Document:

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                                                                  EXHIBIT 10.28

                               VENTRO CORPORATION
                    1500 Plymouth Street, Mt. View, CA 94043

                                November 19, 2001

DDP Ventures
P.O. Box 10845
Oakland, CA  94610-0845
Attn: David Perry

Dear David:

                  Ventro Corporation (the "Company") is pleased to offer DDP
Ventures a Net Proceeds Income Agreement ("Agreement"), as referred to in
section 2(c) of the Employment Agreement (the "Employment Agreement") between
you and the Company dated November 16, 2001, on the following terms:

                  1. COMPANY'S INVESTMENTS. As of the date of this Agreement,
the Company has invested amounts (each, an "Eligible Investment" and
collectively, "Eligible Investments") in the following companies (collectively,
"Eligible Companies"): MarketMile; DoubleTwist; Cognia; Amphire Solutions, Inc.;
Ingenuity Work, Inc.; and BioWire.com/LabVelocity, Inc. In consideration for the
Company's Eligible Investments, the Company has received securities with respect
to the Eligible Companies.

                  2. NET PROCEEDS AMOUNT. DDP Ventures shall be eligible to
receive an amount ("Incentive Proceeds") equal to 10% of the Net Proceeds Amount
of each Eligible Investment, subject to the terms of this Agreement, including
but not limited to the requirements of Section 3 of this Agreement. The Net
Proceeds Amount of each Eligible Investment is equal to the amount that the
Company receives in cash or liquid securities upon the Company's liquidation
(each, a "Liquidation Date") of each Eligible Investment, less any applicable
taxes and withholdings, brokerage commissions, attorney fees and any other
direct incremental transaction costs or other fees related to the liquidation of
each Eligible Investment, not to include Ventro employee time. The Company's
Chief Executive Officer shall determine the Net Proceeds Amount and the
Liquidation Date with respect to each Eligible Investment.

                  3. PAYMENT DATE. DPP Ventures shall be paid the Incentive
Proceeds with respect to each Eligible Investment within thirty (30) days
following the date on which the Company receives the Net Proceeds Amount with
respect to each Eligible Investment, provided that the Liquidation Date occurs
on or prior to December 31, 2003. The Incentive Proceeds shall be payable to DPP
Ventures net of applicable withholding and payroll taxes and other deductions
required by law and shall be paid by Company check or by grant of 10% of the
liquid securities in the event of an IPO or purchase for stock by a publicly
traded company. DPP Ventures shall only be eligible to receive the Incentive
Proceeds attributable to the liquidation of each Eligible Investment with a
Liquidation Date that occurred prior to the termination date of this Agreement,
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David Perry
[Date]
Page 2

and in no event shall DPP Ventures receive the Incentive Proceeds with respect
to the liquidation of an Eligible Investment if the Liquidation Date for such
Eligible Investment occurs after December 31, 2003.

                  4. TERM AND TERMINATION. The term of this Agreement commences
from the date of this Agreement and continues through and until December 31,
2003; provided, however, that if prior to December 31, 2003, (a) you resign from
employment with the Company or (b) the Company terminates your employment for
Cause (as defined in the Employment Agreement), then this Agreement terminates
on the effective date of your resignation or termination, respectively. As
provided in Section 6(b) of the Employment Agreement, if the Company terminates
your employment for any reason other than Cause (as defined in the Employment
Agreement) prior to December 31, 2003, then the term of this Agreement shall
still continue through and until December 31, 2003.

                  5. GENERAL ASSETS. No amounts awarded or accrued under this
Agreement shall actually be funded, set aside or otherwise segregated prior to
payment. The obligation to pay distributions shall at all times be an unfunded
and unsecured obligation of the Company. DPP Ventures shall have the status of a
general creditor and shall look solely to the general assets of the Company for
the payment of any Incentive Proceeds.

                  6. NO ALIENATION RIGHTS. DPP Ventures shall not have the right
to alienate, pledge or encumber its interest in this Agreement, and such
interest shall not (to the extent permitted by law) be subject in any way to the
claims of DPP Ventures' creditors or to attachment, execution or other process
of law.

                  7. EMPLOYMENT RELATIONSHIP. Your employment with the Company
will be "at will" and governed by the Employment Agreement referenced above.

                  8. ENTIRE AGREEMENT. This Agreement supersedes and replaces
any prior agreements, representations or understandings, whether written, oral
or implied, between DPP Ventures and the Company and between you and the Company
with respect to the subject matter described herein.

                  9. GOVERNING LAW AND SEVERABILITY. This Agreement shall be
interpreted in accordance with the laws of the State of California (except its
provisions governing the choice of law). If any provision of this Agreement
becomes or is deemed invalid, illegal or unenforceable in any applicable
jurisdiction by reason of the scope, extent or duration of its coverage, then
such provision shall be deemed amended to the minimum extent necessary to
conform to applicable law so as to be valid and enforceable or, if such
provision cannot be so amended without materially altering the intention of the
parties, then such provision shall be stricken and the remainder of this
Agreement shall continue in full force and effect. If any provision of this
Agreement is rendered illegal by any present or future statute, law, ordinance
or regulation (collectively, the "Law") then that provision shall be curtailed
or limited only to the minimum extent necessary to bring the provision into
compliance with the Law. All the other
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David Perry
[Date]
Page 3

terms and provisions of this Agreement shall continue in full force and effect
without impairment or limitation.

                  10. NO ASSIGNMENT. This Agreement and all of DPP Ventures'
rights and obligations hereunder are specific to DPP Ventures and may not be
transferred or assigned by DPP Ventures at any time. The Company may assign its
rights under this Agreement to any entity that assumes the Company's obligations
hereunder in connection with any sale or transfer of all or a substantial
portion of the Company's assets to such entity.

                  11. ARBITRATION.

                  (a) SCOPE OF ARBITRATION REQUIREMENT. The parties hereby waive
their rights to a trial before a judge or jury and agree to arbitrate before a
neutral arbitrator any and all claims or disputes arising out of this Agreement.

                  (b) PROCEDURE. The arbitrator's decision shall be written and
shall include the findings of fact and law that support the decision. The
arbitrator's decision shall be final and binding on both parties, except to the
extent applicable law allows for judicial review of arbitration awards. The
arbitrator may award any remedies that would otherwise be available to the
parties if they were to bring the dispute in court. The arbitration shall be
conducted in accordance with the National Rules for the Resolution of Employment
Disputes of the American Arbitration Association; provided, however, that the
arbitrator shall allow the discovery authorized by the California Arbitration
Act or that the arbitrator deems necessary for the parties to vindicate their
respective claims or defenses. The arbitration shall take place in Santa Clara
County, California or, at the option of DPP Ventures, the county in which DPP
Ventures primarily conducted business with the Company at the time when the
arbitrable dispute or claim first arose.

                  (c) COSTS. The parties shall share the costs of arbitration
equally, except that the Company shall bear the cost of the arbitrator's fee and
any other type of expense or cost that DPP Ventures would not be required to
bear if DPP Ventures were to bring the dispute or claim in court. Both DPP
Ventures and the Company shall be responsible for their own attorneys' fees, and
the arbitrator may not award attorneys' fees unless a statute or contract at
issue specifically authorizes such an award.

                  (d) APPLICABILITY. This arbitration provision does not apply
to the following: (a) workers' compensation or unemployment insurance claims or
(b) claims concerning the validity, infringement or enforceability of any trade
secret, patent right, copyright or any other trade secret or intellectual
property held or sought by either DPP Ventures or the Company (whether or not
arising under the Company's Employee Confidentiality Agreement between you and
the Company).
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David Perry
[Date]
Page 2

                  12. COUNTERPARTS. This Agreement may be executed in two or
more counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument.

                                    * * * * *

                  DPP Ventures may indicate agreement with these terms and
accept the terms of this Agreement by signing and dating the enclosed duplicate
original of this Agreement and returning it to me.

                  If you have any questions, please call me at 650.567.8900.

                                           Very truly yours,

                                           VENTRO CORPORATION

                                           By:  /s/Ted Drysdale
                                                -------------------------------
                                           Title:       President & CEO
                                                 ------------------------------

I have read and accept this Agreement:

    /s/ David Perry
------------------------------------
         Signature of David Perry

Dated:   11/19/01
        ----------------------------<PAGE>

                                                                   EXHIBIT 10.32

                        [LETTERHEAD OF DIGITAL INSIGHT]

February 1, 2001

Elizabeth Murray
7914 Campion Drive
Los Angeles, California 90045

Dear Elizabeth:

I am very pleased to offer you a position with Digital Insight Corporation (the
"Company") as its Executive Vice President, and Chief Financial Officer.  In
this capacity you will report to John Dorman, Chairman and Chief Executive
Officer.

You will be classified as an exempt, full time employee and receive an annual
salary of $250,000, which will be paid in accordance with the Company's normal
pay procedures.  Additionally, you will be eligible to participate in the
Company's executive management incentive program with targeted cash bonus
compensation equal to 50% of your annual salary subject to the terms and
conditions of the Program. You will be eligible to participate in this program
for fiscal year 2002 with no pro-ration. The amount of the bonus award is
subject to the sole discretion of the Company Board of Directors, based upon
performance targets for you and/or the Company.  Also, Digital Insight will
provide you with a sign-on bonus of $75,000 to be paid with the first full
payroll cycle following you date of hire.

Subject to Board approval, you will be granted a stock option to purchase
225,000 shares of Digital Insight Common Stock.  The exercise price will be the
fair market value on your date of hire, which is equal to the Nasdaq closing
price of our stock on the previous trading day.  You will also receive future
stock option grants commensurate with other senior executives of the company.
The shares underlying the option will vest over a 48-month period with 25%
vesting 12 months after your date of hire and 1/48th of the total grant vesting
monthly thereafter.  The stock option is subject to the terms and conditions of
our stock option plan ("Option Plan") and will be documented separately by our
standard stock option agreement ("Option Agreement").  In the event of a "Change
in Control" of the Company, 50% of the remaining unvested shares underlying your
option and any future options granted by the Company as of that date will be
immediately vested.  As used in this offer, a "Change in Control" shall mean any
of the following transactions to which the Company is a party:

(i)  a merger or consolidation in which the Company is not the surviving entity,
     except for (A) a transaction the principal purpose of which is to change
     the state of the Company's incorporation, or (B) a transaction in which the
     Company's stockholders immediately prior to such merger or consolidation
     hold (by virtue of securities received in exchange for their shares in the
     Company) securities of the surviving entity representing more than fifty
     percent (50%) of the total voting power of such entity immediately after
     such transaction;

Page 1 of 3-Murray Offer
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 (ii) the sale, transfer or other disposition of all or substantially all of the
      assets of the Company unless the Company's stockholders immediately prior
      to such sale, transfer or other disposition hold (by virtue of securities
      received in exchange for their shares in the Company) securities of the
      purchaser or other transferee representing more than fifty percent (50%)
      of the total voting power of such entity immediately after such
      transaction; or

(iii) any reverse merger in which the Company is the surviving entity but in
      which the Company's stockholders immediately prior to such merger do not
      hold (by virtue of their shares in the Company held immediately prior to
      such transaction) securities of the Company representing more than fifty
      percent (50%) of the total voting power of the Company immediately after
      such transaction.

You will be eligible to receive Company benefits enjoyed by all Digital Insight
employees and senior executives in accordance with the eligibility terms and
conditions of these programs. As an executive officer of the Company you will
exempt from the normal limits on paid time off that are defined in the Employee
Handbook, and the Company will not accrue paid time off for you. It is expected
that you will take paid time off as needed and at your discretion, subject only
to the approval of the Chairman and Chief Executive Officer.  Participation in
the Company's AXIS.ABLE Flex Benefits program will be effective the 1st of the
month following 30 days of employment. These programs will be reviewed with you
in detail during your new hire orientation.

As a condition of your employment with Digital Insight, you will be required to
sign an employee Nondisclosure Agreement which requires, among other provisions,
the assignment of patent and other intellectual property rights to any invention
made during your employment at the Company and non-disclosure of proprietary
information. You agree that, during the term of your employment with the
Company, you will not engage in any other employment, occupation, consulting or
other business activity directly related to the business in which the Company is
now involved or becomes involved during the term of your employment, nor will
you engage in any other activities that conflict with your obligations to the
Company.  As an employee of the Company, you will also be expected to abide by
other Company rules, regulations and policies and acknowledge in writing that
you have read the Company's Employee Handbook (once it has been made available
to you).  Employment is also conditioned upon satisfactory results on a
background investigation. The background investigation will include the
following checks: 5 years employment verification, criminal background,
department of motor vehicles driving record, professional references, education
verification and a credit report.

For purposes of federal immigration law, you will be required to provide proof
of eligibility to work in the United States. Such documentation must be provided
to us within three (3) business days of your date of hire, or our employment
relationship with you may be terminated.  You shall be indemnified by the
Company against liability as an officer of the Company and any affiliate to the
maximum extent permitted by applicable law and Company by-laws.  This
indemnification shall continue so long as you may be subject to such liability.

For clarification and the protection of both you and the Company, this letter
represents the sole agreement between you and Digital Insight. It constitutes
and expresses the entire

Page 2 of 3-Murray Offer
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agreement regarding your employment. Any previous promises, representations or
understanding relative to any terms and conditions are not to be considered as
part of this offer unless expressed here in writing. It is understood that
employment is at the mutual consent of the employee and the Company.
Accordingly, either the employee or the Company can terminate the employment
relationship at will, at any time, with or without cause or advance notice, and
without further obligation.

If your employment with the Company is terminated without Cause after three
months but before twelve months of employment, the Company will provide salary
and benefits continuation for a period of six (6) months following the
termination date, ending no earlier than the one year anniversary of your date
of hire.

For purposes of the foregoing provisions of this letter, the term "Cause" shall
mean: (i) the conviction of any felony or any crime involving moral turpitude or
dishonesty; (ii) participation in a fraud or act of dishonesty against the
Company which adversely affects the Company in a material way; (iii) willful
breach of the Company's rules, regulations and policies which adversely affects
the Company in a material and demonstrable way; (iv) intentionally causing
material damage to the Company's property or business; (v) conduct which
constitutes gross insubordination; or (vi) habitual gross neglect of duties;
provided that the action or conduct described in clauses (iii), (v) and (vi)
above will constitute "Cause" only if such action or conduct continues after the
Company has provided Employee with written notice thereof and a reasonable
opportunity (to be not less than 30 days nor more than 90 days) to cure the
same.  For the above purposes, a termination by the Company without Cause
includes a termination of employment by you within 60 days following notice to
you of: (a) the assignment by the Company of any duties to you which are
inconsistent with, or reflecting a materially adverse change in, your position,
duties, responsibilities, reporting relationships, base salary, compensation, or
status with the Company,  (b) any required relocation greater than 50 miles from
the Company's home office in Calabasas, or (c) any material breach of this
letter agreement by the Company.

This letter may not be modified or amended except by a written agreement, signed
either by (a) you and the President and Chief Operating Officer of the Company,
or (b) you and the Chief Executive Officer of the Company.

To accept this offer, please sign and date this letter in the space provided
below and return it to me. As you know Digital Insight is a growing Company with
a bright future.  I am delighted to extend this offer to you, and look forward
to working with you at Digital Insight.

Best regards,                            Acceptance:

                                          /s/ ELIZABETH MURRAY
Dale Walker                              -----------------------
President & Chief Operating Officer
                                         Date: February 10, 2002
                                              ------------------

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