EXHIBIT 10.47 INDEPENDENT CONTRACTOR AGREEMENT This INDEPENDENT CONTRACTOR Agreement, together with any exhibits hereto (collectively, the "AGREEMENT") is entered into as of as of January 1, 2001 (the "EFFECTIVE DATE") by and between Tim Coltrell...Independent Contractor Agreement • November 14th, 2001 • Nextcard Inc • Personal credit institutions • California
Exhibit 10.49 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (the "Agreement") is entered into this 1st day of July, 2001 (the "Effective Date"), by and between Yinzi Cai ("Employee") and NextCard, Inc., a Delaware corporation (the "Company"). THE...Employment Agreement • November 14th, 2001 • Nextcard Inc • Personal credit institutions • California
RECITALSCapital Assurance Agreement • November 14th, 2001 • Nextcard Inc • Personal credit institutions • California
