Document:

Exhibit 10.1

               AMENDMENT TO AUTO LOAN PURCHASE AND SALE AGREEMENT

         THIS FIRST AMENDMENT ("Amendment') to the AUTO LOAN PURCHASE AND SALE
AGREEMENT ("Agreement") dated and effective June 5, 2000 by and between E-LOAN,
Inc. ("E-LOAN") and AmeriCredit Financial Services, Inc. ("AmeriCredit") is
entered into and effective this 1st of January, 2001:

         FOR GOOD AND VALUABLE CONSIDERATION the receipt and sufficiency of
which is expressly acknowledged by the parties hereto, E-LOAN and AmeriCredit
agree as follows:

1.       Section 1.5 and Exhibit E of the Agreement provide for payment of an
         Origination or Referral Fee ("fee") to E-LOAN by AmeriCredit per booked
         loan in an amount based on loan closure rate (see schedule below).

          ------------------------------- ----------------------------
                   Closure Rate                  Referral Fee
          ------------------------------- ----------------------------
                       [*]                            [*]
          ------------------------------- ----------------------------
                       [*]                            [*]
          ------------------------------- ----------------------------
                       [*]                            [*]
          ------------------------------- ----------------------------
                       [*]                            [*]
          ------------------------------- ----------------------------
                       [*]                            [*]
          ------------------------------- ----------------------------

2.       From the date of this Amendment until June 30, 2001, AmeriCredit agrees
         to pay E-LOAN a flat fee of [*] per booked loan with no additional
         origination or referral fee payment. Beginning July 1, 2001, these flat
         fee payments shall cease and the closure based pricing scheme outlined
         above shall resume.

The Agreement is hereby modified and amended to incorporate the terms and
conditions set forth herein, which shall supersede and prevail over any
conflicting terms of the Agreement. Except for this change to provisions related
to payment of fees, all of the terms and conditions of the Agreement remain in
full force and effect.

AMERICREDIT FINANCIAL SERVICES, INC.         E-LOAN, Inc.

By:   /s/ Michael T. Miller                  By:   /s/ Joseph J. Kennedy
      ----------------------------                 ----------------------------
      Authorized Signature - Title                 Authorized Signature - Title

Name:  Michael T. Miller                     Name:  Joe Kennedy

Title:  Executive Vice President -           Title: President and COO
        e-Services

                                             By:   /s/ Matt Roberts
                                                   ----------------------------
                                                   Authorized Signature - Title

                                             Name:  Matt Roberts

                                             Title: Chief Financial OfficerExhibit 10.2

THIRD AMENDMENT TO MARKETING AGREEMENT

         This Third Amendment to Marketing Agreement ("Amendment") dated January
1, 2001, is made and entered into by and between Charles Schwab & Co., Inc., a
California corporation, ("Schwab") and E-LOAN, Inc., a Delaware corporation
("E-LOAN"), and is effective as of April 25, 2000.

         WHEREAS, Schwab and E-LOAN have entered into a Marketing Agreement (the
"Agreement") dated April 25, 2000;

         WHEREAS, the parties have amended certain Sections of the Agreement, as
set forth in the First Amendment to Marketing Agreement dated July 10, 2000 and
the Second Amendment to Marketing Agreement dated September 30, 2000;

         WHEREAS, Schwab and E-LOAN have a mutual desire to further amend the
Agreement as set forth in this Amendment.

         NOW, THEREFORE, the parties hereby agree as follows:

         1.       Section 8.1 of the Agreement is hereby amended to read as
                  follows:

                           8.1 MARKETING FEE. In addition to the Warrant
                  being provided by E-Loan to Schwab pursuant to section 8.2,
                  E-Loan shall pay the following to Schwab for its marketing
                  services provided pursuant to the Agreement:

                           For the period between June 1, 2000 and the first
                  anniversary of the Agreement, the sum [*] Dollars ($[*])
                  payable in 12 equal monthly installments commencing on the
                  Launch date and on the first day of each succeeding month;

                           For the period between June 1, 2001 and the second
                  anniversary of the Agreement, the sum of [*] Dollars ($[*])
                  payable in 12 equal monthly installments commencing on the
                  first anniversary of the Launch Date and on the first day of
                  each succeeding month;

                           For the period between June 1, 2002 and the third
                  anniversary of the Agreement, the sum of [*] Dollars ($[*])
                  payable in 12 equal monthly installments commending on the
                  second anniversary of the Launch Date and on the first day of
                  each succeeding month; and

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                           For the period between June 1, 2003 and the end of
                  the term of this Agreement, the sum of [*] Dollars ($[*])
                  payable in 12 equal monthly installments commencing on third
                  anniversary of the Launch Date and on the first day of each
                  succeeding month.

         2.       Except for the changes set forth in this Amendment, the
Agreement as previously amended shall remain unchanged in all respects, and
shall remain in full force and effect in accordance with its terms.

E-LOAN, INC.                                CHARLES SCHWAB & CO., INC.

By:  /s/ Joseph J. Kennedy                  By:  /s/ Susanne D. Lyons
     -----------------------------------         -------------------------------

Name:  Joseph J. Kennedy                    Name:  Susanne D. Lyons
       ---------------------------------           -----------------------------

Title:  President                           Title:  EVP, Chief Marketing Officer
        --------------------------------            ----------------------------Exhibit 10.3

                        SYSTEMS AND MARKETING AGREEMENT

     This Systems and Marketing Agreement ("Agreement") is entered into as of
January 1, 2001 ("Effective Date") between H&R Block Mortgage Corporation, a
Massachusetts corporation having an address at 3 Ada, Irvine, California 92618
("HRBM") and E-LOAN, Inc., a Delaware corporation having an office at 5875
Arnold Road, Dublin, California 94568 ("E-LOAN") (collectively, the "Parties")

     WHEREAS, HRBM is engaged in providing mortgage services that include
processing, origination, and funding mortgage loans secured by residential
properties located in the United States; and

     WHEREAS, E-LOAN is engaged in marketing mortgage services via the Internet
including attracting visitors to E-LOAN's website, providing visitors with a
variety of mortgage options, and displaying a variety of competitive loan
products available on the market;

     WHEREAS, HRBM and E-LOAN wish to develop and continue a systems
communication and marketing program ("Program") to facilitate and market HRBM's
loan products to visitors of E-LOAN's website;

     NOW, THEREFORE, in consideration of their mutual promises, the Parties
hereby agree as follows:

     1.   THE PROGRAM.

          (a)  E-LOAN shall market HRBM's various mortgage programs and products
to Internet users. The Program shall include a comprehensive marketing plan
designed, executed, and paid for by E-LOAN, to attract visitors to E-LOAN's
website ("Customers") for the purpose of obtaining mortgage loans from HRBM and
other mortgage companies. All Customers meeting HRBM Specified Criteria, as set
forth in Exhibit A, will be noted and the on-line preliminary application will
be transferred to HRBM for processing; provided, however, that all such
preliminary applications relating to Customers sourced by or through any of
E-LOAN's affinity relationships ("Affinity Customers") shall be processed by
E-LOAN and shall not be transferred to HRBM under this Agreement. For purposes
of this Agreement, "Affinity Customers" are Customers (1) who are employed by or
in like manner associated with companies or other entities with which E-LOAN has
a significant strategic relationship evidenced by a strategic alliance agreement
(or similarly named agreement), and (2) for whom E-LOAN elects to retain the
right to process such loans in order to maintain or support a strategic alliance
in accordance with a strategic alliance agreement (or similarly named
agreement), including the fulfillment of promotion or special advantage programs
offered to such Customers by virtue of such alliance.

          (b)  Although E-LOAN shall market HRBM to its Customers as required by
the Program: (i) E-LOAN shall not be required to, and shall not, endorse HRBM,
in any

<PAGE>

communications under the Program that are targeted to Customers;(ii) E-LOAN
shall not be required to recommend HRBM as a mortgage provider and (iii) E-LOAN
shall not be required to, and shall not as part of the Program, provide advice,
counseling or assistance to Customers (other than Affinity Customers) in
connection with any particular HRBM mortgage product or program, for which they
have applied. E-Loan shall not hold itself out as a partner, joint venturer, or
similar business affiliate of HRBM.

          (c)  E-LOAN agrees that in the event E-LOAN makes loans meeting the
Specified Criteria set forth on Exhibit A to Affinity Customers, E-LOAN will
make its best efforts to work with HRBM to transfer such loans to HRBM on a
wholesale basis.

     2.   COMPENSATION.

          (a)  HRBM shall pay E-Loan a marketing fee of $[*] per month (the
"Monthly Marketing Fee") for the marketing activities provided under this
Agreement in connection with the Program. Each Monthly Marketing Fee shall be
paid on or before the twentieth (20th) day following the end of each month. To
illustrate, the Monthly Marketing Fee due for January, 2001 marketing shall be
due on or before February 20, 2001. The Parties each acknowledge and agree that
the Monthly Marketing Fee reflects the reasonable and fair market value of the
goods and services to be provided by E-LOAN under the Program, without regard to
the value or volume of mortgage loans that may be attributable to the Program.

     3.   TERM AND TERMINATION.

          (a)  The term of this Agreement shall be for a period of three (3)
months commencing on its Effective Date unless earlier terminated in accordance
with the provisions of this Section 3.

          (b)  Notwithstanding anything to the contrary in this Agreement,
either party may terminate this Agreement at any time, in the following
situations ("Events of Default"):

               (1)  Material breach or this Agreement by the other party which
remains uncured after thirty (30) days' written notice thereof;

               (2)  A party makes a general assignment for the benefit of
creditors, or files a voluntary petition in bankruptcy or for reorganization or
arrangement under the bankruptcy laws, or a petition in bankruptcy is filed
against a party and is not dismissed within sixty (60) days after filing, or a
receiver or trustee is appointed for all or any part of the property or assets
of a party.

          (c)  Upon expiration or earlier termination of this Agreement, all of
the parties, obligations hereunder shall terminate, except: (i) HRBM shall
continue to process, in due course any mortgage loan applications submitted by
any Customer and transferred to HRBM prior to the date of termination; (ii)
HRBM's obligation to pay any then due Monthly Marketing Fee will be

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prorated as of such date; and (iii) the provisions of Sections 7, 8 and 14 of
this Agreement shall survive.

     4.   RELATIONSHIP. The relationship between HRBM and E-LOAN shall be that
of independent contractors and neither party shall be or represent itself to be
an agent, employee, partner or joint venturer of the other, nor shall either
party have or represent itself to have any power or authority to act for, bind
or commit the other.

     5.   REPRESENTATIONS AND WARRANTIES.

          (a)  HRBM's Authority/Legal Actions. HRBM is a corporation duly
organized, validly existing and in good standing under the laws of the
Commonwealth of Massachusetts with full corporate power and authority to
transact the business contemplated by this Agreement and it possesses all
requisite authority, power, license, permits and franchises to conduct its
business as presently conducted. Its execution, delivery and compliance with its
obligations under the terms of this Agreement are not prohibited or restricted
by any government agency. There is no claim, action, suit, proceeding or
investigation pending or, to the best of HRBM's knowledge, threatened against it
or against any of its principal officers, directors or key employees, which,
either in any one instance or in the aggregate may result in an adverse change
in the business, operations, financial condition, properties or assets of HRBM,
or in any impairment of the right or ability of HRBM to carry on its business
substantially as now conducted through its existing management group, or in any
material liability on the part of HRBM, or which would draw into question the
validity of this Agreement.

          (b)  E-LOAN's Authority/Legal Actions E-LOAN is a corporation duly
organized, validly existing and in good standing under he laws of the State or
Delaware with full corporate power and authority to transact any and all
business contemplated by this Agreement and it possesses all requisite
authority, power! license, permits and franchises to conduct its business as
presently conducted. Its execution, delivery and compliance with its obligations
under the terms of this Agreement are not prohibited or restricted by any
government agency. There is no claim, action, suit, proceeding or investigation
pending or, to the best of E-LOAN's knowledge, threatened against it or against
any of its principal officers, directors or key employees which, either in any
one instance or in the aggregate, may result in an adverse change in the
business, operations, original condition, properties or assets of E-LOAN, or in
any impairment of the right or ability of E-LOAN to carry on its business
substantially as now conducted through its existing management group, or in any
material liability on the part of E-LOAN, or which would draw into question the
validity of this Agreement. The information and content on the E-LOAN" website
(other than information supplied by HRBM)and the E-LOAN Marks (as defined below)
licensed hereunder, do not and will not infringe on the patent, copyright,
trademark, trade name or other proprietary right of any third party.

          (c)  E-LOAN's Compliance. E-LOAN's website structure, format,
information, and content, as built and as used by E-LOAN shall be in full
compliance with all applicable federal and state laws and this Agreement. E-LOAN
has obtained, or will have obtained in connection with the transactions
contemplated by this Agreement, all necessary

                                      -3-
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federal and state approvals in connection with operation and ownership or its
website and the content thereof and will make the necessary changes to its
website to reflect this Agreement and insure accurate representation. The
Privacy notices and Privacy Policies of E-LOAN's website shall be consistent
with the Federal Trade Commission's procedure or rules, an d comply with
acceptable trade practices.

     6.   EXECUTION/CONFLICT WITH EXISTING LAWS OR CONTRACTS. The parties have
taken all necessary action to authorize their respective execution, delivery and
performance of this Agreement The execution and delivery of this Agreement and
the performance of the obligations of the respective parties hereunder will not
(i) conflict with or violate the Certificate or Incorporation or By-laws of
either party or any provision of any law or regulation or any decree, demand or
order to which either pad is subject or (ii) conflict with or result in a breach
of or constitute a default (or an event which, with notice or lapse of time, or
both, would constitute a default) under any or the terms, conditions or
provisions of any agreement or instrument to which either party is a party or by
which it is bound, or any order or decree applicable to either party, or result
in the creation or imposition of any lien on any of their assets or property.

     7.   CONFIDENTIAL INFORMATION. Each party recognizes that during the term
of this Agreement, its directors, officers, employees and authorized
representatives such as attorneys and accountants, may obtain knowledge or trade
secrets, customer lists, membership lists and other confidential information or
the other party which is valuable, proprietary, special or unique to the
continued business of that party, which information is initially delivered in
written form including electronic form or is summarized and delivered in writing
within thirty (30) days after initial delivery in non-written form, and which
writing is marked "Confidential" or in a similar nature to indicate its
nonpublic and proprietary nature ("Confidential information. However,
Confidential Information does not include information that is or W becomes
available to the general public other than through a breach by the recipient
party, (ii) already known to the recipient party as or the time of communication
to the recipient party, (iii) developed by the recipient party independently or
and without reference to information communicated by the other party, or (iv)
rightfully received by the recipient party from a third party which third party
is not under a legal duty of confidentiality with respect to such information.
Accordingly, each party as a recipient of the other's Confidential Information
agrees to hold the Confidential Information of the communicating party and the
terms and conditions of this Agreement in confidence and to use diligent efforts
to ensure that the communicating party's Confidential Information the terms
hereof are held in confidence by it officers, directors, employees,
representatives and others over whom it exercises control Upon discovering any
unauthorized disclosure of the communicating party's Confidential Information or
the terms or this Agreement, the recipient will use diligent efforts to recover
such information and to prevent its further disclosure to additional third
parties. In addition, the recipient party will promptly notify the communicating
party in writing of any such unauthorized disclosure of the communicating
party's Confidential Information. The parties, obligations under this paragraph
will survive for a period or three (3) years following the expiration or earlier
termination of this Agreement.

                                      -4-
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8.       HOLD HARMLESS.

          (a)  HRBM agrees to indemnify, defend and hold E-LOAN harmless from
and against any and all claims, suits, actions, liability, losses, expenses or
damages which may hereafter arise, which E-LOAN, its affiliates, directors,
officers, agents or employees may sustain due to or arising out of any
misrepresentation, negligent act or omission by HRBM, its affiliates, officers,
agents, representatives or employees or out of any act by HRBM, its affiliates,
officers, agents, representatives or employees in violation of this Agreement or
in violation of any applicable law or regulation. Provided, however, the above
indemnification shall not provide coverage for (a) any claim, suit or action,
liability or loss, expense or damage that resulted from E-LOAN's negligent act
or omission or a breach by E-LOAN of any of its representations, warranties or
obligations under this Agreement, or (b) the amount by which any cost, fee,
expense or loss associated with any of the foregoing were increased as a result
of an act or omission on the part of F-LOAN. As a condition of the foregoing
indemnity obligation, E-LOAN agrees to give HRBM reasonably prompt notice of any
third party claim.

          (b)  E-LOAN agrees to indemnify, defend and hold HRBM harmless from
and against any and all claims, suits, actions, liability, losses, expenses or
damages which may hereafter arise, which HRBM, its affiliates, directors,
officers, agents or employees may sustain due to or arising out of any
misrepresentation, negligent act or omission by E-LOAN, its affiliates,
officers, agents, representatives or employees or out of any act by E-LOAN, its
affiliates, officers, agents, representatives or employees in violation of this
Agreement or in violation of any applicable law or regulation. Provided,
however, the above indemnification shall not provide coverage for (a) any claim,
suit or action, liability or loss, expense or damage that resulted from a
negligent act or omission of HRBM or that is attributable to a breach by HRBM of
any of its representations, warranties or obligations pursuant to this
Agreement, or (b) the amount by which any cost, fee, expense or loss associated
with any of the foregoing were increased as a result of an act or omission on
the part of HRBM. As a condition of the foregoing indemnity obligation, HRBM
agrees to give E-LOAN reasonably prompt notice of any third party claim.

     9.   NOTICES. All notices required or permitted by this Agreement shall be
in writing and shall be given by certified mail, return receipt requested or by
reputable overnight courier with package tracing capability and sent to the
address at the read of this Agreement or such other address that a party
specified in writing in accordance with this paragraph.

     10.  DISCLAIMER CONCERNING TAX EFFECTS. Neither party to this Agreement
makes any representation or warranty to the other regarding the effect that this
Agreement and the consummation of the transactions contemplated hereby may have
upon the foreign, federal, state or local tax liability of the other.

     11.  DISCLAIMER OF WARRANTIES. Neither E-LOAN nor HRBM guarantees
continuous or uninterrupted display or distribution of any links contemplated
hereunder, or continuous or uninterrupted operation of their respective
websites. In the event of interruption of display or distribution of E-LOAN's or
HRBM's links or the parties, websites (or any portion there to the

                                      -5-
<PAGE>

parties' sole obligation to each other shall be to restore service as soon as
practical. In no event will either party be liable for consequential, punitive.
special or indirect damages in connection with this Agreement or the obligations
contemplated hereby even if they are advised of the possibility of such damages.
Notwithstanding the foregoing, or any other provision in this Agreement, should
operation be interrupted for eight or more hours throughout a day (an
"Interrupted Day") for five consecutive calendar days or longer, the Monthly
Marketing Fee shall be reduced by that amount equal to $2,500 per day for each
Interrupted Day.

     12.  CAPITALIZED TERMS. Capitalized terms used herein shall have the
meanings set forth herein.

     13.  AMENDMENT. The terms and conditions of this Agreement may not be
modified or amended other than by a writing signed by both parties.

     14.  TRADEMARK LICENSE. Neither party may use the other parties trademarks,
service marks, trade names, logos, or other commercial or product designation
(collectively "Marks") for any purpose whatsoever without the prior written
consent of the other party.

     15.  ASSIGNMENT/BINDING NATURE. Neither party may assign, voluntarily, by
operation of law, or otherwise, any rights, or delegate any duties under this
Agreement to any party that is not an affiliate of itself as of the Effective
Date, without the other party's prior written consent, except that either party
may assign this Agreement or any of its rights or obligations arising hereunder
to the surviving entity in a merger, acquisition, reorganization or
consolidation in which it participates, or to a purchaser of substantially all
of its assets; providing that the assigning party will give reasonable written
notice to the non-assigning party in advance of such merger, acquisition or
other assignment and that the surviving entity is not a competitor to the
non-assigning party. Subject to the foregoing, this Agreement shall be binding
upon and shall inure to the benefit of the successors and assigns of the
Parties.

     16.  ENTIRE AGREEMENT. This Agreement and any Exhibits attached hereto
constitute the entire Agreement between the Parties and supersede all oral and
written negotiations of the Parties with respect to the subject matter hereof.

     17.  GOVERNING LAW. This agreement shall be subject to and construed under
the laws of the State of California, without reference to conflicts of law
provisions thereof.

     18.  SEVERABILITY. If any provision of this Agreement should be invalid,
illegal or in conflict with any applicable state or federal law or regulation,
such law or regulation shall control, to the extent or such conflict, without
affecting the remaining provisions or this Agreement. This Agreement shall be
deemed to be severable and, if any provision is determined to be void or
unenforceable, then that provision will be deemed severed and the remainder or
the Agreement will remain in effect. Without limiting the foregoing, if either
party is advised by counsel or a regulatory body having jurisdiction over the
party's activities that any provision of this Agreement violates any applicable
federal or state law or regulation, then the parties agree

                                      -6-
<PAGE>

cooperate to comply with such advice by modifying or terminating this Agreement
(in whole or in part).

     IN WITNESS WHEREOF, the Parties have caused this Agreement to be executed
the day and year first above written.

E-LOAN Inc.                                H&R Block Mortgage Corporation

By:   /s/ Joseph J. Kennedy                By:   /s/ Tim Owens
      Name:  Joseph J. Kennedy                   Name:  Tim Owens
      Its:  President                            Its:  Sr. Vice President

<PAGE>

                                                                    Exhibit 10.3

                                    EXHIBIT A

     HRBM Specified Criteria

     o  Credit scores must be less than [*]

     o  Property loan to value must be [*] or less

     o  Residential 1-4 unit properties only

     o  First mortgage purchase and refinance applications

     o  Minimum loan size of $[*]
        All states except for Alaska, Hawaii and Alabama.

                                    EXHIBIT A
                                      -1-

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