Document:

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                                                                    EXHIBIT 10.1

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(OFFICIAL FORM 1) (9/97)
FORM B1
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                                      UNITED STATES BANKRUPTCY COURT                                        VOLUNTARY PETITION
                                      SOUTHERN DISTRICT OF NEW YORK

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Name of Debtor (if individual, enter Last, First, Middle)              Name of Joint Debtor (Spouse) (Last, First, Middle):
NEW ORLEANS AIRPORT MOTEL ASSOCIATES, L.P.

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All Other Names used by the Debtor in the last 6 years                  All Other Names used by the Joint Debtor in the last 6
(include married, maiden, and trade names):                             years (include married, maiden, and trade names):
RADISSON AIRPORT HOTEL; NEW ORLEANS AIRPORT HOTEL & CONFERENCE CENTER

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Soc. Sec./Tax ID. No. (if more than one, state all)                    Soc. Sec./Tax I.D. No. (if more than one, state all)
59-1935178
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Street Address of Debtor (No. & Street, City, State & Zip Code):       Street Address of Joint Debtor (No. & Street, City, State
3445 PEACHTREE ROAD, NE, SUITE 700                                     & Zip Code):
ATLANTA, GEORGIA 30326

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County of Residence or of the                                          County of Residence or of the
Principal Place of Business:                                           Principal Place of Business:
FULTON, GEORGIA

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Mailing Address of Debtor (if different from street address):          Mailing Address of Debtor (if different from street
                                                                       address):

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Location of Principal Assets of Business Debtor (if different from street
address above):

OWNS AND OPERATES THE NEW ORLEANS AIRPORT HOTEL & CONFERENCE CENTER, NEW ORLEANS, LA

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          INFORMATION REGARDING THE DEBTOR (CHECK APPLICABLE BOXES)

VENUE (Check any applicable box)

[ ] Debtor has been domiciled or has had a residence, principal place of
business, or principal assets in this District for 180 days immediately
preceding the date of this petition or for a longer part of such 180 days than
in any other District.

[X]  There is a bankruptcy case concerning debtor's affiliate, general partner or
partnership pending in this District.

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             TYPE OF DEBTOR (Check all boxes that apply)                         CHAPTER OR SECTION OF BANKRUPTCY CODE UNDER WHICH
[ ] Individual(s)                [ ]  Railroad                                      THE PETITION IS FILED (Check one box)

[ ] Corporation                  [ ]  Stockbroker                      [ ] Chapter 7      [X] Chapter 11       [ ] Chapter 13

[X] Partnership                  [ ]  Commodity Broker                 [ ] Chapter 9      [ ] Chapter 12

[ ] Other____________________________                                  [ ] Sec. 304 - Case ancillary to foreign proceeding

-----------------------------------------------------------            -----------------------------------------------------------
                   NATURE OF DEBTS (Check one box)                                     FILING FEE (Check one box)

[ ] Consumer/Non-Business        [X]  Business                         [X]  Full Filing Fee attached

---------------------------------------------------------------------  [ ] Filing fee to be paid in installments (Applicable to
       CHAPTER 11 SMALL BUSINESS (Check all boxes that apply)          individuals only). Must attach signed application for the
[ ] Debtor is a small business as defined in 11 U.S.C.ss.101           court's consideration
[ ] Debtor is and elects to be considered a small business under       certifying that the debtor is unable to pay the fee except
    11 U.S.C.ss. 1121(e)(Optional)                                     in installments. Rule 1006(b). See Official Form No. 3.
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---------------------------------------------------------------------------------------------------  This Space For Court Use Only

STATISTICAL/ADMINISTRATIVE INFORMATION (Estimates only)*
[ ] Debtor estimates that funds will be available for distribution to unsecured
    creditors.
[ ] Debtor estimates that, after any exempt property is excluded and
    administrative expenses paid, there will be no funds available for
    distribution to creditors.
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Estimated Number of Creditors*        1-15       16-49      50-99      100-199    200-999
1000-over                             [ ]         [ ]        [ ]        [ ]        [X]

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Estimated Assets*
   $0 to  $50,001 to  $100,001 to $500,001 to $1,000,001 to $10,000,001 to $50,000,001 to  More than
  $50,000  $100,000    $500,000   $1 million  $10 million  $50 million  $100 million  $100 Million
    [ ]         [ ]        [ ]        [ ]        [ ]           [ ]          [ ]            [X]
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Estimated Debts*
   $0 to  $50,001 to  $100,001 to $500,001 to $1,000,001 to $10,000,001 to $50,000,001 to  More than
  $50,000  $100,000    $500,000   $1 million  $10 million  $50 million  $100 million  $100 Million
    [ ]         [ ]        [ ]        [ ]        [ ]           [ ]          [ ]            [X]
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* Consolidated with Affiliates.

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(OFFICIAL FORM 1) (9/97)
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VOLUNTARY PETITION                                                Name of Debtor(s):                                FORM B1, Page 2
(This page must be completed and filed in every case)
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                    PRIOR BANKRUPTCY CASE FILED WITHIN LAST 6 YEARS (IF MORE THAN ONE, ATTACH ADDITIONAL SHEET)
----------------------------------------------------------------- -------------------------------------- ---------------------------
Location                                                          Case Number:                           Date Filed:
Where Filed:
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    PENDING BANKRUPTCY CASE FILED BY ANY SPOUSE, PARTNER OR AFFILIATE OF THIS DEBTOR (IF MORE THAN ONE, ATTACH ADDITIONAL SHEET)
----------------------------------------------------------------- -------------------------------------- ---------------------------
Name of Debtor:                                                   Case Number:                           Date Filed:
SEE ATTACHED SCHEDULE 1
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District:                                                         Relationship:                          Judge:

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                                                          SIGNATURES
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          SIGNATURE(S) OF DEBTOR(S) (INDIVIDUAL/JOINT)                      SIGNATURE OF DEBTOR (CORPORATION/PARTNERSHIP)

I declare under penalty of perjury that the information           I declare under penalty of perjury that the information provided
provided in this petition is true and correct.                    in this petition is true and correct, and that I have been
[If petitioner is an individual whose debts are primarily         authorized to file this petition on behalf of the debtor.
consumer debts and has chosen to file under chapter 7] I am
aware that I may proceed under chapter 7, 11, 12 or 13 of title   The debtor requests relief in accordance with the chapter of
11, United States Code, understand the relief available under     title 11, United States Code, specified in this petition.
each such chapter, and choose to proceed under chapter 7.
I request relief in accordance with the chapter of title 11,      X/s/ Daniel Ellis
United States Code, specified in this petition.                     -----------------------------------------------------------
                                                                    Signature of Authorized Individual

X                                                                   Daniel Ellis
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Signature of Debtor                                                 Printed Name of Authorized Individual

X
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Signature of Joint Debtor                                           As Vice President of the General Partner of the Partnership
                                                                    -----------------------------------------------------------
                                                                    Title of Authorized Individual
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Telephone Number (If not represented by attorney)
                                                                    April 17, 2002
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Date                                                                Date

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                     SIGNATURE OF ATTORNEY                                   SIGNATURE OF NON-ATTORNEY PETITION PREPARER
X  /S/ Adam Rogoff                                                I certify that I am a bankruptcy petition preparer as defined in
---------------------------------------------------------         11 U.S.C.ss. 110, that I prepared this document for compensation,
  Signature of Attorney for Debtor(s)                             and that I have provided the debtor with a copy of this document.
  Adam Rogoff                             AR 0820
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  Printed Name of Attorney for Debtor(s)    Bar ID Number
                                                                    --------------------------------------------------------
  Cadwalader, Wickersham & Taft                                     Printed Name of Bankruptcy Petition Preparer
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  Firm Name
  100 Maiden Lane
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  Address                                                           Social Security Number
  New York, New York  10038
                                                                    --------------------------------------------------------
  (212) 504-6000                                                    Address
  -------------------------------------------------------
  Telephone Number
                                                                    --------------------------------------------------------
  April 17, 2002                                                    Names and Social Security numbers of all other individuals who
  -------------------------------------------------------           prepared or assisted in preparing this document.
  Date

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                         EXHIBIT A                                  If more than one person prepared this document, attach sheets

   (To be completed if debtor is required to file additional        conforming to the appropriate official form for each person.
   periodic reports (e.g., forms 10K and 10Q) with the
   Securities and Exchange Commission pursuant to Section 13
   or 15(d) of the Securities Exchange Act X of 1934 and is         X ------------------------------------------------------
   requesting relief under chapter 11)                               Signature of Bankruptcy Petition Preparer

Exhibit A is attached and  made a part of this petition.

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                                                                    --------------------------------------------------------
                           EXHIBIT B                                Date

                (To be completed if debtor is an
                individual whose debts are
                primarily consumer debts)

I, the attorney for the petitioner named in the foregoing           A bankruptcy petition preparer's failure to comply with the
petition, declare that I have informed the petitioner that          the provisions of title 11 and the Federal Rules
[he or she] may proceed under chapter 7, 11, 12, or 13 of           Procedure may result in fines or imprisonment or both 11 U.S.C.
title 11, United States Code, and have explained the                ss.110; 18 U.S.C. ss.156.
relief available under each such chapter.

X /S/ Adam Rogoff                          April 17, 2002
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  Signature of Attorney for Debtor(s)       Date
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                                                                   EXHIBIT 10.23

                     SEVERANCE AGREEMENT AND GENERAL RELEASE

         This SEVERANCE AGREEMENT AND GENERAL RELEASE (this "Severance
Agreement") dated April 30, 2002 is entered into by and between Netzee, Inc.
(hereinafter "Netzee"), and Richard S. Eiswirth (hereinafter "Eiswirth").

         WHEREAS, Eiswirth has been employed by Netzee as its Senior Executive
Vice President, Chief Financial Officer and Secretary pursuant to an Employment
Agreement dated March 1, 2000, as amended on May 1, 2001 (the "Employment
Agreement");

         WHEREAS, the parties desire to end their employment relationship,
preserve the good will between the parties, and dispose of all claims which each
may have, or may have had, against the other;

         NOW, THEREFORE, for and in consideration of the good and valuable
consideration set forth herein, and in consideration of the Indemnification
Agreement dated April 29, 2002, the receipt and sufficiency of which is hereby
acknowledged, the parties agree as follows:

                                       1.

         Unless the context plainly requires otherwise, the term "Eiswirth"
includes his agents, attorneys, employees, heirs, successors and assigns; and
the term "Netzee Releasees" includes Netzee and its shareholders, directors,
officers, partners, agents, attorneys, parent entities, employees, successors,
assigns, affiliates, and subsidiaries, and each of their respective
shareholders, directors, officers, partners, agents, attorneys, parent entities,
employees, successors, assigns, affiliates and subsidiaries. Any other
capitalized terms not defined herein shall have the meanings ascribed to them in
the Employment Agreement.

                                       2.

         Eiswirth hereby resigns from employment with Netzee effective April 30,
2002. After that date, he will have no right to further employment with Netzee,
and Netzee will have no obligation to employ him.

                                       3.

         Except as otherwise set forth herein, Eiswirth agrees that he has no
claim to any benefits or payments from Netzee. Netzee will pay to Eiswirth the
following amounts:

                  (a)      upon the execution of this Severance Agreement, the
sum of $209,686, which represents (1) Eiswirth's current annual salary under the
Employment Agreement, (2) one week of accrued vacation and (3) Eiswirth's
automobile allowance and club dues for the remainder of the Term under the
Employment Agreement;

                  (b)      upon the execution of this Severance Agreement, the
sum of $112,000, as a bonus

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for Eiswirth's past service to Netzee; and

                  (c)      upon the date that is 90 days from the date of this
Severance Agreement, the sum of $50,000, provided that Eiswirth has provided
finance-related assistance satisfactory to Netzee on an as-needed basis during
such 90-day period.

         Eiswirth shall be responsible for payment of all taxes on such amounts,
and Netzee will withhold taxes on such amounts as provided by applicable law.

         Netzee also agrees to make any necessary COBRA coverage payments on
Eiswirth's behalf providing for coverage through July 31, 2002.

                                       4.

         Except as expressly set forth herein, this Severance Agreement shall
supersede and extinguish the Employment Agreement. Notwithstanding the
foregoing, Section 5 of the Employment Agreement (with respect to trade secrets
and confidential information), as well as any rights or claims available
pursuant to the Indemnification Agreement dated April 29, 2002, shall continue
to be in full force and effect as if such provision had been set forth herein.
Eiswirth agrees that the provisions of Section 4.c.(v) of the Employment
Agreement with respect to Eiswirth's outstanding options to purchase Netzee
stock shall be null and void, and the provisions of each Option Agreement with
respect to each such stock option shall remain in full force and effect,
including the provisions therein with respect to the forfeiture and exercise of
options upon and following termination of Eiswirth's employment.

                                       5.

         Eiswirth hereby releases, discharges and acquits forever the Netzee
Releasees from any and all debts, claims, demands, liabilities, assessments,
agreements, actions or causes of action, whether in law or in equity, whether
direct or indirect, whether presently known or unknown, absolute or contingent,
of any kind whatsoever which Eiswirth had, now has, or may have had against any
of the Netzee Releasees from the beginning of time up to the date of this
Severance Agreement. Netzee hereby releases, discharges, and acquits forever
Eiswirth from any and all debts, claims, demands, liabilities, assessments,
agreements, actions or causes of action, whether in law or in equity, whether
direct or indirect, whether presently known or unknown, absolute or contingent,
of any kind whatsoever which Netzee had, now has, or may have had against
Eiswirth from the beginning of time up to the date of this Severance Agreement.

                                       6.

         Without limiting the foregoing release, Eiswirth waives all rights he
may have had or now has to pursue any and all remedies available to him under
any cause of action whatsoever against the Netzee Releasees, including without
limitation, claims of wrongful discharge, emotional distress, defamation, breach
of contract, breach of the covenant of good faith and fair dealing, the Employee
Retirement Income Security Act, and any other laws and regulations relating to
employment, including any and all employment laws of the State of Georgia.
Eiswirth further acknowledges and expressly agrees that he is waiving any and
all rights he may have had or now has to pursue any claim of discrimination,
including

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but not limited to, any claim of discrimination based on sex, age, race,
national origin, disability, or on any other basis, under Title VII of the Civil
Rights Act of 1964, the Americans With Disabilities Act of 1990, the Equal Pay
Act of 1963, the Age Discrimination in Employment Act of 1967, the Civil Rights
Act of 1866, any other analogous law of the State of Georgia, and all other laws
and regulations relating to employment.

                                       7.

         It is understood and agreed that the consideration given for this
Severance Agreement is not to be construed as an admission of liability or fault
on the part of either party.

                                       8.

         This Severance Agreement supersedes all prior and contemporaneous
written and oral agreements and understandings between the parties with respect
to the subject matter hereof and supersedes all prior and contemporaneous
written and oral discussions, negotiations and agreements with respect to such
subject matter.

                                       9.

         Eiswirth further warrants and agrees he will not disparage Netzee or
its owners, officers, directors, shareholders, employees, agents, or its
business, products, policies, practices or services, in any way whatsoever.
Netzee warrants and agrees that its current Board members and senior executives
will not disparage Eiswirth.

                                       10.

         This Severance Agreement has been executed in the State of Georgia and
any questions as to its validity, meaning, interpretation, or application shall
be controlled by the laws of the State of Georgia.

                                       11.

         If any provision of this Severance Agreement is found to be
unenforceable, it shall not affect the enforceability of the remaining
provisions and the Court shall enforce all remaining provisions to the extent
permitted by law.

                                       12.

         Eiswirth hereby acknowledges and understands and Netzee agrees that:

         (a)      Eiswirth may have at least twenty-one (21) days after receipt
                  of this Severance Agreement within which he may review and
                  consider, discuss with an attorney of his own choosing, and
                  decide to execute or not execute this Severance Agreement;

         (b)      Eiswirth has seven (7) days after the execution of this
                  Severance Agreement within which he may revoke this Severance
                  Agreement;

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         (c)      In order to revoke this Severance Agreement, Eiswirth or his
                  attorney must give written notice to Netzee by delivering a
                  letter to Netzee's President and Chief Executive Officer,
                  Donny Jackson, and to its legal counsel, Mark D. Kaufman,
                  stating that Eiswirth is revoking this Severance Agreement. To
                  effect a revocation, delivery of the letter must be made on or
                  before seven (7) days after the execution of this Severance
                  Agreement. The letter shall be delivered and addressed
                  pursuant to the notice provisions set forth in paragraph 13
                  below;

         (d)      This Severance Agreement shall not become enforceable until
                  after the expiration of seven (7) days following the date
                  Eiswirth executes this Severance Agreement and it will only
                  become enforceable if Eiswirth does not revoke the Severance
                  Agreement as provided for herein; and

         (e)      In the event that Eiswirth revokes this Severance Agreement
                  pursuant to this provision, Eiswirth agrees that he
                  immediately will return to Netzee any and all consideration
                  already paid by Netzee under Paragraph 3 above.

                                       13.

         Any notice, demand or other communication which any party is required
or permitted to provide to the other pursuant to this Severance Agreement shall
be in writing and sent by certified mail, return receipt requested, or by
Federal Express, signature required, to Mr. Donny Jackson, President and Chief
Executive Officer, Netzee, Inc., 6190 Powers Ferry Road, Powers Ferry Landing
East, Suite 400, Atlanta, Georgia 30339 (if to Netzee), or to Richard S.
Eiswirth, 103 Ansley Villa Drive, Atlanta, Georgia 30324 (if to Eiswirth).
Notice will be effective upon the date of receipt by the party to be notified.
In addition, Eiswirth shall send a copy of the notice to Netzee to Mark D.
Kaufman, Sutherland Asbill & Brennan LLP, 999 Peachtree Street, Suite 2300,
Atlanta, Georgia 30309, at the same time and by the same method of delivery as
to Netzee. However, the copy to Mr. Kaufman shall not constitute notice.

                                       14.

         Eiswirth represents and warrants that he has fully read this Severance
Agreement, that he understands all the terms and conditions set forth herein,
and that he is entering into this Severance Agreement voluntarily and without
promise or benefit other than as set forth herein. Eiswirth further acknowledges
that he may have at least twenty-one (21) days within which to consider this
Severance Agreement, that he was advised to consult with an attorney of his own
choosing concerning the releases and waivers contained in and the terms of this
Severance Agreement, and that the waivers he has made, the releases he has
given, and the terms that he has agreed to herein are made knowingly,
consciously, and with full appreciation that he is forever foreclosed from
pursuing any of the rights so waived and released.

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                                       15.

         This Severance Agreement may be modified or amended only in a writing
signed by the parties hereto. IN WITNESS WHEREOF, the undersigned have set their
hands and seals on the date written.

/s/ JARETT J. JANIK                         /s/ Richard S. Eiswirth
---------------------------                 ------------------------------------
WITNESS                                     RICHARD S. EISWIRTH

                                            NETZEE, INC.

/s/ JARETT J. JANIK                         By:   /s/ Donny R. Jackson
---------------------------                       ------------------------------
WITNESS                                     Name: DONNY R. JACKSON
                                                  ------------------------------
                                            Title: President and CEO
                                                   -----------------------------

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