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Exhibit 10.8  

Grant No.       

 
 

CREDITCARDS.COM    
    
    2008 EQUITY INCENTIVE PLAN
  RESTRICTED STOCK UNIT GRANT NOTICE    
    

CreditCards.com
(the "Company"), pursuant to its 2008 Equity Incentive Plan (the "Plan"), hereby grants
to the participant, as set forth below (the "Participant"), restricted stock units covering the number of shares of the Company's common stock (the
"Common Stock") set forth below (the "Stock Units"). Each Stock Unit represents a right to receive one
hypothetical share of Common Stock, or at the Company's discretion, cash equal in value to one share of Common Stock. The Stock Units are subject to all of the terms and conditions as set forth in
this Restricted Stock Unit Grant Notice (the "Grant Notice"), the Restricted Stock Unit Agreement, and the Plan, all of which are attached hereto and
incorporated herein in their entirety. 

Participant:

Date
of Grant: 

Vesting
Commencement Date: 

Number
of Shares Subject to Stock Units: 

Vesting
Schedule: 

Additional Terms/Acknowledgements:    The undersigned Participant acknowledges receipt of, and understands and agrees to the terms and
conditions of this Grant Notice, the Restricted Stock Unit Agreement, and the Plan. Participant further acknowledges that as of the Date of Grant, this Grant Notice, the Restricted Stock Unit
Agreement and the Plan set forth the entire understanding between Participant and the Company regarding the acquisition of restricted stock units and the stock in the Company covered by the restricted
stock units and supersede all prior oral and written agreements relating thereto, with the exception of other awards, if any, previously granted and delivered to Participant under the Plan. 

	CREDITCARDS.COM, INC.	 	PARTICIPANT
	    	 	 	 	 
	By:	    
	 	    
 Signature
	

Its:	

    
	
 	

 	

 
	

Address:	

13809 Research Blvd.

Suite 906

Austin, Texas 78750	
 	

Address:	

    

    

ATTACHMENTS:
2008 Equity Incentive Plan and Restricted Stock Unit Agreement. 

 
 

CREDITCARDS.COM    
    
    2008 EQUITY INCENTIVE PLAN
  RESTRICTED STOCK UNIT AGREEMENT    
    

        THIS RESTRICTED STOCK UNIT AGREEMENT (the "Agreement"), dated on the grant date as set forth in the Restricted
Stock Unit Grant Notice (the "Grant Date") between CreditCards.com., a Delaware corporation ("Company"),
and the employee, director or consultant as stated in the Restricted Stock Unit Grant Notice (the "Participant"), is entered into as follows: 

        WHEREAS,
the continued participation of the Participant is considered by the Company to be important for the Company's continued growth; and 

        WHEREAS,
in order to give the Participant an incentive to continue in the employ of the Company and to assure his or her continued commitment to the success of the Company, the
Compensation Committee of the Board of Directors of the Company or its delegates ("Committee") has determined that the Participant shall be granted
stock units representing hypothetical shares of the Company's common stock ("Stock Units"), with each Stock Unit equal in value to one share of the
Company's common stock (the "Stock"), subject to the restrictions stated below and in accordance with the terms and conditions of the CreditCards.com
2008 Equity Incentive Plan (the "Plan"), a copy of which can be obtained by written or telephonic request to the Chief Financial Officer and the
Restricted Stock Unit Grant Notice. 

        THEREFORE,
the parties agree as follows: 

        1.     Grant of Stock Units.    Subject to the terms and conditions of this Agreement and of
the Restricted Stock Unit Grant Notice (the "Grant Notice") and of the Plan, the Company hereby grants to the Participant Stock Units covering the
number of shares of Stock as stated in the Grant Notice (including such terms as defined in the Plan, the "Shares"). 

        2.     Vesting Schedule.    Subject to the limitations contained herein, the interest of the
Participant in the Stock Units shall vest as provided in the Grant Notice; provided however, that vesting shall cease upon the Participant's Termination of Employment. The period of time between the
date hereof and the date the Stock Units become fully vested is referred to herein as the "Restriction Period." 

        3.     Benefit Upon Vesting.    Upon the vesting of the Stock Units, the Participant shall be
entitled to receive, as soon as administratively practicable, the Shares or a combination of cash or cash and the Shares, as the Company determines in its sole discretion, equal to: 

        (a)   the
number of Stock Units that have vested multiplied by the Fair Market Value (as defined in the Plan) of a share of Stock on the date on which such Stock Units vest,
and 

        (b)   a
dividend equivalent payment determined by 

        (1)   multiplying
the number of Stock Units outstanding on each dividend payment date by the dividend per share of Stock to determine the dividend equivalent amount for each
dividend payment date; 

        (2)   dividing
the amount determined in (1) above by the Fair Market Value of a share of Stock on the date of such dividend payment to determine the number of
additional Stock Units to be credited to the Participant; and 

        (3)   multiplying
the number of additional Stock Units determined in (2) above by the Fair Market Value of a share of Stock on the vesting date to determine the
aggregate amount of dividend equivalent payments for such vested Stock Units; 

provided,
however, that if any aggregated dividend equivalent payments in paragraph (b)(3) above results in a payment of a fractional Share, such fractional share shall be rounded up to the
nearest whole Share. 

        4.     Restrictions.

        (a)   Except
as otherwise provided for in this Agreement, the Stock Units or rights granted hereunder may not be sold, pledged or otherwise transferred. 

        (b)   Except
as otherwise provided for in this Agreement, if the Employee's employment with the Company is terminated at any time for any reason (including as a result of the
Employee's death or disability (including a Total and Permanent Disability) prior to the lapse of the Restriction Period, or the Participant otherwise experiences a Termination of Employment during
the Restriction Period, all Stock Units granted hereunder that have not vested by such termination date and that are held by the Participant as of such date shall be forfeited by, and no further
rights shall accrue to, the Participant. 

        5.     No Stockholder Rights.    Stock Units represent hypothetical shares of Stock. During the
Restriction Period, except as set forth in Section 3(b) above, the Participant shall not be entitled to any of the rights or benefits generally accorded to stockholders. 

        6.     Taxes.

        (a)   The
Participant shall be liable for any and all taxes, including withholding taxes, arising out of this grant or the vesting of Stock Units hereunder. In the event that
the Company or the Participant's Employer (the "Employer") is required to withhold taxes as a result of the grant or vesting of Stock Units, or
subsequent sale of Stock acquired pursuant to such Stock Units, or due upon receipt of dividend equivalent payments, the Participant shall surrender a sufficient number of whole shares of such Stock
or make a cash payment as necessary to cover all applicable required withholding taxes and required social security contributions at the time at which the Employer is required to remit such
withholding amounts (e.g., when the restrictions on the Stock Units lapse) unless alternative procedures for such payment are established by the Company. The Participant will receive a cash refund for
any fraction of a surrendered share not necessary for required withholding taxes and required social insurance contributions. To the extent that any surrender of Stock or payment of cash or
alternative procedure for such payment is insufficient, the Participant authorizes the Company, its Affiliates and Subsidiaries, which are qualified to deduct tax at source, to deduct all applicable
required withholding taxes and social security contributions from the Participant's compensation. The Participant agrees to pay any amounts that cannot be satisfied from wages or other cash
compensation, to the extent permitted by law. 

        (b)   Regardless
of any action the Employer takes with respect to any or all income tax, social insurance, payroll tax, payment on account or other tax-related
withholding ("Tax-Related Items"), the Participant acknowledges and agrees that the ultimate liability for all Tax-Related Items legally due by him is and remains the
Participant's responsibility and that the Company and/or the Employer (i) make no representations nor undertakings regarding the treatment of any Tax-Related Items in connection
with any aspect of this grant of Stock Units, including the grant and vesting of Stock Units, subsequent payment of Stock and/or cash related to such Stock Units or the subsequent sale of any Stock
acquired pursuant to such Stock Units and receipt of any dividend equivalent payments; and (ii) do not commit to structure the terms or any aspect of this grant of Stock Units to reduce or
eliminate the Participant's liability for Tax-Related Items. The Participant shall pay the Company or the Employer any amount of Tax-Related Items that the Company or the
Employer may be required to withhold as a result of the Participant's participation in the Plan or the Participant's receipt of Stock Units that cannot be satisfied by the means previously described.
The Company may refuse to deliver the benefit described in Section 3 if the Participant fails to comply with the Participant's obligations in connection with the Tax-Related Items. 

        7.     Data Privacy Consent.    The Participant hereby explicitly and unambiguously consents to
the collection, use and transfer, in electronic or other form, of the Participant's personal data as described in this document by and among, as applicable, the Company, its Subsidiaries, its
Affiliates and the Employer for the exclusive purpose of implementing, administering and managing the Participant's participation in the Plan. The Participant understands that the Company, its
Affiliates, its Subsidiaries 

and
the Employer hold certain personal information about the Participant, including, but not limited to, name, home address and telephone number, date of birth, social security or insurance number or
other identification number, salary, nationality, job title, any shares of stock or directorships held in the Company, details of all options or any other entitlement to shares of stock awarded,
canceled, purchased, exercised, vested, unvested or outstanding in the Participant's favor for the purpose of implementing, managing and administering the Plan ("Data"). The Participant understands
that the Data may be transferred to any third parties assisting in the implementation, administration and management of the Plan, that these recipients may be located in the Participant's country or
elsewhere and that the recipient country may have different data privacy laws and protections than the Participant's country. The Participant understands that he may request a list with the names and
addresses of any potential recipients of the Data by contacting the Chief Financial Officer at the Company. The Participant authorizes the recipients to receive, possess, use, retain and transfer the
Data, in electronic or other form, for the purposes of implementing, administering and managing the Participant's participation in the Plan, including any requisite transfer of such Data, as may be
required to a broker or other third party with whom the Participant may elect to deposit any Stock acquired under the Plan. The Participant understands that Data will be held only as long as is
necessary to implement, administer and manage participation in the Plan. The Participant understands that he may, at any time, view Data, request additional information about the storage and
processing of the Data, require any necessary amendments to the Data or refuse or withdraw the consents herein, in any case without cost, by contacting the local human resources representative in
writing. The Participant understands that refusing or withdrawing consent may affect the Participant's ability to participate in the Plan. For more information on the consequences of refusing to
consent or withdrawing consent, the Participant understands that he may contact Chief Financial Officer at the Company. 

        8.     Plan Information.    The Participant acknowledges that the Participant has received
copies of the Plan and the Plan prospectus from the Company and agrees to receive stockholder information, including copies of any annual report, proxy statement and periodic report, from the section
of the Company's web site at: http://www.creditcards.com. The Participant acknowledges that copies of the Plan, Plan prospectus, Plan information and
stockholder information are available upon written or telephonic request to the Chief Financial Officer. 

        9.     Acknowledgment and Waiver.    By accepting this grant of Stock Units, the Participant
acknowledges and agrees that: 

        (a)   the
Plan is established voluntarily by the Company, it is discretionary in nature and may be modified, amended, suspended or terminated by the Company at any time unless
otherwise provided in the Plan or this Agreement; 

        (b)   the
grant of Stock Units is voluntary and occasional and does not create any contractual or other right to receive future grants of Stock or Stock Units, or benefits in
lieu of Stock or Stock Units, even if Stock or Stock Units have been granted repeatedly in the past; 

        (c)   all
decisions with respect to future grants, if any, will be at the sole discretion of the Company; 

        (d)   the
Participant's participation in the Plan shall not create a right to further employment with Employer and shall not interfere with the ability of Employer to
terminate the Participant's employment or service relationship at any time with or without cause and it is expressly agreed and understood that employment is terminable at the will of either party,
insofar as permitted by law; 

        (e)   the
Participant is participating voluntarily in the Plan; 

        (f)    stock
units, stock unit grants and resulting benefits are not part of normal or expected compensation or salary for any purposes, including, but not limited to
calculating any severance, resignation, termination, redundancy, end of service payments, bonuses, long-service awards, pension or retirement benefits or similar payments insofar as
permitted by law; 

        (g)   in
the event that the Participant is not an employee of the Company, this grant of Stock Units will not be interpreted to form an employment contract or service
relationship with the 

Company,
and furthermore, this grant of Stock Units will not be interpreted to form an employment contract or service relationship with the Employer or any Subsidiary or Affiliate of the Company; 

        (h)   the
future value of the Shares is unknown, may increase or decrease from the date of grant or vesting of the Stock Unit and cannot be predicted with certainty; 

        (i)    in
consideration of this grant of Stock Units, no claim or entitlement to compensation or damages shall arise from termination of this grant of Stock Units or diminution
in value of this grant of Stock Units resulting from termination of the Participant's employment by the Company or the Employer (for any reason whatsoever and whether or not in breach of local labor
laws) and the Participant irrevocably releases the Company and the Employer from any such claim that may arise; if, notwithstanding the foregoing, any such claim is found by a court of competent
jurisdiction to have arisen, then, by accepting the terms of this Agreement, the Participant shall be deemed irrevocably to have waived any entitlement to pursue such claim; and 

        (j)    notwithstanding
any terms or conditions of the Plan to the contrary, in the event of involuntary termination of the Participant's employment (whether or not in breach of
local labor laws), the Participant's right to receive benefits under this Agreement, if any, will terminate effective as of the date that the Participant is no longer actively employed and will not be
extended by any notice period mandated under local law (e.g., active employment would not include a period of "garden leave" or similar period pursuant to local law); furthermore, in the event of
involuntary termination of employment (whether or not in breach of local labor laws), the Participant's right to receive benefits under this Agreement after termination of employment, if any, will be
measured by the date of termination of the Participant's active employment and will not be extended by any notice period mandated under local law; the Committee shall have the exclusive discretion to
determine when the Participant is no longer actively employed for purposes of this grant of Stock Units. 

        10.   Miscellaneous.

        (a) The
Company shall not be required to treat as the owner of Stock Units, and associated benefits hereunder, any transferee to whom such Stock Units or benefits shall have been
so transferred in violation of this Agreement. 

        (b)   The
parties agree to execute such further instruments and to take such action as may reasonably be necessary to carry out the intent of this Agreement. 

        (c)   Any
notice required or permitted hereunder shall be given in writing and shall be deemed effectively given upon delivery to the Participant at his address then on file
with the Company. 

        (d)   The
Plan is incorporated herein by reference. The Plan and this Agreement constitute the entire agreement of the parties with respect to the subject matter hereof and
supersede in their entirety all prior undertakings and agreements of the Company and the Participant with respect to the subject matter hereof, and may not be modified adversely to the Participant's
interest except by means of a writing signed by the Company and the Participant. This Agreement is governed by the laws of the state of Delaware. Certain other important terms governing this contract
are contained in the Plan. 

        (e)   If
the Participant has received this or any other document related to the Plan translated into a language other than English and if the translated version is different
than the English version, the English version will control. 

        (f)    The
provisions of this Agreement are severable and if any one or more provisions are determined to be illegal or otherwise unenforceable, in whole or in part, the
remaining provisions shall nevertheless be binding and enforceable. 

[Signature Page Follows]

	Accepted by Participant:	 	CREDITCARDS.COM
	

    	
 	

 	

 
	    
	 	By	    
 Officer Name:

Title:

RETAIN THIS AGREEMENT FOR YOUR RECORDS  

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CREDITCARDS.COM 2008 EQUITY INCENTIVE PLAN RESTRICTED STOCK UNIT GRANT NOTICE

CREDITCARDS.COM 2008 EQUITY INCENTIVE PLAN RESTRICTED STOCK UNIT AGREEMENTExhibit 10.24

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 5

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of this
Senior Term A Note in accordance with the terms of the Credit Agreement that
the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN
REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE
SECURITIES LAWS OF ANY STATE. THIS NOTE HAS BEEN ACQUIRED FOR INVESTMENT
PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION, AND NO TRANSFER, SALE OR OTHER
DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A REGISTRATION STATEMENT WITH
RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER SUCH ACT, AND SUCH REGISTRATION
OR QUALIFICATION AS MAY BE NECESSARY UNDER THE SECURITIES LAWS OF ANY STATE HAS
BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE  June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 6

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed this Senior Term A Note
as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc.

  (f/k/a DeMarseCo Holdings, Inc.),

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 7

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 8

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN
REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE
SECURITIES LAWS OF ANY STATE. THIS NOTE HAS BEEN ACQUIRED FOR INVESTMENT
PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION, AND NO TRANSFER, SALE OR OTHER
DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A REGISTRATION STATEMENT WITH
RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER SUCH ACT, AND SUCH REGISTRATION
OR QUALIFICATION AS MAY BE NECESSARY UNDER THE SECURITIES LAWS OF ANY STATE HAS
BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT REQUIRED.

AMENDED AND RESTATED
SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 9

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc.

  (f/k/a DeMarseCo Holdings, Inc.),

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $3,000,000

  	
   

  	
  June
  18, 2007

  

No. 10

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of THREE
MILLION DOLLARS ($3,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

   

  
	
  

  	
   

  	
  By: 

  	
  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $2,832,805

  	
   

  	
  June
  18, 2007

  

No. 11

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of TWO
MILLION EIGHT HUNDRED THIRTY-TWO THOUSAND EIGHT HUNDRED AND FIVE 00/100 DOLLARS
($2,832,805) with interest thereon, on the terms and conditions set forth in
that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A Note”)
are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

 

	
  $1,892,445

  	
   

  	
  June
  18, 2007

  

No. 12

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of ONE
MILLION EIGHT HUNDRED NINETY-TWO THOUSAND FOUR HUNDRED AND FORTY-FIVE 00/100
DOLLARS ($1,892,445) with interest thereon, on the terms and conditions set
forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term A Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term A Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term A Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term A Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

 

	
   

  	
   

  	
  CreditCards.com, Inc. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

   

  
	
  

  	
   

  	
  By: 

  	
  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT
BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE
SECURITIES LAWS OF ANY STATE.  THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR
SECURED TERM A NOTE

DUE ­­June 30, 2013

	
  $1,512,500

  	
   

  	
  August 27, 2007

  

 

No. 13

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of ONE
MILLION FIVE HUNDRED TWELVE THOUSAND FIVE HUNDRED AND NO/100 DOLLARS
($1,512,500) with interest thereon, on the terms and conditions set forth in
that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term A Note (this “Senior Term A
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term A
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term A Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”).  All initially capitalized terms used herein
but not defined herein shall have the meanings ascribed to them in the Credit
Agreement.  Each Holder of this Senior
Term A Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article V
of the Credit Agreement.

This Senior Term A Note is transferable only in accordance with the
terms of the Credit Agreement.

 

1

 

This Senior Term A Note is also subject to mandatory and optional
prepayment, in whole or from time to time in part, at the times and on the
terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term A Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term A Note is one of a series of amended and restated
term notes that amends, modifies and restates, but does not extinguish or
constitute a novation of, the indebtedness evidenced by those certain
term notes, dated October 30, 2006, in the original aggregate amount
of $75,000,000 executed by the Borrower and payable to the order of the Holder
(the “Original Notes”).  All
rights, titles, liens, and security interests securing the Original Notes are
preserved, maintained and carried forward to secure this Senior Term A
Note.

Except as otherwise provided in the Credit
Agreement, the Borrower hereby
unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment
of this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim
against the Holder, the Agent or any other person, including any person who
assigned this Senior Term A Note to the Holder, absent gross negligence or
willful misconduct of such Holder, the Agent or any other person, including any
person who assigned this Senior Term A Note to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term A Note are secured pursuant to the terms of the Security Documents.

This Senior Term A Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page
Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term A Note as of the date first written above.

 

	
   

  	
   

  	
  CCRD Operating Company, Inc. 

  (f/k/a CreditCards.com, Inc.), 

  a Delaware corporation

   

  
	
  

  	
   

  	
  By: 

  	
  

  /s/ Christopher Speltz

  
	
   

  	
   

  	
   

  	
  Christopher Speltz

  Chief Financial Officer

  

 

 

   THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE HAS BEEN ACQUIRED FOR INVESTMENT
PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION, AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT REQUIRED.

AMENDED
AND RESTATED SENIOR SECURED TERM A NOTE

DUE June 30, 2013

	$375,000	 	February 10, 2008

No. 14

FOR
VALUE RECEIVED, the undersigned, CCRD OPERATING COMPANY, INC. (formerly known as CreditCards.com, Inc.), a Delaware corporation (the
"Borrower"), hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered assigns (in such capacity, the
"Holder"), the principal sum of THREE HUNDRED SEVENTY-FIVE THOUSAND AND NO/100 DOLLARS ($375,000) with interest thereon, on the terms and
conditions set forth in that certain Credit Agreement (as defined herein). 

Payments
of principal of, interest on and any premium with respect to this Amended and Restated Senior Secured Term A Note (this "Senior Term A Note")
are to be made in accordance with Article III of the Credit Agreement and in lawful money of the United States of America. 

Notwithstanding
any provision to the contrary in this Senior Term A Note, the Credit Agreement or any other agreement, the Borrower shall not be required to pay, and the Holder shall not be permitted
to contract for, take, reserve, charge or receive, any compensation which constitutes interest under applicable law in excess of the maximum amount of interest permitted by law. 

This
Senior Term A Note is due June 30, 2013 and is one of a series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the "Credit Agreement"), dated as of even date herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent ("Agent"), and the lenders from time to time party thereto (the
"Lenders"). All initially capitalized terms used herein but not defined herein shall have the meanings ascribed to them in the Credit Agreement. Each
Holder of this Senior Term A Note will be deemed, by its acceptance hereof, to have agreed to the provisions and to have made the representations and warranties set forth in  Article V of the Credit
Agreement. 

This
Senior Term A Note is transferable only in accordance with the terms of the Credit Agreement. 

This
Senior Term A Note is also subject to mandatory and optional prepayment, in whole or from time to time in part, at the times and on the terms specified in the Credit Agreement, but not otherwise. 

If
an Event of Default occurs and is continuing, among the other consequences thereof set forth in the Credit Agreement and otherwise, the unpaid principal of this Senior Term A Note, and the interest
accrued thereon, may be declared or otherwise become due and payable in the manner, at the price (including any applicable premium) and with the effect provided in the Credit Agreement. 

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

1

 

This
Senior Term A Note is one of a series of amended and restated term notes that amends, modifies and restates, but does not extinguish or constitute a novation of, the indebtedness evidenced by
those certain term notes, dated October 30, 2006, in the original aggregate amount of $75,000,000 executed by the Borrower and payable to the order of the Holder (the
"Original Notes"). All rights, titles, liens, and security interests securing the Original Notes are preserved, maintained and carried forward to secure
this Senior Term A Note. 

Except
as otherwise provided in the Credit Agreement, the Borrower hereby unconditionally waives (a) any rights to presentment, demand, protest or notice of any kind (except as expressly
required by the Credit Agreement), and (b) any rights of rescission, setoff, counterclaim or defense to payment of this Senior Term A Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other person, including any person who assigned this Senior Term A Note to the Holder, absent gross negligence or willful
misconduct of such Holder, the Agent or any other person, including any person who assigned this Senior Term A Note to the Holder. 

Payments
of principal, interest on and any premium with respect to this Senior Term A Note are secured pursuant to the terms of the Security Documents. 

This
Senior Term A Note and the rights and obligations of the parties hereto shall be deemed to be contracts under the laws of the State of Maryland and for all purposes shall be governed by and
construed and enforced in accordance with the laws of said State, except for its rules relating to the conflict of laws. 

[Remainder of Page Intentionally Left Blank; Signature Page Follows]

AMENDED AND RESTATED SENIOR SECURED TERM A NOTE

2

The
undersigned has executed this Senior Term A Note as of the date first written above. 

	 	 	CCRD Operating Company, Inc.

(f/k/a CreditCards.com, Inc.),

a Delaware corporation
	

 	
 	

By:	

/s/  CHRISTOPHER SPELTZ      
 Christopher Speltz
 Chief Financial Officer

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM B NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 5

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

   

  
	
  

  	
   

  	
  By: 

  	
  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM B NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 6

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC.

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN
REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE
SECURITIES LAWS OF ANY STATE. THIS NOTE HAS BEEN ACQUIRED FOR INVESTMENT
PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION, AND NO TRANSFER, SALE OR OTHER
DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A REGISTRATION STATEMENT WITH
RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER SUCH ACT, AND SUCH REGISTRATION
OR QUALIFICATION AS MAY BE NECESSARY UNDER THE SECURITIES LAWS OF ANY STATE HAS
BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT REQUIRED.

AMENDED AND RESTATED SENIOR
SECURED TERM B NOTE

DUE June 30, 2013

	
  $5,000,000

  	
   

  	
  June 18, 2007

  

No. 7

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the terms
of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed this Senior Term B Note
as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC.

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation 

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM B NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June
  18, 2007

  

No. 8

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit Agreement
and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation 

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR SECURED TERM B NOTE

DUE June 30, 2013

 

	
  $5,000,000

  	
   

  	
  June 18, 2007

  

No. 9

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FIVE
MILLION DOLLARS ($5,000,000) with interest thereon, on the terms and conditions
set forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC.

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED
SENIOR SECURED TERM B NOTE

DUE June 30, 2013

 

	
  $4,892,445

  	
   

  	
  June 18, 2007

  

No. 10

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of FOUR
MILLION EIGHT HUNDRED AND NINETY-TWO THOUSAND FOUR HUNDRED AND FOURTY-FIVE
DOLLARS ($4,892,445) with interest thereon, on the terms and conditions set
forth in that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR
SECURED TERM B NOTE

DUE June 30, 2013

	
  $2,832,805

  	
   

  	
  June 18, 2007

  

No. 11

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of TWO
MILLION EIGHT HUNDRED AND THIRTY-TWO THOUSAND EIGHT HUNDRED AND FIVE DOLLARS
($2,832,805) with interest thereon, on the terms and conditions set forth in
that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”). All
initially capitalized terms used herein but not defined herein shall have the
meanings ascribed to them in the Credit Agreement. Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article
V of the Credit Agreement.

This Senior Term B Note is transferable only in accordance with the
terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory
and optional prepayment, in whole or from time to time in part, at the times
and on the terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated term
notes that amends, modifies and restates, but does not extinguish or constitute
a novation of, the indebtedness evidenced by those certain term notes, dated
October 30, 2006, in the original aggregate amount of $75,000,000 executed by
the Borrower and payable to the order of the Holder (the “Original Notes”).
All rights, titles, liens, and security interests securing the Original Notes
are preserved, maintained and carried forward to secure this Senior Term B
Note.

Except as otherwise provided in the Credit Agreement, the Borrower
hereby unconditionally waives (a) any rights to presentment, demand, protest or
notice of any kind (except as expressly required by the Credit Agreement), and
(b) any rights of rescission, setoff, counterclaim or defense to payment of
this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other
person, including any person who assigned this Senior Term B Note to the
Holder, absent gross negligence or willful misconduct of such Holder, the Agent
or any other person, including any person who assigned this Senior Term B Note
to the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page Intentionally
Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed this Senior Term B Note
as of the date first written above.

 

 

	
   

  	
   

  	
  CREDITCARDS.COM, INC. 

  (f/k/a DeMarseCo Holdings, Inc.), 

  a Delaware corporation 

  
	
  

  	
   

  	
  By: 

  	
   

  

  /s/ Elisabeth DeMarse

  
	
   

  	
   

  	
   

  	
  Elisabeth DeMarse

  President and Chief Executive Officer

  

 

THIS NOTE HAS NOT
BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE
SECURITIES LAWS OF ANY STATE.  THIS NOTE
HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION,
AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A
REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE
SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT
REQUIRED.

AMENDED AND RESTATED SENIOR
SECURED TERM B NOTE

DUE June 30, 2013

	
  $1,512,500

  	
   

  	
  August 27, 2007

  

 

No. 12

FOR VALUE RECEIVED, the undersigned, CREDITCARDS.COM, INC. (formerly
known as DeMarseCo Holdings, Inc.), a Delaware corporation (the “Borrower”),
hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered
assigns (in such capacity, the “Holder”), the principal sum of ONE
MILLION FIVE HUNDRED TWELVE THOUSAND FIVE HUNDRED AND NO/100 DOLLARS
($1,512,500) with interest thereon, on the terms and conditions set forth in
that certain Credit Agreement (as defined herein).

Payments of principal of, interest on and any premium with respect to
this Amended and Restated Senior Secured Term B Note (this “Senior Term B
Note”) are to be made in accordance with Article III of the Credit
Agreement and in lawful money of the United States of America.

Notwithstanding any provision to the contrary in this Senior Term B
Note, the Credit Agreement or any other agreement, the Borrower shall not be
required to pay, and the Holder shall not be permitted to contract for, take,
reserve, charge or receive, any compensation which constitutes interest under
applicable law in excess of the maximum amount of interest permitted by law.

This Senior Term B Note is due June 30, 2013 and is one of a
series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the “Credit Agreement”), dated as of even date
herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent (“Agent”),
and the lenders from time to time party thereto (the “Lenders”).  All initially capitalized terms used herein
but not defined herein shall have the meanings ascribed to them in the Credit
Agreement.  Each Holder of this Senior
Term B Note will be deemed, by its acceptance hereof, to have agreed to the
provisions and to have made the representations and warranties set forth in Article V
of the Credit Agreement.

This Senior Term B Note is
transferable only in accordance with the terms of the Credit Agreement.

 

 

1

 

This Senior Term B Note is also subject to mandatory and optional
prepayment, in whole or from time to time in part, at the times and on the
terms specified in the Credit Agreement, but not otherwise.

If an Event of Default occurs and is continuing, among the other
consequences thereof set forth in the Credit Agreement and otherwise, the
unpaid principal of this Senior Term B Note, and the interest accrued thereon,
may be declared or otherwise become due and payable in the manner, at the price
(including any applicable premium) and with the effect provided in the Credit
Agreement.

This Senior Term B Note is one of a series of amended and restated
term notes that amends, modifies and restates, but does not extinguish or
constitute a novation of, the indebtedness evidenced by those certain
term notes, dated October 30, 2006, in the original aggregate amount
of $75,000,000 executed by the Borrower and payable to the order of the Holder
(the “Original Notes”).  All
rights, titles, liens, and security interests securing the Original Notes are
preserved, maintained and carried forward to secure this Senior Term B Note.

Except as otherwise provided in the Credit
Agreement, the Borrower hereby
unconditionally waives (a) any rights to presentment, demand, protest or notice
of any kind (except as expressly required by the Credit Agreement), and (b) any
rights of rescission, setoff, counterclaim or defense to payment of this Senior
Term B Note in accordance with the terms of the Credit Agreement that the
Borrower may have or claim against the
Holder, the Agent or any other person, including any person who assigned this
Senior Term B Note to the Holder, absent gross negligence or willful misconduct
of such Holder, the Agent or any other person, including any person who
assigned this Senior Term B Note to
the Holder.

Payments of principal, interest on and any premium with respect to this
Senior Term B Note are secured pursuant to the terms of the Security Documents.

This Senior Term B Note and the rights and obligations of the parties
hereto shall be deemed to be contracts under the laws of the State of Maryland
and for all purposes shall be governed by and construed and enforced in
accordance with the laws of said State, except for its rules relating to the
conflict of laws.

[Remainder of Page
Intentionally Left Blank; Signature Page Follows]

 

 

2

 

The undersigned has executed
this Senior Term B Note as of the date first written above.

 

	
   

  	
   

  	
  CCRD Operating Company, Inc. 

  (f/k/a CreditCards.com, Inc.), 

  a Delaware corporation

   

  
	
  

  	
   

  	
  By: 

  	
  

  /s/ Christopher Speltz

  
	
   

  	
   

  	
   

  	
  Christopher Speltz

  Chief Financial Officer

  

 

 

   THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE. THIS NOTE HAS BEEN ACQUIRED FOR INVESTMENT
PURPOSES AND NOT WITH A VIEW TO DISTRIBUTION, AND NO TRANSFER, SALE OR OTHER DISPOSITION OF THIS NOTE MAY BE MADE UNLESS A REGISTRATION STATEMENT WITH RESPECT TO THIS NOTE HAS BECOME EFFECTIVE UNDER
SUCH ACT, AND SUCH REGISTRATION OR QUALIFICATION AS MAY BE NECESSARY UNDER THE SECURITIES LAWS OF ANY STATE HAS BECOME EFFECTIVE, OR SUCH REGISTRATION IS NOT REQUIRED.

AMENDED
AND RESTATED SENIOR SECURED TERM B NOTE

DUE June 30, 2013

	$375,000	 	February 10, 2008

No. 13

FOR
VALUE RECEIVED, the undersigned, CCRD OPERATING COMPANY, INC. (formerly known as CreditCards.com, Inc.), a Delaware corporation (the
"Borrower"), hereby promises to pay to AMERICAN CAPITAL STRATEGIES, LTD. or its registered assigns (in such capacity, the
"Holder"), the principal sum of THREE HUNDRED SEVENTY-FIVE THOUSAND AND NO/100 DOLLARS ($375,000) with interest thereon, on the terms and
conditions set forth in that certain Credit Agreement (as defined herein). 

Payments
of principal of, interest on and any premium with respect to this Amended and Restated Senior Secured Term B Note (this "Senior Term B Note")
are to be made in accordance with Article III of the Credit Agreement and in lawful money of the United States of America. 

Notwithstanding
any provision to the contrary in this Senior Term B Note, the Credit Agreement or any other agreement, the Borrower shall not be required to pay, and the Holder shall not be permitted
to contract for, take, reserve, charge or receive, any compensation which constitutes interest under applicable law in excess of the maximum amount of interest permitted by law. 

This
Senior Term B Note is due June 30, 2013 and is one of a series of promissory notes issued pursuant to that certain Amended and Restated
Credit Agreement (the "Credit Agreement"), dated as of even date herewith, by and among the Borrower and CCCI Holdings, Inc., American Capital
Financial Services, Inc., as administrative and collateral agent ("Agent"), and the lenders from time to time party thereto (the
"Lenders"). All initially capitalized terms used herein but not defined herein shall have the meanings ascribed to them in the Credit Agreement. Each
Holder of this Senior Term B Note will be deemed, by its acceptance hereof, to have agreed to the provisions and to have made the representations and warranties set forth in  Article V of the Credit
Agreement. 

This
Senior Term B Note is transferable only in accordance with the terms of the Credit Agreement. 

This
Senior Term B Note is also subject to mandatory and optional prepayment, in whole or from time to time in part, at the times and on the terms specified in the Credit Agreement, but not otherwise. 

If
an Event of Default occurs and is continuing, among the other consequences thereof set forth in the Credit Agreement and otherwise, the unpaid principal of this Senior Term B Note, and the interest
accrued thereon, may be declared or otherwise become due and payable in the manner, at the price (including any applicable premium) and with the effect provided in the Credit Agreement. 

AMENDED AND RESTATED SENIOR SECURED TERM B NOTE

1

 

This
Senior Term B Note is one of a series of amended and restated term notes that amends, modifies and restates, but does not extinguish or constitute a novation of, the indebtedness evidenced by
those certain term notes, dated October 30, 2006, in the original aggregate amount of $75,000,000 executed by the Borrower and payable to the order of the Holder (the
"Original Notes"). All rights, titles, liens, and security interests securing the Original Notes are preserved, maintained and carried forward to secure
this Senior Term B Note. 

Except
as otherwise provided in the Credit Agreement, the Borrower hereby unconditionally waives (a) any rights to presentment, demand, protest or notice of any kind (except as expressly
required by the Credit Agreement), and (b) any rights of rescission, setoff, counterclaim or defense to payment of this Senior Term B Note in accordance with the terms of the Credit Agreement
that the Borrower may have or claim against the Holder, the Agent or any other person, including any person who assigned this Senior Term B Note to the Holder, absent gross negligence or willful
misconduct of such Holder, the Agent or any other person, including any person who assigned this Senior Term B Note to the Holder. 

Payments
of principal, interest on and any premium with respect to this Senior Term B Note are secured pursuant to the terms of the Security Documents. 

This
Senior Term B Note and the rights and obligations of the parties hereto shall be deemed to be contracts under the laws of the State of Maryland and for all purposes shall be governed by and
construed and enforced in accordance with the laws of said State, except for its rules relating to the conflict of laws. 

[Remainder of Page Intentionally Left Blank; Signature Page Follows]

AMENDED AND RESTATED SENIOR SECURED TERM B NOTE

2

The
undersigned has executed this Senior Term B Note as of the date first written above. 

	 	 	CCRD Operating Company, Inc.

(f/k/a CreditCards.com, Inc.),

a Delaware corporation
	

 	
 	

By:	

/s/  CHRISTOPHER SPELTZ      
 Christopher Speltz
 Chief Financial Officer

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