Document:

Form of Revolving Loan Note

 Exhibit 10.25 
 REVOLVING LOAN NOTE 
  

			
	$                    	  	Date: as of January 1, 2011
	Jacksonville, Florida	  	

 For value received, JACKSONVILLE BANCORP, INC., a Florida corporation (the
“Borrower”), promises to pay to the order of                     , an individual (hereinafter, together with any holder of
this Revolving Loan Note, the “Lender”), on or before Revolving Loan Maturity Date, the lesser of (A)
                    dollars ($            ) and (B) the aggregate principal
amount of all Revolving Loans outstanding under and pursuant to that certain Loan Agreement dated as of January 1, 2011, between the Borrower and the Lender (as amended, restated, supplemented, or otherwise modified from time to time, the
“Loan Agreement”), and made available by the Lender to the Borrower at the maturity or maturities and in the amount or amounts stated provided in the Loan Agreement, together with interest (computed as provided in the Loan
Agreement) on the aggregate principal amount of all Revolving Loans outstanding from time to time as provided in the Loan Agreement. Defined terms used but not defined in this Revolving Loan Note are as defined in the Loan Agreement. 

This Revolving Loan Note evidences the Revolving Loans and other indebtedness incurred by the Borrower under and pursuant to the Loan
Agreement, to which reference is hereby made for a statement of the terms and conditions under which the Revolving Loan Maturity Date or any payment hereon may be accelerated. The holder of this Revolving Loan Note is entitled to all of the benefits
and security provided for in the Loan Agreement. All Revolving Loans shall be repaid by the Borrower on the Revolving Loan Maturity Date, unless payable sooner pursuant to the provisions of the Loan Agreement. Principal and interest are to be paid
to the Lender as provided in the Loan Agreement. 
 Except for notices required under the Loan Agreement, the Borrower hereby
(1) waives presentment, demand, notice, protest, and all other demands or notices in connection with the delivery, acceptance, performance, default, or enforcement of this Revolving Loan Note, and (2) assents to any extension or
postponement of the time of payment or any other indulgence. 
 The Revolving Loans evidenced hereby have been made, and this
Revolving Loan Note has been delivered, in Jacksonville, Florida. This Revolving Loan Note is governed by, and is to be construed in accordance with, the laws of the state of Florida, in which state it will be performed. This Revolving Loan Note is
binding upon the Borrower and its legal representatives, successors, and assigns. Wherever possible, each provision of the Loan Agreement and this Revolving Loan Note are to be interpreted so as to be effective and valid under applicable law, but if
any provision of the Loan Agreement or this Revolving Loan Note is prohibited by or invalid under any such law, that provision will be severable and ineffective to the extent of that prohibition or invalidity, without invalidating the remaining
provisions of the Loan Agreement or this Revolving Loan Note. 
 [SIGNATURE PAGE FOLLOWS] 

 The Borrower is signing this Revolving Loan Note as of the date stated in the caption on the
first page. 
  

			
	 JACKSONVILLE BANCORP, INC.,
 As the Borrower

		
	By:	 	 
	Name:	 	 
	Title:	 	 

 Signature Page to

 Revolving Loan Note
(                    ) 

 Schedule to Exhibit 10.25 
 The form of Revolving Loan Note was executed by the following persons for the amounts set forth beside their names: 
 R.C. Mills - $200,000 
 Donald E. Roller - $300,000 

Chelsea Rose - $100,000 
 Cheryl H. Rose (through
IRA) - $100,000 
 John W. Rose (through 401(k) account) - $300,000 
 Price W. Schwenck - $200,000 
 John P. Sullivan - $200,000 

Triad Financial Services - $200,000Consent and First Amendment to Loan and Security Agreement

 Exhibit 10.26 
 CONSENT AND FIRST AMENDMENT TO 
 LOAN AND SECURITY AGREEMENT

 This CONSENT AND FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT (this “Amendment”) is entered into as of
the 24th day of November, 2010, by and among SILICON VALLEY BANK (“Bank”), BANKS.COM, INC., a Florida corporation (“Parent”), INTERSEARCH CORPORATE SERVICES, INC., a Nevada corporation (“Intersearch”), and DOTTED
VENTURES, INC., a Delaware corporation (“Dotted”, and together with Parent and Intersearch, jointly and severally, collectively and individually, referred to herein as “Borrower”), whose address is 222 Kearny Street, Suite 550,
San Francisco, California 94108. 
 RECITALS 

A. Bank and Borrower have entered into that certain Loan and Security Agreement dated as of March 3, 2010, (as the same may
from time to time be amended, modified, supplemented or restated, the “Loan Agreement”). Bank has extended credit to Borrower for the purposes permitted in the Loan Agreement. 

B. Parent wishes to enter into a sale-leaseback arrangement with Domain Capital under which Parent would transfer ownership of the
assets of Parent described in Exhibit A attached hereto as the “Domain Name Collateral” to Domain Capital and Domain Capital would extend credit to Parent in an approximate amount of $600,000, with monthly payments from Parent to Domain
Capital over a period of five years (the “Domain Capital Financing”). 
 C. In connection with the
Domain Capital Financing, Domain Capital requires Bank to terminate its Lien on the Domain Name Collateral. 
 D.
Borrower has requested Bank’s consent to the Domain Capital Financing and Bank’s agreement to terminate its Lien on the Domain Name Collateral. 
 E. Bank has agreed to consent to the Domain Capital Financing and to terminate its Lien on the Domain Name Collateral, in accordance with the terms, subject to the conditions and in reliance upon
the representations and warranties set forth below. 
 AGREEMENT 

NOW, THEREFORE, in consideration of the foregoing recitals and other good and valuable
consideration, the receipt and adequacy of which is hereby acknowledged, and intending to be legally bound, the parties hereto agree as follows: 
 1. Definitions. Capitalized terms used but not defined in this Amendment shall have the meanings given to them in the Loan Agreement. 

2. Consent. Subject to the terms set forth herein, Bank hereby consents to the Domain Capital Financing and the entrance into the
Domain Capital Financing shall not, in and of itself, constitute an “Event of Default” under Section 8 of the Loan Agreement. 

 3. Amendments to Loan Agreement. 

3.1 Section 2.2.4 (Collateral Handling Fee). The reference in Section 2.2.4 of the Loan Agreement to
“fifty-five hundredths of one percent (0.55%)” is hereby deleted and replaced with “seven tenths of one percent (0.7%)”. 
 3.2 Section 13 (Definitions). The following terms and their definitions in Section 13 of the Loan Agreement are hereby amended by deleting them in their entirety and
replacing them with the following: 
 “Facility Amount” is One Million Two Hundred Fifty Thousand Dollars
($1,250,000). 
 “Net Cash” is an amount equal to Borrower’s unrestricted cash and Investments with
maturities of fewer than twelve (12) months held at or through Bank, minus all of Borrower’s outstanding Indebtedness. 
 3.3 Exhibit A (Collateral). Bank hereby terminates its Lien on the Domain Name Collateral and agrees that Exhibit A of the Loan Agreement is hereby amended in its entirety and
replaced with the Exhibit A attached hereto. 
 3.4 Exhibit B (Compliance Certificate). Exhibit B of
the Loan Agreement is hereby amended in its entirety and replaced with the Exhibit B attached hereto 
 4. Limitation of
Amendment. 
 4.1 The consent set forth in Section 2 and the amendments set forth in Section 3, above, are
effective for the purposes set forth herein and shall be limited precisely as written and shall not be deemed to (a) be a consent to any amendment, waiver or modification of any other term or condition of any Loan Document, or
(b) otherwise prejudice any right or remedy which Bank may now have or may have in the future under or in connection with any Loan Document. 
 4.2 This Amendment shall be construed in connection with and as part of the Loan Documents and all terms, conditions, representations, warranties, covenants and agreements set forth in the Loan
Documents, except as herein amended, are hereby ratified and confirmed and shall remain in full force and effect. 
 5.
Representations and Warranties. To induce Bank to enter into this Amendment, Borrower hereby represents and warrants to Bank as follows: 
 5.1 Immediately after giving effect to this Amendment, (a) the representations and warranties contained in the Loan Documents are true, accurate and complete in all material respects as of the
date hereof (except to the extent such representations and warranties relate to an earlier date, in which case they are true and correct as of such date), and (b) no Event of Default has occurred and is continuing; 

5.2 Borrower has the power and authority to execute and deliver this Amendment and to perform its obligations under the Loan
Agreement, as amended by this Amendment; 

 5.3 The organizational documents of Borrower delivered most recently to Bank remain
true, accurate and complete and have not been amended, supplemented or restated and are and continue to be in full force and effect; 
 5.4 The execution and delivery by Borrower of this Amendment and the performance by Borrower of its obligations under the Loan Agreement, as amended by this Amendment, have been duly authorized by
all necessary action on the part of Borrower; 
 5.5 The execution and delivery by Borrower of this Amendment and the
performance by Borrower of its obligations under the Loan Agreement, as amended by this Amendment, do not and will not contravene (a) any law or regulation binding on or affecting Borrower, (b) any contractual restriction with a Person
binding on Borrower, (c) any order, judgment or decree of any court or other governmental or public body or authority, or subdivision thereof, binding on Borrower, or (d) the organizational documents of Borrower; 

5.6 The execution and delivery by Borrower of this Amendment and the performance by Borrower of its obligations under the Loan
Agreement, as amended by this Amendment, do not require any order, consent, approval, license, authorization or validation of, or filing, recording or registration with, or exemption by any governmental or public body or authority, or subdivision
thereof, binding on either Borrower, except as already has been obtained or made; and 
 5.7 This Amendment has been duly
executed and delivered by Borrower and is the binding obligation of Borrower, enforceable against Borrower in accordance with its terms, except as such enforceability may be limited by bankruptcy, insolvency, reorganization, liquidation, moratorium
or other similar laws of general application and equitable principles relating to or affecting creditors’ rights. 

6. Integration. This Amendment and the Loan Documents represent the entire agreement about this subject matter and
supersede prior negotiations or agreements. All prior agreements, understandings, representations, warranties, and negotiations between the parties about the subject matter of this Amendment and the Loan Documents merge into this Amendment and the
Loan Documents. 
 7. Prior Agreement. Except as expressly provided for in this Amendment, the Loan
Documents are hereby ratified and reaffirmed and shall remain in full force and effect. This Amendment is not a novation and the terms and conditions of this Amendment shall be in addition to and supplemental to all terms and conditions set forth in
the Loan Documents. In the event of any conflict or inconsistency between this Amendment and the terms of such documents, the terms of this Amendment shall be controlling, but such document shall not otherwise be affected or the rights therein
impaired. 
 8. Counterparts. This Amendment may be executed in any number of counterparts and all of such
counterparts taken together shall be deemed to constitute one and the same instrument. 
 9. Effectiveness.
This Amendment shall be deemed effective upon (a) the due execution and delivery to Bank of this Amendment by each party hereto, (b) Borrower’s payment of an amendment fee in an amount equal to $2,500, and (c) payment of
Bank’s legal fees and expenses in connection with the negotiation and preparation of this Amendment. 

 10. Governing Law. This Amendment and the rights and obligations of the
parties hereto shall be governed by and construed in accordance with the laws of the State of California. 
 [Signature page
follows.] 

 IN WITNESS WHEREOF, the parties hereto
have caused this Amendment to be duly executed and delivered as of the date first written above. 
  

			
	BORROWER:
	
	BANKS.COM, INC.
		
	By	 	 /s/ Daniel O’Donnell

	Name:	 	 Daniel O’Donnell

	Title:	 	 President & CEO

	
	INTERSEARCH CORPORATE SERVICES, INC.
		
	By	 	 /s/ Kimberly O’Donnell

	Name:	 	 Kimberly O’Donnell

	Title:	 	 President

	
	DOTTED VENTURES, INC.
		
	By	 	 /s/ Daniel O’Donnell

	Name:	 	 Daniel O’Donnell

	Title:	 	 President & CEO

 

			
	BANK:
	
	SILICON VALLEY BANK
		
	By	 	 /s/ Vincent Vallejos

	Name:	 	 Vincent Vallejos

	Title:	 	 Relationship Manager

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