Document:

Second Amendment to Lease.

 Exhibit 10.14 
  
 SECOND AMENDMENT TO LEASE 
 (5601 Lindero Canyon Road) 
  
 THIS SECOND AMENDMENT TO LEASE (“Second Amendment”) is made and entered into as of the 23rd day of May, 2003, by and between ARDEN REALTY FINANCE PARTNERSHIP, L.P., a California limited partnership
(“Landlord”) and DIGITAL INSIGHT CORPORATION, a Delaware corporation (“Tenant”). 
  
 R E C I T A L S: 
  
 A. Landlord and Tenant entered into that certain Standard Office Lease dated as of March 6, 2000 (the “Original Lease”), as amended by
that certain First Amendment to Standard Office Lease dated as of February 15, 2001 (“First Amendment”), whereby Landlord leased to Tenant and Tenant leased from Landlord certain office space located in that certain building located
and addressed at 5601 Lindero Canyon Road, Westlake Village, California (the “Building”). The Original Lease, as amended by the First Amendment, may be referred to herein as the “Lease”. 
  
 B. By this Second Amendment, Landlord and Tenant desire to extend the Term of
the Lease and to otherwise modify the Lease as provided herein. 
  
 C. Unless otherwise defined herein, capitalized terms as used herein shall have the same meanings as given thereto in the Original Lease. 
  
 NOW, THEREFORE, in consideration of the foregoing recitals and the mutual covenants contained herein, and for other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties hereto hereby agree as follows: 
  
 A G R E E M E N T: 
  
 1. The Premises. Landlord and Tenant hereby agree that pursuant to the Lease, Landlord currently leases to Tenant and Tenant currently leases from
Landlord that certain office space in the Building containing 52,130 rentable square feet located on the first (1st) floor of the Building and known as Suite 100 (the “Premises”), as outlined on Exhibit ”A” to the Original
Lease. 
  
 2. Term. 
  
 2.1. Extended Term. The Expiration Date shall be extended such that
the Lease shall terminate on May 31, 2011 (“New Termination Date”), subject to early termination as provided in Section 2.2 below and subject to extension as provided in Section 9 below. The period from April 8, 2005 through the New
Termination Date specified above, shall be referred to herein as the “Extended Term.” 
  
 2.2. Termination Option. Provided Tenant fully and completely satisfies each of the conditions set forth in this Section 2.2, Tenant shall have the
option (“Termination Option”) to terminate the Lease (as amended by this Second Amendment) effective as of May 31, 2008 (“Termination Date”) only. In order to exercise the Termination Option, Tenant must fully and
completely satisfy each and every one of the following conditions: (a) Tenant must give Landlord written notice (“Termination Notice”) of its exercise of the Termination Option, which Termination Notice must be delivered to Landlord
on or before August 31, 2007, (b) at the time of the Termination Notice, Tenant shall not be in default under the Lease (as amended by this Second Amendment) after notice and expiration of applicable cure periods, and (c) Tenant shall pay to
Landlord a termination fee (“Termination Fee”) in the amount of Seven Hundred Forty-Five Thousand Dollars ($745,000.00). However, if as of the date of the Termination Notice, (1) Landlord has paid to Tenant the Proposition 13
Purchase Price pursuant to Section 5.4 below, then the Termination Fee shall be increased by that portion of the Proposition 13 Purchase Price applicable to the period after the Termination Date, or (2) Tenant 

 has exercised its right of first offer pursuant to Article 32 of the Original Lease (as amended by Section 10 below),
then the Termination Fee shall be increased by the sum of (A) the discounted present value (using a discount factor of ten percent (10%) per annum) of an amount equal to six (6) installments of monthly Basic Rental for the First Offer Space at the
rate which would have been payable by Tenant for the First Offer Space for the first six (6) months after the Termination Date and (B) the unamortized amount, as of the Termination Date, of any out-of-pocket sums expended by Landlord in connection
with any such expansion (including, without limitation, any sums expensed by Landlord to improve the First Offer Space and any brokerage commissions incurred by Landlord in connection with such expansion) with such amortization to be calculated over
an amortization period from the effective date of Tenant’s lease of the First Offer Space until May 31, 2011, based upon equal monthly payments of principal and interest throughout such amortization period, with interest imputed on the
outstanding principal balance at the rate of ten percent (10%) per annum. Fifty percent (50%) of the Termination Fee must be paid by Tenant to Landlord concurrently with Tenant’s delivery of the Termination Notice (as a further condition to
Tenant’s exercise of the Termination Option), and the remaining fifty percent (50%) of the Termination Fee shall be paid by Tenant to Landlord within three (3) months after the date of delivery of the Termination Notice. Tenant’s delivery
of the Termination Fee to Landlord shall not relieve Tenant of its obligation to make all other payments to Landlord due under the Lease (as amended by this Second Amendment) through the Termination Date. Notwithstanding anything contained in this
Section 2.2 to the contrary, in the event Tenant fails to deliver the remaining fifty percent (50%) of the Termination Fee to Landlord within three (3) months after the date of delivery of the Termination Notice, Landlord shall have the option to
either (i) deem the Termination Notice rescinded, in which case the Lease (as amended by this Second Amendment) shall continue in full force and effect for the remainder of the Extended Term and Landlord shall forthwith refund to Tenant the initial
fifty percent (50%) of the Termination Fee previously paid by Tenant less any out-of-pocket expenses Landlord may have incurred in marketing and attempting to lease the Premises to a successor tenant(s) after Landlord’s receipt of Tenant’s
Termination Notice (e.g., advertising costs, costs of printing marketing materials and attorneys fees and space planning costs incurred in connection with potential transactions with a successor tenant(s)), or (ii) deem the Lease (as amended
by this Second Amendment) terminated as of the Termination Date and pursue any remedies Landlord may have against Tenant for failure to pay such portion of the Termination Fee. 
  
 3. Monthly Basic Rental. Notwithstanding anything to the contrary in the Lease, during the Extended Term, Tenant
shall pay, in accordance with the provisions of this Section 3 and subject to abatement pursuant to Section 4 below, monthly Basic Rental for the Premises as follows: 
  

							
	 Period

	  	Monthly Basic Rental

	  	 Monthly Basic Rental Per
 Rentable Square Foot

	 04/08/05 – 05/31/06
	  	$	59,428.20	  	$	1.14
	 06/01/06 – 11/30/08
	  	$	64,641.20	  	$	1.24
	 12/01/08 – 05/31/11
	  	$	69,854.20	  	$	1.34

  
 4. Rental
Abatement. Notwithstanding anything to the contrary contained in the Lease or in this Second Amendment, and provided that Tenant faithfully performs all of the terms and conditions of the Lease, as amended by this Second Amendment, Landlord
hereby agrees to abate Tenant’s obligation to pay monthly Basic Rental from April 8, 2005 through May 31, 2005. During such abatement period, Tenant shall still be responsible for the payment of all of its other monetary obligations under the
Lease, as amended by this Second Amendment. In the event of a default by Tenant under the terms of the Lease, as amended by this Second Amendment, that results in early termination pursuant to the provisions of Article 19 of the Original Lease, then
as a part of the recovery set forth in Article 20 of the Original Lease, Landlord shall be entitled to the recovery of the monthly Basic Rental that was abated under the provisions of this Section 4. 
  
 5. Tax Costs. 
  
 5.1. Reassessment. Notwithstanding anything to the contrary contained
in the Lease, in the event that during the Extended Term, any sale, refinancing, or “change in ownership” (as defined in California Revenue and Taxation Code Section 60, et seq.) of the Real 
  

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 Property is consummated, and as a result thereof, and to the extent that in connection therewith, the Real Property is
reassessed (the “Reassessment”) for real estate tax purposes by the appropriate governmental authority pursuant to the terms of Proposition 13, then the following provisions shall apply to such Reassessment of the Real Property.

  
 5.2. Tax Increase. For purposes of this Section 5, the
term “Tax Increase” shall mean that portion of the Tax Costs, after taking into account the Reassessment, which is attributable solely to the Reassessment. Accordingly, the term Tax Increase shall not include any portion of the Tax
Costs which (i) is attributable to the initial assessment of the value of the Real Property, the Base, Shell and Core of the Building or the tenant improvements located in the Building, (ii) is attributable to assessments which were pending
immediately prior to the Reassessment which assessments were conducted during, and included in, such Reassessment or (iii) is attributable to the annual inflationary increase of real estate taxes permitted to be assessed annually under Proposition
13. 
  
 5.3. Protection. During the period from April 8,
2003 through May 31, 2008, any Tax Increase shall be excluded from Tax Costs. During the period from June 1, 2008 through May 31, 2009, seventy-five percent (75%) of any Tax Increase shall be excluded from Tax Costs. During the period from June 1,
2009 through May 31, 2010, fifty percent (50%) of any Tax Increase shall be excluded from Tax Costs. During the period from June 1, 2010 through the New Termination Date, twenty-five percent (25%) of any Tax Increase shall be excluded from Tax
Costs. 
  
 5.4. Landlord’s Purchase of Protection. The
amount of Tax Costs which Tenant is not obligated to pay or will not be obligated to pay during the Extended Term in connection with a particular Reassessment pursuant to the terms of Section 5.3 above, shall be sometimes referred to hereafter as a
“Proposition 13 Protection Amount.” If the occurrence of a Reassessment is reasonably foreseeable by Landlord and the Proposition 13 Protection Amount attributable to such Reassessment can be reasonably quantified or estimated for
each Lease Year commencing with the Lease Year in which the Reassessment will occur, the terms of this Section 5.4 shall apply to each such Reassessment. Upon notice to Tenant, Landlord shall have the right to purchase the Proposition 13 Protection
Amount relating to the applicable Reassessment (the “Applicable Reassessment”), at any time during the Extended Term, by paying to Tenant an amount equal to the Proposition 13 Purchase Price, as that term is defined below, provided
that the right of any successor of Landlord to exercise its right of repurchase hereunder shall not apply to any Reassessment which results from the event pursuant to which such successor of Landlord became the Landlord under the Lease. As used
herein, “Proposition 13 Purchase Price” shall mean the present value of the Proposition 13 Protection Amount remaining during the Extended Term, as of the date of payment of the Proposition 13 Purchase Price by Landlord. Such
present value shall be calculated (i) by using the portion of the Proposition 13 Protection Amount attributable to each remaining Lease Year (as though the portion of such Proposition 13 Protection Amount benefited Tenant at the end of each Lease
Year), as the amounts to be discounted, and (ii) by using discount rates for each amount to be discounted equal to (A) the prime interest rate, as reported in the Wall Street Journal as of the date of Landlord’s exercise of its right to
purchase, as set forth in this Section 5.4, plus (B) two percent (2%) per annum. Upon such payment of the Proposition 13 Purchase Price, the provisions of Section 5.3 above shall not apply to any Tax Increase attributable to the Applicable
Reassessment. Since Landlord is estimating the Proposition 13 Purchase Price because a Reassessment has not yet occurred, then when such Reassessment occurs, if Landlord has underestimated the Proposition 13 Purchase Price, then upon notice by
Landlord to Tenant, Tenant’s Basic Rental next due shall be credited with the amount of such underestimation, and if Landlord overestimates the Proposition 13 Purchase Price, then upon notice by Landlord to Tenant, Tenant’s Basic Rental
next due shall be increased by the amount of the overestimation. 
  
 6. Condition of the Premises. Except as set forth in Section 7 below, Tenant hereby agrees to accept the Premises in its “as-is” condition. Tenant also acknowledges that Landlord has made no representation or warranty
regarding the condition of the Premises. 
  
 7. Refurbishment
of the Premises. Notwithstanding anything to the contrary contained herein, Tenant shall be entitled to renovate the then-existing tenant improvements in the Premises in accordance with this Section 7. In connection therewith, Tenant shall be
entitled to a one-time tenant refurbishment allowance (the “Refurbishment Allowance”) in the amount of Seven Dollars ($7.00) per rentable square foot of the Premises for the costs relating to the 
  

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 design and construction of renovations to the then-existing tenant improvements in the Premises that are to be
permanently affixed to the Premises (the “Refurbished Improvements”). In no event shall Landlord be obligated to make disbursements under this Section 7 in a total amount which exceeds the Refurbishment Allowance, and in no event
shall Tenant be entitled to any credit for any unused portion of the Refurbishment Allowance (except for the Rent Credit and the Calabasas Allowance as provided in Section 7.2.3 below) not applied by Tenant by December 31, 2006. 
  
 7.1. Refurbishment Allowance Items. The Refurbishment Allowance shall
be disbursed by Landlord for costs incurred to design and construct the Refurbished Improvements (collectively the “Refurbishment Allowance Items”), including without limitation, payment of the fees of the architect and engineer(s)
retained by Tenant (if any), in connection with the preparation of the plans and specifications prepared for the Refurbished Improvements (“Refurbishment Drawings”). In addition, the Refurbishment Allowance Items may include
architectural fees, permit fees, costs of installation of cabling and internal relocation fees (collectively “Soft Costs”); provided, however, that such Soft Costs shall not exceed Three and 50/100 Dollars ($3.50) per rentable
square foot of the Premises. 
  
 7.2. Disbursement of
Refurbishment Allowance. During the construction of the Refurbished Improvements, but not prior to April 8, 2005, Landlord shall make monthly disbursements of the Refurbishment Allowance for Refurbishment Allowance Items as follows: 

 
 7.2.1 Monthly Disbursements. On or before the first day of each
calendar month during the construction of the Refurbished Improvements, Tenant may deliver to Landlord: (i) a request for payment of Tenant’s general contractor (“Contractor”) and such Contractor (if Tenant elects to retain a
general contractor, provided that Tenant must retain a general contractor if Landlord reasonably determines that one is necessary given the scope of the job) shall be subject to Landlord’s prior written approval, which approval shall not be
unreasonably withheld, delayed or conditioned, and which request shall be approved by Tenant, in a form to be provided by Landlord; (ii) invoices from all subcontractors, laborers, materialmen and suppliers (together with the Contractor (if
applicable) “Tenant’s Agents”), for labor rendered and materials delivered to the Premises; and (iii) executed conditional mechanics’ lien releases from all of Tenant’s Agents which shall comply with the appropriate
provisions, as reasonably determined by Landlord, of the California Civil Code. In addition, Tenant shall deliver to Landlord a copy of Tenant’s construction contract with the Contractor or a schedule of values for the construction job
indicating a breakdown by trade. Within thirty (30) days after the later of Landlord’s receipt of all the information listed in this Section 7.2.1 above or April 8, 2005, Landlord shall deliver a check payable jointly to Tenant and
Tenant’s Agents in payment of the lesser of: (A) the amounts so requested by Tenant, as set forth in this Section 7.2.1 above, less a ten percent (10%) retention (the aggregate amount of such retentions to be known as the “Final
Retention”), and (B) the balance of any remaining available portion of the Refurbishment Allowance (not including the Final Retention), provided that Landlord, in its exercise of its commercially reasonable judgment, does not dispute any
request for payment based on non-compliance of any work with the Refurbishment Drawings or due to any substandard work. Landlord’s payment of such amounts shall not be deemed Landlord’s approval or acceptance of the work furnished or
materials supplied as set forth in Tenant’s payment request. Notwithstanding the foregoing, if the applicable construction contract does not provide for a Final Retention, then Landlord shall not withhold a retention from the amount of such
payments to Tenant and subsection 7.2.1(A) above shall not apply. 
  
 7.2.2 Final Retention. Subject to the provisions of this Tenant Work Letter, a check for the Final Retention (if applicable as described in the last sentence of Section 7.2.1 above) payable to Tenant (or, at Tenant’s option,
jointly to Tenant and Tenant’s Agents) shall be delivered by Landlord to Tenant following the completion of the construction of the Refurbished Improvements (but not prior to April 8, 2005), provided that (i) Tenant delivers to Landlord
properly executed unconditional mechanics’ lien releases in compliance with both California Civil Code Section 3262(d)(2) and either Section 3262(d)(3) or Section 3262(d)(4), (ii) Landlord has determined that no substandard work exists which
adversely affects the mechanical, electrical, plumbing, heating, ventilating and air conditioning, life-safety or other systems of the Building, the curtain wall of the Building, the structure or exterior appearance of the Building, or any other
tenant’s use of such tenant’s leased premises in the Building and (iii) the architect delivers to Landlord a certificate, in a form reasonably acceptable to Landlord, certifying that the construction of the Refurbished Improvements in the
Premises has been substantially completed. 
  

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 7.2.3 Unused Allowance. Except as provided below in this Section 7, Landlord shall only be
obligated to make disbursements from the Refurbishment Allowance to the extent costs are incurred by Tenant for Refurbishment Allowance Items. All Refurbishment Allowance Items for which the Refurbishment Allowance has been made available shall be
deemed Landlord’s property. Notwithstanding the foregoing, if Tenant uses less than the entire amount of the Refurbishment Allowance for Refurbishment Allowance Items, then Tenant may request, by providing written notice (“Request
Notice”) to Landlord at any time after January 1, 2006 but no later than December 31, 2006, an amount (“Rent Credit”) equal to the lesser of the following amounts: (A) the remaining portion of the Refurbishment Allowance
and (B) an amount equal to Three and 50/100 Dollars ($3.50) per rentable square foot of the Premises. If Tenant timely delivers a Request Notice, the Rent Credit will be proportionately applied in equal amounts as a credit to Tenant’s monthly
Basic Rental obligation for twenty-four (24) months, commencing with the first day of the month following Landlord’s receipt of the Request Notice. In addition, Tenant shall have the option in the Request Notice, to the extent such amount is
available as a part of the Rent Credit, to request that up to Two Dollars ($2.00) per rentable square foot of the Premises (“Calabasas Allowance”) be added to Tenant’s refurbishment allowance for permanently affixed
improvements under the Calabasas Amendment (as defined in Section 8 below), in which case the Calabasas Allowance shall be deducted from the Rent Credit. If Tenant timely requests the Calabasas Allowance in the Request Notice, the disbursement of
the Calabasas Allowance will be governed by the terms and conditions of the Calabasas Amendment. Upon request from Landlord, Tenant shall execute commercially reasonable documentation regarding the application of the Rent Credit and/or the Calabasas
Allowance. 
  
 7.2.4 Other Terms. All drafts of the
Refurbishment Drawings shall be subject to Landlord’s prior written approval, which approval shall not be unreasonably withheld, delayed or conditioned. In addition, all of Tenant’s Agents shall be subject to Landlord’s prior written
approval (which approval shall not be unreasonably withheld, delayed or conditioned), except that subcontractors of Landlord’s selection shall be retained by the Contractor to perform all lifesafety, mechanical, electrical, plumbing, structural
and heating, ventilation and air conditioning work, provided that (i) the pricing from the aforementioned subcontractors is competitive, and (ii) Landlord shall not be entitled to designate the subcontractor retained to change or modify lighting
fixtures, ballasts and bulbs. Landlord shall not impose a coordination fee for Landlord’s review and supervision of the construction of the Refurbished Improvements, unless due to extraordinary requirements (e.g., structural requirements
requiring review by a structural engineer) Landlord deems it necessary to hire outside experts for such review and supervision, in which case, Landlord’s out-of-pocket costs only, without mark-up, for such outside experts will be deducted from
the Refurbishment Allowance. Except as expressly provided in this Section 7, the terms and conditions of Article 9 of the Original Lease shall apply to the Refurbished Improvements and Tenant’s construction thereof. 
  
 7.3. No Constructive Eviction; No Rent Abatement. Tenant acknowledges
that the work to be performed by Tenant pursuant to this Section 7 above shall be performed during the Extended Term, that Tenant shall be entitled to (but shall not be obligated to) conduct business throughout the course of construction of such
renovations and that Tenant shall not be entitled to any abatement of rent (except as provided in Section 7.2.3 above), nor shall Tenant be deemed to be constructively evicted from the Premises, as a result of the construction of such renovations.

  
 8. Contingency. This Second Amendment is expressly
contingent upon consummation of a Lease Amendment (“Calabasas Amendment”) extending the term (so that it is coterminous with the Extended Term) for that certain office space currently leased by Tenant at 26025 Mureau Road,
Calabasas, California, pursuant to that certain Standard Office Lease dated August 4, 1997, as amended (as so amended, the “Calabasas Lease”) by and between Arden Realty Finance III, L.L.C. (an Affiliate of Landlord) and Tenant
(“Contingent Transaction”). In the event that Arden Realty Finance III, L.L.C. and Tenant do not consummate the Contingent Transaction, this Second Amendment shall be null and void. Landlord agrees that Landlord shall not execute
and deliver this Second Amendment to Tenant unless Landlord also executes and delivers to Tenant the Calabasas Amendment. 
  

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 9. Option to Extend. Tenant shall retain the right to further extend the Extended Term for an
additional five (5) year period pursuant to the terms of, and subject to, Article 31 of the Original Lease; provided, however, that (a) all references contained in Article 31 of the Original Lease to the initial Lease Term shall be revised to the
Extended Term, (b) the first sentence of Section 31(a) of the Original Lease is revised so that Tenant has one (1) option to extend the Extended Term, (c) the second sentence of Section 31(a) of the Original Lease is hereby deleted, (d) the phrase
“ninety-five percent (95%) of” is inserted after the word “to” in the first sentence of Section 31(b) of the Original Lease and (e) all references contained in Article 31 of the Original Lease to the “first Option Term”
are hereby deleted. 
  
 10. Right of First Offer. Tenant
shall retain its right of first offer during the Extended Term pursuant to the terms of, and subject to, Article 32 of the Original Lease; provided, however, that (a) all references contained in Article 32 of the Original Lease to the initial Lease
Term shall be revised to the Extended Term and (b) all references contained in Article 32 of the Original Lease to the phrase “(or first Option Term, as applicable)” are hereby deleted. 
  
 11. Signage. Subject to this Section 11 and Article 33 of the Original
Lease, and provided that Tenant is not in default under the Lease, as amended, after any applicable notice and cure period, Tenant shall have the right, at Tenant’s sole cost and expense, to maintain Tenant’s Signage throughout the
Extended Term. Notwithstanding anything to the contrary contained in the Lease or this Second Amendment, in the event that at any time during the Extended Term (or the Option Term, if applicable), Tenant fails to occupy at least 15,000 rentable
square feet in the Building, Tenant’s right to Tenant’s Signage shall thereupon terminate and Tenant shall be responsible for the costs of removal of Tenant’s Signage as provided in Section 33(c) of the Original Lease. In addition, in
the event that at any time during the Extended Term (or the Option Term, if applicable), Tenant fails to occupy at least 30,000 rentable square feet in the Building, Tenant’s right to the Building-top signage shall thereupon terminate and
Tenant shall be responsible for the costs of removal of the Building-top signage as provided in Section 33(c) of the Original Lease. 
  
 12. Brokers. Each party represents and warrants to the other that no broker, agent or finder negotiated or was instrumental in negotiating or
consummating this Second Amendment, other than The Staubach Company-Los Angeles, Inc. Each party further agrees to defend, indemnify and hold harmless the other party from and against any claim for commission or finder’s fee by any entity who
claims or alleges that they were retained or engaged by the first party or at the request of such party in connection with this Second Amendment. 
  
 13. Defaults. Tenant hereby represents and warrants to Landlord that, as of the date of this Second Amendment, Tenant is in full compliance with
all terms, covenants and conditions of the Lease and that there are no breaches or defaults under the Lease by Landlord or Tenant, and that Tenant knows of no events or circumstances which, given the passage of time, would constitute a default under
the Lease by either Landlord or Tenant. 
  
 14. No Further
Modification. Except as set forth in this Second Amendment, all of the terms and provisions of the Lease shall apply during the Extended Term and shall remain unmodified and in full force and effect. Effective as of the date hereof, all
references to the “Lease” shall refer to the Lease as amended by this Second Amendment. 
  
 15. Additional Exclusions to Operating Costs. In addition to the exclusions to Operating Cost noted in Article 3(c)(ii) of the Original Lease,
Operating Costs shall not include the following: (1) Costs associated with the operation of the business of the ownership or entity which constitutes “Landlord”, as distinguished from the costs of Building operations, including, but not
limited to, partnership accounting and legal matters, costs of defending any lawsuits with any mortgagee (except as the actions of Tenant may be in issue), costs of selling, syndicating, financing, mortgaging or hypothecating any of Landlord’s
interests in the Building, costs of any disputes between Landlord and its employees (if any) not engaged in Building operation, disputes of Landlord with Building management, or outside fees paid in connection with disputes with other tenants; (2)
Costs incurred in connection with the construction of the Building or in connection with any major voluntary change in the Building, including but not limited to correcting defects in or inadequacy of the initial design or construction of the
Building; (3) Costs associated with replacement and/or capital repairs to the roof; (4) Expenses directly resulting from the gross negligence of Landlord, its agents, servants or employees; (5) Legal fees, space planners’ fees and advertising
expenses; (6) Any bad debt loss, rent loss, or reserves for bad 
  

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 debts or rent loss; (7) Fines, penalties, and interest (other than interest on the amortization of those capital items
includable in Operating Costs pursuant to the Lease); (8) Amounts paid as ground rental by Landlord; (9) Rentals and other related expenses incurred in leasing air conditioning systems, elevators or other equipment ordinarily considered to be of a
capital nature, except equipment not affixed to the Building which is used in providing janitorial or similar services; and (10) Electric power costs for which any tenant directly contracts with the local public service company. 
  
 16. Damage or Destruction. Effective as of the date of this Second
Amendment, Article 16 of the Original Lease shall be deleted and the following shall be substituted: 
  
 Within sixty (60) days after the date Landlord learns of the necessity for repairs as a result of damage, Landlord shall notify Tenant (“Damage
Repair Estimate”) of Landlord’s estimated assessment of the period of time in which the repairs will be completed. If the Project is damaged by fire or other insured casualty and the insurance proceeds have been made available therefor
by the holder or holders of any mortgages or deeds of trust covering the Premises or the Project, the damage shall be repaired by Landlord to the extent such insurance proceeds are available therefor and provided the Damage Repair Estimate indicates
that repairs can be completed within one hundred eighty (180) days after the necessity for repairs as a result of such damage becomes known to Landlord, without the payment of overtime or other premiums, and until such repairs are completed rent
shall be abated in proportion to the part of the Premises which is unusable by Tenant in the conduct of its business (but there shall be no abatement of rent by reason of any portion of the Premises being unusable for a period equal to one (1) day
or less). However, (a) if the portion of the Premises which is usable by Tenant in the conduct of its business is not sufficient to allow Tenant to effectively conduct its business therein, and if Tenant does not conduct its business from such
remaining portion, then rent for the entire Premises shall be abated until such repairs are completed, and (b) notwithstanding anything to the contrary contained herein, if the damage is due to the fault or neglect of Tenant, its employees, agents,
contractors, guests, invitees and the like, there shall be no abatement of rent, unless and to the extent Landlord receives rental income insurance proceeds. Upon the occurrence of any damage to the Premises, Tenant shall assign to Landlord (or to
any party designated by Landlord) all insurance proceeds payable to Tenant under Section 14(a)(ii)(A) above; provided, however, that if the cost of repair of improvements within the Premises by Landlord exceeds the amount of insurance proceeds
received by Landlord from Tenant’s insurance carrier, as so assigned by Tenant, such excess costs shall be paid by Tenant to Landlord prior to Landlord’s repair of such damage. If, however, the Damage Repair Estimate indicates that repairs
cannot be completed within one hundred eighty (180) days after the necessity for repairs as a result of such damage becomes known to Landlord without the payment of overtime or other premiums, Landlord may, at its option, either (i) make such
repairs in a reasonable time and in such event this Lease shall continue in effect and the rent shall be abated, if at all, in the manner provided in this Article 16, or (ii) elect not to effect such repairs and instead terminate this Lease, by
notifying Tenant in writing of such termination within sixty (60) days after Landlord learns of the necessity for repairs as a result of damage, such notice to include a termination date giving Tenant sixty (60) days to vacate the Premises. In
addition, Landlord may elect to terminate this Lease if the Project shall be damaged by fire or other casualty or cause, whether or not the Premises are affected, if the damage is not fully covered, except for deductible amounts, by Landlord’s
insurance policies. However, if Landlord does not elect to terminate this Lease pursuant to Landlord’s termination right as provided above, and the Damage Repair Estimate indicates that repairs cannot be completed within one hundred eighty
(180) days after being commenced, Tenant may elect, not later than thirty (30) days after Tenant’s receipt of the Damage Repair Estimate, to terminate this Lease by written notice to Landlord effective as of the date specified in Tenant’s
notice. Finally, if the Premises or the Project is damaged to any substantial extent during the last twelve (12) months of the Term, then notwithstanding anything contained in this Article 16 to the contrary, Landlord shall have the option to
terminate this Lease by giving written notice to Tenant of the exercise of such option within sixty (60) days after Landlord learns of the necessity for repairs as the result of such damage; provided, however, that Landlord shall not have such
option if Tenant, at the time of such damage, has an express option to extend the Term, and Tenant exercises such option by written notice to Landlord in accordance with the terms and conditions of Article 31 hereof (as amended by Section 9 of the
Second Amendment), within twenty (20) days following Tenant’s receipt of Landlord’s notice of termination. A total destruction of the Project shall automatically terminate this Lease. Except as provided in this Article 16, there shall be
no abatement of rent 
  

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 and no liability of Landlord by reason of any injury to or interference with Tenant’s business or property arising
from such damage or destruction or the making of any repairs, alterations or improvements in or to any portion of the Project or the Premises or in or to fixtures, appurtenances and equipment therein. Tenant understands that Landlord will not carry
insurance of any kind on Tenant’s furniture, furnishings, trade fixtures or equipment, and that Landlord shall not be obligated to repair any damage thereto or replace the same. Except for proceeds relating to Tenant’s furniture,
furnishings, trade fixtures and equipment, Tenant acknowledges that Tenant shall have no right to any proceeds of insurance carried by Landlord relating to property damage. With respect to any damage which Landlord is obligated to repair or elects
to repair, Tenant, as a material inducement to Landlord entering into this Lease, irrevocably waives and releases its rights under the provisions of Sections 1932 and 1933 of the California Civil Code. If the Lease is terminated pursuant to the
provisions of this Article 16, effective as of the date of termination, neither party shall have any further obligation to the other. 
  
 17. Interruption of Utilities or Building Services. An “Abatement Event” shall be defined as an event that prevents Tenant from
using the Premises or any portion thereof, as a result of any failure to provide services or access to the Premises, where (i) Tenant does not actually use the Premises or such portion thereof, and (ii) such event is not caused by “Force
Majeure” (as that term is defined in the Lease) or by the negligence or willful misconduct of Tenant, its agents, employees or contractors. Tenant shall give Landlord notice (“Abatement Notice”) of any such Abatement Event, and
if such Abatement Event continues beyond the “Eligibility Period” (as that term is defined below), then the Basic Rental and Tenant’s Proportionate Share of Direct Costs shall be abated entirely or reduced, as the case may be, after
expiration of the Eligibility Period for such time that Tenant continues to be so prevented from using, and does not use, the Premises or a portion thereof, in the proportion that the rentable area of the portion of the Premises that Tenant is
prevented from using, and does not use, bears to the total rentable area of the Premises; provided, however, in the event that Tenant is prevented from using, and does not use, a portion of the Premises for a period of time in excess of the
Eligibility Period and the remaining portion of the Premises is not sufficient to allow Tenant to effectively conduct its business therein, and if Tenant does not conduct its business from such remaining portion, then for such time after expiration
of the Eligibility Period during which Tenant is so prevented from effectively conducting its business therein, the Basic Rental and Tenant’s Proportionate Share of Direct Costs for the entire Premises shall be abated entirely for such time as
Tenant continues to be so prevented from using, and does not use, the Premises. If, however, Tenant reoccupies any portion of the Premises during such period, the Basic Rental and Tenant’s Proportionate Share of Direct Costs and Tenant’s
obligation to pay for parking allocable to such reoccupied portion, based on the proportion that the rentable area of such reoccupied portion of the Premises bears to the total rentable area of the Premises, shall be payable by Tenant from the date
Tenant reoccupies such portion of the Premises. The term “Eligibility Period” shall mean a period of three (3) consecutive days after Landlord’s receipt of any Abatement Notice(s). 
  
 18. Indemnification. Effective as of the date of this Second
Amendment, the following shall be added after the first sentence of Section 13(a) of the Original Lease: “However, notwithstanding the foregoing, Tenant shall not be required to indemnify and/or hold Landlord harmless from any loss, cost,
liability, damage or expense, including, but not limited to, penalties, fines, attorneys’ fees or costs (collectively, “Claims”), to any person, property or entity to the extent resulting from the negligence or willful
misconduct of Landlord or its agents, contractors, or employees (except for damage to the Tenant Improvements and Tenant’s personal property, fixtures, furniture and equipment in the Premises in which case Tenant shall be responsible to the
extent Tenant is required to obtain the requisite insurance coverage pursuant to this Lease). Landlord hereby indemnifies Tenant and holds Tenant harmless from any Claims to the extent resulting from the negligence or willful misconduct of Landlord
or its agents, contractors or employees and not covered by insurance required to be carried under this Lease by Tenant or actually carried by Tenant; provided, however, that (i) because Landlord maintains insurance on the Project and Tenant
compensates Landlord for such insurance as part of Tenant’s Proportionate Share of Direct Costs and because of the existence of waivers of subrogation set forth in Article 14 of this Lease, Landlord hereby indemnifies and holds Tenant harmless
from any Claims to any property outside of the Premises to the extent such Claim is covered by such insurance, even if resulting from the negligent acts, omissions, or willful misconduct of Tenant or those of its agents, contractors, or employees,
and (ii) because Tenant must carry insurance pursuant to Article 14 to cover its personal property within the Premises and the Tenant Improvements, Tenant hereby indemnifies and holds Landlord harmless from any Claim to any 
  

 -8- 

 property within the Premises, to the extent such Claim is covered by such insurance, even if resulting from the negligent
acts, omissions or willful misconduct of Landlord or those of its agents, contractors, or employees.” 
  
 19. Representations and Warranties of Landlord. Landlord represents and warrants to Tenant that (a) Landlord has full power and authority and right
to execute and deliver this Second Amendment and does not require the consent of any other party (including, but not limited to, any lender having a lien encumbering the Building) to execute and deliver this Second Amendment (or if such consent is
required, it has been obtained), and (b) the individual signing this Second Amendment on behalf of Landlord has the full power and authority to execute this Second Amendment on behalf of Landlord. 
  
 20. Representations and Warranties of Tenant. Tenant represents and
warrants to Landlord that (a) Tenant has full power and authority and right to execute and deliver this Second Amendment and does not require the consent of any other party to execute and deliver this Second Amendment, and (b) the individual signing
this Second Amendment on behalf of Tenant has the full power and authority to execute this Second Amendment on behalf of Tenant. 
  
 IN WITNESS WHEREOF, this Second Amendment has been executed as of the day and year first above written. 
  

					
	 “LANDLORD”
	 	 ARDEN REALTY FINANCE PARTNERSHIP, L.P.,
 a California limited partnership

			
	 	 	 By:
	 	 ARDEN REALTY FINANCE, INC.,
 a California corporation

	 	 	 Its:
	 	 Sole General Partner

			
	 	 	 By:
	 	 /s/ Robert C. Peddicord

	 	 	 Its:
	 	 Senior Vice President Leasing and Operations

		
	 “TENANT”
	 	 DIGITAL INSIGHT CORPORATION,
 a Delaware corporation

			
	 	 	 By:
	 	 /s/ Elizabeth S.C.S. Murray

	 	 	 Print Name:
	 	 Elizabeth S.C.S. Murray

	 	 	 Title:
	 	 Executive Vice President, Chief Financial Officer

			
	 	 	 By:
	 	  

	 	 	 Print Name:
	 	  

	 	 	 Title:
	 	  

  

 -9-First Amendment to Credit Agreement.

 Exhibit 10.18 
  
 FIRST AMENDMENT TO CREDIT AGREEMENT 
  
 This First Amendment to Credit Agreement is entered into as of October 31, 2003, by and between Digital Insight
Corporation, a Delaware corporation, (“Borrower”) and City National Bank, a national banking association (“CNB”). 
  
 RECITALS 
  
 A. Borrower and CNB are parties to that certain Credit Agreement, dated as of October 25, 2002 (the Credit Agreement, as herein amended, hereinafter the
“Credit Agreement”). 
  
 B. Borrower and CNB desire to
supplement and amend the Credit Agreement as hereinafter set forth. 
  
 NOW,
THEREFORE, the parties agree as follows: 
  

	1.	Definitions. Capitalized terms used in this Amendment without definition shall have the meanings set forth in the Credit Agreement. 

  

	2.	Amendments. The Credit Agreement is amended as follows: 

  

	 	2.1	The definition of Termination Date in the Credit Agreement is stricken and replaced with the following: 

  
 ““Termination Date” shall be three hundred and sixty
four (364) days after each condition set forth in Section 4 of this Amendment has been satisfied, but in no event later than October 31, 2004, unless the Revolving Credit Commitment is renewed for an additional term by CNB giving Borrower prior
written notice of such renewal, in which event the Termination Date will mean the renewed maturity date of the Revolving Credit Commitment set forth in the notice. Notwithstanding the foregoing, CNB may, at its option, terminate this Agreement
pursuant to Section 8.3; the date of any such termination will become the Termination Date as that term is used in this Agreement.” 
  

	 	2.2	Section 2.2.1 (Interest on Revolving Credit Loans) is stricken and replaced with the following: 

  
 “2.2.1 Interest on Revolving Credit Loans. Each Revolving Credit Loan will bear interest from disbursement until
repaid or due (whether at stated maturity, by acceleration or otherwise) at a rate equal to, at Borrower’s option, either (a) for a LIBOR Revolving Loan, the LIBOR Interest Rate plus one and three quarters percent (1 3/4%) per annum, or (b) for a Prime Revolving Loan, the fluctuating Prime Rate per annum. 

 “Interest on the Revolving Credit Loans will accrue daily and be payable (a) if a Prime Revolving
Loan, monthly, in arrears, on the last day of each month, commencing on the first such date following disbursement; (b) if a LIBOR Revolving Loan, (i) at the same time as interest payments are due on Prime Revolving Loans, (ii) on the last day of
each Interest Period, and (iii) upon any prepayment of any LIBOR Revolving Loan (to the extent accrued on the amount prepaid); (c) on the date a Prime Revolving Loan is converted to a LIBOR Revolving Loan; and (d) at the Termination Date. A
Revolving Credit Loan tied to the LIBOR Interest Rate is called a “LIBOR Revolving Loan,” and a Revolving Credit Loan tied to the Prime Rate is called a “Prime Revolving Loan.” A Revolving Credit Loan will be a Prime Revolving
Loan any time it is not a LIBOR Revolving Loan.” 
  

	 	2.3	Section 5.2.3 is stricken and replaced with the following: 

  
 5.2.3 Prior to the consummation of an acquisition, a proforma statement as to Borrower’s compliance with the financial covenants set forth in
Section 5.9, below, where such acquisition, when added to other acquisitions during the calendar year, is valued at more than Thirty Million Dollars ($30,000,000.00) on a Cash Purchase Basis. Cash Purchase Basis is defined as the aggregate of cash
consideration, assumed funded debt and the value of stock issued as consideration at the time of announcement of the acquisition. 
  

	 	2.4	Section 5.2.5 is stricken in its entirety. 

  

	 	2.5	Section 6.8 (Mergers and Acquisitions) is stricken and replaced with the following: 

  
 “Mergers and Acquisitions. Enter into any merger or consolidation, or acquire all or substantially all the
assets of any Person, except (a) a Subsidiary may be merged into or consolidated with another Subsidiary or with Borrower, (b) not exceeding $30,000,000.00, on a Cash Purchase Basis, in the aggregate during any calendar year; and (c) acquisitions
during any calendar year where prior to such acquisition, Borrower supplies the information set forth in Section 5.2.3, demonstrating that such acquisition will not result in a Potential Event of Default or Event of Default.” 
  

 2 

	3.	Existing Agreement. Except as expressly amended herein, the Credit Agreement shall remain in full force and effect, and in all other respects is affirmed.

  

	4.	Conditions Precedent. This Amendment shall become effective upon the fulfillment of all of the following conditions to CNB’s satisfaction: 

  

	 	4.1	CNB shall have received this Amendment duly executed by Borrower; and 

  

	 	4.2	CNB shall have received a renewal Fee for the period equal to $25,000. 

  

	5.	Counterparts. This Amendment may be executed in any number of counterparts, and all such counterparts taken together shall be deemed to constitute one and the same
instrument. 

  

	6.	Governing Law. This Amendment and the rights and obligations of the parties hereto shall be construed in accordance with, and governed by the laws of the State of California.

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

					
	 “Borrower”
	 	Digital Insight Corporation, a
Delaware corporation
			
	 	 	By:	  	 /s/ Elizabeth Murray

	 	 	 	  	 Elizabeth Murray, Executive Vice President, and

	 	 	 	  	 Chief Financial Officer

		
	 “CNB”
	 	City National Bank, a
national banking association
			
	 	 	By:	  	 /s/ Sajeda Simjee

	 	 	 	  	 Sajeda Simjee, Vice President

  

 3

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