Document:

COMMERCIAL DEMAND NOTE

$1,000,000.00                    NEWPORT BEACH, CALIFORNIA
NOVEMBER 13, 2000

 FOR  VALUE  RECEIVED,  ON  DEMAND, the undersigned, (hereinafter referred to as
"Maker")  promises  to pay to the order of NATIONAL RECOVERY LIMITED PARTNERSHIP
(hereinafter  referred  to  as  "Lender"),  at its main office at 27 Mischa Hill
Road,  Trumbull,  Connecticut  06611, or at such other place as the Lender shall
from  time  to  time  designate  in  writing, ON DEMAND the principal sum of ONE
MILLION  AND  00/100 ($1,000,000.00) DOLLARS with interest from the date hereof,
computed  on a 360 day year, on so much of said principal sum as shall from time
to  time  be outstanding, at the interest rate of thirteen and one half (13.50%)
percent  per  annum  together  with  all taxes assessed or enforced against said
payee  or  other  holder  of  this  Note upon said sum or this Note, and all its
reasonable costs, expenses and attorney's fees incurred or charged in any action
or  proceeding  for collection of said debt or in any litigation arising from or
concerning  said  debt or in foreclosing or otherwise recovering on any mortgage
or  security interest securing said debt or in protecting or sustaining the lien
and/or priority of any such mortgage or security interest .  Said interest shall
be  payable  at  the  aforesaid  rate,  or  at the rate in effect as hereinafter
provided,  whether  before  or  after maturity, by acceleration or otherwise, or
whether  or  not  judgment  has  been  obtained, and after judgment, on the full
amount  of  said  judgment, at the greater of the legal rate or the rate then in
effect  hereunder.

           From  the  date  hereof  interest  on the daily outstanding principal
balance  for  the  actual number of days elapsed in each payment period shall be
due  and  payable in monthly payments in arrears commencing December 1, 2000 and
continuing  on the 1st day of each month thereafter until the entire outstanding
principal balance and accrued and unpaid interest thereon has been paid in full.
All  principal  and  interest  evidenced  by  this Note, if not sooner paid , or
demanded,  shall  be  due and payable on March 31, 2001 without the necessity of
demand  or  notice.  All  payments  of principal or interest shall be considered
received  by  Lender upon receipt of good funds as defined by Lender's financial
depository.

            This  Note is subject in all respects to the terms and conditions of
a  certain  Loan  and  Security Agreement of even date by and among, inter alia,
Maker  and Lender (the "Loan Agreement"), including Without limitation Events of
Default  as  defined  therein.

            It  is  agreed that time is of the essence of this Note, and that in
the  event of default in the payment of any such installment of principal and/or
interest for a period of five (5) days after the same is due and payable or upon
default  under  any of the terms, conditions and/or provisions contained in this
note  or  upon  the  occurrence of an Event of Default under the Loan Agreement,
then,  and in any of said events, the unpaid remaining principal balance of this
indebtedness together with all accrued and unpaid interest thereon and all other
amounts due hereunder shall immediately become due and payable, at the option of
Lender  without  the necessity for demand or notice; and any failure to exercise
said  option  shall not constitute a waiver of the right to exercise the same at
any  other  time. If any such default shall  occur, then, interest shall accrue,
on  and  after the first day of said default, for the period for which any  such
payment  was  due,  and  during  such  period  of five (5) days or other expired
applicable  cure  period,  and at all times while such default continues, on all
principal  and due and unpaid interest, at a rate three  (3 %) percent per annum
higher  than the rate above stated and said interest shall be due and payable on
the  first  day  of  each  month  while  any  such  default  exists.

         Maker  shall  pay  a  late  charge  equal  to  five (5%) percent of any
installment  not  paid  within  five  (5)  days  of  the  due  date  thereof.

        Maker  reserves  the right to prepay this note in full or in part at any
time  after  December  24,  2000.  Maker  shall  not have the right to make such
prepayment before December 24, 2000. In the event of a default prior to December
24,  2000  upon  Holder  demanding  payment  of  this Note the Maker shall pay a
prepayment  penalty  of  three(3  %)  percent.

     Any  deposits,  securities  or  other  property of the Maker, (exclusive of
deposits,  securities  or  other property held by the undersigned in a fiduciary
capacity  for  the  benefit  of  others)  which  are at  anytime within Lender's
possession  or  control  may  be held and treated as collateral security for the
payment  of  this note, and Lender shall have a lien thereon and right to setoff
the  same  against  any  sums  due  hereunder.

          At  any time prior to the Maker's payment in full of all principal and
interest  due  hereunder,  the  Holder  shall have the option of converting this
Note  to  shares of the capital stock of Tangible Asset Galleries, Inc. pursuant
to  the  terms  of  the  Loan  Agreement.

          Notwithstanding  any  provisions  of  this Note, in the event that the
rate  of  interest  charged  hereunder shall at any time exceed the maximum rate
allowed  by  law,  the interest rate payable hereunder shall be deemed to be the
maximum  rate  allowed  by  law  and  any payments in excess of the maximum rate
allowed  by  law  shall  be  deemed  principal  payments and applied against the
principal  balance  hereof.

           The Maker hereby agrees that the loan evidenced by the within note is
a  "commercial  transaction"  as  defined by the Connecticut General Statutes as
amended.

       Upon  failure to pay the indebtedness secured hereby in full at maturity,
whether  stated  or  by acceleration. Holder is authorized and empowered to sell
the whole or any part of the Collateral then held by it in such manner as Holder
sees  fit  and is consistent with applicable law. Sale of part of the Collateral
shall  not  exhaust  Holder's  power of sale, but sales may be made from time to
time  until  all  the  Collateral is sold, or until the debts hereby secured are
paid  in full. Holder shall receive the proceeds of such sale or sales and shall
apply  those  proceeds in the order stipulated in the relevant provisions of the
Connecticut  Uniform  Commercial Code. If this Note is placed in the hands of an
attorney for collection or is collected in whole or in part through any judicial
or  arbitrial  proceedings,  Obligor  agrees to pay Holder's attorney's fees and
costs.

            THE  MAKER AND EVERY ENDORSER HEREBY WAIVES ALL RIGHTS TO NOTICE AND
PRIOR  COURT  HEARING  OR COURT ORDER IN CONNECTION WITH ANY AND ALL PREJUDGMENT
REMEDIES  THE  HOLDER HEREOF MAY BECOME ENTITLED TO BY VIRTUE OF ANY DEFAULTS OR
PROVISIONS  OF  THE  NOTE  SECURING  THE  SAME.

       THE  MAKER  AND  EVERY ENDORSER WAIVES A TRIAL BY JURY IN ANY ACTION WITH
RESPECT TO THIS NOTE AND AS TO ANY ISSUE ARISING RELATING TO THIS NOTE OR TO THE
INSTRUMENTS  SECURING  THIS  NOTE.

       TO  INDUCE LENDER TO ENTER INTO THE COMMERCIAL LOAN TRANSACTION EVIDENCED
BY  THIS  NOTE AND SECURITY AGREEMENT, MAKER AGREES THAT THE SAID TRANSACTION IS
COMMERCIAL  AND  NOT  A  CONSUMER  TRANSACTION  AND WAIVES ANY RIGHT OF MAKER TO
NOTICE  AND  HEARING, JURY TRIAL AND THE POSTING OF BOND BY LENDER UNDER CHAPTER
903(A)  OF  THE  CONNECTICUT  GENERAL  STATUTES, REVISION OF 1958 AS AMENDED, OR
OTHER STATUTE OR STATUTES AFFECTING PREJUDGMENT REMEDIES AND AUTHORIZED LENDER'S
ATTORNEY  TO  ISSUE  A  WRIT  FOR  PREJUDGMENT  REMEDIES AND AUTHORIZED LENDER'S
ATTORNEY  TO  ISSUE A WRIT FOR PREJUDGMENT REMEDY WITHOUT A COURT ORDER PROVIDED
THE  COMPLAINT  SHALL  SET  FORTH  A  COPY  OF  THIS  WAIVER.

Presentment, protest and notice are hereby waived.

                                                     TANGIBLE COLLECTIBLES, INC.

                                                         By:/s/ Silvano DiGenova
                                                                Silvano DiGenova
                                                   Its Chairman, Duly Authorized

                                                        By:/s/ Michael R. Haynes
                                                               Michael R. Haynes
                                                  Its President, Duly AuthorizedQ3 2001 Exhibit 10.1

                                                                    Exhibit 10.1

CONFIDENTIAL TREATMENT REQUESTED - EDITED COPY

 [ * ] This information has been omitted based on a request for confidential
treatment.  The non-public information has been filed separately with the SEC.

Fourth Amendment to Marketing Agreement

This Fourth Amendment to Marketing Agreement ("Amendment") dated
July 1, 2001, is made and entered into by and between Charles Schwab &
Co., Inc., a California corporation, ("Schwab") and E-Loan, Inc., a Delaware
corporation ("E-Loan"), and is effective as of July 1, 2001.

WHEREAS, Schwab and E-Loan have entered into a Marketing Agreement dated as
of April 25, 2000 (the "Agreement"), and have amended the Agreement on
three separate occasions;

WHEREAS, Schwab and E-Loan have a mutual desire to further amend the
Agreement as set forth in this Amendment.

NOW, THEREFORE, the parties hereby agree as follows:

	Section 8.1 of the Agreement is hereby amended to read as follows:

8.1Marketing Fee. In addition to the Warrant being provided
by E-Loan to Schwab pursuant to section 8.2, E-Loan shall pay the following to
Schwab for its marketing services provided pursuant to the Agreement:

For the period between July 1, 2001 and June 30, 2002, the sum of
[*] payable in 12 equal monthly installments commencing on July 31, 2001
and continuing on the last day of each succeeding month;

For the period between July 1, 2002 and June 30, 2003, the sum of
[*] payable in 12 equal monthly installments commencing on July 31, 2002
and continuing on the last day of each succeeding month;

For the period between July 1, 2003 and June 30, 2004, the sum of
[*] payable in 12 equal monthly installments commencing on July 31, 2003
and continuing on the last day of each succeeding month.

	Section 11.4 of the Agreement is hereby amended by re-numbering the
existing paragraph as subparagraph (a) and adding a new
subparagraph (b) as follows:

(b)E-Loan shall have the right to terminate this Agreement without cause
on July 1, 2002, by giving written notice to Schwab on or before
May 2, 2002, provided, however, that E-Loan's right to
terminate this Agreement pursuant to this Section shall not apply if E-Loan
undergoes a "change of control" as described in Section 11.3(k) of this
Agreement at any time prior to July 1, 2002, whether or not E-Loan has
given notice to Schwab of E-Loan's intent to terminate the Agreement prior to
such change Of control.

	Section 11.4.1, which was added to the Agreement by the First Amendment
to Marketing Agreement dated as of July 10, 2000, is hereby deleted in its
entirety.
	Section 11.6 is hereby amended as follows:

11.6Transition Matters. Prior to the effective date of a termination of
this Agreement, E-Loan shall timely and completely perform its obligations
hereunder. Upon receipt of notice of termination, the parties shall negotiate in
good faith a transition plan, which shall provide for, among other things, the
completion of those loan applications and loan transactions then in hand and in
process on the effective date of the termination, the closing of the hyperlinks
between the Schwab Websites and the Schwab Mortgage Website and the answering
and redirection of telephone calls, e-mails or other communications seeking
Schwab products. Upon termination of this Agreement pursuant to
Section 11.4, L-Loan shall continue to perform its obligations under the
terms of the Agreement for a transition period of 180 days after the effective
date of termination or until such earlier time that Schwab notifies E-Loan that
the transition is complete, provided, however, that after the
effective date of termination and during the 180-day transition period E-Loan's
payment obligations under Section 8.1 shall not apply, and any compensation
for marketing services shall be as mutually agreed by the parties at market
rates consistent with past practice. E-Loan will cooperate fully with Schwab and
use its best efforts to assist Schwab in facilitating a smooth transition to a
new vendor or to Schwab's own systems.

	Except for the changes set forth in this Amendment, the Agreement shall
remain unchanged in all respects, and shall remain in full force and effect in
accordance with its terms. All previous amendments to the Agreement are hereby
superseded by this Amendment.

	
E-LOAN, INC.

By: /s/ Joseph J. Kennedy

Name: Joseph J. Kennedy

Title: President
	
CHARLES SCHWAB & CO., INC.

By: /s/ Michael Bentiveglio

Name: Michael Bentiveglio

Title: Senior Vice President

 

CONFIDENTIAL TREATMENT REQUESTED - EDITED COPY

 [ * ] This information has been omitted based on a request for confidential
treatment.  The non-public information has been filed separately with the SEC.

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