Document:

EXHIBIT 10.14

 Exhibit 10.14 
  
 EXECUTION COPY 
  
 FOURTH SUPPLEMENTAL INDENTURE 
  
 TO INDENTURE DATED AS OF MAY 18, 2001 
  
 FOURTH SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of October 19, 2004, among (i) New Mableton Broadcasting
Corporation, a Delaware corporation (“NMBC”, the “Guaranteeing Subsidiary”), which Guaranteeing Subsidiary is a direct subsidiary of Radio One, Inc. (the “Company”), (ii) the Company, (iii)
the other Guarantors (as defined in the Indenture referred to herein) (the “Existing Guarantors”), and (iv) The Bank of New York (as successor to United States Trust Company of New York), as trustee under the Indenture referred to
below (the “Trustee”). 
  
 W I T N E S S E T H

  
 WHEREAS, the Company and the Existing Guarantors have
heretofore executed and delivered to the Trustee an indenture, dated as of May 18, 2001, providing for the issuance of an aggregate principal amount of up to $500.0 million of 8 7/8% Senior Subordinated Notes due 2011 (the “Notes”),
a first supplemental indenture, dated as of August 10, 2001 (the “First Supplemental Indenture”) a second supplemental indenture, dated as of December 31, 2001 (the “Second Supplemental Indenture”) and a third
supplemental indenture, dated as of July 17, 2003 (the “Third Supplemental Indenture” (such indenture, as supplemented by the First Supplemental Indenture, the Second Supplemental Indenture and the Third Supplemental Indenture,
shall hereinafter be referred to as the “Indenture”); 
  
 WHEREAS, in connection with the acquisition of radio station WAMJ(FM), licensed to Mableton, Georgia, by the Company, effective as of the date of this Fourth Supplemental Indenture, the Company has acquired one hundred percent of the stock
of NMBC, as set forth on Schedule A attached hereto. 
  
 WHEREAS, the Indenture provides that under certain circumstances, each Guaranteeing Subsidiary shall execute and deliver to the Trustee a supplemental indenture pursuant to which such Guaranteeing Subsidiary shall unconditionally guarantee
all of the Company’s Obligations under the Notes and the Indenture on the terms and conditions set forth herein (the “Subsidiary Guarantee”); and 
  
 WHEREAS, pursuant to Section 9.01 of the Indenture, the Trustee is authorized to execute and deliver this Supplemental
Indenture. 
  
 NOW THEREFORE, in consideration of the foregoing
and for other good and valuable consideration, the receipt of which is hereby acknowledged, the Guaranteeing Subsidiary and the Trustee mutually covenant and agree for the equal and ratable benefit of the Holders of the Notes as follows: 

 
 1. CAPITALIZED TERMS. Capitalized terms
used herein without definition shall have the meanings assigned to them in the Indenture. 
  
 2. AGREEMENT TO GUARANTEE. The Guaranteeing Subsidiary (and, for purposes of subsection (i) of this Section, the Guaranteeing Subsidiary and each Existing Guarantor) hereby
agrees as follows: 
  
 (a) Along with all
Guarantors named in the Indenture, to jointly and severally Guarantee to each Holder of a Note authenticated and delivered by the Trustee and to the Trustee and its successors and assigns, the Notes or the obligations of the Company hereunder or
thereunder, that: 
  
 (i) the principal of and
interest, and premium, if any, on the Notes will be promptly paid in full when due, whether at maturity, by acceleration, redemption or otherwise, and interest on the overdue principal of and interest on the Notes, if any, if lawful, and all other
obligations of the Company to the Holders or the Trustee hereunder or thereunder will be promptly paid in full or performed, all in accordance with the terms hereof and thereof; and 

 (ii) in case of any extension of time of payment or renewal of any Notes or any of such
other obligations, that same will be promptly paid in full when due or performed in accordance with the terms of the extension or renewal, whether at Stated Maturity, by acceleration or otherwise. Failing payment when due of any amount so guaranteed
or any performance so guaranteed for whatever reason, the Guarantors shall be jointly and severally obligated to pay the same immediately. 
  
 (b) The obligations hereunder shall be unconditional, irrespective of the validity, regularity or enforceability of the Notes or the
Indenture, the absence of any action to enforce the same, any waiver or consent by any Holder of the Notes with respect to any provisions hereof or thereof, the recovery of any judgment against the Company, any action to enforce the same or any
other circumstance which might otherwise constitute a legal or equitable discharge or defense of a guarantor. 
  
 (c) The following is hereby waived: diligence presentment, demand of payment, filing of claims with a court in the event of insolvency or
bankruptcy of the Company, any right to require a proceeding first against the Company, protest, notice and all demands whatsoever. 
  
 (d) This Subsidiary Guarantee shall not be discharged except by complete performance of the obligations contained in the Notes and the
Indenture, and the Guaranteeing Subsidiary accepts all obligations of a Guarantor under the Indenture. 
  
 (e) If any Holder or the Trustee is required by any court or otherwise to return to the Company, the Guarantors, or any Custodian,
Trustee, liquidator or other similar official acting in relation to either the Company or the Guarantors, any amount paid by either to the Trustee or such Holder, this Subsidiary Guarantee, to the extent theretofore discharged, shall be reinstated
in full force and effect. 
  
 (f) The
Guaranteeing Subsidiary shall not be entitled to any right of subrogation in relation to the Holders in respect of any obligations guaranteed hereby until payment in full of all obligations guaranteed hereby. 
  
 (g) As between the Guarantors, on the one hand, and the
Holders and the Trustee, on the other hand, (x) the maturity of the obligations guaranteed hereby may be accelerated as provided in Article 6 of the Indenture for the purposes of this Subsidiary Guarantee, notwithstanding any stay, injunction or
other prohibition preventing such acceleration in respect of the obligations guaranteed hereby, and (y) in the event of any declaration of acceleration of such obligations as provided in Article 6 of the Indenture, such obligations (whether or not
due and payable) shall forthwith become due and payable by the Guarantors for the purpose of this Subsidiary Guarantee. 
  
 (h) The Guarantors shall have the right to seek contribution from any non-paying Guarantor so long as the exercise of such right does not
impair the rights of the Holders under the Guarantee. 
  
 (i) Notwithstanding anything to the contrary contained herein, pursuant to Section 11.02 of the Indenture, the Obligations of the Guaranteeing Subsidiary created hereunder (and the Obligations of each Existing Guarantor) shall be junior and
subordinate to the Senior Guarantee of such Guarantor on the same basis as the Notes are junior and subordinate to Senior Debt of the Company. 
  
 (j) Pursuant to Section 11.03 of the Indenture, after giving effect to any maximum amount and any other contingent and fixed liabilities
that are relevant under any applicable Bankruptcy or fraudulent conveyance laws, and after giving effect to any collections from, rights to receive contribution from or payments made by or on behalf of any other Guarantor in respect of the
obligations of such other Guarantor under Article 11 of the Indenture, this new Subsidiary Guarantee shall be limited to the maximum amount permissible such that the obligations of such Guarantor under this Subsidiary Guarantee will not constitute a
fraudulent transfer or conveyance. 
  

 2 

 3. EXECUTION AND DELIVERY. The Guaranteeing Subsidiary
agrees to execute the Subsidiary Guarantee as provided by Section 11.04 of the Indenture and Exhibit E thereto and to recognize that the Subsidiary Guarantees shall remain in full force and effect notwithstanding any failure to endorse on each Note
a notation of such Subsidiary Guarantee. 
  
 4.
GUARANTEEING SUBSIDIARY MAY CONSOLIDATE, ETC. ON CERTAIN TERMS. 
  
 (a) The Guaranteeing Subsidiary may not consolidate with or merge with or into (whether or not such
Guarantor is the surviving Person) another corporation, Person or entity whether or not affiliated with such Guarantor unless: 
  
 (i) subject to Sections 11.05 and 11.06 of the Indenture, the Person formed by or surviving any such consolidation or merger (if other
than a Guarantor or the Company) unconditionally assumes all the obligations of such Guarantor, pursuant to a supplemental indenture in form and substance reasonably satisfactory to the Trustee, under the Notes, the Indenture and the Subsidiary
Guarantee on the terms set forth herein or therein; and 
  
 (ii) immediately after giving effect to such transaction, no Default or Event of Default exists. 
  
 (b) In case of any such consolidation, merger, sale or conveyance and upon the assumption by the successor corporation, by supplemental
indenture, executed and delivered to the Trustee and satisfactory in form to the Trustee, of the Subsidiary Guarantee endorsed upon the Notes and the due and punctual performance of all of the covenants and conditions of the Indenture to be
performed by the Guarantor, such successor corporation shall succeed to and be substituted for the Guarantor with the same effect as if it had been named herein as a Guarantor. Such successor corporation thereupon may cause to be signed any or all
of the Subsidiary Guarantees to be endorsed upon all of the Notes issuable hereunder which theretofore shall not have been signed by the Company and delivered to the Trustee. All the Subsidiary Guarantees so issued shall in all respects have the
same legal rank and benefit under the Indenture as the Subsidiary Guarantees theretofore and thereafter issued in accordance with the terms of the Indenture as though all of such Subsidiary Guarantees had been issued at the date of the execution
hereof. 
  
 (c) Except as set forth in Articles 4
and 5 and Section 11.06 of Article 11 of the Indenture, and notwithstanding clauses (a) and (b) above, nothing contained in the Indenture or in any of the Notes shall prevent any consolidation or merger of a Guarantor with or into the Company or
another Guarantor, or shall prevent any sale or conveyance of the property of a Guarantor as an entirety or substantially as an entirety to the Company or another Guarantor. 
  
 5. RELEASES. 
  
 (a) In the event of a sale or other disposition of all of the assets of any Guarantor, by way of merger, consolidation or otherwise, or a
sale or other disposition of all to the capital stock of any Guarantor, in each case to a Person that is not (either before or after giving effect to such transaction) a Restricted Subsidiary of the Company, then such Guarantor (in the event of a
sale or other disposition, by way of merger, consolidation or otherwise, of all of the capital stock of such Guarantor) or the corporation acquiring the property (in the event of a sale or other disposition of all or substantially all of the assets
of such Guarantor) will be released and relieved of any obligations under its Subsidiary Guarantee; provided that the Net Proceeds of such sale or other disposition are applied in accordance with the applicable provisions of the Indenture,
including without limitation Section 4.10 of the Indenture. Upon delivery by the Company to the Trustee of an Officers’ Certificate and an Opinion of Counsel to the effect that such sale or other disposition was made by the Company in
accordance with the provisions of the Indenture, including without limitation Section 4.10 of the Indenture, the Trustee shall execute any documents reasonably required in order to evidence the release of any Guarantor from its obligations under its
Subsidiary Guarantee. 
  

 3 

 (b) Any Guarantor not released from its obligations under its Subsidiary Guarantee shall
remain liable for the full amount of principal of and interest on the Notes and for the other obligations of any Guarantor under the Indenture as provided in Article 10 of the Indenture. 
  
 6. NO RECOURSE AGAINST OTHERS. No past, present or future
director, officer, employee, incorporator, stockholder or agent of the Guaranteeing Subsidiary, as such, shall have any liability for any obligations of the Company or any Guaranteeing Subsidiary under the Notes, any Subsidiary Guarantees, the
Indenture or this Supplemental Indenture or for any claim based on, in respect of, or by reason of, such obligations or their creation. Each Holder of the Notes by accepting a Note waives and releases all such liability. The waiver and release are
part of the consideration for issuance of the Notes. Such waiver may not be effective to waive liabilities under the federal securities laws and it is the view of the SEC that such a waiver is against public policy. 
  
 7. GOVERNING LAW. THE INTERNAL LAW OF THE STATE
OF NEW YORK SHALL GOVERN AND BE USED TO CONSTRUE THIS SUPPLEMENTAL INDENTURE WITHOUT GIVING EFFECT TO APPLICABLE PRINCIPLES OF CONFLICTS OF LAW TO THE EXTENT THAT THE APPLICATION OF THE LAWS OF ANOTHER JURISDICTION WOULD BE REQUIRED THEREBY.

  
 8. SUBMISSION TO
JURISDICTION; SERVICE OF PROCESS; WAIVER OF JURY TRIAL. Each party hereto hereby submits to the nonexclusive jurisdiction of the
United States District Court for the Southern District of New York and of any New York State Court sitting in New York City for purposes of all legal proceedings arising out of or relating to this Supplemental Indenture, the Notes, the Subsidiary
Guarantees or the transactions contemplated hereby and thereby. Each party hereto irrevocably waives, to the fullest extent permitted by law, any objection which it may now or hereafter have to the laying of the venue of any such proceeding brought
in such a court and any claim that any such proceeding brought in such a court has been brought in an inconvenient forum. Process in any such suit, action or proceeding may be served on any party anywhere in the world, whether within or without the
State of New York. Without limiting the foregoing, the parties agree that service of process upon such party at the address referred to in Section 13.02 of the Indenture, together with written notice of such service to such party, shall be deemed
effective service of process upon such party. Each of the parties hereto irrevocably waives any and all rights to trial by jury in any legal proceeding arising out of or relating to this Supplemental Indenture, the Notes, the Subsidiary Guarantees
or the transactions contemplated hereby and thereby. 
  
 9.
COUNTERPARTS. The parties may sign any number of copies of this Supplemental Indenture. Each signed copy shall be an original, but all of them together represent the same agreement. 
  
 10. EFFECT OF HEADINGS. The
Section headings herein are for convenience only and shall not affect the construction hereof. 
  
 11. THE TRUSTEE. The Trustee shall not be responsible in any manner whatsoever for or in respect of the validity or sufficiency of this Supplemental Indenture or for or in respect of the
recitals contained herein, all of which recitals are made solely by the Guaranteeing Subsidiary and the Company. 
  

 4 

 IN WITNESS WHEREOF, the parties hereto have caused this Supplemental Indenture to be duly executed and
attested, all as of the date first above written. 
  

			
	NEW MABLETON BROADCASTING CORPORATION
		
	By:	 	 /s/ ALFRED C. LIGGINS, III

	Name:	 	Alfred C. Liggins, III
	Title:	 	President and Chief Executive Officer
	
	RADIO ONE, INC.
		
	By:	 	 /s/ ALFRED C. LIGGINS, III

	Name:	 	Alfred C. Liggins, III
	Title:	 	President and Chief Executive Officer

  

 5 

			
	RADIO ONE LICENSES, LLC
	                (FORMERLY RADIO ONE
LICENSES, INC.)
	BELL BROADCASTING COMPANY
	RADIO ONE OF DETROIT, LLC
	                (FORMERLY RADIO ONE OF
DETROIT, INC.)
	RADIO ONE OF ATLANTA, LLC
	                (FORMERLY RADIO ONE OF
ATLANTA, INC.)
	ROA LICENSES, LLC
	                (FORMERLY ROA LICENSES,
INC.)
	RADIO ONE OF CHARLOTTE, LLC,
	RADIO ONE OF AUGUSTA, LLC
	                (FORMERLY RADIO ONE OF
AUGUSTA, INC.)
	CHARLOTTE BROADCASTING, LLC
	                (FORMERLY DAVIS BROADCASTING OF CHARLOTTE,
 INC.)
	RADIO ONE OF NORTH CAROLINA, LLC
	                (FORMERLY RADIO ONE OF NORTH
 CAROLINA, INC.)
	RADIO ONE OF BOSTON, INC.
	RADIO ONE OF BOSTON LICENSES, LLC
	                (FORMERLY RADIO ONE OF BOSTON
 LICENSES, INC.)
	BLUE CHIP MERGER SUBSIDIARY, INC.
	BLUE CHIP BROADCAST COMPANY
	BLUE CHIP BROADCASTING, LTD.
	BLUE CHIP BROADCASTING LICENSES, LTD.
	BLUE CHIP BROADCASTING LICENSES II, LTD.
	RADIO ONE OF TEXAS, LP
	                By: RADIO ONE OF TEXAS I, LLC,
 ITS GENERAL PARTNER
	RADIO ONE OF INDIANA, LP
	                By: RADIO ONE, INC., ITS GENERAL
 PARTNER
	RADIO ONE OF TEXAS I, LLC
	RADIO ONE OF TEXAS II, LLC
	RADIO ONE OF INDIANA, LLC
	SATELLITE ONE, L.L.C.
	HAWES-SAUNDERS BROADCAST PROPERTIES, INC.
	RADIO ONE OF DAYTON LICENSES, LLC
		
	By:	 	 /s/ ALFRED C. LIGGINS, III

	Name:	 	Alfred C. Liggins, III
	Title:	 	President and Chief Executive Officer
	
	THE BANK OF NEW YORK as Trustee
		
	By:	 	 /s/ DOROTHY MILLER

	Name:	 	Dorothy Miller
	Title:	 	Vice President

  

 6 

 Schedule A 
  
 The recently formed or acquired Guaranteeing Subsidiaries have the below-listed equity ownership effective as of October 19,
2004. 
  

			
	 Guaranteeing Subsidiary

	 	 Ownership Interest

	New Mableton Broadcasting Corporation.	 	100% of Stock held by Radio One, Inc.Separation Agreement

 Exhibit 10.1 
  
 SEPARATION AGREEMENT AND GENERAL RELEASE 
  
 AGREEMENT made this 16th day of August 2004, by and between InteliData Technologies Corporation (“INTELIDATA” or the “Company”) and Michael E. Jennings (“Employee”). 
  
 WHEREAS, INTELIDATA and Employee are parties to an “Employment
and Non-Competition Agreement” dated June 14, 2000 (the “Employment Agreement”) and an amended and restated “Change in Control Severance Agreement”, effective February 3, 2003 (the “Change in Control Agreement”),
which set forth certain rights, benefits and obligations of INTELIDATA and Employee; and 
  
 WHEREAS, INTELIDATA and Employee mutually desire to reach an agreement as to the rights, benefits and obligations of INTELIDATA and Employee concerning Employee’s employment with INTELIDATA and his
separation from employment, 
  
 NOW THEREFORE, the parties
agree as follows: 
  

	1.	Separation Date. Employee’s last day of employment shall be August 15, 2004 (the “Separation Date”). No additional leave accrual shall occur after the
Separation Date. Employee will resign his duties as an employee effective as of the Separation Date. Employee’s separation from employment will not affect his service on the Company’s Board of Directors. 

  

	2.	Duties. From the date of this Agreement through the Separation Date, Employee shall be focused primarily on transitioning responsibilities in accordance with the directions
of InteliData’s Chief Executive Officer. 

  

	3.	Severance Benefits and Consideration. In consideration of the termination of the Employment Agreement, except as set forth in Paragraph 5 below, and the Change in Control
Agreement, and entering into the General Release and Waiver set forth in Paragraph 7, below, and Employee’s agreement to continue employment through the Separation Date, INTELIDATA agrees to provide Employee the compensation and benefits (the
“Severance Benefits”) set forth below, net of any required withholdings: 

  

	 	a.	Employee shall continue to be paid at his current full salary rate through the Separation Date. Any salary payments earned up to the Separation Date shall be paid on
INTELIDATA’s normal pay period for such payments. Employee will continue to participate in all employee benefit plans as he currently participates in the normal course pursuant to their terms through the Separation Date.

  

	 	b.	Employee will be paid accrued and unused vacation pay through the Separation Date within thirty (30) days of the Separation Date. 

  

	 	c.	All Stock Options and Stock Awards granted to Employee shall not terminate until, and shall continue to vest through, October 31, 2004. 

	 	d.	Employee will be allowed to keep the 2000 Toyota Camry automobile that was purchased by the Company and was titled in Employee’s name for administrative purposes and Employee
will be taxed on the fair market value of the automobile. 

  

	 	e.	In the event that there is a “Change in Control” of the Company (as defined below) that occurs on or before August 16, 2005, Employee shall be paid a severance payment in
cash of $200,000 within thirty (30) days of the date of the Change in Control. 

  
 A “Change in Control” shall be deemed to have occurred if the conditions set forth in any one of the following paragraphs shall have been satisfied: 
  
 (i) Any Person, or any Persons acting together which would
constitute a “group” for purposes of section 13(d) of the Securities Exchange Act of 1934, together with any affiliate thereof shall beneficially own (as defined in Rule 13d-3 under the Securities Exchange Act of 1934, as amended) at least
50% of the total voting power of all classes of capital stock of the Company entitled to vote generally in the election of directors of the Company after such event or series of events; or 
  
 (ii) Any event or series of events that results in the
Directors on the Board of Directors, who were Directors prior to the event or series of events, to cease to constitute a majority of the Board of Directors of any parent of or successor to the Company; or 
  
 (iii) The merger, consolidation or reorganization (a) in
which the Company is the continuing or surviving corporation, (b) in which the Company is not the continuing or surviving corporation, or (c) pursuant to which the Company’s common stock would be converted into cash, securities or other
property, except in the case of either (a), (b), or (c), a consolidation, merger or reorganization of the company in which the holders of the Common Stock immediately prior to the consolidation, merger, or reorganization have, directly or
indirectly, at least a majority of the total voting power of all classes of capital stock entitled to vote generally in the election of directors of the continuing or surviving corporation immediately after such consolidation, merger or
reorganization in substantially the same proportion as their ownership of Common Stock immediately before such transaction ; or 
  
 (iv) The consummation of a tender or exchange offer for shares of the Company’s Common Stock (other than tender or exchange offers
made by the Company or Company-sponsored employee benefit plans) for at least 50% of the total voting policy of all classes of stock of the company entitled to vote generally in the election of directors of the Company; or 
  
 (v) The sale or transfer of all or substantially all of the
assets of the Company to an unaffiliated corporation, Person or entity. 
  
 For purposes of this Section, “Person” shall have the meaning given in Section (3)(a)(9) of the Exchange Act, as modified and used in Sections 13(d) and 14(d) thereof; however, a Person shall not include (i)
the Company or any of its subsidiaries or 

 affiliates, (ii) a trustee or other fiduciary holding securities under an employee benefit plan of the
Company or any of its subsidiaries, (iii) an underwriter temporarily holding securities pursuant to an offering of such securities, or (iv) a corporation owned, directly or indirectly, by the stockholders of the Company in substantially the same
proportions as their ownership of stock of the Company. 
  
 The
Severance Benefits shall be the sole consideration due from INTELIDATA to Employee relating to Employee’s employment with INTELIDATA and his separation from employment and in return for the General Release and Waiver in Paragraph 7, below.
Employee accepts the Severance Benefits as a final accord and satisfaction of all payments due from the Company relating to Employee’s employment. Employee understands that by offering these Severance Benefits and entering into this Agreement,
INTELIDATA does not admit liability for any wrongful or unlawful act in connection either with Employee’s separation from employment or with making this offer. 
  

	4.	Consulting Agreement. The parties agree to enter into a Consulting Agreement effective on the Separation Date whereby the Company shall have the right to obtain consulting
services from the Employee after the Separation Date. Employee also agrees that, upon request of the Company, he will provide a reasonable level of consulting services and participate in the due diligence process related to a potential Change in
Control transaction as contemplated in Section 3(e) above. 

  

	5.	Employment Agreement. The “Employee Confidentiality and Nondisclosure Agreement” Employee entered into effective as of July 13, 2000 shall survive the Separation
Date and Employee’s termination of employment. The Employment Agreement shall terminate on the Separation Date; provided however, the provisions of Sections 4 and 5 of the Employment Agreement regarding “Non-Competition, Non-Hire,
Non-Disparagement” and “Confidentiality” shall survive termination in accordance with their terms. Any breach of such provisions shall be grounds for termination of the payments described in this Agreement. 

 

	6.	Change in Control Agreement. The amended and restated Change in Control Agreement shall terminate as of the Separation Date. 

  

	7.	Employee General Release and Waiver. Employee voluntarily and knowingly executes this General Release and Waiver in consideration of the Severance Benefits set forth in
Paragraph 3 above. With the intention of binding Employee, Employee’s heirs, and Employee’s personal and/or legal representatives, successors, and assigns, Employee does hereby waive, release, and forever discharge InteliData and/or its
successors, assigns, subsidiaries, including, without limitation, Home Account Holdings, Inc. and Home Account Network, Inc., affiliated or related entities, and/or its owners, officers, employees, directors, agents, and representatives
(“InteliData and its Affiliates”) of all charges, complaints, causes of action, and claims of any kind, including but not limited to claims under Title VII of the Civil Rights Act of 1964, the Civil Rights Act of 1991, the Americans with
Disabilities Act, the Rehabilitations Act of 1973, WARN Act, any other federal, state or local law prohibiting discrimination on account of Employee’s race, color, sex, marital status, national origin or any disability Employee may have, for
wrongful termination and any or common law, for back pay, overtime wages, front pay, lost benefits, compensatory damages, liquidated damages, punitive damages, attorneys’ fees and costs, or any other damages arising from

 events, acts, or omissions which occurred prior to the date the Employee executes this Agreement, whether
such claims are presently known or hereafter discovered. This release of claims includes but is not limited to: 1) any claims the Employee may have arising from the terms and conditions of his employment by InteliData, its subsidiaries and
affiliates or his termination from employment, 2) any claim for reemployment or reinstatement with InteliData or any affiliated company; and 3) any claims for attorney’s fees, settlement costs, or any other costs incurred by Employee in
connection with entering into this Agreement. This waiver does not apply to any rights or claims that relate to events which may occur after the date this Agreement is effective. 
  

	8.	Period for Revocation. With respect to the General Release and Waiver in paragraph 7, Employee agrees and understands that Employee is specifically releasing all claims under
the Age Discrimination in Employment Act (ADEA), as amended, 29 U.S.C. § 621 et seq. Employee states that his waiver of ADEA claims is knowing and voluntary, and he understands that he is forever releasing InteliData and its Affiliates
and covenanting not to sue with respect to such claims. Employee further acknowledges that Employee has had, or waives his right to have, at least twenty-one (21) days to consider this Agreement to waive and release any claims he might have against
InteliData and its Affiliates, including claims under the ADEA. This Agreement shall become effective and enforceable seven (7) days after the date it is executed, and Employee understands that he has the right to review it with an attorney of his
choice and to revoke this Agreement at any time within that seven (7) day period. If the end of the revocation period falls on a Saturday, Sunday or legal holiday in they Commonwealth of Virginia, the revocation period will be extended until the
next day that is not a Saturday, Sunday or legal holiday. If Employee elects to revoke this Agreement within this seven day period, Employee must do so by delivering a written notice of revocation to the INTELIDATA CEO no later than 5:00 p.m. on the
seventh day after Employee has signed the Agreement. If Employee fails to sign this Agreement, or if Employee revokes the Agreement before the expiration of the seven day period, this Agreement shall be cancelled and void and neither party shall
have any rights or obligations arising under it and Employee shall not be entitled to receive any benefits or payments under this Agreement. 

  

	9.	No Employee Assignment. This Agreement may not be assigned, in whole or in part, by Employee and shall fully bind, and inure to the benefit of, the heirs, successors and
representatives of the parties. 

  

	10.	Acknowledgment. Employee acknowledges that Employee has read and understands the Agreement and executes it voluntarily and without coercion. Employee further acknowledges
that Employee is hereby advised of Employee’s right to consult with an attorney of Employee’s choice at Employee’s own expense prior to executing this Agreement. Finally, Employee acknowledges and agrees that the payments and promises
reflected in this Agreement constitute good and sufficient consideration for the foregoing waiver and release, as well as the other promises made herein, and exceed anything of value to which Employee is owed by InteliData. Employee acknowledges he
is responsible for any tax consequences of the payments made pursuant to this Agreement. 

  

	11.	Entire Agreement. The Agreement is the final and complete agreement between the parties as to the subject matter herein, and shall, to the extent it conflicts with any prior
oral or written agreement between the parties, supercede such prior agreements with the exception of 

 executed Confidentiality and Non-Disclosure Agreements, the “Non-Competition, Non-Hire, and
Non-Disparagement” provisions contained in Section 4 of the “Employment and Non-Competition Agreement”, dated June 14, 2000, between the Company and Employee, and executed Stock Option/Stock Award Agreements, which all shall survive
pursuant to their terms except as otherwise modified by this Agreement. No modification of this Agreement shall be made unless in writing and signed by both parties. Neither party shall disclose the contents of this Agreement to any third party,
except as may be required by law. This Agreement shall be governed by the laws of the State of Virginia. It shall be interpreted according to the fair meaning of its terms and not strictly in favor of, or against, any party. Nothing herein shall
eliminate or affect Employee’s rights under any Company employee benefit plan to the extent Employee is vested therein. Employee’s eligibility for and rights to benefits under such plans shall be determined in accordance with the
applicable plan documents. 
  
  

					
	 EMPLOYEE
	 	 	 	 INTELIDATA TECHNOLOGIES CORPORATION
  

	 /s/ Michael E. Jennings

	 	BY:	 	 /s/ Alfred S. Dominick, Jr.

	Michael E. Jennings	 	 	 	Alfred S. Dominick, Jr.
	 	 	 	 	Chief Executive Officer

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