Document:

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                                                                   Exhibit 10.15

Certain confidential information contained in this document, marked by
brackets, is filed with the Securities and Exchange Commission pursuant to Rule
406 of the Securities Act of 1933, as amended.

                     MANAGED DATA NETWORK SERVICES AGREEMENT

                        (Final: Dated September 17, 1996)

                                     BETWEEN

             SCITOR INTERNATIONAL TELECOMMUNICATIONS SERVICES, INC.

                                       AND

                              I-PASS ALLIANCE, INC.

                                    CONTRACT REFERENCE NO: MDNS/US/IPAS/09/96/99
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This Agreement is entered into as of this 17th day of September, 1996 by and
between:

SCITOR INTERNATIONAL TELECOMMUNICATIONS SERVICES, INC., a company incorporated
under the laws of the State of Delaware, whose principal place of business is
located at 3100 Cumberland Circle, Suite 1200, Atlanta, Georgia 30339,
hereinafter referred to as ("Scitor ITS"); and

I-PASS ALLIANCE, INC., a company incorporated under the laws of the State of
California, whose principal place of business is located at 555 Bryant Avenue,
#248, Palo Alto, California 94301 hereinafter referred to as ("Customer").

                                    RECITALS:

WHEREAS, Customer desires to obtain certain managed data network services from
Scitor ITS in order to enable data communications from, to and between certain
of Customer's offices worldwide;

WHEREAS, the Parties desire to specify the terms and conditions under which
Scitor ITS will provide the Service to Customer;

NOW, THEREFORE, in consideration of the premises and mutual undertakings
hereinafter set forth, the Parties, intending to be legally bound, hereby agree
as follows:

1.       DEFINITIONS

1.1      In this Agreement, including the Attachments and Schedules which are by
         this reference incorporated herein, the following words and expressions
         shall have the following meanings:

         1.1.1    "ASSOCIATED COMPANY" shall mean any company controlling,
                  controlled by or under common control of either of the
                  Parties;

         1.1.2    "CCITT" shall mean the International Telegraph and Telephone
                  Consultative Committee;

         1.1.3    "COMMISSIONING TESTS" shall mean the commissioning tests and
                  procedures to be carried out by Scitor ITS in order to
                  commission the services as specified in Attachment 4;

         1.1.4    "CUSTOMER EQUIPMENT" shall mean X.25 pads or LANAS routers
                  used for access to Scitor ITS Network and to utilize the
                  Service;

         1.1.5    "DATE OF CONNECTION" shall mean the date of the physical
                  connection and commissioning of the Service at each of the
                  Locations;

         1.1.6    "DOLLARS" or "$" shall mean United States Dollars;

         1.1.7    "DTE" shall mean Data Terminating Equipment;

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         1.1.8    "EFFECTIVE DATE" shall mean the date first above written;

         1.1.9    "EQUIPMENT" shall mean the communications equipment, cables
                  and connectors which may be supplied by Scitor ITS to Customer
                  under this Agreement;

         1.1.10   "CUSTOMER FACILITIES" shall mean all such equipment and
                  communications lines, including any public data networks or
                  Customer Equipment required by Customer to access the Network
                  (other than Tail Circuits, Equipment and Software which Scitor
                  ITS supplies to Customer pursuant to Clause 5.2) magnetic
                  media, programs, software and other facilities, including the
                  provision of personnel, required by Customer for its use of
                  the Service;

         1.1.11   "FORCE MAJEURE" shall mean an event the result of which causes
                  a Party's failure or delay in performance due to circumstances
                  beyond the that Party's reasonable control including, but
                  without limitation to the foregoing, labor disputes, strikes,
                  lock-outs, shortages of or liability to obtain labor, energy
                  components, raw materials or supplies, war or act of war,
                  riot, insurrection, epidemic, act of God or governmental
                  action not the fault of the non-performing Party.

         1.1.12   "FRAME RELAY" shall mean a high speed switched data service
                  accessing the Network via a permanent leased digital Tail
                  Circuit supporting the transfer of bi-directional Frame Relay
                  frames between terminating equipment at Locations and Scitor
                  ITS' Frame Relay service port on the Network.

         1.1.13   "INITIAL TERM" shall mean forty (40) months from the Effective
                  Date of this Agreement;

         1.1.14   "LOCATIONS" shall mean Customer's locations to be provided
                  with the Service as listed in Attachment 2;

         1.1.15   "NETWORK" shall mean Scitor ITS's communications processors,
                  related equipment, and circuits used by Scitor ITS for the
                  provision of the Service, but excluding Tail Circuits to
                  Locations, public data networks and any terminal equipment
                  including the Equipment sited at Locations;

         1.1.16   "NODE" shall mean a node of the Scitor ITS Network to which a
                  Tail Circuit is to be connected for the purposes of rendering
                  the Service to Customer (dedicated leased line connections
                  only) such Nodes being deployed at such times and places as
                  determined by Scitor ITS;

         1.1.17   "PARTIES" shall mean Scitor ITS and Customer; "Party" shall
                  mean either Scitor ITS or Customer as the context requires;

         1.1.18   "PTT" shall mean a governmental or non-governmental entity or
                  authority which is empowered to own or lease and operate
                  telecommunications circuits or other capacity and to lease
                  said circuits or capacity to parties such as Scitor ITS;

         1.1.19   "PUBLIC X.28" shall mean Scitor ITS' shared public rotary X.28
                  dial up service.

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         1.1.20   "SERVICE" shall mean Frame Relay, X.25, X.28, LAN Access and
                  other data communications services and all related and
                  ancillary services thereto, or any of same, including the
                  provision of Equipment and Software, all as more fully
                  described in Attachment 1:

         1.1.21   "SITA" shall mean Societe Intemationale de Telecommunications
                  Aeronautiques;

         1.1.22   "SOFTWARE" shall mean the software programs and each and every
                  component thereof, as amended from time to time, including all
                  developments, versions or releases thereof whether existing
                  now or becoming available in the future, and all related
                  documentation, which may be supplied by Scitor ITS in
                  connection with the provision of the Service, whether integral
                  to the Equipment or otherwise;

         1.1.23   "SUB-CONTRACTOR" shall mean an Associated Company of Scitor
                  ITS or otherwise a third party whose identity has been
                  notified to Customer;

         1.1.24   "TAIL CIRCUIT" shall mean a telecommunications circuit or
                  other capacity leased from the relevant telecommunications
                  authorities (PTTs) and which permits the connection of a
                  Location to the nearest Scitor ITS Network node;

         1.1.25   "X.25" shall mean a synchronous protocol utilized to effect
                  managed data network services.

2.       SCOPE AND PURPOSE OF AGREEMENT

         This Agreement, including the Attachments, and Schedules, governs the
         terms and conditions upon which Scitor ITS shall render the Service to
         Customer. This Agreement is for the benefit of Customer only and in no
         event shall Customer be entitled to resell the Service to any third
         party. Scitor ITS reserves the right to refuse any request for Service
         at any Location or country or to immediately suspend or terminate any
         Service if Scitor ITS has reasonable grounds for suspecting that such
         request for, or provision of Service is not in accordance with this
         Clause 2. In no event shall Customer be authorized to connect any other
         communications network to the Network, with the exception of the
         Customer Equipment, whether directly or indirectly or whether via
         Equipment or any other terminal equipment not supplied by Scitor ITS.
         Breach of this Clause 2 by Customer shall be considered a material
         breach of this Agreement.

3.       TERM AND TERMINATION

3.1      This Agreement shall become effective on the Effective Date and, except
         as provided under Clauses 3.2 or 3.3 below, shall continue in full
         force and effect for the Initial Term. Thereafter, this Agreement shall
         be automatically renewed for successive periods of 12 months unless
         either Scitor ITS or Customer gives to the other Party written notice
         of its intention to terminate this Agreement at least 60 days prior to
         the end of the Initial Term or any renewal thereof.

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3.2      Either Party may terminate this Agreement by notice in writing to the
         other Party forthwith in any of the following events:

         3.2.1    if the other Party is guilty of any material breach,
                  non-observance or non-performance of its obligations hereunder
                  or any of them and does not remedy the same (if it is capable
                  of remedy) within 14 days of written notice of such failure or
                  breach being given by the non-defaulting Party;

         3.2.2    if an order is made or an effective resolution is passed for
                  the dissolution or winding up of the other Party except for
                  the purposes of an amalgamation, merger or reconstruction;

         3.2.3    if an encumbrancer takes possession or a receiver is appointed
                  over the whole or any part of the undertaking or assets of the
                  other Party;

         3.2.4    if the other Party becomes insolvent or makes any special
                  arrangements or any special assignment for the benefit of its
                  creditors, or is the subject of a voluntary or involuntary
                  filing under the bankruptcy laws of any jurisdiction.

3.3      On termination of this Agreement for whatever reason each Party will
         return to the other forthwith any and all property of whatever kind and
         nature provided under this Agreement and belonging to the other.

3.4      Termination of this Agreement for any cause shall not affect any rights
         or obligations of the Parties in relation to anything done prior to
         such termination and the provisions of this Agreement shall continue to
         bind the Parties insofar and so long as may be necessary to give effect
         to such rights and obligations.

4.       PROVISION OF SERVICE

4.1      Customer shall negotiate and conclude contracts with Customer Equipment
         suppliers wherein such contracts include the provision of the Services.
         Customer shall be solely responsible for all risks and expenses
         incurred in connection with its activities under this Agreement and for
         itself with Customer Equipment suppliers for the purpose of
         provisioning the Services and act in all respects on its own account,
         including, but not limited to, technical support, project management
         and help desk services. Customer shall procure under Customer Equipment
         suppliers contracts that all Customer Equipment suppliers will comply
         with all obligations of Customer under this Agreement.

4.2      Scitor I-TS shall provide and Customer shall obtain from Scitor ITS,
         the Service specified in Attachment 1, subject to payment of the
         charges specified in Attachment 2.

4.3      Scitor ITS reserves the right to control, direct and establish
         procedures for the use of the Service and Customer agrees to follow the
         reasonable instructions and procedures of Scitor ITS with respect to
         the use of the Service. Scitor ITS also reserves the right to make
         operational changes to the Service, including Customer identification
         procedures, types of terminal equipment permitted to access the
         Service, system programming languages, administrative and operational
         algorithms, apparatus comprised in any

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         network used to deliver the Service, and designation of particular
         addresses, provided that in the exercise of its rights under this
         Clause 4.2, Scitor ITS shall not materially adversely affect the
         Service provided to Customer nor cause Customer to incur increased
         charges.

4.4      Recognizing the rapidly changing telecommunications environment and the
         evolving area of telecommunications law, both Parties shall actively
         monitor and ensure that its operations, including the connection of any
         apparatus, Equipment or Customer Equipment to any network used to
         deliver the Service, are in full compliance at all times with the
         applicable telecommunications, data protection, or other laws,
         regulations, and licenses (including, but not limited to, the
         requirements and limitations associated with the provision of voice
         service over frame relay) in each jurisdiction in which Customer uses
         the Service or Scitor ITS provides the Service. Customer will obtain
         any necessary regulatory approvals and licenses, and upon reasonable
         request from Scitor ITS, Customer will provide evidence of said
         regulatory approvals and licenses to Scitor ITS.

4.5      Any terminal, Customer Equipment or other computer equipment used to
         gain access to the Service must be approved by Scitor ITS prior to its
         connection to the Network. Scitor ITS reserves the right to immediately
         disconnect (or require the disconnection of) any such equipment in
         breach of this provision.

4.6      "Customer shall nominate a representative ("Network Project Manager")
         and a deputy on either of whose authority Scitor ITS may rely in its
         relationship with Customer.

4.7      Scitor ITS shall put in place, and thereafter maintain for the term of
         this Agreement, reasonable security to protect Customer's computer
         stored data transmitted over the Network from unauthorized access and
         disclosure other than as permitted by the terms of this Agreement or to
         anybody having statutory authority to require Scitor ITS to make
         disclosures.

4.8      Customer shall be responsible for obtaining and maintaining the
         Customer Facilities. Neither Scitor ITS nor its agents or
         Sub-Contractors shall have any responsibility for or liability with
         respect to the Customer Facilities, including, but not limited to, the
         use, operation or performance of such Customer Facilities.

4.9      It is understood that the provision of adequate comprehensive liability
         insurance to protect Scitor ITS/SITA or Associated Companies of Scitor
         ITS from all forms of property damage, bodily injury and death, in all
         Locations where Customer Equipment is co-located with Scitor ITS/SITA
         or Associated Companies of Scitor ITS shall be provided by Customer.
         Said insurance shall be evidenced by Customer providing to Scitor ITS a
         certificate of insurance naming Scitor ITS/SITA or Associated Companies
         of Scitor ITS as additional insured with a minimum of thirty (30) days
         notice of cancellation.

5.       SUPPORT SERVICES

5.1      Scitor ITS shall provide for the benefit of Customer the help desk
         facilities at certain locations as notified by Scitor ITS, in order
         that Customer may obtain technical advice and guidance on the operation
         and use of the Service. Customer understands that the

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         location of the help desk facilities is subject to reasonable change at
         any time. These help desk facilities will be available 24 hours a day,
         7 days a week, to answer all service related queries to Customer
         designated personnel. Scitor ITS shall use its reasonable endeavors to
         respond to Customer promptly on any query which is Service related.

5.2      Scitor ITS shall provide Tail Circuit management Service for all Tail
         Circuits requested by Customer. Tail Circuit management services
         comprise:

         5.2.1    ordering (where legally able to do so) and managing of the
                  connection of Tail Circuits, modems and other communications
                  equipment from the relevant PTTs or other third party vendors
                  as applicable;

         5.2.2    testing and acceptance of Tail Circuits, modems and other
                  communications equipment;

         5.2.3    Tail Circuit fault reporting and coordination of restoration
                  upon Scitor ITS becoming aware of a fault;

         5.2.4    payment to PTTs and other third party vendors in local
                  currency on Customer's behalf, where applicable (but this
                  service does not affect Customer's liability with respect to
                  such Tail Circuits, modems or other communications equipment
                  and all sums paid by Scitor ITS to PTTs or other third party
                  vendors in respect thereof shall be reimbursed by Customer as
                  more fully described in Attachment 2).

5.3      It is acknowledged by Customer that in providing the Service under this
         Agreement, Scitor ITS will be carrying out various project management
         tasks as agreed by Customer. Customer hereby agrees to pay Scitor ITS
         for all project management agreed in advance by Customer, in accordance
         with the charges specified in Attachment 2. Project Management shall
         include, without limitation, creation and agreement of critical path
         schedules, liaison with Customer's Network Project Manager,
         implementation and configuration of all Network connections and overall
         management of Customer's account.

5.4      Scitor ITS shall put in place as soon as possible following the
         Effective Date of this Agreement, appropriate escalation procedures to
         facilitate the prompt and orderly resolution of any problems.

6.       EQUIPMENT

6.1      Scitor ITS shall connect the Equipment at the Locations (if requested
         by Customer) on dates to be agreed by the Parties. Scitor ITS shall
         provide reasonable notification of the date of connection and shall
         connect at times to be agreed by the Parties. Should connection require
         the removal or disconnection of any existing equipment of Customer,
         Customer shall permit, and obtain all necessary consents for, such
         removal or disconnection and shall give Scitor ITS all necessary
         assistance to enable such work to be carried out.

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6.2      On the date of connection of the Equipment, Scitor ITS shall commission
         the Equipment, which on successful commissioning shall be turned over
         to the Customer for Acceptance Testing. For the purpose of this Clause
         6.2, "successful commissioning" shall mean that Scitor ITS shall have
         checked, powered up, and then carried out manufacturer's initialization
         tests on the Equipment as confirmed by Customer in writing by the
         Customer's or the Associated Company's Network Project Manager.
         Customer shall have fifteen (15) days following successful
         commissioning to test the Equipment to ensure that the Equipment is
         functioning according to the specifications as set forth in Exhibit 1
         to Attachment 4 and is installed correctly ("Test Period"). Customer
         shall inform Scitor ITS in writing of any non-conformance during this
         period and Scitor ITS upon notification shall promptly correct such
         non-conformance. If Scitor ITS is unable to correct such
         non-conformance within thirty (30) days then the Customer may elect to
         cancel the Service at the affected Location without further obligation
         to Scitor ITS, If the Customer fails to provide Scitor ITS with notice
         within the Test Period, the Equipment shall be deemed accepted by the
         Customer. The date of acceptance shall be either the date Customer
         provide written notice of acceptance or fifteen (15) days after
         successful commissioning, whichever is earlier.

6.3      The rental period shall commence on the date of acceptance of the
         Service pursuant to Clause 12 and shall thereafter continue in
         accordance with the term of this Agreement.

6.4      The rental and any other charges shall be as specified in Attachment 2.

6.5      The Equipment shall at all times remain the sole and exclusive property
         of Scitor ITS or its Sub- Contractors and Customer shall have no rights
         or interest in the Equipment except for quiet possession and the right
         to use the Equipment under the terms and conditions of this Agreement.

6.6      Customer shall have the following additional obligations with respect
         to the Equipment:

         6.6.1    not to sell, assign, sub-let, pledge or part with possession
                  or control of or otherwise deal with the Equipment or any
                  interest therein;

         6.6.2    not to change, remove or obscure any labels, plates, insignia,
                  lettering or other markings which are on the Equipment at the
                  time of connection thereof or which may thereafter be placed
                  on the Equipment by Scitor ITS or by any person authorized by
                  Scitor ITS;

         6.6.3    to keep the Equipment free from distress, execution or any
                  other legal process;

         6.6.4    not to move the Equipment from the Location to which it was
                  delivered and connected without Scitor ITS's prior written
                  consent;

         6.6.5    not to use the Equipment or permit the same to be used
                  contrary to any law or any regulation for the time being in
                  force.

6.7      Customer shall have full responsibility for the upkeep of the
         Equipment. For the purpose of this Clause 6.7, "responsibility for
         upkeep" shall mean that Customer shall:

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         6.7.1    ensure that proper environmental conditions as recommended by
                  the manufacturers are maintained for the Equipment and that
                  the exterior surfaces are kept clean and in good condition;

         6.7.2    not make any modifications to the Equipment;

         6.7.3    not use in conjunction with the Equipment any accessory,
                  attachment or additional equipment other than that which has
                  been supplied by or approved in writing by Scitor ITS.

6.8      Upon termination or expiry of this Agreement, Customer shall surrender
         possession of the Equipment in good order, repair and condition, to
         Scitor ITS, fair wear and tear excepted.

6.9      Scitor ITS shall ensure that the Equipment is at the time of
         commissioning, and remains during the term of this Agreement, in good
         working order. If a Service fault occurs which has been caused by a
         failure in the Equipment, Scitor ITS shall restore or repair the
         Service as soon as practicably possible to the affected Location
         following such notification. Scitor ITS further agrees that a Scitor
         ITS Sub-Contractor will, if necessary as determined by Scitor ITS,
         arrive at the affected Location and commence any remedial activities
         within 4 working hours of notification, provided the notification is
         received, and the call-out can be made during the normal business day
         of the Scitor ITS Sub-Contractor nearest to the affected Location, and
         provided, also that the affected Location is within a 45 mile radius of
         said center ("Normal Service"). Remedial service on Equipment other
         than Normal Service shall be carried out by Scitor ITS through its
         Sub-Contractors as soon as is practicably possible, taking into account
         availability of service personnel, the time and date of Customer's
         notification and the country concerned.

6.10     Scitor ITS shall not be responsible for Service faults, nor shall
         Scitor ITS be obliged to comply with its obligations under Clause 6.9,
         if such faults occur as a result of: (a) damage to the Equipment during
         transport activity or connection carried out by Customer or any third
         party other than as authorized by Scitor ITS; (b) interventions other
         than normal interventions carried out by non Scitor ITS personnel; (c)
         modifications, to the Equipment which have not been approved by the
         Equipment manufacturer or carried out by personnel unapproved by Scitor
         ITS; (d) improper treatment to the Equipment, failure to meet the
         Equipment manufacturer's specifications, or environmental conditions;
         or (e) accident or negligence on the part of Customer or any Force
         Majeure event. Any site visits or repairs made necessary by the events
         specified in this Clause 6.10 shall be subject to prior agreement by
         Scitor ITS and may cause Customer to incur increased charges for the
         Service at the affected Location, such charges to be commensurate with
         the cost to Scitor ITS of restoring or repairing the Service.

7.       SOFTWARE

         Customer is hereby granted non-exclusive and non-transferable licenses
         to use Software strictly in performing this Agreement. The Software and
         any intellectual property rights of whatever nature in the Software are
         and shall remain vested in Scitor ITS or an

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         Associated Company of Scitor ITS and nothing contained in this
         Agreement shall convey any ownership interest in the Software to
         Customer. Customer acknowledges that the provision of Software is made
         by Scitor ITS strictly for use in conjunction with the Service and
         Customer agrees not to produce, copy, alter, modify, or add to the
         Software or any part thereof, nor to attempt or to allow a third party
         to attempt to reverse engineer, translate or convert the Software from
         machine readable to human readable form, except as permitted by
         applicable law.

8.       INTELLECTUAL PROPERTY RIGHTS AND CONFIDENTIALITY

8.1      It is understood and agreed by Customer that all intellectual property
         rights in the computer programs utilized by Scitor ITS in relation to
         the Service, and the Network are either licensed to or the property of
         Scitor ITS and nothing contained in this Agreement shall be deemed to
         convey title or ownership interest therein to Customer.

8.2      Subject to this Clause 8.2, Scitor ITS warrants that the Service will
         not infringe third party intellectual property rights in any country
         where the Service are provided to Customer. If Scitor ITS breaches this
         warranty it will defend Customer against any claim in respect of any
         infringement or alleged infringement and will pay resulting costs and
         damages finally awarded by a court, provided that Customer: (a)
         promptly notifies Scitor ITS in writing of the claim and; (b) gives
         Scitor ITS sole control of the defense and all related settlement
         negotiations. Scitor ITS will either procure the right for Customer to
         continue using the Service (including the part of the Service that has
         infringed) or offer alternative Service so that they become
         non-infringing, at no cost to Customer. Scitor ITS will have no
         liability for any claim based upon the combination, operation or use of
         the Service with equipment, data or software not supplied by Scitor ITS
         if the cause of the infringement cannot be clearly identified.
         Notwithstanding anything else contained in this Clause 8.2, in no event
         shall Scitor ITS's liability to Customer in respect of Equipment or
         software not proprietary to Scitor ITS or an Associated Company of
         Scitor ITS exceed any intellectual property infringement warranties
         provided to Scitor ITS or an Associated Company of Scitor ITS by third
         party equipment and software suppliers.

8.3      Customer and Scitor ITS acknowledge that they will receive confidential
         information and trade secrets ("Confidential Information") from each
         other in connection with this Agreement. Confidential Information shall
         be deemed to include all the information each Party receives from the
         other Party, except anything designated as not confidential. Customer
         and Scitor ITS agree to maintain the secrecy of the Confidential
         Information and agree neither to use it (except for the purposes of
         performing hereunder) nor to disclose it to anyone outside Customer or
         Scitor ITS or to anyone within Customer and Scitor ITS who does not
         have a need to know it in order to perform under this Agreement.
         Confidential Information shall not include any information which is
         publicly available at the time of the disclosure or subsequently
         becomes publicly available through no fault of Customer or Scitor ITS
         or is rightfully acquired from a third party who is not in breach of an
         agreement to keep such information confidential.

9.       CHARGES AND PAYMENT

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9.1      All charges shall be invoiced by Scitor ITS to Customer in Dollars,
         monthly in advance unless otherwise provided in Attachment 2, and shall
         be payable, in Dollars, without deduction or set- off, within 30 days
         of receipt of invoice by Customer. All other charges shall be invoiced
         as incurred or monthly, in arrears, in Dollars and shall be payable, in
         Dollars, without deduction or set-off, within 30 days of receipt of
         invoice by Customer

9.2      All prices and charges stated are exclusive of value added tax, sales
         tax, excise tax, gross receipts tax and any similar tax which may be
         applicable thereto and Customer agrees to pay all such applicable
         taxes.

9.3      Scitor ITS reserves the right to make a reasonable charge for any work
         done by Scitor ITS which is attributable to Customer's failure to
         perform any of its obligations under this Agreement, provided that such
         work is necessary in the reasonable discretion of Scitor ITS and that
         wherever feasible, Scitor ITS shall have notified Customer's Network
         Project Manager in advance.

9.4      Reasonable charges for travel and subsistence (when not specifically
         and expressly included in the Service) are separately payable by
         Customer provided and to the extent that they have been agreed to in
         advance by the Parties.

9.5      Failure to pay by Customer according to the terms of this Agreement
         shall entitle Scitor ITS ,, without prejudice to its other rights and
         remedies under this Agreement to:

         9.5.1    charge interest on a daily basis from the original due date at
                  the rate of 4 percentage points above the Chase Manhattan
                  Bank's annual Prime Rate in force from time to time; and/or

         9.5.2    suspend the Service, having given 14 days written notice of
                  its intention to do so, and Customer having failed to remedy
                  its payment default during that time.

9.6      There will be special pricing that applies to the Services up until
         December 31, 1996. After that date the full rate pricing will be
         charged, all as more fully described in the Schedule to Attachment 2.

10.      EXCLUSIONS AND LIMITATIONS OF LIABILITY

10.1     Neither Party will be liable for delay in performing obligations or for
         any failure to perform obligations if the delay results from
         circumstances beyond the reasonable control of either Party.

10.2     EXCEPT AS EXPRESSLY CONTAINED IN THIS AGREEMENT, SCITOR ITS MAKES NO
         WARRANTIES AND HEREBY DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED,
         INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR
         PURPOSE WITH RESPECT TO THE SERVICE OR ANY EQUIPMENT OR SOFTWARE
         PROVIDED UNDER OR IN RELATION TO THE AGREEMENT.

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10.3     NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, NEITHER
         PARTY SHALL BE LIABLE TO THE OTHER PARTY FOR ANY INCIDENTAL, SPECIAL,
         CONSEQUENTIAL OR PUNITIVE DAMAGES HOWSOEVER ARISING INCLUDING, BUT NOT
         LIMITED TO, ANY DAMAGES FOR LOST TIME, INCOME, REVENUE, CLIENTS
         GOODWILL, PROFITS OR OTHER SIMILAR ITEMS. OR ANY BUSINESS INTERRUPTION
         OF ANY KIND EVEN IF THE OTHER PARTY HAS BEEN INFORMED OF THE
         POSSIBILITY OF SUCH DAMAGES IN ADVANCE.

10.4     In the event that data furnished by Customer, whether transmitted via
         the Network or otherwise, is lost, destroyed or damaged due to the
         negligence of Scitor ITS, its agents or employees, Customer's sole
         remedy shall be the repair or replacement by Scitor ITS of such lost,
         destroyed or damaged data, provided however that such repair or
         restoration can reasonably be performed by Scitor ITS and provided,
         further, that Customer furnishes Scitor ITS with all source data, in
         machine readable form, necessary for such repair or restoration.

10.5     Subject to Clauses 10.3 and 10.4, and without prejudice to Customer's
         obligation to pay any charges hereunder for Service rendered, the
         Parties' maximum liability to each other under this Agreement is
         limited in respect of each event or series of connected events as
         follows:

         [ * ]       in respect of physical damage to or loss of tangible
                     property;

         [ * ]       in respect of all other events other than intentional acts
                     or acts of negligence by a Party, its employees or agents,
                     to the extent that such acts cause death of or injury to
                     persons.

10.6     The Parties' sole obligations and liabilities are as stated in this
         Agreement and all other representations, conditions, warranties and
         terms express or implied whether by statute, law or otherwise are
         hereby excluded to the full extent permitted by law.

11.      INDEMNITY

         Customer hereby agrees to indemnify and hold Scitor ITS harmless, from
         and against any and all claims, liabilities, losses, damages, costs,
         expenses (including reasonable legal fees and other costs of litigation
         or arbitration on an indemnity basis) [ * ]. This Clause 11 shall
         survive any termination or expiration of this Agreement.

12.      COMMISSIONING AND ACCEPTANCE OF SERVICE

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[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>
12.1     Scitor ITS shall commission the Service at the Locations carrying out
         the Commissioning Tests and procedures specified in Attachment 4.

12.2     Acceptance of the Service at a Location by Customer shall be on the
         date that Scitor ITS has successfully completed said Commissioning
         Tests or, in the case of X.28 dial-up shared public rotary service, on
         the date Scitor ITS issues a network user identifier ("NUI") to
         Customer.

13.      CHANGE CONTROL PROCEDURES

         All changes to the Service including, without limit to the generality
         of the foregoing, connection upgrades and downgrades, reconfigurations
         and new Service shall be as mutually agreed by the Parties and shall be
         subject to the following change control procedures:

         13.1     Customer shall submit to Scitor ITS a written request for
                  change which alters, amends, enhances, adds to or deletes from
                  the Service to be provided by Scitor ITS under this Agreement
                  (hereinafter referred to as an "RFC");

         13.2     Scitor ITS shall evaluate each such RFC and shall within
                  fourteen (14) days following Scitor ITS's receipt of the RFC
                  submit a written response including Scitor ITS's ability to
                  provide any varied or new Service, and the cost impact upon
                  Customer in doing so;

         13.3     upon receipt of Scitor ITS's response, Customer shall notify
                  Scitor ITS whether it wishes to proceed on the basis of the
                  terms and conditions set forth in Scitor ITS's response;

         13.4     upon receipt of said notification from Customer that they wish
                  to proceed, Scitor ITS shall within sixty (60) days of the
                  original written request from Customer, commence performance
                  in accordance therewith;

         13.5     for the purposes of this Agreement, each RFC duly accepted by
                  Scitor ITS and Customer shall constitute a supplement to this
                  Agreement and shall thus be automatically incorporated herein.

14.      APPLICABLE LAW AND ARBITRATION

14.1     This Agreement and all matters regarding the interpretation and / or
         enforcement hereof, shall be governed exclusively by the law of the
         State of Georgia, except in so far as the federal law of the United
         States of America may control any aspect of this Agreement in which
         case federal law shall govern such aspect.

14.2     All disputes arising in connection with this Agreement shall be settled
         exclusively by arbitration before a single arbitrator in Washington,
         D.C. in accordance with the Commercial Arbitration Rules of the
         American Arbitration Association. Each Party irrevocably consents to
         personal jurisdiction and to ex parte action should any Party refuse to
         participate in such proceedings. The arbitrator's award shall be final
         and

Final                                Page 12                              I-Pass
<PAGE>
         binding on all Parties and judgment on the award may be entered and the
         award enforced in any court having jurisdiction thereof.

15.      GENERAL

15.1     NOTICES: All notices under this Agreement shall be in writing addressed
         to the Parties at their respective addresses stated on page 1 hereof,
         or any subsequent address notified to the other Party following the
         procedures set forth in this Clause 15.1. If sent by international
         courier, notices shall be deemed to have been given 3 days after the
         date of delivery by the Party giving notice the notice to the courier.
         Notices hereunder may also be sent by facsimile to addresses and/or
         numbers notified for the purpose pursuant to the procedures set forth
         in this Clause 15.1, provided that the sending Party obtains
         confirmation of the receipt of such notices from the recipient. If so
         sent, such notices shall be deemed to have been given on the first
         business day (in the country of receipt) after the date of
         transmission.

15.2     ASSIGNMENT: Neither Party shall assign or otherwise dispose of this
         Agreement or any part hereof or any benefit hereunder without the prior
         consent in writing of the other Party, provided that:

         15.2.1   Scitor ITS shall be entitled to assign or otherwise dispose of
                  this Agreement or any part hereof to an Associated Company of
                  Scitor ITS; and

         15.2.2   Customer shall be entitled to assign or otherwise dispose of
                  this Agreement, or any part hereof to an Associated Company of
                  Customer, having received Scitor ITS's written consent, such
                  consent not to be unreasonably withheld or delayed.

15.3     NO WAIVERS: No failure or delay of either Party in exercising any
         right, power, or privilege hereunder (and no course of dealing between
         the Parties) shall operate as a waiver of any such right, power or
         privilege. No waiver of any default on any one occasion shall
         constitute a waiver of any subsequent default. No single or partial
         exercise of any such right, power or privilege shall preclude the
         further or full exercise thereof.

15.4     NO THIRD PARTY BENEFICIARIES, AGENCY OR PARTNERSHIP: The provisions of
         this Agreement are solely for the benefit of the Parties. No other
         parties, including Customer Associated Companies , invitees, members of
         the general public and other third parties are intended to have nor
         shall have any rights whatsoever under this Agreement, whether for
         injury, loss or damage to persons or property, or for economic loss,
         damage or injury otherwise. This Agreement is not intended to create a
         joint venture or partnership between the Parties and neither Party is
         authorized to act as the agent of the other.

15.5     INVALIDITY: If any term, provision, or clause of this Agreement or any
         portion of such term, provision or clause is held invalid or
         unenforceable, the remainder of this Agreement will not be affected
         thereby and each remaining term, provision or clause or portion thereof
         will be valid and enforceable to the full extent permitted by law.

15.6     FURTHER DOCUMENTS: Each Party agrees to execute such additional
         documents as may be necessary or appropriate to accomplish the purposes
         this Agreement.

Final                                Page 13                              I-Pass
<PAGE>
15.7     SUB-CONTRACTORS: Scitor ITS shall be entitled to subcontract any of its
         obligations under this Agreement to Sub-Contractors but Scitor ITS
         shall in all events be fully liable to Customer for the performance (or
         lack of) of its Sub-Contractors under this Agreement.

15.8     ENTIRE AGREEMENT: This Agreement constitutes the entire agreement
         relating to the Service and supersedes all previous oral or written
         communications, proposals and agreements in respect thereof. This
         Agreement may not be modified, except by supplements duly executed by
         the Parties.

15.9     INTERPRETATIONS: In this Agreement unless otherwise stated (a) the
         headings used in this Agreement are included for convenience only and
         are not to be used in construing or interpreting this Agreement; (b)
         any reference to the plural shall include the singular and any
         reference to the singular shall include the plural; and (c) any
         reference to an attachment, clause or to a schedule shall be an
         attachment, clause or a schedule of this Agreement.

         IN WITNESS WHEREOF, Scitor ITS and Customer have duly executed this
Agreement as of the day and year first above written.

SCITOR ITS                                   CUSTOMER

By:      /s/ William Bongert                 By:      /s/ Christopher Moore
       ----------------------------                -----------------------------
Name:    William Bongert                     Name:    Chris Moore
       ----------------------------                -----------------------------
Title:   Vice President & GM                 Title:   President
       ----------------------------                -----------------------------

Final                                Page 14                              I-Pass
<PAGE>
                      ATTACHMENT 1 - DESCRIPTION OF SERVICE

The Service provided by Scitor ITS under this Agreement shall be as described in
this Attachment. Changes to the Service shall be mutually agreed by the Parties
(and in accordance with the procedures set forth in Clause 13) and shall be
incorporated herein by duly executed supplements.

1.       OVERVIEW.

         Scitor ITS shall provide Customer with an end to end managed data
         network service, providing a complete end to end solution for the
         interconnection of Customer's Local Area Network ("LAN") in the
         Locations, and including connection to the Network (X.25 or Frame
         Relay) to the SITA Mega Transport Network (MTN), provision and support
         of routers, end to end Network management to include alarm monitoring,
         configuration, problem diagnosis, and consolidated support of all
         Network components. In order to maintain security of the Locations,
         each of the routers provided will be configured with an access list.
         Customer shall be provided with a VPN that shall be accomplished by
         administration of the virtual private circuits as defined in the Frame
         Relay service to prevent access to and from any site not specifically
         authorized by the Customer. Access lists in the Customer's site routers
         can be used to provide additional security as Customer deems necessary.

2.       SPECIFIC CONNECTIONS

         Scitor shall provide the specific connections at the Customer's request
         and line speeds to the Network all as more fully described in the
         schedules to Attachment 2 at the Locations listed in the schedule to
         Attachment 3, and also the provision of routers, modems, and cables
         (from the routers to the modems).

3.       SOFTWARE

         The Software under this agreement shall consist of software and
         firmware integral to the Equipment.

4.       LAN TO LAN ACCESS

         LAN to LAN Access comprises the delivery, configuration, connection and
         ongoing support of all routers, modems and cables to ensure LAN to LAN
         connectivity between the Locations. As part of this service Scitor ITS
         will configure the router network to provide optimum performance across
         the Network. Each LAN protocol to be carded across the network will be,
         in each case, tuned to ensure that only traffic for the wide area
         network is passed from the LAN.

Final                       Attachment 1, Page 1                          I-Pass
<PAGE>
                             ATTACHMENT 2 - CHARGES

         Scitor ITS shall provide Customer with the Service in the Locations and
         in accordance with the charges all as set forth in the schedule to this
         Attachment ("Schedule"). Scitor shall commence billing of fixed port
         and CIR charges on the date of commissioning of the Service at any
         Location and such charges will then be invoiced monthly in advance
         until the date of termination or expiration of this Agreement; traffic
         charges shall be invoiced monthly in arrears; connection and set up
         charges will be added to the first months port charge, and NUI
         administration charges shall be invoiced monthly in arrears. Customer
         understands that the X.28 connections are Scitor ITS' asynchronous
         public shared rotary dial-up Service.

1.       PORT AND CIR CHARGES

         The port and CIR charges applicable to the Locations shall be as
         specified in the Schedule. All port and CIR charges are fixed for the
         Initial Term. Scitor shall commence billing of fixed port charges on
         the date of commissioning of the Service at any Location and such
         charges will then be invoiced monthly in advance until the date of
         termination or expiration of this Agreement.

2.       CONNECTION AND DISCONNECTION CHARGES

         The charges applicable for connections shall be as specified in the
         Schedule and for disconnections shall be [ * ] per disconnected
         Location. All such charges are one time charges payable in the case of
         connections on the date of commissioning of the Service at a Location;
         in the case of disconnections, such charges are payable on the date of
         disconnection of the Location from the Network.

3.       PROJECT MANAGEMENT CHARGES

         Project Management charges applicable to this Agreement shall be as
         specified in the "Schedule. All Project Management charges are one time
         charges payable on the date of commissioning of the Service at a
         Location.

4.       TAIL CIRCUIT CHARGES

         Tail Circuit charges shall be as notified by Scitor ITS. Tail Circuit
         charges are monthly charges adjusted in line with actual charges from
         PTTs. Customer shall be entitled to request Scitor ITS to review the
         Tail Circuit charges for any Location and any changes to Tail Circuit
         charges as a result of said review shall be effected the first day of
         the month following such review. No credits for Tail Circuit charges
         shall apply. Tail Circuit charges commence from the date of
         installation of the Tail Circuit by the PTT.

5.       MANAGEMENT CHARGES

         TAIL CIRCUIT Customer shall pay monthly a charge of [ * ] of the Tail
         Circuit charges or [ * ], whichever is the higher. This charge is in
         addition to Tail Circuit charges.

Final                       Attachment 2, Page 1                          I-Pass

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>
         NUI Customer shall pay monthly a charge of [ * ] per Location.

6.       EQUIPMENT RENTAL CHARGES

         Equipment rental charges applicable to this Agreement shall be as
         specified in the Schedule. These charges shall be fixed for the Initial
         Term of this Agreement. Equipment rental charges shall commence on the
         date of commissioning of the Service at a Location.

7.       SOFTWARE LICENSE FEES

         The software license fees shall be as specified in the Schedule and
         shall be payable upon the date of delivery of the Software to Customer
         (unless integral to the Equipment).

Final                       Attachment 2, Page 2                          I-Pass

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>
                         SCHEDULE X.25 AND X.28 CHARGES

1.       MONTHLY PORT CHARGES

<TABLE>
<CAPTION>
LOCATION             SERVICE         LINE SPEED   FIXED PORT ($)            TRAFFIC ($ PER MB)
--------------------------------------------------------------------------------------------------
<S>                  <C>             <C>          <C>                       <C>
San Francisco        x.25            56Kbps       [ * ]                     N/A (waived through 31
                                                                            December 1996)
San Francisco        x.25            56Kbps       [ * ] (after 1/1/97)      N/A
San Francisco        LANAS                        [ * ]
San Francisco        x.28 NUI                     [ * ] each
San Francisco        Telehousing                  [ * ]
</TABLE>

1.1      Customer understands that the X.28 connections are Scitor ITS'
         asynchronous public shared rotary dial-up Service.

1.2      All other port charges shall be as notified to Customer by Scitor ITS
         from time to time.

1.3      All X.28 Public Dial connection charges will be billed at a rate of
         [ * ] per hour through 31 December 1996. Effective 1 January 1996,
         these charges will be invoiced in accordance with the Schedule of
         Public x.28 Connection Charges included on Page 2 to Attachment 2 of
         this Agreement.

2.       CONNECTION CHARGES (ONE TIME)

<TABLE>
<CAPTION>
Location                       Charge $       Service
----------------------------------------------------------------------
<S>                            <C>            <C>
San Francisco                  [ * ]          X.25
San Francisco                  [ * ]          LANAS
Various (NUI)                  [ * ]          X.28 ( per connection )
</TABLE>

All other connection charges shall be as notified to Customer by Scitor ITS from
time to time.

Final                       Schedule, Page 1                              I-Pass

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.

<PAGE>
                     SCHEDULE PUBLIC X.28 CONNECTION CHARGES

<TABLE>
<CAPTION>
ZONE               NUI              ZONE 1           ZONE 2          ZONE 3           ZONE 4           ZONE 5
                                     PER              PER             PER              PER              PER
                   PER MTH $        HOUR $           HOUR $          HOUR $           HOUR $           HOUR $
------------------------------------------------------------------------------------------------------------------
<S>                <C>              <C>              <C>             <C>              <C>              <C>
ZONE 1             [ * ]            [ * ]            [ * ]           [ * ]            [ * ]            [ * ]
ZONE 2             [ * ]            [ * ]            [ * ]           [ * ]            [ * ]            [ * ]
ZONE 3             [ * ]            [ * ]            [ * ]           [ * ]            [ * ]            [ * ]
ZONE 4             [ * ]            [ * ]            [ * ]           [ * ]            [ * ]            [ * ]
ZONE 5             [ * ]            [ * ]            [ * ]           [ * ]            [ * ]            [ * ]
ZONE 6             [ * ]            [ * ]            [ * ]           [ * ]            [ * ]            [ * ]
ZONE 7             [ * ]            [ * ]            [ * ]           [ * ]            [ * ]            [ * ]
</TABLE>

Final                       Schedule, Page 2                              I-Pass

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>
ZONES

<TABLE>
<CAPTION>
      ZONE 1               ZONE 2         ZONE 3          ZONE 4             ZONE S          ZONE 6        ZONE 7
      ------               ------         ------          ------             ------          ------        ------
<S>                   <C>                 <C>           <C>               <C>              <C>             <C>
   Austria            Bulgaria            Canada        Australia         Bahrain          Argentina       Rest of
                                                                                                           the World

   Belgium            Cyprus              USA           China             Egypt            Bermuda
   Denmark            Czechoslovakia      Mexico        Hong Kong         Israel           Brazil*
   Finland            Greece                            Indonesia         Jordan           Chile
   France             Hungary                           Japan             Kuwait           Colombia
   Germany            Iceland                           Malaysia*         Morocco          Ecuador
   Ireland            Malta                             New Zealand       Qatar            El Salvador
   Italy              Poland                            Philippines       Saudi Arabia     Guatemala
   Luxembourg         Romania                           South Korea       South Africa     Honduras
   Netherlands        Russia                            Singapore         Tunisia          Panama
   Norway             Turkey                            Taiwan*           UAE              Peru
   Portugal           Yugoslavia                        Thailand*                          Puerto Rico
   Spain                                                                                   Uruguay
   Sweden                                                                                  Venezuela
   Switzerland
   UK
</TABLE>

* Scitor ITS prices plus local PDN charges

Nothing in this Schedule constitutes a representation that Scitor ITS can
provide Public X.28 service in all the above listed countries.

Final                       Schedule, Page 3                              I-Pass
<PAGE>
                            ATTACHMENT 3 - LOCATIONS

1.       The Locations to be provided with the Service shall be as specified in
         the schedule to Attachment 2 ("Schedule").

2.       Customer agrees to commit to use the Service for a minimum of thirty
         six (36) months at all Locations from the Date of Connection of the
         Service as specified in Attachment 4 (or the actual Date of Connection
         if different) subject to the following exceptions:

2.1      Customer terminates this Agreement under Clause 3.2;

2.2      Customer substitutes any Location with a new Location provided Scitor
         ITS is able to provide Service at the new Location. Scitor ITS shall be
         entitled to invoice Customer a connection and project management charge
         for the new Location as agreed by the Parties;

2.3      Customer may remove a Location if Customer is unable to conduct its
         business at that Location due to Force Majeure. This provision may only
         be invoked by Customer after 30 continuous days of Force Majeure;

3.       Any cancellation of Service at a Location under Clauses 2.2 and 2.3
         above (but not pursuant to Clause 2.1 of this Attachment 3 where there
         are no conditions other than as set forth in the Agreement at the
         appropriate clauses) shall be conditional on the following:

3.1      Customer must give Scitor ITS at least 60 days prior written notice;

3.2      Customer shall remain responsible for any Tail Circuit charges
         (including cancellation penalties) relevant to the Location where
         cancellation of Service has been requested, but Scitor ITS shall, on a
         best efforts basis, mitigate such costs by terminating any rental
         contracts with PTTs as soon as practically possible, following written
         notification by Customer;

3.3      "Customer shall pay to Scitor ITS a disconnection fee of [ * ] per
         canceled Location;

3.4      Customer shall remain responsible for the duration of the term of this
         Agreement for payment of the monthly rental charges for the Equipment.
         Customer may discharge this responsibility at any time by paying Scitor
         ITS a lump sum equal to the depreciated value of the Equipment, as at
         the date of notice of cancellation, based on the original price paid by
         Scitor ITS or its Sub- Contractors for the Equipment plus 15% of such
         original price as a fee for administration and disconnection. Customer
         understands that Scitor ITS depreciates the Equipment over 3 years.
         Scitor ITS will transfer the Equipment to a substitute Location on
         payment of a reconnection charge agreed by the Parties and in addition
         Scitor ITS's travel and out of pocket expenses. A transfer shall not
         affect the rental term.

Final                     Attachment 3, Page 1                            I-Pass

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>
                          ATTACHMENT 4 - COMMISSIONING

1.       DATES OF CONNECTION

1.1      Scitor ITS shall connect the Service at the Location on the following
         Dates of Connection:

<TABLE>
<CAPTION>
                                                             Date of
Location                                                     Connection
--------                                                     ----------
<S>                                                          <C>
San Francisco, CA                                            1 November 1996
</TABLE>

1.2      Scitor ITS shall use reasonable efforts to connect the Service at the
         Locations on the above Dates of Connection, but shall have no
         responsibility, nor liability for delays unless caused by the
         negligence of Scitor ITS. In the event of any such delays Scitor ITS
         shall use reasonable efforts to provide the Service as set out in this
         Agreement at the earliest opportunity. Scitor ITS reserves the right to
         connect an interim service should such delays occur.

1.3      Customer shall use reasonable efforts to accept the Service at the
         Locations on the Dates of Connection as set out above. Should Customer
         request to delay any Date of Connection after the Effective Date of
         this Agreement, such request if reasonable shall be agreed by Scitor
         ITS but any such delays agreed to by Scitor ITS shall not affect
         Customer's obligations to: (a) reimburse Scitor ITS for all PTT and
         other third party vendor charges in respect of Tail Circuits and
         communications equipment incurred from the date of any contract between
         Scitor ITS and any PTT or other third party vendor; and, (b) to accept
         Service at such affected Locations as soon as possible after the reason
         for the delay has been corrected.

1.4      Customer also understands that should Scitor ITS or its agents or
         Sub-Contractors carry out a visit to a Location in order to connect the
         Service, and be then unable to do so as a result of any act or omission
         by Customer, Scitor ITS reserves the right to charge Customer for such
         visit at its then current manpower rates for such time and its
         reasonable travel and out of pocket expenses.

2.       COMMISSIONING

         Commissioning shall mean that Scitor ITS or its Sub-Contractors shall
         carry out the following Commissioning Tests at each Location as
         appropriate from Scitor ITS sites remote to the Customer Locations.

3.       COMMISSIONING TESTS

3.1      TAIL CIRCUIT

         To run three 15 minute Bit Error Rate Tests to ensure that no more than
         one error in 106 data bits occur on the Tail Circuit.

Final                     Attachment 4, Page 1                            I-Pass
<PAGE>
3.2      ALTERNATIVE TESTING

         Where local PTT operating conditions are such that the above
         commissioning tests are not appropriate, Scitor ITS is entitled to
         carry out alternative commissioning tests as agreed to by Customer. In
         this event Scitor ITS shall provide to the Customer a description of
         these alternative commissioning tests.

Final                     Attachment 4, Page 2                            I-Pass
<PAGE>
                                 AMENDMENT NO. 1

    TO THE MANAGED DATA NETWORK SERVICES AGREEMENT NO. MDNS/US/IPAS/09/96/99
                            DATED SEPTEMBER 17, 1996
   BETWEEN SCITOR INTERNATIONAL TELECOMMUNICATIONS SERVICES, INC. (SCITOR ITS)
                                       AND
                        I-PASS ALLIANCE, INC. (CUSTOMER)

THIS AMENDMENT is made by and between SCITOR ITS having its principal place of
business located at 3100 Cumberland Circle, Suite 1200, Atlanta, Georgia 30339
and CUSTOMER, having its principal place of business located at 555 Bryant
Avenue, #248, Palo Alto, California 94301.

In consideration of the covenants, premises and agreements set forth below, and
in consideration of those set forth in the Agreement which this Amendment
supplements, the parties do hereby agree as follows:

The Schedule to Attachment 2 shall be replaced in its entirety by the revised
Schedule to Attachment 2, attached hereto and made a part hereof this Amendment
No.1 and the Agreement..

All other terms and conditions are as set forth in the Agreement shall remain in
full force and effect.

Customer and Scitor ITS each represent to the other that it has due and proper
authority to enter into this Amendment to the Agreement and to make and perform
all duties and obligations set forth and contemplated by this Amendment.

IN WITNESS WHEREOF, this Amendment No. 1 was entered into as of the day and year
first written below.

SCITOR INTERNATIONAL TELECOMMUNICATIONS             iPASS ALLIANCE, INC.

By: /s/ Barry Goodman                               By: /s/ Chris Moore
    -------------------------------                     ------------------------

Printed Name: Barry Goodman                         Printed Name: Chris Moore
              ---------------------                               --------------

Title: Director, Commercial Affairs                 Title: President/CEO
       ----------------------------                        ---------------------

Date: 2/2/97                                        Date: 12/30/96
     ------------------------------                      -----------------------
<PAGE>
                         SCHEDULE X.25 AND X.28 CHANGES

1.       MONTHLY PORT CHARGES

<TABLE>
<CAPTION>
 LOCATION                 SERVICE               LINE SPEED           FIXED PORT ($)       TRAFFIC ($ PER MB)
<S>                       <C>                   <C>                  <C>                  <C>
San Francisco             X.25                   56Kbps                  [ * ]                  [ * ] (waived through
                                                                                                2/28/97)

San Francisco             X.25                   56Kbps                  [ * ] (after 3/1/97)  N/A
San Francisco             Cisco 2501                                     [ * ]
Network User ID           Each                                           [ * ]
Telehousing                                                              [ * ]
</TABLE>

1.1      Customer understands that the X.28 connections are Scitor ITS'
         asynchronous public shared rotary dial-up Service.

1.2      All other port charges shall be as notified to Customer by Scitor ITS
         from time to time.

2.       CONNECTION CHARGES
         (ONE TIME)

<TABLE>
<CAPTION>
                       LOCATION                                CHARGE $                           SERVICE
<S>                                              <C>                                     <C>
        San Francisco                            [ * ]                                   X.25
        Cisco 2501                               [ * ]                                   LAN Access Router
        Various (NUI)                            [ * ]                                   X.28 (per connection)
</TABLE>

All other connection charges shall be as notified to Customer by Scitor ITS from
time to time.

3.       Through February 28, 1997, the connection charges per hour will be
         [ * ] per hour across all zones. Effective March 1, 1997, the below
         X.28 public dial pricing matrix will be in effect.

FINAL                        Schedule, Page 1, Amendment No.1             I-PASS

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>
                     SCHEDULE PUBLIC X.28 CONNECTION CHARGES

<TABLE>
<CAPTION>
                   NUI
    ZONE        PER MTH $     ZONE 1       ZONE 2       ZONE 3       ZONE 4       ZONE 5       ZONE 6       ZONE 7
<S>             <C>           <C>          <C>          <C>          <C>          <C>          <C>          <C>
ZONE 1            [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]
ZONE 2            [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]
ZONE 3            [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]
ZONE 4            [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]
ZONE 5            [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]
ZONE 6            [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]
ZONE 7            [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]        [ * ]
</TABLE>

NOTE:  IN COUNTRY USAGE CHARGES PER HOUR ARE AS FOLLOWS:

<TABLE>
<CAPTION>
          [ * ]                    [ * ]                   [ * ]                  [ * ]                  [ * ]
<S>                                <C>                     <C>                    <C>                    <C>
          [ * ]                    [ * ]                   [ * ]                  [ * ]                  [ * ]
</TABLE>

FINAL                        Schedule, Page 2, Amendment No.1             I-PASS

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>
                                      ZONES

<TABLE>
<CAPTION>
     ZONE 1             ZONE 2          ZONE 3         ZONE 4           ZONE 5         ZONE 6            ZONE 7
<S>                <C>                <C>          <C>              <C>             <C>            <C>
Austria            Bulgaria           Canada       Australia        Bahrain         Argentina      Rest of the World
Belgium            Cyprus             USA          China            Egypt           Bermuda
Denmark            Czechoslovakia     Mexico       Hong Kong        Israel          Brazil*
Finland            Greece                          Indonesia        Jordan          Chile
France             Hungary                         Japan            Kuwait          Colombia
Germany            Iceland                         Malaysia*        Morocco         Ecuador
Ireland            Malta                           New Zealand      Qatar           El Salvador
Italy              Poland                          Philippines      Saudi Arabia    Guatemala
Luxembourg         Romania                         South Korea      South Africa    Honduras
Netherlands        Russia                          Singapore        Tunisia         Panama
Norway             Turkey                          Taiwan*          UAE             Peru
Portugal           Yugoslavia                      Thailand*                        Puerto Rico
Spain                                                                               Uruguay
Sweden                                                                              Venezuela
Switzerland
UK
</TABLE>

* Scitor ITS prices plus local PDN charges.

Nothing in this Schedule constitutes a representation that Scitor ITS can
provide Public X.28 service in all the above listed countries.

FINAL                        Schedule, Page 3, Amendment No.1             I-PASS
<PAGE>
                                 AMENDMENT NO. 2
                 TO THE MANAGED DATA NETWORK SERVICES AGREEMENT
                            NO. MDNS/US/IPAS/09/96/99
                                  ("AGREEMENT")
                BETWEEN EQUANT NETWORK SERVICES, INC. ("EQUANT")
                                       AND
                       I-PASS ALLIANCE, INC. ("CUSTOMER")

This Amendment No. 2 ("Amendment") is made by and between EQUANT and Customer
and shall be effective as of October 1, 1998 ("Effective Date").

In consideration of the covenants, premises and agreements set forth below, and
in consideration of those set forth in the Agreement, which this Amendment
supplements and modifies, the parties do hereby agree as follows:

1.       Year 2000 Compliance

         The Agreement is hereby amended by renumbering the existing Clause 7 as
         Clause 7.1 and inserting the following as new Clause 7.2:

                  "7.2 EQUANT warrants that all software (including the Software
                  and any firmware), hardware, networks and equipment (together
                  "Systems") over which it has Control (as defined below) used
                  in connection with the provision, running and operation of the
                  Service ("EQUANT Systems") will be Year 2000 Compliant (as
                  defined below) by December 31, 1998. In respect of relevant
                  Systems that EQUANT does not Control, including without
                  limitation, all relevant Systems operated by, or proprietary
                  to, telecommunications operators, EQUANT shall endeavor to
                  obtain a Year 2000 Compliance statement from the relevant
                  suppliers and shall advise Customer as to the results thereof
                  and thereafter keep Customer informed of changes in status.
                  EQUANT shall use reasonable endeavors to mitigate any fault in
                  the Service caused by the non-Year 2000 Compliance of any
                  Systems it does not Control, but shall not be liable to
                  Customer for any loss or damages in the event that any such
                  non-Year 2000 Compliance causes a fault in, or the
                  non-availability of, the Service.

                  7.2.1 Customer shall ensure that any of its programs or
                  Systems or data into which the Systems used in the provision,
                  running and operation of the Service will communicate or
                  integrate are Year 2000 Compliant.

                  7.2.2 EQUANT shall not be liable for any faults in or
                  non-availability of the Service or Systems provided under this
                  Agreement which arise out of non-Year 2000 Compliance except
                  to the extent expressly provide above. Furthermore, EQUANT
                  shall have no liability under the above warranty for any
                  breach arising from the use of non-Year 2000 Compliant Systems
                  or data with EQUANT Systems.

Amendment No. 2                    Page 1 of 5            I-Pass  Alliance, Inc.
                                 -CONFIDENTIAL-
<PAGE>
                  7.2.3 For the purposes of this Agreement, EQUANT shall be
                  deemed to "Control" a System if it (or any Associated Company
                  of EQUANT) operates (or has given the Customer the right to
                  use under this Agreement) and owns the intellectual property
                  rights to the System; and "Year 2000 Compliant/ce" means Year
                  2000 conformity as that term is defined in DISC PD2000-1
                  published by the British Standards Institution."

2.       EXCLUSIONS AND LIMITATIONS OF LIABILITY

         The Agreement is hereby amended by deleting Clause 10.3 in its entirety
         and substituting the following therefor:

         "EXCEPT FOR SHORTFALL CHARGES RESULTING FROM THE FAILURE TO SATISFY THE
         MINIMUM REVENUE COMMITMENTS SET FORTH IN ATTACHMENT 2, NEITHER PARTY
         SHALL BE LIABLE TO THE OTHER PARTY FOR ANY INCIDENTAL, SPECIAL,
         CONSEQUENTIAL OR PUNITIVE DAMAGES HOWSOEVER ARISING, INCLUDING BUT NOT
         LIMITED TO, ANY DAMAGES FOR LOST TIME, INCOME, REVENUE, CLIENTS'
         GOODWILL, PROFITS, OR OTHER SIMILAR ITEMS, OR ANY BUSINESS INTERRUPTION
         OF ANY KIND, EVEN IF THE OTHER PARTY HAS BEEN INFORMED OF THE
         POSSIBILITY OF SUCH DAMAGES IN ADVANCE."

3.       MINIMUM VOLUME COMMITMENT

         The Agreement is hereby amended by adding the following new Clause 8 to
         Attachment 2:

         "8.      MINIMUM VOLUME COMMITMENT

         During each "Commitment Period" specified below (as measured from the
         Effective Date of this Amendment), Customer shall satisfy the
         corresponding minimum volume commitment based on Customer's combined
         usage of X.25, X.28, and Remote LAN Access services (each such minimum
         volume commitment referred to as an "MVC"):

<TABLE>
<CAPTION>
                           Commitment Period                  MVC
                           -----------------                  ---
<S>                        <C>                                <C>
                           Months 1-3                         [ * ]
                           Months 4-15                        [ * ]
</TABLE>

         Each MVC shall be calculated after application of all discounts using
         Customer's monthly recurring Port, Dial Access, and Remote LAN Access
         service charges and usage charges set forth in this Attachment 2,
         excluding one-time charges, Tail Circuit Charges, Tail Circuit
         Management Charges, and CPE Charges ("Qualifying Charges").

         Should the actual Qualifying Charges invoiced to Customer during any
         Commitment Period be less than the applicable MVC ("Shortfall"), EQUANT
         shall invoice, and Customer shall pay, the Shortfall in accordance with
         Clause 9 of the Agreement.

Amendment No. 2                    Page 2 of 5            I-Pass  Alliance, Inc.
                                 -CONFIDENTIAL-

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>
         Alternatively, EQUANT and Customer may agree to extend the Initial Term
         for such a period so as to cover all or part of the Shortfall ("Grace
         Period"). Notwithstanding the foregoing, in no event shall the Grace
         Period exceed six (6) months. EQUANT shall invoice, and Customer shall
         pay, any Shortfall balance remaining at the end of the Grace Period in
         accordance with Clause 9 of the Agreement."

4.       PUBLIC X.28 CONNECTION CHARGES

         Attachment 2 of the Agreement is hereby amended by deleting the
         Schedule of Public X.28 Connection Charges in its entirety and
         substituting the following therefor:

         "SCHEDULE - PUBLIC X.28 CONNECTION CHARGES

<TABLE>
<CAPTION>
                                        FLAT CHARGE
                  ZONE                  PER HOUR ($)
<S>               <C>                   <C>
                  1                     [ * ]
                  2                     [ * ]
                  3                     [ * ]
                  4                     [ * ]
                  5                     [ * ]
                  6                     [ * ]
</TABLE>

Amendment No. 2                    Page 3 of 5            I-Pass  Alliance, Inc.
                                 -CONFIDENTIAL-

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>
         SCHEDULE - PUBLIC X.28 CONNECTION CHARGES (CONTINUED)

<TABLE>
<CAPTION>
                        FLAT CHARGE
         ZONE           PER HOUR($)
         ----           -----------
<S>                     <C>
               7        [ * ]
               8        [ * ]
               9        [ * ]
              10        [ * ]
              11        [ * ]
              12        [ * ]
              13        [ * ]
              14        [ * ]
</TABLE>

5.       ZONES

         Attachment 2 of the Agreement is hereby amended by deleting the
         Schedule of Zones in its entirety and substituting the following
         therefor:

                                     "ZONES

         * EQUANT PRICES PLUS LOCAL PUBLIC DATA NETWORK ("PDN") CHARGES

<TABLE>
<CAPTION>
         ZONE 1              ZONE 2      ZONE 3                 ZONE 4                 ZONE 5     ZONE 6     ZONE 7
         ------              ------      ------                 ------                 ------     ------     ------
<S>                         <C>        <C>          <C>        <C>         <C>        <C>         <C>      <C>
  Austria     Luxembourg    Denmark    Czech Rep.   Albania    Cyprus*     Romania     Canada     Mexico   Australia
  Belgium     Netherlands   Finland    Gibraltar    Armenia    Estonia      Russia    Puerto               Hong Kong
                                                                                        Rico
   France      Portugal      Norway      Greece    Azerbaijan  Georgia     Slovakia      USA                 Japan
  Germany        Spain       Sweden     Hungary     Belarus    Iceland     Slovenia                        Malaysia*
  Ireland     Switzerland                Israel     Bosnia    Kazakhstan   Ukraine                         New Zealand
   Italy          UK                     Malta     Herzegovina  Latvia    Uzbekistan                        S. Korea
                                         Poland    Bulgaria   Lithuania   Yugoslavia                       Singapore
                                         Turkey     Croatia   Macedonia                                      Taiwan
</TABLE>

<TABLE>
<CAPTION>
   ZONE 8       ZONE 9      ZONE 10           ZONE 11                 ZONE 12                     ZONE 13
   ------       ------      -------           -------                 -------                     -------
<S>           <C>           <C>         <C>                    <C>                     <C>
    Guam      Bangladesh     Egypt      Algeria      Oman      Argentina    Ecuador    Bahamas  Domenican    Panama
   India        China*      Morocco     Bahrain    Pakistan     Bolivia    El          Barbados Republic    Paraguay
                                                                            Salvador
 Indonesia     Sri Lanka     South      Jordan*      Qatar       Brazil    Guatemala   Bermuda    Haiti     Uruguay
Philippines                  Africa      Kenya       Saudi       Chile      Honduras   Cayman    Jamaica     Virgin
                                                     Arabia*
 Thailand*                  Tunisia     Kuwait*      Syria      Colombia   Nicaragua   Islands  Netherland  Islands
                                                                                                              (US)

                                        Lebanon       UAE      Costa          Peru      Cuba    Antilles
                                                                 Rica*
                                                                           Venezuela
</TABLE>

ZONE 14 (REST OF WORLD): Angola, Antigua & Barbuda, Aruba, Benin, Botswana,
Cambodia, Cameroon, Cape Verde, Congo, Cote d'lvoire, French Polynesia, Gabon.
Ghana. Grenada, Guadeloupe, Guinea, Guyana. Laos. Macao, Malawi, Marshall
Islands, Martinique, Mauritius, Moldova, Mozambique, Namibia, Nepal, New
Caledonia. Nigeria. Northern Mariana Islands. Papua New Guinea. Saint Kitts and
Nevis, Saint Lucia, Saint Vincent and the Grenadines. Samoa. Senegal, Sierra
Leone, Surinam, Tanzania, Trinidad & Tobago, Turks and Caicos Islands, Uganda.
Vietnam. Zaire, Zimbabwe

EQUANT does not represent or warrant that it can provide the Service in the
above countries."

Amendment No. 2                    Page 4 of 5            I-Pass  Alliance, Inc.
                                 -CONFIDENTIAL-

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>
All other terms and conditions are as set forth in the Agreement shall remain in
full force and effect.

This Amendment, including the Agreement and applicable Order Forms, is the
complete agreement of the parties and supersedes any prior agreements or
representations, whether written or oral, with respect thereto.

Customer and EQUANT each represent to the other that it has due and proper
authority to enter into this Amendment to the Agreement and to make and perform
all duties and obligations set forth and contemplated by this Amendment.

IN WITNESS WHEREOF, this Amendment was entered into as of the dates set forth
below, effective as of the Effective Date.

EQUANT NETWORK SERVICES, INC.                I-PASS ALLIANCE, INC.

By: /s/ B. J. Borensen                       By: /s/ Chris Moore
    ------------------                          --------------------------------

Printed Name: B. J. Borensen                 Printed Name:     Chris Moore
              ---------------------                        ---------------------

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

Dated:   10/19/98                            Dated:   9/25/98
         --------------------------                 ----------------------------

Amendment No. 2                    Page 5 of 5            I-Pass  Alliance, Inc.
                                 -CONFIDENTIAL-
<PAGE>
                                 AMENDMENT NO. 3
                 TO THE MANAGED DATA NETWORK SERVICES AGREEMENT

                            NO. MDNS/US/IPAS/09/96/99
                                  ("AGREEMENT")

                BETWEEN EQUANT NETWORK SERVICES, INC. ("EQUANT")

                                       AND

                       I-PASS ALLIANCE, INC. ("CUSTOMER")

This Amendment No. 3 ("Amendment") is made by and between EQUANT and Customer
and shall be effective as of October 1, 1998 ("Effective Date").

In consideration of the covenants, premises and agreements set forth below, and
in consideration of those set forth in the Agreement, which this Amendment
supplements and modifies, the parties do hereby agree as follows:

1.       MINIMUM VOLUME COMMITMENT

         The Agreement is hereby amended by adding the following new Clause 8 to
         Attachment 2:

         "8.  MINIMUM VOLUME COMMITMENT

         During each "Commitment Period" specified below (as measured from the
         Effective Date of this Amendment), Customer shall satisfy the
         corresponding minimum volume commitment based on Customer's combined
         usage of X.25, X.28, and Remote LAN Access services (each such minimum
         volume commitment referred to as an "MVC"):

<TABLE>
<CAPTION>
                         Commitment Period                  MVC
                         -----------------                  ---
<S>                      <C>                                <C>
                         Months 1-3                         [ * ]
                         Months 4-6                         [ * ]
                         Months 7-12                        [ * ]
                         Months 13-18                       [ * ]
</TABLE>

         Each MVC shall be calculated after application of all discounts using
         Customer's monthly recurring Port, Dial Access, and Remote LAN Access
         service charges and usage charges set forth in this Attachment 2,
         excluding one-time charges, Tail Circuit Charges, Tail Circuit
         Management Charges, and CPE Charges ("Qualifying Charges").

         Should the actual Qualifying Charges invoiced to Customer during any
         Commitment Period be less than the applicable MVC ("Shortfall"), EQUANT
         shall invoice, and Customer shall pay, the Shortfall in accordance with
         Clause 9 of the Agreement.

Amendment No. 3                    Page 1                 I-Pass  Alliance, Inc.
                                 -CONFIDENTIAL-

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>
         Alternatively, EQUANT and Customer may agree to extend the Initial Term
         for such a period so as to cover all or part of the Shortfall ("Grace
         Period"). Notwithstanding the foregoing, in no event shall the Grace
         Period exceed six (6) months. EQUANT shall invoice, and Customer shall
         pay, any Shortfall balance remaining at the end of the Grace Period in
         accordance with Clause 9 of the Agreement."

All other terms and conditions are as set forth in the Agreement shall remain in
full force and effect.

This Amendment, including the Agreement, and applicable Order Forms, is the
complete agreement of the parties and supersedes any prior agreements or
representations, whether written or oral, with respect thereto.

Customer and EQUANT each represent to the other that it has due and proper
authority to enter into this Amendment to the Agreement and to make and perform
all duties and obligations set forth and contemplated by this Amendment.

IN WITNESS WHEREOF, this Amendment was entered into as of the dates set forth
below, effective as of the Effective Date.

EQUANT NETWORK SERVICES, INC.                I-PASS ALLIANCE, INC.

By: /s/ Jim Wilkes                           By: /s/ Ronald Calandra
   --------------------------------             --------------------------------

Printed Name: Jim Wilkes                     Printed Name: Ronald Calandra
             ----------------------                       ----------------------

Title: Sr. VP                                Title: V.P. Operations
      -----------------------------                -----------------------------

Dated:                                       Dated: 6-2-99
      -----------------------------                -----------------------------

Amendment No. 3                    Page 2                 I-Pass  Alliance, Inc.
                                 -CONFIDENTIAL-
<PAGE>
                                 AMENDMENT NO. 4
                 TO THE MANAGED DATA NETWORK SERVICES AGREEMENT

                            NO. MDNS/US/IPAS/09/96/99

THIS AMENDMENT NO. 4 to the Managed Data Network Services Agreement No.
MDNS/US/IPAS/09/96/99 ("AMENDMENT") is made by and between EQUANT NETWORK
SERVICES, INC. ("EQUANT") and I-PASS ALLIANCE, INC. ("CUSTOMER"), and shall be
effective as of December 1, 1999 ("Effective Date").

Customer and Equant entered into that certain Managed Data Network Services
Agreement Number MIDNS/US/IPAS/09/96/99 executed by Customer on September 17,
1996, (the "MDNSA"), Amendment No. 1 to the MDNSA executed by Customer on
December 30, 1996, Amendment No. 2 to the MDNSA effective on October 1, 1998 and
Amendment No. 3 to the MDNSA effective October 1, 1998 (all of the above being
the "AGREEMENT"); and

Customer and Equant desire to amend the Agreement to reflect certain changes;

NOW, in accordance with the procedures for amendment of the Agreement set forth
in Section 15.8 of the NMNSA and in consideration of the premises, the terms and
conditions set forth below, and other good and valuable consideration, the
sufficiency of which is hereby acknowledged, the parties do hereby agree as
follows:

1.       X.28 AND PPP DIAL DISCOUNTS

         Effective as of the December 1999 monthly billing cycle, Customer will
         be entitled to a discount of [ * ] against all monthly X.28 and PPP
         Dial charges incurred that are in excess of [ * ] a month and
         additional host access facilities, that is, X.25 ports/circuit/LANAS
         routers) will be provided free of charge.

2.       ENTIRE AGREEMENT

         Except as expressly modified by this Amendment, the Agreement shall
         remain in full force and effect according to its terms. This Amendment,
         including the Agreement and applicable Order Forms, is the complete
         agreement of the parties and supersedes any prior agreements or
         representations, whether written or oral, with respect to the subject
         matter hereto.

         The discounts set forth in this Amendment shall be contingent upon
         Customer's payment of the outstanding balance due as of September 1999
         on its account of [ * ], no later than three (3) months from the
         Effective Date of this Amendment.

Draft-Subject to Business &        Page 1 of 2                            I-Pass
Legal Review                     -CONFIDENTIAL-

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>
IN WITNESS WHEREOF, this Amendment was entered into as of the dates set forth
below, effective as of the Effective Date.

EQUANT SERVICES, INC.                        I-PASS ALLIANCE, INC.

By: /s/ Jim Wilkes                           By: /s/ Ronald Calandra
   --------------------------------              -------------------------------
Printed Name: Jim Wilkes                     Printed Name: Ron Calandra
              ---------------------                        ---------------------
Title: Senior Vice President                 Title: Vice President, Operations
       ----------------------------                 ----------------------------
Date: January 18, 2000                       Date: December 15, 1999
      -----------------------------                -----------------------------

Draft-Subject to Business &        Page 2 of 2                            I-Pass
Legal Review                     -CONFIDENTIAL-
<PAGE>
                                 AMENDMENT NO. 5
                 TO THE MANAGED DATA NETWORK SERVICES AGREEMENT
                            NO. MDNS/US/IPAS/09/96/99

This Amendment No. 5 to the Managed Data Network Services Agreement No.
MDNS/US/EPAS/09/96/99 ("AMENDMENT") is made by and between EQUANT NETWORK
SERVICES, INC. ("EQUANT") and I-PASS ALLIANCE, INC. ("CUSTOMER"), and shall be
effective as of February 4, 2000 ("EFFECTIVE DATE").

Customer and Equant entered into that certain Managed Data Network Services
Agreement Number MDNS/US/IPAS/09/96/99 executed by Customer on September 17,
1996, (the "MDNSA"), Amendment No. 1 to the NMNSA executed by Customer on
December 30, 1996 ("AMENDMENT 1"), Amendment No. 2 to the MDNSA effective on
October 1, 1998 ("AMENDMENT 2"), Amendment No. 3 to the MDNSA effective October
1, 1998 ("AMENDMENT 3") and Amendment 4 to the MDNSA effective December 1, 1999
("AMENDMENT 4") (all of the above being the "AGREEMENT"); and

WHEREAS, Customer and Equant desire to amend the Agreement to reflect certain
changes;

WHEREAS, Customer has changed its name to iPass, Inc.;

NOW, in accordance with the procedures for amendment of the Agreement set forth
in Section 15.8 of the MDNSA and in consideration of the premises, the terms and
conditions set forth below, and other good and valuable consideration, the
sufficiency of which is hereby acknowledged, the parties do hereby agree as
follows:

1.       DEFINITIONS

All capitalized terms used in this Amendment shall have the respective meanings
given to such terms in the Agreement unless otherwise set forth in this
Amendment.

2.       MODIFIED SCOPE OF AGREEMENT

Notwithstanding anything contained in the Agreement to the contrary, Customer
will be permitted to use the Network for the limited purpose of transporting
data from it's customers, including internet service providers, to Customer's
internet gateway.

3.       EXTENSION OF INITIAL TERM

The Initial Term of the Agreement is hereby extended for a period of forty-eight
(48) months from the Effective Date of this Amendment.

4.       MINIMUM VOLUME COMMITMENT & DISCOUNTS

Customer has met and/or exceeded all prior Minimum Volume Commitments as that
term is defined in Amendments 2 and 3. Customer agrees to commit to the
following new Minimum

FINAL                              Page 1 of 3                           I-Pass
                                 -CONFIDENTIAL-
<PAGE>
Revenue Commitment from the Effective Date of this Amendment. Accordingly, the
Agreement is hereby amended by adding the following new Clause 8 to Attachment
2:

"8.      Minimum Volume Commitment

8.1      During each "Commitment Period" specified below (as measured from the
         Effective Date of this Amendment), Customer shall satisfy the
         corresponding minimum volume commitment based on Customer's combined
         usage of X.25, X.28, and Remote LAN Access services (each such "minimum
         volume commitment" will be referred to herein as an "MVC"):
<TABLE>
<CAPTION>
         COMMITMENT PERIOD                      MVC
         -----------------                      ---
<S>                                           <C>
          Months 1 to 12                      [ * ]
          Months 13 to 24                     [ * ]
          Months 25 to 36                     [ * ]
          Months 37 to 48                     [ * ]
</TABLE>

         Each WC shall be calculated after application of all discounts using
         Customer's monthly recurring Port, Dial Access, and Remote LAN Access
         service charges and usage charges set forth in this Attachment 2,
         excluding one-time charges, Tail Circuit Charges, Tail Circuit
         Management Charges, and CPE Charges ("QUALIFYING CHARGES").

         Should the actual Qualifying Charges invoiced to Customer during any
         Commitment Period be less than the applicable MVC ("SHORTFALL"), Equant
         shall invoice, and Customer shall pay, the Shortfall at the end of the
         applicable Commitment Period that such Shortfall occurred in accordance
         with Clause 9 of the Agreement.

8.2      Equant will provide any additional new host access facilities, that is,
         X.25 ports/circuit/LANAS routers) free of charge, provided however that
         Customer has met and/or exceeded the MVCs as set forth herein."

5.       PUBLIC X.28 CONNECTION CHARGES

Clause 4 of Amendment 2 is hereby amended by deleting the Schedule of Public
X.28 Connection Charges in its entirety and substituting the following therefor:

         "SCHEDULE - PUBLIC X.28 CONNECTION CHARGES"

<TABLE>
<CAPTION>
                  Flat Charge

                  Zone              per Hour ($)
<S>               <C>               <C>
                  1                 [ * ]
                  2                 [ * ]
                  3                 [ * ]
                  4                 [ * ]
                  5                 [ * ]
                  6                 [ * ]
                  7                 [ * ]
                  8                 [ * ]
                  9                 [ * ]
</TABLE>

FINAL                              Page 2 of 3                           I-Pass
                                 -CONFIDENTIAL-

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>
<TABLE>
<S>               <C>               <C>
                  10                [ * ]
                  12                [ * ]
                  13                [ * ]
                  14                [ * ]
</TABLE>

6.       ZONES

Clause 5 of Amendment 2 is hereby amended by deleting the Schedule of Zones in
its entirety and substituting the revised Schedule of Zones attached to this
Amendment as Attachment 2.

7.       ENTIRE AGREEMENT

Except as expressly modified by this Amendment, the Agreement shall remain in
full force and effect according to its terms. This Amendment, including the
Agreement and applicable Order Forms, is the complete agreement of the parties
and supersedes any prior agreements or representations, whether written or oral,
with respect to the subject matter hereto, including Amendment 4.

Provided this Amendment is accepted and executed by Equant, all charges,
discounts or rates set forth in this Amendment shall be effective beginning with
the first full billing cycle following Customer's execution and delivery of this
Amendment to Equant unless expressly stated otherwise.

IN WITNESS WHEREOF, this Amendment was entered into as of the dates set forth
below, effective as of the Effective Date.

EQUANT NETWORK SERVICES, INC.                iPASS, INC.

By: /s/ Jim Wilkes                           By: /s/ Michael Mansouri
    -------------------------------              -------------------------------
Printed Name: J. C. Wilkes                   Printed Name: Michael Mansouri
             ----------------------                       ----------------------
Title: S.V.P. Americas                       Title: Chairman & CEO
       ----------------------------                 ----------------------------
Dated: 2-16-00                               Dated: February 4, 2000
      -----------------------------                 ----------------------------

FINAL                              Page 3 of 3                            I-Pass
                                 -CONFIDENTIAL-

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>
                                 AMENDMENT NO. 6
                 TO THE MANAGED DATA NETWORK SERVICES AGREEMENT
                            NO. MDNS/US/IPAS/09/96/99

This Amendment No. 6 to the Managed Date Network Services Agreement No.
MDNS/US/IPAS/09/96/99 ("AMENDMENT") is made by and between Equant Network
Services, Inc. ("EQUANT") and iPass Inc. F/K/A i-Pass Alliance, Inc.
("Customer"), and shall be effective as of February 21, 2002 ("EFFECTIVE DATE").

WHEREAS, Customer and Equant entered into that certain Managed Date Network
Services Agreement No. MDNS/US/IPAS/09/96/99 executed by Customer on September
17, 1996 (the "MDNSA"), that certain Amendment No. 1 to the MDNSA executed by
Customer on December 30, 1996 ("AMENDMENT 1"), that certain Amendment No. 2 to
the MDNSA effective on October 1, 1998 ("AMENDMENT 2"), that certain Amendment
No. 3 to the MDNSA effective on October 1, 1998 ("AMENDMENT 3"), that certain
Amendment No. 4 to the MDNSA effective on December 1, 1999 ("AMENDMENT 4"), that
certain Amendment No. 5 to the MDNSA effective on February 4, 2000 ("AMENDMENT
5") (all of the above being the "AGREEMENT"); and

WHEREAS, Customer and Equant desire to amend the Agreement to reflect certain
changes.

NOW, THEREFORE, in accordance with the procedures for amendment of the Agreement
set forth in Section 15.8 of the MDNSA and in consideration of the mutual
promises contained herein and other good and valuable consideration, the
sufficiency of which is hereby acknowledged, the parties doe hereby agree as
follows:

1.   DEFINITIONS

All capitalized terms used in the Amendment shall have the respective meanings
given to such terms in the Agreement unless otherwise set forth in this
Amendment.

2.   MINIMUM VOLUME COMMITMENT.

The Agreement is hereby amended to add a new Clause 9 to Attachment 2:

"9.  ADDITIONAL CHARGES APPLICABLE TO THE MINIMUM VOLUME COMMITMENT.

9.1 Each MVC shall be calculated after application of all discounts using
Customer's monthly recurring Port, Dial Access, Collocation or Equipment Hosting
charges, Remote LAN Access services charges and usage charges set forth in this
Attachment 2, excluding one time charges, Tail Circuit Charges, Tail Circuit
Management Charges, and CPE Charges ("Qualifying Charges").

9.2 Customer's services fees invoiced under the Master Agreement for Global One
Business Communications Services, Master Agreement No. 01/03/79, between iPass
Inc. and Global One Communications Holding Limited, dated March 29, 2001 shall
be included within the other

                           iPASS/EQUANT CONFIDENTIAL
                                      1
<PAGE>
Qualifying Charges for the Months 13 to 24, Months 25 to 36, and Months 37 to 48
Commitment Periods.

3.   ENTIRE AGREEMENT

Except as expressly modified by this Amendment, the Agreement shall remain in
full force and effect according to its terms.

IN WITNESS WHEREOF, this Amendment was entered into as of the dates set forth
below, effective as of the Effective Date.

   EQUANT NETWORK SERVICES, INC.                 iPASS INC.

BY: /s/  Bruce W. Smith                      BY:  /s/  Donald C. McCauley
    -------------------------------             --------------------------------
Name:  Bruce Smith                           Name:  Donald C. McCauley
     ------------------------------                -----------------------------

Title:  Sr VP                                Title:  CFO
      -----------------------------                -----------------------------

Dated:  8/1/02                               Dated:  March 29, 2002
      -----------------------------                -----------------------------

                           iPASS/EQUANT CONFIDENTIAL
                                      2

<PAGE>

                                 AMENDMENT NO. 7
                 TO THE MANAGED DATA NETWORK SERVICES AGREEMENT
                            NO. MDNS/US/IPAS/09/96/99

This Amendment No. 7 to the Managed Data Network Services Agreement No.
MDNS/US/IPAS/09/96/99 ("AMENDMENT") is made by and between Equant Inc. F/K/A
Equant Network Services, Inc. ("EQUANT") and iPass Inc. F/K/A i-Pass Alliance,
Inc. ("CUSTOMER"), and shall be effective as of June 26, 2002 ("EFFECTIVE
DATE").

WHEREAS, Customer and Equant entered into that certain Managed Data Network
Services Agreement No. MDNS/US/IPAS/09/96/99 executed by Customer on September
17, 1996 (the "MDNSA"), that certain Amendment No. 1 to the MDNSA executed by
Customer on December 30, 1996 ("AMENDMENT 1"), that certain Amendment No. 2 to
the MDNSA effective on October 1, 1998 ("AMENDMENT 2"), that certain Amendment
No. 3 to the MDNSA effective on October 1, 1998 ("AMENDMENT 3"), that certain
Amendment No. 4 to the MDNSA effective on December 1, 1999 ("AMENDMENT 4"), that
certain Amendment No. 5 to the MDNSA effective on February 4, 2000 ("AMENDMENT
5") and that certain Amendment No. 6 to the MDNSA effective on February 21, 2002
("AMENDMENT 6") (all of the above being the "Agreement"); and

WHEREAS, Customer and Equant desire to amend the Agreement to reflect certain
changes, including clarification of the regulatory restrictions with respect to
utilization of the Network.

NOW, THEREFORE, in accordance with the procedures for amendment of the Agreement
set forth in Section 15.8 of the Agreement and in consideration of the mutual
promises contained herein and other good and valuable consideration, the
sufficiency of which is hereby acknowledged, the parties do hereby agree as
follows:

1.       DEFINITIONS.

The following definitions shall be added to Clause 1 of the Agreement:

         "CORPORATE CUSTOMER" shall mean an organization that purchases the
         Services from Customer for use by that organization's employees and/or
         agents.

         "CORPORATE END USER" shall mean 1) an employee or an agent of a
         Corporate Customer which connects via modem or ISDN call to a Node for
         the purpose of using the Services or 2) a machine managed by a
         Corporate Customer which connects via modem or ISDN call to a Node for
         the purpose of using the Services.

         "CORPORATE INTRA-CORPORATE SERVICE USE" shall mean use of the Services
         to deliver data to and from Corporate End Users explicitly for the
         purpose of accessing internal corporate resources on the Corporate
         Customer's private network. This includes data that is encapsulated in
         order to provide access for Corporate End Users to the Corporate
         Customer's private network and which may use the public Internet solely
         as a transport to facilitate such access.

         "CORPORATE INTERNET SERVICE USE" shall mean use of the Services to
         facilitate connection to the public Internet by Corporate End Users.

                        iPASS/EQUANT CONFIDENTIAL - FINAL
                                       1
<PAGE>

         "END USER" shall mean a Corporate End User and/or an ISP End User.

         "ISP CUSTOMER" shall mean an organization that purchases the Services
         from the reseller whose business is facilitating connections to/from
         the public Internet or delivering content to/from the public Internet
         other than for Corporate Intra-Corporate Service Use or Corporate
         Internet Service Use.

         "ISP END USER" shall mean any person or machine who is not a Corporate
         End User and who connects via modem or ISDN call to a Node for the
         purpose of using the Services to reach the public Internet.

         "ISP SERVICE USE" shall mean use of the Services to provide connection
         between ISP End Users and the public Internet.

The definition for Node and SITA in the Agreement shall be deleted and replaced
in its entirety with the following:

         "NODE" shall mean a node of the Network to which Customer is connected
         via a Tail Circuit or to which Customer dials in, such nodes being
         deployed at such times and places as determined by Equant.

         "SITA" shall mean Societe Internationale de Telecommunications
         Aeronautiques and its subsidiaries.

All other capitalized terms used in the Amendment shall have the respective
meanings given to such terms in the Agreement unless otherwise set forth in this
Amendment.

2.       SCOPE AND PURPOSE OF AGREEMENT.

Clause 2 of the Agreement shall be amended by the addition of the following
provisions:

         "Due to constantly changing regulatory restrictions, Equant does not
         represent or warrant that it can provide, or will be able to continue
         to provide, the Services in any particular country. Further, Customer
         understands that regulatory restrictions apply to the provision of the
         Services on a country by country basis and that these may differ
         dependent on the category of End User as detailed in the Tables
         attached to Attachment 1 to this Agreement ("Tables"). Customer agrees
         to comply with any restrictions imposed from time to time by
         appropriate governmental authorities upon Equant that limit or prevent
         the provision to Customer or Customer's provision of the Services to
         End Users as provided for herein. Due to compelling local legal
         requirements, Equant may require Customer to deter any End User from
         directly accessing the public Internet from certain Nodes. Equant shall
         ensure that the list of approved countries set forth in the Tables is
         complete and current, and will provide Customer with reasonable advance
         notice of any changes. In the event Equant requires Customer and/or any
         End User to deter, and/or cease, access to the public Internet from a
         material number of Nodes directly as a result of the foregoing,
         Customer shall have the right to reduce its Minimum Volume Commitment
         by an amount proportionate to the Service affected by such deterrence,
         but only to the extent that Customer's actual volume of traffic has
         been impacted. For the purposes of this Agreement, a "material number
         of Nodes" shall mean any number of Nodes which has a cumulative effect
         on Customer's Minimum Volume Commitment by more than [ * ].

                        iPASS/EQUANT CONFIDENTIAL - FINAL

                                       2

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>

         Customer shall make all technically and commercially reasonable efforts
         to filter attempted direct connections for traffic to those of its PPP
         gateways that are directly connected to the public Internet when such
         connections originate from a Node in a country where Internet access is
         barred as a result of compelling local legal requirements as determined
         by Equant. Customer will not be required to filter any attempted direct
         connections for traffic to those of its PPP gateways that are directly
         connected to the public Internet in countries listed in Tables 2 and 3
         where the use of the Service is approved for Corporate Internet Service
         Use and/or ISP Service Use, respectively. Equant understands and agrees
         that End User will be permitted to obtain direct connections from any
         approved country Node, as detailed in the Tables, to a corporate
         network or Intranet, even when such connections result in subsequent
         connections to the public Internet. Customer agrees to cooperate with
         Equant in response to any government inquiry regarding the use of the
         Network for Corporate Intra-Corporate Data Use in those countries that
         prohibit the use of the Services for public Internet access, provided
         that Customer shall not be obligated by Equant to disclose Confidential
         Information or proprietary information of Customer or its End Users."

3.       UNIVERSAL SERVICE FUND FEES.

Clause 9.2 of the Agreement shall be deleted in its entirety and replaced with
the following:

"9.2     All charges set out in this Agreement are exclusive of value added tax,
         sales tax, excise tax, gross receipts tax, withholding tax, universal
         service fund fee, and any similar tax or any government imposed
         surcharge which may be applicable thereto and Customer agrees to pay
         all such applicable taxes."

4.       EQUANT'S ADDRESS.

The location of Equant's principal place of business has changed. The new
address is as follows: 400 Galleria Parkway, Tower 400, Atlanta, Georgia 30339,
which shall be the new address for purposes of providing notice in accordance
with Clause 15.1 of the Agreement.

5.       ENTIRE AGREEMENT.

Except as expressly modified by this Amendment, the Agreement shall remain in
full force and effect according to its terms.

                        iPASS/EQUANT CONFIDENTIAL - FINAL
                                       3
<PAGE>

IN WITNESS WHEREOF, this Amendment was entered into as of the dates set forth
below, effective as of the Effective Date.

     EQUANT NETWORK SERVICES, INC.              iPASS INC.

By:  /s/  Bruce W. Smith                   By:  /s/  Kenneth D. Denman
     -----------------------------              -------------------------------
Name:  Bruce W. Smith                      Name:  Kenneth D. Denman
Title:  Sr VP                              Title:  CEO
Dated:  7/25/02                            Dated:  07/03/02

                        iPASS/EQUANT CONFIDENTIAL - FINAL
                                       4
<PAGE>

                             TABLE 1 TO ATTACHMENT 1

   EQUANT NODES BY COUNTRY WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
      FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF JUNE 1, 2002 AND IS SUBJECT TO CHANGE WITHOUT
NOTICE.

TIRANA                                             ALBANIA
ALGIERS                                            ALGERIA
PAGO PAGO                                          AMERICAN SAMOA
BUENOS AIRES                                       ARGENTINA
CORDOBA                                            ARGENTINA
LA PLATA                                           ARGENTINA
MAR DEL PLATA                                      ARGENTINA
MENDOZA                                            ARGENTINA
ROSARIO                                            ARGENTINA
YEREVAN                                            ARMENIA
ADELAIDE                                           AUSTRALIA
BRISBANE                                           AUSTRALIA
MELBOURNE                                          AUSTRALIA
PERTH                                              AUSTRALIA
SYDNEY                                             AUSTRALIA
GRAZ                                               AUSTRIA
LINZ                                               AUSTRIA
SALZBURG                                           AUSTRIA
VIENNA                                             AUSTRIA
BAKU                                               AZERBAIJAN
NASSAU                                             BAHAMAS
BAHRAIN                                            BAHRAIN
DHAKA                                              BANGLADESH
ANTWERP                                            BELGIUM
BRUGES                                             BELGIUM
BRUSSELS                                           BELGIUM
CHARLEROI                                          BELGIUM
GHENT                                              BELGIUM
HASSELT                                            BELGIUM
KORTRIJK                                           BELGIUM
LIEGE                                              BELGIUM
COCHABAMBA                                         BOLIVIA
LA PAZ                                             BOLIVIA
SANTA CRUZ                                         BOLIVIA
SARAJEVO                                           BOSNIA HERZEGOVINA
GABORONE                                           BOTSWANA
BELEM                                              BRAZIL
BELO HORIZONTE                                     BRAZIL
BRASILIA                                           BRAZIL
CAMPINAS                                           BRAZIL
CURITIBA                                           BRAZIL
FLORIANOPOLIS                                      BRAZIL
MANAUS                                             BRAZIL
PORTO ALEGRE                                       BRAZIL

                        iPASS/EQUANT CONFIDENTIAL - FINAL
                                       5
<PAGE>

                       TABLE 1 TO ATTACHMENT 1 (CONTINUED)

   EQUANT NODES BY COUNTRY WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF JUNE 1, 2002 AND IS SUBJECT TO CHANGE WITHOUT
NOTICE.

RECIFE                                             BRAZIL
RIO DE JANIERO                                     BRAZIL
SALVADOR                                           BRAZIL
SAO PAULO                                          BRAZIL
BOURGAS                                            BULGARIA
VARNA                                              BULGARIA
VRAJDEBNA                                          BULGARIA
OUAGADOUGOU                                        BURKMA FASO
PHNOM PENH                                         CAMBODIA
DOUALA                                             CAMEROON
YAOUNDE                                            CAMEROON
CALGARY                                            CANADA
MONTREAL                                           CANADA
VANCOUVER                                          CANADA
PRAIA                                              CAPE VERDE
ANTOFAGASTA                                        CHILE
CONCEPCION                                         CHILE
IQUIQUE                                            CHILE
LA SERENA                                          CHILE
PUNTA ARENAS                                       CHILE
SANTIAGO                                           CHILE
BEIJING                                            CHINA
GUANGZHOU                                          CHINA
SHANGHAI                                           CHINA
BARRANQUILLA                                       COLOMBIA
BOGOTA                                             COLOMBIA
CALI                                               COLOMBIA
CARTEGENA                                          COLOMBIA
MEDELLIN                                           COLOMBIA
BRAZZAVILLE                                        CONGO
KINSHASA                                           CONGO
POINT NOIRE                                        CONGO
SAN JOSE                                           COSTA RICA
ABIDJAN                                            COTE D'IVOIRE
DUBROVNIK                                          CROATIA
RIJEKA                                             CROATIA
SPLIT                                              CROATIA
ZAGREB                                             CROATIA
NICOSIA                                            CYPRUS
BRNO                                               CZECH REPUBLIC
OLOMOUC                                            CZECH REPUBLIC
OSTRAVA                                            CZECH REPUBLIC
PRAGUE                                             CZECH REPUBLIC

                        iPASS/EQUANT CONFIDENTIAL - FINAL
                                       6
<PAGE>

                       TABLE 1 TO ATTACHMENT 1 (CONTINUED)

   EQUANT NODES BY COUNTRY WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF JUNE 1, 2002 AND IS SUBJECT TO CHANGE WITHOUT
NOTICE.

ZLIN                                               CZECH REPUBLIC
AARHUS                                             DENMARK
COPENHAGEN                                         DENMARK
SANTO DOMINGO                                      DOMINICAN REPUBLIC
GUAYAQUIL                                          ECUADOR
QUITO                                              ECUADOR
ALEXANDRIA                                         EGYPT
CAIRO                                              EGYPT
HURGHADA                                           EGYPT
LUXOR                                              EGYPT
SHARM EL SHEIKH                                    EGYPT
SAN SALVADOR                                       EL SALVADOR
TALLINN                                            ESTONIA
ASMARA                                             ENTREA
HELSINKI                                           FINLAND
MARSEILLE                                          FRANCE
NANTES                                             FRANCE
NICE                                               FRANCE
PARIS                                              FRANCE
TOULOUSE                                           FRANCE
TBILISI                                            GEORGIA
ACCRA                                              GHANA
AACHEN                                             GERMANY
AUGSBURG                                           GERMANY
BERLIN                                             GERMANY
BONN                                               GERMANY
BREMEN                                             GERMANY
COLOGNE                                            GERMANY
DARMSTADT                                          GERMANY
DRESDEN                                            GERMANY
DUESSELDORF                                        GERMANY
ESSEN                                              GERMANY
FRANKFURT                                          GERMANY
FREIBURG                                           GERMANY
HAMBURG                                            GERMANY
HANOVER                                            GERMANY
KARLSRUHE                                          GERMANY
KASSEL                                             GERMANY
KELSTERBACH                                        GERMANY
KIEL                                               GERMANY
LEIPZIG                                            GERMANY
LUEBECK                                            GERMANY
MANNHEIM                                           GERMANY
MOENCHENGLADBACH                                   GERMANY

                        iPASS/EQUANT CONFIDENTIAL - FINAL
                                       7
<PAGE>

                       TABLE 1 TO ATTACHMENT 1 (CONTINUED)

   EQUANT NODES BY COUNTRY WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF JUNE 1, 2002 AND IS SUBJECT TO CHANGE WITHOUT
NOTICE.

MUNICH                                             GERMANY
NUREMBERG                                          GERMANY
ROSTOCK LAAGE                                      GERMANY
SAARBRUECKEN                                       GERMANY
STUTTGART                                          GERMANY
WUERZBURG                                          GERMANY
GIBRALTAR                                          GIBRALTAR
ATHENS                                             GREECE
HERAKLION                                          GREECE
IOANNINA                                           GREECE
KAVALA                                             GREECE
KERKYRA                                            GREECE
PATRAS                                             GREECE
RHODES                                             GREECE
THESSALONIKI                                       GREECE
POINT A PITRE                                      GUADELOUPE
GUAM                                               GUAM
GUATEMALA CITY                                     GUATEMALA
CONAKRY                                            GUINEA
PORT AU PRINCE                                     HAITI
SAN PEDRO SULA                                     HONDURAS
TEGUCIGALPA                                        HONDURAS
HONG KONG                                          HONG KONG
BUDAPEST                                           HUNGARY
GYOR                                               HUNGARY
REYKJAVIK                                          ICELAND
MUMBAI & DELHI                                     INDIA
DENPASAR BALI                                      INDONESIA
JAKARTA                                            INDONESIA
SURABAYA                                           INDONESIA
CORK                                               IRELAND
DUBLIN                                             IRELAND
SHANNON                                            IRELAND
TELA VIV YAFO                                      ISRAEL
BARI                                               ITALY
BOLOGNA                                            ITALY
BOLZANO                                            ITALY
CATANIA                                            ITALY
FLORENCE                                           ITALY
GENOA                                              ITALY
MILAN                                              ITALY
NAPLES                                             ITALY
PADOVA                                             ITALY
PALERMO                                            ITALY

                        iPASS/EQUANT CONFIDENTIAL - FINAL
                                       8
<PAGE>

                       TABLE 1 TO ATTACHMENT 1 (CONTINUED)

   EQUANT NODES BY COUNTRY WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF JUNE 1, 2002 AND IS SUBJECT TO CHANGE WITHOUT
NOTICE.

PARMA                                              ITALY
PERUGIA                                            ITALY
RIMINI                                             ITALY
ROME                                               ITALY
TURIN                                              ITALY
UDINE                                              ITALY
VENICE                                             ITALY
VERONA                                             ITALY
VICENZA                                            ITALY
FUKUOKA                                            JAPAN
HIROSHIMA                                          JAPAN
NAGOYA                                             JAPAN
OKINAWA                                            JAPAN
OSAKA                                              JAPAN
SAPPORO                                            JAPAN
SENDAI                                             JAPAN
TOKYO                                              JAPAN
AMMAN                                              JORDAN
ALMATY                                             KAZAKHSTAN
MOMBASA                                            KENYA
NAIROBI                                            KENYA
PUSAN                                              KOREA
SEOUL                                              KOREA
KUWAIT                                             KUWAIT
BISHKEK                                            KYRGYZSTAN
VIENTIANE                                          LAOS
RIGA                                               LATVIA
BEIRUT                                             LEBANON
VILNIUS                                            LITHUANIA
LUXEMBOURG                                         LUXEMBOURG
MACAU                                              MACAU
SKOPJE                                             MACEDONIA
ANTANANARIVO                                       MADAGASCAR
LILONGWE                                           MALAWI
JOHOR BAHRU                                        MALAYSIA
KOTA KINABALU                                      MALAYSIA
KUALA LUMPUR                                       MALAYSIA
KUANTAN                                            MALAYSIA
KUCHING                                            MALAYSIA
PENANG                                             MALAYSIA
BAMAKO                                             MALI
MALTA                                              MALTA
FORT DE FRANCE                                     MARTINIQUE
NOUAKCHOTT                                         MAURITANIA

                        iPASS/EQUANT CONFIDENTIAL - FINAL
                                       9
<PAGE>

                       TABLE 1 TO ATTACHMENT 1 (CONTINUED)

   EQUANT NODES BY COUNTRY WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF JUNE 1, 2002 AND IS SUBJECT TO CHANGE WITHOUT
NOTICE.

MAURITIUS                                          MAURITIUS
CANCUN                                             MEXICO
GUADALAJARA                                        MEXICO
MEXICO CITY                                        MEXICO
MONTERREY                                          MEXICO
PUERTO VALLARTA                                    MEXICO
CHISINAU                                           MOLDOVA
ULAANBAATAR                                        MONGOLIA
TANGIER                                            MOROCCO
CASABLANCA                                         MOROCCO
MAPUTO                                             MOZAMBIQUE
WNDHOEK                                            NAMIBIA
CURACAO                                            NETHERLAND ANTILLES
ST. MAARTEN                                        NETHERLAND ANTILLES
AMSTERDAM                                          NETHERLANDS
EINDHOVEN                                          NETHERLANDS
GRONINGEN                                          NETHERLANDS
ROTTERDAM                                          NETHERLANDS
THE HAGUE                                          NETHERLANDS
AUKLAND                                            NEW ZEALAND
CHRISTCHURCH                                       NEW ZEALAND
MANAGUA                                            NICARAGUA
NIAMEY                                             NIGER
KANO                                               NIGERIA
LAGOS                                              NIGERIA
PORT HARTCOURT                                     NIGERIA
SAIPAN                                             NORTHERN MARIANA ISLANDS
BERGEN                                             NORWAY
OSLO                                               NORWAY
STAVANGER                                          NORWAY
MUSCAT                                             OMAN
ISLAMABAD                                          PAKISTAN
KARACHI                                            PAKISTAN
LAHORE                                             PAKISTAN
PANAMA CITY                                        PANAMA
ASUNCION                                           PARAGUAY
LIMA                                               PERU
CEBU                                               PHILIPPINES
MANILA                                             PHILIPPINES
BIOLYSTOK                                          POLAND
BYDGOSCZCZ                                         POLAND
GDANSK                                             POLAND
KATOWICE                                           POLAND
KRAKOW                                             POLAND

                        iPASS/EQUANT CONFIDENTIAL - FINAL
                                       10
<PAGE>

                       TABLE 1 TO ATTACHMENT 1 (CONTINUED)

   EQUANT NODES BY COUNTRY WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF JUNE 1, 2002 AND IS SUBJECT TO CHANGE WITHOUT
NOTICE.

LUBLIN                                             POLAND
OLSZTYN                                            POLAND
POZNAN                                             POLAND
RZESZOW                                            POLAND
SZCZECIN                                           POLAND
WARSAW                                             PORTUGAL
CROCLAW                                            PORTUGAL
FARO                                               PORTUGAL
FUNCHAL                                            PORTUGAL
LISBON                                             PUERTO RICO
PORTO                                              REUNION
SAN JUAN                                           ROMANIA
ST. DENIS                                          ROMANIA
BUCHAREST                                          ROMANIA
CONSTANTA                                          RUSSIA
TIMISOARA                                          RUSSIA
EKATERINBURG                                       RUSSIA
IRKUTSK                                            RUSSIA
KHABAROVSK                                         RUSSIA
MOSCOW                                             RUSSIA
NIZHNIY NOVGOROD                                   RUSSIA
NOVOSIBIRSK                                        RUSSIA
PETROPAVLOVSK                                      RUSSIA
ROSTOV                                             RUSSIA
SAMARA                                             RUSSIA
ST. PETERSBURG                                     RUSSIA
TYUMEN                                             RUSSIA
VLADIVOSTOK                                        RUSSIA
VORNOEZH                                           RUSSIA
YUZHNO
SAKHALINSK                                         RUSSIA
KIGALI                                             RWANDA
MAHE ISLAND                                        SEYCHELLES ISLANDS
FREETOWN                                           SIERRA LEONE
SINGAPORE                                          SINGAPORE
BRATISLAVA                                         SLOVAKIA
KOSICE                                             SLOVAKIA
LJUBLIANA                                          SLOVENIA
MARIBOR                                            SLOVENIA
CAPE TOWN                                          SOUTH AFRICA
DURBAN                                             SOUTH AFRICA
JOHANNESBURG                                       SOUTH AFRICA
ALICANTE                                           SPAIN
BARCELONA                                          SPAIN

                        iPASS/EQUANT CONFIDENTIAL - FINAL
                                       11
<PAGE>

                       TABLE 1 TO ATTACHMENT 1 (CONTINUED)

   EQUANT NODES BY COUNTRY WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF JUNE 1, 2002 AND IS SUBJECT TO CHANGE WITHOUT
NOTICE.

BILBAO                                             SPAIN
LAS PALMAS                                         SPAIN
MADRID                                             SPAIN
MALAGA                                             SPAIN
PALMA MALLORCA                                     SPAIN
SAN SEBASTIAN                                      SPAIN
SEVILLA                                            SPAIN
TENERIFE                                           SPAIN
VALENCIA                                           SPAIN
ZARAGOZA                                           SPAIN
MBABANE                                            SWAZILAND
COLOMBO                                            SRI LANKA
GOTHENBURG                                         SWEDEN
MALMO                                              SWEDEN
STOCKHOLM                                          SWEDEN
BERNE                                              SWITZERLAND
GENEVA                                             SWITZERLAND
LUGANO                                             SWITZERLAND
ZUERICH                                            SWITZERLAND
HSINCHUN                                           TAIWAN
KAOHSIUNG                                          TAIWAN
TAICHUNG                                           TAIWAN
TAINAN                                             TAIWAN
TAIPEI                                             TAIWAN
ARUSHA                                             TANZANIA
DAR ES SALAAM                                      TANZANIA
LOME                                               TOGO
ADANA                                              TURKEY
ANKARA                                             TURKEY
ANTALYA                                            TURKEY
BODRUM                                             TURKEY
BURSA                                              TURKEY
GAZIANTEP                                          TURKEY
ISTANBUL                                           TURKEY
IZMIR                                              TURKEY
KUSADASI                                           TURKEY
MERSIN                                             TURKEY
KAMPALA                                            UGANDA
DNEPROPETROVSK                                     UKRAINE
KIEV                                               UKRAINE
LVOV                                               UKRAINE
ODESSA                                             UKRAINE
DUBAI                                              UNITED ARAB EMIRATES
CAMBRIDGE                                          UNITED KINGDOM

                        iPASS/EQUANT CONFIDENTIAL - FINAL
                                       12
<PAGE>

                       TABLE 1 TO ATTACHMENT 1 (CONTINUED)

   EQUANT NODES BY COUNTRY WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF JUNE 1, 2002 AND IS SUBJECT TO CHANGE WITHOUT
NOTICE.

GLASGOW                                            UNITED KINGDOM
LONDON                                             UNITED KINGDOM
SOUTHAMPTON                                        UNITED KINGDOM
ATLANTA                                            USA
CHICAGO                                            USA
COLUMBUS                                           USA
DALLAS                                             USA
DENVER                                             USA
DETROIT                                            USA
HOUSTON                                            USA
LOS VEGAS                                          USA
LOS ANGELES                                        USA
MIAMI                                              USA
NEW YORK                                           USA
ORLANDO                                            USA
PHILADELPHIA                                       USA
PITTSBURGH                                         USA
SEATTLE                                            USA
ST. CROIX VIRGIN ISLANDS                           USA
WASHINGTON                                         USA
TASHKENT                                           UZBEKISTAN
CARACAS                                            VENEZUELA
MARACAIBO                                          VENEZUELA
PUERTO LA CRUZ                                     VENEZUELA
APIA                                               WESTERN SAMOA
BELGRADE                                           YUGOSLAVIA
LUSAKA                                             ZAMBIA
NDOLA                                              ZAMBIA
HARARE                                             ZIMBABWE

                        iPASS/EQUANT CONFIDENTIAL - FINAL
                                       13
<PAGE>

                             TABLE 2 TO ATTACHMENT 1

  EQUANT NODES BY COUNTRY WHERE CUSTOMER IS PERMITTED TO RESELL ISP SERVICE TO
                      ITS ISP CUSTOMERS AND ISP END USERS:

      THIS TABLE OF NODES IS CURRENT AS OF JUNE 1, 2002 AND IS SUBJECT TO CHANGE
WITHOUT NOTICE.

Argentina                      Macedonia
Australia                      Malaysia
Austria                        Malta
Belgium                        Martinique
Bolivia                        Mexico
Bahamas                        Moldova Rep. Of
Brazil                         Monaco
Bulgaria                       Mongolia
Cameroon                       Namibia
Canada                         Netherland Antilles
Cape Verde                     Netherlands
Chile                          New Zealand
Colombia                       Nicaragua
Cote d'Ivoire                  Niger
Croatia                        Nigeria
Czech Republic                 Northern Mariana Islands
Denmark                        Norway
Dominican Republic             Peru
El Salvador                    Portugal
Estonia                        Puerto Rico
Finland                        Reunion
France                         Romania
Germany                        Russia
Gibraltar                      Singapore
Greece                         Slovenia
Guadeloupe                     Slovakia
Guam                           Spain
Guatemala                      Sri Lanka
Hong Kong                      Sweden
Hungary                        Switzerland
Iceland                        Taiwan
Ireland                        Tanzania
Israel                         Togo
Italy                          U. S. A.
Japan                          U.S. Virgin Islands (St. Croix)
Jordan                         Ukraine
Korea, Rep. Of                 United Kingdom
Lithuania                      Venezuela
Luxembourg

                        iPASS/EQUANT CONFIDENTIAL - FINAL
                                       14
<PAGE>

                             TABLE 3 TO ATTACHMENT 1

     EQUANT NODES BY COUNTRY WHERE CUSTOMER IS PERMITTED TO RESELL CORPORATE
                INTERNET SERVICE USE TO ITS CORPORATE END USERS:

      THIS TABLE OF NODES IS CURRENT AS OF JUNE 1, 2002 AND IS SUBJECT TO CHANGE
WITHOUT NOTICE.

Argentina                             Macedonia
Armenia                               Malaysia
Australia                             Martinique
Austria                               Mexico
Bahamas                               Moldova, Rep. Of
Belgium                               Monaco
Bolivia                               Morocco
Brazil                                Namibia
Bulgaria                              Mongolia
Cameroon                              Mozambique
Canada                                Netherland Antilles
Cape Verde                            Netherlands
Chile                                 New Zealand
Colombia                              Nicaragua
Cote d'ivoire                         Niger
Croatia                               Nigeria
Czech Republic                        Northern Mariana Islands
Denmark                               Norway
Dominican Republic                    Pakistan
El Salvador                           Panama
Estonia                               Peru
Finland                               Philippines
France                                Poland
Germany                               Portugal
Gibraltar                             Puerto Rico
Greece                                Reunion
Guadeloupe                            Romania
Guam                                  Russia
Guatemala                             Singapore
Hong Kong                             Slovenia
Hungary                               Slovakia
Iceland                               Spain
Indonesia                             Sri Lanka
Ireland                               Sweden
Israel                                Switzerland
Italy                                 Taiwan
Japan                                 Tanzania
Jordan                                Togo
Kenya                                 U. S. A.
Korea, Rep. Of                        Uganda
Kuwait                                Ukraine
Lithuania                             U.S. Virgin Islands (St. Croix)
Luxembourg                            United Kingdom

                        iPASS/EQUANT CONFIDENTIAL - FINAL
                                       15
<PAGE>

                       TABLE 3 TO ATTACHMENT 1 (CONTINUED)

     EQUANT NODES BY COUNTRY WHERE CUSTOMER IS PERMITTED TO RESELL CORPORATE
                INTERNET SERVICE USE TO ITS CORPORATE END USERS:

      THIS TABLE OF NODES IS CURRENT AS OF JUNE 1, 2002 AND IS SUBJECT TO CHANGE
WITHOUT NOTICE.

Uzbekistan
Venezuela

                        iPASS/EQUANT CONFIDENTIAL - FINAL
                                       16
<PAGE>

                                 AMENDMENT NO. 8
                 TO THE MANAGED DATA NETWORK SERVICES AGREEMENT
                            NO. MDNS/US/IPAS/O9/96/99

This Amendment No. 8 to the Managed Data Network Services Agreement No.
MDNS/US/IPAS/09/96/99 ("AMENDMENT") is made by and between Equant Inc. F/K/A
Equant Network Services, Inc. ("Equant") and Pass Inc. F/K/A i-Pass Alliance,
Inc. ("CUSTOMER"), and shall be effective as of December 23, 2002 ("AMENDMENT
EFFECTIVE DATE").

WHEREAS, Customer and Equant entered into that certain Managed Data Network
Services Agreement No. MDNS/US/IPAS/O9/96/99 executed by Customer on September
17, 1996 (the "MDNSA"), that certain Amendment No. 1 to the MDNSA executed by
Customer on December 30, 1996 ("AMENDMENT L"), that certain Amendment No. 2 to
the MDNSA effective on October 1, 1998 ("AMENDMENT 2"). that certain Amendment
NO. 3 to the MDNSA effective on October 1, 1998 ("AMENDMENT 3"), that certain
Amendment No. 4 to the MDNSA effective on December I, 1999 ("AMENDMENT 4"), that
certain Amendment No. 5 to the MDNSA effective on February 4, 2000 ("AMENDMENT
5"), that certain Amendment No. 6 to the MDNSA effective on February 21, 2002
("AMENDMENT 6") and that certain Amendment No. 7 to the MDNSA effective on June
26, 2002 ("AMENDMENT 7") (all of the above being the "AGREEMENT"); and

WHEREAS, Customer and Equant desire to amend the Agreement to reflect certain
changes, including clarification of the regulatory restrictions with respect to
utilization of the Network.

NOW, THEREFORE, in accordance with the procedures for amendment of the Agreement
set forth in Section 15.8 of the Agreement and in consideration of the mutual
promises contained herein and other good and valuable consideration, the
sufficiency of which is hereby acknowledged, the parties do hereby agree as
follows:

1. DEFINITIONS.

All other capitalized terms used in the Amendment shall have the respective
meanings given to such terms in the Agreement unless otherwise set forth in this
Amendment.

2. EXTENSION OF INITIAL TERM.

The Agreement is hereby amended by deleting Clause 1.1.13 and substituting the
following new clause therefore:

"1.1.13 "Initial Term" shall mean the period commencing on the Effective Date
and expiring on February 3, 2006."

3. REVISED PRICING.

The Agreement is hereby amended by deleting the pricing schedules in Attachment
2 -- Charges relating to Public X.28 Service Connection hourly Charges and
substituting the attached hourly Charges schedules for IP Dial - Internet Dial
Service and IP Dial - Private Dial Service therefore.

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       1
<PAGE>

4. X.28 AND PPP DIAL DISCOUNTS DISCONTINUED.

The Agreement is hereby amended by deleting Clause 1 of Amendment Number 4 to
the Agreement regarding the monthly [ * ] on X.28 and PPP Dial Charges in its
entirety and substituting the word "reserved" therefore.

5. REVISED MINIMUM REVENUE COMMITMENT.

The Agreement is hereby amended by deleting Clauses 8 and 9 of Attachment 2 --
Charges in their entirety and substituting the following new Clause 8 therefore:

"8.      MINIMUM VOLUME COMMITMENT.

8.1      During each "Commitment Period" specified below, Customer shall satisfy
         the corresponding minimum volume commitment based on Customer's
         combined usage of Frame Relay and IP Dial (both Internet Dial and
         Private Dial) Services (each such "minimum volume commitment" will be
         referred to herein as an "MVC"):

<TABLE>
<CAPTION>
COMMITMENT PERIOD                                     MVC
<S>                                                   <C>
February 4, 2002 - February 3, 2003                   [ * ]
February 4, 2003 - February 3, 2004                   [ * ]
February 4, 2004 - February 3, 2005                   [ * ]
February 4, 2005 - February 3, 2006                   [ * ]
</TABLE>

         Each MVC shall be calculated after application of all discounts using
         Customer's usage and monthly recurring CIR, Port and IP Dial Access
         (Internet Dial or Private Dial) Charges incurred under this Agreement,
         excluding one-time charges, Tail Circuit Charges, CPE Charges, and any
         charges for Equant Professional Services or, subject to the following
         exception, any other service or product other than Frame Relay or IP
         Dial Services ("`Qualifying Charges"). Notwithstanding the foregoing
         definition of Qualifying Charges, any monthly recurring Charges for Net
         Hosting or Internet Direct Services incurred under this Agreement may
         contribute to the MVC, up to a maximum of [ * ] per Commitment Period.

         Should the actual Qualifying Charges invoiced to Customer during any
         Commitment Period be less than the applicable MVC ("SHORTFALL'), Equant
         shall invoice, and Customer shall pay, the Shortfall at the end of the
         applicable Commitment Period that such Shortfall occurred in accordance
         with Clause 9 of the Agreement.

8.2      In addition to the above MVCs and annual Commitment Periods, Customer
         agrees that it shall have paid a total of [ * ] in Qualifying Charges
         ("TERM Commitment") between February 4, 2003 and February 3, 2006
         ("TERM COMMITMENT PERIOD"). If, at the end of Initial Term, the sum of
         the actual Qualifying Charges invoiced to Customer during the Term
         Commitment Period is less than the Term Commitment ("TERM SHORTFALL"),
         then Equant shall invoice, and Customer shall pay, the Term Shortfall,
         less any applicable Shortfall amounts paid by Customer under Clause 8.,
         in accordance with Clause 9 of the Agreement."

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       2

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>

6. SERVICE DESCRIPTIONS FOR EQUANT SERVICES.

The Agreement is hereby amended by adding the attached Service Descriptions for
Frame Relay Service, Internet Direct, Net Hosting, IP Dial Service - Internet
Dial and IP Dial Service - Private Dial as Exhibits 1 through 5, respectively,
to Attachment 1 - Description of Service.

7. NEW REGULATORY TABLES.

The Agreement is hereby amended by deleting the tables 1 - 3 of Attachment 1 --
Description of Service, as added to the Agreement by Amendment 7 in their
entirety and substituting the attached new Tables 1-3 therefore.

8. SERVICE LEVEL AGREEMENT.

Equant and Customer agree to use commercially reasonable efforts to negotiate a
service level agreement ("SLA") for Equant's IP Dial - Internet Dial Service and
execute an amendment to add the SLA to this Agreement by January 31, 2003.

9. TERMINATION OF EXISTING GLOBAL ONE AGREEMENT.

As of the Amendment Effective Date, Customer also receives Equant services under
a certain Master Agreement for Global One Business Communications Services,
Master Agreement Number 01/03/79, between Customer and Global One Communications
Holding Limited (an Equant affiliate), dated March 29, 2001 ("GLOBAL ONE
AGREEMENT"). Subject to agreement by Global One Communications Holding Limited,
Customer agrees to terminate the Global One Agreement and execute an amendment
to this Agreement with Equant by March 1, 2003, that incorporates the Equant
services provided to Customer under the Global One Agreement.

10. PRICE REVIEW.

The Agreement is hereby amended by adding the following provision as a new
Clause 9 to Attachment 2 -- Charges:

"9. The Charges set forth in this Agreement shall be reviewed by Equant and
Customer, at Customer's request, in August 2004 ("PRICE REVIEW"). The Price
Review will constitute a comparison of the Charges set forth in this Agreement
with the prices then being offered by Equant for the same services to other
resellers and distributors with similar application requirements, and under
similar contractual term and conditions with Equant, including, without
limitation, revenue commitments, term commitments and usage of Equant services
("RESELLER PRICING"). If, as a result of the Price Review requested by Customer,
it is demonstrated that the Charges set forth in this Agreement in the aggregate
are at least [ * ] higher than the comparable aggregate Reseller Pricing, then
Customer may request that the Charges set forth in this Agreement be adjusted as
of August 1,2004. It is understood that in no event shall Equant be obliged to
adjust the Charges. Notwithstanding the forgoing, in no event shall the Minimum
Volume Commitments or any Shortfall be adjusted as a result of the Price
Review."

11. ENTIRE AGREEMENT.

Except as expressly modified by this Amendment, the Agreement shall remain in
full force and effect according to its terms. This Amendment, including the
attached exhibits, schedules and tables, all of which are incorporated herein by
reference, the Agreement and the applicable Order Forms, is the

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       3

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>

complete agreement of the parties and supersedes any prior agreements or
representations, whether written or oral, with respect thereto.

Provided this Amendment is accepted and executed by Equant, all charges,
discounts or rates set forth in this Amendment shall be effective beginning with
the first full billing cycle following Customer's execution and delivery of this
Amendment to Equant unless expressly stated otherwise.

IN WITNESS WHEREOF, this Amendment was entered into as of the dates set forth
below, effective as of the Amendment Effective Date.

EQUANT INC.                             iPASS INC.

By:  /s/  Bruce W. Smith                By:  /s/  Donald C. McCauley
     ---------------------------             -------------------------
Name:  Bruce W. Smith                   Name: Donald C. McCauley
Title:  Sr VP                           Title: CFO
Date: 12/27/02                          Date:23 December 2002

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       4
<PAGE>

                             TABLE 1 TO ATTACHMENT 1

  EQUANT NODES (BY COUNTRY) WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF DECEMBER 17, 2002, AND IS SUBJECT TO CHANGE
WITHOUT NOTICE

TIRANA                              ALBANIA
ALGIERS                             ALGERIA
BUENOS AIRES                        ARGENTINA
CORDOBA                             ARGENTINA
LA PLATA                            ARGENTINA
MAR DEL PLATA                       ARGENTINA
MENDOZA                             ARGENTINA
ROSARIO                             ARGENTINA
YEREVAN                             ARMENlA
ADELAIDE                            AUSTRALIA
BRISBANE                            AUSTRALIA
MELBOURNE                           AUSTRALIA
PERTH                               AUSTRALIA
SYDNEY                              AUSTRALIA
GRAZ                                AUSTRIA
LINZ                                AUSTRIA
SALZBURG                            AUSTRIA
VIENNA                              AUSTRIA
BAKU                                AZERBAIJAN
NASSAU                              BAHAMAS
BAHRAIN                             BAHRAIN
DHAKA                               BANGLADESH
ANTWERP                             BELGIUM
BRUGES                              BELGIUM
BRUSSELS                            BELGIUM
CHARLEROI                           BELGIUM
GHENT                               BELGIUM
HASSELT                             BELGIUM
KORTRIJK                            BELGIUM
LIEGE                               BELGIUM
                                    BELIZE
                                    BERMUDA
COCHABAMBA                          BOLIVIA
LA PAZ                              BOLIVIA
SANTA CRUZ                          BOLIVIA
SARAJEVO                            BOSNIA HERCEGOVINA
GABORONE                            BOTSWANA
BELEM                               BRAZIL
BELO HORIZONTE                      BRAZIL
BRASILIA                            BRAZIL
CAMPINAS                            BRAZIL
CURITIBA                            BRAZIL
FLORIANOPOLIS                       BRAZIL
MANAUS                              BRAZIL
PORTO ALEGRE                        BRAZIL
RECIFE                              BRAZIL

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       5
<PAGE>

                             TABLE 1 TO ATTACHMENT 1

  EQUANT NODES (BY COUNTRY) WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF DECEMBER 17, 2002, AND IS SUBJECT TO CHANGE
WITHOUT NOTICE

RIO DE JANIERO                      BRAZIL
SALVADOR                            BRAZIL
SAO PAULO                           BRAZIL
BOURGAS                             BULGARIA
VARNA                               BULGARIA
VRAJDEBNA                           BULGARIA
OUAGADOUGOU                         BURKINA FASO
PHNOM PENH                          CAMBODIA
DOUALA                              CAMEROON
YAOUNDE                             CAMEROON
CALGARY                             CANADA
MONTREAL                            CANADA
VANCOUVER                           CANADA
PRAIA                               CAPE VERDE
ANTOFAGASTA                         CHILE
CONCEPCION                          CHILE
IQUIQUE                             CHILE
LA SERENA                           CHILE
PUNTA ARENAS                        CHILE
SANTIAGO                            CHILE
BEIJING                             CHINA
GUANGZHOU                           CHINA
SHANGHAI                            CHINA
BARRANQUILLA                        COLOMBIA
BOGOTA                              COLOMBIA
CALI                                COLOMBIA
CARTEGENA                           COLOMBIA
MEDELLIN                            COLOMBIA
BRAZZAVILLE                         CONGO
KINSHASA                            CONGO
POINT NOIRE                         CONGO
SAN JOSE                            COSTA RICA
ABIDJAN                             COTE D'IVOIRE
DUBROVNIK                           CROATIA
RIJEKA                              CROATIA
SPLIT                               CROATIA
ZAGREB                              CROATIA
NICOSIA                             CYPRUS
BRNO                                CZECH REPUBLIC
OLOMOUC                             CZECH REPUBLIC
OSTRAVA                             CZECH REPUBLIC
PRAGUE                              CZECH REPUBLIC
ZLIN                                CZECH REPUBLIC
AARHUS                              DENMARK
COPENHAGEN                          DENMARK
SANTO DOMINGO                       DOMINICAN REPUBLIC

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       6
<PAGE>

                             TABLE 1 TO ATTACHMENT 1

  EQUANT NODES (BY COUNTRY) WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF DECEMBER 17, 2002, AND IS SUBJECT TO CHANGE
WITHOUT NOTICE

GUAYAQUIL                           ECUADOR
QUITO                               ECUADOR
ALEXANDRIA                          EGYPT
CAIRO                               EGYPT
HURGHADA                            EGYPT
LUXOR                               EGYPT
SHARM EL SHEIKH                     EGYPT
SAN SALVADOR                        EL SALVADOR
TALLINN                             ESTONIA
ASMARA                              ERITREA
HELSINKI                            FINLAND
MARSEILLE                           FRANCE
NANTES                              FRANCE
NICE                                FRANCE
PARIS                               FRANCE
TOULOUSE                            FRANCE
                                    FRENCH GUIANA
TBILISI                             GEORGIA
                                    GERMANY
ACCRA                               GHANA
GIBRALTAR                           GIBRALTAR
ATHENS                              GREECE
HERAKLION                           GREECE
IOANNINA                            GREECE
KAVALA                              GREECE
KERKYRA                             GREECE
PATRAS                              GREECE
RHODES                              GREECE
THESSALONIKI                        GREECE
POINT A PITRE                       GUADELOUPE
GUAM                                GUAM
GUATEMALA CITY                      GUATEMALA
CONAKRY                             GUINEA
PORT AU PRINCE                      HAITI
SAN PEDRO SULA                      HONDURAS
TEGUCIGALPA                         HONDURAS
HONG KONG                           HONG KONG
BUDAPEST                            HUNGARY
GYOR                                HUNGARY
REYKJAVIK                           ICELAND
MAMBAI & DELHI                      INDIA
DENPASAR BALI                       INDONESIA
JAKARTA                             INDONESIA
SURABAYA                            INDONESIA
CORK                                IRELAND
DUBLIN                              IRELAND

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       7
<PAGE>

                             TABLE 1 TO ATTACHMENT 1

  EQUANT NODES (BY COUNTRY) WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF DECEMBER 17, 2002, AND IS SUBJECT TO CHANGE
WITHOUT NOTICE

SHANNON                             IRELAND
TELA VIV YAFO                       ISRAEL
BARI                                ITALY
BOLOGNA                             ITALY
BOLZANO                             ITALY
CATANIA                             ITALY
FLORENCE                            ITALY
GENOA                               ITALY
MILAN                               ITALY
NAPLES                              ITALY
PADOVA                              ITALY
PALERMO                             ITALY
PARMA                               ITALY
PERUGIA                             ITALY
RIMINI                              ITALY
ROME                                ITALY
TURIN                               ITALY
UDINE                               ITALY
VENICE                              ITALY
VERONA                              ITALY
VICENZA                             ITALY
FUKUOKA                             JAPAN
HIROSHIMA                           JAPAN
NAGOYA                              JAPAN
OKINAWA                             JAPAN
OSAKA                               JAPAN
SAPPORO                             JAPAN
SENDAI                              JAPAN
TOKYO                               JAPAN
AMMAN                               JORDAN
ALMATY                              KAZAKHSTAN
MOMBASA                             KENYA
NAIROBI                             KENYA
PUSAN                               KOREA
SEOUL                               KOREA
KUWAIT                              KUWAIT
BISHKEK                             KYRGYZSTAN
VIENTIANE                           LAOS
RIGA                                LATVIA
BEIRUT                              LEBANON
VILNIUS                             LITHUANIA
LUXEMBOURG                          LUXEMBOURG
MACAU                               MACAU
SKOPJE                              MACEDONIA
ANTANANARIVO                        MADAGASCAR
LILONGWE                            MALAWI

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       8
<PAGE>

                             TABLE 1 TO ATTACHMENT 1

  EQUANT NODES (BY COUNTRY) WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF DECEMBER 17, 2002, AND IS SUBJECT TO CHANGE
WITHOUT NOTICE

JOHOR BAHRU                         MALAYSIA
KOTA KINABALU                       MALAYSIA
KUALA LUMPUR                        MALAYSIA
KUANTAN                             MALAYSIA
KUCHING                             MALAYSIA
PENANG                              MALAYSIA
BAMAKO                              MALI
MALTA                               MALTA
FORT DE FRANCE                      MARTINIQUE
NOUAKCHOTT                          MAURITANIA
MAURITIUS                           MAURITIUS
CANCUN                              MEXICO
GUADALAJARA                         MEXICO
MEXICO CITY                         MEXICO
MONTERREY                           MEXICO
PUERTO VALLARTA                     MEXICO
CHISINAU                            MOLDOVA
                                    MONACO
ULAANBAATAR                         MONGOLIA
                                    MOROCCO
MAPUTO                              MOZAMBIQUE
WINDHOEK                            NAMIBIA
CARACAO                             NETHERLAND ANTILLES
ST. MAARTEN                         NETHERLAND ANTILLES
AMSTERDAM                           NETHERLANDS
EINDHOVEN                           NETHERLANDS
GRONINGEN                           NETHERLANDS
ROTTERDAM                           NETHERLANDS
THE HAGUE                           NETHERLANDS
AUCKLAND                            NEW ZEALAND
CHRISTCHURCH                        NEW ZEALAND
MANAGUA                             NICARAGUA
NIAMEY                              NIGER
KANO                                NIGERIA
LAGOS                               NIGERIA
PORT HARTCOURT                      NIGERIA
SAIPAN                              NORTHERN MARIANA ISLANDS
BERGEN                              NORWAY
OSLO                                NORWAY
STAVANGER                           NORWAY
MUSCAT                              OMAN
ISLAMABAD                           PAKISTAN
KARACHI                             PAKISTAN
LAHORE                              PAKISTAN
PANAMA CITY                         PANAMA
ASUNCION                            PARAGUAY

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       9

<PAGE>

                             TABLE 1 TO ATTACHMENT 1

  EQUANT NODES (BY COUNTRY) WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF DECEMBER 17, 2002, AND IS SUBJECT TO CHANGE
WITHOUT NOTICE

LIMA                                PERU
CEBU                                PHILIPPINES
MANILA                              PHILIPPINES
BIALYSTOK                           POLAND
BYDGOSZCZ                           POLAND
GDANSK                              POLAND
KATOWICE                            POLAND
KRAKOW                              POLAND
LUBLIN                              POLAND
OLSZTYN                             POLAND
POZNAN                              POLAND
RZESZOW                             POLAND
SZCZECIN                            POLAND
WARSAW                              POLAND
WROCLAW                             POLAND
FARO                                PORTUGAL
FUNCHAL                             PORTUGAL
LISBON                              PORTUGAL
PORTO                               PORTUGAL
SAN JUAN                            PUERTO RICO
ST. DENIS                           REUNION
BUCHAREST                           ROMANIA
CONSTANTA                           ROMANIA
TIMISOARA                           ROMANIA
EKATERINBURG                        RUSSIA
IRKUTSK                             RUSSIA
KHABAROVSK                          RUSSIA
MOSCOW                              RUSSIA
NIZHNIY NOVGOROD                    RUSSIA
NOVOSIBIRSK                         RUSSIA
PETROPAVLOVSK                       RUSSIA
ROSTOV                              RUSSIA
SAMARA                              RUSSIA
ST. PETERSBURG                      RUSSIA
TYUMEN                              RUSSIA
VLADIVOSTOCK                        RUSSIA
VORONEZH                            RUSSIA
YUZHNO
SAKHALINSK                          RUSSIA
KIGALI                              RWANDA
                                    SAUDI ARABIA
MAHE ISLAND                         SEYCHELLES ISLANDS
FREETOWN                            SIERRA LEONE
SINGAPORE                           SINGAPORE
BRATISLAVA                          SLOVAKIA
KOSICE                              SLOVAKIA

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       10
<PAGE>

                             TABLE 1 TO ATTACHMENT 1

  EQUANT NODES (BY COUNTRY) WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF DECEMBER 17, 2002, AND IS SUBJECT TO CHANGE
WITHOUT NOTICE

LJUBLIANA                           SLOVENIA
MARIBOR                             SLOVENIA
CAPE TOWN                           SOUTH AFRICA
DURBAN                              SOUTH AFRICA
JOHANNESBURG                        SOUTH AFRICA
ALICANTE                            SPAIN
BARCELONA                           SPAIN
BILBAO                              SPAIN
LAS PALMAS                          SPAIN
MADRID                              SPAIN
MALAGA                              SPAIN
PALMA MALLORCA                      SPAIN
SAN SEBASTIAN                       SPAIN
SEVILLA                             SPAIN
TENERIFE                            SPAIN
VALENCIA                            SPAIN
ZARAGOZA                            SPAIN
MBABANE                             SWAZILAND
COLOMBO                             SRI LANKA
GOTHENBURG                          SWEDEN
MALMO                               SWEDEN
STOCKHOLM                           SWEDEN
BERNE                               SWITZERLAND
GENEVA                              SWITZERLAND
LUGANO                              SWITZERLAND
ZUERICH                             SWITZERLAND
HSINCHUN                            TAIWAN
KAOHSIUNG                           TAIWAN
TAICHUNG                            TAIWAN
TAINAN                              TAIWAN
TAIPEI                              TAIWAN
ARUSHA                              TANZANIA
DARES SALAAM                        TANZANIA
LOME                                TOGO
ADANA                               TURKEY
ANKARA                              TURKEY
ANTALYA                             TURKEY
BODRUM                              TURKEY
BURSA                               TURKEY
GAZIANTEP                           TURKEY
ISTANBUL                            TURKEY
IZMIR                               TURKEY
KUSADASI                            TURKEY
MERSIN                              TURKEY
KAMPALA                             UGANDA
DNEPROPETROVSK                      UKRAINE

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       11

<PAGE>

                             TABLE 1 TO ATTACHMENT 1

  EQUANT NODES (BY COUNTRY) WHERE CUSTOMER IS PERMITTED TO ACCESS THE SERVICES
     FOR ITS CORPORATE END USERS FOR CORPORATE INTRA-CORPORATE SERVICE USE

      THIS TABLE IS CURRENT AS OF DECEMBER 17, 2002, AND IS SUBJECT TO CHANGE
WITHOUT NOTICE

KIEV                                UKRAINE
LVOV                                UKRAINE
ODESSA                              UKRAINE
DUBAI                               UNITED ARAB EMIRATES
CAMBRIDGE                           UNITED KINGDOM
GLASGOW                             UNITED KINGDOM
LONDON                              UNITED KINGDOM
SOUTHAMPTON                         UNITED KINGDOM
ATLANTA                             USA
CHICAGO                             USA
COLUMBUS                            USA
DALLAS                              USA
DENVER                              USA
DETROIT                             USA
HOUSTON                             USA
LAS VEGAS                           USA
LOS ANGELES                         USA
MIAMI                               USA
NEW YORK                            USA
ORLANDO                             USA
PHILADELPHIA                        USA
PITTSBURGH                          USA
SEATTLE                             USA
ST. CROIX VIRGIN
ISLAND                              USA
WASHINGTON                          USA
TASHKENT                            UZBEKISTAN
CARACAS                             VENEZUELA
MARACAIBO                           VENEZUELA
PUERTO LA CRUZ                      VENEZUELA
BELGRADE                            YUGOSLAVIA
LUSAKA                              ZAMBIA
NDOLA                               ZAMBIA
HARARE                              ZIMBABWE

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       12
<PAGE>

                             TABLE 2 TO ATTACHMENT 1

   EQUANT NODES (BY COUNTRY) WHERE CUSTOMER IS PERMITTED TO RESELL ISP SERVICE
                    FOR ITS ISP CUSTOMERS AND ISP END USERS

            THIS TABLE OF NODES IS CURRENT AS OF DECEMBER 17, 2002 AND IS
      SUBJECT TO CHANGE WITHOUT NOTICE.

Argentina                        Lithuania
Australia                        Luxembourg
Austria                          Macedonia
Azerbaijan                       Malaysia
Bahamas                          Malta
Belgium                          Martinique
Bermuda                          Mexico
Brazil                           Moldova, Rep. Of
Bulgaria                         Monaco
Cameroon                         Mongolia
Canada                           Namibia
Cape Verde                       Netherland Antilles
Chile                            Netherlands
Colombia                         New Zealand
Cote d'ivoire                    Nicaragua
Croatia                          Niger
Czech Republic                   Nigeria
Denmark                          Northern Mariana Islands
Dominican Republic               Norway
El Salvador                      Peru
Estonia                          Portugal
Finland                          Puerto Rico
France                           Reunion
French                           Guiana Romania
Germany                          Russia
Ghana                            Singapore
Gibraltar                        Slovakia
Greece                           Slovenia
Guadeloupe                       South Africa
Guam                             Spain
Guatemala                        Sri Lanka
Honduras                         Sweden
Hong Kong                        Switzerland
Hungary                          Taiwan
Iceland                          Tanzania
Ireland                          Togo
Israel                           Turkey
Italy                            U. S. A.
Japan                            U.S. Virgin Islands (St. Croix)
Jordan                           Ukraine
Korea, Rep. Of                   United Kingdom
Latvia                           Venezuela

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       13

<PAGE>

                             TABLE 3 TO ATTACHMENT 1

    EQUANT NODES (BY COUNTRY) WHERE CUSTOMER IS PERMITTED TO RESELL CORPORATE
                 INTERNET SERVICE USE TO ITS CORPORATE END USERS

      THIS TABLE OF NODES IS CURRENT AS OF DECEMBER 17, 2002 AND IS SUBJECT TO
CHANGE WITHOUT NOTICE.

Argentina
Armenia
Australia
Austria
Azerbaijan
Bahamas
Belgium
Belize
Bermuda
Brazil
Bulgaria
Burkina Faso
Cameroon
Canada
Cape Verde
Chile
Colombia
Cote d'Ivoire
Croatia
Czech Republic
Denmark
Dominican Republic
Ecuador
El Salvador
Estonia
Finland
France
French Guiana
Germany
Ghana
Gibraltar
Greece
Guadalupe
Guam
Guatemala
Honduras
Hong Kong
Iceland
Indonesia
Ireland
Israel
Italy

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       14

<PAGE>

                             TABLE 3 TO ATTACHMENT 1

    EQUANT NODES (BY COUNTRY) WHERE CUSTOMER IS PERMITTED TO RESELL CORPORATE
                 INTERNET SERVICE USE TO ITS CORPORATE END USERS

      THIS TABLE OF NODES IS CURRENT AS OF DECEMBER 17, 2002 AND IS SUBJECT TO
CHANGE WITHOUT NOTICE.

Japan
Jordan
Kenya
Kuwait
Kyrgyz tan
Latvia
Lebanon
Lithuania
Luxembourg
Macedonia
Malaysia
Mali
Malta
Martinique
Mexico
Moldova. Rep. Of
Monaco
Mongolia
Morocco
Mozambique
Namibia
Netherland Antilles
Netherlands
New Zealand
Nicaragua
Niger
Nigeria
Northern Mariana Islands
Norway
Pakistan
Panama
Peru
Philippines
Poland
Portugal
Puerto Rico
Reunion
Romania
Russia
Singapore
Slovakia
Slovenia
South Africa
Spain
Sri Lanka

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       15

<PAGE>

                             TABLE 3 TO ATTACHMENT 1

    EQUANT NODES (BY COUNTRY) WHERE CUSTOMER IS PERMITTED TO RESELL CORPORATE
                 INTERNET SERVICE USE TO ITS CORPORATE END USERS

      THIS TABLE OF NODES IS CURRENT AS OF DECEMBER 17, 2002 AND IS SUBJECT TO
CHANGE WITHOUT NOTICE.

Sweden
Switzerland
Taiwan
Tanzania
Togo
Turkey
U. S. A.
U.S. Virgin Islands (St. Croix)
Uganda
Ukraine
United Kingdom
Uzbekistan
Venezuela
Zambia
Zimbabwe

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       16

<PAGE>

          SCHEDULE 1 TO ATTACHMENT 2 - IP DIAL SERVICE - INTERNET DIAL
                              HOURLY USAGE CHARGES

     AVAILABILITY OF THE SERVICE IS SUBJECT TO CHANGE WITHOUT NOTICE DUE TO
  CONSTANTLY CHANGING REGULATORY REQUIREMENT. A CHARGE LISTED IN SCHEDULE BELOW
         FOR A PARTICULAR COUNTRY DOES NOT INDICATE AVAILABILITY OF THE
                            SERVICE FOR THAT COUNTRY.

<TABLE>
<CAPTION>
                                                 INTERNET DIAL
                                                  HOURLY USAGE
                   COUNTRY                           CHARGES
                   -------                           -------
<S>                                              <C>
                   Albania                            [ * ]
                   Algeria                            [ * ]
                   Angola                             [ * ]
             Antigua and Barbuda                      [ * ]
                  Argentina                           [ * ]
                   Armenia                            [ * ]
                    Aruba                             [ * ]
                  Australia                           [ * ]
                   Austria                            [ * ]
                 Azerbaijan                           [ * ]
                   Bahamas                            [ * ]
                   Bahrain                            [ * ]
                 Bangladesh                           [ * ]
                  Barbados                            [ * ]
                   Belarus                            [ * ]
                   Belgium                            [ * ]
                   Belize                             [ * ]
                    Benin                             [ * ]
                   Bermuda                            [ * ]
                   Bolivia                            [ * ]
             Bosnia-Herzegovina                       [ * ]
                  Botswana                            [ * ]
                   Brazil                             [ * ]
                  Bulgaria                            [ * ]
                Burkina Faso                          [ * ]
                   Burundi                            [ * ]
                  Cambodia                            [ * ]
                  Cameroon                            [ * ]
                   Canada                             [ * ]
                 Cape Verde                           [ * ]
                  Caribbean                           [ * ]
               Cayman Islands                         [ * ]
                    Chad                              [ * ]
                    Chile                             [ * ]
                    China                             [ * ]
                  Colombia                            [ * ]
               Congo Republic                         [ * ]
                Cook Islands                          [ * ]
                 Costa Rica                           [ * ]
</TABLE>

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       17

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>

          SCHEDULE 1 TO ATTACHMENT 2 - IP DIAL SERVICE - INTERNET DIAL
                              HOURLY USAGE CHARGES

     AVAILABILITY OF THE SERVICE IS SUBJECT TO CHANGE WITHOUT NOTICE DUE TO
  CONSTANTLY CHANGING REGULATORY REQUIREMENT. A CHARGE LISTED IN SCHEDULE BELOW
         FOR A PARTICULAR COUNTRY DOES NOT INDICATE AVAILABILITY OF THE
                            SERVICE FOR THAT COUNTRY.

<TABLE>
<CAPTION>
                                                 INTERNET DIAL
                                                  HOURLY USAGE
                   COUNTRY                           CHARGES
                   -------                           -------
<S>                                              <C>
                   Croatia                            [ * ]
                   Cyprus                             [ * ]
               Czech Republic                         [ * ]
    Democratic Republic Of Congo (Zaire)              [ * ]
                   Denmark                            [ * ]
                  Dominica                            [ * ]
             Dominican Republic                       [ * ]
                   Ecuador                            [ * ]
                    Egypt                             [ * ]
                 El Salvador                          [ * ]
              Equatorial Guinea                       [ * ]
                   Estonia                            [ * ]
                  Ethiopia                            [ * ]
                Fiji Islands                          [ * ]
                   Finland                            [ * ]
                   France                             [ * ]
                French Guiana                         [ * ]
                   Gambia                             [ * ]
                   Georgia                            [ * ]
                   Germany                            [ * ]
                    Ghana                             [ * ]
                  Gibraltar                           [ * ]
                   Greece                             [ * ]
                   Grenada                            [ * ]
                 Guadeloupe                           [ * ]
                    Guam                              [ * ]
                  Guatemala                           [ * ]
                   Guinea                             [ * ]
                Guinea-Bissau                         [ * ]
                   Guyana                             [ * ]
                    Haiti                             [ * ]
                  Honduras                            [ * ]
                  Hong Kong                           [ * ]
                   Hungary                            [ * ]
                   Iceland                            [ * ]
                    India                             [ * ]
                  Indonesia                           [ * ]
                   Ireland                            [ * ]
                   Israel                             [ * ]
</TABLE>

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       18

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.

<PAGE>

          SCHEDULE 1 TO ATTACHMENT 2 - IP DIAL SERVICE - INTERNET DIAL
                              HOURLY USAGE CHARGES

     AVAILABILITY OF THE SERVICE IS SUBJECT TO CHANGE WITHOUT NOTICE DUE TO
  CONSTANTLY CHANGING REGULATORY REQUIREMENT. A CHARGE LISTED IN SCHEDULE BELOW
         FOR A PARTICULAR COUNTRY DOES NOT INDICATE AVAILABILITY OF THE
                            SERVICE FOR THAT COUNTRY.

<TABLE>
<CAPTION>
                                                 INTERNET DIAL
                                                  HOURLY USAGE
                   COUNTRY                           CHARGES
                   -------                           -------
<S>                                              <C>
                    Italy                             [ * ]
                 Ivory Coast                          [ * ]
                   Jamaica                            [ * ]
                    Japan                             [ * ]
                   Jordan                             [ * ]
                 Kazakhstan                           [ * ]
                    Kenya                             [ * ]
              Korea Republic of                       [ * ]
                   Kuwait                             [ * ]
               Kyrgyz Republic                        [ * ]
                   Latvia                             [ * ]
                   Lebanon                            [ * ]
                  Lithuania                           [ * ]
                 Luxembourg                           [ * ]
                    Macau                             [ * ]
                 Madagascar                           [ * ]
                  Malaysia                            [ * ]
                    Mali                              [ * ]
                    Malta                             [ * ]
                 Martinique                           [ * ]
                 Mauritania                           [ * ]
                  Mauritius                           [ * ]
                   Mexico                             [ * ]
                   Moldova                            [ * ]
                  Mongolia                            [ * ]
                   Morocco                            [ * ]
                 Mozambique                           [ * ]
                   Namibia                            [ * ]
                    Nepal                             [ * ]
                 Netherlands                          [ * ]
            Netherlands Antilles                      [ * ]
                New Caledonia                         [ * ]
                 New Zealand                          [ * ]
                  Nicaragua                           [ * ]
                    Niger                             [ * ]
                   Nigeria                            [ * ]
                   Norway                             [ * ]
                    Oman                              [ * ]
                  Pakistan                            [ * ]
</TABLE>

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       19

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>

          SCHEDULE 1 TO ATTACHMENT 2 - IP DIAL SERVICE - INTERNET DIAL
                              HOURLY USAGE CHARGES

     AVAILABILITY OF THE SERVICE IS SUBJECT TO CHANGE WITHOUT NOTICE DUE TO
  CONSTANTLY CHANGING REGULATORY REQUIREMENT. A CHARGE LISTED IN SCHEDULE BELOW
         FOR A PARTICULAR COUNTRY DOES NOT INDICATE AVAILABILITY OF THE
                            SERVICE FOR THAT COUNTRY.

<TABLE>
<CAPTION>
                                                  INTERNET DIAL
                                                   HOURLY USAGE
                   COUNTRY                           CHARGES
                   -------                           -------
<S>                                               <C>
                   Panama                             [ * ]
              Papua New Guinea                        [ * ]
                  Paraguay                            [ * ]
                    Peru                              [ * ]
                 Philippines                          [ * ]
                   Poland                             [ * ]
                  Portugal                            [ * ]
                 Puerto Rico                          [ * ]
                    Qatar                             [ * ]
               Reunion Island                         [ * ]
                   Romania                            [ * ]
             Russian Federation                       [ * ]
                   Rwanda                             [ * ]
                Saipan Island                         [ * ]
                Saudi Arabia                          [ * ]
              Senegal Republic                        [ * ]
             Seychelles Islands                       [ * ]
                Sierra Leone                          [ * ]
                  Singapore                           [ * ]
                  Slovakia                            [ * ]
                  Slovenia                            [ * ]
                South Africa                          [ * ]
                    Spain                             [ * ]
                  Sri Lanka                           [ * ]
              St. Kim and Nevis                       [ * ]
                  St. Lucia                           [ * ]
       St. Vincent and the Grenadines                 [ * ]
                   Sweden                             [ * ]
                 Switzerland                          [ * ]
                   Taiwan                             [ * ]
                  Tanzania                            [ * ]
                  Thailand                            [ * ]
                    Togo                              [ * ]
             Trinidad and Tobago                      [ * ]
                   Tunisia                            [ * ]
                   Turkey                             [ * ]
                Turkmenistan                          [ * ]
          Turks and Caicos Islands                    [ * ]
            U. S. Virgin Islands                      [ * ]
</TABLE>

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       20

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>

          SCHEDULE 1 TO ATTACHMENT 2 - IP DIAL SERVICE - INTERNET DIAL
                              HOURLY USAGE CHARGES

     AVAILABILITY OF THE SERVICE IS SUBJECT TO CHANGE WITHOUT NOTICE DUE TO
  CONSTANTLY CHANGING REGULATORY REQUIREMENT. A CHARGE LISTED IN SCHEDULE BELOW
         FOR A PARTICULAR COUNTRY DOES NOT INDICATE AVAILABILITY OF THE
                            SERVICE FOR THAT COUNTRY.

<TABLE>
<CAPTION>
                                                  INTERNET DIAL
                                                   HOURLY USAGE
                   COUNTRY                           CHARGES
                   -------                           -------
<S>                                               <C>
                   Uganda                             [ * ]
                   Ukraine                            [ * ]
            United Arab Emirates                      [ * ]
               United Kingdom                         [ * ]
                United States                         [ * ]
                   Uruguay                            [ * ]
                 Uzbekistan                           [ * ]
                  Venezuela                           [ * ]
                   Vietnam                            [ * ]
                Western Samoa                         [ * ]
                 Yugoslavia                           [ * ]
                   Zambia                             [ * ]
                  Zimbabwe                            [ * ]
</TABLE>

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       21

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.
<PAGE>

              SCHEDULE 2 TO ATTACHMENT 2 -- IP DIAL - PRIVATE DIAL
                              HOURLY USAGE CHARGES

     AVAILABILITY OF THE SERVICE IS SUBJECT TO CHANGE WITHOUT NOTICE DUE TO
      CONSTANTLY CHANGING REGULATORY REQUIREMENTS. A CHARGE LISTED IN THE
    SCHEDULE BELOW FOR A PARTICULAR COUNTRY DOES NOT INDICATE AVAILABILITY OF
                          THE SERVICE FOR THAT COUNTRY.

<TABLE>
<CAPTION>
GROUP                 1       2      3       4       5      6       7       8      9      10      11      12      13      14
-----------------------------------------------------------------------------------------------------------------------------
<S>                 <C>     <C>    <C>     <C>     <C>    <C>     <C>     <C>    <C>     <C>    <C>     <C>     <C>     <C>
PRICE PER HOUR IN   [ * ]   [ * ]  [ * ]   [ * ]   [ * ]  [ * ]   [ * ]   [ * ]  [ * ]   [ * ]  [ * ]   [ * ]   [ * ]   [ * ]
USD
</TABLE>

                                     [ * ]

<TABLE>
<CAPTION>
          GROUP 1                     GROUP 2        GROUP 3                                  GROUP 4
------------------------------------------------------------------------------------------------------------------
<S>                  <C>              <C>            <C>             <C>               <C>             <C>
Austria              Monaco           Denmark        Czech           Albania           Estonia         Romania
Belgium              Netherlands      Finland        Republic        Armenia           Georgia         Russia
France               Portugal         Norway         Gibraltar       Azerbaijan        Iceland         Slovakia
Germany              Spain            Sweden         Greece          Bosnia-           Kazakhstan      Slovenia
Ireland              Switzerland                     Hungary         Herzegovina       Kyrgyzstan      Ukraine
Italy                UK                              Israel          Bulgaria          Latvia          Uzbekistan
Luxembourg                                           Malta           Croatia           Lithuania       Yugoslavia
                                                     Poland          Cyprus            Macedonia
                                                     Turkey
</TABLE>

<TABLE>
<CAPTION>
      GROUP 5            GROUP 6         GROUP 7        GROUP 8          GROUP 9          GROUP 10        GROUP 11
------------------------------------------------------------------------------------------------------------------
<S>                  <C>              <C>            <C>             <C>               <C>             <C>
USA                  Mexico           Australia      Malaysia        Guam              Bangladesh      Algeria
                     Puerto Rico      Hong Kong      New             Indonesia         China           Egypt
                                      Japan          Zealand         Philippines       Sri Lanka       Kenya
                                      Singapore      South Korea     Thailand                          South Africa
                                      Taiwan                         India
</TABLE>

<TABLE>
<CAPTION>
              GROUP 12                          GROUP 13                         GROUP 14                   ROW
------------------------------------------------------------------------------------------------------------------
<S>                  <C>              <C>            <C>             <C>               <C>             <C>
Bahrain              Oman             Argentina      El Salvador     Bahamas           Panama          Rest of
Kuwait               Pakistan         Bolivia        Guatemala       Dominican         Paraguay        World
Pakistan             UAE              Brazil         Honduras        Republic          Virgin
Lebanon                               Chile          Nicaragua       Haiti             Islands (US)
                                      Colombia       Peru            Netherland
                                      Costa Rica     Venezuela       Antilles
                                      Ecuador
</TABLE>

               iPASS/EQUANT CONFIDENTIAL - AMENDMENT NO. 8 - FINAL
                                       22

[ * ] Certain confidential information contained in this document, marked by
      brackets,is filed with the Securities and Exchange Commission pursuant to
      Rule 406 of the Securities Act of 1933, as amended.<PAGE>
                                                                   Exhibit 10.16

                             LOAN AND SECURITY AGREEMENT
                                     iPASS 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   Promise to Pay..................................................        4
      2.2   Overadvances....................................................        4
      2.3   Interest Rate, Payments.........................................        4
      2.4   Fees............................................................        5
3     CONDITIONS OF LOANS...................................................        5
      3.1   Conditions Precedent to Initial Credit Extension................        5
      3.2   Conditions Precedent to all Credit Extensions...................        5
4     CREATION OF SECURITY INTEREST.........................................        5
      4.1   Grant of Security Interest......................................        5
      4.2   Authorization of File...........................................        5
5     REPRESENTATIONS AND WARRANTIES........................................        6
      5.1   Due Organization and Authorization..............................        6
      5.2   Collateral......................................................        6
      5.3   Litigation......................................................        6
      5.4   No Material Adverse Change in Financial Statements..............        6
      5.5   Solvency........................................................        7
      5.6   Regulatory Compliance...........................................        7
      5.7   Subsidiaries....................................................        7
      5.8   Full Disclosure.................................................        7
6     AFFIRMATIVE COVENANTS.................................................        7
      6.1   Government Compliance...........................................        7
      6.2   Financial Statements, Reports, Certificates.....................        8
      6.3   Inventory; Returns..............................................        8
      6.4   Taxes...........................................................        8
      6.5   Insurance.......................................................        8
      6.6   Primary Accounts................................................        9
      6.7   Financial Covenants.............................................        9
      6.8   Registration of Intellectual Property Rights....................        9
      6.9   Further Assurances..............................................       10
7     NEGATIVE COVENANTS....................................................       10
      7.1   Dispositions....................................................       10
      7.2   Changes in Business, Ownership, Management or Locations of
            Collateral......................................................       10
      7.3   Mergers or Acquisitions.........................................       10
      7.4   Indebtedness....................................................       10
      7.5   Encumbrance.....................................................       10
      7.6   Distributions; Investments......................................       11
      7.7   Transactions with Affiliates....................................       11
      7.8   Subordinated Debt...............................................       11
      7.9   Compliance......................................................       11
8     EVENTS OF DEFAULT.....................................................       11
      8.1   Payment Default.................................................       11
      8.2   Covenant Default................................................       11
      8.3   Material Adverse Change.........................................       12
      8.4   Attachment......................................................       12
      8.5   Insolvency......................................................       12
      8.6   Other Agreements................................................       12
      8.7   Judgments.......................................................       12
      8.8   Misrepresentations..............................................       12
      8.9   Default Under Exim Loan.........................................       12
9     BANK'S RIGHTS AND REMEDIES............................................       12
</TABLE>
<PAGE>
<TABLE>
<S>                                                                               <C>
      9.1   Rights and Remedies.............................................       12
      9.2   Power of Attorney...............................................       13
      9.3   Accounts Collection.............................................       13
      9.4   Bank Expenses...................................................       14
      9.5   Bank's Liability for Collateral.................................       14
      9.6   Remedies Cumulative.............................................       14
      9.7   Demand Waiver...................................................       14
10    NOTICES...............................................................       14
11    CHOICE OF LAW , VENUE AND JURY TRIAL WAIVER...........................       14
12    GENERAL PROVISIONS....................................................       15
      12.1  Successors and Assigns..........................................       15
      12.2  Indemnification.................................................       15
      12.3  Time of Essence.................................................       15
      12.4  Severability of Provision.......................................       15
      12.5  Amendments in Writing, Integration..............................       15
      12.6  Counterparts....................................................       15
      12.7  Survival........................................................       15
      12.8  Confidentiality.................................................       16
      12.9  Attorneys' Fees, Costs and Expenses.............................       16
13    DEFINITIONS...........................................................       16
      13.1  Definitions.....................................................       16
</TABLE>
<PAGE>
      THIS LOAN AND SECURITY AGREEMENT dated September 4, 2001 between SILICON
VALLEY BANK ("Bank"), whose address is 3003 Tasman Drive, Santa Clara,
California 95054 and iPASS INC. ("Borrower"), whose address is 3800 Bridge
Parkway, Redwood Shores, California 94065 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.

2     LOAN AND TERMS OF PAYMENT

2.1   PROMISE TO PAY.

      Borrower promises to pay Bank the unpaid principal amount of all Credit
Extensions and interest on the unpaid principal amount of the Credit Extensions.

2.1.1 REVOLVING ADVANCES.

      (a) Bank will make Advances not exceeding the lesser of (A) the Committed
Revolving Line or (B) the Borrowing Base. Amounts borrowed under this Section
may be repaid and reborrowed without penalty or premium during the term of this
Agreement.

      (b) To obtain an Advance, Borrower must notify Bank by facsimile or
telephone by 12:00 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 and remain unpaid beyond the applicable grace period. Bank may rely on any
telephone notice given by a person whom Bank reasonably 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   OVERADVANCES.

      If Borrower's Obligations under Section 0 exceed the lesser of either (i)
the Committed Revolving Line or (ii) the Borrowing Base, Borrower must
immediately pay Bank the excess.

2.3   INTEREST RATE, PAYMENTS.

      (a) Interest Rate. Advances accrue interest on the outstanding principal
balance at a per annum rate of 1.5 percentage points above the Prime Rate. After
an Event of Default has occurred and while such Event of Default is continuing,
Obligations accrue interest at 5 percent above the rate effective immediately
before the Event of Default. The interest rate increases or decreases when the
Prime Rate changes. Interest is computed on a 360 day year for the actual number
of days elapsed.

      (b) Payments. Interest on the outstanding principal amount of the Advances
is payable on the 4th of each month. Bank may debit any of Borrower's deposit
accounts including
<PAGE>
Account Number 3300044078 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.

2.4   FEES.

      Borrower will pay:

      (a) Facility Fee. A fully earned, non-refundable Facility Fee of $30,000
due on the Closing Date, of which a Good Faith Deposit has been paid to Bank a
in the amount of $10,000 to initiate Bank's due diligence review process; and

      (b) Bank Expenses. All Bank Expenses incurred through and after the date
of this Agreement when due and payable in accordance with the terms of this
Agreement.

3     CONDITIONS OF LOANS

3.1   CONDITIONS PRECEDENT TO INITIAL CREDIT EXTENSION.

      Bank's obligation to make the initial Credit Extension is subject to the
condition precedent that (i) Borrower's debt to Comdisco and GATX is formally
subordinated to Bank, and (ii) the Loan Documents are executed by September 10,
2001.

3.2   CONDITIONS PRECEDENT TO ALL CREDIT EXTENSIONS.

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

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

      (b) the representations and warranties in Section 0 must be materially
true on the date of the Payment/Advance Form and on the effective date of each
Credit Extension and no Event of Default may have occurred and be continuing, or
result from the Credit Extension. Each Credit Extension is Borrower's
representation and warranty on that date that the representations and warranties
of Section 0 remain true in all material respects.

4     CREATION OF SECURITY INTEREST

4.1   GRANT OF SECURITY INTEREST.

      Borrower grants Bank a continuing security interest in all presently
existing and later acquired Collateral to secure all Obligations and performance
of each of Borrower's duties under the Loan Documents. Except for Permitted
Liens, any security interest will be a first priority security interest in the
Collateral. Upon the occurrence and during the continuance of an Event of
Default, Bank may place a "hold" on any deposit account pledged as Collateral.
If this Agreement is terminated, Bank's lien and security interest in the
Collateral will continue until Borrower fully satisfies its Obligations.

4.2        AUTHORIZATION OF FILE.
<PAGE>
      Borrower authorizes Bank to file financing statements without notice to
Borrower, with all appropriate jurisdictions, as Bank deems appropriate, in
order to perfect or protect Bank's interest in the 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. Borrower has not
changed its state of formation or its organizational structure or type or any
organizational number (if any) assigned by its jurisdiction of formation.

      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 reasonably be expected to cause a Material
Adverse Change.

5.2   COLLATERAL.

      Borrower has good title to the Collateral, free of Liens except Permitted
Liens. Borrower has no other deposit account, other than the deposit accounts
described in the Schedule. The Accounts are bona fide, existing obligations, and
the service or property has been performed or delivered to the account debtor or
its agent for immediate shipment to and unconditional acceptance by the account
debtor. The Collateral is not in the possession of any third party bailee (such
as at a warehouse); except for that certain equipment located at GLOBIX,
Corporation, not to exceed a value of $350,000. In the event that Borrower,
after the date hereof, intends to store or otherwise deliver the Collateral to
such a bailee, then Borrower will provide prior written notice to Bank and such
bailee must acknowledge in writing that the bailee is holding such Collateral
for the benefit of Borrower. Borrower has no actual knowledge of any actual or
imminent Insolvency Proceeding of any account debtor whose accounts are an
Eligible Account in any Borrowing Base Certificate. All Inventory is in all
material respects of good and marketable quality, free from material defects.
Borrower is the sole owner of the Intellectual Property, except for
non-exclusive licenses granted to its customers in the ordinary course of
business. each Patent is valid and enforceable and no part of the Intellectual
Property has been judged invalid or unenforceable, in whole or in part, and no
claim has been made that any part of the Intellectual Property violates the
rights of any third party, except to the extent such claim could not reasonably
be expected to cause a Material Adverse Change.

5.3   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 a likely adverse decision could
reasonably be expected to cause a Material Adverse Change.

5.4   NO MATERIAL ADVERSE CHANGE IN FINANCIAL STATEMENTS.

      All consolidated financial statements for Borrower, and any Subsidiary,
delivered to Bank fairly present in all material respects Borrower's
consolidated financial condition and Borrower's
<PAGE>
consolidated results of operations. There has not been any material
deterioration in Borrower's consolidated financial condition since the date of
the most recent financial statements submitted to Bank.

5.5   SOLVENCY.

      Borrower is able to pay its debts (including trade debts) as they mature.

5.6   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 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 Borrower's actual 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.

5.7   SUBSIDIARIES.

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

5.8   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
being 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 for so long as Bank has an
obligations to lend, or there are outstanding Obligations:

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 is reasonably
likely to have a
<PAGE>
material adverse effect on Borrower's business or operations or would reasonably
be expected to cause a Material Adverse Change.

6.2   FINANCIAL STATEMENTS, REPORTS, CERTIFICATES.

      (a) Borrower will deliver to Bank: (i) as soon as available, but no later
than 30 days after the last day of each month, a company prepared consolidated
balance sheet and income statement covering Borrower's consolidated operations
during the period certified by a Responsible Officer and in a form acceptable to
Bank; (ii) as soon as available, but no later than 120 days after the last day
of Borrower's fiscal year, audited consolidated financial statements prepared
under GAAP, consistently applied, together with an opinion which is unqualified
or otherwise consented to by Bank on the financial statements from an
independent certified public accounting firm reasonably acceptable to Bank;
(iii) a prompt report of any legal actions pending or threatened against
Borrower or any Subsidiary that could result in damages or costs to Borrower or
any Subsidiary of $500,000 or more; (iv) budgets, sales projections, operating
plans or other financial information Bank reasonably requests; and (v) prompt
notice of any material change in the composition of the Intellectual Property,
including any subsequent ownership right of Borrower in or to any Copyright,
Patent or Trademark not shown in any intellectual property security agreement
between Borrower and Bank or knowledge of an event that materially adversely
affects the value of the Intellectual Property.

      (b) Within 20 days after the last day of each month, Borrower will deliver
to Bank a Borrowing Base Certificate signed by a Responsible Officer in the form
of Exhibit C, with aged listings of accounts receivable and accounts payable.

      (c) Within 30 days after the last day of each month, Borrower will deliver
to Bank with the monthly financial statements a Compliance Certificate signed by
a Responsible Officer in the form of Exhibit D.

      (d) Allow Bank to audit Borrower's Collateral at Borrower's expense. Such
audits will be conducted no more often than once every 6 months unless an Event
of Default has occurred and is continuing.

6.3   INVENTORY; RETURNS.

      Borrower will keep all Inventory in good and marketable condition, free
from material defects. Returns and allowances between Borrower and its account
debtors will follow Borrower's customary practices as they exist at execution of
this Agreement. Borrower must promptly notify Bank of all returns, recoveries,
disputes and claims, that involve more than $100,000.

6.4   TAXES.

      Borrower will make, and cause each Subsidiary to make, timely payment of
all material federal, state, and local taxes or assessments (unless contested in
good faith with adequate reserves under GAAP) and will deliver to Bank, on
demand, appropriate certificates attesting to the payment.

6.5   INSURANCE.

      Borrower will keep its business and the Collateral insured for risks and
in amounts, as is customary for company's in Borrower's industry and locale.
Insurance policies will be in a form, with companies, and in amounts that are
customary for company's in Borrower's industry and locale. All property policies
will have a lender's loss payable endorsement showing Bank as an
<PAGE>
additional loss payee and all liability policies will show the Bank as an
additional insured and provide that the insurer must give Bank at least 20 days
notice before canceling its policy. At Bank's request, Borrower will deliver
certified copies of policies and evidence of all premium payments. If no Event
of Default has occurred and is continuing, proceeds payable under any casualty
policy will, at Borrower's option, be payable to Borrower to replace the
property subject to the claim, provided that any such replacement property shall
be deemed Collateral in which Bank has been granted a first priority security
interest. If an Event of Default has occurred and is continuing, then, at Bank's
option, proceeds payable under any policy will be payable to Bank on account of
the Obligations

6.6   PRIMARY ACCOUNTS.

      Borrower shall maintain its primary operating accounts with Bank. In
addition, Borrower will maintain a majority of the its cash and investments in
accounts maintained or through Bank's investment group.

6.7   FINANCIAL COVENANTS.

      Borrower will maintain as of the last day of each month:

            (i) QUICK RATIO. A ratio of Quick Assets to Current Liabilities of
at least 1.35 to 1.00.

            (ii) PERFORMANCE TO PLAN. Borrower will maintain a rolling three
month average of operating losses (excluding all non-cash stock compensation
expenses) not to exceed the following: $2,945,000 for the month ending June 30,
2001, $2,500,000 for the month ending July 31, 2001, $2,282,000 for the month
ending August 31, 2001, $1,968,000 for the month ending September 30, 2001,
$1,400,000 for the month ending October 31, 2001, $1,015,000 for the month
ending November 31, 2001, $1,000,000 for the month ending December 31, 2001,
$900,000 for the month ending January 31, 2002, $800,000 February 28, 2002,
$600,000 for the month ending March 31, 2002 and $400,000 for the month ending
April 30, 2002, and breakeven thereafter.

            (iii) TOTAL REVENUE. Borrower will maintain a rolling three month
average, (tested monthly), of total revenue not less than the following:
$3,035,000 for the month ending June 30, 2001, $3,250,000 for the month ending
July 31, 2001, $3,500,000 for the month ending August 31, 2001, $3,870,000 for
the month ending September 30, 2001, $4,365,000 for the month ending October 31,
2001, $4,720,000 for the month ending November 31, 2001, $4,990,000 for the
month ending December 31, 2001, $5,080,000 for the month ending January 31,
2002, $5,185,000 February 28, 2002, $5,540,000 for the month ending March 31,
2002, $5,900,000 for the month ending April 30, 2002, $6,480,000 for the month
ending May 31, 2002 and $6,385,000 for the month ending June 30, 2002.

6.8   REGISTRATION OF INTELLECTUAL PROPERTY RIGHTS.

      Borrower will register with the United States Patent and Trademark Office
or the United States Copyright Office its Intellectual Property material to the
Borrower's business within 30 days of the date of this Agreement, and additional
material Intellectual Property rights developed or acquired including revisions
or additions with any product before the sale or licensing of the product to any
third party.

      Except where the failure to do so would not reasonably be expected to
cause a Material Adverse Change, Borrower will (i) protect, defend and maintain
the validity and enforceability of the Intellectual Property and promptly advise
Bank in writing of material infringements known to
<PAGE>
Borrower and (ii) not allow any Intellectual Property to be abandoned, forfeited
or dedicated to the public without Bank's written consent.

6.9   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

      Borrower will not do any of the following without Bank's prior written
consent, which will not be unreasonably withheld, for so long as Bank has an
obligation to lend and there are any outstanding Obligations:

7.1   DISPOSITIONS.

      Convey, sell, lease, transfer or otherwise dispose of (collectively
"Transfer"), or permit any of its Subsidiaries to Transfer, all or any part of
its business or property, except for Transfers (i) of Inventory in the ordinary
course of business; (ii) of non-exclusive licenses and similar arrangements for
the use of the property of Borrower or its Subsidiaries in the ordinary course
of business; (iii) of worn-out or obsolete Equipment or (iv) Equipment with a
fair market value of less than $50,000.

7.2   CHANGES IN BUSINESS, OWNERSHIP, MANAGEMENT OR LOCATIONS OF COLLATERAL.

      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 or management of greater than
25% (other than by the sale of Borrower's equity securities in a public offering
and thereafter or to venture capital investors so long as Borrower identifies
the venture capital investors prior to the closing of the investment). Borrower
will not, without at least 10 days prior written notice, relocate its chief
executive office, change its state of formation (including reincorporation),
change its organizational number or name or add any new offices or business
locations (such as warehouses) in which Borrower maintains or stores over
$50,000 in Collateral.

7.3   MERGERS OR ACQUISITIONS.

      Merge or consolidate, or permit any of its Subsidiaries to merge or
consolidate, with any other Person, or acquire, or permit any of its
Subsidiaries to acquire, all or substantially all of the capital stock or
property of another Person, except where (i) no Event of Default has occurred
and is continuing or would result from such action during the term of this
Agreement and (ii) such transaction would not result in a decrease of more than
25% of Tangible Net Worth. A Subsidiary may merge or consolidate into another
Subsidiary or into Borrower.

7.4   INDEBTEDNESS.

      Create, incur, assume, or be liable for any Indebtedness, or permit any
Subsidiary to do so, other than Permitted Indebtedness.

7.5   ENCUMBRANCE.

      Create, incur, or allow any Lien on any of its property, or assign or
convey any right to receive income, including the sale of any Accounts, or
permit any of its Subsidiaries to do so,
<PAGE>
except for Permitted Liens, or permit any Collateral not to be subject to the
first priority security interest granted here, subject to Permitted Liens.

7.6   DISTRIBUTIONS; INVESTMENTS.

      Directly or indirectly acquire or own any Person, or make any Investment
in any Person, other than Permitted Investments, or permit any of its
Subsidiaries to do so; or (ii) pay any dividends or make any distribution or
payment or redeem, retire or purchase any capital stock, except for repurchases
of stock from former employees or directors of Borrower under the terms of
applicable repurchase agreements that do not involve cash or stock option
programs that in an aggregate amount not to exceed $50,000 in any fiscal year,
provided that no Event of Default has occurred, is continuing or would exist
after giving effect to the repurchases.

7.7   TRANSACTIONS WITH AFFILIATES.

      Directly or indirectly enter into or permit to exist any material
transaction with any Affiliate of Borrower except for transactions that are in
the ordinary course of Borrower's business, upon fair and reasonable terms that
are no less favorable to Borrower than would be obtained in an arm's length
transaction with a nonaffiliated Person.

7.8   SUBORDINATED DEBT.

      Make or permit any payment on any Subordinated Debt, except under the
terms of the Subordinated Debt, or amend any provision respecting the terms of
repayment in any document relating to the Subordinated Debt without Bank's prior
written consent.

7.9   COMPLIANCE.

      Undertake as one of its important activities extending credit to purchase
or carry margin stock, or use the proceeds of any Credit Extension 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 reasonably 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 business days
after their due date. During the additional period the failure to cure the
default is not an Event of Default (but no additional Credit Extension will be
made during the cure period);

8.2   COVENANT DEFAULT.

      If Borrower does not perform any obligation in Section 6 or 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 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
Borrower becomes aware thereof, 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
<PAGE>
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 additional Credit Extensions
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, or (ii) is a material
impairment of the prospect of repayment of the Obligations taken as a whole; or
(iii) is a material impairment of the value (other than as a result of ordinary
wear and tear and and depreciation under GAPP or priority of Bank's security
interests in the Collateral.

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 30 days
after Borrower receives notice. These are not Events of Default if stayed or if
a bond is posted pending contest by Borrower (but no additional Credit
Extensions 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 additional Credit Extensions 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
$250,000 or that could cause a Material Adverse Change;

8.7   JUDGMENTS.

      If a money judgment(s) in the aggregate of at least $100,000 is rendered
against Borrower and is unsatisfied and unstayed for 45 days (but no additional
Credit Extensions 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.

8.9   DEFAULT UNDER EXIM LOAN.

      A default occurs under the Exim Loan Agreement.

9     BANK'S RIGHTS AND REMEDIES

9.1   RIGHTS AND REMEDIES.
<PAGE>
      When an Event of Default occurs and continues Bank may, without notice or
demand, do any or all of the following:

      (a) Declare all Obligations immediately due and payable (but if an Event
of Default described in Section 0 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) Settle or adjust disputes and claims directly with account debtors for
amounts, on terms and in any order that is commercially reasonable and Bank
considers advisable;

      (d) Make any payments and do any acts it considers necessary or reasonable
to protect its security interest in the Collateral. Borrower will assemble the
Collateral if Bank requires and make it available as Bank designates. Bank may
enter premises where the Collateral is located, take and maintain possession of
any part of the Collateral, and pay, purchase, contest, or compromise any Lien
which appears to be prior or superior to its security interest and pay all
expenses incurred. Borrower grants Bank a license to enter and occupy any of its
premises, without charge, to exercise any of Bank's rights or remedies;

      (e) 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;

      (f) Ship, reclaim, recover, store, finish, maintain, repair, prepare for
sale, advertise for sale, and sell the Collateral. Bank is granted a
non-exclusive, royalty-free license or other right to use, without charge,
Borrower's labels, Patents, Copyrights, Mask Works, rights of use of any name,
trade secrets, trade names, Trademarks, service marks, and advertising matter,
or any similar property as it pertains to the Collateral, in completing
production of, advertising for sale, and selling any Collateral and, in
connection with Bank's exercise of its rights under this Section, Borrower's
rights under all licenses and all franchise agreements inure to Bank's benefit;
and

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

9.2   POWER OF ATTORNEY.

      Effective only when an Event of Default occurs and continues, Borrower
irrevocably appoints Bank as its lawful attorney to: (i) endorse Borrower's name
on any checks or other forms of payment or security; (ii) sign Borrower's name
on any invoice or bill of lading for any Account or drafts against account
debtors, (iii) make, settle, and adjust all claims under Borrower's insurance
policies; (iv) settle and adjust disputes and claims about the Accounts directly
with account debtors, for amounts and on terms Bank determines reasonable; and
(v) transfer the Collateral into the name of Bank or a third party as the Code
permits. Bank may exercise the power of attorney to sign Borrower's name on any
documents necessary to perfect or continue the perfection of any security
interest regardless of whether an Event of Default has occurred. Bank's
appointment as Borrower's attorney in fact, and all of Bank's rights and powers,
coupled with an interest, are irrevocable until all Obligations have been fully
repaid and performed and Bank's obligation to provide Credit Extensions
terminates.

9.3   ACCOUNTS COLLECTION.

      When an Event of Default occurs and continues, Bank may notify any Person
owing Borrower money of Bank's security interest in the funds and verify the
amount of the Account. Borrower must collect all payments in trust for Bank and,
if requested by Bank, immediately
<PAGE>
deliver the payments to Bank in the form received from the account debtor, with
proper endorsements for deposit.

9.4   BANK EXPENSES.

      If Borrower fails to pay any amount or furnish any required proof of
payment to third persons, Bank may make all or part of the payment or obtain
insurance policies required in Section 6.5, and take any action under the
policies Bank deems prudent in its reasonable judgment. Any amounts paid by Bank
are Bank Expenses and immediately due and payable, bearing interest at the then
applicable rate and secured by the Collateral. No payments by Bank are deemed an
agreement to make similar payments in the future or Bank's waiver of any Event
of Default.

9.5   BANK'S LIABILITY FOR COLLATERAL.

      If Bank complies with reasonable banking practices and the Code, it is not
liable for: (a) the safekeeping of the Collateral; (b) any loss or damage to the
Collateral; (c) any diminution in the value of the Collateral; or (d) any act or
default of any carrier, warehouseman, bailee, or other person. Borrower bears
all risk of loss, damage or destruction of the Collateral when in Borrower's
possession and control.

9.6   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.

9.7   DEMAND WAIVER.

      Borrower waives demand, notice of default or dishonor, notice of payment
and nonpayment, notice of any default, nonpayment at maturity, release,
compromise, settlement, extension, or renewal of accounts, documents,
instruments, chattel paper, and guarantees held by Bank on which Borrower is
liable.

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
<PAGE>
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.

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, in each case, 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 0 to indemnify Bank will survive until all statutes of
limitations for actions that may be brought against Bank have run.
<PAGE>
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 (provided, however, Bank shall use
commercially reasonable efforts in obtaining such prospective transferee or
purchasers agreement of the terms of this provision), (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.

      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:

      "ACCOUNTS" are all existing and later arising accounts, contract rights,
and other obligations owed Borrower in connection with its sale or lease of
goods (including licensing software and other technology) or provision of
services, all credit insurance, guaranties, other security and all merchandise
returned or reclaimed by Borrower and Borrower's Books relating to any of the
foregoing, as such definition may be amended from time to time according to the
Code.

      "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.

      "BORROWING BASE" is the lesser of (i) 75% of Eligible Accounts or (ii)
$4,000,000, as determined by Bank from Borrower's most recent Borrowing Base
Certificate; provided, however, that Bank may in its reasonable discretion lower
the percentage of Eligible Accounts after performing an audit of Borrower's
Collateral.
<PAGE>
      "BUSINESS DAY" is any day that is not a Saturday, Sunday or a day on which
the Bank is closed.

      "CLOSING DATE" is the date of this Agreement.

      "CODE" is the California Uniform Commercial Code, as applicable.

      "COLLATERAL" is the property described on Exhibit A.

      "COMMITTED REVOLVING LINE" is an Advance or Advances of up to $4,000,000.

      "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.

      "COPYRIGHTS" are all copyright rights, applications or registrations and
like protections in each work or authorship or derivative work, whether
published or not (whether or not it is a trade secret) now or later existing,
created, acquired or held.

      "CREDIT EXTENSION" is each Advance, Exim Advance, or any other extension
of credit by Bank for Borrower's benefit.

      "CURRENT LIABILITIES" are the aggregate amount of Borrower's Total
Liabilities which mature within one (1) year.

      "ELIGIBLE ACCOUNTS" are Accounts in the ordinary course of Borrower's
business that meet all Borrower's representations and warranties in Section 5;
but Bank may change eligibility standards by giving Borrower notice. Unless Bank
agrees otherwise in writing, Eligible Accounts will not include:

      (a) Accounts that the account debtor has not paid within 90 days of
      invoice date;

      (b) Accounts for an account debtor, 50% or more of whose Accounts have not
      been paid within 90 days of invoice date;

      (c)   Credit balances over 90 days from invoice date;

      (d) Accounts for an account debtor, including Affiliates, whose total
      obligations to Borrower exceed 25% of all Accounts, for the amounts that
      exceed that percentage, unless the Bank approves in writing;

      (e) Accounts for which the account debtor does not have its principal
      place of business in the United States;

      (f)   Accounts for which the account debtor is a federal, state or local
      government entity or any department, agency, or instrumentality;
<PAGE>
      (g) Accounts for which Borrower owes the account debtor, but only up to
      the amount owed (sometimes called "contra" accounts, accounts payable,
      customer deposits or credit accounts);

      (h) Accounts for demonstration or promotional equipment, or in which goods
      are consigned, sales guaranteed, sale or return, sale on approval, bill
      and hold, or other terms if account debtor's payment may be conditional;

      (i) Accounts for which the account debtor is Borrower's Affiliate,
      officer, employee, or agent;

      (j) Accounts in which the account debtor disputes liability or makes any
      claim and Bank believes there may be a basis for dispute (but only up to
      the disputed or claimed amount), or if the Account Debtor is subject to an
      Insolvency Proceeding, or becomes insolvent, or goes out of business;

      (k) Accounts for which Bank reasonably determines collection to be
      doubtful.

      "EQUIPMENT" is all present and future machinery, equipment, tenant
improvements, furniture, fixtures, vehicles, tools, parts and attachments in
which Borrower has any interest.

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

      "EXIM LOAN AGREEMENT" is that certain Export-Import Bank Loan and Security
Agreement, dated July 27, 2001, by and between Borrower and Bank.

      "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.

      "INTELLECTUAL PROPERTY" is all of Borrower's:

      (a) Copyrights, Trademarks, Patents, and Mask Works including amendments,
renewals, extensions, and all licenses or other rights to use and all license
fees and royalties from the use;

      (b) Any trade secrets and any intellectual property rights in computer
software and computer software products now or later existing, created, acquired
or held;

      (c) All design rights which may be available to Borrower now or later
created, acquired or held;

      (d) Any claims for damages (past, present or future) for infringement of
any of the rights above, with the right, but not the obligation, to sue and
collect damages for use or infringement of the intellectual property rights
above;

      All proceeds and products of the foregoing, including all insurance,
indemnity or warranty payments.
<PAGE>
      "INVENTORY" is present and future inventory in which Borrower has any
interest, including merchandise, raw materials, parts, supplies, packing and
shipping materials, work in process and finished products intended for sale or
lease or to be furnished under a contract of service, of every kind and
description now or later owned by or in the custody or possession, actual or
constructive, of Borrower, including inventory temporarily out of its custody or
possession or in transit and including returns on any accounts or other proceeds
(including insurance proceeds) from the sale or disposition of any of the
foregoing and any documents of title.

      "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.

      "MASK WORKS" are all mask works or similar rights available for the
protection of semiconductor chips, now owned or later acquired.

      "MATERIAL ADVERSE CHANGE" is defined in Section 0.

      "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.

      "PATENTS" are patents, patent applications and like protections, including
improvements, divisions, continuations, renewals, reissues, extensions and
continuations-in-part of the same.

      "PERMITTED INDEBTEDNESS" is:

      (a) Borrower's indebtedness to Bank under this Agreement or any other Loan
Document;

      (b) Indebtedness existing on the Closing Date and shown on the Schedule;

      (c) Subordinated Debt;

      (d) Indebtedness to trade creditors incurred in the ordinary course of
business;

      (e) Indebtedness secured by Permitted Liens;

      (f) Indebtedness outstanding to Phoenix Leasing Incorporated not to exceed
more than 2,000,000 and Wells Fargo Equipment Finance, Inc. not to exceed more
than 3,000,000. or any of their respective successors or assigns;

      (g) Indebtedness of Borrower not to exceed more than 1,000,000 to any
Subsidiary and Contingent Obligations of any Subsidiary with respect to
obligations of Borrower (provided that the primary obligations are not
prohibited hereby), and Indebtedness of any Subsidiary to any other Subsidiary
and Contingent Obligations of any Subsidiary with respect to obligations of any
other Subsidiary (provided that the primary obligations are not prohibited
hereby);
<PAGE>
      "PERMITTED INVESTMENTS" are:

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

      (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 & Poor's Corporation
or Moody's Investors Service, Inc., and (iii) Bank's certificates of deposit
issued maturing no more than 1 year after issue;

      (c) Investments consisting of notes receivable of, or prepaid royalties
and other credit extensions, to customers and suppliers who are not Affiliates,
in the ordinary course of business;

      (d) Investments consisting of Borrower's accounts receivable in the
ordinary course of business;

      (e) Investments consisting of loans to employees, officers or directors
relating to (i) the purchase of equity securities of Borrower or its
Subsidiaries pursuant to Borrower's employee stock purchase plans or agreements
or (ii) Borrower's compensation or relocation plans or agreements, each as
approved in good faith by Borrower's board of directors; not to exceed $50,000.

      (f) Investments in accordance with Borrower's investment policies as
approved in good faith by Borrower's board of directors.

      "PERMITTED LIENS" are:

      (a) Liens existing on the Closing Date and shown on the Schedule or
arising under this Agreement or other Loan Documents;

      (b) Liens for taxes, fees, assessments or other government charges or
levies, either not delinquent or being contested in good faith and for which
Borrower maintains adequate reserves on its Books, if they have no priority over
any of Bank's security interests;

      (c) Liens upon any equipment or other personal property acquired by
Borrower after the date hereof to secure (i) the purchase price of such
equipment or other personal property or (ii) lease obligations or indebtedness
incurred solely for the purpose of financing the acquisition of such equipment
or other personal property; provided that (A) such Liens are confined solely to
the equipment or other personal property so acquired and the amount secured does
not exceed the acquisition price thereof, and (B) no such Lien shall be created,
incurred, assumed or suffered to exist in favor of Borrower's officers,
directors or shareholders holding five percent (5%) or more of Borrower's Equity
Securities;

      (d) Licenses or sublicenses granted in the ordinary course of Borrower's
business and any interest or title of a licensor or under any license or
sublicense, if the licenses and sublicenses permit granting Bank a security
interest;

      (e) Leases or subleases granted in the ordinary course of Borrower's
business, including in connection with Borrower's leased premises or leased
property;

      (f) Liens incurred in the extension, renewal or refinancing of the
indebtedness secured by Liens described in (a) through (c), but any extension,
renewal or replacement Lien must be limited to the property encumbered by the
existing Lien and the principal amount of the indebtedness may not increase.
<PAGE>
      (g)   Liens in favor of Bank;

      (h) Liens arising from judgments, decrees or attachments in circumstances
not constituting an Event of Default under Section 8.7;

      (i)   Liens in connection with Subordinated Debt;

      "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.

      "PRIME RATE" is Bank's most recently announced "prime rate," even if it is
not Bank's lowest rate.

      "QUICK ASSETS" is, on any date, the Borrower's consolidated, unrestricted
cash, cash equivalents and net billed accounts receivable determined according
to GAAP.

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

      "REVOLVING MATURITY DATE" is September 4, 2002.

      "SCHEDULE" is any attached schedule of exceptions.

      "SUBORDINATED DEBT" is debt incurred by Borrower subordinated to
Borrower's indebtedness owed to Bank and which is reflected in a written
agreement in a manner and form acceptable to Bank and approved by Bank in
writing.

      "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.

      "TANGIBLE NET WORTH" is, on any date, the consolidated total assets of
Borrower and its Subsidiaries minus, (i) any amounts attributable to (a)
goodwill, (b) intangible items such as unamortized debt discount and expense,
Patents, trade and service marks and names, Copyrights and research and
development expenses except prepaid expenses, and (c) reserves not already
deducted from assets, and (ii) Total Liabilities.

      "TOTAL LIABILITIES" is on any day, obligations that should, under GAAP, be
classified as liabilities on Borrower's consolidated balance sheet, including
all Indebtedness, and current portion Subordinated Debt allowed to be paid, but
excluding all other Subordinated Debt.

      "TRADEMARKS" are trademark and servicemark rights, registered or not,
applications to register and registrations and like protections, and the entire
goodwill of the business of Assignor connected with the trademarks.
<PAGE>
BORROWER:

IPass Inc.

By:    /s/  Donald McCauley
       -----------------------------
Title: VP & CFO

BANK:

SILICON VALLEY BANK

By:    /s/  Tim Walsh
       -----------------------------
Title: SVP
<PAGE>
                                    EXHIBIT A

      The Collateral consists of all of Borrower's right, title and interest in
and to the following:

      All goods and equipment now owned or hereafter acquired, including,
without limitation, all machinery, fixtures, vehicles (including motor vehicles
and trailers), and any interest in any of the foregoing, and all attachments,
accessories, accessions, replacements, substitutions, additions, and
improvements to any of the foregoing, wherever located;

      All inventory, now owned or hereafter acquired, including, without
limitation, all merchandise, raw materials, parts, supplies, packing and
shipping materials, work in process and finished products including such
inventory as is temporarily out of Borrower's custody or possession or in
transit and including any returns upon any accounts or other proceeds, including
insurance proceeds, resulting from the sale or disposition of any of the
foregoing and any documents of title representing any of the above;

      All contract rights and general intangibles (as such definitions may be
amended from time to time according to the Code), now owned or hereafter
acquired, including, without limitation, goodwill, trademarks, servicemarks,
trade styles, trade names, patents, patent applications, leases, license
agreements, franchise agreements, blueprints, drawings, purchase orders,
customer lists, route lists, infringements, claims, computer programs, computer
discs, computer tapes, literature, reports, catalogs, design rights, income tax
refunds, payments of insurance and rights to payment of any kind,;

      All now existing and hereafter arising accounts, contract rights,
royalties, license rights and all other forms of obligations owing to Borrower
arising out of the sale or lease of goods, the licensing of technology or the
rendering of services by Borrower (as such definitions may be amended from time
to time according to the Code) whether or not earned by performance, and any and
all credit insurance, insurance (including refund) claims and proceeds,
guaranties, and other security therefor, as well as all merchandise returned to
or reclaimed by Borrower;

      All documents, cash, deposit accounts, securities, securities
entitlements, securities accounts, investment property, financial assets,
letters of credit, letter of credit rights, certificates of deposit, instruments
and chattel paper and electronic chattel paper now owned or hereafter acquired
and Borrower's Books relating to the foregoing;

      All copyright rights, copyright applications, copyright registrations and
like protections in each work of authorship and derivative work thereof, whether
published or unpublished, now owned or hereafter acquired; all trade secret
rights, including all rights to unpatented inventions, know-how, operating
manuals, license rights and agreements and confidential information, now owned
or hereafter acquired; all mask work or similar rights available for the
protection of semiconductor chips, now owned or hereafter acquired; all claims
for damages by way of any past, present and future infringement of any of the
foregoing; and

      All Borrower's Books relating to the foregoing and any and all claims,
rights and interests in any of the above and all substitutions for, additions
and accessions to and proceeds thereof.

      Notwithstanding the foregoing, the security interest granted herein does
not extend to and the term "Collateral" does not include any (a) intent-to-use
trademark applications or (c) license or contract rights to the extent (i) the
granting of a security interest in it would be contrary to applicable law, or
(ii) that such rights are nonassignable by their terms (but only to the extent
such prohibition is enforceable under applicable law) without consent of the
licensor or other party (but only to the extent such consent has not been
obtained).
<PAGE>
                                      EXHIBIT B

LOAN PAYMENT/ADVANCE REQUEST FORM
DEADLINE FOR SAME DAY PROCESSING IS 12:00 P.S.T.
FAX TO:                                                DATE:
--------------------------------------------------------------------------------
/ /LOAN PAYMENT:
                                     IPass Inc.

   From Account #                               To Account #
                     ------------------------               --------------------
                     (Deposit Account #)                       (Loan Account #)

   Principal $                       and/or Interest $
              ----------------------                   ------------------------
   All Borrower's representation and warranties in the Loan and Security
   Agreement are true, correct and complete in all material respects on the date
   of the telephone transfer request for and advance, but those representations
   and warranties expressly referring to another date shall be true, correct and
   complete in all material respects as of such date:

   AUTHORIZED SIGNATURE:                           Phone Number:
                         ------------------------               ----------------
--------------------------------------------------------------------------------
/ / LOAN ADVANCE:
   COMPLETE OUTGOING WIRE REQUEST SECTION BELOW IF ALL OR A PORTION OF THE FUNDS
   FROM THIS LOAN ADVANCE ARE FOR AN OUTGOING WIRE.

   From Account #                               To Account #
                     ------------------------               --------------------
                        (Loan Account #)                     (Deposit Account #)

   Amount of Advance $
                      -----------------------
   All Borrower's representation and warranties in the Loan and Security
   Agreement are true, correct and complete in all material respects on the date
   of the telephone transfer request for and advance, but those representations
   and warranties expressly referring to another date shall be true, correct and
   complete in all material respects as of such date:

   AUTHORIZED SIGNATURE:                                     Phone Number:
                         ------------------------               ----------------
--------------------------------------------------------------------------------
  OUTGOING WIRE REQUEST

  COMPLETE ONLY IF ALL OR A PORTION OF FUNDS FROM THE LOAN ADVANCE ABOVE ARE TO
  BE WIRED.
Deadline for same day processing is 12:00pm, P.S.T.

  Beneficiary Name:                           Amount of Wire: $
  Beneficiary Bank:                           Account Number:
  City and Sate:
  Beneficiary Bank Transit (ABA) #:           Beneficiary Bank Code
                                                 (Swift, Sort, Chip, etc.):
                                              (FOR INTERNATIONAL WIRE ONLY)

  Intermediary Bank:                          Transit (ABA) #:
  For Further Credit to:
  Special Instruction:

  By signing below, I (we) acknowledge and agree that my (our) funds transfer
  request shall be processed in accordance with and subject to the terms and
  conditions set forth in the agreements(s) covering funds transfer service(s),
  which agreements(s) were previously received and executed by me (us).

<TABLE>
<S>                                          <C>
  Authorized Signature:                      2nd Signature (If Required):
                       ------------------                                ---------------------
  Print Name/Title:                          Print Name/Title:
                   ----------------------                      -------------------------------
  Telephone #                                Telephone #
              ---------------------------                 ------------------------------------
</TABLE>
<PAGE>
                        Schedule to Loan and Security Agreement

      The exact correct corporate name of Borrower is (attach a copy of the
      formation documents, e.g., articles, partnership agreement):_________

      Borrower's State of formation:  _________________________________

      Borrower has operated under only the following other names (if none, so
      state):

      __________________________________________________________________________

      All other address at which the Borrower does business are as follows
      (attach additional sheets if necessary and include all warehouse
      addresses):

      __________________________________________________________________________

      Borrower has deposit accounts and/or investment accounts located only at
      the following institutions:

      __________________________________________________________________________

      List Acct.
      Numbers:_______________________________________________________________

      Liens existing on the Closing Date and disclosed to and accepted by Bank
      in writing:

      __________________________________________________________________________

      __________________________________________________________________________

      Investments existing on the Closing Date and disclosed to and accepted by
      Bank in writing:

      __________________________________________________________________________

      __________________________________________________________________________

      SUBORDINATED DEBT:

      Indebtedness on the Closing Date and disclosed to and consented to by Bank
      in writing:

      __________________________________________________________________________

      __________________________________________________________________________

      __________________________________________________________________________

      The following is a list of the Borrower's copyrights (including copyrights
      of software) which are registered with the United States Copyright Office.
      (Please include name of the copyright and registration number and attach a
      copy of the registration):

      __________________________________________________________________________

      The following is a list of all software which the Borrower sells,
      distributes or licenses to others, which is not registered with the United
      States Copyright Office. (Please include versions which are not
      registered:

      __________________________________________________________________________

      The following is a list of all of the Borrower's patents which are
      registered with the United States Patent Office. (Please include name of
      the patent and registration number and attach a copy of the
      registration.): __________________________________________________________

      The following is a list of all of the Borrower's patents which are pending
      with the United States Patent Office. (Please include name of the patent
      and a copy of the application.):__________________________________________
<PAGE>
      The following is a list of all of the Borrower's registered trademarks.
      (Please include name of the trademark and a copy of the registration.):

      __________________________________________________________________________

      Borrower is not subject to litigation which would have a material adverse
      effect on the Borrower's financial condition, except the following (attach
      additional comments, if needed):

      __________________________________________________________________________

      __________________________________________________________________________

      Tax ID Number ___________________________________________

      Organizational Number, if any:______________________________
<PAGE>
                                    EXHIBIT C
                           BORROWING BASE CERTIFICATE

Borrower: IPass Inc.                                 Bank: Silicon Valley Bank
                                                           3003 Tasman Drive
                                                           Santa Clara, CA 95054
Commitment Amount:      $4,000,000

<TABLE>
<S>                                                         <C>          <C>
ACCOUNTS RECEIVABLE
1.    Accounts Receivable Book Value as of ____________                  $
2.    Additions (please explain on reverse)                              $
3.    TOTAL ACCOUNTS RECEIVABLE                                          $

ACCOUNTS RECEIVABLE DEDUCTIONS (without duplication)
4.    Amounts over 90 days due                              $
5.    Balance of 50% over 90 day accounts                   $
6.    Credit balances over 90 days                          $
7.    Concentration Limits                                  $
8.    Foreign Accounts                                      $
9.    Governmental Accounts                                 $
10.   Contra Accounts                                       $
11.   Promotion or Demo Accounts                            $
12.   Intercompany/Employee Accounts                        $
13.   Other (please explain on reverse)                     $
14.   TOTAL ACCOUNTS RECEIVABLE DEDUCTIONS                               $
15.   Eligible Accounts (#3 minus #14)                                   $
16.   LOAN VALUE OF ACCOUNTS (75% of #15)                                $

BALANCES
17.   Maximum Loan Amount                                   $
18.   Total Funds Available [Lesser of #17 or (#16)]                     $
19.   Present balance owing on Line of Credit               $
20.   Outstanding under Sublimits (  )                      $
21.   RESERVE POSITION (#18 minus #19 and #20)                           $
</TABLE>

The undersigned represents and warrants that this is true, complete and correct,
and that the information in this Borrowing Base Certificate complies with the
representations and warranties in the Loan and Security Agreement between the
undersigned and Silicon Valley Bank.

COMMENTS:
                                                              BANK USE ONLY
                                                           _____________________

IPass Inc.
                                                           Rec'd By:____________
                                                                    Auth. Signer
By:   _______________________________                      Date:________________
      Authorized Signer
                                                           Verified:____________
                                                                    Auth. Signer
                                                           Date:________________
<PAGE>
                                    EXHIBIT D
                             COMPLIANCE CERTIFICATE

TO:   SILICON VALLEY BANK
      3003 Tasman Drive
      Santa Clara, CA 95054

FROM: iPASS INC.

      The undersigned authorized officer of IPass Inc. ("Borrower") certifies
that under the terms and conditions of the Loan and Security Agreement between
Borrower and Bank (the "Agreement"), (i) Borrower is in complete compliance for
the period ending _______________ with all required covenants except as noted
below and (ii) all representations and warranties in the Agreement are true and
correct in all material respects on this date. Attached are the required
documents supporting the certification. The Officer certifies that these are
prepared in accordance with Generally Accepted Accounting Principles (GAAP)
consistently applied from one period to the next except as explained in an
accompanying letter or footnotes. The Officer acknowledges that no borrowings
may be requested at any time or date of determination that Borrower is not in
compliance with any of the terms of the Agreement, and that compliance is
determined not just at the date this certificate is delivered.

       PLEASE INDICATE COMPLIANCE STATUS BY CIRCLING YES/NO UNDER "COMPLIES"
COLUMN.

<TABLE>
<CAPTION>
      REPORTING COVENANT                  REQUIRED                             COMPLIES
      ------------------                  --------                             --------

<S>                                       <C>                                 <C>       <C>
      Monthly financial statements + CC   Monthly within 30 days              Yes       No
      Annual (Audited)                    FYE within 120 days                 Yes       No
      A/R & A/P Agings + BBC              Monthly within 20 days              Yes       No
      A/R Audit                           Initial and Semi-Annual             Yes       No
</TABLE>

<TABLE>
<CAPTION>
      FINANCIAL COVENANT                  REQUIRED          ACTUAL             COMPLIES
      ------------------                  --------          ------             --------

<S>                                       <C>               <C>               <C>       <C>
      Maintain on a Monthly Basis:
        Minimum Quick Ratio               1.35:1.00         _____:1.00        Yes       No
        Performance to Plan*              **                $________         Yes       No
        Total Revenues                    ***               $________         Yes       No
</TABLE>

*    All non-cash stock compensation expenses

**   $2,945,000 for the month ending June 30, 2001, $2,500,000 for the month
     ending July 31, 2001, $2,282,000 for the month ending August 31, 2001,
     $1,968,000 for the month ending September 30, 2001, $1,400,000 for the
     month ending October 31, 2001, $1,015,000 for the month ending November 31,
     2001, $1,000,000 for the month ending December 31, 2001, $900,000 for the
     month ending January 31, 2002, $800,000 February 28, 2002, $400,000 for the
     month ending March 31, 2002 and $600,000 for the month ending April 30,
     2002.

**   $3,035,000 for the month ending June 30, 2001, $3,250,000 for the month
     ending July 31, 2001, $3,500,000 for the month ending August 31, 2001,
     $3,870,000 for the month ending September 30, 2001, $4,365,000 for the
     month ending October 31, 2001, $4,720,000 for the month ending November 31,
     2001, $4,990,000 for the month ending December 31, 2001, $5,080,000 for the
     month ending January 31, 2002, $5,185,000 February 28, 2002, $5,540,000 for
     the month ending March 31, 2002, $5,900,000 for the month ending April 30,
     2002, $6,480,000 for the month ending May 31, 2002 and $6,385,000 for the
     month ending June 30, 2002.

Have there been updates to Borrower's intellectual property?  Yes / No

Borrower only has deposit accounts located at the following institutions:

_______________________________________________________________________________
<PAGE>

COMMENTS REGARDING EXCEPTIONS:  See Attached.        BANK USE ONLY

Sincerely,
                                                  Rec'd By:_____________________
                                                           Authorized Signer
IPass Inc.                                        Date:_________________________

_____________________________________             Verified:_____________________
SIGNATURE                                                  Authorized Signer
                                                  Date:_________________________
_____________________________________
TITLE                                             Compliance Status:  Yes     No

_____________________________________
DATE

                                       2

<PAGE>
[SILICON VALLEY BANK LOGO]

                               SILICON VALLEY BANK

                       PRO FORMA INVOICE FOR LOAN CHARGES

BORROWER:               iPASS INC.

LOAN OFFICER:           TIM WALSH

DATE:                   JULY 27, 2001

<TABLE>
<S>                                                                 <C>
                        REVOLVING LOAN FEE                          $30,000.00
                        EXIM LOAN FEE                                52,500.00
                        CREDIT REPORT                                    35.00
                        UCC SEARCH FEE                                  200.00
                        UCC FILING FEE                                   75.00
                        INTELLECTUAL PROPERTY FILING FEES               550.00
                        DOCUMENTATION FEE                             1,500.00
                        AUDIT FEE                                     2,476.00

                        GOOD FAITH DEPOSIT RECEIVED                 [10,000.00]

                        TOTAL FEE DUE                               $77,336.00
                                                                    ==========
</TABLE>

PLEASE INDICATE THE METHOD OF PAYMENT:

      {X} A CHECK FOR THE TOTAL AMOUNT IS ATTACHED.

      { } DEBIT DDA # __________________ FOR THE TOTAL AMOUNT.

      { } LOAN PROCEEDS

BORROWER:

BY:  /S/  DONALD MCCAULEY
     _________________________________
     (AUTHORIZED SIGNER)

  /S/  TIM WALSH
____________________________________________________
SILICON VALLEY BANK                  (DATE)
ACCOUNT OFFICER'S SIGNATURE
<PAGE>
                    INTELLECTUAL PROPERTY SECURITY AGREEMENT

      This Intellectual Property Security Agreement is entered into as of
September 4, 2001 by and between SILICON VALLEY BANK ("Bank") and IPass Inc.
("Grantor").

                                    RECITALS

      A. Bank has agreed to make certain advances of money and to extend certain
financial accommodation to Grantor (the "Loans") in the amounts and manner set
forth in that certain Loan and Security Agreement and Export-Import Loan and
Security Agreement by and between Bank and Grantor dated July 27, 2001 (as the
same may be amended, modified or supplemented from time to time, the "Loan
Agreement"; capitalized terms used herein are used as defined in the Loan
Agreement). Bank is willing to make the Loans to Grantor, but only upon the
condition, among others, that Grantor shall grant to Bank a security interest in
certain Copyrights, Trademarks, Patents, and Mask Works to secure the
obligations of Grantor under the Loan Agreement.

      B. Pursuant to the terms of the Loan Agreement, Grantor has granted to
Bank a security interest in all of Grantor's right, title and interest, whether
presently existing or hereafter acquired, in, to and under all of the
Collateral.

      NOW, THEREFORE, for good and valuable consideration, receipt of which is
hereby acknowledged, and intending to be legally bound, as collateral security
for the prompt and complete payment when due of its obligations under the Loan
Agreement, Grantor hereby represents, warrants, covenants and agrees as follows:

                                    AGREEMENT

      To secure its obligations under the Loan Agreement, Grantor grants and
pledges to Bank a security interest in all of Grantor's right, title and
interest in, to and under its Intellectual Property Collateral (including
without limitation those Copyrights, Patents, Trademarks and Mask Works listed
on Schedules A, B, C, and D hereto), and including without limitation all
proceeds thereof (such as, by way of example but not by way of limitation,
license royalties and proceeds of infringement suits), the right to sue for
past, present and future infringements, all rights corresponding thereto
throughout the world and all re-issues, divisions continuations, renewals,
extensions and continuations-in-part thereof.

      This security interest is granted in conjunction with the security
interest granted to Bank under the Loan Agreement and shall terminate upon (i)
payment of all Obligations under the Loan Agreement and (ii) termination of
Bank's commitment to make Advances to Grantor under the Loan Agreement. The
rights and remedies of Bank with respect to the security interest granted hereby
are in addition to those set forth in the Loan Agreement and the other Loan
Documents, and those which are now or hereafter available to Bank as a matter of
law or equity. Each right, power and remedy of Bank provided for herein or in
the Loan Agreement or any of the Loan Documents, or now or hereafter existing at
law or in equity shall be cumulative and concurrent and shall be in addition to
every right, power or remedy provided for herein and the exercise by Bank of any
one or more of the rights, powers or remedies provided for in this Intellectual
Property Security Agreement, the Loan Agreement or any of the other Loan
Documents, or now or hereafter existing at law or in equity, shall not preclude
the simultaneous or later exercise by any person, including Bank, of any or all
other rights, powers or remedies. Upon termination of Bank's security interests
hereunder, Bank shall promptly execute and deliver to Borrower a release of
Bank's security interests granted hereunder in a form that is recordable at the
United States Patent and Trademark Office or the United States Copyright Office,
as applicable, and is reasonably acceptable to Grantor and its counsel. This
Agreement may be executed in two or more counterparts, each of which shall be
deemed an original, but all of which shall constitute but one instrument.

      IN WITNESS WHEREOF, the parties have cause this Intellectual Property
Security Agreement to be duly executed by its officers thereunto duly authorized
as of the first date written above.
<PAGE>
                                          GRANTOR:

Address of Grantor:                       IPass Inc.

3800 Bridge Parkway                       By:    /s/  Don McCauley
                                                 -------------------------------
Redwood Shores, CA 94065                  Title: VP & CFO

Attn:
     -----------------------------

                                          BANK:

Address of Bank:                          SILICON VALLEY BANK

3003 Tasman Drive                         By:    /s/  Tim Walsh
                                                 -------------------------------
Santa Clara, CA 95054-1191                Title: SVP

Attn:
     -----------------------------

                                       2
<PAGE>
                                    EXHIBIT A

                                   Copyrights

<TABLE>
<CAPTION>
                                              Registration/      Registration/
                                              Application        Application
Description                                   Number             Date
-----------                                   -------------      -------------
<S>                                           <C>                <C>

</TABLE>
<PAGE>
                                    EXHIBIT B

                                     Patents

<TABLE>
<CAPTION>
                                              Registration/      Registration/
                                              Application        Application
Description                                   Number             Date
-----------                                   -------------      -------------
<S>                                           <C>                <C>

</TABLE>
<PAGE>
                                    EXHIBIT C

                                   Trademarks

<TABLE>
<CAPTION>
                                              Registration/      Registration/
                                              Application        Application
Description                                   Number             Date
-----------                                   -------------      -------------
<S>                                           <C>                <C>

</TABLE>
<PAGE>

                                    EXHIBIT D

                                   Mask Works

<TABLE>
<CAPTION>
                                              Registration/      Registration/
                                              Application        Application
Description                                   Number             Date
-----------                                   -------------      -------------
<S>                                           <C>                <C>

</TABLE>
<PAGE>
                           CORPORATE BORROWING RESOLUTION

BORROWER:  iPASS INC.                     BANK:  SILICON VALLEY BANK
           3800 BRIDGE PARKWAY                   3003 TASMAN DRIVE
           REDWOOD SHORES, CA 94065              SANTA CLARA, CA 95054-1191

I, THE SECRETARY OR ASSISTANT SECRETARY OF iPASS INC. ("BORROWER"), CERTIFY that
Borrower is a corporation existing under the laws of the State of Delaware.

I certify that at a meeting of Borrower's Directors (or by other authorized
corporate action) duly held the following resolutions were adopted.

It is resolved that ANY ONE of the following officers of Borrower, whose name,
title and signature is below:

<TABLE>
<CAPTION>
           NAMES                    POSITIONS             ACTUAL SIGNATURES
           -----                    ---------             -----------------

<S>                          <C>                       <C>
  Michael Mansouri           President & CEO           /s/  Michael Mansouri

  Donald C. McCauley         VP & CFO                  /s/  Donald McCauley
</TABLE>

may act for Borrower and:

      BORROW MONEY.  Borrow money from Silicon Valley Bank ("Bank").

      EXECUTE LOAN DOCUMENTS.  Execute any loan documents Bank requires.

      GRANT SECURITY. Grant Bank a security interest in any of Borrower's
      assets.

      NEGOTIATE ITEMS. Negotiate or discount all drafts, trade acceptances,
      promissory notes, or other indebtedness in which Borrower has an interest
      and receive cash or otherwise use the proceeds.

      LETTERS OF CREDIT.  Apply for letters of credit from Bank.

      FOREIGN EXCHANGE CONTRACTS.  Execute spot or forward foreign exchange
      contracts.

      ISSUE WARRANTS.  Issue warrants for Borrower's stock.

      FURTHER ACTS. Designate other individuals to request advances, pay fees
      and costs and execute other documents or agreements (including documents
      or agreement that waive Borrowers right to a jury trial) they think
      necessary to effectuate these Resolutions.

Further resolved that all acts authorized by these Resolutions and performed
before they were adopted are ratified. These Resolutions remain in effect and
Bank may rely on them until Bank receives written notice of their revocation.

I certify that the persons listed above are Borrower's officers with the titles
and signatures shown following their names and that these resolutions have not
been modified are currently effective.
<PAGE>
CERTIFIED TO AND ATTESTED BY:

X     /s/  Donald McCauley
      ----------------------------------------
      *Secretary or Assistant Secretary

X
      ----------------------------------------

*    NOTE: In case the Secretary or other certifying officer is designated by
     the foregoing resolutions as one of the signing officers, this resolution
     should also be signed by a second Officer or Director of Borrower.

<PAGE>
                           LOAN MODIFICATION AGREEMENT

This Loan Modification Agreement is entered into as of March 8, 2002, by and
between iPASS Inc. (the "Borrower") and Silicon Valley Bank ("Bank").

1. DESCRIPTION OF EXISTING OBLIGATIONS: Among other Obligations which may be
owing by Borrower to Bank, Borrower is indebted to Bank pursuant to, among other
documents, a Loan and Security Agreement, dated September 4, 2001, as may be
amended from time to time (the "Loan Agreement"). The Loan Agreement provides
for, among other things, a Committed Revolving Line in the original principal
amount of Four Million Dollars ($4,000,000). Additionally, Borrower is indebted
to Bank, pursuant to, among other documents, an Export-Import Bank Loan and
Security Agreement dated September 4, 2001, as may be amended from time to time
(the "Exim Agreement"). The Exim Agreement provides for, among other things, an
Exim Committed Line in the original principal amount of Three Million Five
Hundred Thousand Dollars ($3,500,000). Defined terms used but not otherwise
defined herein shall have the same meanings as set forth in the Loan Agreement.

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

2. DESCRIPTION OF COLLATERAL. Repayment of the Obligations is secured by the
Collateral as described in the Loan Agreement and in an Intellectual Property
Security Agreement dated September 4, 2001. Repayment of the obligations under
the Exim Agreement are guaranteed by the Export-Import Bank of the United
States.

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

3.       DESCRIPTION OF CHANGE IN TERMS.

         A.       Modification(s) to Loan Agreement.

                  1.       The following is hereby incorporated into the Loan
                           Agreement to read as follows:

                           2.1.2 Equipment Advances.

                           (a) Through December 8, 2002 (the "Equipment
                           Availability End Date"), Bank will make advances
                           ("Equipment Advance" and, collectively, "Equipment
                           Advances") not exceeding the Committed Equipment
                           Line. The Equipment Advances may only be used to
                           finance or refinance Eligible Equipment purchased on
                           or after 90 days before the date of each Equipment
                           Advance and may not exceed 100% of the equipment
                           invoice. Equipment Advances used to finance or
                           refinance used Eligible Equipment (i) purchased 90
                           days before the date of each Equipment Advance may
                           not exceed 75% of the equipment invoice and (ii)
                           purchased more than 6 months before the date of each
                           Equipment Advance, but not more than 12 months may
                           not exceed 50% of the equipment invoice. All invoices
                           for used Eligible Equipment must be funded with the
                           initial Equipment Advance. Other Equipment may
                           consist of 25% of the aggregate Equipment Advances.
                           The number of Equipment Advances is limited to 6.
<PAGE>
                           (b) Each Equipment Advance shall amortize immediately
                           and be payable in 36 equal monthly payments of
                           principal plus interest beginning on the first day of
                           the month following each Equipment Advance and
                           continuing on the first day of each month thereafter.
                           The final payment due on the applicable Equipment
                           Maturity Date shall include all outstanding principal
                           plus all accrued unpaid interest. Equipment Advances
                           when repaid may not be reborrowed.

                           (c) To obtain an Equipment Advance, Borrower must
                           notify Bank (the notice is irrevocable) by facsimile
                           no later than 12:00 p.m. Pacific time 1 Business Day
                           before the day on which the Equipment Advance is to
                           be made. The notice in the form of Exhibit B
                           (Payment/Advance Form) must be signed by a
                           Responsible Officer or designee and include a copy of
                           the invoice for the Equipment being financed.

                  2.       The following is hereby incorporated into the Loan
                           Agreement to read as follows:

                           2.1.3 Cash Management Services Sublimit.

                                    Borrower may use up to $4,000,000 for Bank's
                           Cash Management Services, which may include merchant
                           services, direct deposit of payroll, business credit
                           card, and check cashing services identified in
                           various cash management services agreements related
                           to such services (the "Cash Management Services").
                           All amounts Bank pays for any Cash Management
                           Services will be treated as Advances under the
                           Committed Revolving Line.

                  3.       The following is hereby incorporated into the Loan
                           Agreement to read as follows:

                           2.1.4 Foreign Exchange Sublimit.

                                    If there is availability under the Committed
                           Revolving Line and the Borrowing Base, then Borrower
                           may enter in foreign exchange forward contracts with
                           the Bank under which Borrower commits to purchase
                           from or sell to Bank a set amount of foreign currency
                           more than one business day after the contract date
                           (the "FX Forward Contract"). Bank will subtract 10%
                           of each outstanding FX Forward Contract from the
                           foreign exchange sublimit which is a maximum of
                           $4,000,000 (the "FX Reserve"). The total FX Forward
                           Contracts at any one time may not exceed 10 times the
                           amount of the FX Reserve. Bank may terminate the FX
                           Forward Contracts if an Event of Default occurs.

                  4.       Section 2.2 entitled "Overadvances" is amended to
                           read as follows:

                           If Borrower's Obligations under Section 2.1.1, 2.1.3
                           and 2.1.4 exceed the lesser of either (i) the
                           Committed Revolving Line or (ii) the Borrowing Base,
                           Borrower must immediately pay Bank the excess

                  5.       Sub-section (a) of Section 2.3 entitled "Interest
                           Rate, Payments" is amended in part to provide that
                           (i) Advances accrue interest on the outstanding
                           principal balance at a per annum rate of 1.25
                           percentage points above the Prime Rate effective as
                           of this date and (ii) Equipment Advances accrue
                           interest on the outstanding principal balance at a
                           per annum rate equal 1.25 percentage points above the
                           Prime Rate.

                  5.       Sub-section (b) of Section 2.3 entitled "Interest
                           Rate, Payments" is amended in part to provide that
                           Interest due on Equipment Advances is payable on the
                           first of each month.
<PAGE>
                  6.       Section 6.7 entitled "Financial Covenants" is amended
                           in its entirety to read as follows:

                           Borrower will maintain as of the last day of each
                           month (unless stated otherwise):

                           (i)      Liquidity Coverage. A ratio of unrestricted
                                    cash plus the availability under the
                                    Borrowing Base less the Committed Revolving
                                    Line and the Exim Committed Line divided by
                                    the Committed Equipment Line of not less
                                    than 4.00 to 1.00.

                           (ii)     Revenue Growth. Borrower will achieve
                                    minimum quarterly revenue growth of 7% over
                                    the previous quarter (with December 31, 2001
                                    revenue figure as benchmark).

                  7.       The following terms defined under Section 13.1
                           entitled "Definitions" are hereby incorporated and/or
                           amended to read as follows:

                           "Cash Management Services" are defined in Section
                           2.1.3.

                           "Committed Equipment Line" is a Credit Extension of
                           up to $2,500,000.

                           "Eligible Equipment" is general purpose computer
                           equipment, office equipment, test and laboratory
                           equipment, furnishings residing in the United States
                           and, subject to the limitations set forth below,
                           Other Equipment that complies with all of Borrower's
                           representations and warranties to Bank and which is
                           acceptable to Bank in all respects. All Equipment
                           financed with the proceeds of Equipment Advances
                           shall be new or used Equipment.

                           "Equipment Advance" is defined in Section 2.1.2.

                           "Equipment Availability End Date" is defined in
                           Section 2.1.2.

                           "Equipment Maturity Date" is a date which is 36
                           months from the date of each Equipment Advance, not
                           to exceed December 8, 2005 for the last Equipment
                           Advance.

                           "FX Forward Contract" is defined in Section 2.1.4.

                           "FX Reserve" is defined in Section 2.1.4.

                           "Other Equipment" is leasehold improvements,
                           intangible property such as computer software and
                           transferable software licenses, other soft costs,
                           including sales tax, freight, maintenance,
                           installation expense and equipment specifically
                           designed or manufactured for Borrower, other
                           intangible property, limited use property and other
                           similar property.

                           "Revolving Maturity Date" is March 1, 2003.

                  8.       The defined term "Eligible Accounts" under Section
                           13.1 entitled "Definitions" is amended to exclude:

                           (1)      Accounts from dotcom companies.

         B.       Modification(s) to Exim Agreement.
<PAGE>
                  1.       The following term under Section 13.1 entitled
                           "Definitions" is hereby amended to read as follows:

                           "Exim Maturity Date" is March 1, 2003.

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
paying any of the Obligations.

6.       PAYMENT OF LOAN FEE. Borrower shall pay Bank a fee in the amount of
Twenty Five Thousand Dollars ($25,000) ("Equipment Loan Fee") of which a payment
of $25,000 has been received by Bank; a fee in the amount of Ten Thousand
Dollars ($10,000) ("Revolving Loan Fee") of which a payment of $10,000 has been
received by Bank, and an Exim Loan Fee in the amount of Twenty Six Thousand Two
Hundred Fifty Dollars ($26,250) of which a payment of $26,250 has been received
by Bank, plus all out-of-pocket expenses .

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 Obligations pursuant to this Loan Modification Agreement in no
way shall obligate Bank to make any future modifications to the Obligations.
Nothing in this Loan Modification Agreement shall constitute a satisfaction of
the Obligations. 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. Unless expressly released herein, 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.

9.       CONDITIONS. The effectiveness of this Loan Modification Agreement is
conditioned upon payment of any out-of-pocket expenses.

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

<TABLE>
<S>                                                          <C>
BORROWER:                                                    BANK:

iPASS INC.                                                   SILICON VALLEY BANK

By:   /s/  Donald McCauley                                   By:   /s/ Heather Hamilton
    ----------------------------------------                     ----------------------------------------
Name:   Donald C. McCauley                                   Name:   Heather Hamilton
      --------------------------------------                       --------------------------------------
Title:   VP & CFO                                            Title:   SVP
       -------------------------------------                        -------------------------------------
</TABLE>
<PAGE>
                           LOAN MODIFICATION AGREEMENT

This Loan Modification Agreement is entered into as of August 22, 2002, by and
between iPASS Inc. (the "Borrower") and Silicon Valley Bank ("Bank").

1.       DESCRIPTION OF EXISTING OBLIGATIONS: Among other Obligations which may
be owing by Borrower to Bank, Borrower is indebted to Bank pursuant to, among
other documents, a Loan and Security Agreement, dated September 4, 2001, as may
be amended from time to time (the "Domestic Loan Agreement"). The Domestic Loan
Agreement provides for, among other things, a Committed Revolving Line in the
original principal amount of Four Million Dollars ($4,000,000). Additionally,
Borrower is indebted to Bank, pursuant to, among other documents, an
Export-Import Bank Loan and Security Agreement dated September 4, 2001, as may
be amended from time to time (the "Exim Loan Agreement"). The Exim Loan
Agreement provides for, among other things, an Exim Committed Line in the
original principal amount of Three Million Five Hundred Thousand Dollars
($3,500,000). The Domestic Loan Agreement has been modified pursuant to a Loan
Modification Agreement dated March 8, 2002, pursuant to which, among other
things, a Committed Equipment Line in the original principal amount of Two
Million Five Hundred Thousand Dollars ($2,500,000) was incorporated into the
Domestic Loan Agreement. Hereinafter the Exim Loan Agreement and the Domestic
Loan Agreement shall be referred to collectively as (the "Loan Agreement").
Defined terms used but not otherwise defined herein shall have the same meanings
as set forth in the Loan Agreement.

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

2.       DESCRIPTION OF COLLATERAL. Repayment of the Obligations is secured by
the Collateral as described in the Loan Agreement and a Intellectual Property
Security Agreement dated September 4, 2001. Repayment of the obligations under
the Exim Agreement are guaranteed by the Export-Import Bank of the United
States.

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

3.       DESCRIPTION OF CHANGE IN TERMS.

         A.       Modification(s) to Domestic Loan Agreement.

                  1.       Notwithstanding any to the contrary contained under
                           Sub Letter (a) under Section 2.1.2 entitled
                           "Equipment Advances" Borrower may include in the
                           Equipment Advance made by Bank on August 22, 2002
                           invoices for used Eligible Equipment dated as far
                           back as March 18, 2002.

                  2.       For clarification purposes, any and all references to
                           Section 0 under Section 3.2 entitled "Conditions
                           Precedent to all Credit Extensions" is hereby amended
                           to read as Section 5.

         B.       Modification(s) to Exim Loan Agreement.

                  1.       For clarification purposes, the reference to the
                           "Amended and Restated Loan and Security Agreement"
                           under defined term "Domestic Loan Documents" under
<PAGE>
                           Section 13.1 entitled "Definitions" is hereby amended
                           to read "Loan and Security Agreement dated September
                           4, 2001" (the "Loan Agreement").

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
paying any of the Obligations.

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 Obligations pursuant to this Loan Modification Agreement in no
way shall obligate Bank to make any future modifications to the Obligations.
Nothing in this Loan Modification Agreement shall constitute a satisfaction of
the Obligations. 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. Unless expressly released herein, 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.

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

<TABLE>
<S>                                                       <C>
BORROWER:                                                 BANK:

iPASS INC.                                                SILICON VALLEY BANK

By:   /s/  Donald McCauley                                By:   /s/  Heather Hamilton
    ----------------------------------------                  ----------------------------------------
Name:   Donald C. McCauley                                Name:   Heather Hamilton
      --------------------------------------                    --------------------------------------
Title:   VP AND Chief Financial Officer                   Title:   SVP
       -------------------------------------                     -------------------------------------
</TABLE>
<PAGE>
[SILICON VALLEY BANK LOGO]

                               SILICON VALLEY BANK

                       PRO FORMA INVOICE FOR LOAN CHARGES

<TABLE>
<S>              <C>                          <C>
BORROWER:        iPASS INC.

LOAN OFFICER:    HEATHER HAMILTON

DATE:            AUGUST 22, 2002

                 DOCUMENTATION FEE            $250.00

                 TOTAL FEE DUE                $250.00
</TABLE>

PLEASE INDICATE THE METHOD OF PAYMENT:

         { } A CHECK FOR THE TOTAL AMOUNT IS ATTACHED.

         { } DEBIT DDA # __________________ FOR THE TOTAL AMOUNT.

         {X} LOAN PROCEEDS

/S/  FRANK VERDECANNA    8/26/02
---------------------------------
BORROWER                   (DATE)

/S/  HEATHER HAMILTON    8/26/02
---------------------------------
SILICON VALLEY BANK      (DATE)
ACCOUNT OFFICER'S SIGNATURE
<PAGE>
                           LOAN MODIFICATION AGREEMENT

         This Loan Modification Agreement is entered into as of January 17 ,
2003, by and between iPASS Inc. (the "Borrower") and Silicon Valley Bank
("Bank").

         1. DESCRIPTION OF EXISTING OBLIGATIONS: Among other Obligations which
may be owing by Borrower to Bank, Borrower is indebted to Bank pursuant to,
among other documents, a Loan and Security Agreement, dated September 4, 2001,
as amended from time to time (the "Loan Agreement"). The Loan Agreement provides
for, among other things, a Committed Revolving Line and Equipment Advances.
Defined terms used but not otherwise defined herein shall have the same meanings
as set forth in the Loan Agreement.

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

         2. DESCRIPTION OF COLLATERAL. Repayment of the Obligations is secured
by the Collateral as described in the Loan Agreement and in an Intellectual
Property Security Agreement dated September 4, 2001.

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

         3. DESCRIPTION OF CHANGE IN TERMS.

         A. Modification(s) to Loan Agreement.

            1. Section 2.1.1 (a) of the Loan Agreement is hereby amended and
restated in its entirety to read as follows:

               "(a) Bank will make Advances as follows: (i) at all times prior
               to the Equity Event, not exceeding the lesser of (A) the
               Committed Revolving Line or (B) the Borrowing Base and (ii) on
               and after the Equity Event, not exceeding the Committed Revolving
               Line. Amounts borrowed under this Section may be repaid and
               reborrowed during the term of this Agreement."

            2. The following is hereby incorporated into the Loan Agreement
immediately after Section 2.1.2 to read as follows:

               "2.1.2.A Second Equipment Advances.

                (a)     Through January 17 , 2004 (the "Second Equipment
                        Availability End Date"), Bank will make advances
                        ("Second Equipment

                                       1
<PAGE>
                        Advance" and, collectively, "Second Equipment Advances")
                        not exceeding the Second Committed Equipment Line. The
                        Second Equipment Advances may only be used to finance or
                        refinance Eligible Equipment purchased on or after 90
                        days prior to the date of each Second Equipment Advance
                        and may not exceed 100% of the amount of the applicable
                        equipment invoice, provided, however, that Second
                        Equipment Advances may be used to finance or refinance
                        used Eligible Equipment: (i) purchased more than 90 (but
                        less than 179) days prior to the date of the applicable
                        Second Equipment Advance if such Second Equipment
                        Advance does not exceed 75% of the applicable equipment
                        invoice and (ii) purchased more than 6 months but not
                        more than 12 months, prior to the date of the applicable
                        Second Equipment Advance, if such Second Equipment
                        Advance does not exceed 50% of the applicable equipment
                        invoice. All invoices for Eligible Equipment purchased
                        before 90 days after the date of the Second Equipment
                        Advance must be funded with the initial Second Equipment
                        Advance. Up to 25% of the aggregate Second Equipment
                        Advances may consist of Other Equipment. The number of
                        Second Equipment Advances is limited to 6.

                (b)     Each Second Equipment Advance shall be payable in 36
                        equal monthly payments of principal plus interest
                        beginning on the first day of the month following such
                        Second Equipment Advance and continuing on the first day
                        of each month thereafter. The final payment due on the
                        applicable Second Equipment Maturity Date shall include
                        all outstanding principal plus all accrued unpaid
                        interest with respect to the applicable Second Equipment
                        Advance. Second Equipment Advances when repaid may not
                        be reborrowed.

                (c)     To obtain a Second Equipment Advance, Borrower must
                        notify Bank (the notice is irrevocable) by facsimile no
                        later than 12:00 p.m. Pacific time one Business Day
                        before the day on which the Second Equipment Advance is
                        to be made. The notice in the form of Exhibit B
                        (Payment/Advance Form) must be signed by a Responsible
                        Officer or designee and include a copy of the invoice
                        for the Equipment or Other Equipment being financed."

         3. Section 2.3 of the Loan Agreement is hereby amended and restated in
its entirety to read as follows:

            "2.3 Interest Rate, Payments.

            (a)   Interest Rate. Obligations hereunder shall accrue interest as
                  follows:

                                       2
<PAGE>
                  (i)      At all times prior to the Equity Event: (1) Advances
                           accrue interest on the outstanding principal balance
                           at a per annum rate of 1.00 percentage point above
                           the Prime Rate (2) Equipment Advances accrue interest
                           on the outstanding principal balance at a per annum
                           rate equal 1.25 percentage point above the Prime
                           Rate; and (3) Second Equipment Advances accrue
                           interest on the outstanding principal balance at a
                           per annum rate equal 1.00 percentage point above the
                           Prime Rate;

                  (ii)     commencing on the first day of the month immediately
                           following the date of completion of the Equity Event
                           and at all times thereafter: (1) Advances accrue
                           interest on the outstanding principal balance at a
                           per annum rate of 0.50 percentage point above the
                           Prime Rate (2) Equipment Advances accrue interest on
                           the outstanding principal balance at a per annum rate
                           equal 1.25 percentage point above the Prime Rate; and
                           (3) Second Equipment Advances accrue interest on the
                           outstanding principal balance at a per annum rate
                           equal 0.75 percentage point above the Prime Rate; and

                  (iii)    if after the Equity Event Borrower maintains with
                           Bank or one of its affiliates no less than 50% of its
                           cash, cash equivalents and other investments (the
                           "Minimum Invested Funds") then on the first day of
                           the month following the date in which the Minimum
                           Invested Funds arrive at Bank or one of its
                           affiliates and at all times while the Minimum
                           Invested Funds are maintained at Bank or one of its
                           affiliates: (1) Advances accrue interest on the
                           outstanding principal balance at a per annum rate
                           equal to the Prime Rate (2) Equipment Advances accrue
                           interest on the outstanding principal balance at a
                           per annum rate equal 1.25 percentage point above the
                           Prime Rate; and (3) Second Equipment Advances accrue
                           interest on the outstanding principal balance at a
                           per annum rate equal 0.50 percentage point above the
                           Prime Rate. If Borrower's investments maintained at
                           Bank or one of its affiliates fall below the Minimum
                           Invested Funds, at any time during a month, the
                           applicable interest rate will be increased
                           retroactively as of the first day of the month of
                           determination.

                           After an Event of Default and while such Event of
                           Default is continuing, Obligations accrue interest at
                           5.00 percentage points above the rate effective
                           immediately before the Event of Default. The interest
                           rate increases or decreases when the Prime Rate
                           changes. Interest is computed on a 360 day year for
                           the actual number of days elapsed."

                                       3
<PAGE>
            (b)   Payments. Interest due on the Committed Revolving Line is
                  payable on the 4th of each month. Bank may debit any of
                  Borrower's deposit accounts including Account Number
                  3300044078 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. Subsections (a), (b) and (c) of Section 6.2 are hereby amended and
restated in their entirety to read as follows:

            "(a)  Borrower will deliver to Bank: (i) as soon as available, but
                  no later than 30 days after the last day of each month (45
                  days after the end of each fiscal quarter after the Equity
                  Event), a company prepared consolidated balance sheet and
                  income statement covering Borrower's consolidated operations
                  during the period certified by a Responsible Officer and in a
                  form acceptable to Bank; (ii) as soon as available, but no
                  later than 120 days (90 days after the Equity Event) after the
                  last day of Borrower's fiscal year, audited consolidated
                  financial statements prepared under GAAP, consistently
                  applied, together with an unqualified opinion on the financial
                  statements from an independent certified public accounting
                  firm reasonably acceptable to Bank; (iii) a prompt report of
                  any legal actions pending or threatened against Borrower or
                  any Subsidiary that could result in damages or costs to
                  Borrower or any Subsidiary of $100,000 or more; (iv) budgets,
                  sales projections, operating plans or other financial
                  information Bank reasonably requests; and (v) prompt notice of
                  any material change in the composition of the Intellectual
                  Property, including any subsequent ownership right of Borrower
                  in or to any Copyright, Patent or Trademark not shown in any
                  intellectual property security agreement between Borrower and
                  Bank or knowledge of an event that materially adversely
                  affects the value of the Intellectual Property. After the
                  Equity Event, Borrower shall not be required to deliver the
                  financial statements required under (i) and (ii) above so long
                  as Bank can obtain the same from the public domain (e.g. the
                  EDGAR database).

            (b)   Within 20 days after the last day of each month, Borrower will
                  deliver to Bank a Borrowing Base Certificate signed by a
                  Responsible Officer in the form of Exhibit C, with aged
                  listings of accounts receivable and accounts payable and
                  schedule of deferred

                                       4
<PAGE>
                  revenue in form and substance reasonably satisfactory to Bank,
                  provided, however that after the Equity Event Borrower shall
                  not be required to deliver to Bank the items set forth in this
                  subsection (b).

            (c)   Within 30 days after the last day of each month prior to the
                  Equity Event and within 45 days after the end of each fiscal
                  quarter after the Equity Event, Borrower will deliver to Bank
                  with the monthly (quarterly after an Equity Event) financial
                  statements a Compliance Certificate signed by a Responsible
                  Officer in the form of Exhibit D, provided that, as set forth
                  in subsection (a) above, Borrower shall not be required to
                  deliver such financial statements if after an Equity Event,
                  Bank can obtain the same from the public domain (e.g. EDGAR)."

         5. Section 6.6 is hereby amended and restated in its entirety to read
as follows:

            "6.6  Deposit and Investment Accounts.

                           Borrower shall maintain its primary operating
                  accounts with Bank. In addition, Borrower will maintain a
                  majority of it's cash and investments in accounts maintained
                  at Bank or one of its affiliates. Furthermore, at all times
                  after the Equity Event, Borrower shall maintain at Bank or one
                  of Bank's affiliates cash and investments in an amount of no
                  less than $30,000,000. Within 10 Business Days of the opening
                  of any other deposit or investment account, Borrower shall
                  deliver to Bank fully executed account control agreements in
                  form and substance reasonably satisfactory to Bank covering
                  each of Borrower's deposit and investment accounts in order
                  for Bank to perfect its security interest in all such
                  accounts."

         6. Section 6.7 of the Loan Agreement is hereby amended and restated in
its entirety to read as follows:

            "Borrower will maintain as of the last day of each month (unless
            stated otherwise):

            (i)   Liquidity Coverage. At all times prior to the Equity Event, a
                  Liquidity Ratio of 3.00 to 1.00, provided that after an Equity
                  Event, Borrower shall not be required to comply with this
                  Section 6.7(i). Liquidity Ratio shall be calculated as
                  follows: (A) short term unrestricted cash divided by (B) the
                  difference of: (y) the sum

                                       5
<PAGE>
                  of (1) the Committed Equipment Line, plus (2) the Second
                  Committed Equipment Line, minus (z) any principal payments
                  made by Borrower on account of the Committed Equipment Line
                  and the Second Committed Equipment Line.

            (ii)  Minimum Net Profit. Borrower shall achieve minimum quarterly
                  Net Profit of no less than $1.00.

            (iii) Minimum Cash. At all times on or after the date of the Equity
                  Event, Borrower shall maintain unrestricted cash and cash
                  equivalents of no less than $50,000,000 at all times."

         7. Section 8.9 of the Loan Agreement is hereby deleted in its entirety.

         8. The following terms defined under Section 13.1 of the Loan Agreement
are hereby incorporated, in the case of terms that are not otherwise defined in
the Loan Agreement, or amended and restated in their entirety to read as
follows, in the case of terms previously defined in the Loan Agreement:

            "Borrowing Base" is the lesser of (i) 80% of Eligible Accounts or
            (ii) $10,000,000, as determined by Bank from Borrower's most recent
            Borrowing Base Certificate; provided, however, that Bank may lower
            the advance percentage after performing an audit of Borrower's
            Collateral.

            "Committed Revolving Line" is an Advance of up to $10,000,000.

            "Credit Extension" is each Advance, Equipment Advance, Second
            Equipment Advance, FX Forward Contract, Cash Management Services, or
            any other extension of credit by Bank for Borrower's benefit.

            "Equity Event" means Borrower's completion of the initial public
            offering of Borrower's common stock pursuant to a registration
            statement on Form S-1 (or its successor) filed under the Securities
            Act of 1933, as amended, resulting in net cash proceeds to Borrower
            of no less than $40,000,000.

            "Net Profit" is Borrower's net income as defined under GAAP plus,
            (i) amortization charges, (ii) depreciation expenses, and (iii) any
            non-cash portion of any extraordinary losses.

            "Other Equipment" is leasehold improvements, intangible property
            such as computer software and transferable software licenses,
            Borrower's Equipment located at Borrower's locations outside of the
            United States, other soft costs, including sales tax, freight,
            maintenance, installation expense and equipment specifically
            designed or manufactured for Borrower, other intangible property,
            limited use property and other similar property.

                                       6
<PAGE>
            "Prime Rate" is the greater of: (i) the Bank's most recently
            announced "prime rate," even if it is not Bank's lowest rate or (ii)
            4.25%.

            "Revolving Maturity Date" is January 16, 2004.

            "Second Committed Equipment Line" is a Credit Extension of up to
            $5,000,000.

            "Second Equipment Advance" is defined in Section 2.1.2.A.

            "Second Equipment Availability End Date" is defined in Section
            2.1.2.A.

            "Second Equipment Maturity Date" is the date which is 36 months from
            the date of a Second Equipment Advance, not to exceed January 17,
            2007 with respect to the last Second Equipment Advance.

            9. The definition of Exim Loan Agreement in Section 13.1 of the Loan
Agreement is hereby deleted.

         4. PREPAYMENT OF OBLIGATIONS. Borrower shall have the option to prepay
all or a portion of the outstanding Equipment Advances and Second Equipment
Advances made by Bank under the Loan Agreement, provided Borrower (i) provides
written notice to Bank to prepay the applicable Equipment Advances and Second
Equipment Advances, 2 Business Days prior to such prepayment, (ii) any such
prepayment is in a minimum amount of $10,000, and (iii) pays, on the date of the
prepayment (A) all outstanding principal; (B) all unpaid accrued interest to the
date of the prepayment; and (C) all other sums, if any, that shall have become
due and payable hereunder with respect to the applicable Equipment Advances and
Second Equipment Advances. In addition Borrower may repay in full, in cash, all
outstanding Obligations without penalty or premium and immediately after such
repayment the Loan Agreement and related loan documents will terminate (other
than contingent indemnification obligations).

         5. EXIM LOAN AGREEMENT. Upon execution of this Loan Modification
Agreement the Export-Import Bank Loan and Security Agreement, dated as of
September 4, 2001, by and between Borrower and Bank (the "Exim Loan Agreement")
shall terminate and any obligations owing by Borrower thereunder shall become
immediately due and payable. Borrower authorizes Bank to charge the Committed
Revolving Line under the Loan Agreement in order to repay all of the outstanding
obligations under the Exim Loan Agreement.

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

         7. NO DEFENSES OF BORROWER. Borrower (and each guarantor and pledgor
signing below) agrees that, as of the date hereof, it has no defenses against
paying any of the Obligations.

                                       7
<PAGE>
         8. PAYMENT OF LOAN FEE. Borrower shall pay Bank a fee in the amount of
$37,500 (the "Second Equipment Loan Fee") and a fee in the amount of $47,500
(the "Revolving Loan Fee").

         9. 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 Obligations pursuant to this Loan Modification
Agreement in no way shall obligate Bank to make any future modifications to the
Obligations. Nothing in this Loan Modification Agreement shall constitute a
satisfaction of the Obligations. 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. Unless expressly
released herein, 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.

         10. CONDITIONS. The effectiveness of this Loan Modification Agreement
is conditioned upon payment of all reasonable out-of-pocket expenses of Bank in
connection with the preparation, negotiation, execution, and delivery of this
Loan Modification Agreement.

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

<TABLE>
<S>                                             <C>
BORROWER:                                       BANK:

iPASS INC.                                      SILICON VALLEY BANK

By:      /s/  Donald McCauley                   By:      /s/ Maria Fisher Leaf
      ---------------------------                     --------------------------
Name:     Donald McCauley                       Name:    Maria Fisher Leaf
      ---------------------------                     --------------------------
Title:   VP & CFO                               Title:   SVP
      ---------------------------                     --------------------------
</TABLE>

                                       8

<PAGE>
[SILICON VALLEY BANK LOGO]

                               SILICON VALLEY BANK

                       PRO FORMA INVOICE FOR LOAN CHARGES

<TABLE>
<S>                 <C>                       <C>
BORROWER:           iPASS INC.
LOAN OFFICER:       MARIA FISHER LEAF
DATE:               JANUARY __, 2003

                    REVOLVING LOAN FEE        $47,500

                    EQUIPMENT LOAN FEE        $37,500

                    DOCUMENTATION FEE         $
                                               -------------
                    TOTAL FEE DUE             $
                                               =============
</TABLE>

PLEASE INDICATE THE METHOD OF PAYMENT:

         { } A CHECK FOR THE TOTAL AMOUNT IS ATTACHED.

         { } DEBIT DDA # __________________ FOR THE TOTAL AMOUNT.

         { } LOAN PROCEEDS

--------------------------------------------------
BORROWER                            (DATE)

--------------------------------------------------
SILICON VALLEY BANK                 (DATE)
ACCOUNT OFFICER'S SIGNATURE

                                       1
<PAGE>
                             COMPLIANCE CERTIFICATE

TO:    SILICON VALLEY BANK
       3003 Tasman Drive
       Santa Clara, CA 95054

FROM:  iPASS INC.

         The undersigned authorized officer of iPass Inc. ("Borrower") certifies
that under the terms and conditions of the Loan and Security Agreement between
Borrower and Bank (the "Agreement"), (i) Borrower is in complete compliance for
the period ending _______________ with all required covenants except as noted
below and (ii) all representations and warranties in the Agreement are true and
correct in all material respects on this date. Attached are the required
documents supporting the certification. The Officer certifies that any attached
financial statements (or statements of Borrower obtained by Bank from the public
domain, e.g. EDGAR) these are prepared in accordance with Generally Accepted
Accounting Principles (GAAP) consistently applied from one period to the next
except as explained in an accompanying letter or footnotes. The Officer
acknowledges that no borrowings may be requested at any time or date of
determination that Borrower is not in compliance with any of the terms of the
Agreement, and that compliance with respect to certain covenants is determined
not just at the date this certificate is delivered.

  PLEASE INDICATE COMPLIANCE STATUS BY CIRCLING YES/NO UNDER "COMPLIES" COLUMN.

<TABLE>
<CAPTION>
   REPORTING COVENANT                                   REQUIRED                          COMPLIES
   ------------------                                   --------                          --------
<S>                                                     <C>                               <C>
   Interim  financial statements + CC                   Monthly within 30 days (After     Yes   No
                                                        an Equity Event, Quarterly
                                                        within 45 days)
   Annual (Audited) FYE within 120 days, (90 days       Yes                               No
   after Equity Event)
   A/R, A/P Deferred Rev. Schedule & BBC (not           Monthly within 20 days            Yes   No
   required after Equity Event)
   A/R Audit                                            Semi-Annual                       Yes   No
</TABLE>

<TABLE>
<CAPTION>
   FINANCIAL COVENANT                                   REQUIRED          ACTUAL          COMPLIES
   ------------------                                   --------          ------          --------
<S>                                                     <C>               <C>             <C>
   Maintain on a Monthly Basis:
     Minimum Liquidity Coverage (before Equity Event)   3.00:1.00*        _____:1.00      Yes   No
   Maintain on a Quarterly Basis:
     Minimum Profitability                              $1.00                             Yes   No
   Maintain at all times:
   Minimum Cash (after Equity Event)                    $50,000,000       _________       Yes   No
</TABLE>

                                       2
<PAGE>
Have there been updates to Borrower's intellectual property, if appropriate?
Yes  No

Borrower only has deposit accounts located at the following institutions:
___________________

<TABLE>
<S>                                                    <C>
COMMENTS REGARDING EXCEPTIONS:  See Attached.          BANK USE ONLY
Sincerely,
IPass Inc.                                             Received by:
                                                                   --------------------------
                                                                      AUTHORIZED SIGNER
------------------------------------                   Date:
SIGNATURE                                                   ---------------------------------

------------------------------------                   Verified:
TITLE                                                           -----------------------------
                                                                      AUTHORIZED SIGNER
------------------------------------
DATE                                                   Date:
                                                            ---------------------------------
                                                       Compliance Status:   Yes   No
</TABLE>

                                       3
<PAGE>
                           BORROWING BASE CERTIFICATE

Borrower: iPass Inc.                               Lender: Silicon Valley Bank

Commitment Amount: $10,000,000

<TABLE>
<S>                                                               <C>              <C>
ACCOUNTS RECEIVABLE
  1.       Accounts Receivable Book Value as of _____                              $_____________
  2.       Additions (please explain on reverse)                                   $_____________
  3.       TOTAL ACCOUNTS RECEIVABLE                                               $_____________

ACCOUNTS RECEIVABLE DEDUCTIONS (without duplication)
           a.       Amounts over 90 days due                      $_________
           b.       Balance of 50% over 90 day accounts           $_________
           c.       Excess 25% Concentration Limit                $_________
           d.       Foreign Accounts                              $_________
           e.       Governmental Accounts                         $_________
           f.       Contra Accounts                                                $_____________
           g.       Promotion or Demo Accounts                    $_________
           h.       Intercompany/Employee Accounts                $_________
           i.       Dotcom Accounts                               $_________
           j.       Other (please explain on reverse)             $_________
  4.       TOTAL ACCOUNTS RECEIVABLE DEDUCTIONS                                    $_____________
  5.       Eligible Accounts (#3 minus #4)                        $_________
  6.       LOAN VALUE OF ACCOUNTS (80% of #15)                    $_________

BALANCES

  7.       Maximum Loan Amount                                                     $_____________
  8.       Total Funds Available Lesser of #7 or #6                                $_____________
  9.       Present balance owing on Line of Credit                                 $_____________
  10.      Outstanding under Sublimits (Cash Mgmt & FX)                            $_____________

RESERVE POSITION (#7 minus #8 and #9)                                              $_____________
</TABLE>

The undersigned represents and warrants that the foregoing is true, complete and
correct, and that the information reflected in this Borrowing Base Certificate
complies with the representations and warranties set forth in the Loan and
Security Agreement between the undersigned and Silicon Valley Bank.

<TABLE>
<S>                                                <C>
COMMENTS:                                          BANK USE ONLY

iPASS INC.                                         Rec'd By:
                                                            -----------------
By:                                                             AUTH. SIGNER
    ---------------------------                    Date:
         Authorized Signer                               --------------------

                                                   Verified:
                                                            -----------------
                                                                AUTH. SIGNER
                                                   Date:
                                                         --------------------
</TABLE>

                                       1

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