Document:

Exhibit 10.17

 

AMENDED AND RESTATED LETTER AGREEMENT

 

This Amended and
Restated Letter Agreement (this “Agreement”),  dated as of October 23, 2006, is by and
between BPO Newco II, Inc., a Delaware corporation (“BPO”), and
DeMarseCo, Inc., a Delaware corporation (“DeMarseCo”).

 

BPO and DeMarseCo
previously entered into a Letter Agreement dated as of September 20, 2006 (the “Prior Agreement”)  pursuant to which BPO has been providing
assistance to DeMarseCo in developing, reviewing and considering certain proposals
and suggestions relating to the management of DeMarseCo’s business, including
without limitation information with respect to potential acquisition targets.

 

BPO and DeMarseCo
desire to terminate the Prior Agreement and accept the rights and covenants hereof
in lieu of their rights and covenants in the Prior Agreement.

 

For good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto hereby agree as follows:

 

1.         Assistance and
Reimbursement. BPO is hereby retained to provide assistance to DeMarseCo in
developing, reviewing and considering certain proposals and suggestions
relating to the management of DeMarseCo’s business, including without
limitation information with respect to potential acquisition targets. As
consideration therefore, DeMarseCo hereby agrees to pay to BPO $25,000 per
calendar quarter, either in cash or assumption of trade payables (“Quarterly Fee”),  beginning October 1, 2006 and on the
middle day of each calendar quarter thereafter, until such time as neither
Philip Siegel or David Lack remain employees of BPO. In the event that
DeMarseCo issues or sells any preferred stock, common stock or other stock or
similar securities of DeMarseCo or any security convertible or exchangeable into
or for preferred stock, common stock or other stock or similar securities of
DeMarseCo (“Equity
Securities”)  for
cash in a single transaction or series of related transactions In which the
gross proceeds to the Company equal at least $5,000,000 excluding indebtedness
converted into such Equity Securities (a “Qualified Financing”),  effective upon the first day of the
calendar quarter in which the closing of such Qualified Financing occurs, the
Quarterly Fee shall increase to $100,000 per calendar quarter payable on the
closing of such Qualified Financing and on the first day of each calendar
quarter thereafter.

 

2.         Applicable Law.
THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS
OF THE STATE OF TEXAS.

 

3.         Miscellaneous.
This Agreement may be executed in a number of identical counterparts, each of
which for all purposes is to be deemed an original, and all of which constitute
collectively, one agreement. This Agreement shall be modified or amended only
in a written document, signed by each of the parties hereto.

 

 

IN
WITNESS WHEREOF this Agreement has been duly executed by the
parties hereto as of the date first set forth above.

 

 

	
   

  	
   

  	
  BPO NEWCO II, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  By:

  	
  /s/ Philip Siegel

  
	
   

  	
   

  	
   

  	
  Philip
  Siegel

  
	
   

  	
   

  	
   

  	
  President

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  DEMARSECO
  HOLDINGS, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  By:

  	
  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth
  DeMarse

  
	
   

  	
   

  	
   

  	
  President
  and Chief Executive Officer

  

 

 

SIGNATURE PAGE TO 

AMENDED AND RESTATED

LETTER
AGREEMENT

 

 

AMENDMENT TO AMENDED AND RESTATED LETTER AGREEMENT

BETWEEN BPO NEWCO II, INC. AND CCRD OPERATING CO., INC.

 

                This
Amendment (the “Amendment”) is effective as of September 6, 2007 and amends the
Amended and Restated Letter Agreement dated October 23, 2006 (the “Agreement”)
by and between BPO Newco II, Inc. (“BPO”) and CCRD Operating Co., Inc. (the
“Company,” formerly CreditCards.com, Inc. and DeMarseCo Holdings, Inc.).  All terms not defined herein shall have the
meaning ascribed to such term in the Agreement.

 

RECITALS

 

                The Agreement
originally provided that BPO would provide assistance to the Company in
developing, reviewing and considering certain proposals and suggestions
relating to the management of the Company’s business.

 

                The parties
now wish to amend the Agreement to provide for the termination of the Agreement
upon the effectiveness of an initial public offering of CreditCards.com, Inc.
and a payment to BPO upon the occurrence of such event.

 

AMENDMENT

 

NOW, THEREFORE, the parties,
in consideration of the mutual covenants and agreements contained herein and in
the Agreement, hereby agree as follows:

 

A.            Section 1 shall be
amended in its entirety to read as follows:

 

                “1.           Assistance and Reimbursement.  BPO is hereby retained to provide assistance
to the Company in developing, reviewing and considering certain proposals and
suggestions relating to the management of the Company’s business, including
without limitation information with respect to potential acquisition targets.
As consideration therefore, the Company shall continue to pay to BPO $100,000
per calendar quarter, either in cash or assumption of trade payables on the
middle day of each calendar quarter thereafter, until such time as the earliest
of (a) neither Philip Siegel nor David Lack remain employees of BPO, (b) the
effectiveness of the initial public offering of CreditCards.com, Inc., relating
to the Registration Statement on Form S-1 (file No. 333-145307) filed with the
Securities Exchange Commission or (c) March 31, 2008.  In the event of termination of this Agreement
by clause (b) or (c) of this Section, the Company will make a one-time payment
of $1.6 million to BPO.”

B.            No Further
Amendment.  Except as
otherwise expressly set forth herein, all of the terms and conditions of the
Agreement remain in full force and effect.

 

 

Signatures to follow

 

 

 

IN WITNESS WHEREOF, the
parties have executed this Amendment as of the date first above written.

 

	
   

  	
   

  	
  BPO NEWCO II, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  By:

  	
  /s/ Philip Siegel

  
	
   

  	
   

  	
   

  	
  Philip
  Siegel

  
	
   

  	
   

  	
   

  	
  President

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  CCRD OPERATING CO., INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  By:

  	
  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth
  DeMarse

  
	
   

  	
   

  	
   

  	
  President
  and Chief Executive OfficerExhibit 10.24

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 5

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of this
Senior Term A Note in accordance with the terms of the Credit Agreement that
the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN
REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE
SECURITIES LAWS OF ANY STATE. THIS NOTE HAS BEEN ACQUIRED FOR INVESTMENT
PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION, AND NO TRANSFER, SALE OR OTHER
DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A REGISTRATION STATEMENT WITH
RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER SUCH ACT, AND SUCH REGISTRATION
OR QUALIFICATION AS MAY BE NECESSARY UNDER THE SECURITIES LAWS OF ANY STATE HAS
BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE  June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 6

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed this Senior Term A Note
as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc.

  (f/k/a DeMarseCo Holdings, Inc.),

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 7

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 8

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN
REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE
SECURITIES LAWS OF ANY STATE. THIS NOTE HAS BEEN ACQUIRED FOR INVESTMENT
PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION, AND NO TRANSFER, SALE OR OTHER
DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A REGISTRATION STATEMENT WITH
RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER SUCH ACT, AND SUCH REGISTRATION
OR QUALIFICATION AS MAY BE NECESSARY UNDER THE SECURITIES LAWS OF ANY STATE HAS
BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT REQUIRED.

AMENDED AND RESTATED
SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 9

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc.

  (f/k/a DeMarseCo Holdings, Inc.),

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $3,000,000

  	
   

  	
  June
  18, 2007

  

No. 10

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of THREE
MILLION DOLLARS ($3,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

   

  
	
  

  	
   

  	
  By: 

  	
  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $2,832,805

  	
   

  	
  June
  18, 2007

  

No. 11

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of TWO
MILLION EIGHT HUNDRED THIRTY-TWO THOUSAND EIGHT HUNDRED AND FIVE 00/100 DOLLARS
($2,832,805) with interest thereon, on the terms and conditions set forth in
that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A Note”)
are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $1,892,445

  	
   

  	
  June
  18, 2007

  

No. 12

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of ONE
MILLION EIGHT HUNDRED NINETY-TWO THOUSAND FOUR HUNDRED AND FORTY-FIVE 00/100
DOLLARS ($1,892,445) with interest thereon, on the terms and conditions set
forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

   

  
	
  

  	
   

  	
  By: 

  	
  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT
BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE
SECURITIES LAWS OF ANY STATE.  THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR
SECURED TERM A NOTE

DUE ­­June 30, 2013

	
  $1,512,500

  	
   

  	
  August 27, 2007

  

 

No. 13

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of ONE
MILLION FIVE HUNDRED TWELVE THOUSAND FIVE HUNDRED AND NO/100 DOLLARS
($1,512,500) with interest thereon, on the terms and conditions set forth in
that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”).  All initially capitalized terms used herein
but not defined herein shall have the meanings ascribed to them in the Credit
Agreement.  Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article V
of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

1

 

This Senior Term A Note is also subject to mandatory and optional
prepayment, in whole or from time to time in part, at the times and on the
terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated
term notes that amends, modifies and restates, but does not extinguish or
constitute a novation of, the indebtedness evidenced by those certain
term notes, dated October 30, 2006, in the original aggregate amount
of $75,000,000 executed by the Borrower and payable to the order of the Holder
(the “Original Notes”).  All
rights, titles, liens, and security interests securing the Original Notes are
preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit
Agreement, the Borrower hereby
unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment
of this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim
against the Holder, the Agent or any other person, including any person who
assigned this Senior Term A Note to the Holder, absent gross negligence or
willful misconduct of such Holder, the Agent or any other person, including any
person who assigned this Senior Term A Note to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page
Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

	
   

  	
   

  	
  CCRD Operating Company, Inc. 

  (f/k/a CreditCards.com, Inc.), 

  a Delaware corporation

   

  
	
  

  	
   

  	
  By: 

  	
  

  /s/ Christopher Speltz

  
	
   

  	
   

  	
   

  	
  Christopher Speltz

  Chief Financial Officer

  

 

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM B NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 5

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

   

  
	
  

  	
   

  	
  By: 

  	
  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM B NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 6

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC.

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN
REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE
SECURITIES LAWS OF ANY STATE. THIS NOTE HAS BEEN ACQUIRED FOR INVESTMENT
PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION, AND NO TRANSFER, SALE OR OTHER
DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A REGISTRATION STATEMENT WITH
RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER SUCH ACT, AND SUCH REGISTRATION
OR QUALIFICATION AS MAY BE NECESSARY UNDER THE SECURITIES LAWS OF ANY STATE HAS
BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT REQUIRED.

AMENDED AND RESTATED SENIOR
SECURED TERM B NOTE

DUE June 30, 2013

	
  $5,000,000

  	
   

  	
  June 18, 2007

  

No. 7

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the terms
of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed this Senior Term B Note
as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC.

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation 

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM B NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 8

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation 

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM B NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June 18, 2007

  

No. 9

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC.

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED
SENIOR SECURED TERM B NOTE

DUE June 30, 2013

 

	
  $4,892,445

  	
   

  	
  June 18, 2007

  

No. 10

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FOUR
MILLION EIGHT HUNDRED AND NINETY-TWO THOUSAND FOUR HUNDRED AND FOURTY-FIVE
DOLLARS ($4,892,445) with interest thereon, on the terms and conditions set
forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR
SECURED TERM B NOTE

DUE June 30, 2013

	
  $2,832,805

  	
   

  	
  June 18, 2007

  

No. 11

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of TWO
MILLION EIGHT HUNDRED AND THIRTY-TWO THOUSAND EIGHT HUNDRED AND FIVE DOLLARS
($2,832,805) with interest thereon, on the terms and conditions set forth in
that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed this Senior Term B Note
as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation 

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT
BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE
SECURITIES LAWS OF ANY STATE.  THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR
SECURED TERM B NOTE

DUE June 30, 2013

	
  $1,512,500

  	
   

  	
  August 27, 2007

  

 

No. 12

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of ONE
MILLION FIVE HUNDRED TWELVE THOUSAND FIVE HUNDRED AND NO/100 DOLLARS
($1,512,500) with interest thereon, on the terms and conditions set forth in
that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”).  All initially capitalized terms used herein
but not defined herein shall have the meanings ascribed to them in the Credit
Agreement.  Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article V
of the Credit Agreement.

This Senior Term B Note is
transferable only in accordance with the terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory and optional
prepayment, in whole or from time to time in part, at the times and on the
terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated
term notes that amends, modifies and restates, but does not extinguish or
constitute a novation of, the indebtedness evidenced by those certain
term notes, dated October 30, 2006, in the original aggregate amount
of $75,000,000 executed by the Borrower and payable to the order of the Holder
(the “Original Notes”).  All
rights, titles, liens, and security interests securing the Original Notes are
preserved, maintained and carried forward to secure this Senior Term B Note.

Except as otherwise provided in the Credit
Agreement, the Borrower hereby
unconditionally waives (a) any rights to presentment, demand, protest or notice
of any kind (except as expressly required by the Credit Agreement), and (b) any
rights of rescission, setoff, counterclaim or defense to payment of this Senior
Term B Note in accordance with the terms of the Credit Agreement that the
Borrower may have or claim against the
Holder, the Agent or any other person, including any person who assigned this
Senior Term B Note to the Holder, absent gross negligence or willful misconduct
of such Holder, the Agent or any other person, including any person who
assigned this Senior Term B Note to
the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page
Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

	
   

  	
   

  	
  CCRD Operating Company, Inc. 

  (f/k/a CreditCards.com, Inc.), 

  a Delaware corporation

   

  
	
  

  	
   

  	
  By: 

  	
  

  /s/ Christopher Speltz

  
	
   

  	
   

  	
   

  	
  Christopher Speltz

  Chief Financial Officer

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