E LOAN INC
AMENDMENT FOUR TO MARKETING AGREEMENT
<DOCUMENT>
<TYPE>EX-10.4
<SEQUENCE>6
<FILENAME>exh10-4.htm
<DESCRIPTION>AMENDMENT FOUR TO MARKETING AGREEMENT
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<TITLE>Q1 2004 Exhibit 10.4</TITLE>
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                                           Exhibit 10.4</P>

<P ALIGN="RIGHT">                                                               **Confidential Treatment Requested



<B><FONT SIZE=4><P ALIGN="CENTER">E-LOAN/zipRealty<BR>
                  Amendment Four to Marketing, Promotion, Distribution,<BR>
                  And Related Services Agreement</P></B>


</FONT><FONT SIZE=3><P>This Amendment Four ("Amendment") to the Marketing,
Promotion, Distribution, And Related Services Agreement dated April 15, 2002
(the "Agreement"), by and between E-LOAN, Inc. and zipRealty, Inc., amends,
modifies and supplements the Agreement as set forth below. All terms of the
Agreement shall remain in full force and effect unless expressly amended,
modified or supplemented herein.</P>

<OL>

<B><LI>Term</B>. The Term of the Agreement shall be extended beyond March 31,
2004, for an additional period from April 1, 2004 until September 30, 2004 (the
"Extension Period").</LI>

<B><LI>&#9;Compensation</B>. During the Extension Period, E-LOAN shall pay to
zipRealty the following compensation:</LI>

<TABLE BORDER=0 CELLSPACING=1 CELLPADDING=7 WIDTH=325>
<TR><TD WIDTH="58%" VALIGN="TOP">
<U><FONT SIZE=3><P>Month</U></FONT></TD>
<TD WIDTH="42%" VALIGN="TOP">
<U><FONT SIZE=3><P ALIGN="CENTER">Amount</U></FONT></TD>
</TR>
<TR><TD WIDTH="58%" VALIGN="TOP">
<FONT SIZE=3><P>April 2004</FONT></TD>
<TD WIDTH="42%" VALIGN="TOP">
<FONT SIZE=3><P ALIGN="CENTER">[**]</FONT></TD>
</TR>
<TR><TD WIDTH="58%" VALIGN="TOP">
<FONT SIZE=3><P>May 2004</FONT></TD>
<TD WIDTH="42%" VALIGN="TOP">
<FONT SIZE=3><P ALIGN="CENTER">[**]</FONT></TD>
</TR>
<TR><TD WIDTH="58%" VALIGN="TOP">
<FONT SIZE=3><P>June 2004</FONT></TD>
<TD WIDTH="42%" VALIGN="TOP">
<FONT SIZE=3><P ALIGN="CENTER">[**]</FONT></TD>
</TR>
<TR><TD WIDTH="58%" VALIGN="TOP">
<FONT SIZE=3><P>July 2004</FONT></TD>
<TD WIDTH="42%" VALIGN="TOP">
<FONT SIZE=3><P ALIGN="CENTER">[**]</FONT></TD>
</TR>
<TR><TD WIDTH="58%" VALIGN="TOP">
<FONT SIZE=3><P>August 2004</FONT></TD>
<TD WIDTH="42%" VALIGN="TOP">
<FONT SIZE=3><P ALIGN="CENTER">[**]</FONT></TD>
</TR>
<TR><TD WIDTH="58%" VALIGN="TOP">
<U><FONT SIZE=3><P>Septebmer 2004</U></FONT></TD>
<TD WIDTH="42%" VALIGN="TOP">
<U><FONT SIZE=3><P ALIGN="CENTER">[**]</U></FONT></TD>
</TR>
<TR><TD WIDTH="58%" VALIGN="TOP">
<FONT SIZE=3><P>Total</FONT></TD>
<TD WIDTH="42%" VALIGN="TOP">
<FONT SIZE=3><P ALIGN="CENTER">[**]</FONT></TD>
</TR>
</TABLE>



<B><LI>&#9;Counterparts</B>. This Amendment may be executed in one
or more counterparts, including facsimiles, each of which will be deemed to be a
duplicate original, but all of which, taken together, will be deemed to
constitute a single instrument.</LI></OL>


<P>IN WITNESS WHEREOF, the parties have caused this Amendment to be executed and
dated below.</P>

<TABLE BORDER=0 CELLSPACING=1 CELLPADDING=7 WIDTH=95%>
<TR><TD WIDTH="50%" VALIGN="TOP" COLSPAN=3>
<FONT SIZE=3><P>E- LOAN, INC.</FONT></TD>
<TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=3><P>zipRealty, Inc.</FONT></TD>
</TR>
<TR><TD WIDTH="11%" VALIGN="TOP">
<FONT SIZE=3><P>By:</FONT></TD>
<TD WIDTH="35%" VALIGN="TOP">
<U><FONT SIZE=3><P>/s/ Pete Bonnikson</U></FONT></TD>
<TD WIDTH="3%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="19%" VALIGN="TOP">
<FONT SIZE=3><P>By:</FONT></TD>
<TD WIDTH="31%" VALIGN="TOP">
<U><FONT SIZE=3><P>/s/ Gary M. Beasley</U></FONT></TD>
</TR>
<TR><TD WIDTH="11%" VALIGN="TOP">
<FONT SIZE=3><P>Name: </FONT></TD>
<TD WIDTH="35%" VALIGN="TOP">
<U><FONT SIZE=3><P>Pete Bonnikson</U></FONT></TD>
<TD WIDTH="3%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="19%" VALIGN="TOP">
<FONT SIZE=3><P>Name:</FONT></TD>
<TD WIDTH="31%" VALIGN="TOP">
<U><FONT SIZE=3><P>Gary M. Beasley</U></FONT></TD>
</TR>
<TR><TD WIDTH="11%" VALIGN="TOP">
<FONT SIZE=3><P>Title:</FONT></TD>
<TD WIDTH="35%" VALIGN="TOP">
<U><FONT SIZE=3><P>S.V.P.</U></FONT></TD>
<TD WIDTH="3%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="19%" VALIGN="TOP">
<FONT SIZE=3><P>Title:</FONT></TD>
<TD WIDTH="31%" VALIGN="TOP">
<U><FONT SIZE=3><P>EVP &amp; CFO</U></FONT></TD>
</TR>

<TR><TD WIDTH="11%" VALIGN="TOP">
<FONT SIZE=3><P>Date: </FONT></TD>
<TD WIDTH="35%" VALIGN="TOP">
<FONT SIZE=3><P>__<U>3/29/04</U>_____________</FONT></TD>
<TD WIDTH="3%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="19%" VALIGN="TOP">
<FONT SIZE=3><P>Date: </FONT></TD>
<TD WIDTH="31%" VALIGN="TOP">
<FONT SIZE=3><P>__<U>3/29/04</U>____________</FONT></TD>
</TR>
</TABLE>


<FONT FACE="Garamond" SIZE=1>
<P>E-LOAN - zipRealty<BR>
   Amendment Four to Marketing, Promotion, Distribution, and Related Services Agreement</P>

<font FACE="Times New Roman" SIZE="3">
<P ALIGN="RIGHT">                                                               **Confidential Treatment Requested


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