties. Each party shall be responsible for the direction and control of its employees, subcontractors, and/or consultants and nothing under this Agreement shall create any relationship between the
employees, subcontractors and/or consultants of US Search or Supplier respectively. 

        In
witness whereof, the parties hereto have executed this Agreement to be effective as of the Agreement Effective Date. 

	
CONFI-CHEK.COM INC.	
 	
US SEARCH.COM INC.
	

By:	
 	

/s/  ROB MILLER      
	
 	

By:	
 	

/s/  BRENT N. COHEN      

	

Name:	
 	

Rob Miller
	
 	

Name:	
 	

Brent N. Cohen

	

Title:	
 	

Pres.
	
 	

Title:	
 	

Chief Executive Officer

11

  

 
 

Exhibit A    
  

        *** 

      

      

       

       

***    THIS
INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO A REQUEST FOR AN ORDER GRANTING CONFIDENTIAL TREATMENT OF SUCH
INFORMATION IN ACCORDANCE WITH RULE 24b-2 PROMULGATED UNDER THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

12

  

 
 

Exhibit B    
  

Current payment schedule  

        *** 

       

       

       

       

***    THIS
INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO A REQUEST FOR AN ORDER GRANTING CONFIDENTIAL TREATMENT OF SUCH
INFORMATION IN ACCORDANCE WITH RULE 24b-2 PROMULGATED UNDER THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

13

QuickLinks

Exhibit 10.33

DATA ACCESS AGREEMENT

Exhibit A

Exhibit B

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