ENGAGEMENT AGREEMENT

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



     THIS ENGAGEMENT AGREEMENT (the "Agreement") is made and entered into this

10th day of July, 2006 (hereinafter "Effective Date"), by and between Affinity

Technology Group, Inc., a Delaware corporation ("Affinity"), and

decisioning.com, Inc., a Delaware corporation (the "Company"), on the one hand,

and McBride Law, PC, a California professional company (the "Law Firm"), on the

other.



                                   WITNESSETH:



     WHEREAS, all the issued and outstanding capital stock of the Company

currently is owned by Affinity; and



     WHEREAS, the Company and Withrow & Terranova, PLLC ("W&T") have entered

into a Legal Representation Agreement, dated May 27, 2003, pursuant to which the

Company has engaged W&T on an exclusive basis to represent the Company in

connection with licensing and enforcing patents owned by the Company; and



     WHEREAS, the Company desires to engage the Law Firm to assist the Company

and W&T in connection with the solicitation, negotiation and execution of Patent

Agreements with third parties and related patent litigation; and



     WHEREAS, the Company and W&T are concurrently entering into an Amended and

Restated Legal Representation Agreement, dated as of the date hereof (the "Legal

Representation Agreement"), to reflect the terms of the Company's engagement of

W&T following the date hereof; and



     WHEREAS, the Company and the Law Firm desire to enter into this Agreement

to set forth the terms and conditions of the Company's engagement of the Law

Firm;



     NOW, THEREFORE, the parties, intending to be legally bound, hereby agree as

follows:





                                    SECTION I



                                   DEFINITIONS



     1.1 "Patents" shall mean the U.S. patents listed in Appendix A and their

corresponding non-U.S. counterparts, and all reissuances, re-examinations,

continuations, continuations-in-part, and divisionals, of all of the

aforementioned, if any.



     1.2 "Patent Agreement" shall mean an agreement entered into after the date

hereof under which the Company grants a license to all or a subset of the

Patents to any third party, whether with or without patent litigation; provided,

however, that the term Patent Agreement shall not mean any agreement between the

Company and any party with whom the Company currently has an Existing Licensing

Agreement.



{PAGE}



     1.3 "Litigation" shall mean (1) the filing and prosecution of a lawsuit for

patent infringement against a third party for infringement of one or more of the

Patents (including, but not limited to, defending any counterclaims brought by

such third party in connection therewith); (2) the defense of any of the Patents

in an action against the Company in respect to any of the Patents, including a

declaratory judgment; (3) the filing and prosecution of a patent infringement

counterclaim against a third party that brings an action against the Company in

respect to any of the Patents, including a declaratory judgment against any of

the Patents; or (4) a patent interference proceeding at the U.S. Patent &

Trademark Office (USPTO). If a counterclaim of patent infringement is made by

the Company in a legal action filed by a third party against the Company in

respect to any of the Patents, the defense of such action and counterclaim shall

count as a single Litigation. A Litigation is deemed to have ended when such

Litigation is dismissed from the tribunal in which the Litigation was filed, the

Company decides not to appeal a judgment within the prescribed time under

applicable law, or a judgment is rendered by a tribunal from which no appeal can

be taken. A Litigation instigated by the Company that names multiple independent

parties is considered to be multiple Litigations where the total number of

Litigations is the same as the number of independent parties named in such

Litigation.





                                   SECTION II



                           ENGAGEMENT OF THE LAW FIRM



         2.1 The Company hereby engages the Law Firm to assist the Company and

W&T in connection with the solicitation, negotiation and execution of Patent

Agreements and with third parties and related patent Litigation. In such

capacity, the Law Firm shall become an attorney of record for the Company with

respect to pending Litigations involving the Company's Patents and represent the

Company in such pending Litigations. The Law Firm shall also assist the Company

in the solicitation, negotiation, and execution of Patent Agreements with third

parties and Litigation against prospective licensees if legal action becomes

necessary at the request of the Company. The Company shall have control of any

material decisions in connection with such representation. Notwithstanding the

foregoing, without the consent of the Law Firm, at no time shall the Company

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