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                                                                    EXHIBIT 4.23

THIS WARRANT AND THE SHARES OF STOCK OF FINET.COM, INC. TO BE ISSUED UPON ANY
EXERCISE OF THIS WARRANT HAVE NOT BEEN REGISTERED WITH THE SECURITIES AND
EXCHANGE COMMISSION UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER ANY
STATE SECURITIES LAWS AND ANY SALE, TRANSFER, PLEDGE OR OTHER DISPOSITION
THEREOF MAY BE MADE ONLY (i) IN A REGISTRATION UNDER SAID ACT OR (ii) IF AN
EXEMPTION FROM REGISTRATION UNDER SAID ACT AND APPLICABLE STATE SECURITIES LAWS
IS AVAILABLE AND THE COMPANY HAS RECEIVED AN OPINION OF COUNSEL TO THAT EFFECT
REASONABLY SATISFACTORY TO IT.

                                 FINET.COM, INC.

                          COMMON STOCK PURCHASE WARRANT
                TO PURCHASE__________ SHARES OF THE COMMON STOCK
                               OF FINET.COM, INC.

                      This Warrant Expires __________, 2005

Warrant No. _________

     THIS CERTIFIES that, subject to the terms and conditions set forth in this
Warrant, ________________________ (the "Holder") is entitled to purchase from
FINET.COM, INC., a Delaware corporation (the "Company"), at any time or from
time to time during the Exercise Period (as defined in Section 15 below) the
number of fully paid and non-assessable shares of common stock, par value $.01
per share, of the Company (the "Shares") as provided herein upon surrender of
this Warrant at the principal office of the Company, and, at the election of the
Holder, upon payment of the purchase price at said office in cash or by
cashier's check or by the wire transfer of funds in a dollar amount equal to the
purchase price of the Shares for which the consideration is being given.

     This Warrant shall be exercisable for that number of Shares as set forth
above.

     1.   PURCHASE PRICE. The purchase price of one share of Common Stock (or
such securities as may be substituted for one share of Common Stock pursuant to
the provisions set forth below) (the "Warrant Price") shall be Seventy-Five
Cents ($0.75).

     2.   ADJUSTMENT OF WARRANT PRICE AND NUMBER OF SHARES. The number and kind
of securities issuable upon the exercise of this Warrant shall be subject to
adjustment from time to time upon the happening of certain events as follows:

          (a)  ADJUSTMENT FOR DIVIDENDS IN STOCK. If, at any time on or after
the date hereof, the holders of the Common Stock of the Company (or any shares
of stock or other securities at the time receivable upon the exercise of this
Warrant) shall have received, or, on or after the record date fixed for the
determination of eligible

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stockholders, shall have become entitled to receive, without payment therefor,
other or additional stock of the Company by way of dividend (other than as
provided for in Section 2(b) below), then and in each such case, upon the
exercise of this Warrant, the Holder shall be entitled to receive, in addition
to the number of shares of Common Stock receivable and without payment of any
additional consideration, the amount of such other or additional stock of the
Company which the Holder would receive on the date of such exercise had it been
the holder of record of such Common Stock on the date hereof and had thereafter,
during the period from the date hereof to and including the date of such
exercise, retained such shares and/or all other additional stock receivable by
it during such period and given effect to all adjustments called for during such
period by this Section 2.

          (b)  ADJUSTMENT FOR CHANGES IN COMMON STOCK. In the event of changes
in the outstanding Common Stock of the Company by reason of split-ups,
recapitalizations, reclassifications, mergers, consolidations, combinations or
exchanges of shares, separations, reorganizations, liquidations, or the like,
the number and class of shares available under the Warrant in the aggregate and
the Warrant Price shall be correspondingly adjusted by the Board of Directors of
the Company. The adjustment shall be such as will give the Holder, upon exercise
for the same aggregate Warrant Price, the total number, class, and kind of
shares as the Holder would have owned had the Warrant been exercised prior to
the event and had the Holder continued to hold such shares until after the event
requiring adjustment.

     3.   NO FRACTIONAL SHARES. No fractional shares of Common Stock will be
issued in connection with any subscription under this Warrant. In lieu of any
fractional shares which would otherwise be issuable, the Company shall pay cash
equal to the product of such fraction multiplied by the fair market value of one
share of Common Stock on the date of exercise as determined in good faith by the
Company's Board of Directors.

     4.   NO STOCKHOLDER RIGHTS. This Warrant shall not entitle its holder to
any of the rights of a stockholder of the Company prior to its exercise.

     5.   RESERVATION OF STOCK. The Company covenants that during the period
this Warrant is exercisable, the Company will reserve from its authorized and
unissued Common Stock a sufficient number of shares to provide for the issuance
of Common Stock upon the exercise of this Warrant. The Company agrees that its
issuance of this Warrant shall constitute full authority to its officers who are
charged with the duty of executing stock certificates to execute and issue the
necessary certificates for shares of Common Stock upon the exercise of this
Warrant.

     6.   EXERCISE OF WARRANT. This Warrant may be exercised by the Holder or
its registered assigns, in whole or in part, by the surrender of this Warrant at
the principal office of the Company, together with the attached form of
subscription, duly executed, and accompanied by payment in full of the amount of
the Warrant Price in the form

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described in this Warrant. Upon partial exercise of this Warrant, a new warrant
or warrants containing the same date and provisions as this Warrant shall be
issued by the Company to the Holder for the number of shares of Common Stock
with respect to which this Warrant shall not have been exercised. A Warrant
shall be deemed to have been exercised immediately prior to the close of
business on the date of its surrender for exercise as provided above, and the
person entitled to receive the shares of Common Stock issuable upon such
exercise shall be treated for all purposes as the holder of such shares of
record as of the close of business on such date. As promptly as practicable on
or after such date, the Company shall issue and deliver to the person or persons
entitled to receive the shares, a certificate or certificates for the number of
full shares of Common Stock issuable upon such exercise, together with cash in
lieu of any fraction of a share as provided above.

     7.   CERTIFICATE OF ADJUSTMENT. Whenever the Warrant Price is adjusted as
provided in Section 2, the Company shall promptly deliver to the record holder
of this Warrant a certificate of an officer of the Company setting forth the
relevant Warrant Price or number of shares after such adjustment and setting
forth a brief statement of the facts requiring such adjustment.

     8.   COMPLIANCE WITH SECURITIES ACT. The Holder, by acceptance of this
Warrant, agrees that this Warrant and the shares of Common Stock to be issued
upon its exercise (or shares of any security into which such Common Stock may be
converted) (the "Shares") are being acquired for investment and that the Holder
will not offer, sell, or otherwise dispose of this Warrant and any shares of
Common Stock to be issued upon its exercise (or shares of any security into
which such Common Stock may be converted) except under circumstances which will
not result in a violation of the Securities Act of 1933, as amended (the
"Securities Act"). Upon exercise of this Warrant, the Holder shall, if requested
by the Company, confirm in writing its investment purpose and acceptance of the
restrictions on transfer of the Shares.

     9.   REGISTRATION RIGHTS.

          PIGGY-BACK REGISTRATION RIGHTS. If, at any time after the five (5)
month anniversary of the Issuance Date and ending ten (10) years thereafter, the
Company shall determine to register under the Securities Act any shares of
Common Stock to be offered for cash by it or others, pursuant to a registration
statement on Form S-3 or its equivalent (the "Registration Statement"), the
Company will (i) promptly give written notice to Holder of its intention to file
such Registration Statement and (ii) at the Company's expense (which shall
include, without limitation, all registration and filing fees, printing
expenses, fees and disbursements of counsel and independent accountants for the
Company, and fees and expenses incident to compliance with state securities law,
but shall not include fees and disbursements of counsel for Holder) include
among the securities covered by the Registration Statement such portions of the
Shares then held by Holder as shall be specified in a written request to the
Company within thirty (30) days after the date on which the Company gave the
notice described in (i) above.

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          Upon receipt of such written request and of the Shares specified in
the request (any shareholder requesting registration being individually called a
"Selling Shareholder"), the Company shall (i) use its reasonable best efforts to
effect the registration, qualification or compliance of the Shares under the
Securities Act and under any other applicable federal law and any applicable
securities or blue sky laws of jurisdictions within the United States; (ii)
furnish each Selling Shareholder such number of copies of the prospectus
contained in the Registration Statement filed under the Securities Act
(including preliminary prospectus) in conformity with the requirements of the
Securities Act, and such other documents as the Selling Shareholder may
reasonably request in order to facilitate the disposition of the Shares covered
by the Registration Statement; (iii) notify each Selling Shareholder, at any
time when a prospectus relating to the Shares covered by such Registration
Statement is required to be delivered under the Securities Act, of the happening
of any event as a result of which the prospectus forming a part of such
Registration Statement, as then in effect, includes an untrue statement of a
material fact or omits to state any material fact required to be stated therein
or necessary to make the statements therein not misleading; and (iv) at the
request of the Selling Shareholder, prepare and furnish to the Selling
Shareholder any reasonable number of copies of any supplement to or amendment of
such prospectus as may be necessary so that, as thereafter delivered to
purchasers of the Shares, such prospectus shall not include an untrue statement
of a material fact or omit to state a material fact required to be stated
therein or necessary to make the statements therein not misleading.

          (a)  REGISTRATION OF UNDERWRITTEN OFFERING. If the offering of Common
Stock to be registered by the Company pursuant to the Registration Statement is
underwritten, each Selling Shareholder shall sell the Shares to or through the
underwriter(s) of the Common Stock being registered for the account of the
Company or others upon the same terms applicable to the Company or others. If
the managing underwriter(s) reasonably determine that all or any portion of the
Shares held by the Selling Shareholder should not be included in the
Registration Statement, then notwithstanding anything to the contrary in this
Section, the determination of such underwriter(s) shall be conclusive; provided,
however, that if such underwriter(s) determine that some but not all of the
Shares of the Selling Shareholder shall be included in the Registration
Statement, the number of Shares owned by each Selling Shareholder to be included
in the Registration Statement will be proportionately reduced in accordance with
the respective written requests given as provided above.

          (b)  INDEMNIFICATION. In the event that the Shares are included in a
Registration Statement under this Section 9, the Company will indemnify and hold
harmless each Selling Shareholder and each other person, if any, who controls
such Selling Shareholder within the meaning of Section 15 of the Securities Act
against any losses, claims, damages or liabilities, joint or several, to which
such Selling Shareholder or controlling person may become subject under the
Securities Act or otherwise, insofar as such losses, claims, damages or
liabilities (or actions in respect thereof) arise out of are based upon any
untrue statement or alleged untrue statement of any material fact contained in
the Registration Statement pursuant to which the Shares were registered, any

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preliminary prospectus or final prospectus contained therein, or any amendment
or supplement thereto, or arise out of or are based upon the omission or alleged
omission to state a material fact required to be stated therein or necessary to
make the statements not misleading, or arise out of or are based upon the
failure by the Company to file any amendment or supplement to the Registration
Statement that was required to be filed under the Securities Act, and will
reimburse such Selling Shareholder and each such controlling person for any
legal or any other expenses reasonably incurred by them in connection with
investigating or defending any such loss, claim, damage, liability or action.

          Notwithstanding the foregoing, the Company will not be liable in any
such case to a Selling Shareholder to the extent that any such loss, claim,
damage, or liability arises out of or is based upon an untrue statement or
omission made in such Registration Statement, preliminary prospectus, final
prospectus or amendment or supplement in reliance upon and in conformity with
written information furnished to the Company through an instrument duly executed
by or on behalf of that Selling Shareholder specifically for use in the
preparation of such Registration Statement, preliminary prospectus, final
prospectus, or amendment or supplement. It shall be a condition precedent to the
obligation of the Company to take any action pursuant to this Section that the
Company shall have received an undertaking satisfactory to it from each Selling
Shareholder to indemnify and hold harmless the Company (in the same manner and
to the same extent as set forth in this Section), each director of the Company,
each officer who shall sign such Registration Statement, and any persons who
control the Company within the meaning of the Securities Act, with respect to
any statement or omission from such Registration Statement, preliminary
prospectus, or any final prospectus contained therein, or any amendment or
supplement thereto, if such statement or omission was made in reliance upon and
in conformity with written information furnished to the Company through an
instrument duly executed by the indemnifying party specifically for use in the
preparation of such Registration Statement, preliminary prospectus, final
prospectus, or amendment or supplement.

          Promptly following receipt by an indemnified party of notice of the
commencement of any action involving a claim referred to above in this Section
9(c), such indemnified party will, if a claim in respect thereof is to be made
against an indemnifying party, give written notice to the latter of the
commencement of such action; provided, however, that any failure to so notify an
indemnifying party shall not relieve such indemnifying party from any liability
hereunder to the extent it is not materially prejudiced as a result and in any
event shall not relieve it from any liability which it may have otherwise on
account of this indemnity agreement. An indemnifying party may participate at
its own expense in the defense of any such action; provided, however, that
counsel to the indemnifying party shall not (except with the consent of the
indemnified party) also be counsel to the indemnified party. In no event shall
the indemnifying parties be liable for fees and expenses of more than one
counsel (in addition to any local counsel) separate from their own counsel for
all indemnified parties in connection with any one action or separate but
similar or related actions in the same jurisdiction arising

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out of the same general allegations or circumstances. No indemnifying party
shall, without the prior written consent of the indemnified parties, settle or
compromise or consent to the entry of any judgment with respect to any
litigation, or any investigation or proceeding by any governmental agency or
body, commenced or threatened, or any claim whatsoever in respect of which
indemnification or contribution could be sought under this Section 9 or Section
10 below (whether or not the indemnified parties are actual or potential
parties), unless such settlement, compromise or consent (i) includes an
unconditional release of each indemnified party from all liability arising out
of such litigation, investigation, proceeding or claim and (ii) does not include
a statement as to or an admission of fault, culpability or a failure to act by
or on behalf of any indemnified party.

          (c)  BINDING PROVISIONS. The provisions of this Section 9 shall be
binding on the successors of the Company.

          (d)  CONFLICTS. To the extent that the Company's compliance with the
obligations set forth in Sections 9(a) through 9(d) above would conflict with or
otherwise cause a breach of or default under any of its existing obligations
pursuant to any agreements to which it currently is a party, the Company's
failure to comply with those obligations shall not be deemed a breach of this
agreement.

          (e)  TRANSFER OF REGISTRATION RIGHTS. The rights to cause the Company
to register the Shares granted to the Holder by the Company under this Section 9
may be assigned by the Holder to a transferee or assignee of this Warrant or any
of the Shares, provided that the Company is given written notice by the Holder
at the time of or within a reasonable time after said transfer, stating the name
and address of the transferee or assignee and identifying the Shares with
respect to which the registration rights are being assigned.

     10.  CONTRIBUTION.

          (a)  If the indemnification provided for in Section 9 above is for any
reason unavailable or insufficient to hold harmless an indemnified party in
respect of any losses, liabilities, claims, damages or expenses referred to in
Section 9, then each indemnifying party shall contribute to the aggregate amount
of such losses, liabilities, claims, damages and expenses incurred by such
indemnified party (i) in such proportion as is appropriate to reflect the
relative benefits received by the Selling Shareholder on the one hand and the
Company on the other hand from the offer and sale of the Purchase Shares
pursuant to this Agreement, or (ii) if the allocation provided by clause (i) is
not permitted by applicable law, in such proportion as is appropriate to reflect
not only the relative benefits referred to in clause (i) above but also the
relative fault of the Selling Shareholder on the one hand and of the Company on
the other hand in connection with the statements or omissions which resulted in
such losses, liabilities, claims, damages or expenses, as well as any other
relevant equitable considerations.

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          (b)  The relative fault of the Company on the one hand and the Selling
Shareholder on the other hand shall be determined by reference to, among other
things, whether any such untrue or alleged untrue statement of a material fact
or omission or alleged omission to state a material fact relates to information
supplied by the Company or by the Selling Shareholder and the parties' relative
intent, knowledge, access to information and opportunity to correct or prevent
such statement or omission.

          (c)  The Company and the Selling Shareholder agree that it would not
be just and equitable if a contribution pursuant to this Section 10 were
determined by pro rata allocation or by any other method of allocation which
does not take account of the equitable considerations referred to above. The
aggregate amount of losses, liabilities, claims, damages and expenses incurred
by an indemnified party and referred to above in this Section 10 shall be deemed
to include any legal or other expenses reasonably incurred by such indemnified
party in investigating, preparing or defending against any litigation, or any
investigation or proceeding by any governmental agency or body, commenced or
threatened, or any claim whatsoever based upon any such untrue or alleged untrue
statement or omission or alleged omission.

          (d)  No person guilty of fraudulent misrepresentation (within the
meaning of Section 11(f) of the Securities Act) shall be entitled to
contribution from any person who was not guilty of such fraudulent
misrepresentation.

          (e)  For purposes of this Section 10, each person, if any, who
controls the Selling Shareholder within the meaning of Section 15 of the
Securities Act or Section 20 of the Securities Exchange Act of 1934 ("1934 Act")
shall have the same rights to contribution as such Selling Shareholder, and each
director of the Company, each officer of the Company, and each person, if any,
who controls the Company within the meaning of Section 15 of the Securities Act
or Section 20 of the 1934 Act shall have the same rights to contribution as the
Company.

     11.  SUBDIVISION OF WARRANT. At the request of the holder of this Warrant
in connection with a transfer or exercise of a portion of the Warrant and upon
surrender of this Warrant for such purpose to the Company, the Company at its
expense (except for any transfer tax payable) will issue in exchange warrants of
like tenor and date representing in the aggregate the right to purchase such
number of shares of Common Stock as shall be designated by such holder at the
time of such surrender; provided, however, that the Company's obligations to
subdivide securities under this Section shall be subject to and conditioned upon
the compliance of any such subdivision with applicable state securities laws and
with the Securities Act.

     12.  NOTICES OF RECORD DATE. In case:

          (a)  the Company shall take a record of the holders of its Common
Stock (or other stock or securities at the time receivable upon the exercise of
the Warrant) for the purpose of entitling them to receive any dividend or other
distribution, or any

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rights to subscribe for or purchase any shares of stock of any class or any
other securities, or to receive any other right, or

          (b)  of any capital reorganization of the Company, any
reclassification of the capital stock of the Company, any consolidation or
merger of the Company with or into another corporation, or any conveyance of all
or substantially all of the assets of the Company to another corporation, or

          (c)  of any voluntary dissolution, liquidation or winding-up of the
Company; then, and in each such case, the Company will mail or cause to be
mailed to each holder of a Warrant at the time outstanding a notice specifying,
as the case may be, (i) the date on which a record is to be taken for the
purpose of such dividend, distribution or right, and stating the amount and
character of such dividend, distribution or right, or (ii) the date on which
such reorganization, reclassification, consolidation, merger, conveyance,
dissolution, liquidation or winding-up is to take place, and the time, if any is
to be fixed, as of which the holders of record of Common Stock or such other
stock or securities at the time receivable upon the exercise of the Warrant
shall be entitled to exchange their shares of Common Stock (or such other stock
or securities) for securities or other property deliverable upon such
reorganization, reclassification, consolidation, merger, conveyance,
dissolution, liquidation or winding-up. Such notice shall be mailed at least 30
days prior to the date therein specified.

     13.  LOSS, THEFT, DESTRUCTION, OR MUTILATION OF WARRANT. Upon receipt by
the Company of evidence reasonably satisfactory to it of the loss, theft,
destruction, or mutilation of this Warrant, and in the case of loss, theft, or
destruction, receipt of indemnity or security reasonably satisfactory to it and
reimbursement to the Company of all reasonable expenses incidental thereto, and
in the case of mutilation, upon surrender and cancellation of this Warrant, the
Company will make and deliver a new Warrant of like tenor and dates as of such
cancellation, in lieu of this Warrant.

     14.  MISCELLANEOUS. This Warrant shall be governed by the laws of the State
of California. The headings in this Warrant are for purposes of convenience and
reference only and shall not be deemed to constitute a part of this Warrant.
Neither this Warrant nor any term included may be changed, waived, discharged,
or terminated orally but only by an instrument in writing signed by the Company
and the registered holder. All notices and other communications from the Company
to the Holder shall be by telecopy or

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expedited courier service to the address furnished to the Company in writing by
the last holder of this Warrant who shall have furnished an address to the
Company in writing.

     15. EXERCISE PERIOD. The Exercise Period shall mean the period commencing
on _____________, 2000 and ending on ____________, 2005.

     ISSUED this ____ day of __________, 2000.

                                       FINET.COM, INC.
                                       a Delaware corporation

                                       By:
                                          -------------------------------------
                                          Rick Cossano
                                          President and Chief Executive Officer

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                               FORM OF ASSIGNMENT
                                 FINET.COM, INC.

     FOR VALUE RECEIVED the undersigned registered owner of this Warrant hereby
sells, assigns, and transfers unto the Assignee named below all of the rights of
the undersigned under the within Warrant, with respect to the number of shares
of Common Stock set forth below:

NAME OF ASSIGNEE               ADDRESS                   NUMBER OF SHARES

The undersigned does hereby irrevocably constitute and appoint _______________
_______________________ Attorney to make such transfer on the books of
FINET.COM, INC. maintained for the purpose, with full power of substitution in
the premises.

Dated:
      --------------------

                                        ------------------------------------
                                        Name of Warrant Holder

                                        Signature:
                                                  --------------------------

Witness:
        -------------------------------

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                                SUBSCRIPTION FORM
                                 FINET.COM, INC.

                 (To be executed only upon exercise of Warrant)

     The undersigned registered owner of this Warrant irrevocably exercises this
Warrant for and purchases ________________ of the number of shares of Common
Stock of FINET.COM, INC. purchasable with this Warrant, and herewith makes
payment therefor, all at the price and on the terms and conditions specified in
this Warrant.

Dated:
      --------------------

                                       ------------------------------------
                                       (Signature of Registered Owner)

                                       ------------------------------------
                                       (Street Address)

                                       ------------------------------------
                                       (City)     (State)     (Zip Code)

                                      -11-<Page>

                                                                   EXHIBIT 10.27

                        SETTLEMENT AGREEMENT AND RELEASE

          This Settlement Agreement and Release ("Agreement") is entered into
this 24th day of May, 2001, by and between Rick Cossano ("Cossano"), on the one
hand, and FiNet.com, Inc., a Delaware corporation ("Finet"), on the other hand.

                                    RECITALS

          WHEREAS, Cossano entered into an Employment and Compensation
Agreement, dated December 28, 1999, with FiNet to become President and Chief
Executive Officer of FiNet (the "FiNet Employment Agreement"); and

          WHEREAS, Cossano has chosen to voluntarily resign from his positions
as President and Chief Executive Officer of FiNet and as a director on FiNet's
Board of Directors and, also, his positions as President and Chief Executive
Officer of Monument Mortgage, Inc., FiNet's wholly owned subsidiary
("Monument"), and as a director on Monument's Board of Directors; and

          WHEREAS, Cossano has asked for and FiNet has agreed to provide certain
consideration, as set forth below, in order to assist him with his transition;
and

          WHEREAS, FiNet and Cossano are hereinafter sometimes collectively
referred to as "Party" or "Parties" for purposes of this Agreement; and

          NOW THEREFORE, the Parties, in consideration of the following
conditions, covenants, and promises agree as follows:

                                    AGREEMENT

A.   MONETARY CONSIDERATION

          1.   Under the terms of Section 10(b) of the FiNet Employment
Agreement, Cossano is entitled to receive six months of base salary as severance
pay in an amount of One Hundred Eighty Seven Thousand Five Hundred Dollars
($187,500). In addition, Cossano is entitled to receive a bonus in an amount of
Six Thousand Two Hundred Fifty Dollars ($6,250),

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which together equals and totals One Hundres Ninety Three Thousand seven Hundred
Fifty Dollars ($193,750) ("Severance Amount"). Since his resignation, Cossano
has received payments equal to his monthly base salary under FiNet's normal
payroll practices. Upon FiNet's receipt of an executed copy of this Agreement by
Cossano and the time periods for revoking the waivers and releases as set forth
in Section C herein have expired, FiNet will pay within seven (7) business days,
in a lump sum, the remaining portion of the Severance Amount which has not
already been paid to Cossano during the transition period following his
resignation.

          2.   As to the lump sum payment of the remaining portion of the
Severance Amount which has not already been paid to Cossano in the form of
salary, FiNet shall make no deduction for tax withholdings and shall not issue a
Form W-2, but shall issue a Form 1099 with respect to this payment. Each Party
acknowledges and agrees that the other Party has made no representation
regarding the tax consequences of any amounts paid or received by them pursuant
to this Agreement. Cossano agrees to pay his share of all FICA taxes and to pay
all federal and state income taxes owed by him as a result of his receipt of
this payment. Cossano agrees to defend, indemnify and hold harmless FiNet and
its subsidiaries, from any liability (including attorneys' fees, costs, interest
and penalties) required of FiNet or its subsidiaries by any governmental agency
as a result of Cossano's failure to pay any taxes owed by him as a result of
this payment. FiNet agrees to give Cossano notice of any inquiry, claim or
demand from any governmental agency concerning the payment of this sum prior to
incurring any related defense costs.

          3.   Cossano intends for payment of Severance Amount to be the total
sum received by Cossano and his former, current, past or future family members,
wives, children, spouses, partners, representatives, agents, principals,
attorneys, dependents, employees, insurers, physicians, successors, affiliates,
estates, executors, corporations, partners, members, heirs and assigns, or any
of them, in connection with, relating to, or arising out of the matters released
in this Agreement. No additional monetary sums or stock or options or warrants
of any kind or amount, including, but not limited to, economic or noneconomic
damages of any kind, tort

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damages, contract damages, attorneys' fees, costs, medical expenses, wages,
bonuses, liens or taxes are to be paid to Cossano or his partners,
representatives, agents, principals, attorneys, dependents, employees, medical
providers, insurers, successors, affiliates, estates, executors, firms, family
members, corporations, wives, partners, children, grandchildren, heirs and
assigns, or any of them, by FiNet or its respective past, current or future
partners, parents, subsidiaries, affiliates, predecessors, principals, joint
venturers, franchisees, franchisees' employees, independent contractors,
representatives, successors, assigns, owners, employees, attorneys, officers,
directors, shareholders, agents, heirs, family members, executors, indemnitees,
indemnitors, insureds and insurers.

B.   NO ADMISSION OF LIABILITY

          Cossano hereby acknowledges and agrees that the provisions of this
Agreement are made in compromise, and that by entering into this Agreement and
by performing the obligations hereunder, no Party or other person or entity
concedes or admits that any allegation, charge, claim or fact. Cossano further
acknowledges and agrees that neither the execution of this Agreement nor
anything contained herein is intended to be nor shall be construed for any
purpose by any person or entity whatsoever as an admission by any Party of any
liability of any kind or nature whatsoever.

C.   RELEASE

          1.   Except as otherwise provided herein, Cossano, in each and every
one of his respective capacities, on behalf of himself, and on behalf of any
person or entity who could claim by, through or under Cossano, including, but
not limited to, his respective past, present or future partners,
representatives, agents, partners, principals, attorneys, dependents, employees,
employers, health care providers, medical providers, insurers, successors,
affiliates, estates, executors, wives, family members, children, spouses,
grandchildren, parents, heirs and assigns, (collectively, "Releasors") hereby
releases and forever discharges FiNet and its respective present, past and
future partners, direct and indirect subsidiaries, affiliates, predecessors,
principals, joint venturers, franchisees, franchisees' employees, independent
contractors,

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indemnitors, indemnitees, family members, heirs, representatives, estates,
executors, dependents, parents, children, spouses, physicians, successors,
assigns, owners, employees, employers, attorneys, officers, directors,
shareholders, agents, unit holders, insureds and insurers, and all persons
acting by, through, or in any concert with any of them, and each of them,
(collectively referred to as "Releasees"), individually and jointly, from any
and all charges, complaints, promises, agreements, controversies, suits, rights,
demands, costs, losses, debts, actions, any tort, contract, statutory or other
causes of action, claims, judgments, obligations, damages, liabilities and
expenses, including, but not limited to, any claims for attorneys' fees and
costs, of whatever kind and character, known and unknown, suspected and
unsuspected, anticipated and unanticipated ("Claim" or "Claims"), which
Releasors, and each of them, now has, owns or holds, or claims to have owned or
held, against each or any of the Releasees on or before the Date of the
Execution of this Agreement, or may have against any of the Releasees in the
future based upon, arising out of, or relating to any act or conduct by any of
the Releasees occurring on or before the Date of Execution of this Agreement.

          2.   This release of all known and unknown, suspected or unsuspected,
anticipated or unanticipated Claims specifically includes without limitation:

          (a)  any Claims alleged or referred to, directly or indirectly, or in
any way connected with, or arising out of, or which may hereafter be claimed to
arise out of the FiNet Employment Agreement;

          (b)  any Claims for FiNet shares, options or warrants, salary,
benefits, bonuses, including, but not limited to, any Claims for shares, options
or warrants, salary, benefits, bonuses pursuant to the FiNet Employment
Agreement,

          (c)  any Claims arising out of, in connection with or relating to
events or circumstances involving FiNet or Monument which took place prior to or
during Cossano's tenure with FiNet or Monument; and

          (d)  any Claims arising out of, in connection with or relating to
Cossano's recruitment, hiring, relocation, employment or termination or
resignation of employment with

                                       -4-
<Page>

FiNet or Monument including, but not limited to, claims of: (i) employment
discrimination, harassment or retaliation arising out of or relating to Title
VII of the Civil Rights Act of 1964, as amended (42 U.S.C.A. Section 2000 ET
SEQ.), the federal Americans With Disabilities Act (42 U.S.C.A. Section 12101 et
seq.), the California Fair Employment and Housing Act (California Government
Code section 12900 ET SEQ.), the federal Occupational Safety and Health Act of
1970 (29 U.S.C.A. Section 651 ET SEQ.), the California Occupational Safety and
Health Act of 1973 (California Labor Code section 6300, ET SEQ.), the federal
Family and Medical Leave Act of 1993 (29 U.S.C. Section 2601 ET SEQ.), Labor
Code section 132a, or the United States and/or California Constitution
(specifically including any claims for violation of Article I, Section 1 and/or
8); or (ii) violation of the California Labor Code (specifically including any
claims for disputed compensation and vacation pay), or the federal Fair Labor
Standards Act and the federal Equal Pay Act of 1963 (29 U.S.C.A. Section 201 ET
SEQ.); or (iii) violation of the Confidentiality of Medical Information Act
(California Civil Code section 56 ET SEQ.); for retirement benefits under the
Employee Retirement Income Security Act (Title 29 U.S.C.A. Section 1000 ET
SEQ.); benefits under the California workers' compensation laws relating to
Cossano's recruitment, hiring, employment, termination, resignation of
employment with FiNet or Monument, or (iv) any other tort, statutory or contract
claim arising under federal, state or local statutes, regulations, ordinances or
common law, including but not limited to: RICO claims, RESPA claims, whistle
blower claims, other statutory claims, constructive discharge claims, wrongful
discharge in violation of public policy claims, defamation claims, invasion of
privacy claims, emotional distress claims, loss of consortium claims,
intentional or negligent interference with prospective economic advantage
claims, and misrepresentations claims.

          3.   It is expressly understood by the Releasors, and each of them,
that the release given by the Releasors, and each of them, pursuant to this
Agreement, includes the release of all Claims, known or unknown, anticipated or
unanticipated, suspected or unsuspected, which the Releasors, and each of them,
may have against the Releasees, and each of them, arising prior to the Date of
Execution of this Agreement.

                                       -5-
<Page>

          4.   The Releasors, and each of them, expressly declare that they have
read, understood and knowingly waived any and all rights each of them may have
under the provisions of California Civil Code Section 1542 and any comparable
federal or state statute or rule of law. California Civil Code Section 1542
provides as follows:

          A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES
          NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE
          RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS
          SETTLEMENT WITH THE DEBTOR.

          5.   In this connection, the Releasors, and each of them, hereby
agree, represent and warrant that they realize and acknowledge that factual
matters now unknown may have given or hereafter may give rise to Claims, causes
of action, demands, debts, damages, costs, losses and expenses which are now
unknown, unanticipated and unsuspected, and the Releasors, and each of them,
agree and represent that this Release has been negotiated and agreed upon in
light of this realization, and that the Releasors, and each of them,
nevertheless, hereby intend to assume such risk and to release, discharge and
acquit the Releasees, and each of them, from any such known or unknown,
anticipated or unanticipated, suspected or unsuspected Claims, causes of action,
demands, debts, controversies, damages, costs, fees, losses and/or expenses
which are in any way related to the matters described hereinabove or otherwise
and which accrued by virtue of any act or omission which occurred prior to the
Date of Execution of this Agreement.

          6.   The general release contained in this Agreement specifically
includes a waiver and release of all claims which Cossano may have under the
federal Age Discrimination In Employment Act, as amended, 29 U.S.C. Section 621,
ET. SEQ. (hereinafter referred to as "ADEA") or under the federal Americans With
Disabilities Act (42 U.S.C.A. Section 12101 et seq. ("ADA") based on his
employment with Finet, or the cessation of his employment with Finet, or any act
or event or omission occurring on or before the date on which Employee

                                       -6-
<Page>

executes this Agreement. The ADEA and ADA releases contained herein does not
cover rights or claims which may arise after the date on which Cossano signs
this Agreement. By signing this Agreement, Employee acknowledges and agrees that
he has been advised to consult with an attorney before signing this Agreement;
that he has up to twenty-one (21) calendar days from the date he is presented
with this Agreement to consider whether or not to sign it; that he is knowingly
and voluntarily waiving and releasing his rights under the ADEA and ADA only in
exchange for consideration (something of value) in addition to anything of value
to which he is otherwise entitled, and that if he signs this Agreement, he will
have the right to revoke the waiver and release of claims under the ADEA and the
ADA within seven (7) calendar days of signing this Agreement and that the ADEA
and ADA release shall not become effective or enforceable until after this
revocation period has expired. Cossano may revoke this Agreement by delivering a
written notice to the address listed below which is received by FiNet within
eight (8) days of his signing this Agreement: FiNet.com, Inc., Attn. Allen
Malmuth, 2527 Camino Ramon, Suite 200, San Ramon, CA 94583. The ADEA and ADA
releases and waivers described in this paragraph are of the essence to this
Agreement and revocation of the ADEA or ADA waivers and releases shall
constitute revocation of this entire Agreement and, in such event, FiNet will
have no obligation hereunder, including, but not limited to, no obligation to
pay any sums.

          7.   Cossano represents and warrants to each of the Releasees that
Cossano is the owner of the Claims being released hereby, and that he has not
previously assigned, transferred, hypothecated, or purported to assign, transfer
or hypothecate any claim or portion thereof which is not released hereby to any
other person or entity. Cossano hereby agrees to defend, indemnify and hold
harmless the Releasees from any of the Claims released hereby.

D.   THE ABSENCE OF ANY LIEN HOLDER OR SUBROGATION RIGHTS.

          Cossano and Finet, and each of them, represent, warrant and covenant
to each other that no lien holder exists and no persons or entities have any
subrogation rights, including but not limited to insurers, governmental agencies
or governmental programs, with regard to either the monetary consideration being
paid by FiNet under this Agreement or any of the claims

                                       -7-
<Page>

released by the Releasees, and each of them, pursuant to this Agreement.
Cassano, and each of them, agrees to indemnify, hold harmless and defend the
Releasees, and each of them, should any person or entity assert a lien or
subrogation right with respect to any claim released under this Agreement. With
regard to the monetary consideration paid by FiNet pursuant to this Agreement,
FiNet agrees to indemnify, hold harmless and defend Cassano should any person or
entity assert a lien or subrogation right with respect to the monetary
consideration.

E.   RECITALS.

          The recitals contained in this Agreement are hereby made a part of the
terms and provisions of this Agreement, and shall be binding on the Parties as
if fully set forth herein.

F.   CONFIDENTIALITY AND NON-DISPARAGEMENT.

          1.   Cossano has not and will not communicate the terms or conditions
of this Agreement to any other person or entity or local, state or federal
agency, including but not limited to, members of the media, unless ordered to do
so by a Court of competent jurisdiction in which case such disclosure will be
made under Court ordered seal, to the extent possible, and the absolute minimum
necessary disclosure will be made. Notwithstanding the foregoing, Cossano may
disclose such terms in confidence to his or her attorneys, accountants, tax
advisors, and spouse, provided that such persons also agree to this pledge of
confidentiality, and may make the minimum disclosure necessary to file tax
returns or to the extent necessary to enforce this Agreement.

          2.   FiNet agrees that it will only disclose the terms or conditions
of this Agreement to individuals or entities with a legitimate need-to-know and
may disclose this Agreement to the extent necessary to comply with all federal
or state law, including, but not limited to, securities and tax law.

                                       -8-
<Page>

          3.   Cossano shall not make any voluntary statement of any kind which
is disparaging to Finet, or its subsidiaries or to their respective past or
present directors, officers or management employees, and shall not make any
voluntary statement of any kind which is calculated to, or which foreseeably
will, damage the business or reputation of Finet, or its subsidiaries or their
respective past or present directors, officers or management employees.

          4.   Finet, through its directors and officers, will not make any
voluntary statement of any kind which is disparaging to Cossano or which is
calculated to, or which foreseeably will, damage Cossano's reputation. FiNet
will inform its directors and officers of this provision and will direct them
not to make any such statements.

G.   EMPLOYMENT RESIGNATION

          1.   The Parties agree that Cossano voluntarily resigned from his
employment with Finet.

          2.   Cossano agrees and reaffirms that Sections 4, 7, 10, 11, 12, 13,
14, 15 and 16 of the FiNet Employment Agreement survived its termination due to
Cossano's resignation; and agrees, covenants and warrants that Cossano has and
will continue to comply with Sections 4, 7, 10, 11, 12, 13, 14, 15 and 16 of the
FiNet Employment Agreement.

          3.   In the event an inquiry is made about Cossano, the head of human
resources at FiNet would respond to the inquiry and advise that Cossano
voluntarily resigned from his position as Finet's President and Chief Executive
Officer, provide the dates of employment, and not provide any other information.

H.   NO OTHER COMPLAINTS.

          1.   Cossano represents, warrants and covenants that he has not filed
or reported and will not file or report any administrative, civil or criminal
complaints or lawsuits against the Releasees concerning the matters which took
place during or prior to Cossano's tenure at FiNet or Monument or anything else,
including, but not limited to, civil or administrative complaints with any
local, state or federal agency or court.

                                       -9-
<Page>

          2.   Cossano represents, warrants and covenants that, if any agency or
court assumes jurisdiction of any complaint or lawsuit against Releasees on
behalf of Cossano, he will request that such agency or court withdraw from the
matter and will not accept, either directly or indirectly, any remedy obtained
through the efforts of such agency or court.

          3.   Cossano warrants and covenants not to assist voluntarily, or
otherwise encourage or cooperate with, anyone in the filing of any civil or
governmental or administrative complaint or lawsuit (or participate in any class
action) against the Releasees. Nothing contained in this Agreement, however,
shall be construed to interfere in any way with Cossano's legal obligations
pursuant to a subpoena or other government compelled process.

I.   DEFENSE TO SUBSEQUENT ACTIONS.

          This Agreement may be pled as a full and complete defense to, as well
as used as the basis for, an injunction against any action, claim, suit,
arbitration or other proceeding which may be instituted, prosecuted or
maintained in breach of this Agreement.

J.   ENTIRE AGREEMENT AND DISPUTES UNDER THE AGREEMENT.

          1.   This Agreement constitutes the entire agreement between the
Parties with reference to the subject matter contained herein, and all prior
negotiations and understandings between the Parties are merged into and
superceded by this Agreement.

          2.   Any dispute or claims arising out of or related to this Agreement
will first be mediated through and at the offices of Judicial Arbitration and
Mediation Services' ("JAMS") San Francisco's office. If the dispute or claim is
not resolved through mediation, the dispute or claim will be arbitrated at JAMS'
San Francisco Office before a retired Judge (who did not participate in the
mediation), after the Parties have had the opportunity to undertake written and
oral discovery, including depositions. The prevailing Party will be entitled to
recover their costs, including reasonable attorneys' fees.

K.   MODIFICATIONS OR AMENDMENTS.

          This Agreement may not be altered, modified, amended or changed in any
respect or particular whatsoever, except by a writing duly executed by all of
the Parties.

                                      -10-
<Page>

L.   OPPORTUNITY TO CONSULT WITH ATTORNEY.

          Cossano hereby agrees, represents and warrants (a) that he has had the
opportunity to consult an attorney concerning the content and legal effect of
this Agreement; (b) that he has read this Agreement or has had the same read to
her by his counsel; and (c) that he is fully aware of its contents and legal
effect.

M.   INTERPRETATION OF THE AGREEMENT.

          1.   The validity, interpretation and performance of this Agreement
shall be controlled by, and construed under the laws of the State of California.

          2.   The paragraph headings hereof are for the convenience of the
Parties only and shall be given no substantive or interpretive effect
whatsoever.

          3.   Cossano acknowledges that the Agreement has been jointly drafted
by the Parties and that they have reviewed and revised the Agreement, or have
had the opportunity to revise the Agreement; accordingly, any ambiguity
contained herein shall not be construed for or against any Party.

N.   SEVERABILITY.

          If any provision or part of this Agreement is held to be invalid,
illegal, void or unenforceable for any reason whatsoever, the remaining
provisions or parts hereof shall nevertheless continue in full force and effect
without being impaired or invalidated in any way, except where otherwise so
provided in this Agreement.

O.   NO WAIVER.

          The waiver by any Party of the performance of any covenant, condition,
promise or representation contained herein shall not invalidate this Agreement,
nor shall it be considered a waiver of any other covenant, condition, promise or
representation, nor shall it be considered an agreement to waive the same
covenant, condition or promise in the future.

P.   IF THE AGREEMENT DOES NOT BECOME EFFECTIVE.

          The Parties agree that if this Agreement does not become effective for
any reason, this Agreement shall be deemed negotiations for settlement purposes
only and will not be

                                      -11-
<Page>

admissible in evidence for any purposes whatsoever, and will not be admissible
at any arbitration, trial or appeal, except that this Agreement may be
introduced in a proceeding to enforce the Parties' settlement.

Q.   ATTORNEYS' FEES.

          Each Party shall pay their own, respective attorneys' fees and costs
with regard to the Claims resolved hereby and in the preparation of this
Agreement.

R.   SUCCESSORS AND HEIRS.

          Cossano expressly covenant and agree that this Agreement shall inure
to the benefit of, and be binding upon, their respective heirs, administrators,
executors, representatives, family members, wives, children, firms, successors,
trustees, insurers, beneficiaries, and assigns.

S.   BINDING AGREEMENT.

          This document may be signed in counterparts, and as executed, shall
constitute one binding agreement, notwithstanding that all the Parties are not
signatories to the original or same counterparts.

T.   DATE OF EXECUTION.

          The date set forth in the first paragraph of this Agreement shall be
known as the "Date of Execution" of this Agreement.

          IN WITNESS WHEREOF, Cossano and Finet, and each of them, have executed
this Agreement, effective as of the date first above written.

 /s/ Rick Cossano                      FINET.COM, INC.
--------------------------------------
RICK COSSANO

                                       By:  /s/ L. Daniel Rawitch
                                          ---------------------------------
                                       Its: Interim Chief Executive Officer
                                          ---------------------------------

                                      -12-

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