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| BORROWER:         | COMMUNICATION INTELLIGENCE CORPORATION By:    /s/ Francis V. Dane                          Name:  Francis. V. Dane    Title:     CFO                                                                                                                                                                                                                                                                                                                                                                                                                             |
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| MAJORITY LENDERS: | PHOENIX VENTURE FUND LLC By: SG Phoenix Ventures LLC,       its Managing MemberBy:     /S/ Andrea Goren                                                                   Name:   Andrea Goren             Title:      Member    |
|              |        /s/  Michael Engmann                                   MICHAEL ENGMANN                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| COLLATERAL AGENT: | SG PHOENIX LLC By:  /s/ Andrea Goren                              Name:    Andrea Goren    Title:      Member                                                                                                                                                                                                                                                                                                                                                                                                            |

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| BRIDGE LENDER: | PHOENIX VENTURE FUND LLC By: SG Phoenix Ventures LLC,       its Managing MemberBy:   /s/ Andrea Goren                                                                       Name:   Andrea Goren             Title:     Member  |
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