NAVIANT INC S-1/A

AMENDMENT NO.1 TO THE FORM S-1

VOTING TRUST AGREEMENT

LEASE AGREEMENT DATED JUNE 1, 1998

LEASE AGREEMENT, MRJ, INC AND TEACHERS INSURANCE

LEASE AGREEMENT, REGISTRANT AND ZORO LLC

LEASE AGREEMENT DATED JULY 1, 1998

FORM OF COMMON PURCHASE WARRANT

JOINT DATABASE LICENSE AGREEMENT

DATABASE DEVELOPMENT AGREEMENT

CUSTOMER ACQUISITION AND ADVERTISING AGREEMENT

DATA SUBLICENSING AGREEMENT