Document:

Exhibit 10.24

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 5

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of this
Senior Term A Note in accordance with the terms of the Credit Agreement that
the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN
REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE
SECURITIES LAWS OF ANY STATE. THIS NOTE HAS BEEN ACQUIRED FOR INVESTMENT
PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION, AND NO TRANSFER, SALE OR OTHER
DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A REGISTRATION STATEMENT WITH
RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER SUCH ACT, AND SUCH REGISTRATION
OR QUALIFICATION AS MAY BE NECESSARY UNDER THE SECURITIES LAWS OF ANY STATE HAS
BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE  June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 6

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed this Senior Term A Note
as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc.

  (f/k/a DeMarseCo Holdings, Inc.),

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 7

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 8

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN
REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE
SECURITIES LAWS OF ANY STATE. THIS NOTE HAS BEEN ACQUIRED FOR INVESTMENT
PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION, AND NO TRANSFER, SALE OR OTHER
DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A REGISTRATION STATEMENT WITH
RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER SUCH ACT, AND SUCH REGISTRATION
OR QUALIFICATION AS MAY BE NECESSARY UNDER THE SECURITIES LAWS OF ANY STATE HAS
BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT REQUIRED.

AMENDED AND RESTATED
SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 9

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc.

  (f/k/a DeMarseCo Holdings, Inc.),

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $3,000,000

  	
   

  	
  June
  18, 2007

  

No. 10

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of THREE
MILLION DOLLARS ($3,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

   

  
	
  

  	
   

  	
  By: 

  	
  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $2,832,805

  	
   

  	
  June
  18, 2007

  

No. 11

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of TWO
MILLION EIGHT HUNDRED THIRTY-TWO THOUSAND EIGHT HUNDRED AND FIVE 00/100 DOLLARS
($2,832,805) with interest thereon, on the terms and conditions set forth in
that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A Note”)
are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $1,892,445

  	
   

  	
  June
  18, 2007

  

No. 12

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of ONE
MILLION EIGHT HUNDRED NINETY-TWO THOUSAND FOUR HUNDRED AND FORTY-FIVE 00/100
DOLLARS ($1,892,445) with interest thereon, on the terms and conditions set
forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

   

  
	
  

  	
   

  	
  By: 

  	
  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM B NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 5

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

   

  
	
  

  	
   

  	
  By: 

  	
  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM B NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 6

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC.

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN
REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE
SECURITIES LAWS OF ANY STATE. THIS NOTE HAS BEEN ACQUIRED FOR INVESTMENT
PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION, AND NO TRANSFER, SALE OR OTHER
DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A REGISTRATION STATEMENT WITH
RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER SUCH ACT, AND SUCH REGISTRATION
OR QUALIFICATION AS MAY BE NECESSARY UNDER THE SECURITIES LAWS OF ANY STATE HAS
BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT REQUIRED.

AMENDED AND RESTATED SENIOR
SECURED TERM B NOTE

DUE June 30, 2013

	
  $5,000,000

  	
   

  	
  June 18, 2007

  

No. 7

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the terms
of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed this Senior Term B Note
as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC.

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation 

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM B NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 8

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation 

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM B NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June 18, 2007

  

No. 9

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC.

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED
SENIOR SECURED TERM B NOTE

DUE June 30, 2013

 

	
  $4,892,445

  	
   

  	
  June 18, 2007

  

No. 10

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FOUR
MILLION EIGHT HUNDRED AND NINETY-TWO THOUSAND FOUR HUNDRED AND FOURTY-FIVE
DOLLARS ($4,892,445) with interest thereon, on the terms and conditions set
forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR
SECURED TERM B NOTE

DUE June 30, 2013

	
  $2,832,805

  	
   

  	
  June 18, 2007

  

No. 11

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of TWO
MILLION EIGHT HUNDRED AND THIRTY-TWO THOUSAND EIGHT HUNDRED AND FIVE DOLLARS
($2,832,805) with interest thereon, on the terms and conditions set forth in
that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed this Senior Term B Note
as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation 

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive OfficerExhibit 10.25

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED
JUNIOR SECURED TERM C NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June 18, 2007

  

No. 5

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION 00/100 DOLLARS ($5,000,000) with interest thereon, on the terms and
conditions set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Junior Secured Term C Note (this “Junior Term C
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Junior Term C
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Junior Term C Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (the “Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Junior
Term C Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Junior Term C Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Junior Term C Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Junior Term C Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Junior Term C Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Junior Term C
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Junior Term C Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Junior Term C Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Junior Term C Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Junior Term C Note are secured pursuant to the terms of the Security Documents.

This Junior Term C Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Junior Term C Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED JUNIOR SECURED TERM C NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June 18, 2007

  

No. 6

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION 00/100 DOLLARS ($5,000,000) with interest thereon, on the terms and
conditions set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Junior Secured Term C Note (this “Junior Term C
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Junior Term C
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Junior Term C Note is due June 30, 2013 and is one of a series
of promissory notes issued pursuant to that certain Amended and Restated Credit
Agreement (the “Credit Agreement”), dated as of even date herewith, by
and among the Borrower and CCCI Holdings, Inc., American Capital Financial
Services, Inc., as administrative and collateral agent (the “Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Junior
Term C Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Junior Term C Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Junior Term C Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Junior Term C Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Junior Term C Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Junior Term C
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Junior Term C Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Junior Term C Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Junior Term C Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Junior Term C Note are secured pursuant to the terms of the Security Documents.

This Junior Term C Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed this Junior Term C Note
as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED JUNIOR SECURED TERM C NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June 18, 2007

  

No. 7

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION 00/100 DOLLARS ($5,000,000) with interest thereon, on the terms and
conditions set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Junior Secured Term C Note (this “Junior Term C
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Junior Term C
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Junior Term C Note is due June 30, 2013 and is one of a series
of promissory notes issued pursuant to that certain Amended and Restated Credit
Agreement (the “Credit Agreement”), dated as of even date herewith, by
and among the Borrower and CCCI Holdings, Inc., American Capital Financial
Services, Inc., as administrative and collateral agent (the “Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Junior
Term C Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Junior Term C Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Junior Term C Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Junior Term C Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Junior Term C Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Junior Term C
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Junior Term C Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Junior Term C Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Junior Term C Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Junior Term C Note are secured pursuant to the terms of the Security Documents.

This Junior Term C Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed this Junior Term C Note
as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED JUNIOR SECURED TERM C NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June 18, 2007

  

No. 8

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION 00/100 DOLLARS ($5,000,000) with interest thereon, on the terms and
conditions set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Junior Secured Term C Note (this “Junior Term C
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Junior Term C
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Junior Term C Note is due June 30, 2013 and is one of a series
of promissory notes issued pursuant to that certain Amended and Restated Credit
Agreement (the “Credit Agreement”), dated as of even date herewith, by
and among the Borrower and CCCI Holdings, Inc., American Capital Financial
Services, Inc., as administrative and collateral agent (the “Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Junior
Term C Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Junior Term C Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Junior Term C Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Junior Term C Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Junior Term C Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Junior Term C
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Junior Term C Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Junior Term C Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Junior Term C Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Junior Term C Note are secured pursuant to the terms of the Security Documents.

This Junior Term C Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed this Junior Term C Note
as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN
REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE
SECURITIES LAWS OF ANY STATE. THIS NOTE HAS BEEN ACQUIRED FOR INVESTMENT
PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION, AND NO TRANSFER, SALE OR OTHER
DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A REGISTRATION STATEMENT WITH
RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER SUCH ACT, AND SUCH REGISTRATION
OR QUALIFICATION AS MAY BE NECESSARY UNDER THE SECURITIES LAWS OF ANY STATE HAS
BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT REQUIRED.

AMENDED AND RESTATED JUNIOR SECURED TERM C NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 9

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION 00/100 DOLLARS ($5,000,000) with interest thereon, on the terms and
conditions set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Junior Secured Term C Note (this “Junior Term C
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Junior Term C
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Junior Term C Note is due June 30, 2013 and is one of a series
of promissory notes issued pursuant to that certain Amended and Restated Credit
Agreement (the “Credit Agreement”), dated as of even date herewith, by
and among the Borrower and CCCI Holdings, Inc., American Capital Financial
Services, Inc., as administrative and collateral agent (the “Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Junior
Term C Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Junior Term C Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Junior Term C Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Junior Term C Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Junior Term C Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Junior Term C
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Junior Term C Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Junior Term C Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Junior Term C Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Junior Term C Note are secured pursuant to the terms of the Security Documents.

This Junior Term C Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Junior Term C Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED
JUNIOR SECURED TERM C NOTE

DUE June 30, 2013

 

	
  $4,892,445

  	
   

  	
  June 18, 2007

  

No. 10

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FOUR
MILLION EIGHT HUNDRED AND NINETY-TWO THOUSAND FOUR HUNDRED AND FORTY-FIVE
00/100 DOLLARS ($4,892,445) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Junior Secured Term C Note (this “Junior Term C
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Junior Term C
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Junior Term C Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (the “Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Junior
Term C Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Junior Term C Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Junior Term C Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Junior Term C Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Junior Term C Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Junior Term C
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Junior Term C Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Junior Term C Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Junior Term C Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Junior Term C Note are secured pursuant to the terms of the Security Documents.

This Junior Term C Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Junior Term C Note as of the date first written above.

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
  

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED JUNIOR SECURED TERM C NOTE

DUE June 30, 2013

 

	
  $2,832,805

  	
   

  	
  June 18, 2007

  

No. 11

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of TWO
MILLION EIGHT HUNDRED AND THIRTY-TWO THOUSAND EIGHT HUNDRED AND FIVE 00/100
DOLLARS ($2,832,805) with interest thereon, on the terms and conditions set
forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Junior Secured Term C Note (this “Junior Term C
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Junior Term C
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Junior Term C Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (the “Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Junior
Term C Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Junior Term C Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Junior Term C Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Junior Term C Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Junior Term C Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Junior Term C
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Junior Term C Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Junior Term C Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Junior Term C Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Junior Term C Note are secured pursuant to the terms of the Security Documents.

This Junior Term C Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed this Junior Term C Note
as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc.

  (f/k/a DeMarseCo Holdings, Inc.),

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
  

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED JUNIOR SECURED TERM D NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June 18, 2007

  

No. 5

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION 00/100 DOLLARS ($5,000,000) with interest thereon, on the terms and
conditions set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Junior Secured Term D Note (this “Junior Term D
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Junior Term D
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Junior Term D Note is due June 30, 2013 and is one of a series
of promissory notes issued pursuant to that certain Amended and Restated Credit
Agreement (the “Credit Agreement”), dated as of even date herewith, by
and among the Borrower and CCCI Holdings, Inc., American Capital Financial
Services, Inc., as administrative and collateral agent (the “Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Junior
Term D Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Junior Term D Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Junior Term D Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Junior Term D Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Junior Term D Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Junior Term D
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Junior Term D Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Junior Term D Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Junior Term D Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Junior Term D Note are secured pursuant to the terms of the Security Documents.

This Junior Term D Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed this Junior Term D Note
as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
  

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED JUNIOR SECURED TERM D NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June 18, 2007

  

No. 6

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION 00/100 DOLLARS ($5,000,000) with interest thereon, on the terms and
conditions set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Junior Secured Term D Note (this “Junior Term D
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Junior Term D
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Junior Term D Note is due June 30, 2013 and is one of a series
of promissory notes issued pursuant to that certain Amended and Restated Credit
Agreement (the “Credit Agreement”), dated as of even date herewith, by
and among the Borrower and CCCI Holdings, Inc., American Capital Financial
Services, Inc., as administrative and collateral agent (“Agent”), and
the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Junior
Term D Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Junior Term D Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Junior Term D Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Junior Term D Note, and the interest accrued thereon, may
be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Junior Term D Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Junior Term D
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Junior Term D Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Junior Term D Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Junior Term D Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Junior Term D Note are secured pursuant to the terms of the Security Documents.

This Junior Term D Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in accordance
with the laws of said State, except for its rules relating to the conflict of
laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Junior Term D Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

   

  
	
  

  	
   

  	
  By: 

  	
  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED JUNIOR SECURED TERM D NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June 18, 2007

  

No. 7

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION 00/100 DOLLARS ($5,000,000) with interest thereon, on the terms and
conditions set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Junior Secured Term D Note (this “Junior Term D
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Junior Term D
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Junior Term D Note is due June 30, 2013 and is one of a series
of promissory notes issued pursuant to that certain Amended and Restated Credit
Agreement (the “Credit Agreement”), dated as of even date herewith, by
and among the Borrower and CCCI Holdings, Inc., American Capital Financial
Services, Inc., as administrative and collateral agent (“Agent”), and
the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Junior
Term D Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Junior Term D Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Junior Term D Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Junior Term D Note, and the interest accrued thereon, may
be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Junior Term D Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Junior Term D
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Junior Term D Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Junior Term D Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Junior Term D Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Junior Term D Note are secured pursuant to the terms of the Security Documents.

This Junior Term D Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in accordance
with the laws of said State, except for its rules relating to the conflict of
laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed this Junior Term D Note
as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
  

  /s/ Elisabeth DeMarse

  	
   

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED JUNIOR SECURED TERM D NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June 18, 2007

  

No. 8

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION 00/100 DOLLARS ($5,000,000) with interest thereon, on the terms and
conditions set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Junior Secured Term D Note (this “Junior Term D
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Junior Term D
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Junior Term D Note is due June 30, 2013 and is one of a series
of promissory notes issued pursuant to that certain Amended and Restated Credit
Agreement (the “Credit Agreement”), dated as of even date herewith, by
and among the Borrower and CCCI Holdings, Inc., American Capital Financial
Services, Inc., as administrative and collateral agent (“Agent”), and
the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Junior
Term D Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Junior Term D Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Junior Term D Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Junior Term D Note, and the interest accrued thereon, may
be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Junior Term D Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Junior Term D
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Junior Term D Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Junior Term D Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Junior Term D Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Junior Term D Note are secured pursuant to the terms of the Security Documents.

This Junior Term D Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in accordance
with the laws of said State, except for its rules relating to the conflict of
laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Junior Term D Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
  

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED JUNIOR SECURED TERM D NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June 18, 2007

  

No. 9

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION 00/100 DOLLARS ($5,000,000) with interest thereon, on the terms and
conditions set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Junior Secured Term D Note (this “Junior Term D
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Junior Term D
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Junior Term D Note is due June 30, 2013 and is one of a series
of promissory notes issued pursuant to that certain Amended and Restated Credit
Agreement (the “Credit Agreement”), dated as of even date herewith, by
and among the Borrower and CCCI Holdings, Inc., American Capital Financial
Services, Inc., as administrative and collateral agent (“Agent”), and
the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Junior
Term D Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Junior Term D Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Junior Term D Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

This Junior Term D Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Junior Term D
Note.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Junior Term D Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Junior Term D Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Junior Term D Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Junior Term D Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Junior Term D Note are secured pursuant to the terms of the Security Documents.

This Junior Term D Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in accordance
with the laws of said State, except for its rules relating to the conflict of
laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Junior Term D Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
  

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED JUNIOR SECURED TERM D NOTE

DUE June 30, 2013

 

	
  $4,892,445

  	
   

  	
  June 18, 2007

  

No. 10

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FOUR
MILLION EIGHT HUNDRED NINETY-TWO THOUSAND FOUR HUNDRED AND FORTY-FIVE 00/100
DOLLARS ($4,892,445) with interest thereon, on the terms and conditions set
forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Junior Secured Term D Note (this “Junior Term D
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Junior Term D
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Junior Term D Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Junior
Term D Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Junior Term D Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Junior Term D Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Junior Term D Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Junior Term D Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Junior Term D Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Junior Term D Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Junior Term D Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Junior Term D Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Junior Term D Note are secured pursuant to the terms of the Security Documents.

This Junior Term D Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Junior Term D Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
  

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED JUNIOR SECURED TERM D NOTE

DUE June 30, 2013

 

	
  $2,832,805

  	
   

  	
  June 18, 2007

  

No. 11

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of TWO
MILLION EIGHT HUNDRED THIRTY-TWO THOUSAND EIGHT HUNDRED AND FIVE 00/100 DOLLARS
($2,832,805) with interest thereon, on the terms and conditions set forth in
that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Junior Secured Term D Note (this “Junior Term D Note”)
are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Junior Term D
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Junior Term D Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Junior
Term D Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Junior Term D Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Junior Term D Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Junior Term D Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Junior Term D Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Junior Term D
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Junior Term D Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Junior Term D Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Junior Term D Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Junior Term D Note are secured pursuant to the terms of the Security Documents.

This Junior Term D Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Junior Term D Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
  

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

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