Document:

SYSTEMS AND MARKETING AGREEMENT

     This Systems and Marketing  Agreement  ("Agreement")  is entered into as of
September 30, 1999("Effective Date") between Option One Mortgage Corporation dba
H&R Block Mortgage, a California corporation having an address at S Ada, Irvine,
California 92618 ("HRBM") and E-LOAN,  Inc., a California  corporation having an
office at 5875 Arnold Road, Dublin,  California 94568 ("E-LOAN")  (collectively,
the "Parties")

     WHEREAS,  HRBM is engaged  in  providing  mortgage  services  that  include
processing,  origination,  and funding  mortgage  leans  secured by  residential
properties located in the United States; and

     WHEREAS,  E-LOAN is engaged in marketing mortgage services via the Internet
including  attracting  visitors to E-LOAN's website,  providing  visitors with a
variety of  mortgage  options,  and  displaying  a variety of  competitive  loan
products available on the market;

     WHEREAS,  HRBM and  E-LOAN  wish to  develop  a systems  communication  and
marketing  program("Program")  to facilitate  and market HRBM's loan products to
visitors of E-LOAN's website;

     NOW,  THEREFORE,  in consideration  of their mutual  promises,  the Parties
hereby agree as follows:

I. The Program

       (a)    E-LOAN shall market HRBM's various mortgage  programs and products
              to Internet  users.  The  Program  shall  include a  comprehensive
              marketing  plan  designed,  executed,  and paid for by E-LOAN,  to
              attract visitors to E-LOAN's website ("Customers") for the purpose
              of  obtaining   mortgage   loans  from  HRBM  and  other  mortgage
              companies.   All   customers   meeting  the  HRBM   mortgage  loan
              guidelines,  as set  forth in  Exhibit  A,  will be noted  and the
              on-line  preliminary  application  will be transferred to HRBM for
              further processing.

       (b)    Although  E-LOAN shall market HRBM to its Customers as required by
              the  Program:  (i) E-LOAN shall not be required to, and shall not,
              endorse  HRBM,  in any  communications  under the Program that are
              targeted  to  Customers;(ii)  E-LOAN  shall  not  be  required  to
              recommend  HRBM as a mortgage  provider and (iii) E-LOAN shall not
              be  required  to,  and shall not as part of the  Program,  provide
              advice,  counseling or assistance to Customers in connection  with
              any  particular  HRBM mortgage  loan, for which they have applied.
              E-Loan shall not hold itself out as a partner,  joint venturer, or
              similar business affiliate of HRBM.

 2. Compensation.

     (a)  HRBM shall pay E-Loan a one-time, non-refundable fee for the creation,
          construction, installation, and testing of the software, hardware, and
          other system enhancements  necessary for communications between E-Loan
          and  HRBM  systems  and  for  enabling  the  credit   calculations  on
          information  submitted by the Customers  (the "Set-Up Fee") The amount
          of the Set-Up Fee shall be [*] and shall be due upon execution of this
          Agreement  by both  Parties  and payable no more than twenty (20) days
          thereafter.

     (b)  HRBM shall pay E-Loan a marketing  fee of [*] per month (the  "Monthly
          Marketing  Fee") for the  marketing  activities  provided  under  this
          Agreement in connection with the Program.  Each Monthly  Marketing Fee
          shall be paid on or before the twentieth  (20th) day following the end
          of each  month.  To  illustrate,  the  Monthly  Marketing  Fee due for
          October  marketing  shall be due on or before  November  20,1999.  The
          Parties  each  acknowledge  and agree that the Monthly  Marketing  Fee
          reflects  the  reasonable  and  fair  market  value of the  goods  and
          services to be provided by E-LOAN under the Program, without regard to
          the value or volume of mortgage loans that may be  attributable to the
          Program.

 3. Term and Termination.

       (a)    The term of this Agreement shall be for a period of six (6) months
              commencing  on its  Effective  Date unless  earlier  terminated in
              accordance with the provisions of this Section 3.

       (b)    Notwithstanding anything to the contrary in this Agreement, either
              party may terminate  this  Agreement at any time, in the following
              situations ("Events of Default"):

              (1)     Material breach or this Agreement by the other party which
                      remains  uncured  after thirty (30) days'  written  notice
                      thereof;

              (2)     A party  makes a general  assignment  for the  benefit  of
                      creditors,  or files a voluntary petition in bankruptcy or
                      for  reorganization  or  arrangement  under the bankruptcy
                      laws, or a petition in bankruptcy is filed against a party
                      and is not dismissed  within sixty (60) days after filing,
                      or a receiver or trustee is appointed  for all or any part
                      of the property or assets of a party.

              Upon termination of this Agreement, as provided herein or pursuant
              to Paragraph 19; (i) HREM shall continue to process, in due course
              any mortgage loan applications  submitted by any Customer prior to
              the date of  termination,  and (ii) HRBM's  obligation  to pay any
              then due Monthly  Marketing  Fee will be prorated as of such date,
              and (iii) the  provisions  of  Section 5 of this  Agreement  shall
              survive.

4. Relationship

       The  relationship  between HRBM and E-LOAN  shall be that of  independent
       contractors  and  neither  party  shall be or  represent  itself td be an
       agent, employee, partner or joint venturer of the other, nor shall either
       party have or represent itself to have any power or authority to act for,
       bind or commit the other.

5. Representations and Warranties.

          (a)  HRBM's  Authority/Legal  Actions.  HRBM  is  a  corporation  duly
               organized,  validly  existing and in good standing under the laws
               of  the  State  of  California  with  full  corporate  power  and
               authority to transact the business contemplated by this Agreement
               and it possesses all requisite authority, power, license. permits
               and  franchises  to conduct its business as presently  conducted.
               Its execution, delivery and compliance with its obligations under
               the terms of this  Agreement are not  prohibited or restricted by
               any  government  agency.   There  is  no  claim.   action.  suit,
               proceeding  or  investigation  pending  or, to the best of HRBM's
               knowledge,  threatened against it or against any of its principal
               officers,  directors or key employees,  which,  either in any one
               instance or in the aggregate.  may result in an adverse change in
               the  business,  operations,  financial  condition,  properties or
               assets of HRBM,  or in any  impairment of the right or ability of
               HREM to  carry on its  business  substantially  as now  conducted
               through  its  existing  management  group,  or  in  any  material
               liability on the part of HRBM,  or which would draw into question
               the validity of this Agreement.

          (b)  E-LOAN's  Authority/Legal  Actions.  E-LOAN is a corporation duly
               organized,  validly  existing and in good standing under the laws
               of the State or Delaware with full corporate  power and authority
               to transact any and all business  contemplated  by this Agreement
               and it possesses all requisite authority. power, license, permits
               and  franchises  to conduct its business as presently  conducted.
               Its execution, delivery and compliance with its obligations under
               the terms of this  Agreement are not  prohibited or restricted by
               any  government  agency.   There  is  no  claim,   action,  suit.
               proceeding or  investigation  pending or, to the best of E-LOAN's
               knowledge,  threatened against it or against any of its principal
               officers,  directors or key  employees  which,  either in any one
               instance or in the aggregate,  may result in an adverse change in
               the  business,  operations,  original  condition,  properties  or
               assets of E-LOAN, or in any impairment of the right or ability of
               E-LOAN to carry on its business  substantially  as now  conducted
               through  its  existing  management  group,  or  in  any  material
               liability  on the  part of  E-LOAN,  or  which  would  draw  into
               question  the validity of this  Agreement.  The  information  and
               content on the E-LOAN website (other than information supplied by
               HRBM )and the E-LOAN Marks (as defined below) licensed hereunder,
               do not and will not infringe on the patent, copyright, trademark.
               trade name or other proprietary right of any third party.

          (c)  E-LOAN's   Compliance.   E-LOAN's  website   structure,   format,
               information, and content, as built and as used by E-LOAN shall be
               in full compliance with all applicable federal and state laws and
               this  Agreement.  E-LOAN has  obtained,  or will have obtained in
               connection with the transactions  contemplated by this Agreement,
               all  necessary  federal and state  approvals in  connection  with
               operation  and  ownership or its website and the content  thereof
               and will make the  necessary  changes  to its  website to reflect
               this Agreement and insure  accurate  representation.  The Privacy
               notices  and  Privacy  Policies  of  E-LOAN's  website  shall  be
               consistent  with the  Federal  Trade  Commission's  procedure  or
               rules, and comply with acceptable trade practices.

6. Execution/Conflict with Existing Laws or Contracts.

     The parties have taken all necessary  action to authorize their  respective
     execution,  delivery and  performance  of this  Agreement The execution and
     delivery of this Agreement and the  performance  of the  obligations of the
     respective  parties  hereunder  will not (I)  conflict  with or violate the
     Certificate or Incorporation or By-laws of either party or any provision of
     any law or regulation or any decree, demand or order to which either pad is
     subject  or (ii)  conflict  with or result in a breach of or  constitute  a
     default (or an event which,  with notice or lapse of time,  or both,  would
     constitute a default)  under any or the terms,  conditions or provisions of
     any agreement or instrument to which either party is a party or by which it
     is bound,  or any order or decree  applicable to either party, or result in
     the creation or imposition of any lien on any of their assets or property.

7. Confidential Information

     Each  party  recognizes  that  during  the  term  of  this  Agreement,  its
     directors,  officers,  employees  and  authorized  representatives  such as
     attorneys and accountants,  may obtain knowledge or trade secrets, customer
     lists,  membership  lists and other  confidential  information or the other
     party which is valuable,  proprietary,  special or unique to the  continued
     business of that party, which information is initially delivered in written
     form  including  electronic  form or is summarized and delivered in writing
     within thirty (30) days after initial  delivery in  non-written  form,  and
     which writing is marked  "Confidential"  or in a similar nature to indicate
     its nonpublic and proprietary nature ("Confidential  information.  However,
     Confidential  Information  does  not  include  information  that  is or (i)
     becomes  available to the general public other than through a breach by the
     recipient  party,  (ii) already known to the recipient party as or the time
     of communication  to the recipient party,  (iii) developed by the recipient
     party independently or and without reference to information communicated by
     the other party, or (iv) rightfully  received by the recipient party from a
     third party which third party is not under a legal duty of  confidentiality
     with respect to such information. Accordingly, each party as a recipient of
     the  other's  Confidential  Information  agrees  to hold  the  Confidential
     Information of the communicating party and the terms and conditions of this
     Agreement  in  confidence  and to use  diligent  efforts to ensure that the
     communicating party's Confidential Information the terms hereof are held in
     confidence by it officers, directors, employees, representatives and others
     over whom it exercises control Upon discovering any unauthorized disclosure
     of the communicating party's Confidential  Information or the terms or this
     Agreement,  the  recipient  will  use  diligent  efforts  to  recover  such
     information  and to prevent  its further  disclosure  to  additional  third
     parties.  In  addition,  the  recipient  party  will  promptly  notify  the
     communicating  party in writing of any such unauthorized  disclosure of the
     communicating  party's Confidential  Information.  The parties' obligations
     under this paragraph will survive for a period or three (3) years following
     the expiration or earlier termination of this Agreement.

8. Hold Harmless.

          (a)  HRBM agrees to  indemnify,  defend and hold E-LOAN  harmless from
               and  against  any  and all  claims,  suits,  actions,  liability,
               losses,  expenses or damages  which may  hereafter  arise,  which
               E-LOAN, its affiliates,  directors, officers, agents or employees
               may  sustain  due to or  arising  out  of any  misrepresentation,
               negligent  ad or  omission  by HRBM,  its  affiliates,  officers.
               agents,  representatives  or employees or out of any act by HRBM,
               its affiliates, officers, agents, representatives or employees in
               violation of this Agreement or in violation of any applicable law
               or regulation. Provided, however, the above indemnification shall
               not provide coverage for (a) any claim, suit or action, liability
               or loss,  expense or damage that resulted from E-LOAN'S negligent
               act  or   omission   to  a  breach   by  E-LOAN  of  any  of  its
               representations,  warranties or obligations under this Agreement,
               or (b) the  amount  by  which  any  cost,  fee,  expense  or loss
               associated  with any of the foregoing  were increased as a result
               of an act or  omission on the part of E-LOAN.  As a condition  of
               the foregoing  indemnity  obligation,  E-LOAN agrees to give HRBM
               reasonably prompt notice of any third party claim.

          (b)  E-LOAN  agrees to  indemnify,  defend and hold HRBM harmless from
               and  against  any  and all  claims,  suits,  actions,  liability,
               losses,  expenses or damages  which may  hereafter  arise,  which
               HRBM, its affiliates,  directors,  officers,  agents or employees
               may  sustain  due to or  arising  out  of any  misrepresentation,
               negligent act or omission by E-LOAN,  its  affiliates,  officers,
               agents, representatives or employees or out of any act by E-LOAN,
               its affiliates, officers, agents, representatives or employees in
               violation of this Agreement or in violation of any applicable law
               or regulation. Provided, however, the above indemnification shall
               not provide coverage for (a) any claim, suit or action, liability
               or loss,  expense or damage that resulted from a negligent act or
               omission of HRBM or that is  attributable  to a breach by HRBM of
               any of its representations, warranties or obligations pursuant to
               this Agreement,  or(b) the amount by which any cost, fee, expense
               or loss  associated with any of the foregoing were increased as a
               result of an act or omission on the part of HRBM.  As a condition
               of the foregoing indemnity obligation, HRBM agrees to give E-LOAN
               reasonably prompt notice of any third party claim.

9. Notices

     All notices required Of permitted by this Agreement shall be in writing and
     shall be given by certified mail,  return receipt requested or by reputable
     overnight  courier with package tracing  capability and sent to the address
     at the read of this Agreement or such other address that a party  specified
     in writing in accordance with this paragraph.

10. Disclaimer Concerning Tax Effects

     Neither party to this Agreement makes any representation or warranty to the
     other regarding the effect that this Agreement and the  consummation of the
     transactions  contemplated hereby may have upon the foreign, federal, state
     or local tax liability of the other.

11. Disclaimer of Warranties

     Neither E-LOAN nor HRBM guarantees  continuous or uninterrupted  display or
     distribution  of  any  links  contemplated   hereunder.  or  continuous  or
     uninterrupted  operation  of their  respective  websites.  In the  event of
     interruption  of display or distribution of E-LOAN's or HRBM's links or the
     parties'  websites (or any portion there to the parties' sole obligation to
     each other shall be to restore  service as soon as  practical.  In no event
     will  either  party be  liable  for  consequential,  punitive.  special  or
     indirect  damages in  connection  with this  Agreement  or the  obligations
     contemplated  hereby  even if they are advised of the  possibility  of such
     damages.  Notwithstanding  the  foregoing.  or any other  provision in this
     Agreement,  should  operation  be  interrupted  for  eight  or  more  hours
     throughout a day (an "Interrupted flay") for five consecutive calendar days
     or longer,  the Monthly Marketing Fee shall be reduced by that amount equal
     to $2,500 per clay for each Interrupted Day.

12. Capitalized Terms. Capitalized terms used herein shall have the meanings set
    forth herein.

13. Amendment

     The terms and  conditions of this  Agreement may not be modified or amended
     other than by a writing signed by both parties.

14. Trademark License

     Neither party may use the other parties  trademarks,  service marks,  trade
     names,  logos,  or other  commercial  or  product  designation(collectively
     "Marks") for any purpose  whatsoever  without the prior written  consent of
     the other party.

15. Assignment/Binding Nature

     Neither party may assign,  voluntarily,  by operation of law, or otherwise,
     any rights,  or delegate any duties under this  Agreement to any party that
     is not an affiliate of itself as of the Effective  Date,  without the other
     party's  prior  written  consent,  except that either party may assign this
     Agreement  or any of its rights or  obligations  arising  hereunder  to the
     surviving entity in a merger, acquisition,  reorganization or consolidation
     in which it  participates,  or to a purchaser of  substantially  all of its
     assets;  providing that the assigning  party will give  reasonable  written
     notice to the non-assigning party in advance of such merger, acquisition or
     other  assignment and that the surviving  entity is not a competitor to the
     non-assigning  party.  Subject to the foregoing,  this  Agreement  shall be
     binding upon and shall inure to the benefit of the  successors  and assigns
     of the Parties.

16. Entire Agreement

     This  Agreement  and any Exhibits  attached  hereto  constitute  the entire
     Agreement   between  the  Parties  and   supersede  all  oral  and  written
     negotiations of the Parties with respect to the subject matter hereof.

17. Governing Law

     This  agreement  shall be  subject to and  construed  under the laws of the
     Stale of  California.  without  reference to  conflicts  of law  provisions
     thereof

18. Severability

     If any  provision  of this  Agreement  should  be  invalid,  illegal  or in
     conflict with any applicable  state or federal law or regulation,  such law
     or  regulation  shall  control,  to the  extent or such  conflict,  without
     affecting the remaining provisions or this Agreement.  This Agreement shall
     be deemed to be severable and. if any provision is determined to be void or
     unenforceable, then that provision will be deemed severed and the remainder
     or the Agreement will remain in effect. Without limiting the foregoing,  if
     either party is advised by counsel or a regulatory body having jurisdiction
     over the party's  activities that any provision of this Agreement  violates
     any applicable  federal or state law or regulation,  then the parties agree
     cooperate  to comply  with such advice by  modifying  or  terminating  this
     Agreement (in whole or in part).

IN WITNESS  WHEREOF,  the Parties have caused this  Agreement to be executed the
day and year first above written.

E-LOAN, Inc.                               Option One Mortgage Corporation,
                                           dba H & R Block Mortgage

By: /s/Joseph J. Kennedy                    By:  /s/ Tim Owens
    --------------------                        -----------------------------
    Joseph J. Kennedy                           Tim Owens
    President & COO                             SVP

<PAGE>

                                    Exhibit A

HRBM Loan Program Guidelines

[*]Website Linking Agreement

     This  Website  Linking  Agreement  (this  "Agreement")  is  effective as of
September 30, 1999, between Providian  Financial  Corporation  ("Providian"),  a
Delaware corporation and E-Loan, Inc., a Delaware corporation ("E-Loan").

1.  Background.

          (a)  Providian  markets,  sells and provides to consumers  credit card
products and related  products and  services  (e.g.,  those listed on Exhibit A)
(collectively  the "Business") on the Internet through a website at the Resource
Locator (URL): http://www.aria.com (the "Providian Website").

     1.2 E-Loan markets, sells and provides consumer information concerning home
mortgages, home equity loans and automobile financing and other lending products
on the Internet at the URL:  http://www.e-loan.com or http://www.eloan.com  (the
"E-Loan Website").

     1.3 E-Loan  would also like to offer its  customers  the  ability to obtain
credit cards and related  products and services from  Providian  pursuant to the
terms of this Agreement and Providian  would like to be referred  customers from
E-Loan pursuant to the terms of this Agreement.

2.   E-Loan Responsibilities.

     2.1 By September 30, 1999,  E-Loan will have modified,  and will thereafter
continue  to  maintain,  the home page of the  E-Loan  Website  to  promote  the
Business in a similar,  and at least as  prominent,  manner as it  promotes  its
current  and future  businesses  (mortgages,  home equity  loans and  automobile
financings).  All  references  on the E-Loan  Website to  products,  services or
websites  relating  to the  Business  will be  subject  to  Providian's  written
approval and shall include  hyperlinks  to a new web page on the E-Loan  Website
that describes the Business (the  "Originating  Web Page").  The Originating Web
Page, as well as all modifications thereto, will:

          (a) exclusively promote the products and services of the Business with
the content provided by Providian;

          (b) be approved by Providian in writing  prior to being  accessible by
Internet users; and

          (c)  except  for  navigational  hyperlinks  to other  web pages on the
E-Loan  Website,  contain  hyperlinks  exclusively to web pages on the Providian
Website  enabling  the  customer  to apply for any and all of the  products  and
services offered at the Providian Web Site.

     2.2  Exclusivity.  E-Loan  will not  operate,  promote,  assume  a  profits
interest  in, or assist any third  party in any  business  competitive  with the
Business,  including,  but not limited to, (a) providing any hyperlinks from any
portion of its  Website to any  website  competitive  with the  Business  or (b)
giving any business  competitive with the Business access to any E-Loan customer
information  (collectively,  "Competitive  Activity").  During  the term of this
Agreement,  E-Loan will not publicly announce any agreement with any third party
under which E-Loan would assist or be involved in any Competitive Activity.

     2.3 Performance Standards.  E-Loan shall generate sufficient traffic to the
Originating  Web Page  that at  least  (a)  2,500  Originating  Web Page  Booked
Accounts (as defined in Section  3.1) shall be created in the  calendar  quarter
ending  December  31, 1999 and (b) 3,000  Originating  Web Page Booked  Accounts
shall have been created in each of the first three calendar quarters of 2000.

     2.4 Brand Maintenance. E-Loan will:

          (a) continue to support the E-Loan brand and promote Internet users to
visit the E-Loan  Website at least at the same level it has been  providing such
support and promotion in the past six months;

          (b) not take  any  action  that  would  likely  divert  customers  for
products  and  services  of the  Business  away  from the  E-Loan  Website,  the
Originating Web Page, or the Providian  Website or decrease the number of people
that apply for credit cards through the Providian Website;

          (c) generate a sufficient amount of traffic to the E-Loan Website that
causes Internet users in aggregate each month to request,  and E-Loan to respond
to, at least  900,000  rate quotes for E-Loan  products  via the E-Loan  Website
(each completed request and response, a "Rate Quote"); and

          (d) deliver to  Providian by the 15th of each month a statement of the
number  of Rate  Quotes  provided  in the  previous  month  and  the  geographic
dispersion of such Internet users.

     2.5 Content Updates.  E-Loan will incorporate Providian's requested changes
of content to the E-Loan Website concerning Providian's products and services as
promptly as commercially  practicable,  but in any event within ten days of such
request, unless E-Loan reasonably objects to such content and notifies Providian
in  writing  of the reason  for such  objection  within ten days of  Providian's
submission of such requested changes.

3.   Providian Obligations.

     3.1  Originating  Web Page  Booked  Accounts.  Providian  will  track  each
customer  that  accesses the Providian Web Site directly from a hyperlink at the
Originating  Web Page and applies for a credit  card on the  Providian  Web Site
before  leaving the  Providian  Website (an  "Originating  Web Page  Customer").
Providian  will  thereafter  send a  credit  card to each  Originating  Web Page
Customer  that has received  underwriting  approval.  Upon the Original Web Page
Customer's receipt and successful activation of the credit card, an "Originating
Web Page Booked Account" shall have been created. Providian shall deliver E-Loan
by the 15th of each month a statement of the numbers and  geographic  dispersion
for the prior month of Originating  Web Page Customers and  Originating Web Page
Booked Accounts.

     3.2  Customer  Service.  Providian  will provide the  Originating  Web Page
Customers  with at least the same level of  customer  service it provides to its
other  customers and will use its best efforts to address any problems raised by
Originating Web Page Customers in any customer surveys conducted. Providian will
provide E-Loan with summaries of the results of any customer surveys it receives
from Originating Web Page Booked Accounts.

     3.3 Sharing of Account  Information.  Providian  will use its  commercially
reasonable  efforts to the extent permitted by applicable law, to provide E-Loan
electronically  current  Originating  Web Page Booked Account balance and credit
limit  information  for  Originating  Web Page  Booked  Account  customers  that
electronically  consent,  via an opt-in mechanism on the Providian  Website,  to
Providian   providing   such   information   to  E-Loan  (the  "Shared   Account
Information"). The Shared Account Information may be used by E-Loan for the sole
purpose of providing  Originating Web Page Booked Account  customers the ability
to o9btain the current outstanding balance and credit limit on their credit card
account via the E-Loan Website.  E-Loan shall not use Shared Account Information
for  any  other  purpose  and  shall  destroy  all  such  information  upon  the
termination of this Agreement.

     3.4  Product  Availability.  Providian  will  enable  Originating  Web Page
Customers  to apply  for any and all  credit  card  products  being  offered  by
Providian on the Providian Website.

     3.5 Co-Branded Website. As soon as commercially practicable, Providian will
modify the Providian  Website to enable  Internet  users  visiting  unsecure web
pages of the Providian  Website via a hyperlink from the Originating Web Page to
(a) view E-Loan's name and logo and (b) be able to hyperlink  back to the E-Loan
Website.

4.   Payments.

     4.1 Initial  Payment.  On the date of this  Agreement,  Providian shall pay
E-Loan [*].

     4.2  Performance  Payment.  Providian  shall pay E-Loan an  additional  [*]
within 30 days following E-Loan's achievement of both:

          (a) 11,500 Originating Web Page Booked Accounts; and

          (b) an average of 900,000 Rate Quotes per month since October 1, 1999.

     4.3 Commission.  Within thirty (30) days following the end of each calendar
quarter,  Providian  shall pay  E-Loan a  commission  based  upon the  number of
Originating Web Page Booked  Accounts  created in a calendar  quarter.  For each
calendar quarter in which:

          (a) less than 3,000  Originating Web Page Booked Accounts are created,
Providian shall pay no commission to E-Loan;

          (b)  3,000 or more but less than  7,500  Originating  Web Page  Booked
Accounts are created,  Providian  shall pay E-Loan an aggregate  amount equal to
the sum of [*] plus an  additional  [*] for  each  Originating  Web Page  Booked
Account in excess of 3,000; or

          (c) 7,500 or more  Originating  Web Page Booked  Accounts are created,
Providian  shall pay E-Loan an aggregate  amount equal to [*] plus an additional
[*] for each  Originating  Web Page Booked  Account in excess of 7,500  Accounts
generated.

     4.4 Payment of Commissions.  Providian will pay any Commissions  owed for a
given calendar quarter within 30 days after the end of that calendar quarter.

5.   Intellectual Property.

     5.1 License.  Each party (the "Granting Party") grants the other party (the
"Receiving  Party")  a  nonexclusive  right  to  display  the  Granting  Party's
trademarks and copyrights on the Receiving Party's Website; provided that:

          (a) the Receiving Party will use the Granting  Party's  trademarks and
copyrights in accordance with such guidelines as may be provided by the Granting
Party from time to time;

          (b) the Granting  Party may inspect the  Receiving  Party's use of the
Granting  Party's  trademarks and copyrights and require the Receiving  Party to
modify  such use to an  acceptable  form to the  Granting  Party or  immediately
remove the Granting Party's trademarks and copyrights at issue;

          (c) such licenses will not confer to the Receiving  Party any right of
ownership in, or to, the Granting Party's trademarks or copyrights ; and

          (d) the use by Receiving Party of the Granting Party's  trademarks and
copyrights will inure to the benefit of the Granting Party.

     5.2 Confidentiality. The parties agree and acknowledge that, as a result of
negotiating,  entering into and performing  this  Agreement,  each party has and
will have access to certain of the other party's  Confidential  Information  (as
defined  below).  Each party also  understands  and agrees  that  misuse  and/or
disclosure  of  that  information  could  adversely  affect  the  other  party's
business. Accordingly, the parties agree that, during the term of this Agreement
and thereafter, each party shall use and disclose the other party's Confidential
Information  only in  furtherance  of the purposes of this  Agreement  and shall
restrict  disclosure  of  the  other  party's  Confidential  Information  to its
employees,  consultants or independent contractors with a need to know and shall
not  disclose  the other  party's  Confidential  Information  to any third party
without the prior written approval of the other party.

          (a)  Notwithstanding  the foregoing,  it shall not be a breach of this
Agreement  for either party to disclose  Confidential  Information  of the other
party if  compelled  to do so  under  law,  by  government  regulators,  or in a
judicial or other governmental  investigation or proceeding,  provided the other
party has been  given  prior  notice to permit  such  other  party a  reasonable
opportunity to object to the judicial or governmental requirement to disclosure.

          (b) As used in this  Agreement,  the term  "Confidential  Information"
refers to: (i) the terms, conditions and existence of this Agreement;  (ii) each
party's trade secrets,  business plans,  strategies,  methods and/or  practices;
(iii) any and all  information  which is governed by any  now-existing or future
non-disclosure  agreement  between the parties;  and (iv) any other  information
relating to either party which is not generally  known to the public,  including
information  about either  party's  personnel,  products,  customers,  marketing
strategies,  services,  or future business plans.  The parties may  specifically
designate  certain  information  as being  Confidential  Information  whether by
marking the information "confidential" or otherwise, however, information not so
marked  and which  falls  within the scope of this  Section  shall be treated as
Confidential Information.

          (c) However, the term "Confidential Information" specifically excludes
(i)  information  that is now in the public  domain or  subsequently  enters the
public  domain by  publication  or  otherwise  through no action or fault of the
other party; (ii) information that is known to either party without restriction,
prior to  receipt  from the  other  party  under  this  Agreement,  from its own
independent  sources, and which was not acquired,  directly or indirectly,  from
the other party;  (iii)  information  that either party  receives from any third
party  having a legal  right to  transmit  such  information,  and not under any
obligation  to  keep  such  information   confidential;   and  (iv)  information
independently  developed by either  party's  employees or agents  provided  that
either party can show that such information was developed  without  reference to
the Confidential Information received hereunder.

6. Term.  The initial term shall expire on the first  anniversary of the date of
this  Agreement;  provided,  however,  the  initial  term will be  automatically
extended  until the first to occur of: (a) December 31, 2000 or (b) the creation
of at least  10,000  Originating  Web Page  Booked  Accounts.  The term  will be
automatically  renewed for additional one-year periods unless either party sends
the other party written  notice of nonrenewal at least 45 days before the end of
a term.

7. Termination.  This Agreement may be terminated by the non-breaching  party in
the event of a breach of a material term of this Agreement if the  non-breaching
party delivers  written notice to the breaching  party of the breach ("Notice Of
Breach")  and the  breaching  party  fails to cure  the  breach  within  90 days
thereafter.

8. Mutual Representations and Covenants.

     8.1  Conduct.  Each party  shall  perform  all of its duties  hereunder  in
compliance of applicable  laws and shall conduct its activities in a first class
manner reflecting favorably on the other party.

     8.2  Intellectual  Property.  The content  and  materials  on each  party's
website  will not  infringe  upon or  violate  (a) any U.S.  copyright,  patent,
trademark,  trade  secret  or other  proprietary  right of a third  party or (b)
applicable law, regulation, or non-proprietary third-party right.

     8.3  Authority and  Noncontravention.  Each party  represents  and warrants
that:

          (a) it  possesses  all  necessary  corporate  authority  and  power to
execute this Agreement;

          (b) this  Agreement,  when mutually  executed by the parties,  will be
binding and enforceable against each party; and

          (c)  entering  into  this  Agreement  will not  contravene  any  other
agreement or right of a third party.

     8.4 Active Websites.  Each party shall use best efforts to keep its website
operational 24 hours a day each day, except for limited downtime during non-peak
usage periods for scheduled maintenance.

     8.5 Mutual  Cooperation.  The parties agree to cooperate in the enhancement
of E-Loan's Website to promote the Business and maximize customer  click-through
rate from the E-Loan  Website to the  Providian  Website and the  percentage  of
those customers that apply for a credit card on the Providian Website.

     8.6 Public Announcements. The parties shall reach agreement with each other
as to the content,  form and timing of any public  announcement  concerning  the
execution of this Agreement, the transactions  contemplated by this Agreement or
any other matter  concerning  this Agreement or its operation  before making any
such public announcement; provided, however, that this Section shall not require
either party to refrain from making any  announcement or disclosure which in the
opinion of its counsel is required by law or by any regulatory authority.

     8.7 Audit Rights.  Providian shall have the right to demand an audit of the
number of Rate Quotes and E-Loan  shall have the right to demand an audit of the
number of Originating Web Page Booked  Accounts,  both pursuant to the following
procedures:

          (a) A party may demand an audit (the "Audit  Requester")  no more than
two times  during the term by  delivering  written  notice of such demand to the
party to be  audited  (the  "Audited  Party")  specifying  a "Big  Four"  public
accounting  firm that the Audit Requester has retained to conduct the audit (the
"Auditor")  and the specific  monthly  statements  to be audited  (the  "Audited
Statements");  provided,  however,  that the Auditor shall not be the accounting
firm that audits the Audit Requester's financial statements;

          (b) Within 30 days after  receiving  the notice of audit  demand,  the
Audited  Party  shall  grant  the  Auditor  access to those  books  and  records
reasonably necessary to conduct the relevant audit.

          (c) The Audited  Party shall pay the fees and  expenses of the Auditor
if the Auditor determines that the Audited Statements were in error by more than
10% of the aggregate total amount stated on the Audited Statements.

9.  Warranties  and  Limitation  on Liability.  Except for the  representations,
warranties,  and convenants  specifically made in this Agreement,  neither party
makes any warranties,  express or implied, and specifically  disclaims all other
warranties  including,  but not limited to, any warranty of  merchantability  or
fitness for a  particular  purpose.  Neither  party shall be liable to the other
party for any special,  consequential,  incidental or indirect damages,  however
caused, arising out of this Agreement, whether or not advised of the possibility
of such damages,  and  notwithstanding  any failure of essential  purpose of any
limited remedy.

10.  Miscellaneous.

     10.1 Independent Contractors. The parties to this Agreement are independent
contractors. Neither party is a partner, joint venturer, agent or representative
of the other party.  Neither  party shall have the right,  power or authority to
bind the other party in any respect,  it being  intended  that each party hereto
shall remain an independent contractor responsible only for its own actions.

     10.2 No  Authorization.  Neither party will make any represent  other party
unless approved in writing by the other party.

     10.3 Notices. Any notice or written communication  required or permitted to
be delivered to either  party shall be deemed to have  delivered  and given to a
party if sent to the address of the party listed below:

          (a) on the delivery date, if delivered  electronic mail,  facsimile or
delivered personally to the other party;

          (b) two  business  days  after  deposit  with a  commercial  overnight
carrier; or

          (c) Five days after the post mark date if sent by U. S. mail.

     If to Providian:  John Clark
                       Senior Vice President
                       Providian Financial Corporation
                       201 Mission Street
                       San Francisco, CA  94105
                       Facsimile:  415-278-6028
                       Email:  john_clark@providian.com
                               ------------------------

               With a copy to:

                       Paul A. Reiner
                       Paul, Hastings, Janofsky & Walker
                       345 California Street
                       San Francisco, CA 94104
                       Facsimile: 415-217-5333
                       Email: pareiner@phjw.com
                              -----------------

        If to E-Loan:  Doug Galen
                       E-Loan, Inc.
                       5875 Arnold Road
                       Dublin, CA  94568
                       Facsimile:  925-556-2914
                       Email: doug@e-loan.com
                              ---------------

                 With a copy to:

                        Issac Vaughn, Esq.
                        Wilson, Sonsini, et al.
                        650 Page Mill Road
                        Palo Alto, CA  94304
                        Facsimile: 650-493-6811
                        Email: ivaughn@wsgr.com
                              ----------------

     10.4  Arbitration.  In the  event of any  dispute  arising  hereunder,  the
dispute  will be  submitted  to  arbitration  before a single  arbitrator,  with
specific  experience  in  Internet  and  electronic  communication  matters,  in
accordance with the rules of the American Arbitration Association provided that:
(a) the  arbitrator  will be instructed  and empowered to take whatever steps to
expedite the arbitration as he or she deems reasonable; (b) each party will bear
its own costs in connection with the arbitration; provided that the costs of the
arbitrator will be borne by the party who the arbitrator  determines not to have
prevailed in the matter;  (c) the  arbitrator's  judgment will be final,  except
that it may be challenged on the grounds of fraud or gross  misconduct;  and (d)
the  arbitration  will be held in San  Francisco,  California.  If  within  five
business days after the initiation of the need for arbitration, the parties have
not agreed  upon an  arbitrator,  each party will  submit to the other party the
names of three  arbitrators  acceptable  to it.  Each party will choose one name
from the other's  list and the parties  jointly and promptly  will  petition the
presiding judge of the Superior Court of the City and County of San Francisco to
select the arbitrator from the two names so chosen.

     10.5 Injunctive Relief. In the event of a violation or threatened violation
of either  party's  rights  provided for in this  Agreement,  the affected party
shall have the right,  in  addition to such other  remedies as may be  available
pursuant to law or this Agreement, to injunctive or declaratory relief enjoining
such act or threatened  act. Both parties  acknowledge  that legal  remedies for
such violation or threatened violation are inadequate.

     10.6  Assignment.  Neither  party may assign  this  Agreement  without  the
written approval of the other party.

     10.7 Governing  Law. The  provisions  and terms of this Agreement  shall be
governed by and construed in accordance with the laws of the State of California
without  regard  to any  choice  of law or  conflict  of law  principles  and as
applicable  to contracts to be entered into and  performed  entirely  within the
State of California.

     10.8  Counterparts.  This  Agreement  may  be  executed  in any  number  of
counterparts,  each of  which  shall be  deemed  an  original,  but all of which
together shall constitute one and the same instrument.

     10.9 No  Waiver.  The  failure  of either  party to insist  upon or enforce
strict  performance  by the other party of any provision of this Agreement or to
exercise  any right under this  Agreement  shall not be construed as a waiver or
relinquishment  to any extent of such  party's  right to assert or rely upon any
such provision or right in that or any other instance; rather, the same shall be
and remain in full force and effect.

     10.10 Entire Agreement.  This Agreement sets forth the entire agreement and
supersedes  any and all prior  agreements,  written or oral, of the parties with
respect to the transactions set forth herein.

     10.11  Amendments.  This  Agreement  or any  provision  hereof  may  not be
changed,  waived,  discharged or terminated  orally,  but only by a statement in
writing  signed by the party against which  enforcement  of the change,  waiver,
discharge or termination is sought.

     10.12 Severability.  If any one or more of the provisions contained in this
Agreement should be invalid,  illegal or unenforceable as to any party or in any
jurisdiction,  then such unenforceable  provision or provisions will be invalid,
illegal  or  unenforceable   without   affecting  or  otherwise   impairing  the
enforceability  of the remaining  provisions  contained herein or such provision
with respect to any other jurisdiction.

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

                                       PROVIDIAN FINANCIAL CORPORATION

                                       By: /s/ John W. Clark
                                          ------------------------------
                                       Name: John W. Clark
                                       Title: Senior Vice President

                                       E-LOAN, INC.

                                       By: /s/ Doug Galen
                                          -------------------------------
                                       Name: Doug Glane
                                       Title: Vice President

<PAGE>

                                    EXHIBIT A
                          List of Products and Services

1.       Unsecured Credit Cards
2.       Secured Credit Cards
3.       Partially Secured Credit Cards
4.       Unsecured consumer loans accessed by check
5.       Credit Card Fee Based Products and Services - Secured and Partially
         Secured Business
         a.       Credit Protection - see below
         b.       BuySmart - see below
         c.       Destination Unlimited - see below
         d.       Health  Advantage  -  discount   prescriptions   and  eyewear,
                  discount medical and dental networks,  mail order discounts on
                  hearing  aids,  vitamins  and  exercise  equipment,  and  $200
                  emergency line credit.
         e.       Personal  Registry - One call to cancel lost or stolen  credit
                  cards,  reimbursements  up to  $50  per  card  for  fraudulent
                  charges,   safeguards  all  personal   information   including
                  insurance policies and other important documents,  up to $1000
                  emergency cash if stranded.
         f.       Right  At Home -  assists  cardholders  in  buying  a home and
                  securing  a  first  mortgage  loan,   cardholders  receive  an
                  in-depth  guide  to  understanding  the home  buying  process,
                  discounts on home inspections,  home cleaning, lawn care, pest
                  control,  a  neighborhood  search  report,  and  access  to  a
                  personal loan consultant.
         g.       MyCreditProfile - provides cardholders with credit bureau
                  reporting and monitoring.
         h.       Insurance products, including auto, AD&D, rents, term life,
                  hospital indemnity.
         i.       Bill payment service
         j.       Warranty products
         k.       Discounts for lifestyle type products:
                  -        Arts and crafts
                  -        Home/garden
                  -        Pet discounts
                  -        Dining/leisure
         l.       Concierge service on the internet
         m.       Prepaid calling card

6.       Credit Card Fee Based Products and Services - Unsecured Business

         a.       Credit Protection

         Payment  deferral  plan - suspends  payments and stops fees and finance
charges  from  accruing  on  base  balance  of an  account  at the  time  of the
occurrence  of  an  eligible  event  (loss  of  employment  income,  disability,
hospitalization, family leave events, jury or military duty or loss of life...).
During activation, eligible members may be able to access available credit up to
$1,500. Product also provides a 3-bureau credit report to members (upon request)
with semi-annual  monitoring of the bureau.  (This credit bureau report services
does not  require an  activation  event to occur.) In the case of the death of a
member,  a credit  line and a card may be  offered  to the  surviving  spouse or
domestic life partner of the deceased CP member.

         b.       PricePro/BuySmart

         Lowest  price  guarantee,   discount   merchandise   catalog,   savings
rewards/discount  coupons worth $ credits  (with  numerous  merchants)  extended
warranty,  coupons for movie tickets,  videos,  amusement parks, etc.,  purchase
protection for theft and breakage for several months post-purchase.

         c.       Unlimited Warranty & Purchase Protection

         Purchase protection against theft, breakage,  etc., will fix or replace
most  purchased  items  (non-perishables)  up to a  maximum  dollar  amount  per
customer  per year,  offers the  extended  warranty for the life of the member's
enrollment  in the  product.  May extend to other  household  members  and their
purchases. Lowest price guarantee.

         d.       Destination Unlimited

         Travel  agency  with  a 5%  rebate  offered,  additional  lost  luggage
insurance,  free towing (up to limit),  emergency credit line, discounts on auto
service centers and related  merchandise,  other travel related services,  legal
hot line.

         e.       Home Protection

         Home improvement  discounts & consulting,  discounts on home protection
devices,  coverage if member or any other persona  legally  responsbiel  for the
rent or  mortgage  of the home loses  income due to layoff,  strike or  lockout.
Provides  up to  $4,500 to pay  rent/mortgage  for up to 3 full  months.  (Up to
$4,500 is payment - not a loan), also if legally  responsible party becomes ill,
hospitalized or disabled,  HP can provide a low prime rate loan of up to $15,000
to  pay  rent/mortgage   payments  for  an  additional  9  months.   Everyday  -
non-emergency  benefits of discount  shopping  service - lowest price  guarantee
(allows toll-free home shopping), home repair network - where one toll free call
gets you a  pre-screened  professional  tradesperson  in the area to come to the
home and take care of any  home-related  problem or maintenance  need (plumbing,
appliances,  housecleaning,  pest control),  discount legal services - up to 25%
off network attorney's fees.

         f.       PaySmart

         Service whereby customers can make loans payment over the telephone.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00022-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00022-of-00352.parquet"}]]