Document:

<PAGE>   1
                                                                   EXHIBIT 10.14

                                    SUBLEASE

                                 BY AND BETWEEN

                               QUANTUM CORPORATION

                                       AND

                               CHANNELPOINT, INC.
                        FOR SUBLEASE PREMISES LOCATED AT

                           5825 MARK DABLING BOULEVARD
                        COLORADO SPRINGS, COLORADO 80919

<PAGE>   2

                           BASIC SUBLEASE INFORMATION

This Basic Sublease Information is provided solely as a convenience to summarize
certain Sublease provisions and is not intended as a complete summary of all
material terms and conditions of the Sublease. In the event of any inconsistency
between any information shown in this Basic Sublease Information and the
provisions of the Sublease, the provisions of the Sublease shall govern.

<TABLE>
<S>                                          <C>
Subtenant's Address:                         ChannelPoint, Inc.
                                             5755 Mark Dabling Boulevard
                                             Colorado Springs, CO 80919

Sublandlord's Address:                       Quantum Corporation
                                             500 McCarthy Blvd.
                                             Milpitas, CA 95035
                                             Attn:  Real Estate Department

Master Landlord:                             Pocol Holdings, Ltd.
                                             a Colorado limited partnership

Permitted Use:                               General office, warehouse, and any other
                                             legally permitted use approved by Master
                                             Landlord, provided such use does not involve
                                             the use of Hazardous Materials

Rentable Area of Sublease Premises:          Approximately 150,000 square feet,
                                             constituting the entire Building

Sublease Premises:                           5825 Mark Dabling Boulevard
                                             Colorado Springs, CO 80919

Sublease Commencement Date:                  January 1, 2000

Sublease Expiration Date:                    September 30, 2002

Rent Commencement Date:                      July 1, 2000

Initial Monthly Base Rent (NNN):             $96,875.00 (based on $7.75 per year per
                                             square foot for 150,000 square feet)

Annual increases in Base Rent:               Three percent (3%)

Security Deposit:                            $98,750.00

Subtenant's Broker:                          CRESA Partners
</TABLE>

<PAGE>   3
                                TABLE OF CONTENTS
<TABLE>
<CAPTION>

SECTION              TITLE                                                                                      PAGE
--------------------------------------------------------------------------------------------------------------------
<S>                 <C>                                                                                         <C>
1.                  SUBLEASE PREMISES                                                                             1
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2.                  INCORPORATION OF MASTER LEASE                                                                 2
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3.                  TERM                                                                                          2
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4.                  USE                                                                                           3
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5.                  RENT                                                                                          3
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6.                  SERVICES AND UTILITIES                                                                        4
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7.                  MAINTENANCE                                                                                   4
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8.                  ASSIGNMENT AND SUBLETTING                                                                     5
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9.                  NOTICES                                                                                       5
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10.                 DEFAULTS                                                                                      6
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11.                 PROVISIONS OF MASTER LEASE                                                                    6
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12.                 ALTERATIONS                                                                                   6
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13.                 SURRENDER AND HOLDOVER                                                                        7
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14.                 SECURITY DEPOSIT                                                                              7
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15.                 HAZARDOUS MATERIALS                                                                           7
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16.                 SIGNAGE                                                                                       8
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17.                 SUBTENANT'S INSURANCE                                                                         8
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18.                 MASTER LANDLORD CONSENT                                                                       9
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19.                 MISCELLANEOUS                                                                                 9

--------------------------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>   4
[ILLEGIBLE]
amended by that certain First Amendment to Industrial Lease dated January 1,
1997 (collectively, the "Master Lease"). Subtenant acknowledges having reviewed
a copy of the Master Lease, which is attached hereto as Exhibit A.

            B. Sublandlord desires to lease to Subtenant and Subtenant desires
to lease from Sublandlord the Premises on the terms and conditions set forth in
this Sublease.

1. SUBLEASE PREMISES

            a. Sublandlord leases to Subtenant and Subtenant hires from
Sublandlord the following described premises together with the appurtenances
thereto, situated in the City of Colorado Springs, State of Colorado, commonly
known and described as 5825 Mark Dabling Road, Colorado Springs, CO 80919, and
consisting of approximately 150,000 rentable square feet, in three Phases, as
follows:

<TABLE>
<CAPTION>

                                                         Approximate
     Phase           Delivery Date                      Square Footage            Location
     -----           -------------                      --------------            --------
<S>                  <C>                                <C>                     <C>
     I               January 1, 2000                    32,691                    Office Space
     II              February 15, 2000                  95,347                    Assembly/warehouse
     III             April 30, 2000                     21,962                    Warehouse
                                                        -------
                                             Total:     150,000
</TABLE>

Phase I, Phase II and Phase III are collectively referred to herein as the
"Sublease Premises." The location of each Phase of the Sublease Premises is
shown on the plan attached hereto as Exhibit B.

            b. In the event Sublandlord is unable to deliver possession of any
Phase of the Sublease Premises to Subtenant on the dates indicated for any
reason, then Sublandlord shall not be liable for any damage caused thereby, nor
shall this Sublease be void or voidable nor shall the term hereof be extended
beyond September 30, 2002. In the event Phase III is not delivered to Subtenant
on or prior to April 30, 2000, the July 1, 2000 rent commencement date as to
the 21,962 square feet of Phase III shall be delayed one (1) day after July 1,
2000 for each day of late delivery of the Phase III. In the event the term of
this Sublease commences after January 1, 2000, the expiration date of this
Sublease shall continue to be September 30, 2002, and the term of the Sublease
shall be adjusted accordingly.

<PAGE>   5
            This Sublease is subject to all of the terms and conditions of the
Master Lease and Subtenant hereby accepts, assumes and agrees to perform all of
the obligations of Sublandlord as Tenant under the Master Lease to the extent
such obligations are applicable to the Sublease Premises and all of the terms
and conditions of the Master Lease are incorporated herein as terms
and conditions of this Sublease (with each reference therein to Landlord, Tenant
and Premises to be deemed to refer to Sublandlord, Subtenant, and Sublease
Premises respectively), excepting only the following provisions of the Master
Lease and as set forth in Paragraph 11 below:

             Section 1.A, 1.C
             Section 2.A, 2.B, 2.C
             Section 3.A, 3.B
             Section 4
             Section 12-paragraphs one, two & three
             Section 26
             Section 31
             Section 35
             Exhibit A, Exhibit B, Exhibit C, Exhibit D

            In the event of any conflict or inconsistency between the
incorporated terms of the Master Lease and the terms of the Sublease which are
set forth in full, the terms of the Sublease which are set forth in full shall
prevail to the extent of any such inconsistency.

            In the event that either Subtenant or Sublandlord shall receive any
notice from the Master Landlord regarding a default pursuant to any of the
provisions of the Master Lease, the party receiving such notice shall promptly
give a copy thereof to the other party.

3. TERM

            a. The term of this Sublease ("Sublease Term") shall commence on
January 1, 2000 ("Sublease Commencement Date") and end on September 30, 2002
("Sublease Expiration Date"), unless earlier terminated pursuant to the
provisions of this Sublease.

            b. In the event of the termination for any reason of Sublandlord's
interest as Tenant under the Master Lease, then this Sublease shall terminate
therewith without any liability of Sublandlord to Subtenant; provided, however,
that Sublandlord may be liable to Subtenant for any termination of the Sublease
that results from Sublandlord's breach of the Master Lease, so

                                       2

<PAGE>   6
[ILLEGIBLE]
the Master Lease in full force and effect is caused in whole or in part by
Subtenant or its agents, employees or contractors); (b) Sublandlord shall not
agree to any amendment to the Master Lease that would materially adversely
affect Subtenant during the Sublease Term; (c) except on account of damage or
destruction or condemnation, Sublandlord shall not, without Subtenant's written
consent, exercise any right to terminate the Master Lease, with respect to any
period within the Sublease Term; (d) except to the extent such obligations are
assumed by Subtenant under this Sublease and except those obligations which
Sublandlord contests in good faith, Sublandlord shall perform its obligations
under the Master Lease during the Sublease Term (unless the failure to perform
is caused in whole or in part by Subtenant or its agents, employees or
contractors).

4. USE

            Subtenant shall use the Sublease Premises solely for the Permitted
Use identified in the Basic Sublease Information and for no other purpose
without the consent of Sublandlord and Master Landlord. Subtenant agrees that
its use shall comply with all applicable laws, statutes, ordinances,
governmental rules, regulations and requirements, including without limitation
all applicable fire and building codes and all Environmental Laws
(collectively, "Governmental Requirements"), and that it shall not use or permit
the Sublease Premises to be used for any purposes other than those described
above. Subtenant shall not commit or permit to be committed on the Sublease
Premises any act or omission which shall violate any term or condition of the
Master Lease.

5. RENT

            a. Subtenant shall pay Monthly Rental to Sublandlord as follows,
without offset or deduction for the Sublease Premises, in advance, on the first
day of each month of the Sublease Term, in lawful money of the United States.
Monthly Rental shall commence on July 1, 2000. Rent for any partial month shall
be prorated on the basis of the number of days in such month. All Monthly Rental
and other charges payable by Subtenant under this Sublease shall be referred
to herein as "Rent."

<TABLE>
<CAPTION>

PERIOD                                                 MONTHLY BASE RENT (NNN)
------------------------------------------------------ -------------------------------------------
<S>                                                      <C>
July 1, 2000 to June 30, 2001                                $ 96,875.00
------------------------------------------------------ -------------------------------------------
July 1, 2001 to June 30, 2002                                $ 99,781.25
------------------------------------------------------ -------------------------------------------
July 1, 2002 to September 30, 2002                           $102,774.69
------------------------------------------------------ -------------------------------------------
</TABLE>

                                       3
<PAGE>   7
            c. Rent payments shall be sent to Sublandlord in care of the
following address:

                               Quantum Corporation
                               500 McCarthy Blvd.
                               Milpitas, CA 95035
                               Attn:   Lease Administration

            d. Subtenant shall pay Sublandlord a late charge equal to the lesser
of 8% of the late payment of Rent (including but not limited to Monthly Base
Rent, Common Operating Costs, utilities as provided in Section 6 below, and
maintenance costs as provided in Section 7 below) or the maximum rate permitted
by law, if Rent is not received by Sublandlord when due. Notwithstanding the
foregoing, the late charge shall not be applied the first time in any calendar
year in which Rent is not received by Sublandlord within five (5) days after
same is due. In addition, Sections 25.B and 25.C of the Master Lease shall apply
to late payments.

6. SERVICES AND UTILITIES

            Subtenant shall pay for all water, gas, heat, light, telephone and
all other utilities applicable to the Sublease Premises together with any taxes
thereon. If any such services are not separately metered to the Sublease
Premises, Subtenant shall pay a reasonable proportion to be determined by
Sublandlord of all charges jointly metered with the remainder of the Building.
Subtenant shall contract for all utilities directly with the provider after
Subtenant is delivered occupancy of all Phases of the Sublease Premises.
Subtenant shall pay for all utilities for which Subtenant has not directly
contracted with the provider within twenty-five (25) days of receipt of invoice
from Sublandlord. Subtenant shall directly contract and pay for at least weekly
janitorial and such security services for the Sublease Premises as Subtenant
may require.

7. MAINTENANCE

            As provided in Section 10 of the Master Lease, Subtenant shall
maintain all aspects of the Sublease Premises in good order, condition and
repair during the term of the Sublease. Sublandlord shall have the right to
enter the Sublease Premises upon reasonable prior notice to inspect the
condition thereof. Subtenant shall deliver a copy of its maintenance records for
the Sublease Premises to Sublandlord on a quarterly basis, within thirty (30)
days after the end of every calendar quarter (or portion thereof) during the
Sublease Term.

                                       4

<PAGE>   8
9. NOTICES

            All notices and demands of any kind required to be given by
Sublandlord or Subtenant hereunder shall be in writing and effective the next
business day after depositing with a nationally recognized overnight courier
service such as Federal Express or three (3) days after depositing in the United
States certified mail, return receipt requested, postage prepaid, and addressed
to Sublandlord or Subtenant, as the case may be, at the address set forth below
or at such other address as they may designate from time to time by giving
notice in accordance with the provisions of this Section 9.

If to Sublandlord:   Quantum Corporation
                     500 McCarthy Boulevard
                     Milpitas, CA 95035
                     Attn:  Vice President, Real Estate

                     Send copy to:
                     Mr. Wayne Timura
                     Director, Real Estate and Development
                     Quantum Corporation
                     10125 Federal Drive
                     Colorado Springs, CO 80908

If to Subtenant:     ChannelPoint, Inc.
                     5755 Mark Dabling Boulevard
                     Colorado Springs, CO 80919

If to Master
Landlord:            Pocol Holdings, Inc.
                     c/o Mr. Peter Culshaw
                     Denver Technology Center
                     8350 East Crescent Parkway, Suite 100
                     Englewood, CO 80111

                                       5
<PAGE>   9
            a. Subtenant shall indemnify and hold harmless both (i) Sublandlord,
and its agents, employees, directors and officers, and (ii) Master Landlord,
pursuant to the indemnity provisions of the Master Lease;

            b. The obligations of Master Landlord under the Master Lease
(including the indemnification and maintenance obligations) shall remain the
obligations of Master Landlord and shall not be assumed by Sublandlord; and

            c. The right of entry of Master Landlord under the Master Lease
shall be the right of each of Master Landlord and Sublandlord.

12. ALTERATIONS

            In the event Subtenant desires to make alterations, additions or
improvements to the Sublease Premises, Subtenant shall concurrently provide to
each of Sublandlord and Master Landlord, in accordance with the notice
provisions herein, a description of the proposed alterations, additions or
improvements, together with and a copy of the proposed plans and specifications
for review and approval. Subtenant shall make no alterations, additions or
improvements in or to the Sublease Premises without the prior written consent of
both Sublandlord and Master Landlord. Sublandlord shall not unreasonably
withhold, condition or delay its consent to any proposed alteration, addition or
improvement. It shall not be unreasonable for Sublandlord to withhold consent to
any alteration, addition or improvement for which Master Landlord does not
provide consent. Sublandlord shall give its consent or reasons for failure to
consent to any proposed alteration, addition or improvement within five (5)
business days after Sublandlord has received from Subtenant a description of
the proposed alterations, additions or improvements, together with and a copy of
the proposed plans and specifications. Any such approved alterations, additions
or improvements shall be installed in accordance with the terms of the Master
Lease. Subtenant shall restore the Sublease Premises at the expiration or
earlier termination of the Sublease Term to its condition existing as of the
Commencement Date, reasonable wear and tear excepted, unless Master Landlord
otherwise agrees in writing.

            Sublandlord shall be responsible for removal (and restoration
necessitated by such removal) at the end of the term of the Master Lease of any
alterations Sublandlord made to the Sublease Premises during its tenancy which
Master Landlord requires to be removed in accordance with the provisions of
Section 10.C of the Master Lease.

                                        6
<PAGE>   10
[ILLEGIBLE]
as a result of such failure to vacate, plus interest at the rate of the lesser
of 18% per annum or the maximum rate allowed by law, on all amounts not paid by
Subtenant within ten (10) days of demand.

14. SECURITY DEPOSIT

            Upon execution of this Sublease, Subtenant shall pay to Sublandlord
the sum of $98,750.00 as a non-interest bearing security deposit for Subtenant's
performance under this Sublease. In the event Subtenant has performed all of the
terms and conditions of this Sublease throughout the term, this amount paid as
security deposit shall be returned to Subtenant within 30 days after
Subtenant's vacating the Sublease Premises, after first deducting any sums owing
to Sublandlord. In the event Subtenant breaches this Sublease, Sublandlord will
be entitled but not obligated to use or retain some or all of this security
deposit to compensate for any loss, expense or risk associated with the breach,
all without seeking judicial relief. In the event of such recourse to the
security deposit, Sublandlord is entitled to require Subtenant to replenish the
security deposit funds on thirty days' written notice. In no event will
Subtenant be entitled to have access to or require any portion of Sublandlord's
deposit with the Master Landlord.

15. HAZARDOUS MATERIALS

            a. As used herein, the terms "Environmental Laws," "Hazardous
Materials," and "Hazardous Material Activities" shall have the same meanings as
identified section 7D of the Master Lease.

            b. Subtenant shall conduct any and all of its Hazardous Materials
Activities on the Premises and Sublease Premises in compliance with applicable
Environmental Laws.

            c. Subtenant shall, at its own expense, procure, maintain in effect
and comply with all conditions of any and all environmental permits, licenses,
certificates, authorizations, or approvals required under any Environmental Laws
for any Hazardous Materials Activities at the Premises or Sublease Premises by
Subtenant ("Environmental Approvals").

            d. Sublandlord and Subtenant each shall deliver promptly to the
other any notices, orders, or similar documents received from any governmental
agency or official or third party concerning any alleged violation of any
Environmental Law. Upon having knowledge thereof, Sublandlord and Subtenant each
shall promptly provide notice to the other party of:

                                        7

<PAGE>   11
            e. Sublandlord shall indemnify, hold harmless, and defend Subtenant
from and against any liabilities, claims, demands, obligations,
responsibilities, losses, damages (whether punitive or consequential), charges,
costs and expenses (including, without limitation, attorneys', experts', and
consultants' fees and costs of investigation and feasibility studies) fines,
penalties and monetary sanctions or interest which are incurred at any time
related directly or indirectly to Hazardous Materials Activities of Sublandlord
or its employees, agents, contractors or invitees on or about the Premises or
Sublease Premises.

            f. Subtenant shall indemnify, hold harmless, and defend Sublandlord
from and against any liabilities, claims, demands, obligations,
responsibilities, losses, damages (whether punitive or consequential), charges,
costs and expenses (including, without limitation, attorneys', experts' and
consultants' fees, costs of investigation, and feasibility studies), fines,
penalties, and monetary sanctions or interest which are incurred at any time
related directly or indirectly to Hazardous Materials Activities of Subtenant or
its employees, agents, contractors or invitees on or about the Premises or
Sublease Premises.

            g. The provisions of Sections 15.e and 15.f shall survive the
expiration or earlier termination of this Sublease.

16. SIGNAGE

            Subtenant shall be entitled to utilize any building or monument
signage available to the Tenant under the Master Lease, with such signage being
subject to the approval of the Master Landlord and the terms of the Master
Lease. Subtenant shall remove such signage at the expiration or earlier
termination of the Sublease Term, and shall restore any damage caused by such
removal.

17. SUBTENANT'S INSURANCE

            Subtenant shall during the Sublease Term keep in full force and
effect the general liability insurance, all risk property insurance, worker's
compensation insurance and any other insurance required to be carried by Tenant
under Section 5.A of the Master Lease, all in accordance with the provisions of
such Section 5.A of the Master Lease. Master Landlord, Master Landlord's
managing agent, and Sublandlord shall be named additional insureds against
claims for personal injury and property liability as described in Section 5.A of
the Master Lease. Subtenant shall deliver to Sublandlord at least ten (10) days
prior to the Sublease

                                       8
<PAGE>   12
[ILLEGIBLE]
terminate this Sublease upon written notice to the other given prior to
receiving Master Landlord's consent.

            b. This Sublease (and delivery of possession of the Sublease
Premises to Subtenant) is subject to the condition that Subtenant reach
acceptable agreement with Master Landlord regarding (i) options to lease the
Sublease Premises after expiration of the Sublease Term; (ii) rights to install
communications devices; and (iii) parking rights on adjacent land. This
condition is for the benefit of Subtenant and may be waived by Subtenant at any
time. In the event Subtenant has not reached satisfactory agreement with Master
Landlord regarding these three items by January 7, 2000 and notified Sublandlord
of thereof as of such date, Subtenant shall have the right to terminate this
Sublease by giving Sublandlord written notice of termination on or prior to
January 15, 2000, time being strictly of the essence. In the event Subtenant
fails to notify Sublandlord by January 15, 2000 of Subtenant's termination of
this Sublease pursuant to this Section 18.b, this condition shall be deemed
waived, and Subtenant's right to terminate the Sublease pursuant to this Section
18.b shall be void and of no further force or effect.

19. MISCELLANEOUS

            a. Subtenant represents and warrants that it has not had dealings
with any real estate broker, finder or other person who could claim a commission
or finder's fee from Sublandlord with respect to this Sublease other than CRESA
Partners. Sublandlord represents and warrants that it has not had dealings with
any real estate broker, finder or other person who could claim a commission or
finder's fee from Sublandlord with respect to this Sublease. Each party shall
hold the other harmless from all damages resulting from such party's breach of
the foregoing representation and warranty. Sublandlord shall pay CRESA Partners
a commission for this transaction in the amount of $65,000, payable at rent
commencement in accordance with the provisions of a separate agreement.

            b. This Sublease may be executed in one or more counterparts, each
of which shall be deemed the original, and together which shall constitute an
original.

                                        9

<PAGE>   13
            c. The individuals signing below represent that they have the
requisite corporate authority to execute this Sublease on behalf of their
respective corporations and to bind their respective corporations to the terms
and conditions of this Sublease. On or prior to January 31, 2000, Subtenant
shall deliver to Sublandlord evidence satisfactory to Sublandlord that the below
named individuals are authorized to execute this Sublease on behalf of
Subtenant.

            d. This instrument contains all of the agreements and conditions
made between the parties hereto and may not be modified orally or in any other
manner other than by an agreement in writing signed by all of the parties
hereto. This Sublease supersedes and revokes all prior negotiations, letter of
intent and understandings, whether oral or in writing, between the parties
or their respective representatives.

<TABLE>
<CAPTION>
"SUBLANDLORD"                                    "SUBTENANT"
<S>                                              <C>
Quantum Corporation                              ChannelPoint, Inc.
a Delaware corporation                           a Colorado corporation

By: /s/ NORM CLAUS                               By: /s/ TIMOTHY D. HOOGHEEM
   ----------------------------------                ------------------------------------

Print Name: Norm Claus                           Print Name: Timothy D. Hoogheem
           --------------------------                       ------------------------------

Title:   Worldwide Corporate                     Title: SVP Finance and Administration/CFO
         Real Estate & Services/Vice                    ----------------------------------
         President
      -------------------------------

Date Executed:                                   Dated Executed: February 15, 2000
               ----------------------                           --------------------------
</TABLE>

                                               10
<PAGE>   14
                   CERTIFIED SIGNATURE AUTHORITY & RESOLUTIONS

            The undersigned, being duly elected Assistant Corporate Secretary of
ChannelPoint, Inc., a Colorado corporation ("Corporation"), hereby certifies
that the following is true in lieu of a special meeting of the Corporation's
Board of Directors.

            RESOLVED, that the Corporation is hereby authorized to execute,
deliver and fully perform that certain sublease document dated January 1, 2000
by and between the Corporation and Quantum Corporation, a Delaware corporation
(the "Sublease"), for the sublease of space at 5825 Mark Dabling Boulevard,
Colorado Springs, Colorado.

            RESOLVED FURTHER, that the following officers acting together:
Timothy Hoogheem, as Vice President Finance and Administration, and Philip
McNichols, as Vice President Human Resources and Facilities are authorized to
execute and deliver the Sublease on behalf of the Corporation, together with any
other documents and/or instruments ancillary to the Sublease. The execution
thereof to be conclusive evidence of such approval and to execute and deliver on
behalf of the Corporation all other documents necessary to effectuate said
transaction in conformance with these resolutions.

Dated: February 4, 2000
      -----------------------------

                                         /s/ JAMES C. T. LINFIELD
                                         ------------------------------------
                                         James C. T. Linfield, Assistant
                                         Corporate Secretary

                                         and

                                         /s/ ILLEGIBLE
                                         ------------------------------------
                                                              General Counsel
                                         --------------------,<PAGE>   1
                                                                   EXHIBIT 10.15

                                 LEASE AGREEMENT

DATE OF LEASE: JANUARY 1, 1999 MONTHLY RENT: SEE PARAGRAPH 3 OF ATTACHED RIDER

TERM: DECEMBER 14, 1998 TO MAY 31, 2004

LOCATION OF PREMISES: ADDRESS AND PORTION OF BUILDING DESCRIBED IN PARAGRAPH 2
OF ATTACHED RIDER

LESSEE: INSURQUOTE SYSTEMS, INC.         LESSOR: THE JACOBSON GROUP
        PROVO, UTAH                              P.O. BOX 296
                                                 PROVO, UT 84603
                                                 ATTN: RUSS JACOBSON

     1. Lease. Lessor hereby leases to Lessee and Lessee hereby leases from
Lessor for the purposes set forth in paragraph 2 the above designated premises,
together with the appurtenances thereto (the "Premises") for the above term.

     2. Use of the Premises. Premises shall be used for the operation of an
office. Lessor warrants that the intended use of the Premises complies with all
applicable zoning regulations or that a variance has been obtained therefrom.
Lessee shall not use the premises for any illegal purposes; or in any manner to
vitiate the insurance or increase the rate of insurance on Premises. Lessee
shall not store any materials currently considered hazardous by any federal,
state, county, or city agency.

     3. Rent. Lessee shall pay Lessor as rent for the Premises the sum stated
above, monthly in advance on the first business day of each such month, until
termination of this Lease, at Lessor's address stated above or such other
address as Lessor may designate in writing. Rent for any period less than a full
month shall be prorated based upon the actual number of days occupied over the
number of days in that month.

     4. Condition of Premises. Prior to commencement of the term of this Lease,
Lessee and Lessor shall jointly inspect the Premises for the purpose of making a
punch list. Lessor shall promptly cure any defects noted thereon within 30 days
from receipt of written punch list. Subject to that punch list, Lessee accepts
the proposed premises as suited for the uses intended by Lessee. Lessee agrees
to return the premises to Lessor at the expiration or termination of this Lease
in as good condition and repair as when first received, natural wear and tear,
damage by storm, fire, lightning, earthquake, or other casualty alone excepted.

     5. Lessor's Maintenance. Lessor agrees to keep in good repair the roof
foundations, and exterior walls of any building located on the Premises
(exclusive of all glass and exclusive of all exterior doors), and underground
power utility and sewer pipes, except repairs rendered necessary by the
negligence of Lessee, its agents, employees, or invitees. Lessor gives to Lessee

<PAGE>   2

exclusive control of the Premises and shall be under no obligation to inspect
the premises. Lessee shall promptly report in writing to Lessor any defective
condition known to it which Lessor is required to repair.

     6. Lessee's Maintenance. Lessee shall, throughout the term of this Lease at
its expense, maintain in good order and repair the interior of any building
located on the Premises, electrical, heating and air conditioning equipment,
except those repairs expressly required to be made by Lessor hereunder. In no
event shall Lessee be obligated to replace the plumbing, electrical or HVAC
systems unless such damages are caused by the affirmative acts of the Lessee.
Lessee shall, throughout the term of this Lease, pay its prorated share of
common area maintenance based on the total cost of maintenance divided by the
total square footage of rentable space of all buildings in the development.

     7. Insurance. Lessee shall obtain and keep current on the Premises
liability insurance coverage against all claims covered by the indemnification
contained in paragraph 13 with minimum limits of $2,000,000.

         Lessee shall obtain and keep current fire and extended coverage
insurance on the building and any other improvements situated on the Premises in
an amount equal to their replacement value. Lessee shall obtain and keep current
fire and extended coverage insurance on any tenant improvements, fixtures,
equipment, furniture, and all other personal property of Lessee on or about the
Premises. Lessor and Lessee each hereby release the other from any loss or
damage to their property arising from a risk insured or could have been insured
against under the above fire and extended coverage insurance policies even
though such loss or damage was caused by the negligence of that party, its
agents, or employees.

         Each such policy shall name the other party as an additional insured
party, shall be cancelable only upon 30 days' notice to the other party, and
shall contain a waiver of subrogation as against the other party. If either
party fails to obtain and pay for this insurance, the other party, at its
option, may obtain and pay for that insurance. On demand of the party so
obtaining that coverage, the premiums so paid shall become immediately due and
owing.

         No insurance policy hereunder shall be cancelable without thirty days
written notice thereof to Lessor. Lessee shall submit a certificate of insurance
for each policy hereunder to Lessor on not less than an annual basis within
thirty days prior to the expiration date of each such policy, and within 10 days
after the signing of this Lease. Lessor shall be named as an additional insured
on said policies.

         There shall not be allowed, kept, or used on the Premises any
inflammable or explosive liquids or materials save such as may be necessary for
use in Lessee's business, and in such case, any such substances shall be
delivered and stored in amount, and used, in accordance with the rules of the
applicable Board of Underwriters and statutes and ordinances now or hereafter in
force.

<PAGE>   3

     8. Taxes. Lessee is solely responsible for and shall promptly pay when due
all real estate taxes and all ad valorem taxes on the Premises. Lessee shall
promptly pay when due all taxes assessed against and upon trade fixtures and
upon furnishings, equipment, and all other personal property of Lessee contained
in the Premises.

     9. Utilities. Lessee will pay, in addition to the rent above specified, all
gas, and electric light and power bills taxed, levied, or charged on the
Premises, for and during the time for which this Lease is granted. (If any such
utility charge is for more than the space leased hereunder, Lessee shall pay its
pro rata share thereof based on square footage.) If the bills for gas, electric
light and power shall not be paid when due, Lessor shall have the right to pay
the same, which amounts so paid, together with any sums paid by Lessor to keep
the Premises in a clean and healthy condition, as above specified, are declared
to be so much additional rent payable with the installment of rent next due
thereafter. Lessee agrees to pay all metered water on the Premises. Irrigation
water will be prorated with area maintenance expense.

     10. Improvements. Lessee shall not make any alterations or improvements to
the premises without Lessor's prior consent thereto. All such alterations or
improvements shall be at Lessee's sole expense.

         Lessee shall be entitled upon the termination of this Lease to remove
any alterations or improvements made by it which can be removed without causing
material damage to the Premises or the building situated thereon. Lessee shall
repair any damage to the premises or the building situated thereon caused by any
such removal.

     11. Liens. Lessee will not permit any mechanic's lien or liens to be placed
upon the Premises or any building or improvement thereon during the term hereof,
and in case of the filing of such lien, Lessee will promptly pay or discharge
the same. If default in payment thereof shall continue for 30 days after written
notice thereof from Lessor to Lessee, Lessor shall have the right to pay the
same or any portion thereof without inquiry as to the validity thereof, which
amounts so paid are declared to be so much additional rent payable with the
installment of rent next due thereafter.

     12. Compliance with Laws. Lessee shall comply with all local or general
regulations, laws, and ordinances applicable thereto, as well as lawful
requirements of all competent authorities in that behalf, provided, however,
that Lessee shall not be required to make any alterations or repairs to the
Premises whether required by law or otherwise.

     13. Indemnifications. Lessor shall not be liable to Lessee or to Lessee's
employees, agents, or visitors, or to any other person whomsoever, for any
injury to persons or damage to Premises on or about the Premises caused by the
negligence or misconduct of Lessee, its employees, sublessees, licensees, or
concessionaires, or any other person entering the Premises under express or
implied invitation of Lessee, or arising out of the use of the Premises by
Lessee and the conduct of its business therein, or arising out of any breach or
default by Lessee in the performance of its obligations hereunder; and Lessee
hereby agrees to indemnify Lessor and hold it harmless from any loss, expense,
or claims arising out of such damage or injury. Lessee shall

<PAGE>   4

not be liable for any injury or damage caused by the negligence or misconduct of
Lessor, or its employees or agents, and Lessor agrees to indemnify Lessee and
hold it harmless from any loss, expense, or damage arising out of such damage or
injury.

     14. Destruction. If the whole of the Premises, or such portion thereof in
Lessee's reasonable opinion as will make the Premises unusable for the purposes
herein leased, are destroyed by storm, fire, lightning, earthquake, or other
casualty, then the term of this Lease shall cease from the date of such casualty
and rental shall be accounted for as between Lessor and Lessee as of that date.
If the Premises are damaged but not so destroyed by any such casualty, rental
shall abate in such proportion as use of Premises has been destroyed, and Lessor
shall restore Premises to substantially the same condition as before such damage
as speedily as practicable, whereupon full rental shall recommence. Should such
restoration exceed 90 days, lessee shall have the right to terminate this Lease
upon written notice to Lessor.

     15. Condemnation. If the whole of the premises, or such portion thereof in
Lessee's reasonable opinion as will make the Premises unusable for the purposes
herein leased, are condemned by any legally constituted authority for any public
use or purpose, then the term of this Lease shall cease from the date when
possession thereof is taken by the applicable public authority, and rental shall
be accounted for as between Lessor and Lessee as of that date. Such termination,
however, shall be without prejudice to the rights of either Lessor or Lessee to
recover compensation and damage caused by such condemnation from the condemner.
If part of the Premises are condemned by any legally constituted authority for
any public use or purpose, but in Lessee's reasonable opinion the Premises are
usable for the purposes herein leased, then Lessor shall restore the premises to
an operable condition and the rent shall be adjusted to reflect the square
footage so condemned, such adjustment to be as of the date title vested in the
condemner. It is further understood and agreed that neither the Lessee nor
Lessor shall have any rights in any award made to the other by any condemnation
authority notwithstanding the termination of this Lease in whole or in part as
herein provided.

     16. Access to Premises. Lessee will allow Lessor reasonable access to the
Premises during normal business hours for the purpose of examining or exhibiting
the same, or to make any needful repairs or such alterations which Lessor may
see fit to make. Lessee will allow to have placed upon the Premises notice of
"For Sale" and, during the last 90 days of the term of this lease, "To rent,"
and will not interfere with the same.

     17. Defaults; Remedies. In the event that (a) Lessee shall default in the
payment when due of the rent, or any part thereof, including additional rent,
and such default continues for 10 days after written notice from Lessor, (b)
Lessee shall not perform any of the covenants herein contained to be kept by
Lessee and fails to cure the same within 30 days after written notice from
Lessor or is not proceeding diligently to cure the same if such default would
reasonably take more than 30 days to cure, or (c) Lessee shall become insolvent
within the meaning of the Federal Bankruptcy Reform Act of 1978, as amended, or
shall be unable to pay its debts as they mature, then Lessor may, at any time
thereafter at its election, declare the term of this Lease ended and reenter the
Premises or any part thereof, with or (to the extent permitted by law) without
notice or process of law, and remove Lessee or any persons occupying the same,
without prejudice to

<PAGE>   5

any remedies which might otherwise be used for arrears of rent. It is further
agreed that after the service of notice, or the commencement of a suit or after
final judgment for possession of the Premises, should Lessor receive and collect
any rent due, the payment of such rent shall not waive or affect that notice,
suit, or judgment.

     18. Assignment. Lessee will not allow the Premises to be occupied in whole,
or in part, by any other person, and will not sublet the same or any part
thereof, nor assign this Lease without in each case the written consent of
Lessor first had. Such consent shall not be unreasonably held. Notwithstanding
the foregoing, Lessee shall be entitled to assign this Lease or sublet all or
part of the Premises to an affiliate without obtaining Lessor's consent thereto.

     19. Signs. Lessee shall not place any signs (other than ones containing its
name or tradename without graphics) upon the outside walls or roof of the
Premises without the written consent of Lessor.

     20. Option to Renew. Lessee is hereby granted an option to renew the term
of this Lease for two (2) additional (5) year terms subject to all the terms and
conditions hereof (except rent amount, which shall be negotiated on an arm's
length basis between Lessor and Lessee), which option is exercisable upon at
least 60 days written notice prior to the expiration of this Lease.

     21. Holding Over. If Lessee remains in possession of the Premises or any
part thereof after the expiration of the term of this Lease, such occupancy
shall be a tenancy from month to month upon all the provisions of this Lease
pertaining to Lessee's obligations. Any option granted to Lessee hereunder shall
be deemed terminated.

     22. Subordination. So long as Lessee is not in default hereunder, Lessee
shall have quiet enjoyment of the Premises for the entire term hereof. Lessee's
rights, however, shall be subject to any bona fide mortgage or deed to secure
debt which is now or may hereafter be placed upon the Premises by Lessor,
provided, however, that any such mortgage or deed shall have a nondisturbance
clause granting Lessee the right to use the Premises so long as Lessee is not in
default under this Lease.

     23. Notice. Any notice required or permitted to be given hereunder shall be
in writing and delivered in person or by certified or registered mail, postage
prepaid, addressed to the appropriate party at that address set forth therefor
in the heading hereof. Any notice to Lessee shall also be with a copy to the
Premises. Either party may change its address by written notice to the other.

     24. Rights Cumulative. The rights and remedies of Lessor under this lease
are cumulative. The exercise or use of any one or more thereof shall not bar
Lessor from exercise or use of any other right or remedy provided herein or
otherwise provided by law, nor shall exercise nor use of any right or remedy by
Lessor waive any other right or remedy.

<PAGE>   6

     25. Definition of Lessor. The word "Lessor" whenever used herein shall be
construed to mean "Lessors" in case more than one legal entity executed this
Lease as such; and all the covenants and agreements contained shall be jointly
and severally binding upon, and jointly and severally inure to them, their
respective successors, heirs, executors, administrators, and assigns.

     26. Severability. Wherever possible, each provision of this Lease shall
be interpreted in such manner as to be effective and valid under applicable law,
but if any provision of this Lease shall be prohibited by or invalid under
applicable law, such provision shall be ineffective to the extent of such
prohibition or invalidity, without invalidating the remainder of such provision
or the remaining provisions of this Lease.

     27. Governing Law. This lease shall be construed in accordance with and
governed by the laws of the state in which the Premises are located.

     28. Attorneys' Fees. If, on account of any breach or default by Lessor or
Lessee of their respective obligations under this Lease, it shall become
necessary for the other to employ an attorney to enforce or defend any of its
rights or remedies hereunder and should such party prevail, it shall be entitled
to any reasonable attorney's fees incurred in such connection.

A rider of 1 page containing 5 paragraphs is attached hereto.

IN WITNESS WHEREOF, the parties have executed this lease on the day and year
first above written.

LESSEE:
InsurQuote Systems, Inc.                     By: /s/ WILLIAM B. WOAHN
                                                 --------------------------
                                                 President and CEO

LESSOR:
The Jacobson Group                           By: /s/ S. R. JACOBSON
                                                 --------------------------
                                                 General Partner

<PAGE>   7

RIDER TO LEASE AGREEMENT BETWEEN THE JACOBSON GROUP (LESSOR) AND INSURQUOTE
SYSTEMS, INC. (LESSEE) FOR PREMISES LOCATED IN PROVO, UTAH, AS FURTHER DESCRIBED
IN PARAGRAPH 2 BELOW.

1.   Anything to the contrary contained in the lease of which this Rider is a
     part notwithstanding, the terms and provisions of this Rider shall
     supersede same and shall govern.

2.   It is understood and agreed by and between the parties that the premises is
     identified as the land and buildings situated at 533, 549, and 585 East
     1860 South, Provo, Utah. Lessor to complete building according to plans
     attached in exhibit 1.

3.   Lessee covenants and agrees to pay Lessor as rent for and during the terms
     hereof the sum of thirty nine thousand two hundred dollars and no cents
     ($39,200.00) due on the first day of each month when all three buildings
     are occupied. Rent will be payable on each building for the pro-rata
     portion of each month occupied, in the month first occupied.

4.   Lessee may terminate this lease without being in default by paying Lessor
     50% of the total remaining balance of the lease due and payable at the
     termination of the lease.

5.   Lessee covenants and agrees to pay Lessor a penalty of 5% of one lease
     payment if the payment is not paid before the 15th day of the month in
     which the payment was due. If at any time the lease is terminated by the
     Lessee before May 31, 2004 the Lessee agrees to pay an amount equal to one
     half of the remaining value of the lease.

LESSEE: InsurQuote Systems, Inc.       LESSOR: The Jacobson Group

 By: /s/ WILLIAM B. WOAHN              By: /s/ S. R. JACOBSON
     --------------------------        ----------------------
     President & CEO                   General Partner

A  =  10,000 sqft @ 98 cents =  9,800
B  =  15,000 sqft @ 98 cents = 14,700
C  =  15,000 sqft @ 98 cents = 14,700

<PAGE>   8

                            [INSURQUOTE LETTERHEAD]

                                                       February 1, 1999

Mr. Russ Jacobson, General Partner
PO Box 296
Provo, Utah 84603

Dear Russ:

As we discussed, I am writing this letter to formalize our understanding that
the lease agreement dated January 1, 1999 supercedes all previous lease
agreements, riders and letters of understanding between InsurQuote Systems, Inc.
and The Jacobson Group, as each of the existing buildings are vacated and the
three new buildings are occupied. In addition, InsurQuote Systems, Inc. hereby
grants you ownership of all leasehold improvements abandoned in the existing
buildings. Please sign below to indicate your agreement with the provisions of
this letter.

Sincerely,

/s/ KENT THOMAS

Kent Thomas
Chief Financial Officer

Agreed and Accepted:
The Jacobson Group:

/s/ RUSS JACOBSON
------------------------------
Russ Jacobson, General Partner

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