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
RECITALSIndemnification Agreement • March 19th, 1999 • Nextcard Inc • Delaware
SUBLEASEAgreement • March 19th, 1999 • Nextcard Inc • California
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 betweenOffice Lease • March 19th, 1999 • Nextcard Inc • California
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
among NEXTCARD FUNDING CORP., as Borrower, THE LENDERS PARTY HERETO, andLoan Agreement • March 19th, 1999 • Nextcard Inc • 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
ARTICLE I DEFINITIONSAccount Origination Agreement • March 19th, 1999 • Nextcard Inc • 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 • March 19th, 1999 • Nextcard Inc • 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
1 EXHIBIT 10.25 INDEPENDENT CONTRACTOR AGREEMENT NextCard, Inc., a California corporation (the "Company"), and Bruce Rigione(1) ("Contractor"), agree as follows: 1. Engagement; Scope of Work. The Company hereby engages Contractor to provide certain...Independent Contractor Agreement • March 19th, 1999 • Nextcard Inc • California
1 EXHIBIT 10.18 CARDHOLDER REWARDS PROGRAM AGREEMENT This Cardholder Rewards Program Agreement, including the attachments and exhibits hereto, each of which is specifically incorporated herein by reference (collectively the "Agreement") is made as of...Cardholder Rewards Program Agreement • March 19th, 1999 • Nextcard Inc • California
