RECITALSNextcard Inc • November 15th, 1999 • Personal credit institutions • New York
1 EXHIBIT 10.23 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (the "Agreement") is entered into as of January 1, 1999, by and between Jeremy R. Lent ("Employee") and NextCard, Inc., a California corporation (the "Company"). THE PARTIES HERETO AGREE...Employment Agreement • March 19th, 1999 • Nextcard Inc • California
NEXTCARD, INC. 1997 STOCK PLANStock Option Agreement • March 19th, 1999 • Nextcard Inc • California
UNDERWRITING AGREEMENTUnderwriting Agreement • December 14th, 1999 • Nextcard Inc • Personal credit institutions • New York
RECITALSIndemnification Agreement • March 19th, 1999 • Nextcard Inc • Delaware
SUBLEASEAgreement • March 19th, 1999 • Nextcard Inc • California
UNDERWRITING AGREEMENTUnderwriting Agreement • December 9th, 1999 • Nextcard Inc • Personal credit institutions • New York
1 EXHIBIT 10.5 SERIES B PREFERRED STOCK PURCHASE AGREEMENT THIS SERIES B PREFERRED STOCK PURCHASE AGREEMENT (the "Agreement") is made as of the ___ day of August, 1997, by and among INTERNET ACCESS FINANCIAL CORPORATION, a California corporation (the...Preferred Stock Purchase Agreement • March 19th, 1999 • Nextcard Inc • California
1 EXHIBIT 10.17 LOAN AND SECURITY AGREEMENT Agreement No. 20601 Dated as of June 17, 1998 by and betweenLoan and Security Agreement • March 19th, 1999 • Nextcard Inc • California
OFFICE LEASE FOROffice Lease • March 30th, 2000 • Nextcard Inc • Personal credit institutions • Arizona
RECITALSNextcard Inc • December 9th, 1999 • Personal credit institutions • New York
1 EXHIBIT 10.16 MASTER LEASE AGREEMENT MASTER LEASE AGREEMENT (the "Master Lease") dated May 22, 1998 by and between COMDISCO, INC. ("Lessor") and INTERNET ACCESS FINANCIAL CORPORATION ("Lessee"). IN CONSIDERATION of the mutual agreements described...Master Lease Agreement • March 19th, 1999 • Nextcard Inc • Illinois
1 EXHIBIT 10.13 LICENSE AGREEMENT This License Agreement (this Agreement) dated as of MAY 1st 1998 is by and between Binary Compass Enterprises, Inc., a California corporation (BCE), having an office at 9520 Jefferson Blvd., Culver City, CA 90232 and...License Agreement • March 19th, 1999 • Nextcard Inc • California
1 EXHIBIT 10.45 June 20, 2001 (Amended, July 2, 2001) Steven Rubinow 1344 Waukegan Rd. Northbrook, IL. 60062 Dear Steve, This letter acknowledges that you and the company have decided to terminate your employment from NextCard, Inc. (the "Company"),...Nextcard Inc • August 14th, 2001 • Personal credit institutions
toPooling and Servicing Agreement • December 9th, 1999 • Nextcard Inc • Personal credit institutions • New York
EXHIBIT 10.12 EXODUS COMMUNICATIONS, INC. MASTER SERVICES AGREEMENT AGREEMENT NO. ____ THIS MASTER SERVICES AGREEMENT (this "Agreement") is made effective as of the Acceptance Date (December 23, 1997) indicated in the Services and Price Form attached...Master Services Agreement • April 30th, 1999 • Nextcard Inc • Personal credit institutions • California
EXHIBIT 10.44 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (the "Agreement") is entered into this 11th day of June, 2001 (the "Effective Date"), by and between John Hashman ("Employee") and NextCard, Inc., a Delaware corporation (the "Company"). THE...Employment Agreement • August 14th, 2001 • Nextcard Inc • Personal credit institutions • California
NEXTCARD, INC., as Servicer, and THE BANK OF NEW YORK, as TrusteePooling and Servicing Agreement • August 16th, 1999 • Nextcard Inc • Personal credit institutions • New York
1 EXHIBIT 10.10 PROFESSIONAL SERVICES AGREEMENT HERITAGE BANK OF COMMERCE, a California state-chartered banking institution, with an address at 150 Almaden Boulevard, San Jose, California (hereinafter called "Client"), and RESPONSE DATA CORPORATION, a...Professional Services Agreement • May 11th, 1999 • Nextcard Inc • Personal credit institutions • New Jersey
toPooling and Servicing Agreement • November 19th, 1999 • Nextcard Inc • Personal credit institutions • New York
EXHIBIT 10.47 INDEPENDENT CONTRACTOR AGREEMENT This INDEPENDENT CONTRACTOR Agreement, together with any exhibits hereto (collectively, the "AGREEMENT") is entered into as of as of January 1, 2001 (the "EFFECTIVE DATE") by and between Tim Coltrell...Independent Contractor Agreement • November 14th, 2001 • Nextcard Inc • Personal credit institutions • California
among NEXTCARD FUNDING CORP., as Borrower, THE LENDERS PARTY HERETO, andLoan Agreement • March 19th, 1999 • Nextcard Inc • New York
1 EXHIBIT 10.37 CERTIFICATE PURCHASE AGREEMENT Dated as of November 10, 1999Certificate Purchase Agreement • December 9th, 1999 • Nextcard Inc • Personal credit institutions • New York
RECITALSSubordinated Loan and Security Agreement • March 19th, 1999 • Nextcard Inc • Illinois
1 EXHIBIT 10.3 THE SALE OF THE SECURITIES WHICH ARE THE SUBJECT OF THIS AGREEMENT HAS NOT BEEN QUALIFIED WITH THE COMMISSIONER OF CORPORATIONS OF THE STATE OF CALIFORNIA AND THE ISSUANCE OF SUCH SECURITIES OR THE PAYMENT OR RECEIPT OF ANY PART OF THE...Stock Purchase and Restriction Agreement • March 19th, 1999 • Nextcard Inc • California
1 EXHIBIT 10.14 PREFERRED STOCK PURCHASE AGREEMENT (SERIES C1 AND C2) THIS PREFERRED STOCK PURCHASE AGREEMENT (the "Agreement") is made as of the day of May, 1998, by and among INTERNET ACCESS FINANCIAL CORPORATION, a California corporation (the...Preferred Stock Purchase Agreement • March 19th, 1999 • Nextcard Inc • California
Exhibit 10.49 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (the "Agreement") is entered into this 1st day of July, 2001 (the "Effective Date"), by and between Yinzi Cai ("Employee") and NextCard, Inc., a Delaware corporation (the "Company"). THE...Employment Agreement • November 14th, 2001 • Nextcard Inc • Personal credit institutions • California
ARTICLE I DEFINITIONSAccount Origination Agreement • August 16th, 1999 • Nextcard Inc • Personal credit institutions • California
1 EXHIBIT 10.8 CONSUMER CREDIT CARD PROGRAM AGREEMENT This Agreement (the "AGREEMENT") is made this 25th day of November, 1997 (the "EFFECTIVE DATE") between Internet Access Financial Corporation ("IAFC"), a California corporation, and Heritage Bank...Credit Card Program Agreement • May 13th, 1999 • Nextcard Inc • Personal credit institutions • California
1 EXHIBIT 10.41 AGREEMENT (INCLUDING RELEASE AND WAIVER OF CLAIMS) ASSOCIATED WITH TERMINATION OF EMPLOYMENT This Agreement is made effective as of September 1, 2000 (the "Effective Date") by and between Daniel Springer ("Springer") and NextCard, Inc....Agreement • April 2nd, 2001 • Nextcard Inc • Personal credit institutions • California
1 EXHIBIT 10.20 PREFERRED STOCK PURCHASE AGREEMENT (SERIES D-1 AND D-2) THIS PREFERRED STOCK PURCHASE AGREEMENT (the "Agreement") is made as of the ___ day of November, 1998, by and among NextCard, Inc. (formerly known as INTERNET ACCESS FINANCIAL...Preferred Stock Purchase Agreement • March 19th, 1999 • Nextcard Inc • California
RECITALSCapital Assurance Agreement • November 14th, 2001 • Nextcard Inc • Personal credit institutions • California
1 EXHIBIT 10.40 INDEPENDENCE PLAZA IN TRI-VALLEY TECHNOLOGY PARK INDUSTRIAL-R&D LEASE This Lease, dated August 7, 2000 for reference purposes only, is made and entered into by and between Independence Campus I, LLC, a California limited liability...Nextcard Inc • April 2nd, 2001 • Personal credit institutions • California
NEXTCARD, INC. 1997 STOCK PLANStock Purchase Right Agreement • July 7th, 2000 • Nextcard Inc • Personal credit institutions • California
AMENDMENT TO EMPLOYMENT AGREEMENTEmployment Agreement • November 14th, 2000 • Nextcard Inc • Personal credit institutions
THIS AMENDMENT TO EMPLOYMENT AGREEMENT (the “Amendment”) is entered into as of July 20, 2000 by and between Jeremy R. Lent and NextCard, Inc., amending that certain Employment Agreement dated as of January 1, 1999 (the “Existing Agreement”) between the parties. Capitalized terms not otherwise defined herein will have the meanings set forth in the Existing Agreement. For the purposes hereof, the “Effective Date” will be the date upon which a person commences service as Chief Executive Officer of the Company, succeeding Employee in that capacity.
