Document:

<PAGE>   1

                                                                    EXHIBIT 10.6

                       AMENDMENT NO. 1 TO PROMISSORY NOTE

     AMENDMENT NO. 1 dated August 13, 2001 (this "Amended Promissory Note") to
Promissory Note made July 27, 2001 in the original principal amount of $100,000
(the "Original Promissory Note") by Ampersand Medical Corporation, a Delaware
corporation with offices at 414 N. Orleans, Suite 510, Chicago, IL 60610
("Ampersand"), in favor of AccuMed International, Inc., a Delaware corporation
with offices as 920 N. Franklin St., Ste. 402, Chicago, IL 60610 ("AccuMed").

     WHEREAS, pursuant to the Original Promissory Note, Ampersand was required
to repay the $100,000 principal amount with interest computed at a rate of 12%
per annum on or before August 3, 2001; and

     WHEREAS, Ampersand and AccuMed desire to extend to August 28, 2001 the date
on which such principal and interest (accrued through the actual repayment date)
on the terms set forth herein;

     NOW THEREFORE, in consideration of the premises and promises set forth
herein and for other good and valuable consideration the receipt and adequacy of
which is hereby acknowledged, the parties hereto agree as follows.

     1. Ampersand shall pay AccuMed $100,000.00 principal together will accrued
interest calculated at 12% per annum from July 27, 2001 through the repayment
date on or before August 28, 2001.

     2. Such payment shall be made by wire transfer of immediately available
funds to the bank account designated by AccuMed.

     3. If Ampersand fails to pay such principal and interest by 5:00pm Chicago
time on July 27, 2001, Ampersand shall be thereafter in default ("Default")
without notice or presentment or any other action required by AccuMed; there
will be no grace or cure period.

     4. If Ampersand is in default: (i) the dollar amount of principal and
interest due but not paid by Ampersand to AccuMed shall be immediately offset
against amounts that AccuMed owes Ampersand pursuant to the Secured Promissory
Note made February 7, 2001 by AccuMed in favor of Ampersand in the original
principal amount of $800,000 (the "February Note"), (ii) Ampersand's security
interest shall automatically be released as to the AcCell units listed as
numbers 1 through 25 on Schedule A to the Security Agreement dated as of
February 7, 2001 between AccuMed and Ampersand, (iii) Ampersand will file with
the Illinois Secretary of State, within two business days, a UCC-3 Termination
Statement recording the release of Ampersand's security interest in such 25
AcCell units which are listed as numbers 1 through 25 on Exhibit A to the UCC-1
Financing Statement recorded as filed with such Secretary of State on February
16, 2001 by AccuMed as the debtor for the benefit of Ampersand as the secured
party, and (iv) Ampersand shall promptly make any other filings or
acknowledgments reasonably requested by AccuMed to demonstrate the release of
Ampersand's security interest in the 25 AcCell units.

     5. The $10,000 cash consideration for AccuMed making the $100,000 loan
evidenced by the

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<PAGE>   2

Original Promissory Note shall remain due and payable by Ampersand on or before
August 31, 2001, such payment shall be made by wire transfer of immediately
available funds. If such payment is not made by 5:00 p.m. Chicago time on August
31, 2001, $10,000 shall be automatically offset against amounts that AccuMed
owes Ampersand under the February Note.

     IN WITNESS WHEREOF, Ampersand has caused this Amended Promissory Note to be
duly executed by its authorized officer as of the date first above written.

                                          AMPERSAND MEDICAL CORPORATION

                                          By: /s/ LEONARD R. PRANGE
                                              ---------------------------------
                                              Leonard R. Prange, President and
                                              Chief Financial Officer

Accepted and Agreed:
ACCUMED INTERNATIONAL, INC.

By:  /s/ PAUL F. LAVALLEE
    ------------------------------
    Paul F. Lavallee, Chairman and
    Chief Executive Officer

                                        2EQUITY MARKETING, INC.

EXHIBIT 10.0

AMENDMENT TO

EQUITY MARKETING, INC.

2000 STOCK OPTION PLAN

     WHEREAS, Equity Marketing, Inc., a Delaware corporation (the “Company”),
has properly adopted and currently maintains the Equity Marketing, Inc. 2000
Stock Option Plan (the “Plan”) to foster the Company’s ability to attract,
retain and motivate those individuals who will be largely responsible for the
profitability and long-term future growth of the Company;

     WHEREAS, the Company now desires to amend the Plan to (i) establish
provisions providing for the paperless exercise of Options and (ii) clarify the
Committee’s discretion to establish the terms and restrictions of shares of
Restricted Stock that may be awarded under the Plan; and

     WHEREAS, the Company, by action of the Board, has reserved the right to
amend the Plan pursuant to Section 8 thereof.

     NOW, THEREFORE, pursuant to the authority granted to the Company, the Plan
is hereby amended as follows:

	1.	 	Amendment to Section 5.

		
	 	     Section 5 of the Plan is hereby amended by adding the following new
Section 5(g) thereto:

		
	 	     (g) Paperless Exercise. In the event that the Company
establishes, for itself or using the services of a third party, an
automated system for the exercise of Options, such as a system
using an internet website or interactive voice response, then the
paperless exercise of Options by Participants may be permitted
through the use of such an automated system.

	2.	 	Amendment to Section 12(b).

		
	 	     Section 12(b) of the Plan is hereby amended in its entirety by
substituting the following therefor:

		
	 	     (b) Restricted Stock. Unless otherwise determined by the
Committee, a Participant shall forfeit to the Company all
non-vested shares of Restricted Stock upon termination of such
Participant’s employment with the Company for any reason.

	3.	 	Effective Date.

 

		
	 	     This Amendment shall become effective upon its adoption by the Board
(the “Effective Date”).

	4.	 	Construction of Amendment.

		
	 	     All of the provisions of this Amendment shall be deemed to be and
construed as part of the Plan as of the Effective Date.

	5.	 	The Plan.

		
	 	     Except as provided herein, the Plan shall continue in full force and
effect. Unless otherwise defined herein, defined terms used but not defined
herein shall have the meaning ascribed to them in the Plan.<PAGE>   1

                                                                   EXHIBIT 10.44

                              EMPLOYMENT AGREEMENT

      THIS EMPLOYMENT AGREEMENT (the "Agreement") is entered into this 11th day
of June, 2001 (the "Effective Date"), by and between John Hashman ("Employee")
and NextCard, Inc., a Delaware corporation (the "Company").

      THE PARTIES HERETO AGREE AS FOLLOWS:

      1.    Employment and Duties. The Company agrees to employ Employee as its
Chief Executive Officer and Employee agrees to serve the Company in such
capacity, with the authority and responsibilities customarily accorded a chief
executive officer, including without limitation those set forth in the Company's
Bylaws, except as expressly provided herein. Employee shall loyally and
conscientiously perform such services and duties as are customarily incident to
such employment. Employee agrees to devote substantially all of his normal
business time and efforts to the performance of his duties under this Agreement
(which will include making himself available to serve on the Board of Directors
of the Company and on the Boards of Directors of direct and indirect
subsidiaries of the Company, if so selected to serve, and also to serve as an
officer of direct and indirect subsidiaries of the Company), provided that the
devotion of time to personal investments or other personal matters will not be
deemed a breach of this Agreement if it does not substantially interfere with
the performance of Employee's duties hereunder. Employee shall duly and
faithfully perform and observe any and all rules and regulations which the
Company (including its direct and indirect subsidiaries as relevant) has
established governing the conduct of its business or its employees. Employee's
reporting relationship shall be as follows: (a) until the "Breakeven Date" (as
defined below), for so long as the Board of Directors of the Company maintains
an Executive Committee (whether or not a subcommittee of the Board), Employee
will report to the Chairman of the Executive Committee; and (b) at all other
times, Employee will report to the Company's Board of Directors.

      2.    Certain Definitions. For the purposes hereof:

            a.    "Breakeven Date" will mean the end of the first calendar month
immediately following the first calendar quarter in which the Company (on a
consolidated basis) achieves positive Net Income (i.e. net income after tax as
reflected in the Company's published financial statements prepared in accordance
with generally accepted accounting principles as applied in the Company's
audited financial statements). In the event of any dispute concerning the
computation of Net Income, the determinations of the Company's auditors will be
final and conclusive.

            b.    "Cause" will mean (i) Employee has intentionally engaged in
competition with the Company (and/or its direct and indirect subsidiaries),
committed an act of embezzlement, fraud or theft with respect to the property of
the Company (and/or

                                      -1-
<PAGE>   2

its direct and indirect subsidiaries), deliberately disregarded the rules of the
Company (and/or its direct and indirect subsidiaries) or acted in a grossly
negligent manner with respect to the business or affairs of the Company (and/or
its direct and indirect subsidiaries), (ii) Employee has repeatedly abused
alcohol or drugs on the job or in a manner affecting his job performance, (iii)
Employee has been charged with commission of a felony offense; or (iv) Employee
remains in material willful breach of a material provision of this Agreement (or
any other agreement between Employee and the Company (and/or its direct and
indirect subsidiaries)) or of any fiduciary duty to the Company for fourteen
(14) days after receiving notice of such breach from the Company.

            c.    "Disability" shall mean a physical or mental condition,
verified by a physician mutually designated by the Company and Employee, which
has prevented or likely will prevent Employee from carrying out one or more of
the material aspects of his assigned duties for at least one hundred eighty
(180) consecutive days.

            d.    "Good Reason" will mean: (i) a materially adverse change in
Employee's responsibilities with the Company; (ii) a reduction by the Company in
Employee's base salary (other than as part of an Approved Salary Reduction as
defined below); (iii) the Company's requiring Employee to be based in excess of
50 miles from the Company's present executive offices located in San Francisco,
California; (iv) failure of the Company to provide support, information,
assistance and staffing reasonably appropriate for Employee to carry out
Employee's duties (other than an across-the-board reduction approved by the
Board of Directors in good faith which generally affects executives
substantially the same); (v) the failure by the Company to continue in effect
for Employee any material benefit available generally to the Company executives,
including but not limited to any retirement, pension or incentive plan, life,
accident, disability or health insurance plans, equity or cash bonus plans or
savings and profit sharing plans, or any action by the Company which would
adversely affect Employee's participation in or reduce Employee's benefits under
any of such plans or deprive Employee of any fringe benefit enjoyed by Employee
(but in all cases excluding reductions in benefits approved by the Board of
Directors and that generally affect Company executives in a similar manner); or
(vi) any other material breach by the Company of this Agreement which is not
cured within fourteen (14) days of notice thereof by Employee to Company.

      3.    Compensation.

            a.    Base Salary; Withholding. Commencing with the Effective Date,
the Company shall pay Employee a base salary of $350,000 per year, subject to
increase from time to time (but no less frequently than annually based on annual
anniversaries of the Effective Date) in the good faith discretion of the Board
of Directors of the Company, payable in arrears in equal semi-monthly
installments; provided, however, that Employee's annual base salary will be
increased in all events to such annual base salary as equals the highest annual
base salary as is paid to any other employee of the Company;

                                      -2-
<PAGE>   3

and provided further that Employee's annual base salary rate will be not less
than $425,000 per year after the Breakeven Date. Such increases shall be based
on a review of the prevailing compensation rates of comparable executives in
comparable companies, as well as the performance of Employee and the Company.
The parties shall comply with all applicable withholding requirements in
connection with all compensation payable to Employee hereunder. Employee
acknowledges that, notwithstanding the above, the Board of Directors may
decrease his salary as part of a good faith general reduction of salaries of
Company executives (an "Approved Salary Reduction").

            b.    Bonus. For each year commencing with calendar year 2001,
Employee shall be eligible for a cash bonus award (in lieu of any other cash
bonus award program previously discussed, promised or agreed upon with respect
to any such year) in the discretion of the Company's Board of Directors based on
Company and Employee performance during the year. The bonus will be structured
based on a target bonus equal to 100% of Employee's annualized base salary,
based on the base salary rate paid to Employee in the last pay check of the
year, for achievement of "stretch" performance goals set by the Board of
Directors. Determination of whether stretch goals have been achieved and
determination of appropriate bonus (if any) if stretch goals are not completely
achieved will be in the sole discretion of the Company's Board of Directors;
provided, however, that Employee's cash bonus award will be not less than the
highest cash bonus award associated with annual Company performance paid to any
other employee of the Company.

            c.    Incentive Plans. In addition to all other benefits and
compensation provided by this Agreement, Employee shall be eligible to
participate (to the extent determined by the Board in its discretion) in such of
the Company's equity, compensation and incentive plans (including without
limitation stock and stock option plans) as are generally made available to
Company executives.

            d.    Vacation; Sabbatical. Employee shall be entitled to such
annual vacation time with full pay as the Company may provide in its standard
policies and practices for other Company executives; provided, however, that in
any event Employee shall be entitled to a minimum of four (4) weeks annual paid
vacation time (accrual of vacation at such rate commencing as of the Effective
Date), subject to Company vacation policies that may cap further accrual.

            e.    Other Benefits. Employee shall participate in and have the
benefits of all present and future vacation, holiday, paid leave, unpaid leave,
life, accident, disability, dental, vision and health insurance plans, pension,
profit-sharing and savings plans and all other plans and benefits which the
Company now or in the future from time to time makes generally available to
Company executives.

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<PAGE>   4

      4.    Business Expenses. The Company shall promptly reimburse Employee for
all appropriately documented, reasonable business expenses incurred by Employee
in accordance with Company policies for Company executives.

      5.    Term. This Agreement shall commence as of the Effective Date and,
shall continue indefinitely until Employee's employment with the Company is
terminated as set forth herein.

      6.    Termination By The Company Without Cause or by Employee for Good
Reason. The Company may, by delivering seven (7) days' prior written notice to
Employee, terminate Employee's employment and service to the Company (and its
direct and indirect subsidiaries) at any time and for any reason without Cause.
Employee may terminate his employment and service to the Company (and its direct
and indirect subsidiaries) for Good Reason at any time upon providing written
notice of termination to the Company. In the event of any such termination by
the Company or the Employee, other than a termination as to which Section 7 or 9
applies, the following are agreed upon:

            a.    The Company will pay to Employee, no later than the date of
termination, a lump sum equal to Employee's base salary accrued and unpaid
through the date of termination, all accrued vacation pay and any bonus earned
for a prior calendar year, but then unpaid.

            b.    The Company will continue to pay to Employee compensation at
the annualized base salary rate applicable to Employee's paycheck last paid
prior to termination for a period of twelve (12) months following termination if
termination occurs prior to the Breakeven Date, or for a period of twenty-four
(24) months following termination if termination occurs on or after the
Breakeven Date.

            c.    Within a reasonable time following termination, the Company's
Board of Directors will determine in its discretion an appropriate cash bonus,
if any, to be paid to Employee based on degree of achievement of "stretch"
performance goals (as referred to in Section 3(b)) through the date of
termination and pro rating target bonus based on the portion of the year through
the date of termination. Such bonus, if any, will be paid within thirty (30)
days of such determination.

            d.    The Company will provide, at the Company's expense, coverage
to Employee under the Company's life insurance and disability insurance policies
and to Employee and his dependents under the Company's health plan, or in the
event any of the Company's health plan, life insurance, or disability insurance
are not continued or Employee is not eligible for coverage thereunder due to his
termination of employment, the Company shall pay for the premiums for equivalent
coverage for a period of twenty-four (24) months after the date of termination.

                                      -4-
<PAGE>   5

            e.    In addition, notwithstanding anything to the contrary
contained herein (other than in Section 10 hereof) or in any agreement with
respect hereto, following termination of Employee's employment pursuant to this
Section 6, (i) vesting on a monthly basis will continue, at the same rate
following termination as immediately prior to termination with respect to each
equity option, restricted equity grant and similar right held by Employee with
respect to securities of the Company, over the period from date of termination
through the applicable period referred to in Section 6(b), above, and the
balance of such unvested equity options, etc., if any, that remains unvested as
of the end of such applicable period will vest at the end of such applicable
period; provided, however, that if the date of termination is prior to the
Breakeven Date, then vesting pursuant to this Section 6(e) will not, with
respect to a particular equity option, etc. cause more than seventy-five percent
(75%) of the portion of such equity option, etc. that is unvested as of the
termination to become vested, and (ii) Employee shall have until the later of
twelve (12) months following the date of termination, or three (3) months
following vesting of such particular portion of an option, to exercise any
unexercised, vested options. Employee acknowledges that exercise of an incentive
stock option during any extended exercise period may disqualify treatment as an
incentive stock option for tax purposes.

            f.    It shall be a condition to Employee's eligibility to receive
the payments and benefits referred to in Sections 6(b) through 6(e) that
Employee shall have executed a general release in a form proposed by the Company
in good faith, releasing the Company, its affiliates, officers, directors,
employees, agents and attorneys from any and all claims associated with
Employee's service to the Company and the termination of Employee's employment
with the Company.

      7.    Termination By The Company For Cause. The Company may terminate this
Agreement at any time if such termination is for "Cause," as defined above, by
delivering to Employee prior written notice of termination supported by a
reasonably detailed statement of the relevant facts and reason for termination.
In the event of such termination, the Company shall pay Employee, no later than
ten (10) days following the date of termination, a lump sum equal to Employee's
accrued base salary through the date of termination, all accrued vacation pay
and any bonus earned for a prior calendar year, but then unpaid.

      8.    Voluntary Termination By Employee. Employee may terminate this
Agreement at any time for any reason or no reason upon delivering thirty (30)
days' prior written notice to the Company. No later than the date of
termination, the Company shall pay Employee a lump sum equal to his accrued base
salary through the date of termination, all accrued vacation pay and any bonus
earned for a prior calendar year, but then unpaid, unless Section 6 or 9 applies
to such termination.

      9.    Termination By Death Or Disability.

                                      -5-
<PAGE>   6

            a.    Death. In the event of the death of Employee during the term
hereof, the Company, within ten (10) days of receiving notice of such death,
shall pay Employee's estate accrued base salary through the date of his death,
all accrued vacation pay and any bonus earned for a prior calendar year, but
then unpaid, and the Company shall continue to pay Employee's then base salary
for twelve (12) months following the date of death. In addition, notwithstanding
anything to the contrary contained herein or in any agreement with respect
thereto, upon termination of Employee's employment pursuant to this Section
9(a), fifty percent (50%) of the then remaining balance of unvested equity
options, restricted equity grants and similar rights held by Employee with
respect to securities of the Company shall automatically become fully vested and
shall become immediately exercisable.

            b.    Disability. In the event of Employee's Disability during the
term hereof, the Company, within ten (10) days following the determination of
Disability, shall pay Employee accrued base salary through the date of such
determination, all accrued vacation pay and any bonus earned for a prior
calendar year, but then unpaid, and the Company shall continue to pay Employee's
salary for twelve (12) months following the date of such determination, less all
proceeds of Company-paid disability insurance received by Employee during such
period. In addition, notwithstanding anything to the contrary contained herein
or in any agreement with respect hereto, upon termination of Employee's
employment pursuant to this Section 9(b), fifty percent (50%) of the then
remaining balance of unvested equity options, restricted equity grants and
similar rights held by Employee with respect to securities of the Company shall
automatically become fully vested and shall become immediately exercisable. The
Company may condition eligibility for such salary continuation and additional
vesting on Employee's execution of a general release of the type described in
Section 6(f).

            c.    Conformance. The provisions of this Section 9 supercede and
prevail over any contrary or inconsistent provision of the various Stock Option
Agreements to which Employee and the Company are parties.

      10.   Condition Related to Certain Payments. Employee acknowledges and
agrees that, notwithstanding anything else herein, if Employee:

            (a)   becomes employed by, renders services to, becomes associated
with, creates, or invests in (other than investments in public companies at the
level of not more than 1%) any of the following businesses: (i) businesses that
involve the extension of consumer credit (but in the case of employment or
rendering of services, only to the extent that Executive's employment or
rendering of services actively involves the consumer credit side of such a
business); (ii) development of internet based payment systems, including any
business involved, as a primary focus of its business, in internet-based person
to person payments or electronic bill presentment or payment; (iii) electronic
banking; (iv) electronic wallet companies; or (v) businesses involving the
direct marketing of financial services; or

                                      -6-
<PAGE>   7

            (b)   attempts to solicit or encourage, directly or indirectly, any
employee of the Company or its affiliates to leave the employ of the Company and
its affiliates, then the payments and benefits referred to in Sections 6(b),
6(d), 6(e) (including both further vesting and extended exercisability after the
date that Employee so becomes employed, etc.) and 9(b) will cease. This Section
10 does not, in and of itself, prevent Employee from becoming so employed, etc.;
the effect of this Section 10 is merely to condition certain payments and
benefits to which Employee is not otherwise entitled. Nothing in this Section 10
authorizes Employee to become so employed; Employee's obligations to the Company
under confidentiality agreements, etc. remain unaffected by this Section 10.

      11.   No Termination By Merger, Transfer of Assets or Dissolution. This
Agreement shall not be terminated by any voluntary or involuntary dissolution of
the Company or the transfer of all or substantially all the assets of the
Company or the merger or other business combination of the Company with or into
another entity.

      12.   Indemnification. As an employee, officer and agent of the Company,
Employee shall be fully indemnified by the Company to the fullest extent
permitted by Delaware law, as and to the extent provided in the Indemnification
Agreement to which Employee and the Company are parties.

      13.   Assignment. The rights and obligations of the parties under this
Agreement shall be binding upon and inure to the benefit of their respective
successors, assigns, executors, administrators and heirs, provided, however,
that Employee may not delegate any of Employee's duties under this Agreement.

      14.   Miscellaneous.

            a.    Complete Agreement. This Agreement constitutes the entire
agreement between the parties and cancels and supersedes all other prior or
contemporaneous agreements between the parties which relate to the subject
matter contained in this Agreement, but excluding the following agreements to
which Employee and the Company are parties: (i) the Employee Confidential
Information and Invention Agreement attached hereto as Attachment A which is
being executed contemporaneously herewith (ii) the Indemnification Agreement
dated April 30, 1999 and (iii) various Stock Option Agreements and associated
documentation, and (iv) the Stock Repurchase Agreement (and associated
Promissory Note) dated December 13, 2000, each of which will continue in full
force and effect, except as expressly amended hereby. This Agreement may be
executed in counterparts.

            b.    Expenses. Each party to this Agreement will bear its own costs
and expenses associated with the negotiation and execution of this Agreement.

                                      -7-
<PAGE>   8

            c.    Modification, Amendment and Waiver. No modification or
amendment of any provision of this Agreement shall be effective unless approved
in writing by both parties. The failure at any time to enforce any of the
provisions of this Agreement shall in no way be construed as a waiver of such
provisions and shall not affect the right of either party thereafter to enforce
each and every provision hereof in accordance with its terms.

            d.    Governing Law. This Agreement shall be construed in accordance
with the substantive laws of the State of California without regard to choice of
law provisions thereof.

            e.    Severability. Whenever possible, each provision of this
Agreement shall be interpreted in such manner as to be effective and valid under
applicable law, but if any provision of this Agreement shall be held to be
prohibited by or invalid under applicable law, such provision shall be
ineffective only to the extent of such prohibition or invalidity, without
invalidating the remainder of such provision or the remaining provisions of this
Agreement.

            f.    Attorneys' Fees. In the event of litigation under this
Agreement (including enforcing judgments and appeals), the prevailing party
shall be entitled to reimbursement of its reasonable attorneys' fees and costs
of suit in addition to such other relief as may be granted.

            g.    Interpretation. This Agreement will not be interpreted for or
against either party based on who drafted this Agreement. Each party
acknowledges that it or he has had an opportunity to review this Agreement,
prior to execution, with counsel of its choosing.

            h.    Notices. All notices and other communications under this
Agreement shall be in writing and shall be given in person or by telegraph,
telefax or first class mail, certified or registered with return receipt
requested, and shall be deemed to have been duly given when delivered personally
or three days after mailing or one day after transmission of a telegram or
telefax, as the case may be, to the respective persons named below.

      If to the Company:      NextCard, Inc.
                              595 Market Street, Suite 950
                              San Francisco, California  94105
                              Attention:  Chairman of the Board

      With a copy to:         Ronald Star, Esq.
                              Howard, Rice, Nemerovski, Canady, Falk & Rabkin
                              Three Embarcadero Center, Suite 700
                              San Francisco, California  94111

                                      -8-
<PAGE>   9

      If to the Employee:     John Hashman
                              [address]

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

      COMPANY:                NextCard, Inc., a Delaware corporation

                              By:______________________________________________
                                       Jeremy Lent, Chairman of the Board

      EMPLOYEE:

                              _________________________________________________
                              John Hashman

                                      -9-

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