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                                                                   EXHIBIT 10.15

                       SUBLEASE INCORPORATING PROVISIONS
                                   OF LEASE


          This SUBLEASE INCORPORATING PROVISIONS OF LEASE  entered into as of
June 2, 1997 (this "Sublease") between FIRST USA FINANCIAL, INC., a Delaware
                    --------                                                
corporation ("Sublessor"), and FIRST USA PAYMENTECH, INC., a Delaware
              ---------                                              
corporation ("Sublessee").
              ---------   

                              W I T N E S S E T H:
                              ------------------- 

          A. Pursuant to that certain Lease Agreement dated as of December 14,
1994 (the "Original Lease"), Elm Partners Limited, a Texas limited partnership
           --------------                                                     
("EPL") leased to Sublessor portions of those certain premises located at 1601
  ---                                                                         
Elm Street, Dallas, Texas 75201.

          B. The Original Lease has been amended by an Amendment to Lease dated
June 12, 1995, a Second Amendment to Lease dated August 24, 1995, a letter
agreement dated September 18, 1995, a letter agreement dated October 18, 1995, a
letter agreement dated November 17, 1995, a Third Amendment to Lease dated March
28, 1996, a letter agreement dated June 27, 1996, a letter agreement dated July
31, 1996, a letter agreement dated October 11, 1996, a letter agreement dated
November 1, 1996, a letter agreement dated November 26, 1996 and a Fourth
Amendment to Lease dated on or around February __, 1997. Said amendments and
letter agreements are referred to herein collectively as the "Amendments".
                                                              ----------  

          C. The Original Lease, as amended by the Amendments, is referred to
herein as the "Lease". The property subject to the Lease is referred to herein
               -----                                                          
as the "Leased Premises".
        ---------------  

          D. Sublessor desires to sublease portions of the Leased Premises to
Sublessee, and Sublessee desires to sublease those portions of the Leased
Premises from Sublessor.

          NOW THEREFORE, in consideration of the covenants set forth herein,
Sublessor and Sublessee agree as follows :

          1.  Term.  Sublessor, in consideration of the covenants and agreements
              ----                                                              
to be performed by Sublessee and upon the terms and conditions hereinafter
stated, shall lease, demise and let unto Sublessee, and Sublessee shall lease
from Sublessor those portions of the Leased Premises more fully described on
                                                                            
Exhibit "A" attached hereto and incorporated herein by reference (the "Subleased
-----------                                                            ---------
Premises"), beginning on the Rent Commencement Date (hereinafter defined), to
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have and to hold for the remainder of the Lease, including any renewals or
extensions thereof (the "Sublease Term").  Upon expiration of the Lease, as
                         -------------                                     
renewed or extended (if applicable), or upon earlier termination of the Lease,
this Sublease shall expire.

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          2.  Sublessee Subject to All Terms and Conditions of the Lease.  This
              ----------------------------------------------------------       
Sublease is expressly subject and subordinate to the Lease and all of the terms,
conditions and covenants therein contained.  Except to the extent otherwise set
forth in this Sublease, in which event the terms of this Sublease shall prevail,
all the terms, covenants and conditions of the Lease shall be applicable to this
Sublease with the same force and effect as if Sublessor were the landlord under
the Lease and Sublessee were the tenant thereunder and the provisions of the
Lease are incorporated herein by reference with the same force and effect as if
they were fully set forth herein.  Sublessee assumes and agrees to fully perform
and discharge all obligations of Sublessor as tenant under the Lease (to the
extent such obligations related to the Subleased Premises) during the Sublease
Term. Capitalized terms not defined herein shall have the meanings ascribed to
them in the Lease.

          3.  Definitions.  For the purposes of this Sublease, the following
              -----------                                                   
terms in the Lease shall have the definitions provided below, rather than the
definitions set forth in the Lease:

          "Rent Commencement Date" shall mean with respect to the Subleased
           ----------------------                                          
          Premises, July 1, 1997.

          "Landlord" shall mean First USA Financial, Inc.
           --------                                      

          "Tenant" shall mean First USA Paymentech, Inc.
           ------                                       

     4.   Rental Payments. Rental for the Subleased Premises payable by
          ---------------                                              
Sublessee shall be equal to the rental (including, without limitation, Basic
Rental and Additional Rental) payable by Sublessor to EPL with respect to the
portion of the Leased Premises that constitutes the Subleased Premises (the
"Sublease Rental").
----------------   

     5.   Amendment and Deletion of Lease Provisions.  For the purposes of this
          ------------------------------------------                           
Sublease only:

          (a)  The references to "Guarantor" and "Guaranty" are deleted.
                                  ---------       --------              

          (b)  Section 42(b) (Guaranty) is deleted in its entirety.

          (c)  Exhibit "G" (Guaranty of Lease) is deleted in its entirety.
               -----------                                                

     6.   Sublessor's Obligations. Except as otherwise specified herein, the
          -----------------------                                           
only services or rights to which Sublessee is entitled under this Sublease are
those to which Sublessor is entitled under the Lease and Sublessee will look
solely to EPL for all such services and rights.

          Notwithstanding any other provision of the Lease or this Sublease,
Sublessor hereby covenants and agrees that any expansion options, renewal
options, rights of first refusal and purchase options exercisable by Sublessor
as Tenant under the Lease (collectively, the "Options", and respectively, an
                                              -------                       
"Option") shall be held by Sublessor for the benefit of Sublessee. Therefore, in
-------                                                                         
the event Sublessor, as Tenant under the Lease has such an Option, Sublessor
shall 

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give Sublessee written notice of the Option (the "Option Notice"), the
                                                  -------------       
requirements for the exercise of the Option, and the date of termination of the
Option at least 30 days prior to the termination of the Option (or, if Sublessor
does not have 30 days to consider the Option under the Lease, Sublessor shall
give Sublessee the Option Notice as soon as reasonably practicable under the
circumstances). If Sublessee desires that the Option be exercised so that
Sublessee may benefit from such exercise, Sublessor shall, after receiving
written notice from Sublessee, promptly exercise the Option for and on behalf of
Sublessee. The rights and obligations of Landlord and Tenant granted due to the
exercise of the Option shall be applicable to this Sublease with the same force
and effect as if Sublessor were the landlord under the Lease and Sublessee were
the tenant thereunder.

     7.   Liability for Obligations on Subleased Premises.  It is the intention
          -----------------------------------------------                      
of the parties that, except as otherwise provided herein, Sublessee shall be
liable for all costs, expenses and obligations of every kind relating to the
Subleased Premises that Sublessor is required to pay to EPL arising out of the
Lease on and after the Rent Commencement Date. For convenience, all such costs,
expenses and obligations due from Sublessee under this Sublease shall be paid
directly to EPL until such time as Sublessor instructs Sublessee in writing. Any
insurance policies required of the Tenant under the Lease shall name both EPL
and Sublessor as additional insureds.

     8.   No Default Under Lease.  Sublessor represents and warrants that, as of
          ----------------------                                                
the date hereof, to Sublessor's knowledge, there are no defaults (nor any
conditions that, with the giving of notice or with the passage of time, or both,
would constitute a default) on the part of EPL or Sublessor under the Lease.

     9.   No Termination; Indemnity. (a) Neither Sublessor nor Sublessee shall
          -------------------------                                           
do anything nor permit anything to be done that would cause the Lease to be
terminated or forfeited because of any right of termination or forfeiture
reserved or vested in EPL under the Lease, or that would cause Sublessor or
Sublessee to be in default under the Lease. Each party hereto ("First Party")
                                                                -----------  
will indemnify and hold the other party ("Other Party") harmless from and
                                          -----------                    
against all liabilities and claims of any kind by reason of any breach or
default under the Lease that is caused by any act or omission on the part of the
First Party by reason of which the Lease may be terminated or forfeited, or by
reason of which the Other Party may be found to be in default under the Lease.
Sublessor will indemnify and hold Sublessee harmless from and against all
liabilities or claims of any kind under the Lease which arose prior to the date
hereof. This Section 9 shall survive the expiration or termination of the Lease
and this Sublease.

     10.  Termination of Lease.  In the event of termination of the Lease due to
          --------------------                                                  
any casualty suffered by the Leased Premises, condemnation or destruction of the
whole or any portion of the Leased Premises, or for any other reason, this
Sublease shall cease and terminate upon the same date that the Lease terminates.
Such cancellation shall become effective without further notice upon the
termination of the Lease.  Upon the effective date of such cancellation, neither
Sublessor nor Sublessee shall have any liability or obligation to the other
party hereunder pursuant to this Sublease, except for liabilities or obligations
that accrued prior to the effective 

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date of such cancellation (including, but not limited to, any liability that
either party may have to the other party under Section 9 hereof).

     11.  No Amendment of Lease Without Sublessee's Consent. During the term of
          -------------------------------------------------                    
the Sublease, Sublessor shall not amend the Lease without Sublessee's prior
written consent, which consent shall be in Sublessee's sole discretion.

     12.  No Waiver.  The failure of Sublessor or Sublessee to insist in any
          ---------                                                         
instance upon the strict keeping, observance or performance of any covenant,
agreement, term, provision or condition of this Sublease or to exercise any
election herein contained shall not be construed as a waiver or relinquishment
for the future of such covenant, agreement, term, provision, condition or
election, but the same shall continue and remain in full force and effect.  No
waiver or modification by Sublessor or Sublessee of any covenant, agreement,
term, provision or condition of this Sublease shall be deemed to have been made
unless expressed in writing and signed by Sublessor and Sublessee.

     13.  Required Notice Under Lease. Sublessor shall promptly give written
          ---------------------------                                       
notice to Sublessee of (i) all claims, demands, or controversies by or with EPL
under the Lease, and (ii) any events which require that Sublessee give notice to
EPL under the Lease.

     14.  Brokers. Each party hereto represents and warrants that it knows of no
          -------                                                               
broker or any other party who is entitled to receive a commission or similar
compensation in connection with this Sublease. Each party agrees to indemnify
and hold harmless the other party of and from all liabilities, costs and claims
for commissions, or similar compensation, in connection with this Sublease that
is made by anyone claiming by, through or under the indemnifying party.

     15.  Complete Agreement.  All prior understandings and agreements between
          ------------------                                                  
the parties are merged within this Sublease, which alone fully and completely
sets forth the understanding of the parties, and this Sublease may not be
changed or terminated other than by an agreement in writing and signed by
Sublessor and Sublessee.

     16.  Notices.  Any notice or demand which either party may or must give to
          -------                                                              
the other under this Sublease shall be deemed to have been duly given if in
writing and delivered personally or sent by certified mail, return receipt
requested, postage prepaid, addressed as follows:

          If to Sublessor:  First USA Financial, Inc.
                            1601 Elm Street                      
                            Dallas, Texas 75201                  
                            Attention: Roger Hart, Senior Counsel 

          If to Sublessee:  First USA Paymentech, Inc.
                            1601 Elm Street                         
                            Dallas, Texas 75201                     
                            Attention: Philip Taken, General Counsel 

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Either party may, by notice in writing, direct that future notices or demands be
sent to a different address.

     17.  Successors.  The covenants and agreements herein contained shall bind
          ----------                                                           
and inure to the benefit of Sublessor, Sublessee and their respective successors
and assigns.

     18.  Captions.  The captions or headings of paragraphs in this Sublease are
          --------                                                              
inserted for convenience only, and shall not be considered in construing the
provisions hereof if any question of intent should arise.

     19.  Severability.  If any provisions of this Sublease shall be held to be
          ------------                                                         
invalid or unenforceable, the validity and enforceability of the remaining
provisions of this Sublease shall not be affected thereby.

     20.  Governing Law.  This Agreement shall be construed in accordance with,
          -------------                                                        
and governed by, the laws of the State of Texas.

     21.  Further Assurances.  Sublessor and Sublessee shall execute,
          ------------------                                         
acknowledge and deliver such instruments and take such other action as may be
reasonably necessary to carry out their obligations under this Sublease.

     22.  Counterparts; Facsimile.  This document may be signed in any number of
          -----------------------                                               
several counterparts, each of which shall be an original, but all such
counterparts together constitute one and the same agreement.  The parties may
execute and deliver such counterparts via facsimile, which shall have the same
effect as delivery of original counterparts.

     23.  Sublessee's Expansion Rights.  Sublessee shall have a right of first
          ----------------------------                                        
refusal ("ROFR") and an expansion option (the "Expansion Option") on any of the
          ----                                 ----------------                
Leased Premises not occupied or to be vacated by Sublessor, as the case may be,
according to the following terms:

          a. Expansion Option. Sublessor shall, from time to time, promptly give
             ----------------                                                   
Sublessee written notice of any space within the Leased Premises that Sublessor
is not occupying or which Sublessor intends to vacate, and said notice shall
specify the period of time that Sublessor intends to keep such space vacant (the
"Vacancy Period"). Following receipt of such notice, Sublessee may, at its sole
 --------------                                                                
discretion, exercise its Expansion Option for all or a portion of the unoccupied
Leased Premises, or the space to be so vacated by Sublessor, as the case may be,
by delivering written notice (the "Expansion Notice") to Sublessor at least 30
                                   ----------------                           
days prior to the expiration of the Vacancy Period. In the Expansion Notice,
Sublessee shall specify which additional portion or portions of the Leased
Premises (the "Additional Subleased Premises") it desires to occupy as part of
               -----------------------------                                  
the Subleased Premises. Sublessor shall sublease to Sublessee the Additional
Subleased Premises upon the terms and conditions of this Sublease, and Sublessee
shall be liable for all costs, expenses and obligations of every kind relating
to the Additional Subleased Premises that Sublessor is required to pay to EPL
arising out of the Lease and relating 

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to the Additional Subleased Premises on and after the date that Sublessee
occupies the Additional Subleased Premises.


          b. ROFR. In the event Sublessor desires to sublease additional
             ----                                                       
portions of the Leased Premises to third parties (or assign its interest in the
Lease, in whole or in part, to third parties) upon terms that a third party
desires to accept, or Sublessor receives a bona fide offer from a third party
potential sublessee to sublease additional portions of the Leased Premises or
take an assignment, in whole or in part, of Sublessor's interest in the Lease,
which offer Sublessor desires to accept (the portion of the Leased Premises that
is subject to any such offer is herein called the "Offered Property"), then:
                                                   ----------------         

                (i) Sublessor shall provide Sublessee with a description of the
terms and conditions of the proposed sublease or assignment, the identification
of the proposed sublessee or assignee, and a description of the Offered Property
and a description of all material terms and conditions of the proposed sublease
or assignment (the "Sublessor's ROFR Notice"). Sublessor shall also provide
                    -----------------------                                
Sublessee with a copy of the proposed sublease or assignment if such is
available.

                (ii) If Sublessee does not elect to sublease from Sublessor the
Offered Property within 30 days after actual receipt of the Sublessor's ROFR
Notice by delivering written notice thereof to Sublessor, then Sublessee's ROFR
shall not apply to the sublease or assignment of the Offered Property if the
Offered Property is subleased or assigned to the proposed sublessee or assignee
identified in and on the terms and conditions set forth in Sublessor's ROFR
Notice within 30 days after the expiration of Sublessee's 30-day response
period.

                (iii) If the sublease or assignment by Sublessor to the proposed
sublessee or assignee does not occur within said 30-day period, Sublessee's ROFR
shall remain in full force and effect with respect to the Offered Property. If a
portion of the Leased Premises is subleased or assigned to a third party after
compliance with the terms of this paragraph 23(b), the ROFR shall remain in full
force and effect for all other parts of the Leased Premises.

                (iv) If Sublessee exercises its ROFR as provided for herein, the
terms and conditions shall be the terms and conditions that Sublessor intends to
sublease or assign the Offered Property as set forth in the Sublessor's ROFR
Notice.

                                       6
<PAGE>
 
     IN WITNESS WHEREOF, the parties hereto have caused these presents to be
executed as of the date first written above.

                         SUBLESSOR:
                         --------- 

                         FIRST USA FINANCIAL, INC.,
                         a Delaware corporation



                         By:  /s/ Tracie Klein
                              -----------------------------
                              Name: Tracie Klein
                                   ------------------------
                              Title: Vice President
                                    -----------------------


                         SUBLESSEE:
                         --------- 

                         FIRST USA PAYMENTECH, INC.,
                         a Delaware corporation



                         By:  /s/ David W. Truetzel
                              ------------------------------
                              Name: David W. Truetzel
                                   -------------------------
                              Title: Chief Financial Officer
                                     -----------------------

                                       7
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                       EXHIBIT "A"--ELM PARTNERS LIMITED
                       ---------------------------------

All of the Leased Premises on the following floors of Thanksgiving Tower:

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