Document:

EXHIBIT 10.22

                        TANNING TECHNOLOGY CORPORATION
                               November 1, 1999

To:    Fred Fogel

From:  Larry Tanning

Re:    Five Quarter Compensation Plan

    As we have discussed, Tanning has developed a compensation plan for certain
senior executives for the five-quarter period beginning October 1, 1999 and
ending December 31, 1999.  Your cash compensation for the period will be an
annual rate of $122,500 ($5,104.17 on  a semi-monthly basis).  In addition, you
will be granted stock options to purchase 13,125  shares of Tanning common stock
at a per share exercise price of  $35 under our 1999 Stock Option Plan.  These
options will become exercisable (vest) monthly on a ratable basis (875 shares
per month), beginning on October 31, 1999, in all cases subject to the terms and
conditions of the 1999 Stock Option Plan and the related stock option agreement.

    Your existing employment and related agreements with Tanning (including
provisions relating to non-competition, etc.) will remain in full force and
effect except to the extent related to cash compensation matters.  As to all
matters relating to cash compensation, including cash incentive compensation and
bonus arrangements, the cash compensation described above will govern, effective
October 1, 1999.

    We are extremely excited about our company's future, and look forward to
more success together. Please indicate your agreement with the provisions of
this memorandum by signing below.

                                              Very truly yours,

                                              TANNING TECHNOLOGY CORPORATION

                                              By:  /s/ Larry G. Tanning

AGREED AND ACCEPTED

By:  /s/ Frederick H. FogelEXHIBIT 10.23

                         TANNING TECHNOLOGY CORPORATION
                                November 1, 1999

To:    Henry Skelsey

From:  Larry Tanning

Re:    Five Quarter Compensation Plan

    As we have discussed, Tanning has developed a compensation plan for certain
senior executives for the five-quarter period beginning October 1, 1999 and
ending December 31, 1999.  Your cash compensation for the period will be an
annual rate of $90,000 ($3,750 on  a semi-monthly basis).

    Your existing employment and related agreements with Tanning (including
provisions relating to non-competition, etc.) will remain in full force and
effect except to the extent related to cash compensation matters.  As to all
matters relating to cash compensation, including cash incentive compensation and
bonus arrangements, the cash compensation described above will govern, effective
October 1, 1999.

    We are extremely excited about our company's future, and look forward to
more success together. Please indicate your agreement with the provisions of
this memorandum by signing below.

                                     Very truly yours,

                                     TANNING TECHNOLOGY CORPORATION

                                     By:  /s/ Larry G. Tanning

AGREED AND ACCEPTED

By:  /s/ Henry F. SkelseyEXHIBIT 10.24

                        TANNING TECHNOLOGY CORPORATION
                               November 1, 1999

To:    Mark Tanning

From:  Larry Tanning

Re:    Five Quarter Compensation Plan

    As we have discussed, Tanning has developed a compensation plan for certain
senior executives for the five-quarter period beginning October 1, 1999 and
ending December 31, 1999.  Your cash compensation for the period will be an
annual rate of $155,000 ($6,458.33 on  a semi-monthly basis).  In addition, you
will be granted stock options to purchase 6,250  shares of Tanning common stock
at a per share exercise price of  $35 under our 1999 Stock Option Plan.  These
options will become exercisable (vest) monthly on a ratable basis (417 shares
per month), beginning on October 31, 1999, in all cases subject to the terms and
conditions of the 1999 Stock Option Plan and the related stock option agreement.

    Your existing employment and related agreements with Tanning (including
provisions relating to non-competition, etc.) will remain in full force and
effect except to the extent related to cash compensation matters.  As to all
matters relating to cash compensation, including cash incentive compensation and
bonus arrangements, the cash compensation described above will govern, effective
October 1, 1999.

    We are extremely excited about our company's future, and look forward to
more success together. Please indicate your agreement with the provisions of
this memorandum by signing below.

                                            Very truly yours,

                                            TANNING TECHNOLOGY CORPORATION

                                            By:  /s/ Larry G. Tanning

AGREED AND ACCEPTED

By:  /s/ Mark W. TanningEXHIBIT 10.25

                        TANNING TECHNOLOGY CORPORATION
                               November 1, 1999

To:    John Piccone

From:  Larry Tanning

Re:    Five Quarter Compensation Plan

    As we have discussed, Tanning has developed a compensation plan for certain
senior executives for the five-quarter period beginning October 1, 1999 and
ending December 31, 1999.  Your cash compensation for the period will be an
annual rate of $175,000 ($7,291.67 on  a semi-monthly basis).  In addition, you
will be granted stock options to purchase 18,750  shares of Tanning common stock
at a per share exercise price of  $35 under our 1999 Stock Option Plan.  These
options will become exercisable (vest) monthly on a ratable basis (1,250 shares
per month), beginning on October 31, 1999, in all cases subject to the terms and
conditions of the 1999 Stock Option Plan and the related stock option agreement.

    Your existing employment and related agreements with Tanning (including
provisions relating to non-competition, etc.) will remain in full force and
effect except to the extent related to cash compensation matters.  As to all
matters relating to cash compensation, including cash incentive compensation and
bonus arrangements, the cash compensation described above will govern, effective
October 1, 1999.

    We are extremely excited about our company's future, and look forward to
more success together. Please indicate your agreement with the provisions of
this memorandum by signing below.

                                          Very truly yours,

                                          TANNING TECHNOLOGY CORPORATION

                                          By:  /s/ Larry G. Tanning

AGREED AND ACCEPTED

By:  /s/ John N. PicconeEXHIBIT 10.26

                         TANNING TECHNOLOGY CORPORATION
                                November 1, 1999

To:    Larry Tanning

From:  Henry Skelsey

Re:    Five Quarter Compensation Plan

    As we have discussed, Tanning has developed a compensation plan for certain
senior executives for the five-quarter period beginning October 1, 1999 and
ending December 31, 1999.  Your cash compensation for the period will be an
annual rate of $206,500 ($8,604.17 on  a semi-monthly basis).

    Your existing employment and related agreements with Tanning (including
provisions relating to non-competition, etc.) will remain in full force and
effect except to the extent related to cash compensation matters.  As to all
matters relating to cash compensation, including cash incentive compensation and
bonus arrangements, the cash compensation described above will govern, effective
October 1, 1999.

    We are extremely excited about our company's future, and look forward to
more success together. Please indicate your agreement with the provisions of
this memorandum by signing below.

                                       Very truly yours,

                                       TANNING TECHNOLOGY CORPORATION

                                       By:  /s/ Henry F. Skelsey

AGREED AND ACCEPTED

By:  /s/ Larry G. Tanning<PAGE>
                                                                    Exhibit 10.7

                             EMPLOYMENT AGREEMENT

THIS EMPLOYMENT AGREEMENT ADDENDUM, is a supplement to the original EMPLOYMENT
AGREEMENT dated January 1, 1995, by and between MATRIX CAPITAL BANK,
(hereinafter referred to as the "Bank") and GARY LENZO (hereinafter referred to
as the "Employee").

WHEREAS, the Employee has heretofore been employed by the Bank as President and
Chief Executive Officer, and

WHEREAS, the Bank wishes to assure itself of the services of the Employee as
outlined in Section 5. Term of the original Employment Agreement, and
                       ----

WHEREAS, the parties desire by this writing to set forth the continued
employment relationship of the Bank and the Employee.

NOW THEREFORE, it is agreed to amend Section 2. Base Compensation and Section 5.
                                                -----------------
Term as follows:

2.  Base Compensation. The Bank agrees to pay the Employee during the term of
    -----------------
    the Addendum, a salary at the rate of $175,000 per annum payable in cash not
    less frequently than twice monthly and shall be increased annually in such
    an amount as the Board of Directors may determine.

5.  Term. This Addendum extends the period of employment an additional twelve
    ----
    (12) months, per performance evaluation by the Board of Directors, as
    outlined in the original Employment Contract, thereby extending the term of
    said Employment Agreement to January 1, 2003.

IN WITNESS WHEREOF, the parties have executed this Employment Agreement
Addendum, on the 14th day of December 1999.

                                         MATRIX CAPITAL BANK

                                         By:        /s/
                                            --------------------

                                         Name:  D. Mark Spencer

                                         Its:  Chairman

                                         By:    /s/
                                            --------------------

                                         Name:  Gary Lenzo

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