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EXHIBIT 10.30

                  NONCOMPETITION AND NONSOLICITATION AGREEMENT

     THIS NONCOMPETITION AND NONSOLICITATION AGREEMENT (this "Agreement") is
entered into as of November 29, 2001 by and among Endorex Corporation, a
Delaware corporation located at 28101 Ballard Drive, Suite F, Lake Forest, IL
60045 (the "Company"), and Steve H. Kanzer, an individual with an address at 300
South Point South Point Drive, Apartment 3501, Miami Beach, Florida 33139
("Officer") and, for purposes of Section 1.4 of this Agreement only, Corporate
Technology Development, Inc. ("CTD"). In consideration of the mutual covenants
contained herein, the parties hereto agree as follows:

                                    RECITALS

          A.   The Company, Roadrunner Acquisition, Inc., a Delaware corporation
and a wholly-owned subsidiary of the Company ("Merger Sub"), and CTD, have
entered into an Agreement and Plan of Merger and Reorganization, dated as of
July 31, 2001 (the "Merger Agreement"), which provides for, upon the terms and
subject to the conditions set forth therein, a business combination between the
Company and CTD by means of a merger of Merger Sub with and into CTD (the
"Merger"), with CTD thereby becoming a wholly-owned subsidiary of the Company.

          B.   Officer is an officer, director and security holder of CTD and
will receive substantial consideration in the Merger, including receipt of
shares of, and options exercisable for, common stock of the Company in exchange
for shares of, and options exercisable for, capital stock of CTD.

          C.   Officer's employment by, or other association with, a competitor
to the Company would substantially benefit that competitor and would
correspondingly harm the Company and reduce the value received by the Company in
the Merger.

          D.   Parent and Merger Sub are willing to enter into the Merger
Agreement only upon the condition that the Officer enter into this Agreement.

          E.   In order to induce Parent and Merger Sub to enter into the Merger
Agreement, Officer is willing to enter into this agreement.

                                    AGREEMENT

     NOW, THEREFORE, in consideration of the foregoing and the mutual covenants
and agreements herein contained, and intending to be legally bound hereby, the
parties hereto hereby agree as follows:

1.   CONFIDENTIALITY AND INVENTIONS

     1.1. Officer agrees that Officer will not, directly or indirectly, use or
          disclose to any person, firm or corporation, any confidential
          information, trade secrets, technical data and know-how of the
          Company, including but not limited to information relating to customer
          lists, customer contact information, marketing materials,

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          pricing information, financial information, employee information,
          business practices, any other information of the Company not generally
          known to the public, or the products, research, development,
          processes, methods and equipment of the Company and its subsidiaries,
          including CTD and its subsidiaries ("Proprietary Information"),
          without the prior written consent of the Company. Proprietary
          Information does not, however, include information that is or becomes
          generally available in the pharmaceuticals industry other than by
          breach of this Agreement by Officer.

     1.2. Officer agrees that any and all inventions, discoveries, improvements,
          processes, compounds, or formulae (collectively "Inventions"), whether
          or not patentable or registerable under patent, copyright, or similar
          statutes, that were made, conceived, discovered or acquired by
          Officer, solely or jointly with others, in the course of performing
          services for or acting as an employee or officer of the Company, CTD
          or any of their subsidiaries, or which result from the use of premises
          owned, leased, or contracted by CTD, the Company or any of their
          subsidiaries and which may be used or useful in or relate to the
          business of the Company and its subsidiaries, including CTD and its
          subsidiaries, shall be the property of the Company. Officer hereby
          assigns to the Company all of Officer's right, title and interest in
          and to any such inventions, including, without limitation, all
          Inventions discovered or acquired by Officer during or in connection
          with his employment by CTD or any of its subsidiaries. Without
          limiting the foregoing, Officer further acknowledges that all original
          works of authorship by Officer, whether created alone or jointly with
          others, which are protectable by copyright, are "works made for hire"
          within the meaning of the United States Copyright Act, 17 U.S.C.
          Section. 101, as amended, and the copyright of which shall be owned
          solely, completely and exclusively by the Company. If any Invention is
          considered to be work not included in the categories of work covered
          by the United States Copyright Act, 17 U.S.C. Section. 101, as
          amended, such work is hereby assigned or transferred completely and
          exclusively to the Company. Any assignment of copyright hereunder
          includes all rights of paternity, integrity, disclosure and withdrawal
          and any other rights that may be known as or referred to as "moral
          rights" (collectively "Moral Rights"). To the extent such Moral Rights
          cannot be assigned under applicable law and to the extent the
          following is allowed by the laws in the various countries where Moral
          Rights exist, Officer hereby waives such Moral Rights and consents to
          any action of the Company that would violate such Moral Rights in the
          absence of such consent. Officer agrees to confirm any such waivers
          and consents from time to time as may be reasonably requested by the
          Company.

     1.3. Officer shall, as requested by the Company at any time and from time
          to time, execute and deliver to the Company any instruments deemed
          necessary by the Company to effect disclosure and assignment of the
          Inventions to it or to persons designated by it and shall cooperate
          with the Company as may be reasonably required with regard to, and
          shall execute and deliver to the Company, any patent, copyright or
          trademark applications (United States or foreign) and renewals with
          respect thereto, including any other instruments deemed necessary by
          the Company for the prosecution of such patent, copyright or trademark
          application or the acquisition of letters patent. Officer's obligation
          to assist the Company in obtaining and enforcing patents, copyrights
          or trademarks for such Inventions in any and all countries shall
          continue beyond the termination of this Agreement, but the Company
          shall compensate Officer at a rate of two hundred and fifty dollars
          ($250) per hour after such termination for time actually spent at the
          Company's request on such assistance. In the event the Company is
          unable, after reasonable effort, to secure the signature of Officer on
          any document or documents needed to apply for or prosecute any patent,
          copyright or to other right or protection relating to an Invention,
          whether

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          because of physical or mental incapacity or for any other reason
          whatsoever, Officer hereby irrevocably designates and appoints the
          Company and its duly authorized agents as agent and attorney-in-fact,
          to act for and on behalf of Officer to execute and file any such
          application or applications and to do all other lawfully permitted
          acts to further prosecution and issuance of patents, copyrights or
          other similar protection thereon with the same legal force and effect
          as if executed by Officer

     1.4. The parties hereto hereby agree and acknowledge that the Employment
          Agreement by and among Officer and CTD, dated as of December 14, 1998
          (the "CTD Employment Agreement") is terminated as of the date hereof
          and Officer hereby specifically waives the provisions and the rights
          set forth in Sections 3 and 7 of the CTD Employment Agreement,
          including, but not limited to, any payments related to termination of
          Officer's employment with CTD, bonuses, milestone payments or carried
          interest in licenses, technologies or acquisitions by CTD or any
          subsidiaries of CTD. Officer hereby resigns from any and all positions
          held by Officer within CTD or any subsidiaries of CTD and acknowledges
          and agrees that other than as provided in Section 1.6(h) of the Merger
          Agreement, no obligations or amounts are owed to Officer (whether in
          cash, equity or otherwise) under the CTD Employment Agreement or
          pursuant to any other agreement, understanding or arrangement under
          which CTD or any subsidiaries of CTD would be so obligated.

2.   RESTRICTIVE COVENANTS

     2.1. For a period of one (1) year from the date hereof, Officer will not,
          directly or indirectly, (i) engage in; (ii) have any interest in any
          person, firm, or corporation (except an interest that is less than
          five percent (5%) of the outstanding stock of a publicly traded
          corporation) that engages in; or (iii) perform any services for any
          person, firm, or corporation that engages in the development, research
          relating to, manufacture, processing, marketing, distribution, or sale
          of (a) orally delivered corticosteroids for the treatment of Graft
          Versus Host Disease, Crohns Disease, ulcerative colitis, or any other
          related gastrointestinal disorder(s), (b) orally delivered solutions
          of Azathioprine, or analogs thereof for the supression of the immune
          system or any part thereof, including the uses that as of the date
          hereof are approved by the U.S. Food and Drug Administration, (c)
          imidazole-like compounds or analogs thereof for the treatment of dry
          eye syndrome or blepharitis, (d) the Allergan BoTox(R) program, (e)
          polymer based drug delivery technologies for the rapid dissolution
          into suspension of normal and controlled release drugs in tablet form,
          including the UM Technology, (f) oral and nasal delivery of proteins,
          or peptides utilizing lipid-based, liposomal-based or polymer-based
          technologies, (g) delivery of iron chelating compound(s) via an
          ambulatory, subcutaneous, micro-injection pump device, or (h) muramyl
          dipeptide immunomodulators for treatment of cancers or infectious
          diseases.

     2.2. For a period of one (1) year from the date hereof, Officer will not,
          directly or indirectly, solicit business from any of the clients or
          customers of the Company or any of its subsidiaries, including CTD and
          its subsidiaries.

     2.3. For a period of one (1) year from the date hereof, Officer will not,
          directly or indirectly, employ, solicit for employment, or advise or
          recommend to any other person that they employ or solicit for
          employment, any employee of the Company

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          or any of its subsidiaries.

     2.4. Officer represents that his experience and capabilities are such that
          the provisions of this Section 2 will not prevent him from earning a
          livelihood.

     2.5. On condition that he otherwise complies with the terms of this
          Agreement, including without limitation the restrictive covenants
          contained within this Section 2, the Officer may at any time contact
          and do business with any person or entity that the Officer had
          dealings with in his capacity as an employee of CTD.

3.   NO CONFLICT WITH OR BREACH OF OTHER AGREEMENTS.

     3.1. Officer hereby represents, warrants and covenants that (a) Officer is
          not party to any agreement, contract, arrangement or understanding
          that prohibits or purports to prohibit Officer from entering into this
          Agreement and performing duties hereunder, and (b) the execution,
          delivery and performance by Officer of this Agreement will not
          constitute a breach of or default under any agreement, contract,
          arrangement or understanding to which Officer is a party or which is
          or purports to be binding upon Officer.

4.   MISCELLANEOUS

     4.1. This Agreement shall be binding upon and for the benefit of the
          parties hereto and their respective heirs, executors, administrators,
          successors, devisees and assigns; provided, however, that Officer may
          not assign rights or delegate duties under this Agreement without the
          prior written consent of the Company and that any attempt by Officer
          to do so without such consent shall be void.

     4.2. This Agreement contains the entire understanding and agreement of the
          parties with respect to the relationship between the Company and
          Officer (other than as a security holder and board member of the
          Company), and it may not be altered, amended, modified or otherwise
          changed in any respect whatsoever except by a writing duly executed by
          the parties hereto.

     4.3. This document may be executed in any number of counterparts, each of
          which shall be deemed to be an original and shall fully bind each
          party who has executed it, but all such counterparts together shall
          constitute one and the same agreement.

     4.4. No failure or delay on the part of any party hereto in exercising any
          right, power or remedy hereunder shall operate as a waiver thereof.
          The Company shall have the right to enforce this Agreement and any of
          its provisions by injunction, specific performance or other equitable
          relief, without bond and without prejudice to any other rights and
          remedies that the Company may have for the breach of this Agreement.

     4.5. The parties agree that it is not their intention for this Agreement to
          violate any public policy or statutory or common law. The parties
          intend that the provisions of this Agreement be enforced to the
          fullest extent permissible under the laws and public policies in the
          jurisdiction in which enforcement is sought. The parties intend that
          the noncompetition and nonsolicitation provisions contained in Section

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          2 be construed as a series of separate covenants by Officer.
          Accordingly, to the extent that any provisions hereunder shall be
          adjudicated to be invalid or unenforceable in any jurisdiction in
          which they apply, such provisions and such provisions only shall be
          deemed amended or reformed to the minimum extent necessary in order
          for the provisions to be valid and enforceable.

     4.6. This Agreement shall be construed and enforced pursuant to the laws of
          the State of Illinois, without giving effect to conflict of law
          principals.

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

                    Endorex Corporation:
                                          ------------------------------

                                          Name:  Michael S. Rosen
                                          Title: President

                    Officer:              ------------------------------
                                          Steve H. Kanzer

     IN WITNESS WHEREOF, CTD has executed this Agreement for the purposes of
Section 1.4 hereof as of the day and year first above written.

                    Corporate Technology
                    Development, Inc.:
                                          ------------------------------
                                          Name:
                                          Title:QuickLinks
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EXHIBIT 10.4  

 
 

EMPLOYMENT AGREEMENT    
  

        THIS EMPLOYMENT AGREEMENT is made and entered into as of July 1, 1999 (the "Effective Date"), by and between INSWEB CORPORATION, a Delaware corporation
(the "Company"), and HUSSEIN A. ENAN (the "Employee"). 

 
 

Recitals    
  

        A.
The Employee is currently employed by the Company as its Chief Executive Officer pursuant to an Employment Agreement dated as of November 22, 1996 (the "1996 Agreement"); 

        B.
The parties desire to terminate the 1996 Agreement and to continue the employment of the Employee as the Company's Chief Executive Officer upon the terms and conditions hereinafter
set forth. The employment of the Employee pursuant to this Agreement is hereinafter sometimes referred to as the "Employment." 

        NOW,
THEREFORE, in consideration of the agreements, representations and warranties contained in this Agreement, the Company and the Employee hereby agree as follows: 

        1.    Duties, Term and Exclusive Employment.    

        1.1    Duties and Responsibilities.    Within the limitations established by the Company's Bylaws, the Employee shall
have each and all of the duties and responsibilities of the Company's Chief Executive Officer. As such, the Employee shall have management responsibility and authority with respect to the operations
and strategic direction of the Company and the other customary prerogatives of a chief executive officer, subject to the direction of the Company's Board of Directors. 

        1.2    Term of Employment.    The Employment shall begin on the Effective Date and, unless earlier terminated as
provided in Paragraph 3 hereof, the Employment shall continue until midnight on the third anniversary of the Effective Date. The Employment shall be renewed automatically for successive one
(1) year terms thereafter, unless either party gives written notice to the other at least ninety (90) days prior to the expiration of the initial term (or, if applicable, any extended
term) of his or its election not to renew the Employment for the subsequent term. 

        1.3    No Other Employment or Productive Activities.    During the term of the Employment, the Employee shall
diligently and conscientiously devote all of his working time and attention to discharging his duties to the Company and shall not, without the express prior written consent of the Company, render to
any other person or entity any services of any kind for compensation or engage in any other activity that would in any manner whatsoever interfere with the performance of the Employee's duties on
behalf of the Company. The foregoing notwithstanding, nothing herein shall prevent the Employee from (i) serving on boards of directors of other companies not in competition with the Company,
(ii) engaging in charitable activities or activities of professional associations, (iii) managing on his own personal time any personal investments in entities not in competition with
any actual or then proposed business of the Company or (iv) owning up to one percent (1%) of the outstanding shares of any class of equity securities of a corporation engaged in any such
competition whose securities are listed on a national securities exchange or quoted daily in the over-the-counter listings of The Wall Street Journal  ("Permitted Shares"). 

        2.    Compensation and Benefits.    In full and complete consideration for the Employment and each and all of the
services to be rendered by the Employee to the Company or any subsidiary or controlled 

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affiliate of the Company (collectively, the "InsWeb Group"), the Employee shall be entitled to receive compensation and benefits as follows, except as otherwise provided in Paragraph 3 hereof: 

        2.1    Base Salary.    The Employee shall be entitled to receive from the Company a base salary, at the initial rate
of $250,000 per annum, payable in periodic installments on the Company's regular payroll dates, during the term of the Employment. The base salary will be reviewed annually and may be increased (but
not decreased) by the Company, in the sole discretion of its Board of Directors, based upon such factors as the Board deems relevant, including the financial condition and operating results of the
Company. From each of the Employee's salary payments the Company will withhold and pay to the proper governmental authorities any and all amounts required by law to be withheld from the
Employee's salary. The Company will also deduct from the Employee's salary payments those sums, if any, authorized by the Employee in writing and approved by the Company. The Company will make all
payments and contributions that are required by law to be made by the Company for the Employee's benefit without any deduction from the Employee's salary payments. 

        2.2    Bonus Awards.    The Employee will be eligible to participate in any incentive compensation plan adopted by the
Company for the benefit of the Company's officers generally. In the absence of such a plan, the Employee will be eligible for consideration for incentive compensation ("Bonus Awards"). Any such Bonus
Award shall be at the sole discretion of the Company's Board of Directors, or the Compensation Committee thereof, and shall be based upon such factors as the Board or such Committee deems relevant. 

        2.3    Stock Options.    During the Employment, the Employee will be eligible for the grant of options under the
Company's employee stock option plans at the sole discretion of the Company's Board of Directors, or the Compensation Committee thereof, based upon such factors as the Board or such Committee deems
relevant. Any such Bonus Award shall be payable at the time or times specified by the Board or such Committee; provided, however, that for purposes of Paragraph 3 hereof, (i) any portion
of a Bonus Award that is subject to the achievement of goals or objectives which have been achieved as of the date of termination of the Employment shall be deemed to be earned and payable as of such
date, and (ii) any portion of a Bonus Award that is subject to the achievement of goals or objectives which have not been achieved as of the date of termination of the Employment but which are
subsequently achieved shall be deemed to be earned and payable on a pro-rata basis, based upon the number of days of Employment in the relevant year or other fiscal period. 

        2.4    Vacation.    The Employee shall be entitled to paid vacation in accordance with the Company's vacation policy
for executive officers, as in effect from time to time during the Employment. 

        2.5    Insurance and Other Benefits.    The Employee shall be entitled to participate in the life, medical, dental
and/or disability insurance plans, together with any supplemental insurance plans, offered by the Company to its employees, generally, from time to time during the Employment. The Employee shall be
eligible to participate in any other fringe benefits as may be provided by the Company to its officers, generally, during the Employment. 

        3.    Termination of Employment.    The Employment may be terminated prior to the end of the term specified in
Paragraph 1.2 hereof upon the occurrence of any of the following: 

        3.1    Death or Disability.    The Employment shall automatically terminate upon the death of the Employee. The
Company shall have the unrestricted right, but not the obligation, to terminate the Employment at any time following determination of the Employee's "permanent disability" (as then defined in the
Company's long-term disability insurance plan covering the Employee if such a plan is in effect, or otherwise as determined by the Company's Board of Directors). In the event of 

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the Employee's death or permanent disability, the Employee or his estate shall be entitled to receive (i) the Employee's base salary through the date of termination of the Employment, plus
(ii) any Bonus Award earned or deemed to be earned by the Employee and payable as of the date of termination of the Employment pursuant to Paragraph 2.2 hereof but not yet paid, plus
(iii) any other benefits to which the Employee is entitled pursuant to the plans described in Paragraph 2.5 hereof. 

        3.2    Termination of Employment by the Company "For Cause".    The Company shall have the unrestricted right, but not
the obligation, to terminate the Employment at any time "For Cause" in the event of the Employee's (i) conviction of a felony or any crime involving moral turpitude, (ii) commission of any act
of theft or fraud against, or involving the records of, the Company or any other member of the InsWeb Group, (iii) material breach of the Employee's obligations under the Confidentiality
Agreement, which, if curable, is not cured within thirty (30) days following notice thereof by the Company, or (iv) repeated failure or inability (other than as a result of physical
disability) to perform his duties hereunder, which failure or inability is not cured within thirty (30) days following written notice thereof by the Board of Directors of the Company. The
decision to terminate the Employment For Cause, to take other action or to take no action in response to any such occurrence shall be in the sole and exclusive discretion of the Board of Directors of
the Company. Upon any termination of the Employment by the Company For Cause, the Employee shall be entitled to receive (A) the Employee's base salary through the date of such termination, plus
(B) any Bonus Award earned or deemed to be earned by the Employee and payable as of the date of termination of the Employment pursuant to Paragraph 2.2 hereof but not yet paid, plus
(C) any other benefits to which the Employee is entitled pursuant to the plans described in Paragraph 2.5 hereof. 

        3.3    Other Termination of Employment by the Company.    The Company shall have the right to terminate the Employment
at any time. However, if the Employment is terminated or not renewed by the Company for any reason other than pursuant to Paragraphs 3.1 or 3.2 hereof, the Employee shall be entitled to receive his
base salary through the date of termination of the Employment, plus an amount (the "Severance Payment") equal to his then-current base salary for the greater of (i) the unexpired
term of the Employment or (ii) a period of twelve (12) months following the date of termination (the "Severance Period"). The Severance Payment shall be paid in periodic installments
during the Severance Period, in accordance with the Company's payroll policy as in effect from time to time, and shall be in lieu of any other severance pay to which the Employee might otherwise be
entitled. In addition, in the event of such a termination, the Company will, to the extent its plans permit, continue to provide to the Employee, at the current level of employee contribution by the
Employee prevailing at the date of termination, coverage under its life, medical, dental and/or disability plans, as in effect on the date of termination, during the Severance Period. If the Company's
plans do not permit continued coverage for the Employee under these circumstances, the Company shall pay or reimburse the Employee for the cost of purchasing such coverage independently, subject to
the timely compliance by the Employee with any notification procedure required under COBRA in order to obtain continued coverage. The Employee shall also be entitled, upon any such termination, to
receive (A) any Bonus Award earned or deemed to be earned by the Employee and payable as of the date of termination of the Employment pursuant to Paragraph 2.2 hereof but not yet paid,
plus (B) any other benefits to which the Employee is entitled pursuant to the plans described in Paragraph 2.5 hereof. 

        3.4    Termination of Employment by the Employee For "Good Reason".    The Employee shall have the right to terminate
the Employment at any time for "Good Reason" in the event that, other than pursuant to Paragraphs 3.1 or 3.2 hereof, the Company, without the Employee's prior written consent, (i) materially
alters or reduces the Employee's duties, responsibilities and authority from those which exist as of the Effective Date; (ii) changes the Employee's job title so 

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that it does not include the title Chief Executive Officer (or assigns the Employee duties which are inconsistent with the Employee's position as Chief Executive Officer); (iii) materially
breaches the terms of this Agreement in respect to the payment of compensation or benefits or in any other material respect and such breach is not cured within ten (10) days after the Company
receives notice thereof; (iv) requires the Employee, as a condition to the Employment, to be based more than fifty (50) miles from the Company's principal place of business as of the
Effective Date; or (v) requires the Employee, as a condition to the Employment, to perform illegal or fraudulent acts or omissions. If the Employee voluntarily terminates the Employment for
Good Reason pursuant to this Paragraph 3.4, the Employee shall be entitled to receive the payments and other benefits specified in Paragraph 3.3 hereof with respect to a termination by
the Company other than For Cause. 

        3.5    Termination of Employment by the Employee Without "Good Reason".    Upon any voluntary termination of the
Employment by the Employee, other than for Good Reason pursuant to Paragraph 3.4 hereof, the Employee shall be entitled to receive (i) the Employee's base salary through the date of such
termination, plus (ii) any Bonus Award earned or deemed to be earned by the Employee and payable as of the date of termination of the Employment pursuant to Paragraph 2.2 hereof but not
yet paid, plus (iii) any other benefits to which the Employee is entitled pursuant to the plans described in Paragraph 2.5 hereof. 

        4.    Expenses.    The Company will reimburse the Employee for those customary, ordinary and necessary business
expenses incurred by him in the performance of his duties and activities on behalf of the Company or any other member of the InsWeb Group. Such expenses will be reimbursed upon presentation by the
Employee of appropriate documentation to substantiate such expenses pursuant to the policies and procedures of the Company governing reimbursement of business expenses to its executive employees. The
Employee shall present such documentation for any unreimbursed expenses not later than thirty (30) days after the termination of the Employment. 

        5.    Authority; Noncompetition.    The Employee warrants and represents to the Company that he has the full, complete
and entire right and authority to enter into the Employment and this Agreement, that he has no agreement, duty, commitment or responsibility of any kind or nature whatsoever with any other person,
corporation, partnership, firm, company, joint venture or other entity which would conflict in any manner whatsoever with any of his duties, obligations or responsibilities to the Company or any other
member of the InsWeb Group pursuant to the Employment and/or this Agreement, and that he is fully ready, willing and able to perform each and all of such duties, obligations and responsibilities. As a
condition of the Employment and of the Company's entering into this Agreement, the Employee hereby specifically agrees, covenants, warrants and represents that, during the Employment, he will not,
without the Company's express prior written consent, accept any employment, contractual or other relationship of any kind or nature whatsoever or engage in any association or dealing of any kind or
nature whatsoever with any person, corporation, partnership, firm, company, joint venture, or other entity, in competition with any business of the Company or any other member of the InsWeb Group
currently conducted or conducted during that period; provided that nothing in this Paragraph 5 shall prohibit the Employee from owning Permitted Shares. 

        6.    Duties of the Employee After Any Notice of Termination of the Employment.    Following any notice of termination
of the Employment, the Employee shall fully cooperate with the Company in all matters relating to the winding up of the Employee's work on behalf of the Company and the orderly transfer of all pending
work and of the Employee's duties and responsibilities to such other person or persons as may be designated by the Company in its sole discretion. Upon any termination of the Employment, the Employee
will immediately deliver to the Company any and all of the property of the Company or any other member of the InsWeb Group of any kind or nature whatsoever in the Employee's possession, custody or
control, including, without limitation any and all proprietary or confidential information of the Company. 

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        7.    No Predatory Solicitation.    During the Employment and for one (1) year following any termination of the
Employment (except a termination pursuant to Paragraphs 3.3 or 3.4 hereof), the Employee will not, without having received the Company's prior written permission to do so, directly or indirectly, on
his own behalf or in the service of others, solicit the employment of any of the officers, employees, consultants, agents and/or independent contractors of the Company or any other member of the
InsWeb Group or in any manner attempt to persuade any such person to discontinue any relationship with such entity. The Employee and the Company acknowledge that this Paragraph 7 is reasonable
and necessary for the protection of the trade secrets and proprietary information of InsWeb. 

        8.    Arbitration.    Except as otherwise expressly provided in this Agreement, any controversy, dispute and/or claim
in any manner arising out of or relating to this Agreement or the Employment shall be fully and finally resolved solely by binding arbitration conducted in accordance with the rules of the American
Arbitration Association in Redwood City, California. Judgment on any decision rendered by the arbitrator may be entered in any court having jurisdiction. All costs of the arbitration, including,
without limitation, the costs of any record or transcript of the arbitration proceedings, administrative fees, the fee of the arbitrator, the fees and expenses of the attorneys for each party and all
other fees and costs shall be borne by the party not prevailing in the arbitration, as determine by the arbitrator, or apportioned as the arbitrator shall determine if, in the judgment of the
arbitrator, neither party prevails. Except as otherwise expressly provided in this Agreement, the arbitration provisions set forth above in this Paragraph 8 are intended by the Employee and by
the Company to be absolutely exclusive for all purposes whatsoever and applicable to each and every controversy, dispute and/or claim in any manner arising out of or relating to this Agreement, and
the Employment, the meaning, application and/or interpretation of this Agreement, any breach or claimed breach hereof and/or any voluntary or involuntary termination of this Agreement with or without
cause, including, without limitation, any such controversy, dispute and/or claim which, if pursued through any state or federal court or administrative agency, would arise at law, in equity and/or
pursuant to statutory, regulatory and/or common law rules, regardless of whether such dispute, controversy and/or claim would arise in and/or from contract, tort or any other legal and/or equitable
theory or basis. The arbitrator who hears and decides any controversy, dispute and/or claim between the Company and the Employee shall, in determining a remedy, have jurisdiction and authority only to
award compensatory damages to make whole a party suffering foreseeable economic damages, and, other than foreseeable economic damages, the arbitrator
shall not have any authority or jurisdiction to make any award of any kind or nature whatsoever as compensation for any damages and/or any award of damages for pain and suffering, emotional distress
or any other kind or form of non-economic damages and/or non-foreseeable economic damages. Notwithstanding anything to the contrary contained in this Paragraph 8,
(i) the Company shall at all times have and retain the full, complete and unrestricted right to seek injunctive and other relief as provided in Paragraph 9 below, and (ii) the
Company and the Employee shall each retain the right to institute legal proceedings to recover monetary damages or seek other relief arising out of defamatory statements concerning such party made by
or on behalf of the other party. 

        9.    The Company's Right to Injunctive Relief.    The Employee recognizes, acknowledges and agrees that any breach or
any threatened breach of any Paragraph, term, provision or covenant of any of Paragraphs 5, 6, 7 or 8 of this Agreement or of any confidentiality agreement between the Company and the Employee would
cause irreparable injury to the Company which could not be adequately compensable in monetary damages and that the remedy at law for any such breach will be entirely insufficient and inadequate to
protect their legitimate interests. Therefore, the Employee specifically recognizes, acknowledges and agrees that the Company shall at any and all times be and remain fully entitled to seek and obtain
temporary, preliminary and permanent injunctive relief for any such breach or threatened breach from any court of competent jurisdiction. The prevailing party in any action instituted pursuant to this
Paragraph 9, or in any appeal from any arbitration pursuant to Paragraph 8 

5

 

hereof, shall be entitled to recover from the other party its reasonable attorneys' fees and other expenses incurred in such litigation. 

        10.    Survival of Certain Provisions of this Agreement.    Except as may otherwise be provided herein, each and all
of the terms, provisions and covenants of this Agreement shall, for any and all purposes whatsoever, survive any termination of the Employment, subject to the limitations and conditions set forth in
each separate provision, regardless of whether such termination is by the Employee, by the Company, by expiration or otherwise. 

        11.    General.    

        11.1    Successors and Assigns.    The provisions of this agreement shall inure to the benefit of and be binding upon
the Company, the Employee and each and all of their respective heirs, legal representatives, successors and assigns. The duties, responsibilities and obligations of the Employee under this Agreement
shall be personal and not assignable or delegable by the Employee in any manner whatsoever to any person, corporation, partnership, firm, company, joint venture or other entity. The Employee may not
assign, transfer, convey, mortgage, pledge or in any other manner encumber the compensation or other benefits to be received by him or any rights which he may have pursuant to the terms and provisions
of this Agreement. 

        11.2    Waiver.    No waiver of any branch of any warranty, representation, agreement, promise, covenant, paragraph,
term or provision of this Agreement shall be deemed to be a waiver of any preceding or succeeding breach of the same or any other warranty, representation, agreement, promise, covenant,
paragraph, term and/or provision of this Agreement. No extension of the time for the performance of any obligation or other act required or permitted by this Agreement shall be deemed to be an
extension of the time for the performance of any other obligation or any other act required or permitted by this Agreement. 

        11.3    Sole and Entire Agreement.    This Agreement, and the other agreements referred to herein, including the
Company's benefit plans, are the sole, complete and entire contract, agreement and understanding between the Company and the Employee concerning the Employment, the terms and conditions of the
Employment, the duration of the Employment, the termination of the Employment and the compensation and benefits to be paid and provided by the Company to the Employee pursuant to the Employment.
Except as otherwise provided herein, this Agreement supersedes the 1996 Agreement and any and all other prior contracts, agreements, plans, agreements in principle, correspondence, letters of intent,
understandings, and negotiations, whether oral or written, concerning the Employment, the terms and conditions of the Employment, the duration of the Employment, the termination of the Employment and
the compensation and benefits to be paid by the Company to the Employee pursuant to the Employment. 

        11.4    Amendments.    No amendment, modification, waiver, or consent relating to this Agreement will be effective
unless and until it is embodied in a written document signed by the Company and by the Employee. 

        11.5    Originals.    This Agreement may be executed by the Company and the Employee in counterparts, each of which
shall be deemed an original and which together shall constitute one instrument. 

        11.6    Headings.    Each and all of the headings contained in this Agreement are for reference purposes only and
shall not in any manner whatsoever affect the construction or interpretation of this Agreement or be deemed a part of this Agreement for any purpose whatsoever. 

        11.7    Savings Provision.    To the extent that any provision of this Agreement or any Paragraph, term, provision,
sentence, phrase, clause or word of this Agreement shall be found to be illegal or unenforceable for any reason, such Paragraph, term, provision, sentence, phrase, clause or word shall be modified or
deleted in such a manner as to make this Agreement, as so 

6

 

modified, legal and enforceable under applicable laws. The remainder of this Agreement shall continue in full force and effect. 

        11.8    Applicable Law.    This Agreement shall be governed in all respects by the laws of the State of California as
such laws are applied to agreements between California residents entered into and to be performed entirely within California. 

        11.9    Construction.    The language of this Agreement and of each and every paragraph, term and provision of this
Agreement shall, in all cases, for any and all purposes, and in any and all circumstances whatsoever be construed as a whole, according to its fair meaning, not strictly for or against the Employee,
the Company, and with no regard whatsoever to the identity or status of any person or persons who drafted all or any portion of this Agreement. 

        11.10    Notices.    Any notices to be given pursuant to this Agreement by either party to the other party may be
effected by personal delivery or by registered or certified mail, postage prepaid with return receipt requested. Mailed notices shall be addressed to the parties at the addresses stated below, but
each party may change its or his address by written notice to the other in accordance with this Paragraph 11.10. Notices delivered personally shall be deemed received on the date of delivery.
Notices delivered by mail shall be deemed received on the third business day after the mailing thereof. 

        Mailed
notices to the Employee shall be addressed as follows: 

	Hussein A. Enan

320 Harcross Road

Woodside, CA 94062

        Mailed
notices to the Company shall be addressed as follows: 

	InsWeb Corporation

901 Marshall Street

Redwood City, CA 94063

Attention: General Counsel

        IN
WITNESS WHEREOF, the Company and the Employee have each duly executed this Agreement as of the date first set forth above. 

	 
	 	 
	 	 

	 	 	INSWEB CORPORATION
	

 	
 	

By:	
 	

/s/  MARIAN C. TAYLOR      

	 	 	Title:	 	SVP, General Counsel and Secretary

	

 	
 	

 	
 	

 
	

 	
 	

/s/  HUSSEIN A. ENAN      
 Hussein A. Enan

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QuickLinks

EMPLOYMENT AGREEMENT

Recitals

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