Document:

Warrant to Purchase Common Stock

 Exhibit 4.3 
 THIS WARRANT HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933 (THE “ACT”) NOR UNDER ANY STATE SECURITIES LAW AND MAY NOT BE PLEDGED, SOLD, ASSIGNED OR OTHERWISE TRANSFERRED EXCEPT AS PERMITTED UNDER THE ACT AND APPLICABLE
STATE SECURITIES LAWS PURSUANT TO REGISTRATION OR AN EXEMPTION THEREFROM. 
 WARRANT TO PURCHASE COMMON STOCK 
 OF 
 FNDS3000 CORP. 

This is to Certify That, FOR VALUE RECEIVED, Sherington Holdings, LLC or its assigns (collectively, “Holder”), is entitled to
purchase, any time and from time to time during the Exercise Period (as defined in Section (a) below) and subject to the provisions of this Warrant, from FNDS3000 Corp., a Delaware corporation (the “Company”), that number of
fully paid, validly issued and nonassessable shares of Common Stock of the Company (the “Common Stock”) that, when issued, will result in Holder owning beneficially thirty percent (30%) (or that percentage closest to (but not
below) 30% that can be achieved by a whole number of shares) of the aggregate shares of Common Stock, determined on a “Fully-Diluted Basis” (which means considering all Common Stock, including all common stock equivalents and
assuming the full exercise, conversion and exchange of all warrants, options, convertible notes and other securities or rights to acquire Common Stock or common stock equivalents regardless of vesting, forfeiture or other terms thereof, and taking
into account any anti-dilution or other adjustment provisions of such securities) (the Holder’s “Minimum 30% Share”), at the time that an Exercise Notice (as defined below) is delivered by Holder in accordance herewith, at a
price equal to thirty-five cents ($0.35) per share, which price from time to time may be adjusted in accordance herewith; provided, however, that such Minimum 30% Share, and the right to exercise the Warrant to achieve the same, shall
be calculated considering only (i) the issued and outstanding Common Stock of the Company as of the date hereof and (ii) any options, warrants and convertible notes or rights to acquire Common Stock or common stock equivalents issued by
the Company as of the date hereof or pursuant to the Company’s 2008 Stock Incentive Plan or other similar compensatory plan or program (collectively, the “Outstanding Convertible Securities”) (for clarification pruposes, the
right of Holder to exercise this warrant to achieve a Minimum 30% Share shall not relate to the future issuance of captial stock of the Company for capital raising purposes). The number of shares of Common Stock to be received upon exercise of this
Warrant and the price to be paid for each share of Common Stock may be adjusted from time to time as hereinafter set forth. The shares of Common Stock deliverable upon any exercise, and as adjusted from time to time, are hereinafter sometimes
referred to as “Warrant Shares” and the exercise price of a share of Common Stock in effect at any time and as adjusted from time to time is hereinafter sometimes referred to as the “Exercise Price”. 
 (a) EXERCISE OF WARRANT. This Warrant may be exercised in whole or in part at any time and from time to time beginning on January 6, 2009 (the
“Issue Date”) through December 31, 2010 (the “Exercise Period”). This Warrant may be exercised, in whole or in part, by written notice of such exercise (each, an “Exercise Notice”) to the
Company at its principal office with the Purchase Form annexed hereto duly executed and accompanied by payment of the Exercise Price for the number of Warrant Shares specified in such form. As soon as practicable after each such exercise of the
warrants, the Company shall issue and deliver to the Holder a certificate or certificates for the Warrant Shares issuable upon such exercise, registered in the name of the Holder or its designee. Upon receipt by the 

 
Company of an Exercise Notice and the appropriate aggregate Exercise Price for the applicable amount of Common Stock at its office in proper form for
exercise, the Holder shall be deemed to be the holder of record of the shares of Common Stock issuable upon such exercise, notwithstanding that the stock transfer books of the Company shall then be closed or that certificates representing such
shares of Common Stock shall not then be physically delivered to the Holder. On or before the first business day following the date on which the Company has received the Exercise Notice and the Exercise Price, the Company shall transmit by facsimile
to Holder (i) an acknowledgment of confirmation of receipt of the Exercise Notice and (ii) a capitalization table showing in detail the names, addresses, ownership, voting or other interests of all outstanding equity securities of the
Company and instruments convertible into Common Stock and any other equity securities of the Company, and the calculation of the number of Warrant Shares to be issued pursuant to this Warrant, together with a certificate of the chief financial
officer, president or chief executive officer of the Company to the effect that, after giving effect to the exercise of the Warrant and the issuance of the Warrant Shares as provided in the Exercise Notice, the Holder’s Minimum 30% Share will
be achieved. For clarification purposes, if this Warrant is exercised in whole or in part during the Exercise Period such that the Holder’s Minimum 30% Share is achieved, and at a later date in the Exercise Period additional Outstanding
Convertible Securities are exercised, such that Holder’s Minimum 30% Share is then diminished, this Warrant shall then be exercisable again and from time to time thereafter, as applicable, in accordance with its terms. 
 (b) RESERVATION OF SHARES. The Company covenants and agrees that all shares of Common Stock which may be issued upon exercise of this Warrant will, upon
issuance, be duly authorized and validly issued, fully paid and nonassessable, and no personal liability will attach to the holder thereof. The Company shall at all times reserve solely for issuance and/or delivery upon exercise of this Warrant such
number of shares of its Common Stock as shall be required for issuance and delivery upon exercise of this Warrant; and if at any time the number of authorized but unissued shares of Common Stock shall be insufficient to effect the issuance of the
Warrant Shares, the Company shall take such corporate action as may, in the opinion of its counsel, be necessary to increase its authorized but unissued shares of Common Stock to such number of shares as shall be sufficient for such purpose.

 (c) FRACTIONAL SHARES. No fractional shares or script representing fractional shares shall be issued upon the exercise of this Warrant,
but rather the number of shares of Common Stock to be issued shall be rounded up to the nearest whole number. 
 (d) EXCHANGE, TRANSFER,
ASSIGNMENT OR LOSS OF WARRANT. This Warrant is assignable and is exchangeable, without expense, at the option of the Holder, upon presentation and surrender hereof to the Company for other warrants of different denominations entitling the holders
thereof to purchase in the aggregate the same number of shares of Common Stock purchasable hereunder. Upon surrender of this Warrant to the Company at its principal office, with the Assignment Form annexed hereto duly executed, the Company shall,
without charge, execute and deliver a new Warrant or Warrants in the name of the assignee(s) named in such instrument of assignment and this Warrant shall promptly be canceled. This Warrant may be divided or combined with other warrants which carry
the same rights upon presentation hereof at the principal office of the Company, together with a written notice specifying the names and denominations in which new Warrants are to be issued and signed by the Holder hereof. The term
“Warrant” as used herein includes any Warrants into which this Warrant may be divided or exchanged. Upon receipt by the Company of evidence satisfactory to it of the loss, theft, destruction or mutilation of this Warrant, and (in
the case of loss, theft or destruction) receipt by the Company of indemnification reasonably satisfactory to it, and upon surrender and cancellation of this Warrant, if mutilated, the Company will execute and deliver a new Warrant of like tenor and
date. Any such new Warrant executed and delivered shall constitute an additional contractual obligation on the part of the Company, whether or not this Warrant so lost, stolen, destroyed, or mutilated shall be at any time enforceable by anyone.

 (e) RIGHTS OF THE HOLDER. The Holder shall not, by virtue hereof, be entitled to any rights of a
stockholder in the Company in excess of those already vested in Holder as of the date hereof, either at law or equity. 
 (f) ANTI-DILUTION
PROVISIONS. The number of shares of Common Stock purchasable upon the exercise of this Warrant shall be subject to adjustment from time to time thereafter upon the happening of certain events as follows: 
 (i) Dividends, Splits, Combinations, Reclassifications. In the event the Company shall hereafter (A) pay a stock dividend or make a stock
distribution of shares of Common Stock with respect to the Common Stock, (B) subdivide its outstanding Common Stock into a greater amount of Common Stock, (C) combine its outstanding Common Stock into a smaller amount of Common Stock, or
(D) issue by reclassification of its Common Stock any other security of the Company, the Exercise Price in effect immediately prior to such action shall be adjusted so that Holder shall be entitled to receive the amount of Common Stock or other
capital stock of the Company it would have owned immediately following such action had this Warrant or any remaining portion hereof been converted in full immediately prior thereto. All adjustments made pursuant to this Section (f)(i) shall become
effective immediately after the record date in the case of a dividend or distribution and shall become effective immediately after the effective date in the case of a subdivision, combination or reclassification. If, as a result of an adjustment
made pursuant to this Section (f)(i), Holder shall become entitled to receive the Warrant Shares and other securities of the Company, the Board of Directors of the Company shall reasonably determine the allocation of the adjusted Exercise Price
between or among the Warrant Shares and such other securities. If the amount of any single adjustment of the Exercise Price required pursuant to this Section (f)(i) would be less than one cent ($.01) at the time such adjustment is otherwise so
required to be made, such amount shall be carried forward and adjustment with respect thereto made at the time of and together with any subsequent adjustment which, together with such amount and any other amount or amounts so carried forward, shall
aggregate at least one cent ($.01) when the Exercise Price is subsequently adjusted. 
 (ii) Sale of Shares of Common Stock Below Exercise
Price. If at any time or from time to time after the date this Warrant is issued, the Company issues or sells, or is deemed by the express provisions of this Section (f)(ii) to have issued or sold, Additional Shares of Common Stock (as
hereinafter defined), other than as a dividend or other distribution on any class of stock as provided in Section (f)(i) above, and other than a subdivision or combination of shares of Common Stock as provided in Section (f)(i) above, for an
Effective Price (as hereinafter defined) less than the Exercise Price (subject to adjustment for any events after the Issue Date described in Section (f)(i), then the then existing Exercise Price shall be reduced, as of the opening of business on
the date of such issue or sale, to a price equal to the Effective Price. 
 (A) Determination of Consideration. For the
purpose of making any adjustment required under this Section (f)(ii), the consideration received by the Company for any issue or sale of securities shall (1) to the extent it consists of cash, be the amount of cash received by the Company
therefor before deducting any discounts, commissions or other expenses allowed, paid or incurred by the Company for any underwriting or otherwise in connection thereof, (2) to the extent it consists of property other than cash, be computed at
the fair value of that property as determined in good faith by the Board of Directors, and (3) if Additional Shares of Common Stock, Convertible Securities (as hereinafter defined) or rights or options to purchase either Additional Shares of
Common Stock or Convertible Securities are issued or sold together with other stock or securities or other assets of the Company for a consideration which covers both, be computed as the portion of the consideration so received that may be
reasonably determined in good faith by the Board of Directors to be allocable to such Additional Shares of Common Stock, Convertible Securities or rights or options. 

 (B) Treatment of Convertible Securities. For the purpose of the adjustment
required under this Section (f)(ii), if the Company issues or sells any rights or options for the purchase of, or stock or other securities convertible into, Additional Shares of Common Stock (such convertible stock or securities being herein
referred to as “Convertible Securities”) and if the Effective Price of such Additional Shares of Common Stock is less than the Exercise Price (subject to adjustment as aforesaid), in each case the Company shall be deemed to have
issued at the time of the issuance of such rights or options or Convertible Securities the maximum number of Additional Shares of Common Stock issuable upon exercise or conversion thereof and to have received as consideration for the issuance of
such shares an amount equal to the total amount of the consideration, if any, received by the Company for the issuance of such rights or options or Convertible Securities, plus, in the case of such rights or options, the amounts of consideration, if
any, payable to the Company upon the exercise of such rights or options, plus, in the case of Convertible Securities, the amounts of consideration, if any, payable to the Company (other than by cancellation of liabilities or obligations evidenced by
such Convertible Securities) upon the conversion thereof; provided that if, in the case of Convertible Securities, the amounts of such consideration cannot be ascertained but are a function of anti-dilution or similar protective clauses, the Company
shall be deemed to have received the amounts of consideration without reference to such clauses; and provided further that if the amount of consideration payable to the Company upon the exercise or conversion of rights, options or Convertible
Securities is reduced over time or on the occurrence or non-occurrence of specified events other than by reason of anti-dilution adjustments, the Effective Price shall be recalculated using the figure to which such amount of consideration is
reduced; and provided further that if the amount of consideration payable to the Company upon the exercise or conversion of such rights, options or Convertible Securities is subsequently increased, the Effective Price shall be again recalculated
using the increased amount of consideration payable to the Company upon the exercise or conversion of such rights, options or Convertible Securities. No further adjustment of the Exercise Price, as adjusted upon the issuance of such rights, options
or Convertible Securities, shall be made as a result of the actual issuance of Additional Shares of Common Stock on the exercise of any such rights or options or the conversion of any such Convertible Securities. If any such rights or options or the
conversion privilege represented by any such Convertible Securities shall expire without having been exercised, the Exercise Price as adjusted upon the issuance of such rights, options or Convertible Securities shall be readjusted to the Exercise
Price which would have been in effect had an adjustment been made on the basis that the only Additional Shares of Common Stock so issued were the Additional Shares of Common Stock, if any, actually issued or sold on the exercise of such rights or
options or rights of conversion of such Convertible Securities, and such Additional Shares of Common Stock, if any, were issued or sold for the consideration actually received by the Company upon such exercise, plus the consideration, if any,
actually received by the Company for the granting of all such rights or options, whether or not exercised, plus the consideration received for issuing or selling the Convertible Securities actually converted, plus the consideration, if any, actually
received by the Company (other than by cancellation of liabilities or obligations evidenced by such Convertible Securities) on the conversion of such Convertible Securities, provided that such readjustment shall not apply to prior exercises of this
Warrant. 
 (C) Excluded Issuances. For purposes of this Warrant, the term “Additional Shares of Common
Stock” shall mean all shares of Common Stock issued by the Company or deemed to be issued pursuant to this Section (f)(i), whether or not subsequently reacquired or retired by the Company other than (1) shares of Common Stock issued
upon exercise of this Warrant; and (2) shares of Common Stock issued pursuant to the exercise of options, warrants or convertible securities outstanding as of the date this Warrant is issued. 

 (D) Effective Price. For purposes of this Warrant, the term “Effective
Price” of Additional Shares of Common Stock shall mean the quotient determined by dividing the total number of Additional Shares of Common Stock issued or sold, or deemed to have been issued or sold by the Company under this Section (f)(i),
into the aggregate consideration received, or deemed to have been received by the Company for such issue under this Section (f)(i), for such Additional Shares of Common Stock. 
 (iii) Whenever the number of Warrant Shares are adjusted, as herein provided, the Company shall promptly, but no later than twenty (20) days after
the consummation of the event giving rise to such adjustment, cause a notice setting forth the adjusted Warrant Shares issuable upon exercise of each Warrant and information describing the transactions giving rise to such adjustments to be mailed by
certified mail to the Holder. Each such notice shall also be made available at all reasonable times for inspection by any Holder of a Warrant executed and delivered pursuant to Section (a). The Company may retain a firm of independent certified
public accountants selected by the Board of Directors (who may be the regular accountants employed by the Company) to make any computation required by this Section (f), and a certificate signed by such firm shall be conclusive evidence of the
correctness of such adjustment. 
 (iv) In the event that at any time, as a result of an adjustment made pursuant to this Section (f), the
Holder of this Warrant thereafter shall become entitled to receive any shares of the Company, other than Common Stock, thereafter the number of such other shares so receivable upon exercise of this Warrant shall be subject to adjustment from time to
time in a manner and on terms as nearly equivalent as practicable to the provisions with respect to the Common Stock contained in this Section (f). 
 (v) Irrespective of any adjustments made in the number of Warrant Shares issuable upon the exercise of this Warrant, Warrants theretofore or thereafter issued may continue to express the same price and number and kind of shares as are
stated in the similar Warrants initially issuable pursuant to this Agreement. 
 (g) NOTICES TO WARRANT HOLDERS. So long as this Warrant
shall be outstanding, (i) if the Company shall pay any dividend or make any distribution upon the Common Stock or (ii) if the Company shall offer to the holders of Common Stock for subscription or purchase by them any share of any class or
any other rights or (iii) if any capital reorganization of the Company, reclassification of the capital stock of the Company, consolidation or merger of the Company with or into another corporation, sale, lease or transfer of all or
substantially all of the property and assets of the Company to another entity, or voluntary or involuntary dissolution, liquidation or winding up of the Company shall be effected, then in any such case, the Company shall cause to be mailed by
certified mail to the Holder, at least fifteen (15) days prior the date specified in (x) or (y) below, as the case may be, a notice containing a brief description of the proposed action and stating the date on which (x) a record
is to be taken for the purpose of such dividend, distribution or rights, or (y) such reclassification, reorganization, consolidation, merger, conveyance, lease, dissolution, liquidation or winding up is to take place and the date, if any is to
be fixed, as of which the holders of Common Stock or other securities shall receive cash or other property deliverable upon such reclassification , reorganization, consolidation, merger, conveyance, dissolution, liquidation or winding up.

 (h) RECLASSIFICATION, REORGANIZATION OR MERGER. In case of any reclassification, capital reorganization or other similar change of the
outstanding shares of capital stock of the Company, consolidation or merger of the Company with or into another corporation (other than a merger with a subsidiary in which merger the Company is the continuing corporation and which does not result in
any reclassification, capital reorganization or other change of outstanding shares of Common Stock of the class issuable upon exercise of this Warrant) or in case of any sale, lease or conveyance to another corporation of all or substantially all
the assets of the Company resulting in any distribution to the 

 
Company’s stockholders, the Company shall cause effective provisions to be made so that the Holder shall have the right thereafter by exercising this
Warrant at any time prior to the expiration of the Warrant, to purchase the kind and amount of shares of stock, and other securities and property receivable upon such reclassification, capital reorganization and other change, consolidation, merger,
sale or conveyance by a holder of the number of shares of Common Stock which might have been purchased upon exercise of this Warrant immediately prior to such reclassification, change, consolidation, merger, sale or conveyance. Any such provision
shall include provision for adjustments which shall be as nearly equivalent as may be practicable to the adjustments provided for in this Warrant. The foregoing provisions of this Section (h) shall similarly apply to successive
reclassifications, capital reorganizations and changes of shares of the Company’s capital stock and to successive consolidations, mergers, sales or conveyances. In the event that in connection with any such capital reorganization or
reclassification, consolidation, merger, sale or conveyance, additional shares of Common Stock shall be issued in exchange, conversion, substitution or payment, in whole or in part, for a security of the Company other than Common Stock, any such
issue shall be treated as an issue of Common Stock covered by the provisions of Section (f)(i) hereof. 
 (i) REGISTRATION RIGHTS. The Holder
of this Warrant or of the Warrant Shares shall have the registration rights set forth in the Registration Rights Agreement entered into as of even date herewith. 
 (j) NOTICES. All notices or other communications which are required or permitted hereunder shall be in writing and sufficient if delivered personally, by facsimile or sent by overnight express or by registered or
certified mail, postage prepaid, addressed as follows: 
  

			
	If to the Company:	  	FNDS300 Corp
		  	818 A1A North, Suite 201
		  	Ponte Vedra Beach, FL 32082
		  	Attention: Joseph F. McGuire
		  	Telephone: 904-273-2702
		  	Facsimile: 904-273-7231
		
	If to Holder:	  	Sherington Holdings, LLC
		  	60 Sherington Place
		  	Atlanta, GA 30350
		  	Attention: Raymond Goldsmith
		  	Facsimile: 678-805-2501
		
	With copy to:	  	Troutman Sanders LLP
		  	600 Peachtree Street, N.E.
		  	Suite 5200
		  	Atlanta, GA 30308-2216
		  	Attention: John Stephenson
		  	Telephone: (404) 885-3602
		  	Facsimile: (404) 962-6728
		  	Email: john.stephenson@troutmansanders.com

 Each party shall provide notice to the other party of any change in address. 
 (l) INVESTMENT. The Holder hereof covenants and agrees that this Warrant has been taken for investment and for its own account and not with a view toward
resale or distribution within the meaning of the Securities Act of 1933, as amended or any state securities law. Furthermore, such Holder acknowledges that the certificate(s) representing the shares of Common Stock issuable upon exercise of this
Warrant will bear an appropriate legend to this effect. 

 (m) NONCIRCUMVENTION. The Company hereby covenants and agrees that the Company will not, by amendment of
its Certificate of Incorporation, Bylaws or through any reorganization, transfer of assets, consolidation, merger, scheme of arrangement, dissolution, issue or sale of securities, or any other voluntary action, avoid or seek to avoid the observance
or performance of any of the terms of this Warrant. Without limiting the generality of the foregoing, the Company shall take all such actions as may be necessary or appropriate in order that the Company may validly and legally issue fully paid and
nonassessable shares of Common Stock necessary for Holder to achieve Holder’s Minimum 30% Share upon the exercise of this Warrant including, without limitation, issuing additional or replacement warrants or otherwise providing Holder with
preemptive rights having the same effect. 
 (Signatures on the following page) 

 IN WITNESS WHEREOF, the Company has caused this Warrant to be signed in its name by its duly
authorized officers effective as of the 6th day of January, 2009. 
  

			
	COMPANY:
	
	FNDS3000 CORP.
		
	By:	 	  

		 	Name:
		 	Title:

  

	
	Attest:
	
	  

	Name:
	Title:

 PURCHASE FORM 
 Dated                      
 The undersigned hereby irrevocably elects to exercise the within Warrant to the extent of purchasing
                     shares of Common Stock and hereby makes payment of
                     in payment of the actual price thereof. 
  
  
 INSTRUCTIONS FOR REGISTRATION OF STOCK 
  

			
	Name	 	  

	(Please typewrite or print in block letters)
		
	Address	 	  

		
	Signature	 	  

 WARRANT EXCHANGE 
 The undersigned, pursuant to the Warrant Exchange provisions of the foregoing Warrant, hereby elects to exchange its Warrant for
                     shares of Common Stock. 
 Date:                      
  

	
	  

	Print Name
	
	  

	Address
	
	  

	Signature

 ASSIGNMENT FORM 
 FOR VALUE RECEIVED,
                                        
hereby sells, assigns and transfers unto 
  

			
	Name	 	  

	(Please typewrite or print in block letters)
		
	Address	 	  

 the right to purchase Common Stock represented by this Warrant to the extent of
                     shares as to which such right is exercisable and does hereby irrevocably constitute and appoint
                             Attorney, to transfer the same on the books of the Company with full
power of substitution in the premises. 
  

			
	Date	 	  

		
	SignatureFirst Amendment to Investment Agreement

 Exhibit 10.1 
 [*] = CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS
AMENDED. 
 FIRST AMENDMENT TO INVESTMENT AGREEMENT 
 THIS FIRST AMENDMENT TO INVESTMENT AGREEMENT (this “Amendment”), effective as of December 31, 2008, is by and among BANKS.COM, INC. (formerly known as “InterSearch Group, Inc.”),
a Florida corporation (“Company”), and CAPITAL SOUTH PARTNERS FUND I LIMITED PARTNERSHIP, a North Carolina limited partnership (“CapitalSouth I”), CAPITAL SOUTH PARTNERS FUND II LIMITED PARTNERSHIP, a North Carolina
limited partnership (“CapitalSouth II”), and HARBERT MEZZANINE PARTNERS II SBIC, L.P., a Delaware limited partnership (“Harbert” and, together with CapitalSouth I and CapitalSouth II, collectively, the
“Investors”), and is consented to by the undersigned guarantors under the Investment Agreement (as defined below). 
 WITNESSETH: 
 WHEREAS, the Company and the Investors are parties to that certain Investment Agreement dated as of
July 21, 2006 (as amended, restated, supplemented or otherwise modified from time to time, the “Investment Agreement”); and 
 WHEREAS, the Company and the Investors desire to amend the Investment Agreement, all as more particularly set forth herein. 
 NOW, THEREFORE, in consideration of the mutual agreements, provisions and covenants contained herein, the parties agree as follows: 
 Section 1. Defined Terms. Capitalized terms used herein but not otherwise defined herein shall have the meanings ascribed to such terms in the Investment Agreement. 
 Section 2. Amendments to and Waivers under Investment Agreement and Investment Documents. 
 a) New Defined Term. The following defined term is hereby added to Section 1.1 of the Investment Agreement in proper alphabetical
order: 
 (i) “First Amendment” means the First Amendment to Investment Agreement, dated as of December 31, 2008,
between Company and the Investors. 
 b) Amended Defined Terms. The following defined terms set forth in Section 1.1 of
the Investment Agreement are hereby deleted in their entirety and are redefined to read as follows: 
  

	 	(i)	 “Consolidated EBITDA” means, for any Reference Period, the aggregate of (i) Consolidated Net Income for such period, plus (ii) the sum of
(A) interest expense, (B) federal, state, local, foreign and other income taxes, 

  

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and (C) depreciation and amortization of intangible assets, (D) extraordinary losses and charges, (E) the amount of any non-cash write-down of
goodwill1, (F) cash expenses paid in connection with Contingent Purchase Price Obligations in an aggregate amount not to exceed $2,000,000 and
(G) non-cash expenses relating to any equity-based compensation, all to the extent taken into account in the calculation of Consolidated Net Income for such Reference Period and all calculated in accordance with GAAP, minus (iii) the sum
of (A) extraordinary gains or income and (B) noncash credits increasing income for such period, all to the extent taken into account in the calculation of Consolidated Net Income for such period.” 

  

	 	(ii)	“Maturity Date” means June 30, 2010. 

 c) Mandatory Prepayments. The word “and” after the semi-colon at the end of paragraph (iii) of Section 2.4 of the Investment Agreement is hereby deleted, the period at the end of paragraph (iv) of such
section is hereby replaced with a semi-colon, followed by the word “and”, and the following is hereby added as new paragraph (v) of Section 2.4 of the Investment Agreement: 
 (v) Promptly upon (and in any event not later than three Business Days after) receipt thereof by any Credit Party, the Company will redeem the Notes in a
principal amount equal to 100% of the aggregate cash proceeds from any federal or state income or other tax refund (but only to the extent such refunds exceed an amount equal to $5,000 in the aggregate). 
 d) Sale of Domain Name. The following affirmative covenant is hereby added as a new Section 6.16 of the Investment Agreement:

 6.16 Sale of Domain Name. On or before March 31, 2009, the Company shall exercise its commercially reasonable best efforts to
effect an Asset Disposition of its [*] domain name in exchange for aggregate Net Cash Proceeds of not less than [*] (it being understood that 100% of such Net Cash Proceeds shall be used to redeem the Notes as provided in Section 2.4(b)(i) of
the Investment Agreement). 
 e) Access to Records. Section 6.7 of the Investment Agreement is hereby amended by adding
the following immediately preceding the period at the end thereof: 
 , and (iii) instruct the Company’s certified public
accountants to promptly provide all information requested by the Investors, with respect to all federal and state income tax refunds owing to the Company or any of its Subsidiaries and (iv) instruct the Company’s investment bank or advisor
referred to in Section 3(g) of the First Amendment to provide the Investors with all information requested by the Investors regarding the Company’s strategic and capital-raising efforts pursuant to the agreement referenced in
Section 3(g) of the First Amendment, provided that any information obtained by the Investors pursuant to this Section 6.7 shall be deemed confidential information and shall be kept confidential by Investors pursuant to the
confidentiality provisions of the Investment Agreement. 
  

	1	This new clause (E) replaces the old clause (E), which referred to original deal closing costs. 

  

 2 

 f) Collateral Security Disclosure. As an additional affirmative covenant under the
Investment Agreement (such that a breach thereof shall constitute an Event of Default thereunder), the Company shall, on or before January 16, 2009, (i) deliver to the Investors amended and restated Annexes C, D, E and G to the Security
Agreement and Annex A to the Pledge Agreement, in each case in form and substance reasonably satisfactory to the Investors, and (ii) deliver to the Investors, in such number of copies as the Investors shall have requested, Assignments and
Grants of Security Interests for the federally registered Intellectual Property referred to in Annexes C, D and E of the Security Agreement (to the extent not heretofore delivered) in substantially the form of Exhibits B and C (as applicable) to the
Security Agreement, in each case duly completed and executed by the Company. 
 g) Additional Capital. As an additional
affirmative covenant under the Investment Agreement (such that a breach thereof shall constitute an Event of Default thereunder), the Company shall exercise its commercially reasonable best efforts to raise an additional $200,000 of capital (on
terms satisfactory to the Investors) on or before March 31, 2009. 
 h) Waivers. The Investors hereby waive any Default or
Event of Default arising under (i) Section 4.10(a) of the Security Agreement by virtue of the failure of the Company to notify the Investors of certain trademarks registered by the Company since the original consummation of the
transactions contemplated by the Investment Agreement, (ii) Sections 4.10(e) and 4.10(b)(iv) of the Security Agreement by virtue of the Company’s failure to notify the Investors of certain claims of InterSearch WorldWide, Ltd. (with
respect to certain uses of the “InterSearch” tradename), and under Section 3.8 of the Security Agreement by virtue of the Company’s failure to have the valid right and registration to use such trademark, and
(iii) Section 4.10(f) by virtue of the Company’s abandonment of certain trademark applications. The foregoing waivers are limited as expressly set forth above and shall not be deemed to apply to any other violations of the terms of
the Investment Documents or any subsequent violations of the foregoing sections of the Security Agreement. The Investors also hereby waive any Default or Event of Default arising under Section 6.8 and 6.9 of the Investment Agreement by virtue
of the Company’s acquisition of assets associated with its MyStockFund Securities business (such default being referred to herein as the “MyStockFund Default”), such waiver, however, being subject to the condition subsequent
that the Company shall satisfy its obligations under Section 2(f) of this First Amendment. 
 Section 3. Conditions.
The effectiveness of this Amendment is subject to the following conditions precedent: 
  

	 	a)	the execution and delivery of this Amendment by the Company and the Investors; 

  

	 	b)	all representations and warranties set forth in Section 4 below being true, correct and complete; 

  

	 	c)	no Default or Event of Default (other than the MyStockFund Default) has occurred and is continuing after giving effect to this Amendment; 

  

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	 	d)	The Investors shall have received a certificate executed by the [CEO/CFO] of the Company, with respect to the matters set forth in paragraphs (b) and
(c) above; 

  

	 	e)	The Board of Directors of the Company shall have approved the execution, delivery and performance of this Amendment by the Company, and the Investors shall have received a
certificate of the Secretary of the Company certifying as to such approval and the incumbency of the officers executing this Amendment and any other documents contemplated hereby; 

  

	 	f)	The Company and Daniel M. O’Donnell shall have entered into documentation on those terms and conditions described in Section 7 or other terms and conditions that are
acceptable to the Investors, evidencing O’Donnell’s investment of $300,000 in the Company’s Series C Preferred Stock, par value $.001 per share (the “Series C Preferred”); and 

  

	 	g)	The Company shall have paid in full all invoices theretofore issued to the Company by counsel to the Investors. 

 Section 4. Representations and Warranties. The Company hereby represents and warrants to the Investors as follows: 
  

	 	a)	each Credit Party is a corporation duly incorporated, validly existing and in good standing under the laws of the jurisdiction of its organization; 

 

	 	b)	each Credit Party has the power and authority to execute, deliver and perform its obligations under this Amendment; 

  

	 	c)	the execution, delivery and performance by each Credit Party of this Amendment have been duly authorized by all necessary action; 

  

	 	d)	this Amendment constitutes the legal, valid and binding obligation of each Credit Party, enforceable against such Credit Party in accordance with its terms, except as
enforceability may be limited by applicable bankruptcy, insolvency, or similar laws affecting the enforcement of creditor’s rights generally or by equitable principles relating to enforceability; and 

  

	 	e)	A complete list of all of the Subsidiaries of the Company as of the date hereof is set forth on Schedule 1 attached hereto. 

 Section 5. Confirmation of Guaranty. Each undersigned Guarantor, as guarantor of the Obligations of Company under the Investment
Agreement, hereby consents to the foregoing amendment to the Investment Agreement, waives any defense to its guaranty liability occasioned by such amendment and confirms that the Guaranty remains unchanged and in full force and effect. The foregoing
consent, waiver and acknowledgment of such Guarantors are made as of the date of this amendment. 
 Section 6. No Other
Amendment. Except as expressly set forth herein, nothing contained herein shall be deemed to constitute an amendment of or to any term or condition 

  

 4 

 
contained in the Investment Agreement or any of the other Investment Documents or constitute a course of conduct or dealing among the parties. The Investors
reserve all rights, privileges and remedies under the Investment Documents. Except as amended hereby, the Investment Agreement and other Investment Documents remain unmodified and in full force and effect. All references in the Investment Documents
to the Investment Agreement shall be deemed to be references to the Investment Agreement as amended hereby. 
 Section 7. Approval
of Investment in Series C Preferred. Each Investor acknowledges and agrees (for purposes of that certain waiver agreement among the Company and the Investors dated November 21, 2008) to the terms and conditions of Daniel M.
O’Donnell’s and certain of his affiliates’ $300,000 investment in the Company’s Series C Preferred, so long as such terms and conditions are not materially different from those set forth in Schedule II (except as may be required
by the rules and regulations of the NYSE Alternext U.S., f/k/a the American Stock Exchange). 
 Section 8. Counterparts.
This Amendment may be executed by one or more of the parties to this Amendment in any number of separate counterparts, each of which when so executed, shall be deemed an original and all said counterparts when taken together shall be deemed to
constitute but one and the same instrument. Any facsimiled or photocopied signature hereto shall be deemed an original signature, which hereby may be relied upon by any Person and shall be binding upon the respective signor. 
 Section 9. Successors and Assigns. This Amendment shall be binding upon and inure to the benefit of the Company and the Investors and
their respective successors and assigns. 
 Section 10. Further Assurance. The Company hereby agrees from time to time, as
and when requested by the Investors, to execute and deliver or cause to be executed and delivered, all such documents, instruments and agreements and to take or cause to be taken such further or other action as Investor may reasonably deem necessary
or desirable in order to carry out the intent and purposes of this Amendment, the Investment Agreement and the Investment Documents. 
 Section 11. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY AND SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF FLORIDA, WITHOUT REGARD TO CONFLICTS OF LAW PRINCIPLES. 

Section 12. Severability. Wherever possible, each provision of this Amendment shall be interpreted in such manner as to be
effective and valid under applicable law, but if any provision of this Amendment shall be prohibited by or invalid under such law, such provision shall be ineffective to the extent of such prohibition or invalidity without invalidating the remainder
of such provision or the remaining provisions of this Amendment. 
 [Remainder of Page Intentionally Left Blank; Signature Page Follows]

  

 5 

 IN WITNESS WHEREOF, the parties have executed this Amendment as of the date set forth above.

  

					
	COMPANY:
	
	BANKS.COM, INC., a Florida corporation
		
	By:	 	 /s/ Daniel M. O’Donnell

	Name:	 	Daniel M. O’Donnell
	Title:	 	President
	
	INVESTORS:
		
		 	 CAPITALSOUTH PARTNERS FUND I
 LIMITED PARTNERSHIP

			
		 	By:	 	CapitalSouth Partners, LLC, General Partner
			
		 	By:	 	 /s/ Joseph B. Alala

		 		 	Joseph B. Alala, President and Manager
		
		 	 CAPITALSOUTH PARTNERS FUND II
 LIMITED PARTNERSHIP

			
		 	By:	 	CapitalSouth Partners F-II, LLC, General Partner
			
		 	By:	 	 /s/ Joseph B. Alala

		 		 	Joseph B. Alala, President and Manager

 [Signatures Continue on Following Page] 

							
	HARBERT MEZZANINE PARTNERS II SBIC, LP
		
	By:	 	HMP II SBIC GP, LLC
		
	Its:	 	General Partner
			
		 	By:	 	Harbert Mezzanine Partners II GP, LLC
				
		 	Its:	 	Manager	 	
				
		 		 	By:	 	Harbert Mezzanine Manager II, Inc.
				
		 		 	Its:	 	Sole Manager
				
		 		 	By:	 	 /s/ J. Pryor Smart

		 		 	Name:	 	J. Pryor Smart
		 		 	Title:	 	Director of Investments

 [Remainder of Page Intentionally Left Blank; Signatures Continue on Following Page] 

					
	GUARANTORS:
		
		 	BANKS.COM, INC.
			
		 	By:	 	 /s/ Daniel M. O’Donnell

		 	Name:	 	Daniel M. O’Donnell
		 	Title:	 	President
		
		 	WALNUT VENTURES, INC.
			
		 	By:	 	 /s/ Daniel M. O’Donnell

		 	Name:	 	Daniel M. O’Donnell
		 	Title:	 	President
		
		 	INTERSEARCH CORPORATE SERVICES, INC.
			
		 	By:	 	 /s/ Kimberly L. O’Donnell

		 	Name:	 	Kimberly L. O’Donnell
		 	Title:	 	President
		
		 	LA JOLLA INTERNET PROPERTIES, INC.
			
		 	By:	 	 /s/ Mark Schwerin

		 	Name:	 	Mark Schwerin
		 	Title:	 	President
		
		 	INTERNET REVENUE SERVICES, INC.
			
		 	By:	 	 /s/ Daniel M. O’Donnell

		 	Name:	 	Daniel M. O’Donnell
		 	Title:	 	President
		
		 	OVERSEAS INTERNET PROPERTIES, INC.
			
		 	By:	 	 /s/ Kimberly L. O’Donnell

		 	Name:	 	Kimberly L. O’Donnell
		 	Title:	 	President

 [Signatures Continue on Following Page] 

			
	DOTTED VENTURES, INC.
		
	By:	 	 /s/ Daniel M. O’Donnell

	Name:	 	Daniel M. O’Donnell
	Title:	 	President

 Schedule 1 
 List of Subsidiaries of the Company 

 LIST OF SUBSIDIARIES 
 Banks.com, Inc. has seven wholly-owned subsidiaries. 
 Banks.com, Inc. holds all of the issued and outstanding equity
securities of InterSearch Corporate Services, Inc., a Nevada corporation. 
 InterSearch Corporate Services, Inc. holds all of the issued and outstanding
equity securities of MyStockFund Securities, Inc. 
 Banks.com, Inc. holds all of the issued and outstanding equity securities of Walnut Ventures, Inc., a
Nevada corporation. 
 Banks.com, Inc. holds all of the issued and outstanding equity securities of La Jolla Internet Properties, Inc., a Nevada corporation.

 Banks.com, Inc. holds all of the issued and outstanding equity securities of Internet Revenue Services, Inc., a Nevada corporation. 
 Banks.com, Inc. holds all of the issued and outstanding equity securities of Overseas Internet Properties, Inc., a Nevada corporation. 
 Banks.com, Inc. holds all of the issued and outstanding equity securities of Dotted Ventures, Inc., a Nevada corporation.

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