Document:

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                                                                   Exhibit 10.21

                           JOINT MARKETING AGREEMENT

     THIS JOINT MARKETING AGREEMENT (this "Agreement"), is made and entered into
as of May 5, 2000, by and between @Road, INC. ("@Road"), with offices at 47200
                                  -----
Bayside Parkway, Fremont, California 94538 and GTE WIRELESS SERVICE CORPORATION
("GTE Wireless"), with offices at One GTE Place, Alpharetta, Georgia 30004.

                                  WITNESSETH:

     WHEREAS, @Road develops and manufactures certain hardware, software and
related technology (the "@Road Products") and provides certain maintenance
services (the "@Road Services") used to provide internet-based fleet management
services for the reporting of vehicle location and dispatch services to be
delivered over the cellular digital packet data ("CDPD") system; and

     WHEREAS, @Road sells and/or licenses the @Road Products to customers; and

     WHEREAS, @Road desires to use GTE Wireless' CDPD system for the delivery of
its @Road Products to certain of its customers; and

     WHEREAS, the parties have determined that it will be beneficial to each of
them to enter into a definitive agreement pursuant to which @Road will develop
and manage certain marketing programs, including but not limited to
telemarketing, direct mail and advertising, and GTE Wireless will provide
certain financial funding; and

     NOW, THEREFORE, in consideration of the mutual promises and covenants of
the parties as hereinafter set forth, GTE Wireless and @Road agree as follows:

                            ARTICLE 1 - DEFINITIONS

     "Affiliate" of a person or entity (the "primary party") means another
person or entity that falls within any one or more of the following categories:
(i) a person or entity that is controlled by, controls or is under the same
control as the primary party; or (ii) a subsidiary (whether or not consolidated)
of the primary party; or (iii) an entity of which the primary party is a
subsidiary (whether or not consolidated); or (iv) a person or entity that has a
material ownership interest in the primary party or that manages a significant
portion of the primary party's day-to-day operations, or (v) an entity in which
the primary party has a material ownership interest or that has a significant
portion of its day-to-day operations managed by the primary party.

     "@Road Market Area" means the areas in which @Road provides the @Road
Products and the @Road Services.

     "Cellular Radio Services" means any and all service authorized by the FCC
under Part 22 of its rules as amended under the cellular orders set forth in An
Inquiry Into the Use of the Banks 825-845 MHz and 870-890 MHz for Cellular
Communications Systems: and Amendments of Parts 2 and 22 of the Commission's
Rules Relative to Cellular Communications Systems (FCC Docket No. 79-318), 86
F.C.C. 2d 469 (1981), modified as set forth in reconsideration order 89 F.C.C.
2d 58 (1982), and as further modified as set forth in reconsideration order FCC
82-308 (released July 8, 1982) (Cellular Radio Decisions) and such other service
as may be authorized by the FCC hereafter under such decisions, all amendments,
modifications or supplements to the aforementioned rules or orders from time to
time and any other radio service defined and regulated by the FCC as personal
communications services.

     "Customer" means, at any time, any current customer or client of the party
in question.
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     "Direct Sales Channel" means all individuals employed by a party for the
purpose of sales and, in the case of GTE Wireless, also includes all sales
facilities operated by GTE Wireless (such as communication store outlets), but
shall not include independent agents of a party.

     "GTE Wireless Market Area" means the areas in which GTE Wireless provides
CDPD services.

     "GTE Wireless Services" means CDPD services that are provided by GTE
Wireless using the Cellular Radio Services for which GTE Wireless holds the
licenses.

     "Proposal" means any proposal, or any response to requests for proposal,
bid or information, or similar method of offering or marketing wireless data
solutions which do, or reasonably could, include both GTE Wireless Services and
@Road Products and @Road Services.
------

     "Prospect" means any Customer or potential Customer to whom a party hereto
has made, or is considering making, a Proposal.

     To "Reasonably Recommend" a product or service means to recommend and
promote such product or service to a Prospect in a manner reasonably designed to
influence the Prospect to purchase the product or service; provided, that an
                                                           --------
obligation to Reasonably Recommend a product or service does not include any
obligation: (a) to promote any product or service if there exists a good faith
belief that the Prospect's requirements would not be addressed as well by such
product or service as they would by some competing product or service; or (b) to
continue promoting the product or service if the Prospect indicates an
unwillingness to consider using it.

     "Solutions" means actual or proposed total wireless data solutions to meet
the needs of Prospects, which solutions utilize @Road Products and/or @Road
                                                -----
Services.

                   ARTICLE 2 - JOINT PROMOTION AND PROPOSALS

     2.1  Recommendation of GTE Wireless Services and @Road Products and
          --------------------------------------------------------------
Services. During the term of this Agreement, GTE Wireless, through its Direct
--------
Sales Channel, shall Reasonably Recommend the @Road Products and/or @Road
Services in both the GTE Wireless and the @Road Market Areas. The program
described in this Article 2 is the Joint Marketing Program. During the term of
this Agreement, @Road, through its Direct Sales Channel, shall Reasonably
Recommend the GTE Wireless Services in both the GTE Wireless and the @Road
Market Areas.

     2.2  @Road Proposals. From time to time during the term of this Agreement,
          ---------------
whenever @Road is considering making a Proposal involving CDPD services that, in
@Road's reasonable judgement, may benefit from the inclusion of GTE Wireless
Services, @Road shall so notify GTE Wireless. Upon receipt of such notice, GTE
Wireless shall promptly provide to @Road all sales, marketing and technical
support necessary to enable @Road to include in its Proposal, to the extent
reasonably practical, Solutions using GTE Wireless Services. @Road may request
GTE Wireless' support, but @Road shall be under no obligation to recommend
                           -----
Solutions containing GTE Wireless Services to @Road Prospects.

     2.3  GTE Wireless Proposals. From time to time during the term of this
          ----------------------
Agreement, whenever GTE Wireless is considering making a Proposal that, in GTE
Wireless' reasonable judgment, may benefit from the inclusion of @Road Products
                                                                 ------
and/or @Road Services, GTE Wireless may so notify @Road. Upon receipt of such
notice, @Road shall promptly provide to GTE Wireless all sales, marketing and
technical support necessary to enable GTE Wireless to include in its Proposal,
to the extent reasonably practical, Solutions using @Road Products and/or @Road
                                                    -----
Services. GTE Wireless may request @Road's

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support, but GTE Wireless shall be under no obligation to recommend Solutions
containing @Road Products and/or @Road Services to GTE Wireless' Prospects.
           ------

     2.4  Responsibilities Upon Acceptance of Proposals That Include GTE
          --------------------------------------------------------------
Wireless Services and @Road Products and/or Services.
----------------------------------------------------

          (a)  Upon a Prospect's acceptance of an @Road Proposal that includes
          GTE Wireless Services, or of a GTE Wireless Proposal that includes
          @Road Products and/or @Road Services, @Road shall provide, along with
          -----
          its own Products, GTE Wireless Service to the Customer according to
          the terms of the CDPD Data National Service Agreement between GTE
          Wireless and @Road, entered by the parties of even date herewith.

          (b)  At the request of Customer, each of @Road and GTE Wireless shall
          separately contract with the Customer, then each of @Road and GTE
          Wireless shall negotiate in good faith to enter into its own contract
          with such Customer (each, a "Customer Contract"). When both @Road and
          GTE Wireless have entered into such Customer Contracts, neither of
          them shall have any obligations to the other with respect to the
          subject matter thereof other than the obligation of reasonable
          coordination with each other to implement the agreed-upon Solution.

     2.5  Training Regarding GTE Wireless Services. During the term hereof, in
          ----------------------------------------
order to enhance @Road's ability to Reasonably Recommend GTE Wireless Services
and its ability to create Proposals that could include GTE Wireless Services,
and thereby to further advance both parties' purposes hereunder, GTE Wireless
shall make available to @Road non-confidential information designed to enhance
@Road's understanding of the functions and advantages of the GTE Wireless
Services.

     2.6  Training Regarding @Road Products and @Road Services. During the term
          ----------------------------------------------------
hereof, in order to enhance GTE Wireless' ability to Reasonably Recommend @Road
                                                                          -----
Products and/or @Road Services and its ability to create Proposals that could
include @Road Products and/or @Road Services, and thereby to further advance
        -----
both parties' purposes hereunder, @Road shall make available to GTE Wireless
non-confidential information designed to enhance GTE Wireless' understanding of
the functions and advantages of the @Road Products and @Road Services.
                                    -----

     2.7  Obligation to Reasonably Recommend. During the term hereof, @Road's
          ----------------------------------
direct sales channel shall not recommend any provider of a CDPD system other
than GTE Wireless to any @Road Customer or potential Customer in the GTE
Wireless Market Area and the @Road Market Area, except in such instances in
which: (a) @Road has first Reasonably Recommended GTE Wireless Services and the
@Road Customer has refused to deal with GTE Wireless, or (b) @Road believes in
good faith that it is unable to Reasonably Recommend the GTE Wireless Services
to such Customer or potential Customer for any of the reasons set forth in the
definition of "Reasonably Recommend" elsewhere in this Agreement.

     2.8  Cooperative Marketing Activities. In the interest of promoting the GTE
          --------------------------------
Wireless Services and the @Road Products and the @Road Services within the GTE
Wireless and @Road Market Area, the parties agree to:

          (a)  Work together to develop a joint marketing plan coveting mutually
          agreed-upon marketing and promotional activities;

          (b)  Furnish each other with appropriate non-confidential technical
          information for support and planning purposes; provided, however, that
          each party reserves the right, at its sole discretion, to determine
          the content and availability of such information;

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          (c)  Inform the appropriate personnel in their sales forces of the
          existence of this Agreement and provide mutually agreed-upon training
          to such personnel;

          (d)  Assist each other to develop appropriate educational and/or
          promotional materials, and provide each other with copies of
          appropriate promotional documentation, that each party's sales force
          may use for the purposes of this Agreement. All such material,
          however, to the extent it concerns the other party's products, shall
          be subject to prior written approval by such other party in each case;

          (e)  In cases where joint product demonstrations or similar
          cooperative marketing efforts are anticipated, coordinate prospective
          customer calls as necessary;

          (f)  Provide appropriate technical support to the other for
          demonstrations, benchmarks and mutually agreed-upon general sales
          promotion, as well as for selected exhibitions and promotional
          seminars on a case-by-case basis;

          (g)  Participate in periodic meetings to monitor the results of the
          parties' mutual cooperation and to review (and modify, if necessary)
          the cooperative marketing plan to ensure the successful marketing and
          promotion of both parties' products;

     2.9  Funding by GTE Wireless. GTE Wireless agrees to provide certain
          -----------------------
funding in an amount to be determined for the Joint Marketing Program during the
term of this Agreement, pursuant to the following process:

          (a)  At a mutually agreed-upon date during each calendar quarter,
          @Road shall provide GTE Wireless with a marketing proposal (the
          "Marketing Proposal") including, but not limited to, print
          advertising, customer seminars, joint trade show participation, target
          market zip codes, prospect lists and addresses, number of mail pieces,
          telemarketing plans, an estimated cost and other relevant information
          at least sixty days prior to the marketing release date. The Marketing
          Proposal will include all projected costs to GTE Wireless for such
          campaign. If GTE Wireless consents in writing to implementation of the
          Marketing Proposal, @Road will proceed with implementation of such
          project consistent with the timeframes set forth in the Marketing
          Proposal. If the cost of implementation of any Marketing Proposal
          exceeds the projected cost, as approved by GTE Wireless, by greater
          than fifteen percent (15%), @Road will notify GTE Wireless of the new
          projected costs and (i) will not proceed with implementation of the
          project unless and until GTE Wireless has consented in writing to the
          additional costs, such acceptance or rejection of the additional costs
          to be made within 15 days of receipt by GTE Wireless of written notice
          pursuant to this Section 2.9(a), provided however, that if GTE
          Wireless has not responded within such 15-day period, such failure to
          respond will be deemed to be a rejection of proceeding in light of the
          additional cost; and (ii) may proceed with implementation of the
          project if GTE Wireless has not consented to the additional costs and
          @Road has agreed in writing to pay for such additional costs in excess
          of 115% of the projected budget.

          (b)  @Road shall provide GTE Wireless with the final print copies and
          scripts for telemarketing and other information relevant to the
          Marketing Proposal, including third party marketing material vendor
          names, fee schedules and other related materials.

          (c)  GTE Wireless shall provide @Road with certain marketing lists to
          be used for Marketing Proposals conducted by @Road hereunder, which
          marketing lists shall be Confidential Information as defined in
          Section 8 herein and subject to all the provisions of that article.

                                       4
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          (d)  GTE Wireless shall notify @Road in writing no less than fourteen
          (14) calendar days after @Road's presentation of any Marketing
          Proposal of GTE Wireless' approval or disapproval of such Marketing
          Proposal. If GTE Wireless fails to notify @Road of its decision
          regarding participation in a Marketing Proposal, then GTE Wireless
          will be deemed to have rejected the Marketing Proposal, and @Road
          agrees that GTE Wireless will not be responsible for the cost of the
          implementation of any Marketing Proposal not expressly approved by GTE
          Wireless.

          (e)  @Road agrees to use all funds received from GTE Wireless pursuant
          to this Agreement for the purpose of the marketing and implementation
          of Marketing Proposals.

          (f)  @Road agrees that it will deliver any and all sales leads
          generated from this Joint Marketing Program only to GTE Wireless and
          @Road sales force and that such delivery shall occur no later than
          fourteen (14) calendar days after it receives such sales leads from
          @Road's third-party vendor.

          (g)  Unless @Road's obligation to Reasonably Recommend GTE Wireless
          Services is satisfied or inapplicable pursuant to the terms and
          conditions of this Agreement, then neither @Road nor GTE Wireless
          shall disclose the sales leads to any other party without the written
          consent of the other, provided however, that if no sale has closed
          within 180 days of the initial generation of a sales lead, neither
          party shall be bound by this requirement as to such sales lead.

               ARTICLE 3 - TECHNOLOGY DEVELOPMENT AND OWNERSHIP

     3.1  Technology Development. GTE Wireless and @Road may cooperate with each
          ----------------------
other from time to time in developing new technology, the applications of
existing technology and/or new products or product lines in order to further
their mutual interests hereunder. Except as otherwise provided hereto, neither
party shall be under any obligation to the other to engage in such development.

     3.2  New Technology Ownership. In each event when the parties desire to
          ------------------------
work together to develop new technology or new products, they shall negotiate on
the ownership rights of each of them in the technology or products that are to
be developed. Nothing in this Agreement is intended to convey, allocate or
ascertain intellectual property rights of either party.

              ARTICLE 4 - REPRESENTATIONS AND WARRANTIES OF @ROAD

     @Road hereby represents and warrants to GTE Wireless as follows:

     4.1  Sufficient Rights No Infringement. To the best of its actual
          ---------------------------------
knowledge, @Road owns the entire right, title and interest in and to the @Road
                                                                         -----
Products, or has sufficient rights thereto to utilize the @Road Products for the
                                                          -----
purposes set forth hereto. To the best of its actual knowledge, the @Road
                                                                    -----
Products to be used in accordance with any arrangements contemplated by this
Agreement do not infringe or violate any United States patents or any copyright,
trademark, trade secret or other intellectual property rights.

     4.2  Authority @Road has the requisite authority to enter into this
          ---------
Agreement and to perform all of its obligations hereunder.

           ARTICLE 5- REPRESENTATIONS AND WARRANTIES OF GTE WIRELESS

                                       5
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     GTE Wireless hereby represents and warrants to @Road as follows:

     5.1  Sufficient Rights; No Infringement. To the best of its actual
          ----------------------------------
knowledge, GTE Wireless owns the entire right, title and interest in and to the
GTE Wireless Services, or has sufficient rights therein to utilize the GTE
Wireless Services for the purposes set forth herein. To the best of its actual
knowledge, the GTE Wireless Services to be used in accordance with any
arrangements contemplated by this Agreement do not infringe or violate any
United States patents or any copyright, trademark, trade secret or any other
intellectual property rights and there are no claims of any such infringement or
violation.

     5.2  Authority. GTE Wireless has the requisite authority to enter into this
          ---------
Agreement and to perform all of its obligations hereunder.

                    ARTICLE 6 - RELATIONSHIP OF THE PARTIES

     Each of the parties hereto will act as, and will be, independent
contractors in all aspects of their performance of this Agreement. Neither party
will act or have authority to act as an agent for the other party for any
purpose whatsoever. Nothing in this Agreement will be deemed to constitute or
create a joint venture, partnership, franchise, pooling arrangement, or other
formal business entity or fiduciary relationship between @Road and GTE Wireless.

                          ARTICLE 7 - NON-DISCLOSURE

     7.1  Non-Disclosure of Agreements. Neither party will make any disclosure
          ----------------------------
regarding the terms of this Agreement or the business arrangements described
herein, without obtaining the prior written consent to the other party;
provided, however, that (i) the parties may communicate with Customers and
--------  -------
Prospects to the extent reasonably required to perform hereunder (but will
obtain prior written approval of the other party hereto before identifying such
party in advertisements, mass mailings or general publicity); (ii) after notice
to the other party, each party will be permitted to make such disclosures as are
required by legal requirements, including but not limited to court orders, or
regulatory requirements applicable to, and beyond the reasonable control of, the
party; and (iii) either party may disclose the terms of this Agreement and the
business arrangements described herein to employees of their affiliates who have
a need to know, so long as such affiliate employees are advised of and agree to
be bound by the provisions of this Article.

     7.2  Confidential Information. The parties recognize that in the course of
          ------------------------
performing this Agreement, both parties have had and will continue to have
access to certain confidential or proprietary information belonging to the other
and each desires that any such confidential and proprietary information remain
confidential. Each party agrees that, both during the term hereof and for a
period of three (3) years after the termination of this Agreement, such party
will use the same care it uses to protect its own confidential proprietary
information, but in no event less than reasonable care, to prevent the
disclosure and to protect the confidentiality of both (i) written information
received from the other party that is marked or identified as confidential, and
(ii) oral or visual information identified as confidential at the time of
disclosure that is summarized in writing and provided to the other party in such
written form within twenty (20) days after such oral or visual disclosure
("Confidential Information"). Confidential Information does not include
information that is (i) already known by the recipient party without an
obligation of confidentiality, (ii) publicly known or becomes publicly known
through no unauthorized act of the recipient party, (iii) rightfully received
from a third party, (iv) independently developed by the recipient party without
use of the other party's Confidential Information, (v) disclosed without similar
restrictions to a third party by the party owning the Confidential Information,
(vi) approved by the other party for disclosure, or (vii) required to be
disclosed pursuant to a requirement of a governmental agency

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or law so long as the disclosing party provides the other party with notice of
such requirement prior to any such disclosure.

     7.3  Remedies. Each party acknowledges that the other would suffer
          --------
irreparable damage in the event of any breach of the provisions of this Article
7. Accordingly, in such event, a party will be entitled to temporary,
preliminary and final injunctive relief, as well as any other applicable
remedies at law or in equity against the party who has breached or threatened to
breach this Article 7.

     7.4  No Rights Granted. Nothing contained in this Agreement shall be
          -----------------
construed as granting or conferring any rights by license or otherwise in any
Confidential Information disclosed to the receiving party. All Confidential
Information shall remain the property of the disclosing party and shall be
returned by the receiving party to the disclosing party upon request. All notes,
abstracts, memoranda, or other documents prepared by receiving party which
contain Confidential Information or any discussion thereof, shall be destroyed
or returned to the disclosing party upon written request. If the parties hereto
decide to enter into any licensing, development or other arrangement regarding
any Confidential Information or present or future patent claims disclosed
hereunder, it shall only be done on the basis of a separate written agreement
between them. No disclosure of any Confidential Information hereunder shall be
construed a public disclosure of such Confidential Information by either party
for any purpose whatsoever.

     7.5  Limitation on Obligations. The furnishing of Confidential Information
          -------------------------
hereunder shall not obligate either party to enter into any further agreement or
negotiation with the other or to refrain from entering into an agreement or
negotiation with any other party.

                       ARTICLE 8 - TERM AND TERMINATION

     8.1  Term and Termination.
          ---------------------

          (a)  Subject to the termination provisions below, this Agreement shall
          take effect upon execution of this Agreement by the parties and shall
          continue for a period of one (1) year from the date hereof.
          Thereafter, if the parties mutually agree, this Agreement may be
          extended for an additional one-year term.

          (b)  This Agreement may be terminated by either party for any reason
          or no reason by giving thirty (30) days prior written notice. Upon
          material breach or default under this Agreement by either party, if
          the other party gives notice of such breach or default and the same is
          not cured within thirty (30) days, then without limitation of any
          other remedy available hereunder, the non-defaulting party may
          terminate this Agreement immediately by delivery of a notice of
          termination simultaneously with the notice of default or at any time
          thereafter. This Agreement may be immediately terminated by a party
          without prior written notice in the event that the other party
          violates any of the conditions of Article 7 relating to the
          Confidential Information or a party shall have ceased doing business,
          been adjudged bankrupt or insolvent, made an assignment for the
          benefit of creditors, and/or filed for a petition in bankruptcy or
          reorganization.

          (c)  Following expiration or termination of this Agreement, except for
          the obligations of the parties set forth in Article 7 above, the
          parties will have no further obligation or responsibility to each
          other.

     8.2  Survival of Obligations Upon Expiration of Term or Termination of
          -----------------------------------------------------------------
Agreement.
---------

          (a)  All obligations of the parties arising hereunder and relating to
          any Proposal or joint Customer relationship existing on the date of
          expiration or termination of this

                                       7
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          Agreement, other than obligations to recommend or jointly market each
          others products and services, shall continue in full force and effect
          subsequent to and notwithstanding the termination or expiration of
          this Agreement shall in no way affect the rights and obligations of
          GTE Wireless and @Road under any then-existing subcontracting
          agreement or similar form of agreement between the parties, except to
          the extent set forth therein.

          (b)  All representations, warranties and covenants of the parties set
          forth in Section 4.1, Section 5.1, and Article 7 shall survive the
          termination of this Agreement for a period of three (3) years.

                                       8
<PAGE>

                             ARTICLE 9 - INDEMNITY

     9.1  Infringement. Each party agrees to indemnify, defend and hold harmless
          ------------
the other and its affiliates, shareholders, directors, officers, employees,
contractors, agents and other representatives (the "Indemnified Parties") from
all third party demands, claims, actions, causes of action, proceedings,
assessments, losses, damages, liabilities, settlements, judgments, fines,
penalties, interest, costs and expenses (including fees and disbursements of
counsel) (collectively, the "Claims") arising from or relating to any actual or
alleged infringement or misappropriation of any patent, trademark, copyright,
trade secret or any actual or alleged violation of any other intellectual
property rights arising from or in connection with, as to @Road, the @Road
                                                                     -----
Products, and, as to GTE Wireless, the GTE Wireless Services. This provision
does not in any way supersede nor is it in any way mitigated by either party's
obligation to maintain insurance under the relevant laws and regulations. THIS
SECTION SETS FORTH THE ENTIRE LIABILITY AND OBLIGATIONS OF EITHER PARTY AND THE
EXCLUSIVE REMEDY OF THE OTHER PARTY WITH RESPECT TO ANY ALLEGED INFRINGEMENT OF
ANY PATENTS, TRADEMARKS, COPYRIGHTS, TRADE SECRETS OR OTHER INTELLECTUAL
PROPERTY RIGHTS BY ANY OF THE @Road PRODUCTS, THE @Road SERVICES AND/OR THE GTE
WIRELESS SERVICES, OR ANY PART THEREOF.

     9.2  Other Claims. To the extent caused by its own negligence and/or
          ------------
willful misconduct, each party agrees to indemnify, defend and hold harmless the
Indemnified Parties of the other from and against any Claims for harm sustained
by any of the Indemnified Parties arising out of or in consequence of the
performance of this Agreement, including without limitation: (i) damages for
personal injuries to, or death of, employees of the other party or its
subcontractors, if any, or third parties; or (ii) damage to property, including
loss of use thereof, regardless of whether such injuries to persons or damage to
property is due or claimed to be due to the negligence or willful misconduct of
such party or its contractors. The obligations of this provision are in addition
to the obligations of each party to provide insurance.

     9.3  Procedure. As to any indemnification claim of either party, each
          ---------
indemnified party agrees to: (i) give the indemnifying party prompt written
notice of any claim, suit or proceeding, or of any settlement negotiations, that
would trigger an indemnification obligation on the part of the other party; (ii)
give the indemnifying party sole control of the defense of any such claim, suit,
proceeding or settlement negotiation; (iii) at the indemnifying party's expense,
render reasonable information and assistance to settle and/or defend any such
claim, suit or proceeding; and (iv) enter into no settlement of such claim, suit
or proceeding without prior written consent of the other party.

                             ARTICLE 10 - GENERAL

     10.1 Assignment. This Agreement is personal to each party hereto, and
          ----------
neither may assign or otherwise transfer its rights or delegate its duties
hereunder without the prior written consent of the other, which consent shall
not be unreasonably withheld; provided, however, either party may upon written
                              --------  -------
notice to the other assign any of its rights or obligations hereunder to (i) an
Affiliate of the assigning party or (ii) the purchaser of or successor in
interest to all or substantially all of the assigning party's assets, unless
(with respect to an assignment by @Road) in the reasonable judgment of GTE
Wireless the assignee is a competitor of GTE Wireless, in which case the
assignment by @Road shall not be valid or binding between the parties without
GTE Wireless' prior written consent; or (iii) a successor entity of the
assigning party that assumes all the obligations hereunder of the assignor, when
such assignment is made solely for the purpose of changing the domicile of the
assignor.

     10.2 Amendment. This Agreement and the Schedules and Exhibits attached
          ---------
hereto shall not be deemed or construed to be modified, amended, or waived, in
whole or in part, except by written agreement duly executed by the parties to
this Agreement.

                                       9
<PAGE>

     10.3 Severability. In the event any provision hereof shall be deemed
          ------------
invalid or unenforceable by any court or governmental agency of competent
jurisdiction, such provision shall be deemed severed from this Agreement and all
remaining provisions shall be afforded full force and effect as if such severed
provision had never been a provision hereof.

     10.4 Excused Performance. The parties shall not be liable for any failure
          -------------------
to perform under this Agreement or any default due to fire, electrical failure,
flood or similar act of God, embargo, or governmental restrictions which prevent
the parties from performing in the normal and usual course of their businesses,
provided they undertake diligent action to cure such failure and mitigate
damage.

     10.5 Headings. The headings of this Agreement are intended solely for the
          --------
convenience of reference and shall be given no effect in the construction of
this Agreement.

     10.6 Number, Gender. The masculine, feminine, singular and plural of any
          --------------
work or words shall be deemed to include and refer to the gender and number
appropriate in the context.

     10.7 Notices. Except as otherwise provided in this Agreement, all notices
          -------
or other communications which are required or permitted hereunder shall be in
writing and shall be valid and sufficient if delivered by: a) registered or
certified mail, postage prepaid; b) hand delivery; c) overnight courier prepaid;
d) facsimile transmission upon confirmation of receipt; or e) overnight courier
as follows:

     To @Road:        @Road, Inc.
                      47200 Bayside Parkway
                      Fremont, California 94538
                      Attn: Brett Moore
                      Phone: 510-668-1638
                      Fax:   510-353-6021

     With a copy to:  J.D. Fay
                      General Counsel
                      At the same address and phone
                      Fax: 510-353-6028

     To GTE Wireless: GTE Wireless Service Corporation
                      One GTE Place
                      Alpharetta, Georgia 30004
                      Attn: David Gambrell
                      Phone: (678) 339-4560
                      Fax:   (678) 339-8620

     With a copy to:  General Counsel
                      At the same address

     10.8 Counterparts. This Agreement may be signed in two or more
          ------------
counterparts, each of which shall be considered an original and which shall,
taken together, constitute this Agreement.

     10.9 No Third Party Beneficiaries. Nothing in this Agreement is intended or
          ----------------------------
shall be construed or interpreted to give any person or entity other than the
parties hereto any legal or equitable right, remedy or claim under or in respect
of this Agreement or any provision contained herein.

     10.10  Governing Law and Forum. Except to the extent governed by federal
            -----------------------
law, rules or regulations, this Agreement shall be interpreted under and
governed by the laws of the State of Georgia.

                                       10
<PAGE>

     10.11  Entire Agreement. This Agreement constitutes the entire agreement
            ----------------
between the parties with respect to the subject matter hereof and supersedes all
prior and contemporaneous agreements and understandings, whether written or
oral, between the parties with respect to such subject matter, and there are not
representations, understandings or agreements relating to this Agreement that
are not fully expressed in this Agreement.

     10.12  Procedure. Each party shall appoint an individual from its
            ---------
organization to interface with the other party on any issues arising out of this
Agreement, and shall promptly notify the other party of such appointment.

     10.13  No Representations. GTE Wireless shall not make any representations
            ------------------
or warranties to third parties on behalf of @Road, and if any such
representations or warranties are made they shall have no force or effect on
@Road. @Road shall not make any representations or warranties to third parties
on behalf of GTE Wireless, and if any such representations or warranties are
made they shall have for force or effect on GTE Wireless.

     10.14  Trademarks.
            ----------

            (a)  Subject to the terms and conditions of this Agreement, each
            party hereby grants to the other party a non-exclusive, non-
            transferable license to use such party's logo, trademarks, trade
            names, and/or service marks (collectively, the "Marks") only in
            accordance with such party's written guidelines for such use, as
            such guidelines may be amended from time to time, a copy of which
            has been or will be provided to the other party and which is
            incorporated hereto by reference. Except as specifically provided
            herein, each party retains all right, title and interest in and to
            their respective Marks, and nothing in this Agreement shall create
            in a party any rights in the Marks of the other party.

            (b)  Each party recognizes the great value of the goodwill
            associated with the Marks of the other party and acknowledges that
            the Marks and all rights therein and the goodwill pertaining thereto
            belong exclusively to the respective owner of the Marks. Each party
            agrees not to contest rights of the other party in its respective
            Marks or act in any way adverse to such rights. Each party hereby
            further agrees that every use of the Marks shall inure to the
            benefit of the owner of the Marks and that a party shall not acquire
            any rights to the Marks owned by the other party or any right to
            register such Marks by any use it makes of such Marks.

            (c)  Each party shall promptly report to the other party in writing
            any infringement or imitation of the other party's Marks of which a
            party becomes aware. The parties shall cooperate with each other in
            connection with any claim or legal action alleging infringement of
            the other party's Marks.

            (d)  Each party shall have the right, prior to publication, as it
            may determine in its discretion, to review and consent to any
            advertising, marketing, promotional or display materials, as well as
            other printed materials using the Marks owned by such party or
            proposed for use in connection with the cooperative marketing
            arrangement set forth in this Agreement, and the other party shall
            not use such party's Marks without prior written consent of the
            owning party, which may be withheld in such party's sole discretion.

     10.15  DAMAGES. NEITHER PARTY SHALL BE LIABLE TO THE OTHER HEREUNDER FOR
            -------
ANY SPECIAL, CONSEQUENTIAL, PUNITIVE OR INDIRECT DAMAGES, INCLUDING WITHOUT
LIMITATION LOST PROFITS, LOSS OF BUSINESS AND OTHER INDIRECT COMMERCIAL OR
ECONOMIC LOSS, IN CONNECTION WITH ANY ACTION, CLAIM,

                                       11
<PAGE>

PROCEEDING OR SUIT ARISING HEREUNDER, REGARDLESS OF WHETHER SUCH PARTY HAS BEEN
ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES.

                                       12
<PAGE>

     IN WITNESS WHEREOF, the parties hereto have executed and delivered this
Agreement in counterparts on the day and year written below.

GTE WIRELESS SERVICE CORPORATION        @Road, INC.
                                        -------

By: /s/ Michael McDunough               By:/s/ Krish Panu
    -----------------------                -------------------

Title: President                        Title: President
      ---------------------                    ---------------

Date:______________________             Date: May 5, 2000
                                              ----------------

By: /s/ Dale S. Voyles
   -----------------------

Title: Assistant Secretary
      ---------------------

Date: 5/5/00
     ----------------------

                                       13<PAGE>

                                                                   Exhibit 10.22

________________________________________________________________________________

                          LOAN AND SECURITY AGREEMENT
                                  @ROAD, INC.

________________________________________________________________________________
<PAGE>

                               TABLE OF CONTENTS
<TABLE>
<CAPTION>
                                                                                      Page
<S>                                                                                   <C>
1    ACCOUNTING AND OTHER TERMS.....................................................    4
-    --------------------------

2    LOAN AND TERMS OF PAYMENT......................................................    4
-    -------------------------
     2.1     Advances...............................................................    4
     2.2     Interest Rate, Payments................................................    4
     2.3     Fees...................................................................    5

3    CONDITIONS OF LOANS............................................................    5
-    -------------------
     3.1     Conditions Precedent to Initial Advance................................    5
     3.2     Conditions Precedent to all Advances...................................    5

4    CREATION OF SECURITY INTEREST..................................................    5
-    -----------------------------
     4.1     Grant of Security Interest.............................................    5

5    REPRESENTATIONS AND WARRANTIES.................................................    5
-    ------------------------------
     5.1     Due Organization and Authorization.....................................    5
     5.2     Litigation.............................................................    6
     5.3     Regulatory Compliance..................................................    6
     5.4     Subsidiaries...........................................................    6
     5.5     Full Disclosure........................................................    6

6    AFFIRMATIVE COVENANTS..........................................................    6
-    ---------------------
     6.1     Government Compliance..................................................    6
     6.2     Taxes..................................................................    7
     6.3     Primary Accounts.......................................................    7
     6.4     Further Assurances.....................................................    7

7    NEGATIVE COVENANTS (NOT IN EFFECT AS LONG AS THE OBLIGATIONS
-    ------------------------------------------------------------
     ARE SECURED BY A CERTIFICATE OF DEPOSIT).......................................    7
     ---------------------------------------
     7.1     Changes in Business, Ownership, Management or Business Locations.......    7
     7.2     Compliance.............................................................    7

8    EVENTS OF DEFAULT..............................................................    7
-    -----------------
     8.1     Payment Default........................................................    7
     8.2     Covenant Default.......................................................    7
     8.3     Material Adverse Change................................................    8
     8.4     Attachment.............................................................    8
     8.5     Insolvency.............................................................    8
     8.6     Other Agreements.......................................................    8
     8.7     Judgments..............................................................    8
     8.8     Misrepresentations.....................................................    8

9    BANK'S RIGHTS AND REMEDIES.....................................................    8
-    --------------------------
     9.1     Rights and Remedies....................................................    8
     9.2     Remedies Cumulative....................................................    9

10   NOTICES........................................................................    9
--   -------

11   CHOICE OF LAW, VENUE AND JURY TRIAL WAIVER.....................................    9
--   ------------------------------------------
</TABLE>

                                       2
<PAGE>

<TABLE>
<S>                                                                                  <C>
12   GENERAL PROVISIONS.........................................................      9
--   ------------------
     12.1     Successors and Assigns............................................      9
     12.2     Indemnification...................................................     10
     12.3     Time of Essence...................................................     10
     12.4     Severability of Provision.........................................     10
     12.5     Amendments in Writing, Integration................................     10
     12.6     Counterparts......................................................     10
     12.7     Survival..........................................................     10
     12.8     Confidentiality...................................................     10
     12.9     Attorneys' Fees, Costs and Expenses...............................     10

13   DEFINITIONS................................................................     11
--   -----------
     13.1     Definitions.......................................................     11
</TABLE>

                                       3
<PAGE>

       This LOAN AND SECURITY AGREEMENT dated June 30, 1999 between SILICON
VALLEY BANK ("Bank"), whose address is 3003 Tasman Drive, Santa Clara,
California 95054 and @ROAD, INC. ("Borrower"), whose address is 45635 Northport
Loop East, Fremont, California 94538 provides the terms on which Bank will lend
to Borrower and Borrower will repay Bank. The parties agree as follows:

1      ACCOUNTING AND OTHER TERMS
       --------------------------

       Accounting terms not defined in this Agreement will be construed
following GAAP Calculations and determinations must be made following GAAP. The
term "financial statements" includes the notes and schedules. The terms
"including" and "includes" always mean "including (or includes) without
limitation," in this or any Loan Document. This Agreement shall be construed to
impart upon Bank a duty to act reasonably at all times.

2      LOAN AND TERMS OF PAYMENT
       -------------------------

2.1    Advances.

       Borrower will pay Bank the unpaid principal amount of all Advances and
interest on the unpaid principal amount of the Advances.

2.1.1  Revolving Advances.

       (a) Bank will make Advances not exceeding the Committed Revolving Line.
Amounts borrowed under this Section may be repaid and reborrowed during the term
of this Agreement.

       (b) To obtain an Advance, Borrower must notify Bank by facsimile or
telephone by 3:00 p.m. Pacific time on the Business Day the Advance is to be
made. Borrower must promptly confirm the notification by delivering to Bank the
Payment/Advance Form attached as Exhibit B. Bank will credit Advances to
Borrower's deposit account. Bank may make Advances under this Agreement based on
instructions from a Responsible Officer or his or her designee or without
instructions if the Advances are necessary to meet Obligations which have become
due. Bank may rely on any telephone notice given by a person whom Bank believes
is a Responsible Officer or designee. Borrower will indemnify Bank for any loss
Bank suffers due-to such reliance.

       (c) The Committed Revolving Line terminates on the Revolving Maturity
Date, when all Advances are immediately payable.

2.2    Interest Rate, Payments.

       (a) Interest Rate. Advances accrue interest on the outstanding principal
balance at a per annum rate of 2 percentage points above the CD Rate. After an
Event of Default, Obligations accrue interest at 5 percent above the rate
effective immediately before the Event of Default. Interest is computed on a 360
day year for the actual number of days elapsed.

       (b) Payments. Interest due on the Committed Revolving Line is payable on
the 28th of each month. Bank may debit any of Borrower's deposit accounts
including Account Number_____________ for principal and interest payments owing
or any amounts Borrower owes Bank. Bank will promptly notify Borrower when it
debits Borrower's accounts. These debits are not a set-off. Payments received
after 12:00 noon Pacific time are considered received at the opening of business
on the next Business Day. When a payment is due on a day that is not a Business
Day, the payment is due the next Business Day and additional fees or interest
accrue.

                                       4
<PAGE>

2.3  Fees.

     Borrower will pay:

     (a) Facility Fee. A fully earned, non-refundable Facility Fee of $250 due
on the Closing Date; and

     (b) Bank Expenses. All Bank Expenses (including reasonable attorneys'
fees and reasonable expenses) incurred through and after the date of this
Agreement. are payable when due.

3    CONDITIONS OF LOANS
     -------------------

3.1  Conditions Precedent to Initial Advance.

     Bank's obligation to make the initial Advance is subject to the condition
precedent that it receive the agreements, documents and fees it requires.

3.2  Conditions Precedent to all Advances.

     Bank's obligations to make each Advance, including the initial Advance,
is subject to the following:

     (a) timely receipt of any Payment/Advance Form; and

     (b) the representations and warranties in Section 5 must be materially true
on the date of the Payment/Advance Form and on the effective date of each
Advance and no Event of Default may have occurred and be continuing, or result
from the Advance. Each Advance is Borrowers representation and warranty on that
date that the representations and warranties of Section 5 remain true.

4    CREATION OF SECURITY INTEREST
     -----------------------------

4.1  Grant of Security Interest.

     Borrower grants Bank a security interest in the Collateral to secure all
Obligations and performance of each of Borrower's duties under the Loan
Documents. Bank's security interest is a first priority security interest in the
Collateral. Bank may place a "hold" on the certificate of deposit pledged as
Collateral.

5    REPRESENTATIONS AND WARRANTIES
     ------------------------------

     Borrower represents and warrants as follows:

5.1  Due Organization and Authorization.

     Borrower and each Subsidiary is duly existing and in good standing in its
state of formation and qualified and licensed to do business in, and in good
standing in, any state in which the conduct of its business or its ownership of
property requires that it be qualified, except where the failure to do so could
not reasonably be expected to cause a Material Adverse Change.

     The execution, delivery and performance of the Loan Documents have been
duly authorized, and do not conflict with Borrower's formation documents, nor
constitute an event of default under any material agreement by which Borrower is
bound Borrower is not in default under any agreement to which or by which it is
bound in which the default could cause reasonably be expected to cause a
Material Adverse Change.

                                       5
<PAGE>

5.2  Litigation.

     Except as shown in the Schedule. there are no actions or proceedings
pending or, to the knowledge of Borrower's Responsible Officers threatened by or
against Borrower or any Subsidiary in which an adverse decision could reasonably
be expected to cause a Material Adverse Change.

5.3  Regulatory Compliance.

     Borrower is not an "investment company" or a company "controlled" by an
"investment company" under the Investment Company Act. Borrower is not engaged
as one of its important activities in extending credit for margin stock (under
Regulations G. T and U of the Federal Reserve Board of Governors). Borrower has
complied in all material respects with the Federal Fair Labor Standards Act.
Borrower has not violated any laws, ordinances or rules, the violation of which
could reasonably be expected to cause a Material Adverse Change. None of
Borrower's or any Subsidiary's properties or assets has been used by Borrower or
any Subsidiary or, to the best of Borrower's knowledge, by previous Persons, in
disposing, producing, storing, treating, or transporting any hazardous substance
other than legally. Borrower and each Subsidiary has timely filed all required
tax returns and paid, or made adequate provision to pay, all material taxes,
except those being contested in good faith with adequate reserves under GAAP.
Borrower and each Subsidiary has obtained all consents, approvals and
authorizations of, made all declarations or filings with, and given all notices
to, all government authorities that are necessary to continue its business as
currently conducted, except where the failure to do so could not reasonably be
expected to cause a Material Adverse Change.

5.4  Subsidiaries.

     Borrower does not own any stock, partnership interest or other equity
securities except for Permitted Investments.

5.5  Full Disclosure.

     No written representation, warranty or other statement of Borrower in any
certificate or written statement given to Bank (taken together with all such
written certificates and written statements to Bank) contains any untrue
statement of a material fact or omits to state a material fact necessary to make
the statements contained in the certificates or statements not misleading. It is
recognized by Bank that the projections and forecasts provided by Borrower in
good faith and based upon reasonable assumptions are not viewed as facts and
that actual results during the period or periods covered by such projections and
forecasts may differ from the projected and forecasted results.

6    AFFIRMATIVE COVENANTS
     ---------------------

     Borrower will do all of the following:

6.1  Government Compliance.

     Borrower will maintain its and all Subsidiaries' legal existence and good
standing in its jurisdiction of formation and maintain qualification in each
jurisdiction in which the failure to so qualify would reasonably be expected to
cause a material adverse effect on Borrower's business or operations. Borrower
will comply, and have each Subsidiary comply, with all laws, ordinances and
regulations to which it is subject, noncompliance with which could have a
material adverse effect on Borrower's business or operations or would reasonably
be expected to cause a Material Adverse Change.

                                       6
<PAGE>

6.2  Taxes.

     Borrower will make, and cause each Subsidiary to make, timely payment of
all material federal, state, and local taxes or assessments and will deliver to
Bank, on demand, appropriate certificates attesting to the payment.

6.3  Primary Accounts.

     Borrower will maintain its at least one operating account with Bank.

6.4  Further Assurances.

     Borrower will execute any further instruments and take further action as
Bank reasonably requests to perfect or continue Bank's security interest in the
Collateral or to effect the purposes of this Agreement.

7    NEGATIVE COVENANTS (NOT IN EFFECT AS LONG AS THE OBLIGATIONS ARE SECURED BY
     ---------------------------------------------------------------------------
A CERTIFICATE OF DEPOSIT).
-------------------------

     Borrower will not do any of the following without Bank's prior, written
consent, which will not be unreasonably withheld:

7.1  Changes in Business, Ownership, Management or Business Locations.

     Engage in or permit any of its Subsidiaries to engage in any business other
than the businesses currently engaged in by Borrower or reasonably related
thereto or have a material change in its ownership (other than the sale of
Borrower's equity securities in a public offering or to venture capital
investors approved by Bank) of greater than 25%. Borrower will not, without at
least 30 days prior written notice, relocate its chief executive office or add
any new offices or business locations.

7.2  Compliance.

     Become an "investment company" or a company controlled by an "investment
company," under the Investment Company Act of 1940 or undertake as one of its
important activities extending credit to purchase or carry margin stock, or use
the proceeds of any Advance for that purpose; fail to meet the minimum funding
requirements of ERISA, permit a Reportable Event or Prohibited Transaction, as
defined in ERISA, to occur, fail to comply with the Federal Fair Labor Standards
Act or violate any other law or regulation, if the violation could reasonable be
expected to have a material adverse effect on Borrower's business or operations
or would reasonably be expected to cause a Material Adverse Change, or permit
any of its Subsidiaries to do so.

8    EVENTS OF DEFAULT
     -----------------

     Any one of the following is an Event of Default:

8.1  Payment Default.

     If Borrower fails to pay any of the Obligations within 3 days after their
due date. During the additional period the failure to cure the default is not an
Event of Default (but no Advance will be made during the cure period);

8.2  Covenant Default.

     If Borrower violates any covenant in Section 7 or does not perform or
observe any other material term, condition or covenant in this Agreement. any
Loan Documents, or in any

                                       7
<PAGE>

agreement between Borrower and Bank and as to any default under a term,
condition or covenant that can be cured, has not cured the default within 10
days after it occurs, or if the default cannot be cured within 10 days or cannot
be cured after Borrower's attempts within 10 day period, and the default may be
cured within a reasonable time. then Borrower has an additional period (of not
more than 30 days) to attempt to cure the default. During the additional time,
the failure to cure the default is not an Event of Default (but no Advances will
be made during the cure period):

8.3  Material Adverse Change.

     If there (i) occurs a material adverse change in the business operations,
or condition (financial or otherwise) of the Borrower.

8.4  Attachment.

     If any material portion of Borrower's assets is attached, seized, levied
on, or comes into possession of a trustee or receiver and the attachment,
seizure or levy is not removed in 10 days, or if Borrower is enjoined,
restrained, or prevented by court order from conducting a material part of its
business or if a judgment or other claim becomes a Lien on a material portion of
Borrower's assets, or if a notice of lien, levy, or assessment is filed against
any of Borrower's assets by any government agency and not paid within 10 days
after Borrower receives notice. These are not Events of Default if stayed,
provided that Borrower provides evidence to Bank that it has begun proceedings
to contest the claim, or if a bond is posted pending contest by Borrower (but no
Advances will be made during the cure period);

8.5  Insolvency.

     If Borrower becomes insolvent or if Borrower begins an Insolvency
Proceeding or an Insolvency Proceeding is begun against Borrower and not
dismissed or stayed within 45 days (but no Advances will be made before any
Insolvency Proceeding is dismissed);

8.6  Other Agreements.

     if there is a default in any agreement between Borrower and a third party
that gives the third party the right to accelerate any Indebtedness exceeding
$100,000 or that could cause a Material Adverse Change;

8.7  Judgments.

     If a money judgment(s) in the aggregate of at least $50,000 is rendered
against Borrower and is unsatisfied and unstayed for 10 days (but no Advances
will be made before the judgment is stayed or satisfied); or

8.8  Misrepresentations.

     If Borrower or any Person acting for Borrower makes any material
misrepresentation or material misstatement now or later in any warranty or
representation in this Agreement or in any writing delivered to Bank or to
induce Bank to enter this Agreement or any Loan Document.

9    BANK'S RIGHTS AND REMEDIES
     --------------------------

9.1  Rights and Remedies.

     When an Event of Default occurs and continues Bank may. without notice or
demand, do any or all of the following:

                                       8
<PAGE>

     (a) Declare all Obligations immediately due and payable (but if an Event of
Default described in Section 8.5 occurs all Obligations are immediately due and
payable without any action by Bank);

     (b) Stop advancing money or extending credit for Borrower's benefit under
this Agreement or under any other agreement between Borrower and Bank:

     (c) Apply to the Obligations any (i) balances and deposits of Borrower it
holds, or (ii) any amount held by Bank owing to or for the credit or the account
of Borrower:, and

     (d) Dispose of the Collateral according to the Code.

9.2  Remedies Cumulative.

     Bank's rights and remedies under this Agreement, the Loan Documents, and
all other agreements are cumulative. Bank has all rights and remedies provided
under the Code, by law, or in equity. Bank's exercise of one right or remedy is
not an election, and Bank's waiver of any Event of Default is not a continuing
waiver. Bank's delay is not a waiver, election, or acquiescence. No waiver is
effective unless signed by Bank and then is only effective for the specific
instance and purpose for which it was given.

10   NOTICES
     -------

     All notices or demands by any party about this Agreement or any other
related agreement must be in writing and be personally delivered or sent by an
overnight delivery service, by certified mail, postage prepaid, return receipt
requested, or by telefacsimile to the addresses set forth at the beginning of
this Agreement. A party may change its notice address by giving the other party
written notice.

11   CHOICE OF LAW, VENUE AND JURY TRIAL WAIVER
     ------------------------------------------

     California law governs the Loan Documents without regard to principles of
conflicts of law. Borrower and Bank each submit to the exclusive jurisdiction of
the State and Federal courts in Santa Clara County, California.

BORROWER AND BANK EACH WAIVE THEIR RIGHT TO A JURY TRIAL OF ANY CLAIM OR CAUSE
OF ACTION ARISING OUT OF ANY OF THE LOAN DOCUMENTS OR ANY CONTEMPLATED
TRANSACTION, INCLUDING CONTRACT, TORT, BREACH OF DUTY AND ALL OTHER CLAIMS. THIS
WAIVER IS A MATERIAL INDUCEMENT FOR BOTH PARTIES TO ENTER INTO THIS AGREEMENT.
EACH PARTY HAS REVIEWED THIS WAIVER WITH ITS COUNSEL.

12   GENERAL PROVISIONS
     ------------------

12.1 Successors and Assigns.

     This Agreement binds and is for the benefit of the successors and permitted
assigns of each party Borrower may not assign this Agreement or any rights under
it without Bank's prior written consent which may be granted or withheld in
Bank's discretion. Bank has the right, without the consent of or notice to
Borrower, to sell, transfer, negotiate, or grant participation in all or any
part of, or any interest in, Bank's obligations, rights and benefits under this
Agreement.

                                       9
<PAGE>

12.2  Indemnification.

      Borrower will indemnify, defend and hold harmless Bank and its officers,
employees, and agents against: (a) all obligations, demands, claims, and
liabilities asserted by any other party in connection with the transactions
contemplated by the Loan Documents; and (b) all losses or Bank Expenses
incurred, or paid by Bank from. following, or consequential to transactions
between Bank and Borrower (including reasonable attorneys fees and expenses),
except for losses caused by Bank's gross negligence or willful misconduct.

12.3  Time of Essence.

      Time is of the essence for the performance of all obligations in this
Agreement.

12.4  Severability of Provision.

      Each provision of this Agreement is severable from every other provision
in determining the enforceability of any provision.

12.5  Amendments in Writing, Integration.

      All amendments to this Agreement must be in writing and signed by Borrower
and Bank. This Agreement represents the entire agreement about this subject
matter, and supersedes prior negotiations or agreements. All prior agreements,
understandings, representations, warranties, and negotiations between the
parties about the subject matter of this Agreement merge into this Agreement and
the Loan Documents.

12.6  Counterparts.

      This Agreement may be executed in any number of counterparts and by
different parties on separate counterparts, each of which, when executed and
delivered, are an original, and all taken together, constitute one Agreement.

12.7  Survival.

      All covenants, representations and warranties made in this Agreement
continue in full force while any Obligations remain outstanding. The obligations
of Borrower in Section 12.2 to indemnify Bank will survive until all statutes of
limitations for actions that may be brought against Bank have run.

12.8  Confidentiality.

      In handling any confidential information, Bank will exercise the same
degree of care that it exercises for its own proprietary information, but
disclosure of information may be made (i) to Bank's subsidiaries or affiliates
in connection with their business with Borrower, (ii) to prospective transferees
or purchasers of any interest in the loans, (iii) as required by law,
regulation, subpoena, or other order, (iv)as required in connection with Bank's
examination or audit and (v) as Bank considers appropriate exercising remedies
under this Agreement. Confidential information does not include information that
either. (a) is in the public domain or in Bank's possession when disclosed to
Bank, or becomes part of the public domain after disclosure to Bank; or (b) is
disclosed to Bank by a third party, if Bank does not know that the third party
is prohibited from disclosing the information.

12.9  Attorneys' Fees, Costs and Expenses.

                                       10
<PAGE>

     In any action or proceeding between Borrower and Bank arising out of the
Loan Documents, the prevailing party will be entitled to recover its reasonable
attorneys' fees and other reasonable costs and expenses incurred, in addition to
any other relief to which it may be entitled.

13   DEFINITIONS
     -----------

13.1 Definitions.

     In this Agreement:

     "Advance" or "Advances" is a loan advance (or advances) under the Committed
Revolving Line.

     "Affiliate" of a Person is a Person that owns or controls directly or
indirectly the Person. any Person that controls or is controlled by or is under
common control with the Person, and each of that Person's senior executive
officers, directors, partners and, for any Person that is a limited liability
company, that Person's managers and members.

     "Bank Expenses" are all audit fees and expenses and reasonable costs and
expenses (including reasonable attorneys' fees and expenses) for preparing,
negotiating, administering, defending and enforcing the Loan Documents
(including appeals or Insolvency Proceedings).

     "Borrower's Books" are all Borrower's books and records including ledgers,
records regarding Borrower's assets or liabilities, the Collateral, business
operations or financial condition and all computer programs or discs or any
equipment containing the information.

     "Business Day" is any day that is not a Saturday, Sunday or a day on which
the Bank is closed.

     "CD Rate" is the valuable rate of interest for Bank's 180 day certificate
of deposit rate, even if the announced rate is not Bank's lowest rate.

     "Closing Date" is the date of this Agreement.

     "Code" is the California Uniform Commercial Code.

     "Collateral" is the property described on Exhibit A.
                                               ---------

     "Committed Revolving Line" is an Advance of up to $2,000,000.

     "Contingent Obligation" is, for any Person, any direct or indirect
liability, contingent or not, of that Person for (i) any indebtedness, lease,
dividend, letter of credit or other obligation of another such as an obligation
directly or indirectly guaranteed, endorsed, co-made, discounted or sold with
recourse by that Person, or for which that Person is directly or indirectly
liable; (ii) any obligations for undrawn letters of credit for the account of
that Person; and (iii) all obligations from any interest rate, currency or
commodity swap agreement, interest rate cap or collar agreement, or other
agreement or arrangement designated to protect a Person against fluctuation in
interest rates, currency exchange rates or commodity prices; but "Contingent
Obligation" does not include endorsements in the ordinary course of business.
The amount of a Contingent Obligation is the stated or determined amount of the
primary obligation for which the Contingent Obligation is made or, if not
determinable, the maximum reasonably anticipated liability for it determined by
the Person in good faith: but the amount may not exceed the maximum of the
obligations under the guarantee or other support arrangement.

     "ERISA" is the Employment Retirement Income Security Act of 1974, and its
regulations.

                                       11
<PAGE>

     "GAAP" is generally accepted accounting principles.

     "Indebtedness" is (a) indebtedness for borrowed money or the deferred price
of property or services, such as reimbursement and other obligations for surety
bonds and letters of credit, (b) obligations evidenced by notes, bonds,
debentures or similar instruments, (c) capital lease obligations and (d)
Contingent Obligations.

     "Insolvency Proceeding" are proceedings by or against any Person under the
United States Bankruptcy Code, or any other bankruptcy or insolvency law.
including assignments for the benefit of creditors, compositions, extensions
generally with its creditors, or proceedings seeking reorganization,
arrangement, or other relief.

     "Investment" is any beneficial ownership of (including stock, partnership
interest or other securities) any Person, or any loan, advance or capital
contribution to any Person.

     "Lien" is a mortgage, lien, deed of trust, charge, pledge, security
interest or other encumbrance.

     "Loan Documents" are, collectively, this Agreement, any note, or notes or
guaranties executed by Borrower or Guarantor, and any other present or future
agreement between Borrower and/or for the benefit of Bank in connection with
this Agreement, all as amended, extended or restated.

     "Material Adverse Change" is defined in Section 8.3.

     "Obligations" are debts, principal, interest, Bank Expenses and other
amounts Borrower owes Bank now or later, including cash management services,
letters of credit and foreign exchange contracts, if any and including interest
accruing after Insolvency Proceedings begin and debts, liabilities, or
obligations of Borrower assigned to Bank.

     "Permitted Investments" are:

     (a) Investments shown on the Schedule and existing on the Closing Date; and

(b) (i) marketable direct obligations issued or unconditionally guaranteed by
the United States or its agency or any State maturing within 1 year from its
acquisition, (ii) commercial paper maturing no more than 1 year after its
creation and having the highest rating from either Standard & Poors Corporation
or Moody's Investors Service, Inc., and (iii) Bank's certificates of deposit
issued maturing no more than 1 year after issue.

     "Person" is any individual, sole proprietorship, partnership, limited
liability company, joint venture, company association, trust, unincorporated
organization, association, corporation, institution, public benefit corporation,
firm, joint stock company, estate, entity or government agency.

     "Responsible Officer" is each of the Chief Executive Officer, the
President, the Chief Financial Officer and the Controller of Borrower.

     "Revolving Maturity Date" is December 29, 1999.

     "Schedule" is any attached schedule of exceptions.

     "Subordinated Debt" is debt incurred by Borrower subordinated to Borrower's
debt to Bank (and identified as subordinated by Borrower and Bank).

                                       12
<PAGE>

     "Subsidiary" is for any Person. or any other business entity of which more
than 50% of the voting stock or other equity interests is owned or controlled,
directly or indirectly, by the Person or one or more Affiliates of the Person

BORROWER:

@ROAD, INC

By: /s/ Krish Panu
    ---------------------

Title: CEO
       ------------------

BANK:

SILICON VALLEY BANK

By: /s/ Manzzu Kan
    ---------------------

Title: AVP
       ------------------

                                       13
<PAGE>

                          LOAN MODIFICATION AGREEMENT

     This Loan Modification Agreement is entered into as of July 23, 1999, by
and between @Road, Inc. ("Borrower") and Silicon Valley Bank ("Bank").

1.   DESCRIPTION OF EXISTING INDEBTEDNESS: Among other indebtedness which may be
     ------------------------------------
owing by Borrower to Bank,  Borrower is indebted to Bank pursuant to, among
other documents, a Loan and Security Agreement, dated June 30, 1999, as may be
amended from time to time, (the "Loan Agreement"). The Loan Agreement provided
for, among other things, a Committed Revolving Line in the original principal
amount of Two Million Dollars ($2,000,000). Defined terms used but not otherwise
defined herein shall have the same meanings as in the Loan Agreement.

Hereinafter, all indebtedness owing by Borrower to Bank shall be referred to as
the "Indebtedness."

2.   DESCRIPTION OF COLLATERAL AND GUARANTIES. Repayment of the Indebtedness is
     ----------------------------------------
secured by the Collateral as described in the Loan Agreement.

Hereinafter, the above-described security documents and guaranties, together
with all other documents securing repayment of the Indebtedness shall be
referred to as the "Security Documents". Hereinafter, the Security Documents,
together with all other documents evidencing or securing the Indebtedness shall
be referred to as the "Existing Loan Documents".

3.   DESCRIPTION OF CHANGE IN TERMS.
     ------------------------------

     A.   Modification(s) to Loan Agreement
          ---------------------------------

          1.   Subsection (a) of Section 2.1.1 entitled "Revolving Advances" is
               hereby amended to read as follows:

               Bank will make Advances not exceeding (i) the Committed Revolving
               Line minus (ii) the amount of all outstanding Letters of Credit
               (including drawn but unreimbursed Letters of Credit). Amounts
               borrowed under this Section may be repaid and reborrowed during
               the term of this Agreement.

          1.   Section 2.1.2 entitled "Letters of Credit" is hereby incorporated
               into the Loan Agreement to read as follows:

               2.1.2   Letters of Credit. Bank will issue or have issued Letters
               of Credit for Borrower's account not exceeding (i) the Committed
               Revolving Line minus (ii) the outstanding principal balance of
               the Advances, but the face amount of outstanding Letters of
               Credit (including drawn out unreimbursed Letters of Credit and
               any Letter of Credit Reverse) may not exceed $2,000,000. Each
               Letter of Credit will expire no later than 180 days after the
               Revolving Maturity Date provided Borrower's Letter of Credit
               reimbursement obligation is secured by cash on terms acceptable
               to Bank at any time after the Revolving Maturity Date if the term
               of this Agreement is not extended by Bank.

          2.   The word Advance is hereby replaced by the words Credit Extension
               in Sections 2.1, 3.1, 3.2 (except for Subsection (b) of
               Section 3.2), 7.2, 8.1, 8.2, 8.4, 8.5, and 8.7.

          3.   The following terms are hereby added to Section 13.1 entitled
               "Definitions":

               "Credit Extension" is each Advance, Letter of Credit, or any
               other extension of credit by Bank for Borrower's benefit.
<PAGE>

                "Letters of Credit" is defined in Section 2.1.2.

4.   CONSISTENT CHANGES. The Existing Loan Documents are hereby amended wherever
     ------------------
necessary to reflect the changes described above.

5.   PAYMENT OF LOAN FEE. Borrower shall pay to Bank a fee in the amount of Two
     -------------------
Hundred Fifty Dollars ($250.00) (the "Loan Fee"), plus all out-of-pocket
expenses.

6.   NO DEFENSES OF BORROWER. Borrower (and each guarantor and pledgor signing
     -----------------------
below) agrees that, as of the date hereof, it has no defenses against the
obligations to pay any amounts under the Indebtedness.

7.   CONTINUING VALIDITY. Borrower (and each guarantor and pledgor signing
     -------------------
below) understands and agrees that in modifying the existing Indebtedness, Bank
is relying upon Borrower's representations, warranties, and agreements, as set
forth in the Existing Loan Documents. Except as expressly modified pursuant to
this Loan Modification Agreement, the terms of the Existing Loan Documents
remain unchanged and in full force and effect. Bank's agreement to modifications
to the existing Indebtedness pursuant to this Loan Modification Agreement in no
way shall obligate Bank to make any future modifications to the Indebtedness.
Nothing in this Loan Modification Agreement shall constitute a satisfaction of
the Indebtedness. It is the intention of Bank and Borrower to retain as liable
parties all makers and endorsers of Existing Loan Documents, unless the party is
expressly released by Bank in writing. No maker, endorser, or guarantor will be
released by virtue of this Loan Modification Agreement. The terms of this
paragraph apply not only to this Loan Modification Agreement, but also to all
subsequent loan modification agreements.

8.   CONDITION. The effectiveness of this Loan Modification Agreement is
     ---------
conditioned upon payment of the Loan Fee.

     This Loan Modification Agreement is executed as of the date first written
above.

BORROWER:                               BANK:

@ROAD, INC.                             SILICON VALLEY BANK

By: /s/ Krish Panu                      By: /s/ Jeannie Kao
   -----------------------                 -------------------------
Name: Krish Panu                        Name: Jeannie Kao
     ---------------------                   -----------------------
Title:   CEO                            Title:     SVP
      --------------------                     ---------------------

                                     2

<PAGE>

                          LOAN MODIFICATION AGREEMENT

     This Loan Modification Agreement is entered into as of December 29, 1999,
by and between @Road, Inc. ("Borrower") and Silicon Valley Bank ("Bank").

1.   DESCRIPTION OF EXISTING INDEBTEDNESS:  Among other indebtedness which may
     ------------------------------------
be owing by Borrower to Bank, Borrower is indebted to Bank pursuant to, among
other documents, a Loan and Security Agreement, dated June 30, 1999, as may be
amended from time to time, (the "Loan Agreement"). The Loan Agreement provided
for, among other things, a Committed Revolving Line in the original principal
amount of Two Million Dollars ($2,000,000). Defined terms used but not otherwise
defined herein shall have the same meanings as in the Loan Agreement.

Hereinafter, all indebtedness owing by Borrower to Bank shall be referred to as
the "Indebtedness."

2.   DESCRIPTION OF COLLATERAL AND GUARANTIES. Repayment of the Indebtedness is
     ----------------------------------------
secured by the Collateral as described in the Loan Agreement.

Hereinafter, the above-described security documents and guaranties, together
with all other documents securing repayment of the Indebtedness shall be
referred to as the "Security Documents". Hereinafter, the Security Documents,
together with all other documents evidencing or securing the Indebtedness shall
be referred to as the "Existing Loan Documents".

3.   DESCRIPTION OF CHANGE IN TERMS.
     ------------------------------

     A.   Modification(s) to Loan Agreement
          ---------------------------------

          1.   The following term under Section 13.1 entitled "Definitions" is
               hereby amended to read as follows:

               "Revolving Maturity Date" is March 31, 2000

4.   CONSISTENT CHANGES. The Existing Loan Documents are hereby amended wherever
     ------------------
necessary to reflect the changes described above.

5.   NO DEFENSES OF BORROWER. Borrower (and each guarantor and pledgor signing
     -----------------------
below) agrees that, as of the date hereof, it has no defenses against the
obligations to pay any amounts under the Indebtedness.

6.   CONTINUING VALIDITY. Borrower (and each guarantor and pledgor signing
     -------------------
below) understands and agrees that in modifying the existing Indebtedness, Bank
is relying upon Borrower's representations, warranties, and agreements, as set
forth in the Existing Loan Documents. Except as expressly modified pursuant to
this Loan Modification Agreement, the terms of the Existing Loan Documents
remain unchanged and in full force and effect. Bank's agreement to modifications
to the existing Indebtedness pursuant to this Loan Modification Agreement in no
way shall obligate Bank to make any future modifications to the Indebtedness.
Nothing in this Loan Modification Agreement shall constitute a satisfaction of
the Indebtedness. It is the intention of Bank and Borrower to retain as liable
parties all makers and endorsers of Existing Loan Documents, unless the party is
expressly released by Bank in writing. No maker, endorser, or guarantor will be
released by virtue of this Loan Modification Agreement. The terms of this
paragraph apply not only to this Loan Modification Agreement, but also to all
subsequent loan modification agreements.
<PAGE>

     This Loan Modification Agreement is executed as of the date first written
     above.

BORROWER:                              BANK:

@ROAD, INC                             SILICON VALLEY BANK

By: /s/ Thomas C. Hoster               By: /s/ Manzzu Kan
   ---------------------                   -----------------

Name: Thomas C. Hoster                 Name:  /s/ Manzzu Kan
     -------------------                     ------------------

Title: VP & CFO                        Title: VP
      ------------------                      -----------------

                                       2
<PAGE>

                          LOAN MODIFICATION AGREEMENT

     This Loan Modification Agreement is entered into as of March 31, 2000, by
and between @Road, Inc. ("Borrower") and Silicon Valley Bank ("Bank").

1.   DESCRIPTION OF EXISTING INDEBTEDNESS:  Among other indebtedness which may
     ------------------------------------
be owing by Borrower to Bank, Borrower is indebted to Bank pursuant to, among
other documents, a Loan and Security Agreement, dated June 30, 1999, as may be
amended from time to time, (the "Loan Agreement"). The Loan Agreement provided
for, among other things, a Committed Revolving Line in the original principal
amount of Two Million Dollars ($2,000,000). Defined terms used but not otherwise
defined shall have the same meanings as in the Loan Agreement.

Hereinafter, all indebtedness owing by Borrower to Bank shall be referred to as
the "Indebtedness."

2.   DESCRIPTION OF COLLATERAL AND GUARANTIES.  Repayment of the Indebtedness
     ----------------------------------------
is secured by the Collateral as described in the Loan Agreement.

Hereinafter, the above-described security documents and guaranties, together
with all other documents securing repayment of the Indebtedness shall be
referred to as the "Security Documents". Hereinafter, the Security Documents,
together with all other documents evidencing or securing the Indebtedness
shall be referred to as the "Existing Loan Documents".

3.   DESCRIPTION OF CHANGE IN TERMS.
     ------------------------------

     A.   Modification(s) to Loan Agreement
          ---------------------------------

          1.   The following term under Section 13.1 entitled "Definitions" is
               hereby amended to read as follows:

               "Reaching Maturity Date" is March 31, 2001

4.   CONSISTENT CHANGES.  The Existing Loan Documents are hereby amended
     ------------------
wherever necessary to reflect the changes described above.

5.   PAYMENT OF LOAN FEE.  Borrower shall pay Lender a fee in the amount of Two
     -------------------
Hundred Fifty Dollars ($250.00)("Loan Fee") plus all out-of-pocket
expenses.

6.   NO DEFENSES OF BORROWER.  Borrower (and each guarantor and pledgor signing
     -----------------------
below) agrees that, as of the date hereof, it has no defenses against the
obligations to pay any amounts under the Indebtedness.

7.   CONTINUING VALIDITY.  Borrower (and each guarantor and pledgor signing
     -------------------
below) understands and agrees that in modifying the existing Indebtedness, Bank
is relying upon Borrower's representations, warranties, and agreements, as set
forth in the Existing Loan Documents. Except as expressly modified pursuant to
this Loan Modification Agreement, the terms of the Existing Loan Documents
remain unchanged and in full force and effect. Bank's agreement to
modifications to the existing Indebtedness pursuant to this Loan Modification
Agreement in no way shall obligate Bank to make any future modifications to the
Indebtedness. Nothing in this Loan Modification Agreement shall constitute a
satisfaction of the Indebtedness. It is the intention of Bank and Borrower to
retain as liable parties all makers and endorsers of Existing Loan Documents,
unless the party is expressly released by Bank in writing. No maker, endorser,
or guarantor will be released by virtue of this Loan Modification Agreement. The
terms of this paragraph apply not only to this Loan Modification Agreement, but
also to all subsequent loan modification agreements.
<PAGE>

8.   CONDITIONS. The effectiveness of this Loan Modification Agreement is
     ----------
conditioned upon payment of the Loan Fee.

     This Loan Modification Agreement is executed as of the date first written
above.

BORROWER:                          BANK:

@ROAD, INC.                        SILICON VALLEY BANK

By: /s/ Thomas C. Hoster           By: /s/ Martin Kan
   ---------------------              -------------------
Name:  Tom Hoster                  Name:   Martin Kan
      ------------------                -----------------
Title:     CFO                     Title:      VP
      ------------------                 ----------------

                                       2

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