COMPUCREDIT CORP
EXHIBIT 10.8A
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<P ALIGN="RIGHT"><FONT SIZE=2><A
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<BR></FONT><FONT SIZE=2><B>Exhibit 10.8a    <BR>  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="kk1091_agreement"> </A>
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<BR></FONT><FONT SIZE=2><B>AGREEMENT    <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT SIZE=2><B>THIS AGREEMENT</B></FONT><FONT SIZE=2> (the "Agreement"), made and entered into effective as of the 11<SUP>th</SUP> day of May, </FONT> <FONT
SIZE=2><B>2001</B></FONT><FONT SIZE=2> ("</FONT><FONT SIZE=2><B>Effective Date</B></FONT><FONT SIZE=2>") is made among </FONT><FONT SIZE=2><B>COMPUCREDIT
CORPORATION</B></FONT><FONT SIZE=2>, a Georgia corporation ("</FONT><FONT SIZE=2><B>CompuCredit</B></FONT><FONT SIZE=2>"), </FONT><FONT SIZE=2><B>VISIONARY SYSTEMS, INC</B></FONT><FONT SIZE=2>., a
Georgia corporation ("</FONT><FONT SIZE=2><B>VSI</B></FONT><FONT SIZE=2>"), and </FONT><FONT SIZE=2><B>JAMES A. ECKSTEIN</B></FONT><FONT SIZE=2>, a Georgia resident
("</FONT><FONT SIZE=2><B>Eckstein</B></FONT><FONT SIZE=2>"). VSI and CompuCredit are sometimes collectively referred to as the "Parties" or individually as a "Party". A master list of defined terms
used in this Agreement is contained in </FONT><FONT SIZE=2><B>Appendix&nbsp;A</B></FONT><FONT SIZE=2>. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B><U>BACKGROUND</U>  </B></FONT></P>

<P><FONT SIZE=2><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.</B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Among other things, CompuCredit is in the business (the
"</FONT><FONT SIZE=2><B>Business</B></FONT><FONT SIZE=2>"</FONT><FONT SIZE=2><B>)</B></FONT><FONT SIZE=2> of marketing and selling consumer credit card products and services to selected consumers in
the "underserved," "subprime" and "secured" credit sectors, as those terms are generally known and understood in the credit industry. </FONT></P>

<P><FONT SIZE=2><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.</B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Among other things, VSI is in the business of designing and developing computer software and database programs and
providing related data processing services for companies engaged in the Business. </FONT></P>

<P><FONT SIZE=2><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.</B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Under an agreement among the Parties and VSx Corporation, a Georgia corporation
("</FONT><FONT SIZE=2><B>VSx</B></FONT><FONT SIZE=2>"), dated September&nbsp;23, 1997, (the "</FONT><FONT SIZE=2><B>Original Agreement</B></FONT><FONT SIZE=2>"), VSI and VSx have developed a
system of computer programs and databases that are capable of, among other things, gathering, storing and analyzing certain classes of data necessary to facilitate key marketing, risk and financial
management decisions in the consumer credit and financial products industries (which system, together with all error corrections, modifications, derivative works, updates, enhancements and associated
documentation is collectively referred to herein as the "</FONT><FONT SIZE=2><B>System</B></FONT><FONT SIZE=2>"). </FONT></P>

<P><FONT SIZE=2><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D.</B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;The System includes three core components: (i)&nbsp;the "</FONT><FONT SIZE=2><B>Brain</B></FONT><FONT SIZE=2>" which
has been developed by VSx on a SUN Solaris/Oracle 8.0 enterprise edition platform; (ii)&nbsp;the "</FONT><FONT SIZE=2><B>Switch</B></FONT><FONT SIZE=2>" which has been developed by VSI on a Windows
NT 4.0, MS SQL Server 7.0 platform; and (iii)&nbsp;the "</FONT><FONT SIZE=2><B>Switch Criteria</B></FONT><FONT SIZE=2>" which was developed by VSI and is owned by CompuCredit. </FONT></P>

<P><FONT SIZE=2><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E.</B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Eckstein owns 40% of the outstanding capital stock of VSI directly and another 10% indirectly through ownership of equity
interests in Mcap (as defined below). He also serves as VSI's Chief Executive Officer. </FONT></P>


<P><FONT SIZE=2><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F.</B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;CompuCredit has, simultaneously with the execution of this Agreement, acquired all of the assets of VSx, and as a result
has acquired ownership of the Brain, but VSI and Eckstein still possess substantial knowledge about the Brain. </FONT></P>

<P><FONT SIZE=2><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G.</B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;The Parties intend for VSI to continue to perform data processing, software design development and support, consulting,
and miscellaneous ancillary services for CompuCredit related to the Switch, the Brain related to CompuCredit's Business. </FONT></P>


<P><FONT SIZE=2><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H.</B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;The Parties desire to terminate the Original Agreement as of the Effective Date of this Agreement and replace and
supersede it with this Agreement. </FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><B>TERMS AND CONDITIONS  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT SIZE=2><B>NOW, THEREFORE</B></FONT><FONT SIZE=2>, for value received, the Parties agree as follows: </FONT></P>


<P><FONT SIZE=2><B>1.&nbsp;&nbsp;&nbsp;&nbsp;<U>Services</U>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>1.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Services.</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;<U>General</U>.
During the Term (as hereinafter defined), VSI will: (i)&nbsp;provide the Services (as that term is defined below); and
(ii)&nbsp;at its own expense, to the extent the Parties agree, maintain agreements securing access to the databases of Equifax,&nbsp;Inc., Experian,&nbsp;Inc., Trans Union LLC, and their
respective successors (collectively the "</FONT><FONT SIZE=2><B>Credit Bureaus</B></FONT><FONT SIZE=2>") for the purpose of performing the Services. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;<U>Pre-Screening
Services.</U> </FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;&nbsp;&nbsp;VSI
will provide such programming, development, testing, quality control, auditing and on-going operations of the System as the Parties mutually agree is
necessary to support CompuCredit's pre-screen direct mail and telemarketing efforts (the "</FONT><FONT SIZE=2><B>Pre-Screening Services</B></FONT><FONT SIZE=2>"). The
Pre-Screening Services will support CompuCredit's creation of pre-screen lists and will enable CompuCredit to exercise segmentation, prospecting, pricing, product selection and
assignment capabilities with respect to its pre-screen lists. The Pre-Screening Services will be provided by VSI using data provided by the Credit Bureaus in accordance with
criteria designated by CompuCredit from time to time. VSI is in no way responsible for the accuracy of the data provided by the Credit Bureaus or the validity of the criteria designated by
CompuCredit. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;&nbsp;Using
data obtained from the Credit Bureaus and CompuCredit's proprietary score models, VSI will build a solicitation file containing contact information and details of
a pre-qualified credit offer. The solicitation file will be provided by VSI to processing vendors designated by CompuCredit for the purpose of producing mail copy or for direct
telemarketing directed to Prospects. Upon the acceptance of the offer of credit by a Prospect, a lead will be processed by VSI in the Switch which will house score thresholds derived from Credit
Bureau information and CompuCredit's proprietary score models, as well as business rules that determine whether a final approval is granted and the terms of the final approval. VSI will create an "ACE
Record" according to the criteria specified on </FONT><FONT SIZE=2><B><U>Exhibit&nbsp;B</U></B></FONT><FONT SIZE=2> ("</FONT><FONT SIZE=2><B>ACE
Record</B></FONT><FONT SIZE=2>") and send it to Total Systems,&nbsp;Inc., a Georgia corporation with its principal place of business in 1600 First Avenue, Columbus, GA 31901
("</FONT><FONT SIZE=2><B>Total Systems</B></FONT><FONT SIZE=2>"), for fulfillment of a credit card or a decline letter. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)&nbsp;&nbsp;VSI
will bill CompuCredit for the Pre-Screening Services on a monthly basis at the hourly rates set forth in </FONT> <FONT SIZE=2><B><U>Exhibit&nbsp;A</U></B></FONT><FONT SIZE=2>. </FONT></P>

</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;<U>Post-Screening
Services</U>. VSI will provide such programming, development, testing, quality control, auditing and
on-going operations of the System as the Parties mutually agree is necessary to support CompuCredit's post-screening direct mail and telemarketing solicitation of the selected
Prospects (the "</FONT><FONT SIZE=2><B>Post-Screening Services</B></FONT><FONT SIZE=2>"). In connection with the Post-Screening Services, VSI will use the System to
assist CompuCredit to retrieve credit data, execute CompuCredit's proprietary criteria, downsell/upsell, and format the ACE Records to be sent to Total Systems for approved, declined and pending
applications. VSI will bill CompuCredit for the Post-Screening Services on a monthly basis at the hourly rates set forth in </FONT> <FONT SIZE=2><B><U>Exhibit&nbsp;A</U></B></FONT><FONT SIZE=2>. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&nbsp;Pre-Screen-One
Services. VSI will provide such programming, development, testing, quality control, auditing and on-going operations
of the System as the Parties mutually agree is necessary to support CompuCredit's real-time pre-screening efforts (the
"</FONT><FONT SIZE=2><B>Pre-Screen-One Services</B></FONT><FONT SIZE=2>"). In </FONT></P>

</UL>
<P ALIGN="CENTER"><FONT SIZE=2>2</FONT></P>

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<P><FONT SIZE=2>
connection with the Pre-Screen-One Services, VSI will use the System to retrieve credit data, execute CompuCredit proprietary criteria, select pricing, select product and
format ACE records to be sent to Total Systems for approved applications for which Prospects have accepted the CompuCredit offer and terms. VSI will bill CompuCredit for the
Pre-Screen-One Services on a monthly basis at the hourly rates set forth in </FONT><FONT SIZE=2><B>Exhibit&nbsp;A</B></FONT><FONT SIZE=2>. In addition, VSI will charge
CompuCredit a $.20 per transaction fee for processing of these transactions which will also be billed monthly. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp;&nbsp;Cross-Selling
Services. VSI will provide such programming, development, testing, quality control, auditing and on-going operations of the System as the
Parties mutually agree to support CompuCredit's cross-selling efforts (the "</FONT><FONT SIZE=2><B>Cross-Selling Services</B></FONT><FONT SIZE=2>"). In connection with the Cross-Selling Services, VSI
will use the System to retrieve pre-screen credit data, execute CompuCredit proprietary criteria, select pricing, select products (such as credit life insurance, credit card registry,
membership purchase club) and format ACE records to be sent to Total Systems for approved, declined and pending applications. VSI will bill CompuCredit for the Cross-Selling Services on a monthly
basis at the hourly rates set forth in </FONT><FONT SIZE=2><B><U>Exhibit&nbsp;A</U></B></FONT><FONT SIZE=2>. In addition, VSI will charge CompuCredit a $.20 per transaction
fee for processing of these transactions which will also be billed monthly. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f)&nbsp;&nbsp;&nbsp;&nbsp;Consulting
Services. From time to time as mutually agreed between the Parties,, VSI will also provide other services to CompuCredit at CompuCredit's request including,
without limitation, consulting services and maintenance services with respect to both the Brain and the Switch, development of new functionalities of the Switch, and other core technology components
required by CompuCredit (collectively, the "</FONT><FONT SIZE=2><B>Consulting Services</B></FONT><FONT SIZE=2>"). VSI will bill CompuCredit for the Consulting Services on a monthly basis at the
hourly rates set forth in </FONT><FONT SIZE=2><B>Exhibit&nbsp;A</B></FONT><FONT SIZE=2>. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g)&nbsp;&nbsp;Solicitation
Services. From time to time as mutually agreed between the Parties, VSI will provide solicitation services (the "</FONT><FONT SIZE=2><B>Solicitation
Services</B></FONT><FONT SIZE=2>") for CompuCredit. VSI will bill CompuCredit for the Solicitation Services on a monthly basis at the hourly rates set forth in </FONT> <FONT SIZE=2><B><U>Exhibit&nbsp;A</U></B></FONT><FONT SIZE=2>. </FONT></P>

</UL>

<P><FONT SIZE=2>The
Pre-Screening Services, the Post-Screen Services, the Pre-Screen-One Services, the Cross-Selling Services, the Consulting Services, and the
Solicitation Services are collectively referred to herein as the "</FONT><FONT SIZE=2><B>Services</B></FONT><FONT SIZE=2>." </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>1.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Priority</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;During the Term, to the extent agreed to between the Parties, VSI's
staff, dedicated to the performance of the Services, maintained at such levels as are agreed to between the Parties from time to time pursuant to </FONT> <FONT SIZE=2><B>Section&nbsp;2.2</B></FONT><FONT SIZE=2> below, shall devote their full time to
the performance of the Services. VSI's obligation under this </FONT> <FONT SIZE=2><B>Section&nbsp;1.2</B></FONT><FONT SIZE=2> does not apply to its employees who are not hired or retained pursuant to agreement with CompuCredit pursuant to
</FONT><FONT SIZE=2><B>Section&nbsp;2.2</B></FONT><FONT SIZE=2> below. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>1.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Timetable</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Subject to the limitations set forth in this Agreement, during the
Term, VSI shall commit and utilize sufficient financial and human resources to enable itself to meet any mutually agreed deadlines and complete any tasks associated with the Services. To the extent
CompuCredit is to be responsible for any out-of-pocket costs or expenses associated with the Services, those costs or expenses must be within any budgetary guidelines mutually
agreed upon between CompuCredit and VSI. VSI and CompuCredit shall each notify the other promptly of any circumstances, when and as they arise, that may reasonably be anticipated to lead to a material
deviation from any mutually agreed deadlines associated with the Services</FONT><FONT SIZE=2><B>.</B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>1.4&nbsp;&nbsp;&nbsp;&nbsp;<U>Restriction on Certain Conflicting Activities of VSI</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;During
the period set out below, no "VSI Affiliate" (as defined below) shall, except with CompuCredit's prior written consent, directly or indirectly, within the United
States: </FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;&nbsp;&nbsp;provide
any services to or grant any licenses or rights to any Third Party that could reasonably be expected to impair or conflict with its responsibilities hereunder;
or </FONT></P>

</UL>
</UL>
<P ALIGN="CENTER"><FONT SIZE=2>3</FONT></P>

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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;&nbsp;provide
any services which are substantially similar to any component of the Services related to the Brain to or for any person or entity, other than CompuCredit, for
use in connection with the Business. </FONT></P>

</UL>
</UL>

<P><FONT SIZE=2>Notwithstanding
anything else set forth herein, CompuCredit acknowledges that VSI Affiliates provide service bureau-type services to and for entities and persons other than CompuCredit
with respect to the Switch, and that the provision of such services by a VSI Affiliate shall not be deemed to violate this </FONT><FONT SIZE=2><B>Section&nbsp;1.4.</B></FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;The
term "</FONT><FONT SIZE=2><B>VSI Affiliate</B></FONT><FONT SIZE=2>," as used herein, shall refer to any of (i)&nbsp;VSI and its officers or directors (acting in
either their corporate or individual capacity), (ii)&nbsp;Eckstein, and (iii)&nbsp;any entities that Control, are Controlled by or are under common Control with VSI or Eckstein. As used in this
Agreement, the capitalized terms "</FONT><FONT SIZE=2><B>Controls</B></FONT><FONT SIZE=2>," "</FONT><FONT SIZE=2><B>Control</B></FONT><FONT SIZE=2>" or </FONT> <FONT SIZE=2><B>"Controlled</B></FONT><FONT SIZE=2>" means the possession, directly or
indirectly, of
the power to direct or cause the direction of management and policies of such person or entity, whether through the ownership of voting securities, by contract or otherwise. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;The
obligations set forth in this </FONT><FONT SIZE=2><B>Section&nbsp;1.4</B></FONT><FONT SIZE=2> shall remain in full force and effect throughout the Term and for
two years thereafter; provided, however, that in the event the Initial Term is terminated early as a result of a material breach by CompuCredit or a termination by CompuCredit pursuant to
Section&nbsp;7.1(a)(3) below, such obligations shall terminate upon the earlier of (i)&nbsp;two years after the early termination of the Initial Term, or (ii)&nbsp;the expiration of a period of
time after the early termination of the Initial Term equal to the actual duration of the Initial Term. </FONT></P>

</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>1.5&nbsp;&nbsp;&nbsp;&nbsp;<U>Use of Third Party Consultants or Developers</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;During the Term, except as
indicated in this Agreement or agreed to by CompuCredit, VSI shall not use any Third Party (as hereinafter defined) consultants or developers to furnish the Services; provided, however, that to the
extent that CompuCredit approves retention of a Third Party consultant or developer, such consultant or developer shall execute such confidentiality and other documents reasonably required by
CompuCredit. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>1.6&nbsp;&nbsp;&nbsp;&nbsp;<U>Licenses</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;Subject
to the provisions of </FONT><FONT SIZE=2><B>Section&nbsp;1.6(d)</B></FONT><FONT SIZE=2>, below, VSI hereby grants CompuCredit a nonexclusive, nontransferable
(except as permitted under this Agreement) license to use, copy, execute, or display the Switch for internal use only during the Term,. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;CompuCredit
grants VSI a nonexclusive, nontransferable license, during the Term, to use, copy, modify, execute, display, reproduce (in any medium including firmware) and
prepare derivative works of the Switch Criteria and the Brain, but only to the extent that is necessary or appropriate to provide the Services to CompuCredit. Any derivative work of the Brain or the
Switch Criteria will be considered "work made for hire" pursuant to 17 U.S.C. &sect; 101 et seq. and will belong to CompuCredit. To the extent any derivative work does not constitute "work made
for hire," VSI hereby irrevocably and unconditionally assigns its entire right, title and interest (including, without limitation, trade secrets, patents and copyright interests) in derivative works
to CompuCredit. VSI's use of any derivative work will be subject to the same restrictions on use, reproduction and disclosure as are contained in this Agreement with respect to the Brain and the
Switch Criteria themselves. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;Under
the terms of the license granted to it in </FONT><FONT SIZE=2><B>Section&nbsp;1.6(a)</B></FONT><FONT SIZE=2> above, CompuCredit shall not be permitted to sell
or sublicense the Switch to any Third Party other than VSI or a VSI Affiliate; provided, however, that the license rights shall extend to any entities that Control CompuCredit, are Controlled by
CompuCredit or are under common Control with CompuCredit (collectively "</FONT><FONT SIZE=2><B>CompuCredit Affiliates</B></FONT><FONT SIZE=2>"), subject to the same use restrictions as are imposed on
CompuCredit by this Agreement; provided that CompuCredit shall (a)&nbsp;give VSI at least thirty (30)&nbsp;days prior written notice before allowing a CompuCredit Affiliate to use the Switch,
(b)&nbsp;require the CompuCredit Affiliate be bound to all use restrictions and confidentiality and other obligations in </FONT></P>

</UL>
<P ALIGN="CENTER"><FONT SIZE=2>4</FONT></P>

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<P><FONT SIZE=2>
this Agreement, and (c)&nbsp;provide evidence of its fulfillment of the condition in </FONT><FONT SIZE=2><B>Section&nbsp;1.6(b)</B></FONT><FONT SIZE=2> above upon VSI's request. CompuCredit and
the CompuCredit Affiliates shall be jointly and severally liable for all acts or omissions of CompuCredit or a CompuCredit Affiliate that results in a violation of this Agreement or damage to VSI as
if such acts or omissions were the acts or omissions of CompuCredit. Further, the license rights granted by VSI to CompuCredit in </FONT><FONT SIZE=2><B>Section&nbsp;1.6(a)</B></FONT><FONT SIZE=2>
above may be transferred by CompuCredit in conjunction with an assignment of this Agreement to any Third Party that purchases all or substantially all of CompuCredit's assets or to the surviving
corporation in the event of a merger between CompuCredit, subject to </FONT><FONT SIZE=2><B>Sections 1.8 and 8.6</B></FONT><FONT SIZE=2>, provided the assignee or surviving corporation agrees to be
bound by the terms and conditions of this Agreement. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&nbsp;The
license granted by VSI to CompuCredit with respect to the Switch in </FONT><FONT SIZE=2><B>Section&nbsp;1.6(a)</B></FONT><FONT SIZE=2> above shall continue in
perpetuity after the Term, unless the Term is terminated (A)&nbsp;by VSI for the material breach by CompuCredit pursuant to </FONT><FONT SIZE=2><B>Sections 7.1(a)(i)&nbsp;or
(ii)</B></FONT><FONT SIZE=2> below, or (B)&nbsp;by CompuCredit without cause pursuant to </FONT><FONT SIZE=2><B>Section&nbsp;7.1(a)</B></FONT><FONT SIZE=2> or </FONT> <FONT SIZE=2><B>Section&nbsp;7.1(a)(iii)</B></FONT><FONT SIZE=2> below. In the
event that the license granted in </FONT><FONT SIZE=2><B>Section&nbsp;1.6(a)</B></FONT><FONT SIZE=2>
continues beyond the Term pursuant to the provisions of this </FONT><FONT SIZE=2><B>Section&nbsp;1.6(d)</B></FONT><FONT SIZE=2>, CompuCredit shall continue to comply with all restrictions and
confidentiality obligations applicable to the license and the Switch as set forth in this Agreement, and all representations, warranties, covenants or other obligations, including, without limitation,
indemnification obligations, of VSI with respect to the license or the Switch, shall terminate upon the termination of the Term; provided, however, that if any claim for indemnification pursuant to </FONT> <FONT SIZE=2><B>Section&nbsp;5.1(a)
</B></FONT><FONT SIZE=2>arises during the Term, said claim shall continue for one year after the Term pursuant to </FONT> <FONT SIZE=2><B>Section&nbsp;5.1(g)</B></FONT><FONT SIZE=2>. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp;&nbsp;CompuCredit
may elect to purchase a perpetual, nonexclusive, non-transferable license to use the source code to the Switch (the
"</FONT><FONT SIZE=2><B>Source Code</B></FONT><FONT SIZE=2>") at a price equal to twenty (20)&nbsp;times the gross licensing fees received by VSI from licensing the Switch to persons or entities
other than CompuCredit during the one year period immediately preceding the event triggering such election, as defined below. CompuCredit may exercise its election within 60&nbsp;days after:
(i)&nbsp;the death or incapacity of Eckstein, or (ii)&nbsp;a termination of the Term by CompuCredit pursuant to </FONT><FONT SIZE=2><B>Section&nbsp;7.1(a)(i)</B></FONT><FONT SIZE=2> or </FONT> <FONT SIZE=2><B>Section&nbsp;7.1(a)(ii)</B></FONT><FONT
SIZE=2> as a result of a material breach by VSI. Eckstein shall be deemed incapacitated if he suffers from a physical or mental
condition that renders him incapable of continuing as an active employee or consultant to VSI for a period in excess of one hundred eighty (180)&nbsp;consecutive days. If CompuCredit timely elects
to purchase such license, then for so long as such license remains in effect, CompuCredit shall be entitled to use, copy and create derivative works of such Source Code only as necessary to support
and maintain the Switch; provided that any derivative works of the Source Code developed by CompuCredit pursuant to this Section shall be owned by VSI and any software compiled from the modified
Source Code shall nonetheless remain subject to the same restrictions on use, reproduction and disclosure as are contained in this Agreement with respect to the Switch itself. CompuCredit is otherwise
prohibited from permitting any Third Parties from accessing the Source Code or from disclosing, marketing or otherwise reselling or distributing such Source Code, whether modified or not modified. </FONT></P>

</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>1.7&nbsp;&nbsp;&nbsp;&nbsp;<U>Right of First Refusal</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;During the Term, VSI will not sell, transfer, divide,
convey or give away ownership of all or any portion of the Switch to a Third Party without first giving CompuCredit a right of first refusal (the "</FONT><FONT SIZE=2><B>Right of First
Refusal</B></FONT><FONT SIZE=2>") to acquire such items on terms and conditions substantially the same as those that would apply to the Third Party. VSI shall give CompuCredit at least thirty
(30)&nbsp;days to exercise its Right of First Refusal. Notwithstanding the foregoing, the Parties agree that
CompuCredit shall have no Right of First Refusal if any portion of the Switch is transferred by VSI to a wholly-owned subsidiary of VSI or to Mcap Partners II, LLC, a Georgia limited liability company
("</FONT><FONT SIZE=2><B>Mcap</B></FONT><FONT SIZE=2>"</FONT><FONT SIZE=2><B>)</B></FONT><FONT SIZE=2>, in connection with an assignment of this Agreement by VSI permitted by </FONT> <FONT SIZE=2><B>Section&nbsp;8.6</B></FONT><FONT SIZE=2> hereof;
provided, however, that such subsidiary shall be subject to the terms of this Section with respect to any further transfers. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>5</FONT></P>

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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>1.8&nbsp;&nbsp;&nbsp;&nbsp;<U>Processing Charges</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;In the event of an assignment or transfer by CompuCredit as
described in </FONT><FONT SIZE=2><B>Section&nbsp;8.6</B></FONT><FONT SIZE=2> below, VSI agrees not to charge the purchaser or the successor entity, as the case may be, any transaction fee for use
of the Switch or any other System component that is more than the lesser of $.20 per transaction or the lowest rate charged by VSI to any other party. Such rate shall be effective for one year after
the assignment of this Agreement. </FONT></P>

<P><FONT SIZE=2><B>2.&nbsp;&nbsp;&nbsp;&nbsp;<U>Project Management and Meetings</U>  </B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>2.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Project Management</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;The contact person for CompuCredit shall be its Chief
Technology Officer, whose address, telephone and facsimile numbers are: </FONT></P>

<UL>
<UL>
<UL>
<UL>

<P><FONT SIZE=2>One
Ravinia Drive, Suite 500<BR>
Atlanta, Georgia 30346<BR>
Telephone: (770)&nbsp;206-6200<BR>
Facsimile: (770)&nbsp;206-6181 </FONT></P>

</UL>
</UL>
</UL>
</UL>

<P><FONT SIZE=2>and
the contact person for VSI shall be Eckstein, whose address, telephone and facsimile numbers are: </FONT></P>

<UL>
<UL>
<UL>
<UL>

<P><FONT SIZE=2>James
A. Eckstein<BR>
Visionary Systems,&nbsp;Inc.<BR>
550 Pharr Road<BR>
Suite 525<BR>
Atlanta, GA 30305<BR>
Telephone: (404)&nbsp;504-9006<BR>
Facsimile: (404)&nbsp;504-9020 </FONT></P>

</UL>
</UL>
</UL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>2.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Status Meetings</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;During the Term, the Parties will meet at mutually agreeable
times and locations to discuss matters related to the Services. This will include, at a minimum, quarterly meetings to establish budgetary guidelines and annual meetings to establish VSI's staffing
level for solicitation, screening, software development and maintenance, and other related services. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>2.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Project Site</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;During the Term, CompuCredit shall provide VSI, at no cost, with
mutually acceptable office space in CompuCredit's data-processing facilities (the "</FONT><FONT SIZE=2><B>Project Site</B></FONT><FONT SIZE=2>") and access to the System for VSI in order
to provide the Services. VSI will not be permitted to access the System from any location other than the Project Site, except under mutually agreed upon terms. CompuCredit shall have no responsibility
for compensating or providing any rights or benefits to any contractors, agents, employees or personnel of VSx or VSI other than any express obligations to Eckstein under this Agreement. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>2.4&nbsp;&nbsp;&nbsp;&nbsp;<U>Staffing Levels</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;CompuCredit shall have the right to review the staffing, and
costs of staffing, of VSI's operational support services provided hereunder prior to any budgetary meeting between the Parties, and to request reasonable revision of the staffing levels and cost of
staffing for such services. VSI shall accommodate any reasonable request made by CompuCredit pursuant to this Section&nbsp;2.4. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>2.5&nbsp;&nbsp;&nbsp;&nbsp;<U>General</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;During the Term, CompuCredit shall cooperate and provide information
reasonably necessary for the timely completion of the Services. The Parties acknowledge that VSI's performance hereunder is contingent on CompuCredit's timely and effective performance of its
responsibilities and its timely decisions and approvals. To the extent required, CompuCredit shall be responsible for providing VSI with data, information, office space and support materials as
reasonably required by VSI to perform its duties hereunder. </FONT></P>

<P><FONT SIZE=2><B>3.&nbsp;&nbsp;&nbsp;&nbsp;<U>Obligations of Eckstein and VSI</U>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>3.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Services</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Eckstein shall make himself available to CompuCredit for a mutually
agreeable period of time, which shall in no event be less than one (1)&nbsp;year from the Effective Date, to serve as a </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>6</FONT></P>

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<P><FONT SIZE=2>
consultant to CompuCredit at a rate of $300 per working hour. Eckstein will be available to CompuCredit for this consulting work for at least forty hours per month. There will be no
carry-over of unused hours in one month to another month. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>3.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Guarantee</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Without limiting the scope of his individual obligations or his
liability for the failure to perform such obligations, Eckstein hereby guarantees the full and complete performance by VSI and the VSI Affiliates (other than Eckstein) of each of their obligations
under </FONT><FONT SIZE=2><B>Sections 1.4, 6.2, and 6.3(a)</B></FONT><FONT SIZE=2>
of this Agreement, provided, however, that, except to the extent Eckstein is responsible, through his own intentional acts or omissions, for any such breach or violation, Eckstein shall only be
responsible for a material and intentional breach or violation by VSI or any VSI Affiliate under </FONT><FONT SIZE=2><B>Sections 1.4; 6.2; and 6.3(a)</B></FONT><FONT SIZE=2> of the Agreement. Except
to the extent Eckstein is responsible, through his own intentional acts or omissions, for any such breach or violation, Eckstein's liability pursuant to this Section is limited to the lesser of
CompuCredit's actual losses resulting from such material and intentional breach or violation by VSI or any VSI Affiliate or the amount actually paid by CompuCredit during the Term for the Services,
reduced, in either case, by any amounts received by CompuCredit from VSI for such breach. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>3.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Limitations on Transfers or Issuances of Shares</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Eckstein and VSI agree that the
covenants set out in this </FONT><FONT SIZE=2><B>Section&nbsp;3.3</B></FONT><FONT SIZE=2> shall be applicable to them during the Term: </FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;Except
as otherwise provided in this Agreement or as consented to by CompuCredit, Eckstein or persons or entities Controlled by Eckstein will continue to own a majority
of the outstanding voting shares of VSI; </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;Eckstein
will not sell any of his shares of VSI to any Third Party unless he first gives CompuCredit the right to purchase such shares for the same purchase price and on
the same terms; provided, however, Eckstein shall be entitled to transfer shares of VSI which he owns to his spouse, lineal descendants or a trust solely for his and/or their benefit or to persons or
entities Controlled by him or VSI, so long as such transferees agree in writing that VSI and such transferee shall continue to be bound by the provisions of this Agreement as if such shares were still
owned by Eckstein; </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;VSI
will not transfer, sell or issue any of its shares to any Third Party unless it first gives CompuCredit the right to purchase such shares for the same purchase price
and on the same terms; provided, however, (i)&nbsp;VSI shall be entitled to transfer, sell or issue its shares to persons or entities Controlled by it or Eckstein, so long as such transferees agree
in writing that VSI and such transferee shall continue to be bound by the provisions of this Agreement for the remainder of the Term as if such shares were owned by Eckstein, and (ii)&nbsp;VSI shall
be entitled to transfer up to twenty percent (20%) of its outstanding shares to its employees as restricted stock or pursuant to the exercise of stock options; and </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&nbsp;VSI
will not transfer any of its material assets which are necessary for the performance of the Services to any Third Party unless it first gives CompuCredit the right
to purchase such assets for the same purchase price and on the same terms. </FONT></P>

</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>3.4&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance by VSI</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;During the Term, VSI will comply with all policies,
procedures and regulations required by Third Party data providers including, but not limited to, the Credit Bureaus</FONT><FONT SIZE=2><B>.</B></FONT></P>

<P><FONT SIZE=2><B>4.&nbsp;&nbsp;&nbsp;&nbsp;<U>Compensation</U>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>4.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Monthly Payments</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;On or before the tenth (10<SUP>th</SUP>) day of each
calendar month during the Term, CompuCredit shall pay VSI the following fees accrued in the previous month: (a)&nbsp;a per-hour fee for time spent by VSI personnel at rates set forth in </FONT> <FONT SIZE=2><B><U>Exhibit&nbsp;A</U></B></FONT><FONT
SIZE=2>, (b)&nbsp;if approved in advance by CompuCredit pursuant to </FONT> <FONT SIZE=2><B>Section&nbsp;1.5</B></FONT><FONT SIZE=2>, the fees of agents and contractors retained by VSI to perform the
 </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>7</FONT></P>

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<P><FONT SIZE=2>
Services during the preceding month, and (c)&nbsp;the per-transaction fees as set out in </FONT><FONT SIZE=2><B>Sections 1.1(d) and (e)</B></FONT><FONT SIZE=2> above. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>4.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Costs and Expenses</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;CompuCredit shall reimburse VSI for any documented,
necessary and reasonable travel, lodging or other out-of-pocket expense reasonably incurred by VSI solely in connection with performing the Services. CompuCredit must
pre-approve any single expense of VSI amounting to more than Five Hundred Dollars ($500) to the extent that VSI wishes to seek reimbursement for such amounts. VSI shall provide CompuCredit
with reasonable documentation to support and verify any expenses submitted for reimbursement pursuant to this Section. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>4.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Late Fees; Taxes</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;CompuCredit will pay VSI a late fee on all overdue amounts,
fees, expenses or other payments due from CompuCredit to VSI pursuant to this Agreement at the rate of one and one-half percent (1<SUP>1</SUP>/<SMALL>2</SMALL>%) per month, or the maximum rate
allowable by law, whichever is less, commencing with the date payment was due. The payments referred to in the preceding sentence are net amounts due from CompuCredit to VSI, exclusive of all sales,
VAT, excise, ad valorem, and use taxes, (collectively, the "</FONT><FONT SIZE=2><B>Taxes</B></FONT><FONT SIZE=2>") CompuCredit shall be responsible for and shall pay directly, any and all Taxes
relating to the performance of this Agreement, provided that this paragraph shall not apply to taxes based solely on VSI's income. </FONT></P>

<P><FONT SIZE=2><B>5.&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations, Warranties and Indemnities</U>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>5.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties of VSI.</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;VSI hereby represents and warrants to
CompuCredit that: </FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;The
Switch and work product to be used by VSI in connection with the Services, including all material, works, writing, ideas or dialogue written, submitted or
interpolated in and for the Switch or the Services, are VSI's original work or will be work acquired and owned by VSI (except for material in
the public domain). The Switch does not infringe upon or violate any Third Party Intellectual Property Right (as that term is defined below). </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;Neither
VSI's nor any VSI Affiliate's performance of its obligations under this Agreement will trigger or constitute a breach of any of its legal or contractual
obligations. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;VSI
and each VSI Affiliate is fully authorized to enter into and fully perform its obligations under this Agreement. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&nbsp;At
the time it was delivered to CompuCredit, the Switch did not include (i)&nbsp;any software code that is designed to be capable of disabling or
self-limiting the program or other computer hardware or software, including, without limitation, locks, time bomb, and trap doors, (ii)&nbsp;any malicious software code that is designed
to cause damage to or deplete the resources of any computer hardware or software by self-duplicating, altering any files or otherwise, including, without limitation, viruses, Trojan
horses, worms, or (iii)&nbsp;any hidden communication capacity not reflected in the documentation. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp;&nbsp;VSI
covenants that during the Term, the Switch will accurately process not less than ninety-five percent (95%) of the transactions processed. For any month
during which the Switch fails to achieve that percentage of accuracy, CompuCredit will not be obligated to pay VSI the fees for the Services described in </FONT><FONT SIZE=2><B>Sections 1.1(b), (c),
(d)&nbsp;and (e)</B></FONT><FONT SIZE=2>. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f)&nbsp;&nbsp;&nbsp;&nbsp;VSI
covenants that during the Term, it will perform the Solicitation Services accurately at least ninety-five percent (95%) of the time. For any month during
which the Solicitation Services are not performed to at least that degree of accuracy, CompuCredit will not be obligated to pay VSI the fee for the Solicitation Services. </FONT></P>

</UL>
<P ALIGN="CENTER"><FONT SIZE=2>8</FONT></P>

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<UL>
<BR>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g)&nbsp;&nbsp;VSI
covenants that during the Term, it will comply with CompuCredit's Vendor Minimum Standards set forth in </FONT> <FONT SIZE=2><B>Exhibit&nbsp;C</B></FONT><FONT SIZE=2>, as the same may be amended by CompuCredit, in its reasonable discretion from time
to time, in performing the services. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h)&nbsp;&nbsp;THE
LIMITED WARRANTIES STATED ABOVE ARE IN LIEU OF ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, GIVEN BY VSI IN CONNECTION WITH THE SERVICES AND THE SWITCH, INCLUDING,
WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;&nbsp;&nbsp;Any
claims made under this </FONT><FONT SIZE=2><B>Section&nbsp;5.1</B></FONT><FONT SIZE=2> shall be made during the Term or within three (3)&nbsp;years thereafter. </FONT></P>

</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>5.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties of CompuCredit.</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;CompuCredit represents and
warrants to VSI and Eckstein that: </FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;CompuCredit
owns or has acquired rights to all proprietary interests in the Switch Criteria and any data or other materials provided hereunder necessary to grant to VSI
the Intellectual Property Rights (as that term is defined below) set forth in this Agreement, and that provision of the Switch Criteria, data or other materials related thereto by CompuCredit or any
CompuCredit Affiliate to VSI does not and will not infringe or violate any Third Party Intellectual Property Right or other proprietary right of any Third Party, including rights of publicity and
privacy, or any foreign, federal, state or local law, rule or regulation. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;Neither
CompuCredit's nor any CompuCredit Affiliate's performance of its obligations under this Agreement will trigger or constitute a breach of any legal or contractual
obligation of CompuCredit. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;CompuCredit
(and each CompuCredit Affiliate) is fully authorized to enter into and fully perform its obligations under this Agreement. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&nbsp;CompuCredit
has purchased or licensed all the necessary third party computer hardware and software which may be required to develop and operate the System and VSI has
the right to use such third party hardware and software to which VSI will be given access hereunder. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp;&nbsp;Any
claims made under this </FONT><FONT SIZE=2><B>Section&nbsp;5.2</B></FONT><FONT SIZE=2> shall be made either during the Term or within three (3)&nbsp;years
thereafter. </FONT></P>

</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>5.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnifications</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;VSI
shall (i)&nbsp;indemnify and hold harmless CompuCredit, its officers, directors and CompuCredit Affiliates (collectively, the "</FONT><FONT SIZE=2><B>CompuCredit
Parties</B></FONT><FONT SIZE=2>") from and against any liability, cost, loss or expense of any kind (including but not limited to attorneys fees and court costs), and (ii)&nbsp;defend, through use
of legal counsel chosen by VSI, any suit or proceeding against a CompuCredit Party, in the case of both (i)&nbsp;and (ii), arising out of or based on any claim, demand or action alleging that the
Switch or any other product or item of intellectual property licensed or provided by VSI to CompuCredit pursuant to this Agreement ("</FONT><FONT SIZE=2><B>VSI Intellectual
Property</B></FONT><FONT SIZE=2>") infringes any Third Party Intellectual Property Right (as that term is defined below) or arising out of or based on any material breach by VSI of Section&nbsp;5.1.
VSI
shall have no obligations hereunder to the extent that such claim, demand or action arises from or occurs as a result of: (i)&nbsp;the use of the product or item of VSI Intellectual Property by any
CompuCredit Party in combination with any other hardware, platform, device, program, software or other item unless VSI either (A)&nbsp;specifically recommended such combined use or (B)&nbsp;knew
or should have known that such combined use by CompuCredit was normal and customary under the circumstances; (ii)&nbsp;the failure of CompuCredit to implement changes, replacements, or new releases
recommended by VSI and made available to CompuCredit at no cost or a nominal cost, where such claim, demand or action would have been avoided by such changes, replacements or new releases; or
(iii)&nbsp;any modifications </FONT></P>

</UL>
<P ALIGN="CENTER"><FONT SIZE=2>9</FONT></P>

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<UL>

<P><FONT SIZE=2>
or changes made to the Switch by or at the specific instruction of CompuCredit. This </FONT><FONT SIZE=2><B>Section&nbsp;5.3(a)</B></FONT><FONT SIZE=2> states the entire liability of VSI with
respect to infringement of any Third Party Intellectual Property Rights, and VSI shall have no additional liability with respect to any alleged or proven infringement. In addition, VSI shall not have
any liability under this </FONT><FONT SIZE=2><B>Section&nbsp;5.3</B></FONT><FONT SIZE=2> or otherwise to CompuCredit for any liability, cost, loss or expense of any kind arising out of or based on
any actual or alleged violation of the Fair Credit and Reporting Act ("</FONT><FONT SIZE=2><B>FCRA</B></FONT><FONT SIZE=2>") and the Gramm-Leach-Bliley Act
("</FONT><FONT SIZE=2><B>GLBA</B></FONT><FONT SIZE=2>"). </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;If
VSI is obligated to indemnify a CompuCredit Party pursuant to Section&nbsp;5.3(a) above, or if VSI reasonably believes that it will become obligated to indemnify a
CompuCredit Party pursuant to Section&nbsp;5.3(a) above, then VSI, at its own option and expense, shall take one of the following remedial actions: (i)&nbsp;procure for the CompuCredit Party the
right to continue using the infringing product or item of VSI Intellectual Property from the Third Party owning the Third Party Intellectual Property Right which is allegedly being infringed upon; or
(ii)&nbsp;replace the allegedly infringing product or item of VSI Intellectual Property with one that is not infringing, and which is the functional equivalent of the infringing product or item. In
the event that VSI is unable to achieve either of such remedial actions at a commercially reasonable cost, it shall allow CompuCredit to attempt to perform either of said remedial actions at VSI's
cost so long as such cost does not exceed the royalty or fee charged by any Third Party, from whom CompuCredit obtains such right, to other Third Parties. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;CompuCredit
shall (i)&nbsp;indemnify and hold harmless VSI, its officers, directors and affiliated entities (collectively, the "</FONT><FONT SIZE=2><B>VSI
Parties</B></FONT><FONT SIZE=2>") from and against any liability, cost, loss or expense of any kind (including but not limited to attorneys fees and court costs), and (ii)&nbsp;defend, through use
of legal counsel chosen by CompuCredit, any suit or proceeding against a VSI Party, in the case of both (i)&nbsp;and (ii)&nbsp;arising out of or based on any claim, demand or action alleging any
violation of or otherwise relating to the FCRA or the GLBA. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&nbsp;CompuCredit
shall (i)&nbsp;indemnify and hold harmless the VSI Parties from and against any liability, cost, loss or expense of any kind (including but not limited to
attorneys fees and court costs), and (ii)&nbsp;defend, through use of legal counsel chosen by CompuCredit any suit or proceeding against a VSI Party, in the case of both (i)&nbsp;and (ii), arising
out of or based on any material breach by CompuCredit or any CompuCredit Affiliate of either </FONT><FONT SIZE=2><B>Section&nbsp;5.2</B></FONT><FONT SIZE=2> or </FONT> <FONT SIZE=2><B>Section&nbsp;8.9</B></FONT><FONT SIZE=2>. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp;&nbsp;The
rights of a Party under this </FONT><FONT SIZE=2><B>Section&nbsp;5.3</B></FONT><FONT SIZE=2> to be indemnified as set forth herein shall be subject to all of the
following: (a)&nbsp;the Party to be indemnified (the "</FONT><FONT SIZE=2><B>Indemnified Party</B></FONT><FONT SIZE=2>") must notify the other
Party (the "</FONT><FONT SIZE=2><B>Indemnifying Party</B></FONT><FONT SIZE=2>") in writing promptly upon learning that such claim has been or may be asserted, (b)&nbsp;the Indemnifying Party shall
have sole control over the defense of such claim and any negotiations for the settlement or compromise thereof, unless any settlement could have a material adverse effect on the operations of the
other Party, in which case the consent of the other Party to such settlement shall be required, and (c)&nbsp;the Indemnified Party shall provide reasonable assistance and cooperation to the
Indemnifying Party to facilitate the settlement or defense of any such claim. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f)&nbsp;&nbsp;&nbsp;&nbsp;The
indemnification obligations set forth herein shall survive during the Term and for one (1)&nbsp;year thereafter. </FONT></P>

</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>5.4&nbsp;&nbsp;&nbsp;&nbsp;<U>Limitation of Liability</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;UNDER NO CIRCUMSTANCES SHALL ANY PARTY BE RESPONSIBLE
TO THE OTHER PARTY FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR INCURRED IN CONNECTION WITH THIS AGREEMENT OR ANY ACTS OR OMISSIONS ASSOCIATED THEREWITH OR RELATING
TO THE SERVICES OR THE SWITCH, REGARDLESS OF WHETHER SUCH CLAIM IS BASED ON BREACH OF WARRANTY, CONTRACT, TORT OR OTHER LEGAL THEORY AND REGARDLESS OF THE CAUSES OF SUCH LOSS OR DAMAGES OR WHETHER ANY </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>10</FONT></P>

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<P><FONT SIZE=2>
OTHER REMEDY PROVIDED HEREIN FAILS, NOR SHALL A PARTY'S TOTAL LIABILITY TO THE OTHER (EXCLUDING THIRD-PARTY INDEMNITY LIABILITIES) EXCEED $1,000,000.00. The foregoing limitations of liability shall
not apply to breaches of </FONT><FONT SIZE=2><B>Section&nbsp;1.4, 1.6</B></FONT><FONT SIZE=2> or </FONT><FONT SIZE=2><B>6.2.</B></FONT></P>

<P><FONT SIZE=2><B>6.&nbsp;&nbsp;&nbsp;&nbsp;<U>Ownership and Proprietary Rights; Limited License Back</U>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>6.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Ownership</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;For
purposes of this Agreement the term: (i)&nbsp;"</FONT><FONT SIZE=2><B>Intellectual Property</B></FONT><FONT SIZE=2>" means and includes (regardless of whether
capitalized or lower case) shall mean collectively (A)&nbsp;copyrights, copyright registrations or applications, trademarks (and the goodwill associated therewith), trademark registrations or
applications (and the goodwill associated therewith), moral rights, and any other rights to any form or medium of expression, (B)&nbsp;Trade Secrets (as defined in </FONT> <FONT SIZE=2><B>Section&nbsp;6.2(b)</B></FONT><FONT SIZE=2>), privacy rights,
and any other protection for confidential information or ideas, (C)&nbsp;patents, patent registrations and
patent applications, and (D)&nbsp;any items, information or theories which are protectable or registrable under any other similar laws; (ii)&nbsp;"</FONT><FONT SIZE=2><B>Intellectual Property
Rights</B></FONT><FONT SIZE=2>" means and includes any rights of a person or entity in Intellectual Property; (iii)&nbsp;</FONT><FONT SIZE=2><B>"Third Party</B></FONT><FONT SIZE=2>" means any
person or entity which is not a Party; and (iv)&nbsp;</FONT><FONT SIZE=2><B>"Third Party Intellectual Property Rights</B></FONT><FONT SIZE=2>" means and refers to Intellectual Property Rights owned
by a Third Party, other than a VSI Affiliate or a CompuCredit Affiliate. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;Subject
to all rights granted or applicable to VSI in this Agreement, the Parties acknowledge and agree that the Switch Criteria and all Intellectual Property Rights
associated therewith is currently owned and shall continue to be owned by CompuCredit. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;Subject
to all rights granted or applicable to CompuCredit in this Agreement, the Parties acknowledge and agree that VSI owns and will, after the termination of this
Agreement, continue to own the Switch and all </FONT><FONT SIZE=2><B>Intellectual Property</B></FONT><FONT SIZE=2> associated therewith. </FONT></P>

</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>6.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Non-Disclosure Covenant</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;Each
Party acknowledges that in the course of its performance of its duties under this Agreement and the Original Agreement it may be exposed to certain "Confidential
Information" and "Trade Secrets" (both as defined in paragraph&nbsp;(b) of this </FONT><FONT SIZE=2><B>Section&nbsp;6.2</B></FONT><FONT SIZE=2>) of the other Party, and that its unauthorized use
or disclosure of such information or data could cause immediate and irreparable harm to the Party whose information is misused or disclosed. Accordingly, except to the extent that it is necessary to
use such information or data to perform its express obligations under this Agreement, no Party shall (and each Party shall take diligent measures to ensure that none of its employees, other personnel
or affiliates shall), without the express prior written consent of the other Party, disclose or divulge or use, modify or copy, directly or indirectly, in any way for any person or entity:
(i)&nbsp;any of another Party's Confidential Information during the Term and for three (3)&nbsp;years thereafter; and (ii)&nbsp;any of another Party's Trade Secrets at any time during which such
information shall constitute a Trade Secret. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;For
purposes of this Agreement, "</FONT><FONT SIZE=2><B>Confidential Information</B></FONT><FONT SIZE=2>" means valuable and proprietary non-public business
information or data, other than Trade Secrets, and "</FONT><FONT SIZE=2><B>Trade Secret</B></FONT><FONT SIZE=2>" means information (including, but not limited to, confidential business information,
technical or non-technical data, formulas, patterns, compilations, programs, devices, methods, techniques, drawings, processes, financial data, financial plans, product plans, lists of
actual or potential customers or suppliers) of or about a Party that: (i)&nbsp;derives economic value, actual or potential, from not being generally known to, and not being readily ascertainable by
proper means by, other persons who can obtain economic value from its disclosure or use; and (ii)&nbsp;is the subject of efforts that are reasonable under the circumstances to maintain its secrecy.
Each Party agrees to use reasonable efforts to identify any information disclosed to the other as Confidential Information or Trade </FONT></P>

</UL>
<P ALIGN="CENTER"><FONT SIZE=2>11</FONT></P>

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<UL>
<BR>

<P><FONT SIZE=2>
Secrets; provided, however, that failure to do so shall not eliminate or lessen the other Party's responsibilities or obligations hereunder. </FONT></P>

</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>6.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Non-Interference Covenant</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;During
the Term and for a period of twelve (12)&nbsp;months thereafter, neither VSI, Eckstein nor any VSI Affiliate shall, without the written permission of
CompuCredit: (i)&nbsp;solicit any entity that VSI is aware is or has been a client or customer or an actively sought prospective client or customer of CompuCredit during the twelve months prior to
the end of this Agreement (a "</FONT><FONT SIZE=2><B>CompuCredit Customer</B></FONT><FONT SIZE=2>") for the purposes of providing the CompuCredit Customer or having the CompuCredit Customer provided
with services or products substantially similar to those offered by CompuCredit to such CompuCredit Customer; or (ii)&nbsp;solicit any employee, contractor or other personnel of CompuCredit to
terminate a contractual relationship with CompuCredit or to sever an affiliation with CompuCredit in order to affiliate with a CompuCredit Competitor; provided, however, that this </FONT> <FONT SIZE=2><B>Section&nbsp;6.3(a)</B></FONT><FONT SIZE=2>
will no longer apply following any termination of this Agreement by VSI for cause pursuant to </FONT> <FONT SIZE=2><B>Section&nbsp;7.1(a)(i)&nbsp;or (ii)</B></FONT><FONT SIZE=2>. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;During
the Term and for a period of twelve (12)&nbsp;months thereafter, CompuCredit shall not (i)&nbsp;solicit any person or entity that was a client or customer or
actively sought prospective client or customer of VSI during the twelve months prior to the end of the Agreement (a "</FONT><FONT SIZE=2><B>VSI Customer</B></FONT><FONT SIZE=2>") for the purposes of
providing the VSI Customer or having the VSI Customer provided with services or products substantially similar to those offered by VSI to such VSI Customer, or (ii)&nbsp;solicit any employee,
contractor or other personnel of VSI to terminate a contractual relationship with VSI or to sever an affiliation with VSI in order to affiliate with any CompuCredit Party, provided, however, that this </FONT> <FONT SIZE=2><B>Section&nbsp;6.3(b)
</B></FONT><FONT SIZE=2> will no longer apply following any termination of this Agreement by CompuCredit pursuant to </FONT> <FONT SIZE=2><B>Section&nbsp;7.1(a)(i)&nbsp;or (ii)</B></FONT><FONT SIZE=2>.
 </FONT></P>

</UL>

<P><FONT SIZE=2><B>7.&nbsp;&nbsp;&nbsp;&nbsp;<U>Term and Termination</U>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>7.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Term and Termination</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;The
term of this Agreement (the "</FONT><FONT SIZE=2><B>Term</B></FONT><FONT SIZE=2>") shall commence on the Effective Date and shall continue for a period of three
years ("</FONT><FONT SIZE=2><B>Initial Term</B></FONT><FONT SIZE=2>"). Thereafter, the Term shall continue until terminated as of the end of a calendar month by advance notice of at least thirty
(30)&nbsp;days by either Party to the other. Notwithstanding the foregoing, the Term may be terminated early upon the occurrence of any of the following events: </FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;&nbsp;&nbsp;if
either Party materially breaches any of its obligations under this Agreement (other than its obligations under </FONT><FONT SIZE=2><B>Sections 1.4, 6.2, or
6.3</B></FONT><FONT SIZE=2>) and fails to cure such breach within thirty days after notice of such breach from the other Party, the other Party may terminate the Term immediately upon notice; </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;&nbsp;in
the event of a material breach by either Party of its obligations under </FONT><FONT SIZE=2><B>Sections 1.4, 6.2</B></FONT><FONT SIZE=2>, or </FONT> <FONT SIZE=2><B>6.3</B></FONT><FONT SIZE=2>, immediately upon notice by the other Party; or
</FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)&nbsp;&nbsp;by
CompuCredit upon at least ninety (90)&nbsp;days prior written notice to VSI; provided, however, that CompuCredit shall not be entitled to a refund of any monies
paid hereunder in this case. </FONT></P>

</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;Upon
any termination of the Term, (i)&nbsp;CompuCredit shall promptly return all property of VSI to VSI, including but not limited to any Confidential Information and
Trade Secrets; (ii)&nbsp;VSI shall promptly return all such property of CompuCredit to CompuCredit; and (iii)&nbsp;CompuCredit shall promptly pay VSI for any Services performed up to the date of
such termination; provided, however, in the event that the Term is terminated as a result of a material breach by either party, </FONT></P>

</UL>
<P ALIGN="CENTER"><FONT SIZE=2>12</FONT></P>

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<UL>

<P><FONT SIZE=2>
this provision shall have no effect upon the other party's rights to damages or other relief as a result of such breach. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;The
representations, warranties and covenants set out in </FONT><FONT SIZE=2><B>Sections&nbsp;5.1, 5.2 and 5.3</B></FONT><FONT SIZE=2> shall only survive the
termination of the Term for a period of three years. </FONT></P>

</UL>

<P><FONT SIZE=2><B>8.&nbsp;&nbsp;&nbsp;&nbsp;<U>Miscellaneous</U>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>8.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Severability</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;If any provision in this Agreement or any application of those
provisions is found invalid, illegal or unenforceable in any respect, then the validity, legality and enforceability of the remaining provisions in this Agreement and any other applications of such
provision and the remaining provisions will not in any way be affected or impaired by such invalidity, illegality or unenforceability. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>8.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Choice of Law, Interpretation</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;The validity, construction, and enforcement of
this agreement, and the determination of the rights and duties of the Parties, will be governed by the laws of the State of Georgia (exclusive of any choice of law or other provision that would result
in the application of the laws of any other jurisdiction). </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>8.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;All notices and other communications required or permitted under this
Agreement will be in writing (including a facsimile) and will be deemed given when either delivered personally, via facsimile, or five days after being deposited in the United States mail, postage
prepaid and addressed as set forth in </FONT><FONT SIZE=2><B>Section&nbsp;2.1</B></FONT><FONT SIZE=2>, or to such other address as each Party may designate in writing to the address set forth on
the signature page or any succession address specified by such Party to the other Parties in accordance herewith. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>8.4&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendments and Waiver</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;No amendment, change, or modification of this Agreement
or any of the terms, conditions or provisions hereof, and no waiver of a right, remedy, privilege or power, or discharge of an obligation or liability, conferred upon, vested in, or imposed upon any
Party under or pursuant to this Agreement, and no consent to any act or omission pertaining hereto will be effective unless embodied in a written instrument signed by both Parties. No failure to
exercise and no delay in exercising any right, remedy, privilege, or power under or pursuant to this Agreement will operate as a waiver thereof; nor will any single or partial exercise of any right,
remedy, privilege, or power provided for under or pursuant to this Agreement by either Party hereto preclude or limit such Party from any other or further exercise thereof or from pursuing any other
right, remedy, privilege, or power available pursuant to this Agreement, at law, in equity or otherwise. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>8.5&nbsp;&nbsp;&nbsp;&nbsp;<U>Relationship between Parties</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;The Parties acknowledge that the Parties will
perform its obligations hereunder as independent contractors and not as joint venturers or partners or in any other capacity inconsistent with an independent contractor capacity. VSI's employees and
agents, if any, are not CompuCredit's employees or agents, and will have no authority to bind CompuCredit by contract or otherwise, and CompuCredit's employees and agents, if any, are not VSI's
employees or agents, and will have no authority to bind VSI by contract or otherwise Nothing contained herein will be construed as creating any agency, partnership, joint venture or other form of
joint enterprise among the Parties. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>8.6&nbsp;&nbsp;&nbsp;&nbsp;<U>Assignment</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Except as specifically permitted in this Agreement, neither Party
may assign any of its rights or delegate any of its duties under this Agreement to any Third Party without the prior written consent of the other Party. Notwithstanding the foregoing,
(A)&nbsp;CompuCredit shall not unreasonably withhold consent if VSI wishes to assign its rights under this Agreement to a wholly-owned subsidiary of VSI or Mcap in connection with a transfer of all
property (including all Intellectual Property) associated with the Switch to such subsidiary; and (B)&nbsp;VSI shall not unreasonably withhold consent if CompuCredit wishes to assign its rights
under this Agreement to a wholly-owned subsidiary of CompuCredit in connection with a transfer of all property (including all Intellectual Property) associated with the Brain and the Switch Criteria
to such subsidiary. Notwithstanding anything to the </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>13</FONT></P>

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<BR>

<P><FONT SIZE=2>
contrary contained in any Section of this Agreement, any transferee or assignee of all or any portion of any Party's rights hereunder must agree in writing to be bound by the terms of this Agreement. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>8.7&nbsp;&nbsp;&nbsp;&nbsp;<U>Entire Agreement</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;This Agreement, together with any and all Exhibits and other
attachments attached to or associated with this Agreement (each of which is hereby incorporated by reference into the body of this Agreement), constitutes the entire agreement among the Parties with
respect to the subject matter hereof, and supersedes any prior statement or writing not a part of this Agreement or otherwise referenced in this Agreement, including, without limitation, the Original
Agreement, which agreement is hereby terminated in all respects, and no Party will be bound by any prior or contemporaneous representation, statement, promise, warranty, covenant, or agreement
pertaining thereto unless set forth or referred to in this Agreement. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>8.8&nbsp;&nbsp;&nbsp;&nbsp;<U>Force Majeure</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;No Party shall be in default by reason of any failure in
performance, if such failure arises solely from causes beyond the reasonable control of the Party (notwithstanding the Party's taking
diligent steps to avoid the forces causing the failure to perform and to mitigate the adverse consequences to the other Party of such forces), including without limitation natural disasters, storms,
floods, hurricanes, tornadoes, other acts of God, strikes involving Third Parties, freight embargoes, acts or omissions of government authorities, lockouts, as to VSI only a failure of CompuCredit's
computer systems or another Party's untimely, inaccurate or inadequate performance of its obligations hereunder. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>8.9&nbsp;&nbsp;&nbsp;&nbsp;<U>Export Compliance</U></B></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;To the extent that CompuCredit or a CompuCredit Affiliate is
permitted to export the Switch outside the U.S., CompuCredit shall be solely responsible for compliance with all applicable U.S. export laws, rules, and regulations. CompuCredit agrees to keep such
books and records and to take other actions as may be required by such applicable laws, rules, and regulations, and to comply with any applicable U.S. export laws, rules, and regulations. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B><I>[Signatures Begin on Next Page]</I></B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>14</FONT></P>

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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>In Witness Whereof</B></FONT><FONT SIZE=2> the Parties have set their hands and seals to this Agreement effective as of the Effective Date. </FONT></P>

<!-- User-specified TAGGED TABLE -->
<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="TOP">
<TD COLSPAN=2><FONT SIZE=2><B>COMPUCREDIT CORPORATION</B></FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=2><FONT SIZE=2><B>VISIONARY SYSTEMS,&nbsp;INC.</B></FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="16%"><FONT SIZE=2><BR>
By:</FONT></TD>
<TD WIDTH="32%"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>DAVID&nbsp;G.&nbsp;HANNA</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(SEAL)</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="16%"><FONT SIZE=2><BR>
By:</FONT></TD>
<TD WIDTH="32%"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>JAMES&nbsp;A.&nbsp;ECKSTEIN</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(SEAL)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="16%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="32%"><HR NOSHADE></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="16%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="32%"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="16%"><FONT SIZE=2>Printed Name:</FONT></TD>
<TD WIDTH="32%"><FONT SIZE=2>David G. Hanna</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="16%"><FONT SIZE=2>Printed Name:</FONT></TD>
<TD WIDTH="32%"><FONT SIZE=2>James A. Eckstein</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="16%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="32%"><HR NOSHADE></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="16%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="32%"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="16%"><FONT SIZE=2>Title:</FONT></TD>
<TD WIDTH="32%"><FONT SIZE=2>Chairman and CEO</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="16%"><FONT SIZE=2>Title:</FONT></TD>
<TD WIDTH="32%"><FONT SIZE=2>President and CEO</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="16%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="32%"><HR NOSHADE></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="16%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="32%"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=2><BR><FONT SIZE=2><B>ECKSTEIN</B></FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><B><BR>&nbsp;</B></FONT></TD>
<TD COLSPAN=2><FONT SIZE=2><B><BR>
VSx CORPORATION</B></FONT><FONT SIZE=2> (indicating its<BR>
agreement to Section&nbsp;8.7 hereof)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=2><FONT SIZE=2><BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>JAMES&nbsp;A.&nbsp;ECKSTEIN</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(SEAL)</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="16%"><FONT SIZE=2><BR>
By:</FONT></TD>
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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>JAMES&nbsp;A.&nbsp;ECKSTEIN</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(SEAL)</FONT></TD>
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<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
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<TD COLSPAN=2><FONT SIZE=2>James A. Eckstein</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="16%"><FONT SIZE=2>Printed Name:</FONT></TD>
<TD WIDTH="32%"><FONT SIZE=2>James A. Eckstein</FONT></TD>
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<TD WIDTH="16%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="32%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="16%"><FONT SIZE=2>&nbsp;</FONT></TD>
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<TD WIDTH="32%"><FONT SIZE=2>&nbsp;</FONT></TD>
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<TD WIDTH="16%"><FONT SIZE=2>Title:</FONT></TD>
<TD WIDTH="32%"><FONT SIZE=2>President and CEO</FONT></TD>
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<TD WIDTH="16%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="32%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="16%"><FONT SIZE=2>&nbsp;</FONT></TD>
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<P ALIGN="CENTER"><FONT SIZE=2>15</FONT></P>

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<P><br><A NAME="02ATA1091_3">QuickLinks</A><br></P><!-- TOC_BEGIN -->
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<FONT SIZE=2><A HREF="#toc_kk1091_1">Exhibit 10.8a</A></FONT><BR>
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<FONT SIZE=2><A HREF="#toc_kk1091_2">AGREEMENT</A></FONT><BR>

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