Document:

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                                                                    EXHIBIT 10.4
                                   EXHIBIT A

                              SMARTAGE.COM CORP.

                           INDEMNIFICATION AGREEMENT

     THIS INDEMNIFICATION AGREEMENT (the "Agreement"), effective as of _______,
2000, by and between, SMARTAGE.COM CORP., a Delaware corporation (the
                      -----------------
"Company"), and _____________________ (the "Indemnitee").

     1.   Indemnification.  The Company shall indemnify Indemnitee to the
          ---------------
fullest extent permitted by section 145 of the Delaware General Corporation Law,
as amended (the "Delaware Law"), the Certificate of Incorporation (the
"Certificate") and the Bylaws of the Company (the "Bylaws") in effect on the
date hereof or as such Law, Certificate, and Bylaws may from time to time be
amended (but, in the case of any such amendment, only to the extent such
amendment permits the Company to provide broader indemnification rights than the
Law, Certificate or Bylaws permitted the Company to provide before such
amendment), if and whenever he is or was a party or is threatened to be made a
party to any Proceeding, against Expenses and Liabilities actually and
reasonably incurred by Indemnitee or on his behalf in connection with the
investigation, defense, settlement or appeal of such Proceeding. The right to
indemnification conferred herein shall be presumed to have been relied upon by
Indemnitee in serving or continuing to serve the Company as an officer or
director and shall be enforceable as a contract right. Without in any way
diminishing the scope of the indemnification provided by this Section 1, the
Company will indemnify Indemnitee if Indemnitee:

     (a)  was or is a party or is threatened to be made a party to any
Proceeding (other than an action by or in the right of the Company to procure a
judgment in its favor) by reason of the fact Indemnitee is or was an Agent,
against Expenses and Liabilities actually and reasonably incurred in connection
with such Proceeding if Indemnitee acted in good faith and in a manner
reasonably believed to be in the best interests of the Company and, in the case
of a criminal proceeding, had no reasonable cause to believe his conduct was
unlawful. The termination of any Proceeding by judgment, order, settlement,
conviction or upon a plea of nolo contendere or its equivalent shall not, of
itself, create a presumption that Indemnitee did not act in good faith and in a
manner which Indemnitee reasonably believed to be in the best interests of the
Company or that Indemnitee had reasonable cause to believe that Indemnitee's
conduct was unlawful, or

     (b)  was or is a party or is threatened to be made a party to any
threatened, pending or completed action by or in the right of the Company to
procure a judgment in its favor by reason of the fact that Indemnitee is or was
an agent of the Company, against Expenses and Liabilities actually and
reasonably incurred by Indemnitee in connection with the defense or settlement
of such action if Indemnitee acted in good faith, in a manner Indemnitee
believed to be in the best interests of the Company and its stockholders.

     (c)  to the extent that Indemnitee has been successful on the merits in
defense of any Proceeding referred to in clause (a) or (b) above or in defense
of any action, claim, issue or matter therein, Indemnitee shall be indemnified
against Expenses actually and reasonably incurred by Indemnitee in connection
therewith.

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     In addition to, and not as a limitation of, the foregoing, the rights of
indemnification of Indemnitee provided under this Agreement shall include those
rights set forth below.

     2.   Advancement of Expenses and Costs. All reasonable Expenses incurred by
          ---------------------------------
or on behalf of Indemnitee shall be advanced by the Company to Indemnitee within
thirty (30) calendar days after the receipt by the Company of a statement or
statements from Indemnitee requiring an advance or advances of Expenses from
time to time, whether prior to or after final disposition of such Proceeding.
The statement or statements shall reasonably evidence the Expenses incurred or
to be incurred by him in connection therewith. If required by law at the time of
such advance, Indemnitee hereby undertakes to repay the amounts advanced if it
shall ultimately be determined that Indemnitee is not entitled to be indemnified
pursuant to the terms of this Agreement.

     3.   Other Rights to Indemnification. Indemnitee's rights of
          -------------------------------
indemnification and advancement of expenses provided by this Agreement shall not
be deemed exclusive of any other rights to which Indemnitee may now or in the
future be entitled under applicable law, the Certificate, Bylaws, agreement,
vote of stockholders, resolution of directors, or otherwise.

     4.   Limitations on Indemnity.  Any provision herein to the contrary
          ------------------------
notwithstanding, the Company shall not be obligated pursuant to this Agreement:

     (a)  Insured Claims.  To make any payment to Indemnitee to the extent that
          --------------
Indemnitee is indemnified other than pursuant to this Agreement or to the extent
that Indemnitee is reimbursed pursuant to any director and officer insurance or
other insurance the Company may maintain for Indemnitee's benefit; provided,
however, that notwithstanding the availability of such insurance, Indemnitee may
claim indemnification pursuant to this Agreement by assigning to the Company, at
its request, any claims under such insurance to the extent Indemnitee is paid by
the Company.

     (b)  Claims Initiated by Indemnitee.  To indemnify or advance expenses to
          ------------------------------
Indemnitee with respect to proceedings or claims initiated or brought
voluntarily by Indemnitee and not by way of defense, except with respect to
proceedings brought to establish or enforce a right to indemnification under
this Agreement or any other statute or law or otherwise as required under
Delaware Law, but such indemnification or advancement of Expenses may be
provided by the Company in specific cases if the Board of Directors has approved
the initiation or bringing of such suit.

     (c)  Claims Under Section 16(b).  To indemnify Indemnitee for Expenses and
          --------------------------
the payment of profits arising from the purchase and sale by Indemnitee of
securities in violation of section 16(b) of the Securities Exchange Act of 1934,
as amended, or any similar successor statute.

     5.   Duration of Agreement.  This Agreement shall continue so long as
          ---------------------
Indemnitee shall be subject to any possible Proceeding by reason of the fact
that he is or was an Agent.  This Agreement shall be binding upon the Company
and its successors and assigns and shall inure to the benefit of Indemnitee and
his spouse, assigns, heirs, devisees, executors, administrators or other legal
representatives.

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     6.   Miscellaneous.
          -------------

     (a)  Procedure.  Any indemnification and advances provided for in Sections
          ---------
1 and 2 shall be made no later than thirty (30) calendar days, respectively,
after receipt of a written request therefor of Indemnitee. If a claim under this
Agreement, under any statute, or under any provision of the Company's
Certificate or Bylaws providing for indemnification, is not paid in full by the
Company within such period, Indemnitee may, but need not, at any time thereafter
bring an action against the Company to recover the unpaid amount of the claim
and, subject to Section 6(l) of this Agreement, Indemnitee shall also be
entitled to be paid for the Expenses (including attorney's fees) of bringing
such action. It shall be a defense to any such action (other than an action
brought to enforce a claim for Expenses incurred in connection with any action
or proceeding in advance of its final disposition) that Indemnitee has not met
the standards of conduct which make it permissible under applicable law for the
Company to indemnify Indemnitee for the amount claimed, and Indemnitee shall be
entitled to receive interim payments of expenses pursuant to Section 2 unless
and until such defense is finally adjudicated by court order or judgment from
which no further right of appeal exists. It is the parties' intention that if
the Company contests Indemnitee's right to indemnification, the Company shall be
entitled to select the forum in which Indemnitee's entitlement to
indemnification will be heard. The Company shall notify the Indemnitee in
writing as to the forum selected, which selection shall be from among the
following:

          (i)   The stockholders of the Company;

          (ii)  A quorum of the Board consisting of Disinterested
     Directors;

          (iii) Independent Counsel selected by Indemnitee, and
     reasonably approved by the Board, which counsel shall make the
     determination in a written opinion; or

          (iv)  A panel of three arbitrators, one of whom is selected
     by the Company, another of whom is selected by Indemnitee and
     the last of whom is selected by the first two arbitrators so
     selected; or if for any reason three arbitrators are not
     selected within thirty (30) days after the appointment of the
     first arbitrator, then selection of additional arbitrators to
     complete the three person panel shall be made by the American
     Arbitration Association under its commercial arbitration rules
     now in effect.

     Neither the failure of the Company (including its Board of Directors, any
committee or subgroup of the Board of Directors, independent legal counsel, or
its stockholder) to have made a determination that indemnification of Indemnitee
is proper in the circumstances because Indemnitee has met the applicable
standard of conduct required by applicable law, nor an actual determination by
the Company (including its Board of Directors, any committee or subgroup of the
Board of Directors, independent legal counsel, or its stockholders) that
Indemnitee has not met such applicable standard of conduct, shall create a
presumption that Indemnitee has or has not met the applicable standard of
conduct.

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     (b)  Mutual Acknowledgment.  Both the Company and Indemnitee acknowledge
          ---------------------
that in certain instances, federal or state law or applicable public policy may
prohibit the Company from indemnifying its directors and officers under this
Agreement or otherwise.  Indemnitee understands and acknowledges that the
Company has undertaken or may be required in the future to undertake with the
Securities and Exchange Commission to submit the question of indemnification to
a court in certain circumstances for a determination of the Company's right
under public policy to indemnify Indemnitee.

     (c)  Severability.  If any provision or provisions of this Agreement shall
          ------------
be held to be invalid, illegal or unenforceable for any reason whatsoever:  (i)
the validity, legality and enforceability of the remaining provisions of this
Agreement (including without limitation, all portions of any paragraphs of this
Agreement containing any provision held to be invalid, illegal or unenforceable,
that are not themselves invalid, illegal or unenforceable) shall not in any way
be affected or impaired thereby; and (ii) to the fullest extent possible, the
provisions of this Agreement (including, without limitation, all portions of any
paragraph of this Agreement containing any provision held to be invalid, illegal
or unenforceable, that are not themselves invalid, illegal or unenforceable)
shall be construed so as to give effect to the intent manifested by the
provision held invalid, illegal or unenforceable.

     (d)  Identical Counterparts.  This Agreement may be executed in one or more
          ----------------------
counterparts, each of which shall for all purposes be deemed to be an original
but all of which together shall constitute one and the same Agreement.  Only one
such counterpart signed by the party against whom enforceability is sought needs
to be produced to evidence the existence of this Agreement.

     (e)  Interpretation of Agreement.  It is understood that the parties hereto
          ---------------------------
intend this Agreement to be interpreted and enforced so as to provide
indemnification to Indemnitee to the fullest extent now or hereafter permitted
by law.

     (f)  Headings.  The headings of the paragraphs of this Agreement are
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inserted for convenience only and shall not be deemed to constitute part of this
Agreement or to affect the construction thereof.

     (g)  Definitions.  For purposes of this Agreement:
          -----------

          (i)  "Agent" shall mean any person who is or was a director,
                -----
     officer, employee, agent, fiduciary or other official of the
     Company or a subsidiary of the Company; or is or was serving at
     the request of, for the convenience of, or to represent the
     interests of the Company or a subsidiary of the Company as a
     director, officer, foreign or domestic corporation, partnership,
     joint venture, trust, employee benefit plan or other enterprise;
     or was a director, officer, employee, agent, fiduciary or other
     official of a foreign or domestic corporation which was a
     predecessor corporation of the Company or a subsidiary of the
     Company, or was a director, officer, employee, agent, fiduciary
     or other official of another enterprise at the request of, for
     the convenience of, or to represent the interests of such
     predecessor corporation.

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          (ii)  "Expenses" shall include all direct and indirect costs
                 --------
     (including, without limitation, attorneys' fees, retainers, court
     costs, transcripts, fees of experts, witness fees, travel
     expenses, duplicating costs, printing and binding costs,
     telephone charges, postage, delivery service fees, all other
     disbursements or out-of-pocket expenses and reasonable
     compensation for time spent by Indemnitee for which he is
     otherwise not compensated by the Company or any third party)
     actually and reasonably incurred in connection with either the
     investigation, defense, settlement or appeal of a Proceeding or
     establishing or enforcing a right to indemnification under this
     Agreement, applicable law or otherwise; provided, however, that
     expenses shall not include any judgments, fines, ERISA excise
     taxes or penalties or amounts paid in settlement of a Proceeding.

          (iii) "Liabilities" shall mean liabilities of any type
                 -----------
     whatsoever, including, but not limited to, judgments, fines,
     ERISA excise taxes and penalties and amounts paid in settlement
     of a Proceeding.

          (iv)  "Proceeding" shall mean any action, suit arbitration,
                 ----------
     alternate dispute resolution mechanism, investigation,
     administrative hearing or any other proceeding whether civil,
     criminal, administrative or investigative to which Indemnitee is
     or was a party or is threatened to be a party by reason of the
     fact that he is or was an Agent or by reason of anything done or
     not done by Indemnitee in such capacity.

          (v)   "Delaware Law" shall mean Title 8 of the Delaware Code
                 ------------
     as amended and in effect from time to time or any successor or
     other statutes of Delaware having similar import and effect.

     (h)  Pronouns.  Use of the masculine pronoun shall be deemed to include
          --------
usage of the feminine pronoun where appropriate.

     (i)  Modification and Waiver.  No supplement, modification or amendment of
          -----------------------
this Agreement shall be binding unless executed in writing by both of the
parties to this Agreement.  No waiver of any of the provisions of this Agreement
shall be deemed or shall constitute a waiver of any other provisions hereof
(whether or not similar) nor shall such waiver constitute a continuing waiver.

     (j)  Notice by Indemnitee and Defense of Claims.  Indemnitee agrees
          ------------------------------------------
promptly to notify the Company in writing upon being served with any summons,
citation, subpoena, complaint, indictment, information or other document
relating to any matter which may be subject to indemnification covered
hereunder, either civil, criminal or investigative; but the omission so to
notify the Company will not relieve it from any liability which it may have to
Indemnitee if such omission does not prejudice the Company's rights and if such
omission does prejudice the Company's rights, it will relieve the Company from
liability only to the extent of such prejudice; nor will such omission, in any
event, relieve the Company from any liability which it may have to Indemnitee
otherwise than under this Agreement. With respect to any Proceeding as to which
Indemnitee notifies the Company of the commencement thereof:

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          (i)   The Company will be entitled to participate therein at
     its own expense; and

          (ii)  Except as otherwise provided below, to the extent that
     it may wish, the Company jointly with any other indemnifying
     party similarly notified will be entitled to assume the defense
     thereof, with counsel reasonably satisfactory to Indemnitee.
     After notice from the Company to Indemnitee of its election so to
     assume the defense thereof, the Company will not be liable to
     Indemnitee under this Agreement for any legal or other expenses
     subsequently incurred by Indemnitee in connection with the
     defense thereof except as otherwise provided below. Indemnitee
     shall have the right to employ his counsel in such action, suit
     or proceeding but the fees and expenses of such counsel incurred
     after notice from the Company of its assumption of the defense
     thereof shall be at the expense of Indemnitee unless (A) the
     employment of counsel by Indemnitee has been authorized by the
     Company, or (B) the Company shall not in fact have employed
     counsel to assume the defense of such action, in each of which
     cases the fees and expenses of counsel shall be at the expense of
     the Company, or (C) Indemnitee shall have reasonably concluded
     that there may be a conflict of interest between the Company and
     Indemnitee in the conduct of any such defense.

          (iii) The Company shall not be liable to indemnify
     Indemnitee under this Agreement for any amounts paid in
     settlement of any action or claim effected without its written
     consent. The Company shall not settle any action or claim in any
     manner which would impose any penalty or limitation on Indemnitee
     without Indemnitee's written consent. Neither the Company nor
     Indemnitee will unreasonably withhold their consent to any
     proposed settlement.

     (k)  Notices.  All notices, requests, demands and other communications
          -------
hereunder shall be in writing and shall be deemed to have been duly given if (i)
delivered by hand and receipted for by the party to whom said notice or other
communication shall have been directed or (ii) mailed by certified or registered
mail with postage prepaid, on the third business day after the date on which it
is so mailed:

     If to Indemnitee: _____________________
                       _____________________
                       _____________________

     If to Company:    SMARTAGE.COM CORP.
                       3450 California Street
                       San Francisco, CA 94118
                       Attention: President

or to such other address as may have been furnished to Indemnitee by the Company
or to the Company by Indemnitee, as the case may be.

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     (l)  Attorneys' Fees.  In the event that any action is instituted by
          ---------------
Indemnitee under this Agreement to enforce or interpret any of the terms hereof,
Indemnitee shall be entitled to be paid all court costs and expenses, including
reasonable attorneys' fees, incurred by Indemnitee with respect to such action,
unless as a part of such action, the court of competent jurisdiction determines
that each of the material assertions made by Indemnitee as a basis for such
action were not made in good faith or were frivolous.  In the event of an action
instituted by or in the name of the Company under this Agreement or to enforce
or interpret any of the terms of this Agreement, Indemnitee shall be entitled to
be paid all court costs and expenses, including attorneys' fees, incurred by
Indemnitee in defense of such action (including with respect to Indemnitee's
counterclaims and cross-claims made in such action), unless as a part of such
action the court determines that each of Indemnitee's material defenses to such
action were made in bad faith or were frivolous.

     (m)  Consent to Jurisdiction.  The Company and Indemnitee each hereby
          -----------------------
irrevocably consent to the jurisdiction of the courts of the State of Delaware
for all purposes in connection with any action or proceeding which arises out of
or relates to this Agreement and agree that any action instituted under this
Agreement shall be brought only in the state courts of the State of Delaware.

     (n)  Partial Indemnification.  If Indemnitee is entitled under any
          -----------------------
provision of this Agreement to indemnification by the Company for some or a
portion of the expenses, judgments, fines or penalties actually or reasonably
incurred by him in the investigation, defense, appeal or settlement of any
Proceeding, but not, however, for the total amount thereof, the Company shall
nevertheless indemnify Indemnitee for the portion of such expenses, judgments,
fines or penalties to which Indemnitee is entitled.

     (o)  Governing Law; Binding Effect.  The parties agree that this Agreement
          -----------------------------
shall be governed by, and construed and enforced in accordance with, the laws of
the State of Delaware, as applied to contracts between Delaware residents
entered into and to be performed entirely within Delaware.  This Agreement shall
be binding upon Indemnitee and upon the Company, its successors and assigns, and
shall inure to the benefit of Indemnitee, his heirs, personal representatives
and assigns and to the benefit of the Company, its successors and assigns.

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

                                   SMARTAGE.COM CORP., a Delaware corporation

                                   By __________________________________________

                                   Its _________________________________________

                                   _____________________________________________
                                                     Indemnitee

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                                                                  EXHIBIT 10.5

                                  AGREEMENT

     THIS AGREEMENT (the "Agreement") is made and entered into on March 9, 2000
by and between SMARTAGE.COM CORP. ("Corporation") and WILLIAM LOHSE ("Lohse").

     The Corporation and Lohse agree as follows:

1.  DEFINITIONS.

    1.1  "Agreement" means only the agreement contained in this document and as
modified in writing pursuant to Section 8.6 herein.

    1.2  "Corporation" means SmartAge Corp. and any successor to its business or
assets as provided by Section 8.3 herein or which becomes bound by this
Agreement by operation of law.

    1.3  "Board" means the Board of Directors of the Corporation.

    1.4  "Cause" means acts of Lohse which: (i) breach Lohse's fiduciary duty
as a Board member or Officer of the Corporation; (ii) violate the securities
law involving an intent to obtain personal or family profit; (iii) involve or
result in a criminal conviction resulting in incarceration; or (iv) consist of
committing an act of fraud against, or the knowing misappropriation of
property belonging to, Corporation either of which causes material harm to the
Corporation. A termination for any other reason shall be a termination
"Without Cause."

    1.5  "Change in Control" means a change in the ownership or control of the
Corporation effected through any of the following transactions:

         1.5.1  The acquisition, directly or indirectly by any person or
related group of persons (other than the Corporation or a person that directly
or indirectly controls, is controlled by, or is under common control with, the
Corporation), of beneficial ownership (within the meaning of Rule 13d-3 of the
1934 Act) of securities possessing more than fifty percent (50%) of the total
combined voting power of the Corporation's outstanding securities pursuant to
a tender or exchange offer made directly to the Corporation's stockholders, or

         1.5.2  A merger or consolidation in which securities possessing more
than fifty percent (50%) of the total combined voting power of the
Corporation's outstanding securities are transferred to a person or persons
different from the persons holding those securities immediately prior to such
transaction, or

         1.5.3  The sale, transfer or other disposition of all or
substantially all of the Corporation's assets in complete liquidation or
dissolution of the Corporation.

     Provided however that a Change in Control shall not occur as a result of
the sale in an Initial Public Offering or subsequent secondary offering of
Corporation's securities which result in more than fifty percent (50%) of the
common stock being held by others.

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    1.6  "Disability" means any physical or mental illness preventing Lohse from
performing services for the Corporation for one hundred twenty (120) consecutive
calendar days.  Disability shall be deemed to have occurred only after the
following procedure has been satisfied:  If within thirty (30) days after
written notice of proposed Termination of this Agreement for Disability is given
to Lohse by Corporation, Lohse has not been able to resume performance of his
duties, Corporation may terminate this Agreement by giving written notice of
Termination of this Agreement for Disability.  Such notice may be given by
Corporation following Lohse's inability to perform services by reason of
physical or mental disability for ninety (90) consecutive calendar days.

    1.7  "Effective Date" means March 9, 2000.

    1.8  "Person" means an individual, a corporation, a partnership, an
association, a joint stock company, a limited liability company, a limited
liability partnership, a trust, any unincorporated organization or a
government or political subdivision thereof.

    1.9  "Termination" or "Terminated" means the termination of this Agreement
and Lohse's services thereunder. A Termination affected by the Corporation or
Board or their successors may either be "For Cause," as defined in Section 1.4
herein, or "Without Cause" which would include any Termination by the
Corporation or Board or their successors that is not a Termination For Cause.
A Termination effected by Lohse may either be for "Good Reason" as defined in
Section 5.5.1 herein, or Without Good Reason which would include any
Termination affected by Lohse other than a Termination for Good Reason.

    1.10  "Monthly Payment" shall mean the amount set forth in Paragraph 4
below.

    1.11  "Base Period" means the period of time prior to the Termination that
is either (a) the twenty-four (24) month period preceding the month in which
the Termination takes effect, or (b) if Lohse provides services for fewer than
twenty-four (24) months, the period of time between the Effective Date and the
Termination.

2.  POSITION AND DUTIES.

    2.1  Lohse shall serve the Corporation as its President and Chief Executive
Officer reporting to the Board, of which Lohse is currently a member.  The
services to be performed by Lohse shall include, but not be limited to, any
services consistent with his position which may be assigned to Lohse from time
to time by the Board.

    2.2  Lohse may perform services under this Contract at diverse locations
including, but not limited to, Lohse's residence in Zephyr Cove, Nevada.  Lohse
may choose to work primarily out of the State of California.

    2.3  As President and Chief Executive Officer, Lohse will devote his best
efforts to perform services for the Corporation.  Although Lohse may perform
services for other organizations, subject to the limitations is Section 2.4
below, Lohse must not accept any other work that would jeopardize his ability to
perform services to the best of his ability under this Contract.

                                      -2-
<PAGE>

    2.4  Lohse will not engage in competitive activity with the Corporation
including, but not limited to, performing services for any competitor of the
Corporation.

3.  TERM.

    3.1  The term of this Agreement shall commence as of the Effective Date and
shall continue until the date this Agreement is Terminated For Cause, Without
Cause, for Good Reason, Without Good Reason, Disability or death of Lohse.
Either Corporation or Lohse may terminate this Agreement and Lohse's services
hereunder at any time for any reason, with or without cause, by providing thirty
(30) days written notice of termination to the other party.

4.  COMPENSATION.

    4.1  Monthly Payment.  Lohse shall be paid under this Agreement as follows:
         ---------------

         4.1.1  Lohse will be paid $12,500 per month. This payment will be
made by Corporation to Lohse on the first business day of the month for
services rendered in the preceding month. Effective upon the effective date of
the Corporation's initial public offering (the "IPO Effective Date"), the
amount of such payment will be increased to $16,666 per month.

         4.1.2  In addition to the fee set forth in Section 4.1.1, Lohse will
also be eligible for performance payments based upon achievement of certain
written goals. The goals and corresponding performance payouts will be
periodically set by Corporation in writing. These goals and the corresponding
performance payouts must be approved by a majority of the Board of Directors
[(without counting the vote of William Lohse)].

         4.1.3  Corporation will reimburse Lohse for reasonable business
expenses provided Lohse submits invoices within sixty (60) days of the date
such expenses are incurred. Extraordinary expenses, which include all expenses
exceeding twenty-five thousand dollars ($25,000) in amount, must be pre-
approved in writing by the Board.

         4.1.4  Lohse will submit monthly invoices for all business expenses.
Lohse will submit such invoice within fifteen (15) days of the end of each
month. Assuming the invoice is in order and otherwise proper, Corporation will
pay such invoice within fifteen (15) days of receipt.

    4.2  Benefits.  Lohse shall be eligible to participate in or receive
         --------
benefits under all of the Corporation's employee benefits plans upon the
Effective Date to the extent permitted under the terms of such plans.

5.  TERMINATION OF  SERVICES.

    5.1  The provisions of this Section 5 shall govern the payments, if any,
which Lohse shall receive upon the Termination of this Agreement and services
thereunder.

                                      -3-
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    5.2  Payment Upon Voluntary Termination.  In the event that Lohse Terminates
         ----------------------------------
this Agreement Without Reason, Lohse shall be entitled to no payments form the
Corporation except payment of his Base Salary through the date of Termination.
In such case, Lohse would not be entitled to any payment for achievement of any
goal unless that goal had been achieved prior to the effective date of the
Termination.  If Lohse terminates this Agreement and stops providing services
for Good Reason, as defined in Section 5.5.1 below, then he would be entitled to
the payments set forth in Section 5.5.1.

    5.3  Termination by Corporation.  In the event of a Termination of this
         --------------------------
Agreement and Lohse's services by the Corporation for the reasons set forth
below, Lohse shall be entitled to the following:

         5.3.1  Termination for Cause.  If Corporation terminates this
                ---------------------
Agreement for "Cause," then Lohse will be paid for his services through the
date of Termination and for any goal achieved prior to the date of
termination, but nothing else.

         5.3.2  Termination without Cause.  If this Agreement is Terminated by
                -------------------------
Corporation or the Board or their successors for any reason other than Cause as
set forth herein, or if Lohse Terminates this Agreement for Good Reason, as
defined in Section 5.5.1 below, the Corporation shall pay to Lohse the
following:  (a) twelve (12) months of Monthly Payments pursuant to Section 4.1.1
above (or the fee then in effect if subsequently agreed to in writing) and (b)
an additional payment equal to twelve (12) months of Lohse's average performance
payment during the Base Period, calculated by adding the total of all
performance payments received by Lohse during the Base Period divided by the
number of months in the Base Period, multiplied by twelve (12) months (the
"Severance Payment").

                5.3.2.1  The Corporation shall make the Severance Payment
either in a lump-sum payment, or in twelve (12) equal monthly payments, at the
option of Lohse. If Lohse chooses the lump-sum payment option in such case,
then the payment shall be made not later than the thirtieth (30) day following
the date of Termination without Cause or Termination for Good Reason.

                5.3.2.2  Although a payment triggering such section is not
intended hereby, amounts otherwise due under this Section will be reduced if,
and to the extent that, such reduction is required to avoid the imposition of
the excise tax under section 4999 of the Internal Revenue Code and the loss of
the deduction in accordance with section 280G of the Internal Revenue Code, if
applicable.

    5.4  If a Change in Control occurs during the term of this Agreement,
Lohse may thereafter be entitled to a payment set forth in Section 5.4.2 in
accordance with the terms hereof, subject to the following limitations:

         5.4.1  Termination for Good Reason.  The payments set forth in Section
                ---------------------------
5.3.2 hereof shall be made to Lohse if, after a Change in Control and within
one year thereafter, Lohse Terminates for Good Reason, upon the happening of
one or more of the following events, any of which will constitute Good Reason
for Termination:

                                      -4-
<PAGE>

                5.4.1.1  Without Lohse's expense written consent, Lohse is
either (a) assigned duties substantially inconsistent with Lohse's position,
duties, responsibilities and status with Corporation immediately prior to a
Change in Control, or (b) removed from the position be held prior to the
Change in Control;

                5.4.1.2  A reduction by Corporation of Lohse's Monthly Payment
or performance compensation formula applicable to Lohse as in effect
immediately prior to a Change in Control; or

                5.4.1.3  The failure of the Corporation to obtain the
assumption of this Agreement by a successor of Corporation as contemplated in
Section 8.3 below.

6.  USE OF CORPORATION APARTMENT.

    6.1  The Corporation shall retain an apartment in the San Francisco Bay Area
for use by its executives in transacting business on behalf of the Corporation
that is equal to or substantially equal to the current apartment being provided
to Lohse. Such apartment shall be allocated to the executives of the Corporation
based on the order in which requests are made for it (i.e. first come first
serve basis).

7.  ARBITRATION.

    7.1  Any controversy between the parties hereto, including the construction,
application or breach of any of the terms, covenants or conditions of this
Agreement, and all claims resulting to or arising from Lohse's services or the
termination of those services or this Agreement, including all statutory claims,
shall on a timely written request of one party served upon the other, be
submitted to arbitration to be governed by the California Arbitration Act as set
forth in the California Code of Civil Procedure (presently sections 1280 et
                                                                         --
seq.).
----

    7.2  Unless otherwise mutually agreed to by Lohse and Corporation in
writing, the parties will request the American Arbitration Association to
submit a list of nine names of persons who could serve as an arbitrator.
Corporation and Lohse shall alternatively remove names from the list
(beginning with the party which loses a flip of the coin) until one name
remains, and this person shall serve as the impartial arbitrator. The
arbitration shall take place in the City and County of San Francisco,
California.

    7.3  The Arbitrator will have authority to award costs and attorneys' fees
to the prevailing party unless the dispute in question concerns a claim of a
statutory violation in which case the Arbitrator may award attorneys' fees as
provided for in that statute.

8.  GENERAL PROVISION.

    8.1  Nonassignability.  Neither this Agreement nor any right or interest
         ----------------
hereunder shall be assignable by Lohse, provided, however, that nothing in this
Section shall preclude (i) Lohse from designing a beneficiary to receive any
benefits payable hereunder upon Lohse's death, or (ii) Lohse's executors,
administrators or other legal representatives or Lohse's estate from assigning
any rights hereunder to the person or persons entitled thereto.

                                      -5-
<PAGE>

    8.2  Status.  Mr. Lohse shall have the status of an employee of Corporation.
         ------

    8.3  Assumption.  The Corporation shall require any successor in interest
         ----------
(whether as a result of purchase, merger, consolidation, Change in Control or
otherwise) to all or substantially all of the business and/or assets of the
Corporation to expressly assume and agree to perform the obligations under this
Agreement.

    8.4  No Attachment.  Except as required or permitted by law, no right to
         -------------
receive payments under this Agreement shall be subject to anticipation,
communication, alienation, sale, assignment, encumbrance, charge, pledge or
hypothecation or to execution, attachment, levy or similar process of
assignment by operation of law, and any attempt, voluntary or involuntary, to
effect any such action shall be null, void and of no effect. The payments due
Lohse under Section 5 herein shall not be deemed earned until the conditions
set forth in Section 5 occur, if ever.

    8.5  Binding Agreement.  This Agreement shall be binding upon, and inure to
         -----------------
the benefit of, Lohse and the Corporation, and their respective heirs,
successors and assigns. Each party acknowledges that no representations,
inducements, promises or agreements have been made by any party, or anyone
acting on behalf of any party, which are not embodied herein and that no other
agreement, statement or promise not contained in this Agreement shall be valid
or binding on either party except as provided herein.

    8.6  Amendment or Augmentation of Agreement; Supercedes Prior Consulting
         -------------------------------------------------------------------
Agreement.  This Agreement may not be modified or amended except by an
---------
instrument in writing signed by the parties hereto.  Unless expressly agreed to
in writing by the parties hereto, no additional rights or compensation, even if
given or accepted, shall be deemed to modify or otherwise affect the express
terms and conditions of this Agreement.  This Agreement supercedes that certain
Consulting Agreement, effective as of January 20, 1998, entered into by and
between Lohse and the Corporation, as amended (the "Consulting Agreement"), and
effective upon the execution of this Agreement neither party to the Consulting
Agreement shall have any further obligation or liability thereunder.  Nothing
herein, however, shall affect the parties' rights under any other agreement
entered into by Lohse with the Corporation.

    8.7  Waiver.  No term or condition of this Agreement shall be deemed to have
         ------
been waived, nor shall there be any estoppel against the enforcement of any
provision of this Agreement except by written instrument of the party charged
with such waiver or estoppel.  No such written waiver shall be deemed a
continuing waiver unless specifically stated therein, and each waiver shall
operate only as to the specific term or condition waived and shall not
constitute a waiver of such term or condition for the future or as to any act
other than that specifically waived.

    8.8  Severability.  If, for any reason, any provision of this Agreement is
         ------------
held invalid, such invalidity shall not affect any other provision of this
Agreement not held so invalid, and each such other provision shall, to the
full extent consistent with law, continue in full force and effect. If any
provision of this Agreement shall be held invalid in part, such invalidity
shall in no

                                      -6-
<PAGE>

way affect the rest of such provisions not held so invalid, and the rest of
such provision together with all other provisions of this Agreement shall, to
the full extent consistent with law, continue in full force and effect. If
this Agreement is held totally invalid or cannot be enforced, then to the full
extent permitted by law any prior agreement, whether oral or written, express
or implied, between the Corporation and/or its affiliates (or any successor
thereof) and Lohse shall be deemed reinstated as if this Agreement had not
been executed.

    8.9  Notices.  All notices, requests, demands and other communications
         -------
hereunder shall be in writing and shall be deemed to have been duly given if
personally delivered or if mailed by United States certified or registered
mail, prepaid, to the parties or their permitted assignees at the following
addresses (or at such other address as shall be given in writing by either
party to the other):

               To:  SmartAge Corp.
                    3450 California Street
                    San Francisco, CA 94118
                    Attention: Chief Financial Officer

               To:  William Lohse
                    P.O. Box 69
                    Zephyr Cove, Nevada 89448

    8.10  Headings.  The headings of paragraphs herein are included solely for
          --------
convenience or reference and shall not control the meaning or interpretation of
any of the provisions of this Agreement.

    8.11  Governing Law.  This Agreement has been executed and delivered in the
          -------------
State of California, and its validity, interpretation, performance and
enforcement shall be governed by the laws of that State.

    8.12  Interpretation of Agreement.  The parties acknowledge that they are
          ---------------------------
entering into this Agreement freely and voluntarily, with full understanding of
the terms of this Agreement.  Interpretation of the terms of this Agreement
shall not be construed for or against either party on the basis of identity of
the party who drafted the provisions in question.

    8.13  Proprietary Information Agreement.  Lohse will execute the SmartAge
          ---------------------------------
Proprietary Information and Inventions Agreement for Employees (the "Employee
Proprietary Information Agreement") effective upon the Effective Date
("Promissory Information Agreement"), which is attached hereto and incorporated
herein by reference.  If either party Terminates this Agreement, it will not
affect the continuing validity of the Employee Proprietary Information Agreement
or of the SmartAge Proprietary Information and Inventions Agreement which was
previously executed by Lohse and the Corporation, and Lohse agrees to continue
to

                                      -7-
<PAGE>

abide by all obligations set forth in the Proprietary Information Agreement even
after the Termination of this Agreement.

CORPORATION:

SMARTAGE.COM CORP.

By: /s/ Allan Barr                  By:
    --------------------------          --------------------------

Its: Chief Financial Officer       Its:
                                        --------------------------

LOHSE:

  /s/ William Lohse
-------------------------------
WILLIAM LOHSE

                                      -8-

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