Document:

Q2 2001 Exhibit 10.13

Exhibit 10.13

AMENDED AND RESTATED LOAN AGREEMENT

This Amended and Restated Loan Agreement
("Agreement") is made and entered into as of July 12, 2001, by and
between E-Loan, Inc., a Delaware corporation ("Company"), and Christian
A. Larsen ("Lender").

RECITALS

A.Lender has previously entered into a Loan Agreement
dated April 2, 2002 (the "Prior Agreement") with Lender.

B.The Company and Lender wish to reduce the commitment
amount under the Prior Agreement and make such other changes to the rights and
obligations of the parties as are set forth herein.

C.Lender and the Company wish to restate their rights and
obligations as set forth in the Prior Agreement by hereby agreeing that the
Prior Agreement be wholly amended and restated by this Agreement.

TERMS AND CONDITIONS

NOW, THEREFORE, the parties hereto agree as follows:

	Loan Commitment. Lender hereby agrees to loan or
advance to the Company up to a maximum of $2,500,000 (the "Loan Commitment"),
which the Company may, in its sole and absolute discretion, draw down at any
time or from time to time, upon 48 hours prior notice to Lender. The Loan
Commitment shall be adjusted downward on a dollar-for-dollar basis by the amount
which the Company owes Lender from time to time pursuant to promissory notes
issued in accordance with Section 2 below. The obligation of the Company
pursuant to the Loan Commitment shall be suspended during any period in which
the Company shall not be in compliance with each and every covenant pursuant to
its Senior Indebtedness. Senior Indebtedness means any sums due, owing or
payable under, as a result of, or with respect to any warehouse, revolving or
general lines of credit, regardless of the amount(s) or terms thereof, whether
such credit facilities are now existing or are hereafter obtained by the
Company, for use primarily to fund, on a short-term or temporary basis, mortgage
loans, automobile purchase and lease contracts, and other conditional or
installment sale contracts or similar loan transactions, including, without
limitation, the credit facilities provided to the Company by Greenwich Capital
Financial Products, Inc., GE Capital Mortgage Services, Inc., as security agent
for Cooper River Funding Inc. and Bank One, NA, and any and all extensions,
renewals, amendments and modifications thereto and replacements thereof and any
similar facilities thereto.

	Terms of the Promissory Loan. Upon each draw down
pursuant to the Loan Commitment, the Company will issue and deliver to Lender
its Promissory Note or Notes, in the form of Exhibit A attached hereto
and incorporated herein by this reference (the "Promissory Note" or "Promissory
Notes"). The Promissory Notes will bear interest at the rate of the lower of 12%
per annum, or the maximum legal rate allowed. The Promissory Notes will be due
and payable on January 5, 2002, subject to acceleration of the maturity date, as
set forth in the Promissory Note. The Promissory Notes will be secured pursuant
to an Amended and Restated Security Agreement in the form of Exhibit B
hereto.

	Time is of the Essence. Time is of the essence
with respect to each and every term and condition of this Agreement.

	Notices. All notices or other written
communications required or permitted to be given by Agreement shall be deemed
given if personally delivered or five (5) days after it has been sent (the date
of posting shall be considered as the first day and there shall be excluded any
Sundays, legal holidays or other days upon which the United States mail
generally is not delivered) by United States registered or certified mail,
postage prepaid, property addressed to the party to receive the notice at the
following address or any other address given to the other party in the manner
provided by this Section 4: 

	
If to Lender:
	
Christian A. Larsen

E-Loan, Inc.

5875 Arnold Road, Suite 100

Dublin, California 94568

	
If to the Company:
	
E-Loan, Inc.

5875 Arnold Road, Suite 100

Dublin, California 94568

Attention: Joseph J. Kennedy

	Severability. If any provision of this Agreement
is determined to be invalid or unenforceable, the provision shall be deemed to
be severable from the remainder of this Agreement and shall not cause the
invalidity or unenforceability of the remainder of this Agreement.

	Attorneys' Fees and Litigation Costs. If any legal
action or other proceeding is brought for the enforcement of this Agreement, or
because of an alleged dispute, breach, default or misrepresentation in
connection with any provision of this Agreement, the successful or prevailing
party shall be entitled to recover reasonable attorneys' fees and other costs
incurred in that action or proceeding, in addition to any other relief to which
it may be entitled.

	Governing Law. This Agreement shall be governed
by, interpreted under, and construed and enforced in accordance with the
internal laws, and not the laws pertaining to conflicts or choice of laws, of
the State of California applicable to agreements made and to be performed wholly
within the State of California. 

	Captions. The captions of the sections and
subsections of this Agreement are included for reference purposes only and are
not intended to be a part of the Agreement or in any way to define, limit or
describe the scope or intent of the particular provision to which they
refer.

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

	Entire Agreement; Amendment. This Agreement
contains the entire understanding between the parties with respect to the
subject matter hereof and supersedes any and all prior and contemporaneous
written or oral negotiations and agreements between them regarding the subject
matter hereof. This Agreement may be amended only in a writing signed by both of
the parties.

IN WITNESS WHEREOF, the parties hereto have executed this
Agreement as of the date first above mentioned.

	
"COMPANY"

E-LOAN, Inc., a Delaware corporation
By: /s/ Joseph J. Kennedy

Joseph J. Kennedy, President and Chief Operating Officer

	
"LENDER"

/s/ Christian A. Larsen

CHRISTIAN A. LARSEN

EXHIBIT A

E-LOAN, INC.

SECURED NOTE
$[Amount of Draw Down][Date of Draw Down]
(the "Issue Date")

   Dublin, California

E-LOAN, INC., a Delaware corporation (the "Company"), the
principal office of which is located at 5875 Arnold Road, Suite 100, Dublin,
California 94568, for value received hereby promises to pay to Christian A.
Larsen, or his registered assigns, the principal sum of ($[__________]), plus
interest at the rate specified below, which shall be due and payable on the
earlier to occur of (i) January 5, 2002 (the "Maturity Date"), (ii) when
declared due and payable by the Holder upon the occurrence of an Event of
Default (as defined below) or (iii) a redemption in accordance with
Section 4. Payment for all amounts due hereunder shall be made by mail to
the registered address of the Holder (as defined below) or, if written demand is
provided by the Holder to the Company, by wire transfer, or as otherwise set
forth herein. This Note is issued in connection with that certain Amended and
Restated Loan Agreement, dated as of July 12, 2001, as the same may from
time to time be amended, modified or supplemented (the "Loan Agreement"). The
Holder is subject to certain restrictions set forth in the Loan Agreement and
shall be entitled to certain rights and privileges set forth in the Loan
Agreement. All capitalized terms used and not defined in this Note, but defined
in the Loan Agreement or the Security Agreement (as defined hereinafter), shall
have the meanings set forth in the Loan Agreement or the Security Agreement as
applicable.

The following is a statement of the rights of the Holder of
this Note and the conditions to which this Note is subject, and to which the
Holder hereof, by the acceptance of this Note, agrees:

	Definitions. As used in this Note, the following
terms, unless the context otherwise requires, have the following
meanings:

"Change of Control Event" means (i) the sale,
conveyance or disposition in one or a series of transactions of all or
substantially all of the assets of the Company or any of its significant
subsidiaries (as determined by under Rule 1-02(w) of Regulation S-X under the
Securities Act of 1933 (the "Securities Act") and the Securities Exchange Act of
1934 (the "Exchange Act"), as each may be amended or any successor act thereto),
or any transaction that is subject to Rule 13e-3 of the Exchange Act, (ii) the
consummation of a transaction by which any Person or Group (as each is defined
below), is or becomes the beneficial owner, directly or indirectly, of 50% or
more of the securities issued by the Company having the power to vote (measured
by voting power rather than number of shares) in the election of directors (the
"Voting Stock") of the Company or (iii) the consolidation, merger or other
business combination of the Company with or into any other Person or Persons
(other than (a) a consolidation, merger or other business combination in which
holders of the Company's Voting Stock immediately prior to the transaction
continue after the transaction to hold, directly or indirectly, the same
relative percentage of the Voting Stock as before any such transaction and the
Voting Stock of the surviving entity or entities necessary to elect a majority
of the members of the board of directors (or their equivalent if other than a
Company) of such entity or entities, including pursuant to a holding company
merger effected under Section 251(g) of the Delaware General Corporation Law or
any successor provision, or (b) pursuant to a migratory merger effected solely
for the purpose of changing the jurisdiction of incorporation of the
Company).

"Common Stock" means and refers to the Common Stock,
par value $0.001 per share, of the Company.

"Company" includes any Company which shall succeed to
or assume the obligations of the Company under this Note.

"Group" means a group of Persons with the meaning
thereof under Section 13(d)(3) of the Exchange Act and the rules and regulations
promulgated thereunder.

"Holder" when the context refers to a holder of this
Note, shall mean any person who shall at the time be the registered holder of
this Note.

"Indebtedness" means any sums due, owing or payable
under, as a result of, or with respect to (i) any warehouse, revolving or
general lines of credit, regardless of the amount(s) or terms thereof, whether
such credit facilities are now existing or are hereafter obtained by the
Company, (ii) other conditional or installment sale contracts or similar loan
transactions, and any and all extensions, renewals, amendments and modifications
thereto and replacements thereof and any similar facilities thereto. and (iii)
the 8% Convertible Note of the Company purchased by The Charles Schwab
Corporation, dated July 12, 2001, due on January 19, 2003.

"Person" means any individual, corporation, limited
liability company, partnership, joint venture, association, trust or other
entity or organization.

"Security Agreement" means and refers to the Amended
and Restated Security Agreement, dated as of July 12, 2001, as the same may
from time to time be amended, modified or supplemented (the "Security
Agreement").

	Interest.

	Interest. The Holder shall be entitled to receive
interest payments under the Note equal to twelve percent (12.00%) per annum (or
the maximum legal rate allowed) of the Unpaid Principal payable in cash out of
funds legally available therefor on each Quarterly Interest Payment Date (as
defined below). The "initial principal" as cumulatively adjusted from time to
time by accumulated interest or otherwise contemplated herein, shall be referred
to as the "Unpaid Principal."

	Cumulative Quarterly Payments. Interest on the
Unpaid Principal shall accrue daily, whether or not funds are legally available
therefor, from the Issue Date. Interest on the Unpaid Principal shall be payable
on March 31, June 30, September 30 and December 31 of each year (each such date
being referred to herein as a "Quarterly Interest Payment Date"), commencing on
June 30, 2001 (the "Initial Quarterly Interest Payment") to the Holder on such
record dates, which shall be ten business days preceding each Quarterly Interest
Payment Date (each such date being referred to herein as a "Quarterly Interest
Record Date"). The amount of interest payable for each quarterly interest period
shall be computed by multiplying the then applicable Unpaid Principal by the
annual interest amount of twelve percent (12.00%) (or the maximum legal rate
allowed), divided by four (4). The amount of interest payable for the initial
interest period and interest payable for any other period that is shorter or
longer than a full quarterly interest period shall be computed on the basis of a
360-day year consisting of twelve 30-day months. The Holder shall not be
entitled to receive any interest, whether payable in cash or otherwise, which is
in excess of the cumulative interest provided for herein.

	Interest Rate Following Maturity, etc.
Notwithstanding the foregoing, in the event that the Note is not redeemed or
otherwise extinguished on or prior to the date specified or required herein for
such redemption or termination, interest on the Note after the first date of the
occurrence of the failure of such redemption, conversion or termination
including repayment on the Maturity Date, shall continue to accrue and be added
to the Unpaid Principal at the rate of fifteen percent (15%) per annum of the
then Unpaid Principal (the "Premium Rate").

	Event of Default. 

	Definition of Event of Default. In addition to any
Event of Default under the Security Agreement, each of the following shall
constitute an Event of Default under this Note:

	Interest and Principal Payments. If the Company
fails to pay principal or interest when and as payable under this Note, whether
at the maturity, as a result of acceleration or otherwise, and such failure to
pay shall have continued for ten days (except where an adjustment to the Unpaid
Principal is made in lieu of a payment of interest); or 

	Performance. If the Company fails to perform or
observe any other of the covenants, conditions or agreements on the part of the
Company, set forth in this Note or the Loan Agreement or the Security Agreement,
and such failure shall have continued for ten days; or

	Representations and Warranties. If any
representation, warranty or statement made by the Company in this Note, the Loan
Agreement, the Security Agreement, or in any certificate or other instrument
delivered by or on behalf of the Company to the Holder pursuant to this Note,
the Loan Agreement or the Security Agreement shall be incorrect in any material
respect as of the time when made; or

	Company Filed Petition of Bankruptcy or
Reorganizations. If the Company shall file a petition in bankruptcy or for
reorganization or for an arrangement or any composition, readjustment,
liquidation, dissolution or similar relief pursuant to Title 11 of the United
States Code or under any similar present or future federal law or the law of any
other jurisdiction or shall be adjudicated a bankrupt or become insolvent, or
consent to the appointment of or taking possession by a receiver, liquidator,
assignee, trustee, custodian, sequestrator (or other similar official) of the
Company for all or any substantial part of the property of the Company, or shall
make an assignment for the benefit of its creditors, or shall admit in writing
its inability to pay its debts generally as they become due, or shall take any
corporate action, in furtherance of any of the foregoing; or

	Third-Party Petition of Bankruptcy or
Reorganization. If a petition or answer shall be filed proposing the
adjudication of the Company as bankrupt or its reorganization or arrangement or
any composition, readjustment, liquidation, dissolution or similar relief with
respect to it pursuant to Title 11 of the United States Code or under any
similar present or future federal law or the law of any other jurisdiction
applicable to the Company, and the Company shall consent to or acquiesce in the
filing thereof, or such petition or answer shall not be discharged or denied
within 60 days after the filing thereof; or

	Court Decree or Order. If a decree or order is
rendered by a court having jurisdiction (i) for the appointment or a
receiver or custodian or liquidator or trustee or sequestrator assignee (or
similar official) in bankruptcy or insolvency of the Company or of all or a
substantial part of its property, or for the winding up or liquidation of its
affairs, and such decree or order shall have remained in force undischarged and
unstayed for a period of 60 days, or (ii) for the sequestration or
attachment of any property of the Company without its return to the possession
of the Company or its release from such sequestration or attachment within
60 days thereafter; or

	Default On Credit Facilities. (i) If the
Company fails to pay any part of the principal of, the premium, if any, or the
interest on, or any other payment of money due under, any of its Indebtedness;
provided, however, the Company shall be entitled to notice of such failure and
to cure such failure in accordance with applicable loan documents; or
(ii) if the Company fails to perform or observe any other agreement, term
or condition contained in, or be in default of, any agreement under which any
such Indebtedness was issued or created, if the effect of any such failure is to
cause, or permit the holders of such Indebtedness to become due prior to its
stated maturity or scheduled due date; provided, however, the Company shall be
entitled to notice of such failure and to cure such failure in accordance with
applicable loan documents; or

	Judgments. If final judgment for the payment of
money shall be entered against the Company and if such judgment shall not be
vacated, satisfied or discharged within 30 days after the entry thereof or
within such longer period as the execution of such judgment shall have been
stayed, and if such judgment, together with all other such judgments, exceeds,
in the aggregate, $1,000,000.

	Remedies. If any Event of Default shall have
occurred and be continuing:

	Acceleration. The Holder may, by notice to the
Company, declare the entire outstanding principal of the Note, and all accrued
and unpaid interest thereon, to be due and payable immediately, and upon any
such declaration the entire outstanding principal of the Note and said accrued
and unpaid interest shall become and be immediately due and payable, without
presentment, demand, protest or other notice whatsoever, all of which are hereby
expressly waived.

	Enforcement of Rights. The Holder may enforce its
rights by suit in equity, by action at law, or by any other appropriate
proceedings, whether for the specific performance (to the extent permitted by
law) of any covenant or agreement contained in this Note, the Loan Agreement or
the Security Agreement or in aid of the exercise of any power granted in this
Note, the Loan Agreement or the Security Agreement.

	Conduct No Waiver; Collection Expenses. No course
of dealing on the part of any Holder, nor any delay or failure on the part of
any Holder to exercise any of its rights, shall operate as a waiver of such
right or otherwise prejudice such Holder's rights, powers and remedies. If the
Company fails to pay, when due, the principal of, the premium on, if any, or the
interest on the Note, the Company will pay to the Holder, to the extent
permitted by law, on demand, such further amounts as shall be sufficient to
cover the cost and expenses, including, but not limited to, all reasonable
attorneys' fees, incurred by the Holder in collecting any sums due on the Note.
If the Company fails to comply with any other provision of this Note or the Loan
Agreement, the Company will pay to the Holder, to the extent permitted by law,
on demand, such further amounts as shall be sufficient to cover the costs and
expenses, including, but not limited to, all reasonable attorneys' fees,
incurred by the Holder in enforcing any of its rights.

	Remedies Cumulative. No right or remedy conferred
upon or reserved to the Holder under this Note or the Loan Agreement is intended
to be exclusive or any other right or remedy, and every right and remedy shall
be cumulative and in addition to every other right or remedy whether or not
given hereunder or hereafter existing under any applicable law. Every right and
remedy given by this Note or the Loan Agreement or by applicable law to the
Holder may be exercised from time to time and as often as may be deemed
expedient by the Holder.

	Redemption. The Unpaid Principal sum of this Note
shall be redeemable as follows:

	Optional Redemption.

	Timing and Amount. The Unpaid Principal sum of
this Note will be redeemable for cash, at the option of the Company, subject to
the notice provisions described below, in whole or in part, at any time or from
time to time out of funds legally available therefor.

	Partial Redemption. If less than all the Unpaid
Principal under the Note is to be redeemed pursuant to Section 4.1(a), a
new Note shall be issued representing the unredeemed Unpaid Principal without
any cost to the holder thereof.

	Redemption Procedure.

	Notice of Redemption. In the event the Company
shall exercise its option to redeem Unpaid Principal pursuant to
Section 4.1, notice of such redemption shall be given by courier or first
class mail, postage prepaid, at least 30 but no more than 60 days prior to the
redemption date, to the Holder's address as the same appears on the records of
the Company. Each such notice shall state: (1) the redemption date, (2) the
amount of Unpaid Principal to be redeemed from the Holder, (3) the place or
places where the Note is to be surrendered for payment of the Unpaid Principal
and (4) that interest on the Unpaid Principal to be redeemed shall cease to
accrue on such redemption date. Notice having been mailed as aforesaid, on and
after the redemption date, provided that all Unpaid Principal has been duly
repaid, (i) interest shall cease to accrue on the Note so called for redemption,
(ii) the Note so called for redemption shall no longer be deemed to be
outstanding, and (iii) all rights of the Holder of the Note so called for
redemption shall cease except the right to receive the repayment of the Unpaid
Principal, upon surrender of the Note.

	Surrender of Note. If redemption of all the Unpaid
Principal is to occur, as a condition to the redemption payment, but not to the
redemption itself, the Holder shall be obligated to surrender the Note for
cancellation. If redemption is to occur for a portion of the Unpaid Principal,
then the fact of such partial redemption, including the amount paid and the date
through which payment is made shall be marked on the original Note or an allonge
and the original Note shall thereafter be returned to the Holder.

	Redemption Upon a Change of Control
Event.

	Timing and Amount. In the event there occurs a
Change of Control Event in which all or a portion of the consideration payable
to the holders of the Company's Common Stock is other than cash, the Company or
its successor (or its ultimate parent, in either case, the "Successor") shall
offer to redeem this Note held for an amount in cash equal to the total Unpaid
Principal owing under the Note, by delivery of a notice of such offer (a "Change
of Control Redemption Offer"). Upon a Change of Control Event, the Holder shall
have the right (but not the obligation) to require the Company or its Successor
to purchase the Note held by such holder for an amount in cash equal to the
total Unpaid Principal owing under the Note; it being understood that, as a
condition to the consummation of any such Change of Control Event, the Company
and any Successor shall have agreed to satisfy the obligations to the Holder
under this Section 4.3. The Holder shall also be permitted, until the fifth
(5th) business day following a Change of Control Event, to surrender
the Note to the Company or its Successor. In the event that the Holder does not
elect to convert or redeem the Holder's Note pursuant to the foregoing sentence,
the Holder shall retain any rights it has hereunder with respect to such Change
of Control Event, including to redeem its Note in connection with any subsequent
Change of Control Event.

	Notice of Change of Control Event. Within ten
business days prior to the closing of a transaction which shall constitute a
Change of Control Event, the Company or its Successor shall give notice by mail
to the Holder, at such Holder's address as it appears on the transfer books of
the Company, of such Change of Control Event, which notice shall set forth the
Holder's right to require the Company to redeem all, but not less than all, of
the Unpaid Principal owing under the Note, the redemption date (which date shall
be no more than 30 business days following the date of such mailed notice), and
the procedures to be followed by the Holder in exercising its right to cause
such redemption. In the event the Holder shall elect to require the Company or
its Successor to redeem all Unpaid Principal owing under the Note pursuant to
Section 4.3(a), the Holder shall deliver on or prior to the redemption
date, a written notice to the Company or its Successor so stating, specifying
the amount of Unpaid Principal to be redeemed pursuant to Section 4.3(a).
The Company or its Successor shall, in accordance with the terms hereof, redeem
the amount of Unpaid Principal so specified on the date fixed for redemption.
Failure of the Company to give any notice required by this Section 4.3(b),
or the formal insufficiency of any such notice, shall not prejudice the rights
of the Holder to cause the Company or its Successor to redeem all Unpaid
Principal owing under the Note. Notwithstanding the foregoing, the Board of
Directors of the Company may modify any offer pursuant to this 4.3(b) to the
extent necessary to comply with any applicable provisions of the Exchange Act,
and the rules and regulations thereunder, including Section 14(e) and Rule 14e-1
thereof, but no such provisions or modifications shall in any way negate the
obligation of the Company or its Successor to redeem Unpaid Principal under this
Section 4.3.

	Premium Rate. If the Company shall fail to comply
with any of the provisions of this Section 4 (other than the timely giving
of a notice pursuant to Section 4.3(b)), then in any such event, the applicable
interest rate shall be increased by an amount equal to the Premium Rate during
the period in which such failure shall be continuing.

	No Impairment. The Company will not, by amendment
of its Certificate of Incorporation or through any reorganization, transfer of
assets, consolidation, merger, dissolution, issue or sale of securities or any
other voluntary action, avoid or seek to avoid the observance or performance of
any of the terms to be observed or performed hereunder by the Company, but will
at all times in good faith assist in the carrying out of all the provisions of
this Section 6 and in the taking of all such action as may be necessary or
appropriate in order to protect the conversion rights of the Holder against
impairment.

	Assignment. The rights and obligations of the
Company and the Holder of this Note shall be binding upon and benefit the
successors, assigns, heirs, administrators and transferees of the
parties.

	Waiver and Amendment. Any provision of this Note
may be amended, waived or modified upon the written consent of the Company and
the Holder.

	Notices. Any notice, request or other
communication required or permitted hereunder shall be in writing and shall be
deemed to have been duly given if personally delivered or if telegraphed or
mailed by registered or certified mail, postage prepaid, at the respective
addresses of the parties as set forth in the Loan Agreement. Any party hereto
may by notice so given change its address for future notice hereunder. Notice
shall conclusively be deemed to have been given when personally delivered or
when deposited in the mail or telegraphed in the manner set forth above and
shall be deemed to have been received when delivered.

	Security. This Note is secured pursuant to the
terms of the Security Agreement.

	Governing Law. This Note shall be governed by and
construed under the laws of the State of California as applied to agreements
among California residents, made and to be performed entirely within the State
of California.

	Heading; References. All headings used herein are
used for convenience only and shall not be used to construe or interpret this
Note. Except where otherwise indicated, all references herein to Sections refer
to Sections hereof.

	Entire Agreement. This Note, and any agreements
incorporated or referred to herein, contains the entire understanding between
the Company and Holder with respect to the subject matter hereof and supersedes
any and all prior or contemporaneous written or oral negotiations or agreements
between them regarding the subject matter hereof.

	Severability; Usury. The provisions of this Note
shall be deemed severable and the invalidity or unenforceability of any
provision shall not affect the validity or enforceability of the other
provisions hereof. If any provision of this Note, or the application thereof to
any Person or any circumstance, is invalid or unenforceable, including as a
result of any laws relating to usury, (a) a suitable and equitable
provision shall be substituted therefor in order to carry out, so far as may be
valid and enforceable, the intent and purpose of such invalid or unenforceable
provision and (b) the remainder of this Note and the application of such
provision to other Persons or circumstances shall not be affected by such
invalidity or unenforceability of such provision, or the application thereof, in
any other jurisdiction. In no event may any interest rate provided for hereunder
exceed the maximum rate permitted by any applicable law (the "Maximum Rate").
If, in any month, any interest rate, absent such limitation, would exceed the
Maximum Rate, then the interest rate for that month shall be the Maximum Rate,
and, if in future months, that interest rate would otherwise be less than the
Maximum Rate, then that interest rate shall remain at the Maximum Rate until
such time as the amount of interest paid hereunder equals the amount of interest
which would have been paid if the same had not been limited by the Maximum
Rate.

	No Dividends, Repurchase, etc. So long as the Note
is outstanding, without the Holder's prior written consent no dividends (other
than those paid in the Company's equity securities) shall be paid or declared
and set apart for payment and no other distribution shall be made upon the
Company's equity securities, nor shall any of the Company's equity securities be
redeemed, purchased or otherwise acquired for any consideration (or any monies
paid to or made available for a sinking fund for redemption of any shares of any
such equity securities) by the Company (except by conversion into or exchange
for the Company's equity securities).

	Miscellaneous. The Company hereby consents to
renewals and extensions of time at or after the Maturity Date. The Company for
itself and its legal successors and assigns, hereby waives diligence,
presentment, protest, dishonor, notice of dishonor, demand and notice of every
kind in connection with this Note. No extension of time for payment of any
amount owing hereunder shall affect the liability of the Company or any person
or entity, now or at any time hereafter, liable for payment of the indebtedness
evidenced hereby. No delay by the Company, including any delay because of a
default under any Indebtedness of the Company, or the Holder hereof in
exercising any power or right hereunder shall operate as a waiver of any power
or right hereunder. No waiver or modification of the terms of this Note shall be
valid unless in writing and signed by the Holder.

E-LOAN, INC., a Delaware corporation

By ______________________________

Joseph J. Kennedy

President

By ______________________________

Matthew Roberts

SecretaryQ2 2001 Exhibit 10.14

Exhibit 10.14

REGISTRATION RIGHTS AGREEMENT

This Registration Rights Agreement (this "Agreement") is
made and entered into as of July 12, 2001 by and between The Charles Schwab
Corporation, a Delaware corporation ("Schwab" or the "Purchaser"), and E-Loan,
Inc., a Delaware corporation (the "Company").

R E C I T A L S :

WHEREAS, concurrent with the execution of this Agreement the
Purchaser is acquiring from the Company the Company's 8% Convertible Note (the
"Note") pursuant to the Note Purchase Agreement (as defined below); and

WHEREAS, the Note is convertible at the option of the holders
into shares of the Company's common stock, $0.001 par value (the "Common
Stock"); and

WHEREAS, the Company is granting a warrant (the "New Schwab
Warrant"), dated July 12, 2001, to Schwab to acquire One Million Three
Hundred Eighty-Nine Thousand (1,389,000) shares of the Common Stock (the
"Warrant Shares") with an exercise price of $5.00 per share and a term until
July 25, 2003 in exchange for a warrant, dated April 25, 2000, to
acquire 6,600,000 shares of Common Stock for $15.00 per share;

NOW, THEREFORE, in consideration of the mutual promises,
representations, warranties and conditions set forth in this Agreement, the
parties hereto, intending to be legally bound, hereby agree as follows:

A G R E E M E
N T :

	Definitions.  For purposes of this Agreement, in
addition to the definitions set forth above and elsewhere herein, the following
terms shall have the following respective meanings:

"Acquisition Shares" shall mean the shares of Common
Stock which the Purchaser will have a right to acquire upon the conversion of
the Note.

"Closing" shall mean the closing of the purchase of
the Note by the Purchaser pursuant to the Note Purchase Agreement.

"Commission" shall mean the United States Securities
and Exchange Commission and any successor agency.

"Exchange Act" shall mean the Securities Exchange Act
of 1934, as amended, or any similar federal statute, and the rules and
regulations of the Commission thereunder, all as the same shall be in effect at
the time.

"Holder" shall mean the Purchaser and all transferees
or assignees thereof to whom the rights under this Agreement are assigned in
accordance with the provisions of Section 8 hereof.

"person" shall mean an individual, corporation,
partnership, limited partnership, syndicate, person (including, without
limitation, a "person" as defined in Section 13(d)(3) of the Exchange Act),
trust, association or entity or government, political subdivision, agency or
instrumentality of a government.

"Register," "registered" and
"registration" shall refer to a registration effected by preparing and
filing a registration statement or similar document in compliance with the
Securities Act and the declaration or ordering of effectiveness of such
registration statement or document.

"Registrable Stock" shall mean (a) the
Acquisition Shares, (b) the Warrant Shares, (c) any shares of Common
Stock or other capital stock issued as a dividend, or other distribution with
respect to, or in exchange for, or in replacement of, any of the Acquisition
Shares and/or the Warrant Shares, and (d) any shares of capital stock
issued by way of a stock split of the Acquisition Shares and/or the Warrant
Shares referred to in clauses (a) or (b) above.  For purposes of this
Agreement, any Registrable Stock shall cease to be Registrable Stock when
(i) a registration statement covering such Registrable Stock has been
declared effective and such Registrable Stock has been disposed of pursuant to
such effective registration statement, (ii) such Registrable Stock is sold
by a person in a transaction in which the rights under the provisions of this
Agreement are not assigned, or (iii) all such Registrable Stock may be sold
by any and all Holders pursuant to Rule 144(k) (or any similar provision then in
force, but not Rule 144A) under the Securities Act without registration
under the Securities Act.

"Securities Act" shall mean the Securities Act of
1933, as amended, or any similar federal statute, and the rules and regulations
of the Commission thereunder, all as the same shall be in effect at the
time.

"Note Purchase Agreement" shall mean the Note Purchase
Agreement between the Company and the Purchaser, dated July 12, 2001.

	Restrictive Legend.  Each certificate representing
Acquisition Shares and Warrant Shares shall, except as otherwise provided in
this Section 2, be stamped or otherwise imprinted with a legend
substantially in the form set forth in the Note Purchase Agreement or the
Warrant, as applicable.  A certificate shall not bear such legend if in the
opinion of counsel satisfactory to the Company (it being agreed that Howard,
Rice, Nemerovski, Canady, Falk and Rabkin, A Professional Corporation, shall be
satisfactory) or the Company shall determine that the securities being sold
thereby may be publicly sold without registration under the Securities Act or
the transfer of such securities is permitted under the provisions of
Rule 144(k) or Rule 144A (or any rule permitting public sale without
registration under the Securities Act).

	Registration.  On or before the 60-day anniversary
of the Closing, the Company shall use its reasonable best efforts to prepare and
file with the Commission a registration statement on Form S-3 or any
successor thereto, signed, pursuant to Section 6(a) of the Securities Act,
by the officers and directors of the Company, with respect to the Registrable
Stock.  The Company shall use its reasonable best efforts to register under the
Securities Act, for public sale, the shares of Registrable Stock.  If the
Company shall fail to register the shares of Registrable Stock, the Company
shall deliver the unregistered shares of Registrable Stock to the Purchaser and
such shares may be sold pursuant to and subject to the requirements of Rule 144
under the Securities Act.  The Company's delivery of the unregistered shares
shall be the Purchaser's sole remedy for any failure by the Company to register
shares pursuant to this Section 3.  In connection with this Section 3, the
Company shall:

	cause such registration statement to become effective on
or before the three-month anniversary of the Closing and to remain effective
through and including the earlier of (i) the time when all of the
Registrable Stock has been sold pursuant to such registration statement or
(ii) the time when all of the Holders of the Registrable Stock can sell all
of the Registrable Stock pursuant to Rule 144(k) (or any similar provision
then in force, but not Rule 144A) under the Securities Act without
registration under the Securities Act.

	prepare and file with the Commission such amendments and
supplements to such registration statement, signed, pursuant to
Section 6(a) of the Securities Act, by the officers and directors of the
Company, and the prospectus used in connection therewith as may be necessary to
comply with the provisions of the Securities Act with respect to the disposition
of all Registrable Stock covered by such registration statement;

	furnish to the Holders such numbers of copies of the
registration statement and the prospectus included therein (including each
preliminary prospectus and any amendments or supplements thereto) in conformity
with the requirements of the Securities Act and such other documents and
information as they may reasonably request;

	use its reasonable best efforts to register or qualify
the Registrable Stock covered by such registration statement under such other
securities or blue sky laws of such jurisdictions within the United States and
Puerto Rico as required by law for the distribution of the Registrable Stock
covered by the registration statement; provided, however, that the Company shall
not be required in connection therewith or as a condition thereto to qualify to
do business in or to file a general consent to service of process in any
jurisdiction wherein it would not but for the requirements of this paragraph
(d) be obligated to do so; and provided, further, that the Company shall
not be required to qualify such Registrable Stock in any jurisdiction in which
the securities regulatory authority requires that any Holder submit any shares
of its Registrable Stock to the terms, provisions and restrictions of any
escrow, lockup or similar agreement(s) for consent to sell Registrable Stock in
such jurisdiction unless such Holder agrees to do so;

	promptly notify each Holder for whom such Registrable
Stock is covered by such registration statement, at any time when a prospectus
relating thereto is required to be delivered under the Securities Act, of the
happening of any event as a result of which the prospectus included in such
registration statement, as then in effect, includes an untrue statement of a
material fact or omits to state any material fact required to be stated therein
or necessary to make the statements therein not misleading in light of the
circumstances under which they were made, and at the request of any such Holder
promptly prepare and furnish to such Holder a reasonable number of copies of a
supplement to or an amendment of such prospectus as may be necessary so that, as
thereafter delivered to Holders of such securities, such prospectus shall not
include any untrue statement of a material fact or omit to state a material fact
required to be stated therein or necessary to make the statements therein not
misleading in light of the circumstances under which they were made;

	enter into customary agreements and take such other
actions as are reasonably required in order to expedite or facilitate the
disposition of the Registrable Stock to be so included in the registration
statement;

	otherwise use its reasonable best efforts to comply with
all applicable rules and regulations of the Commission;

	use its reasonable best efforts to list the Registrable
Stock covered by such registration statement with any securities exchange on
which Holder Common Stock is then listed; and

	after the effectiveness of the registration statement,
cooperate with the Holders to facilitate the timely preparation and delivery of
certificates representing the Registrable Stock to be sold, which certificates
shall not bear any restrictive legends other than restrictive legends still
required to be imposed by the Warrant or the Note Purchase
Agreement.

	Suspension of Trading.  Notwithstanding any other
provision of this Agreement, the Company shall have the right at any time to
require that all Holders suspend further open market offers and sales of
Registrable Stock whenever, and for so long as, in the reasonable judgment of
the Company in good faith based upon the advice of counsel satisfactory to the
Holders of a majority of the Registrable Stock, there is in existence material
undisclosed information or events with respect to the Company (the
"Suspension Right") such that the registration statement would contain
any untrue statement of a material fact or omit to state any material fact
required to be stated therein or necessary to make the statements therein not
misleading in light of the circumstances under which they were made.  In the
event the Company exercises the Suspension Right, such suspension will continue
for such period of time reasonably necessary for disclosure to occur at a time
that is not materially detrimental to the Company or until such time as the
registration statement does not include any untrue statement of a material fact
or omit to state any material fact required to be stated therein or necessary to
make the statements therein not misleading in light of the circumstances under
which they were made, each as determined in good faith by the Company.  The
Company will promptly give the Holders notice, in a writing signed by an
executive officer of the Company, of any exercise of the Suspension Right.  The
Company agrees to notify the Holders promptly upon termination of the Suspension
Right.  Notwithstanding the foregoing, under no circumstances shall Holder be
entitled to exercise the Suspension Right for more than sixty calendar days in
any twelve-month period.

	Furnish Information.  It shall be a condition
precedent to the obligations of the Company to take any action pursuant to this
Agreement that the Holders shall furnish to the Company such information
regarding themselves, the Registrable Stock held by them, and the intended
method of disposition of such securities as the Company shall reasonably request
and as shall be required in connection with the action to be taken by the
Company.

	Expenses of Registration.  All expenses incurred
in connection with the registration pursuant to this Agreement, including
without limitation all registration, filing and qualification fees, word
processing, duplicating, printers' and accounting fees (including the expenses
of any special audits or "cold comfort" letters required by or incident to such
performance and compliance), fees of the National Association of Securities
Dealers, Inc. or listing fees, messenger and delivery expenses, all fees and
expenses of complying with state securities or blue sky laws, reasonable fees
and disbursements of counsel for the Company, and the reasonable fees and
disbursements of one counsel for the Holders (which counsel shall be selected by
the Holders holding a majority of the Acquisition Shares and shall be
satisfactory to the Company (it being agreed that Howard, Rice, Nemerovski,
Canady, Falk & Rabkin shall be satisfactory)), shall be paid by the Company.
The parties agree that all underwriting discounts and commissions shall be the
responsibility of the Holders.

	Indemnification.

	To the extent permitted by applicable law, the Company
shall indemnify and hold harmless each Holder, such Holder's directors and
officers, any underwriter (as defined in the Securities Act), and each person,
if any, who controls such Holder or underwriter within the meaning of the
Securities Act, against any losses, claims, damages or liabilities, joint or
several, to which they may become subject under the Securities Act or any other
applicable state or federal law, insofar as such losses, claims, damages or
liabilities (or proceedings in respect thereof) arise out of or are based on any
untrue or alleged untrue statement of any material fact contained in such
registration statement on the effective date thereof (including any prospectus
filed under Rule 424 under the Securities Act or any amendments or
supplements thereto) or arise out of or are based upon the omission or alleged
omission to state therein a material fact required to be stated therein or
necessary to make the statements therein not misleading, and shall reimburse
each such Holder, such Holder's directors and officers, such underwriter or
controlling person for any legal or other expenses reasonably incurred by them
(but not in excess of expenses incurred in respect of one counsel and one local
counsel for all of them unless, in the reasonable judgment of an indemnified
party there is potential conflict of interest between any indemnified parties,
which indemnified parties may be represented by separate counsel and local
counsel) in connection with investigating or defending any such loss, claim,
damage, liability or action; provided, however, that the indemnity agreement
contained in this Section 7(a) shall not apply to amounts paid in
settlement of any such loss, claim, damage, liability or action if such
settlement is effected without the consent of the Company (which consent shall
not be unreasonably withheld); provided, further, that the Company shall not be
liable to any Holder, such Holder's directors and officers, underwriter or
controlling person in any such case for any such loss, claim, damage, liability
or action to the extent that it arises out of or is based upon an untrue
statement or alleged untrue statement or omission or alleged omission made in
connection with such registration statement, preliminary prospectus, final
prospectus or amendments or supplements thereto, in reliance upon and in
conformity with written information furnished expressly for use in connection
with such registration by any such Holder, such Holder's directors and officers,
underwriter or controlling person.  Such indemnity shall remain in full force
and effect regardless of any investigation made by or on behalf of any such
Holder, such Holder's directors and officers, underwriter or controlling person,
and shall survive the transfer of such securities by such Holder.

	To the extent permitted by applicable law, each Holder
shall indemnify and hold harmless the Company, each of its directors and
officers, each person, if any, who controls the Company within the meaning of
the Securities Act, and any underwriter (within the meaning of the Securities
Act) for the Company against any losses, claims, damages or liabilities, joint
or several, to which the Company or any such director, officer, controlling
person or underwriter may become subject, under the Securities Act or any other
applicable state or federal law, insofar as such losses, claims, damages or
liabilities (or proceedings in respect thereof) arise out of or are based upon
any untrue statement or alleged untrue statement of any material fact contained
in such registration statement on the effective date thereof (including any
prospectus filed under Rule 424 under the Securities Act or any amendments
or supplements thereto) or arise out of or are based upon the omission or
alleged omission to state therein a material fact required to be stated therein
or necessary to make the statements therein not misleading, in each case to the
extent, but only to the extent, that such untrue statement or alleged untrue
statement or omission or alleged omission was made in such registration
statement in reliance upon and in conformity with written information furnished
expressly by or on behalf of such Holder for use in connection with such
registration; and each such Holder shall reimburse any legal or other expenses
reasonably incurred by the Company or any such director, officer, controlling
person, agent or underwriter (but not in excess of expenses incurred in respect
of one counsel and one local counsel for all of them unless, in the reasonable
judgment to of an indemnified party, there is a conflict of interest between any
indemnified parties, which indemnified parties may be represented by separate
counsel and local counsel) in connection with investigating or defending any
such loss, claim, damage, liability or action; provided, however, that the
indemnity agreement contained in this Section 7(b) shall not apply to
amounts paid in settlement of any such loss, claim, damage, liability or action
if such settlement is effected without the consent of such Holder (which consent
shall not be unreasonably withheld), and provided, further, that the liability
of each Holder hereunder shall be limited to the proportion of any such loss,
claim, damage, liability or expense which is equal to the proportion that the
net proceeds from the sale of the shares sold by such Holder under any such
registration statement bears to the total net proceeds from the sale of all
securities sold thereunder, but not in any event to exceed the net proceeds
received by such Holder from the sale of Registrable Stock covered by such
registration statement.

	Promptly after receipt by an indemnified party under this
Section of notice of the commencement of any action, such indemnified party
shall, if a claim in respect thereof is to be made against any indemnifying
party under this Section, notify the indemnifying party in writing of the
commencement thereof and the indemnifying party shall have the right to
participate in and assume the defense thereof with counsel selected by the
indemnifying party and reasonably satisfactory to the indemnified party;
provided, however, that the exercise of the foregoing right shall be conditioned
upon the written acknowledgment of the indemnifying party to the indemnified
party of the indemnifying party's obligation hereunder to indemnify the
indemnified party for any losses arising from such action; and provided further,
that in such event, the indemnified party shall have the right to retain its own
counsel and local counsel, with all fees and expenses thereof to be paid by such
indemnified party, and to be apprised of all progress in any proceeding the
defense of which has been assumed by the indemnifying party.  The failure to
notify an indemnifying party promptly of the commencement of any such action,
shall only release the indemnifying party from any of its obligations under this
Section 7(c) if, and only to the extent that, such indemnifying party is
materially prejudiced by such failure, but the omission to so notify the
indemnifying party will not relieve it of any liability that it may have to any
indemnified party otherwise than under this Section.

	To the extent any indemnification by an indemnifying
party is prohibited or limited by law, the indemnifying party, in lieu of
indemnifying such indemnified party, shall contribute to the amount paid or
payable by such indemnified party as a result of such losses, claims, damages or
liabilities in such proportion as is appropriate to reflect the relative fault
of the indemnifying party and indemnified party in connection with the actions
which resulted in such losses, claims, damages or liabilities, as well as any
other relevant equitable considerations.  The relative fault of such
indemnifying party and indemnified party shall be determined by reference to,
among other things, whether any action in question, including any untrue or
alleged untrue statement of material fact or omission or alleged omission to
state a material fact, has been made by, or relates to information supplied by,
such indemnifying party or indemnified party, and the parties' relative intent,
knowledge, access to information and opportunity to correct or prevent such
action.  The amount paid or payable by a party as a result of the losses,
claims, damages or liabilities referred to above shall be deemed to include any
legal or other fees or expenses reasonably incurred by such party in connection
with any investigation or proceeding.

The parties hereto agree that it would not be just and
equitable if contribution pursuant to this Section 7(d) were determined by
pro rata allocation or by any other method of allocation which does not take
account of the equitable considerations referred to in the immediately preceding
paragraph.  No person guilty of fraudulent misrepresentation (within the meaning
of Section 11(f) of the Securities Act) shall be entitled to contribution
from any person who was not guilty of such fraudulent misrepresentation.

	Transfer of Registration Rights.  Subject to any
transfer restrictions set forth in the Note Purchase Agreement, the rights of
any Holder under this Agreement with respect to any Registrable Stock may be
transferred to any transferee of such Registrable Stock; provided, however, that
(i) the transferring Holder shall give the Company written notice at or
prior to the time of such transfer stating the name and address of the
transferee and identifying the securities with respect to which the rights under
this Agreement are being transferred; (ii) such transferee shall agree in
writing, in form and substance reasonably satisfactory to the Company, to be
bound as a Holder by the provisions of this Agreement; and
(iii) immediately following such transfer the further disposition of such
securities by such transferee is restricted under the Securities Act.  Except as
set forth in this Section 8, no transfer of Registrable Stock shall cause
such Registrable Stock to lose such status.

	Successors and Assigns.  Except as otherwise
expressly provided herein, the terms and conditions of this Agreement shall
inure to the benefit of and be binding upon the respective successors and
assigns of the parties hereto.  Except as expressly provided in this Agreement,
nothing in this Agreement, express or implied, is intended to confer upon any
person other than the parties hereto or their respective successors and assigns
any rights, remedies, obligations, or liabilities under or by reason of this
Agreement.

	Counterparts; Titles.  This Agreement may be
executed and delivered (including by facsimile transmission) in one or more
counterparts, and by the different parties hereto in separate counterparts, each
of which shall be deemed to be an original, but all of which taken together
shall constitute one and the same agreement.  The titles of the Sections of this
Agreement are used for convenience only and are not to be considered in
construing or interpreting this Agreement.

	Notices.  Any notice required or permitted under
this Agreement shall be in writing and shall be delivered in person or mailed by
certified or registered mail, return receipt requested, overnight courier or
facsimile, directed to (a) the Holders at The Charles Schwab Corporation,
101 Montgomery Street, San Francisco, CA 94104, attention:  Christopher V.
Dodds, facsimile (415) 636-5877, with a copy to Howard, Rice, Nemerovski,
Canady, Falk & Rabkin, A Professional Corporation, at Three Embarcadero
Center, Seventh Floor, San Francisco, CA 94111, attention:  Lawrence B. Rabkin,
facsimile (415) 217-5910; or (b) to the Company at E-Loan, Inc., 5875
Arnold Road, Suite 100 Dublin, CA 94568, attention:  Joseph Kennedy, facsimile
(925) 556-2178, with a copy to, E-Loan, Inc., 5875 Arnold Road, Suite 100,
Dublin, CA, attention:  Edward A. Giedgowd, facsimile:  (925) 803-3503, or, in
any such case, at such other address or addresses as shall have been furnished
in writing by such party to the others.  The giving of any notice required
hereunder may be waived in writing by the parties hereto.  Every notice or other
communication hereunder shall be deemed to have been duly given or served on the
date on which personally delivered, or on the date actually received.

	Amendments and Waivers.  Any provision of this
Agreement may be amended and the observance of any provision of this Agreement
may be waived (either generally or in a particular instance and either
retroactively or prospectively), only with the written consent of the Company
and the Holders of at least 50% of the Acquisition Shares then outstanding.  Any
amendment or waiver effected in accordance with this Section 12 shall be
binding upon each Holder of any securities subject to this Agreement at the time
outstanding (including securities into which such securities are convertible),
each future Holder and all such securities, and the Company.  No failure or
delay by any party in exercising any right, power or privilege hereunder shall
operate as a waiver thereof nor shall any single or partial exercise thereof
preclude any other or further exercise thereof or the exercise of any other
right, power or privilege.

	Severability; Entire Agreement.  If one or more
provisions of this Agreement are held to be unenforceable under applicable law,
such provisions shall be excluded from this Agreement and the balance of this
Agreement shall be interpreted as if such provisions were so excluded and shall
be enforceable in accordance with its terms.  All prior agreements of the
parties concerning the subject matter of this Agreement are expressly superseded
by this Agreement.  This Agreement contains the entire Agreement of the parties
concerning the subject matter hereof.  Any oral representations or modifications
of this Agreement shall be of no effect.

	Governing Law.  This Agreement shall be governed
by and construed in accordance with the laws of the State of California without
regard to conflicts of law principles.

	Forum; Waiver of Jury Trial.

	All actions and proceedings arising out of or relating to
this Agreement shall be heard and determined in any California state or federal
court sitting in the City and County of San Francisco.  The parties hereto
hereby (i) submit to the exclusive jurisdiction of any California state or
federal court sitting in the City and County of San Francisco for the purpose of
any action or proceeding arising out of or relating to this Agreement brought by
any party hereto, and (ii) waive, and agree not to assert by way of motion,
defense, or otherwise, in any such Action, any claim that it is not subject
personally to the jurisdiction of the above-named courts, that its property is
exempt or immune from attachment or execution, that the action or proceeding is
brought in an inconvenient forum, that the venue of the action or proceeding is
improper, or that this Agreement may not be enforced in or by any of the above-
named courts.

	EACH OF THE PARTIES HERETO HEREBY WAIVES TO THE FULLEST
EXTENT PERMITTED BY APPLICABLE LAW ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY WITH
RESPECT TO ANY ACTIONS OR PROCEEDINGS DIRECTLY OR INDIRECTLY ARISING OUT OF,
UNDER OR IN CONNECTION WITH THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED
HEREBY.

IN WITNESS WHEREOF, the parties hereto have executed this
Agreement as of the date first above written.
E-LOAN, Inc., a Delaware corporation
By:/s/ Joseph J. Kennedy

Name:  Joseph J. Kennedy

Title:  President and COO

The Charles Schwab Corporation,

a Delaware corporation
By:/c/ Christopher V. Dodds

Name:  Christopher V. Dodds

Title:  EVP, CFO

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