EXHIBIT 10.3 [ABOUT LOGO] CO-BRANDING AGREEMENT This Agreement (the "Agreement"), dated this 19th day of January, 2001 (the "Effective Date"), is by and between About.com, Inc. ("About"), a Delaware corporation, located at 1440 Broadway, 19th Floor, New York, NY 10018 and ebix.com, Inc. ("ebix"), a Delaware corporation, located at 1900 E.Golf Road, Schaumberg, IL 60173 W I T N E S S E T H: WHEREAS, About owns and operates an Internet service known as About.com, currently located at the URL HTTP://WWW.ABOUT.COM, at which users may access a variety of content channels and a network of highly-targeted, topic-specific Web sites, and includes any site owned, operated or under the control of About (the "About Network"); WHEREAS, ebix is the e-commerce portal for insurance on the Internet offering to consumers and insurance professionals a one-stop site, currently located at http://www.ebix.com for all kinds of insurance content ranging from consumer to business tools to broker to business tools as well as e-commerce functionality; WHEREAS, the parties desire to collaborate to create an independent co-branded channel on or accessible though the About Network at which visitors to the About Network may access insurance information, on the terms and conditions hereinafter set forth; WHEREAS, ebix desires to receive promotions on the About Network for the parties' Insurance Center and for the ebix Site (hereinafter defined). NOW, THEREFORE, in consideration of the agreements and obligations set forth herein and for other good and valuable consideration, the receipt and sufficiency of such is hereby acknowledged, the parties hereto hereby agree as follows: 1. DEFINITIONS "ABOUT CONTENT" means any and all textual, graphical, audio/visual or other materials created or provided on or behalf of About for use on the Insurance Center (other than the ebix Content), including but not limited to the About Wrapper and the About