Exhibit 10.4

EMPLOYMENT AND COMPENSATION AGREEMENT

This Employment and Compensation Agreement (the "Agreement") is entered into in Contra Costa County, California, as of the 28th day of September, 2001, by and
between Monument Mortgage, Inc., a California corporation ("Monument" or "Employer"), which is a wholly owned subsidiary of FiNet.com, Inc., a Delaware corporation ("FiNet"), and Matt
Soto, an individual ("Employee"), who agree as follows:

This
Agreement is made with reference to the following facts:

A.
Monument is engaged in the residential mortgage business and is a wholly owned subsidiary of FiNet, which is a provider of both traditional and e-commerce home
financing services;

B.
Employee desires to perform services for Employer and Employer desires to engage Employee to perform services in accordance with the terms and conditions set forth in this
Agreement.

Now
therefore, in consideration of the foregoing and of the covenants, representations and promises set forth in this Agreement, the parties hereto, agree as follows:

1.  Employment.

a.  Employer
hereby offers Employee employment with Employer, and Employee hereby accepts employment, commencing on September 30, 2001 on the terms and
conditions contained in this Agreement.

b.  Employee
shall serve as President of Monument and Executive Vice President of FiNet reporting directly to L. Daniel Rawitch, Chief Executive Officer ("CEO") or his
designee. In that capacity, Employee shall faithfully and diligently carry out such duties and have such responsibilities as are customary among persons employed in substantially similar capacities
for similar companies, provided that Employee shall at all times be subject to the direction of the CEO of Monument. Employee agrees to the best of his ability and experience to perform loyally and
conscientiously all of the duties and responsibilities required of him, either expressly or implicitly, by the terms of this Agreement

c.  Location
of Employee's employment shall be at Employer's corporate offices located in San Ramon, California.

2. Term of Employment.Employee's Term of Employment in accordance with the terms of this Agreement, shall commence as of September 30, 2001 and
shall terminate upon the earlier of September 29, 2004 or as is otherwise specified in this Agreement (the "Term of Employment").

3. Commitment.Except as is otherwise provided herein, during the Term of Employment Employee shall devote one hundred (100%) percent of his entire
productive time, ability, and attention to the business of the Employer. Except as is otherwise provided herein, Employee shall not render any services of a commercial or professional nature to any
other person or organization, whether for compensation or otherwise, without the prior written consent of the CEO of Monument. However, the expenditure of reasonable amounts of time for educational,
charitable, or professional activities shall not be deemed a breach of this Agreement if those activities do not materially interfere with the services required under this Agreement and shall not
require the prior written consent of the CEO of Monument. Notwithstanding the foregoing, this Agreement shall not be interpreted to prohibit Employee from making passive personal investments or
conducting private business affairs if those activities do not materially interfere with the services required under this Agreement.

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4.  Competitive Activities.

a.  During
the Term of Employment, Employee shall not, directly or indirectly, own an interest in, operate, join, control, or participate in, or be connected as an
officer, employee, agent, independent
contractor, partner, shareholder or principal of any corporation, partnership, proprietorship, firm, association, person, or other entity producing, designing, providing, soliciting orders for,
selling, distributing, or marketing products, goods, equipment, or services that compete directly or indirectly with Employer's products and services or Employer's business, without first obtaining
the written approval of Employer. Such approval may be rescinded by Employer if and when, in the opinion of Employer, such activities materially inhibit Employee's performance under this Agreement or
place Employer at risk.

b.  For
one year following his termination as an Employee of, or consultant to, Employer, whichever occurs later ("Posttermination Period"), Employee shall not be
prohibited from employment in the mortgage industry involving activities similar to those engaged in prior to becoming an Employee of or consultant to Employer, except, however, Employee shall not
undertake any employment or activity competitive with Employer's business in which the loyal and complete fulfillment of the duties of the competitive employment or activity would call on Employee to
reveal or otherwise to use any confidential business information or trade secrets of Employer's business to which Employee had access by reason of his prior engagement by Employer.

c.  During
the Term of Employment and the Posttermination Period, Employee shall not, directly or indirectly, either for himself or for any other person, firm, or
corporation, divert or take away or attempt to divert or take away (and during the Posttermination Period, call on or solicit or attempt to call on or solicit) any of Employer's customers or patrons,
including but not limited to those on whom Employee called or whom he solicited or to whom he catered or with whom Employee became acquainted during his engagement by Employer. Nothing herein shall
limit Employee's right during the Posttermination Period, to call on or solicit or attempt to call on or solicit any of Employee's customers or patrons on whom Employee called or whom he solicited or
to whom he catered or with whom he became acquainted during the period prior to Employee's engagement by Employer.

d.  During
the Term of Employment, Employee shall not undertake planning for or organization of any business activity competitive with Employer's business or combine or
join with other employees or representatives of Employer's business for the purpose of organizing any such competitive business activity.

e.  During
the Term of Employment and the Posttermination Period, Employee shall not, directly or indirectly or by action in concert with others, induce or influence
(or seek to induce or influence) any person who is engaged (as an employee, agent, independent contractor, or otherwise) by Employer to terminate his or her employment or engagement.

5.  Compensation.

As
compensation for the services to be rendered by Employee hereunder during the Term of Employment, Employer shall pay Employee a Base Salary and additional compensation, as is more
specifically set forth in Addendum A to this Agreement. Employee's compensation shall be payable in accordance with Employer's standard payroll practices.

6. Benefits. In addition to the compensation described herein above, during the Term of Employment, Employee shall be eligible to receive the following
benefits:

a.  Such
health insurance and other benefits that Employer may, from time to time, make available to Employer's employees.

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b.  Four weeks vacation time, sick leave, holidays and personal time in accordance with Employer's vacation and absence policies, which Employer may, from time to time,
maintain for employees at Employee's level of employment.

c.  Reimbursement
of allowed business expenses, upon submission of documentation in accordance with Employer's regular expense reimbursement policies, for reasonable
business expenses incurred on behalf of Employer by Employee.

d.  Participation
in any savings plan, 401(k) plan, profit sharing plan or pension plan, which Employer may, from time to time, maintain for employees at Employee's
level of employment, subject to plan eligibility.

7.  Confidential Information.

a.  Employee
recognizes that, during the course of his employment with Employer, he will be exposed to certain nonpublic, confidential information, the disclosure of
which to third parties would cause competitive injury to Employer. Such confidential information includes but is not limited to Employer's investment plans or strategies, trade secrets, sources of
supply, customer lists, lists of potential customers, customer or consultant contracts and the details thereof, pricing policies, operational methods, marketing and merchandising plans or strategies,
business acquisition plans, personnel acquisition plans, unannounced products and services, research and development activities, processes, formulas, methods, techniques, technical data,
know-how, inventions, designs, financial or accounting data, inventory reports, production schedules, cost and sales data, strategies, forecasts, and all other
information that is not publicly available pertaining to the business of Employer or any of its affiliates. Such confidential information is hereinafter referred to as "Confidential Information".

b.  Confidential
Information shall not include (i) any information which is or becomes publicly available other than through breach of this Agreement, or
(ii) any information which is or becomes known or available to Employee on a non-confidential basis and not in contravention of applicable law from a source which is entitled to
disclose such information to Employee.

c.  Employee
agrees that he will not, while employed by Employer, divulge Confidential Information to any person, directly or indirectly, except to Employer or its
officers and agents, or as reasonably required in connection with Employee's duties on behalf of the Employer, except as is required by law or court order. Employee further agrees not to use, except
on behalf of the Employer, any Confidential Information acquired by Employee during the Term of Employment. Employee agrees that he will not at any time after his employment with Employer has ended,
divulge to any person, directly or indirectly, any Confidential Information, except as is required by law or court order. Employee further agrees that, if his relationship with the Employer is
terminated for any reason, Employee shall not take with him but will leave with Employer all records, papers, and computer software and data, and any copies thereof relating to the Confidential
Information (or if such papers, records, computer software and data, or copies are not on the premises of Employer, Employee agrees to return such papers, records, and computer software and data
immediately upon his termination). Employee acknowledges that all such papers, records, computer software and data, or copies thereof are and remain the property of Employer.

8. Voice Mail and Electronic Mail.All voice mail and electronic mail on Employer's telephone or computer systems are the property of Employer and shall
be non-personal, non-private and non-privileged to Employee, and Employee shall disclose to Employer all codes or passwords necessary for Employer to access such
voice mail or electronic mail.

9. Cooperation.As a condition of his employment with Employer, Employee agrees that he will not disrupt, damage, impair, or interfere with the business
of the Employer, such as by interfering with the

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duties of the Employer's employees, disrupting relationships with Employer's customers, agents, representatives, or vendors, or otherwise.

10. Termination.

a.  Employee
may terminate this Agreement for any reason or for no reason upon providing Employer with sixty (60) days prior written notice of his intention to
terminate.

b.  Employer
may terminate this Agreement upon written notice to Employee prior to its expiration date for just cause or due to the Employee's death or substantial
physical impairment which prevents Employee from performing his duties and responsibilities as set forth herein. For purposes of this Section, "just cause" is defined as the failure of Employee to
perform his duties and responsibilities as set forth herein and as may be established by Employer, to the satisfaction of Employer; a violation of Section(s) 1, 3, 4, 7, 8, or 9 of this Agreement;
fraud; misappropriation of funds; breach of fiduciary duty; embezzlement; theft; physical assault or threatened assault on another person; drunkenness on the job; possession or use of narcotics on
Employer's property; willful and material damage to Employer's property; conviction of a felony; violation of any state or federal law applicable to Employer's business or property, including, but not
limited to, violations of state or federal mortgage lending regulatory provisions; or repeated or material violations of Employer's policies, including but not limited to those policies prohibiting
unlawful employment discrimination and harassment.

c.  In
the event Employee's employment is terminated, whether by Employer for "just cause", as is defined herein or due to the Employee's death or substantial physical
or mental impairment preventing Employee from performing the essential functions of his job, or by Employee as provided herein, Employer shall have no further obligation to pay any compensation to or
benefits on behalf of Employee, however all compensation accrued as of the date of termination shall be paid to Employee upon termination.

d.  In
the event that Employee's employment is terminated by Employer as a result of a Change of Control, Employer shall pay to Employee an amount equal to six
(6) months Base Salary as Severance Pay. Employer shall have no further obligation to pay any compensation or benefits on behalf of Employee, however all compensation accrued as of the date of
termination, as well as, Severance Pay, shall be paid to Employee upon termination. For purposes of this Agreement, a "Change of Control" is defined as a merger, consolidation or other reorganization
of Employer in which Employer does not survive.

e.  In
the event that Employee's employment is terminated by Employer as a result of Employer's decision to voluntarily cease to do business, Employer shall pay to
Employee an amount equal to four (4) months Base Salary as Severance Pay. Employer shall have no further obligation to pay any compensation or benefits on behalf of Employee, however all
compensation accrued as of the date of termination, as well as, Severance Pay, shall be paid to Employee upon termination.

f.   Upon
termination of his employment, Employee agrees to deliver promptly to Employer all records, files, drawings, documents, specifications, blueprints, letters,
notes, reports and computer software, and all copies thereof, and any and all materials relating to Employer's Confidential Information that is in Employee's possession or control. At the time of
termination, Employee will have an exit interview with Employer wherein Employee will certify that Employee has returned to Employer all tangible Confidential Information disclosed to her, and
disclose Inventions conceived or developed by him during the Term of Employment.

g.  Sections
4, 7, 9, 10, 11, 12, 13, 14, 15, and 16, hereof, shall survive termination of this Agreement.

11. Assignment.The rights and liabilities of the parties hereto shall bind and inure to the benefit of their respective successors, executors and
administrators, as the case may be; provided that, as

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Employer has specifically contracted for Employee's services, Employee may not assign or delegate his duties and responsibilities under this Agreement either in whole or part without the prior written
consent of Employer. Employer may assign its rights and obligations to a successor in interest to Employer, provided such successor assumes all obligations and liabilities thereunder.

12. Severability of Provisions.In the event any provision of this Agreement is held to be illegal, invalid, or unenforceable under any present or
future law, (a) such provision will be fully severable, (b) this Agreement will be construed and enforced as if such illegal, invalid, or unenforceable provision had never comprised a
part hereof, (c) the remaining provisions of this Agreement will remain in full force and effect and will not be affected by the illegal, invalid, or unenforceable provision or by its severance
herefrom, and (d) in lieu of such illegal, invalid, or unenforceable provision, there will be added automatically as a part of this Agreement a legal, valid, and enforceable provision as
similar in terms to such illegal, invalid, or unenforceable provision as may be possible.

13. Mediation and Arbitration.Initially all claims and controversies of any kind relating to this Agreement shall be submitted to mediation pursuant to
the services of JAMS/Endispute Mediation Service ("JAMS") with the venue of the mediation being San Francisco, CA. In the event the matter cannot be disposed of by mediation, all claims and
controversies of any kind relating to this Agreement shall be finally settled by binding arbitration before a single JAMS arbitrator in San Francisco, CA, in accordance with rules of the
JAMS/Endispute Rules and Procedures for Mediation/Arbitration of Employment Disputes or the rules of the American Arbitration Association ("AAA"). The parties to this Agreement shall be bound by the
decisions in any such arbitration, and judgment upon such arbitration may be entered by any court of proper jurisdiction. Notwithstanding the applicable rules of JAMS/Endispute or AAA, in accordance
with California Code of Civil Procedure Section 1283.1 (b), the parties agree that depositions may be taken and discovery obtained in any arbitration proceeding relating to this Agreement in
accordance with California Code of Civil Procedure Section 1283.05. Attorney's fees and costs shall be allocated by agreement in mediation or by the arbitrator in arbitration.

14. Notices. Any notice provided for in this Agreement must be in writing and must be either personally delivered, or mailed by certified mail (postage
prepaid and return receipt requested), or sent by reputable overnight courier service, to the recipient at the address below indicated:

To Employee:

Matt Soto
23091 Cecelia
Mission Viejo, CA 92691
Telephone No. (949) 951-7177To Employer:

Monument Mortgage, Inc.
2527 Camino Ramon, Suite 200
San Ramon, CA 94583
Attention: L. Daniel Rawitch
Telephone No. (925) 242-5874


,or
such other address or to the attention of such other person as the recipient party shall have specified by prior written notice to the sending party. Any notice under this Agreement will be deemed
to have been given when so delivered or if mailed, five (5) days after deposit in a U.S. Postal facility.

15. Entire Agreement: Amendments and Waivers.This Agreement contains the sole, complete, final, exclusive and entire agreement between the parties
pertaining to the employment of Employee by Employer and supersedes all prior agreements, understandings, negotiations and discussions, whether oral or written, of the parties. No amendment,
supplement, modification, rescission or waiver of this Agreement shall be binding unless executed in writing by the parties. No waiver of any of the

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provisions of this Agreement shall be deemed or shall constitute a continuing waiver unless otherwise expressly provided. The parties expressly acknowledge that they have not relied upon any prior
agreements, understandings, negotiations or discussions, whether oral or written.

16. Choice of Law.The rights and duties of the parties will be governed by the law of the State of California, excluding any
choice-of-law rules that would require the application of laws of any other jurisdiction.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed as of the day and year first above written.

|    |  | Employer                |  |     |  | Employee 
|--- |  | ----------------------- |  | --- |  | ---------
|By: |  |                         |  | By: |  |          
|    |  | L. Daniel Rawitch       |  |     |  | Matt Soto
|    |  | Chief Executive Officer |  |     |  |          

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ADDENDUM A  TO  EMPLOYMENT AND COMPENSATION AGREEMENT  MATT SOTO

This Addendum by and between Employer and Employee, shall serve to supplement the Employment and Compensation Agreement, entered into concurrently on the
28th day of September, 2001.

1. Salary.Employee shall receive a Base Salary of $180,000.00 per annum. Salary increases shall be subject to annual performance reviews.

2. Bonus.In addition to Base Salary, Employee shall be eligible to receive a monthly incentive bonus equal to two percent (2%) of the Net Profits of
Monument's Wholesale Division, payable in accordance with Employer's standard payroll practices. Net Profits shall be calculated as follows:

a.  [Insert
specifics re calculation or definition of Net Profits of Monument's Wholesale Division]

b.  Regardless
of Employer's Net Profits, Employee shall be guaranteed a minimum monthly bonus in the amount of $5,000.00 during the first six (6) months of
employment.

3. Equity Incentives.Employee shall be granted options to purchase 300,000 shares of FiNet common stock at $.91 per share, 100% of the closing price of
FiNet's common stock on October 9, 2001. 75,000 shares shall vest on October 9, 2001, the remaining 225,000 shares shall vest quarterly over the next three years, conditioned upon
Employee's continued employment by Employer ("Vested Options"). In connection with a Change of Control as set forth in Paragraph 10(d) above, all of the Employee's Options, granted in
accordance with this paragraph, shall vest on a prorated basis from the date of grant. All of Employee's vested Options must be exercised within 90 days of the date of termination. The terms
and conditions of the Options shall remain subject to and interpreted in conformity with the FiNet.com, Inc.1998 Stock Option Plan, as may be amended from time to time.

4.  Travel and Living Allowance.

a.  Employee
shall be entitled to receive reimbursement for actual and reasonable expenses for travel to and from his home in Southern California to Employer's
corporate offices in San Ramon, California, as well as, transportation and living expenses while in the Bay Area in an amount not to exceed $1500.00 per month.

b.  Employee
shall be entitled to secure temporary living quarters while employed by Employer in the Bay Area, the actual cost of which shall be borne by Employer
subject to approval in advance by Employer.

c.  All
travel and living expenses shall be payable monthly in accordance with Employer's normal payroll practices.

Agreed
to:

Dated:
September 28, 2001

|Employer |  | Employee               
|-------- |  | -----------------------
|By:      |  |                        
|         |  | L. Daniel Rawitch      
|         |  | Chief Executive Officer

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