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                                                                   Exhibit 10.11

Jan 19, 2000

                                   TERM SHEET
                      PROPOSED WEB SITE MARKETING AGREEMENT

                    Quintel Communications, Inc. ("Quintel")
                                       and
                          itarget.com, Inc. ("itarget")

1.    Quintel proposes to develop and host a new home page on one of its
      web-sites (the "New Website") using either a new brand name or a
      co-branded name using Quintel's and itarget's names (the "Brand Name") to
      market its GroupLotto program. Quintel's GroupLotto program involves the
      registration of visitors in Quintel's subsidiary's MultiBuyer.com program
      (the "Multibuyer Program"). The Brand Name will be selected by itarget's
      subject to Quintel's approval, which shall not be unreasonably withheld or
      delayed.

2.    Quintel will be responsible for the following at its expense with respect
      to the New Website:

      a.    design and technical implementation and maintenance;

      b.    Choice of products and services offered, subject to itarget's
            approval, which shall not be unreasonably withheld or delayed;
            initially the product/service will be a version of the GroupLotto
            program now being offered by Quintel's subsidiary Multibuyer.com;

      c.    Marketing strategies and materials; provided that the manner of use
            of itarget's name in any of such materials shall be subject to
            itarget's approval, which shall not be unreasonably withheld or
            delayed;

      d.    Customer service.

3.    itarget will market the New Website as a promotional vehicle to its
      marketing partners and affiliates to drive customers to their products and
      services in the same manner in which itarget now markets its discount
      telephone card, e.g., providing the telephone card free of charge to other
      web site owners for their use as a premium offered to prospective
      customers to capture data about the prospective customer. In addition,
      itarget may market the New Website to customers and visitors to itarget's
      websites. The price and other terms of the programs offered by the New
      Website will be determined by Quintel. Quintel will have the right to
      pre-approve the identity of the persons or other entities to which itarget
      markets the New Website, such approval not to be unreasonably withheld or
      delayed.


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4.    Gross Profit with respect to revenues received by Quintel with respect to
      the use of the New Website shall be shared as provided in this Section 4.

      a.    Quintel will pay itarget 50% of the Gross Profit (defined below) on
            Direct Enrolled Program Revenues (defined below) earned by Quintel
            on the revenues received by Quintel from Enrolled Customers (defined
            below) obtained through the New Website. Quintel will pay itarget
            twenty-five percent (25%) of the Gross Profit (defined below) earned
            by Quintel on sales revenues from Enrolled Customers during the term
            of the Marketing Agreement, other than Direct Enrolled Program
            Revenues.

      b.    The term "Direct Enrolled Program Revenues" for purposes of this
            Agreement means sales revenues earned by Quintel on orders by
            Enrolled Customers for Quintel products or services made while the
            Enrolled Customer is using the New Website.

      c.    The term "Enrolled Customer" means each unique, valid customer
            enrolled as a customer in the MultiBuyer.com program from the New
            Website.

      d.    As an example of the application of the provisions of Paragraph
            4(a), if the Enrolled Customer logs on to the New Website directly
            or through a link to the New Website provided on one of itarget's
            websites, and purchases a product or service from Quintel while
            logged on to the New Website, then itarget will be entitled to
            receive 50% of the Gross Profit from such sales. If an Enrolled
            Customer thereafter contacts or is otherwise directed to another
            Quintel Website other than the New Website, then itarget will
            receive 25% of the Gross Profit from the sales made to the Enrolled
            Customer as a result of such contact.

      e.    Quintel will pay itarget nine cents ($.09) for each Enrolled
            Customer.

      f.    Only direct expenses will be charged by Quintel in determining Gross
            Profit, in accordance with generally accepted accounting principles,
            consistently applied.

      g.    Payments due to itarget will be made monthly on a provisional basis
            and reconciled quarterly and annually.

      h.    If Quintel obtains a customer from a third party who is identical to
            an Enrolled Customer or other customer for which Quintel would
            otherwise share revenues with itarget, and Quintel is obligated to
            share with such third party the revenues or profits derived from
            sales to such customer, then itarget shall not be entitled to
            receive any share of the Gross Profit generated by Quintel from such
            customer.

      i.    The definitive Agreement will contain procedures for record keeping
            and audit of the calculation of Gross Profit.

      j.    Gross Profit will mean gross revenues received by Quintel for the
            transactions referred to in this section 4, less Quintel's direct
            product expenses, determined in accordance with generally accepted
            accounting principles, consistently applied.

5.    Quintel may continue to offer group lotto and any other programs or
      services offered on the New Website on its other websites and through
      other marketing vehicles. During the term of the


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      Agreement, itarget will not offer or promote a game or promotion similar
      to the GroupLotto or MultiBuyer program.

6.    The New Website and the customers and database created using the New
      Website (the " the New Website Database") will be shared jointly by
      itarget and Quintel; provided, however, that itarget may use the New
      Website Database only in the marketing of itarget's products and services
      to prospective customers, and itarget shall not have the right to sell,
      lease or license the New Website Database to any third party. If, however,
      itarget sells one or more of its products or services to a customer first
      identified by itarget from the New Website Database, following such sale,
      information about such person thereafter obtained by itarget shall
      constitute part of itarget's database.

7.    The initial term of the Agreement shall be one (1) year, except that for a
      period of six months following the end of the term, the New Website may
      continue in existence to service continuing visitors, provided that the
      parties will not engage in active marketing of the New Website.

8.    The existing marketing agreement between Quintel and itarget dated
      November _______, 1999 shall be amended in the following respects:

      a.    The provisions of Section 1.3 of such existing marketing agreement
            shall be amended to provide that in the event of a Sale Transaction,
            as defined in such Section 1.3, the right to terminate described in
            such Section 1.3 may be exercised only after a minimum of one
            million (1,000,000) customers have been enrolled in the Quintel
            Marketing Programs.

      b.    If requested to do so by Quintel, customers enrolled by itarget in
            Quintel's Marketing Programs conducted under the existing marketing
            agreement shall be enrolled using the "opt-out" method, in which
            they will be advised that they are being enrolled in the Quintel
            Marketing Program, and the customer will be enrolled in such Program
            unless the customer affirmatively indicates that it does not want to
            be enrolled in the Program.

9.    This term sheet is subject in all respects to the negotiation, execution
      and delivery of a definitive agreement regarding the subject matter
      hereof; provided, however, that until execution and delivery of such
      agreement, this document shall constitute a binding agreement

QUINTEL COMMUNICATIONS, INC             itarget.com, inc.


By: /s/ Andrew Stollman                 By: /s/ Jonathan Weisz
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                                            1/19/00
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