Document:

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                                                                   Exhibit 10.30

                                    SUBLEASE

          THIS SUBLEASE ("Sublease") is made and entered into as of the 18th
day of September, 2002, by and between 101 COMMUNICATIONS, LLC, a Delaware
limited liability company ("Sublandlord") and iPAYMENT, INC., a Tennessee
corporation ("Subtenant").

                                    RECITALS

     A.   Catellus Finance 1, L.L.C., a Delaware limited liability company
("Master Landlord"), as landlord, and Sublandlord, as tenant, entered into that
certain Office Lease dated as of July 21, 1999, pursuant to which Master
Landlord leased to Sublandlord and Sublandlord leased from Master Landlord
approximately 21,463 rentable square feet of space known as Suite 101 (the
"Premises") in the building located at 9121 Oakdale Avenue, in Chatsworth,
California (the "Building"). The Office Lease was amended pursuant to that
certain First Amendment to Office Lease, dated as of June 18, 2000, by which an
additional 10,929 rental square feet being located on the Second Floor of the
Building were added to the Lease (the "Additional Premises") as shown on
Schedule 1 of the First Amendment. The Office Lease was further amended by that
certain Second Amendment to Office Lease dated as of February 26, 2001. The
Office Lease as amended to date is referred to herein as the "Master Lease." A
true and complete copy of the Master Lease is attached to this Sublease as
EXHIBIT A and made a part hereof.

     B.   Subtenant desires to sublease from Sublandlord and Sublandlord
desires to sublease to Subtenant, a portion of the Additional Premises located
on the second floor of the Building consisting of approximately 4,661 rentable
square feet, as depicted on EXHIBIT B to this Sublease (the "Subpremises") upon
the terms, covenants and conditions set forth herein.

                                   AGREEMENT

          NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, Sublandlord and Subtenant agree
as follows:

          1.   Capitalized Terms. All capitalized terms used in this Sublease
and not otherwise defined herein shall have the same meanings given such terms
in the Master Lease.

          2.   Demise. Sublandlord hereby subleases to Subtenant and Subtenant
hereby subleases from Sublandlord the Subpremises.

          3.   Term. The "Term" of this Sublease shall commence on the later of
(a) October 1, 2002; or (b) ten (10) days after the date that Sublandlord
delivers Master Landlord's written consent to this Sublease to Subtenant, or
such other date to which the parties mutually agree (the "Sublease Commencement
Date"). Sublandlord agrees to vacate the Subpremises and deliver possession
thereof to Subtenant on or before the date that Sublandlord delivers Master
Landlord's written consent to this Sublease to Subtenant. Subtenant shall have
the right to access the Subpremises from and after the execution date to enable
Subtenant to perform measurements and space planning, but not for construction.
From and after the date that Sublandlord delivers Master Landlord's written
consent to the Sublease to Subtenant and continuing up to the Sublease
Commencement Date, Subtenant shall have the right to enter upon

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and install its data equipment, trade fixtures and furniture and, subject to any
notice and consent provisions of the Master Lease, if any, make the alterations
identified in EXHIBIT C hereto. Such early entry will not cause the Base Rent
and other Rent under this Sublease to commence, but shall otherwise be subject
to all the other terms and conditions of this Sublease, including without
limitation thereto, evidence of the insurance required by the terms of this
Sublease and the indemnity provisions of Section 10. The Term shall expire on
August 29, 2004, the day before the expiration date of the term  of the Master
Lease, unless sooner terminated as provided in this Sublease or pursuant to the
terms of the Master Lease. Sublandlord estimates that it will be in a position
to deliver Master Landlord's written consent to this Sublease to Subtenant on or
about September 21, 2002. If Sublandlord is unable to deliver Master Landlord's
written consent to this Sublease to Subtenant by October 1, 2002, then this
Sublease shall not be void or voidable and Sublandlord shall not be liable to
Subtenant, but the Sublease Commencement Date (and Subtenant's obligation to pay
Base Rent and other Rent under this Sublease) shall be delayed until Master
Landlord's written consent to this Sublease is delivered to Subtenant, provided,
however, that if the Master Landlord fails to consent to this Sublease by
October 10, 2002, then either party shall have the right to terminate this
Sublease upon written notice to the other party prior to the receipt of such
consent from the Master Landlord and Sublandlord shall return any prepaid Rent
and Security Deposit to Subtenant, and the parties shall be released from any
obligations or rights hereunder. The terms and provisions of this Section 3
shall constitute the parties' entire agreement regarding the Term of this
Sublease and the provisions of Section 2 of the Master Lease are not deemed to
be incorporated into this Sublease.

          4. Base Rent. During the Term of this Sublease, Subtenant shall pay to
Sublandlord Base Rent in the following amounts: (i) the Base Rent for the period
from the Sublease Commencement Date trough September 30, 2003, will be $3,495.75
per month; and (ii) the Base Rent for the period October 1, 2003, through August
29, 2004, will be $3,600.62 per month. All payments of Base Rent by Subtenant
hereunder shall be paid by Subtenant to Sublandlord at "Tenant's Address" set
forth in the Master Lease, or at such other address as selected by Sublandlord
from time to time on written notice to Subtenant. If the Term commences (or
ends) on a date other than the first (or last) day of a month, Base Rent shall
be prorated on the basis of a thirty (30) day month. Sublandlord and Subtenant
shall acknowledge in writing the Sublease Commencement Date.

          5. Operating Expenses and Other Rent. Subtenant shall have no
obligation to pay any portion of the Building's Operating Expenses, Real
Property Taxes, or insurance costs, and the terms and provisions of Sections 5,
6, and 7 of the Master Lease are not deemed to be incorporated into this
Sublease.

          6. As-Is Condition of Subpremises. Except for the obligation of
Sublandlord to erect a demising wall as specified in Section 14 of this
Sublease, notwithstanding any other contrary provision of this Sublease or the
Master Lease, Sublandlord shall deliver the Subpremises to Subtenant in an
"as-is" with all faults condition, and Sublandlord shall not be obligated to
make any repairs, restoration, alterations or improvements to the Subpremises in
connection with Subtenant's occupancy thereof other than as expressly set forth
herein. Subtenant acknowledges that Sublandlord has made no representation or
warranty to Subtenant regarding the condition of the Subpremises or the
suitability thereof for Subtenant's purposes.

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     7.   Security Deposit. Concurrent with the execution and delivery of this
Sublease, Subtenant shall pay the Sublandlord a security deposit in the amount
of $3,495.75. Such security deposit shall be delivered to Sublandlord to secure
the faithful performance by Subtenant of its obligations under this Sublease.
Sublandlord shall hold and administer such security deposit in accordance with
the terms and provisions set forth in Section 3.3 of the Master Lease, and such
terms will apply to the security deposit delivered by Subtenant pursuant to the
terms of this Sublease.

     8.   Use. Subtenant covenants and agrees to use the Subpremises solely for
the Permitted Use set forth in the Master Lease and otherwise in accordance
with and subject to the provisions of the Master Lease.

     9.   Master Lease.

          9.1  Relationship of Sublease to Master Lease. Subtenant acknowledges
that this Sublease is subject and subordinate to the Master Lease and to all of
the terms, covenants and conditions set forth therein. Subtenant covenants and
agrees during the Term of this Sublease to perform and observe all of the terms,
covenants, conditions and agreements set forth in the Master Lease to be
performed by or which are applicable to, Sublandlord, as tenant, to the extent
that such terms, covenants, conditions and agreements are not expressly modified
or amended by this Sublease, and provided further, that such are limited to the
Subpremises only (as opposed to the entire Premises or the entire Additional
Premises.) Without limiting the foregoing, and notwithstanding the provisions
Section 16.6 of the Master Lease to the contrary, in no event shall Subtenant be
liable for the payment of any Base Rent or Additional Rent under the terms of
the Master Lease other than Subtenant's obligation to pay the Base Rent set
forth in this Sublease. Subtenant shall not do or suffer or permit anything to
be done which would constitute a breach or default under the Master Lease or
might cause the Master Lease to be terminated, canceled or forfeited.

          9.2  Incorporation of Master Lease. Except to the extent the terms and
conditions set forth in this Sublease expressly modify or contradict the terms
and conditions of the Master Lease, all of the terms and conditions set forth in
the Master Lease are hereby incorporated into and made a part of this Sublease.
For purposes of such incorporation, all references in the Master Lease to
"Landlord" shall mean and refer to Sublandlord and all references in the Master
Lease to "Tenant" shall mean and refer to Subtenant. Except as otherwise
expressly provided in this Sublease, the rights and obligations of the Landlord
and the Tenant under the Master Lease shall be deemed the rights and obligations
of Sublandlord and Subtenant, respectively, hereunder, and shall be binding upon
and inure to the benefit of Sublandlord and Subtenant, respectively. As between
the parties to this Sublease only, in the event of a conflict between the terms
of the Master Lease and the terms of this Sublease, the terms of this Sublease
shall control.

          9.3  Landlord's Performance Under Master Lease. Notwithstanding any
contrary provision of this Sublease, Subtenant recognizes, understands and
agrees that Sublandlord is not in a position to render any of the services or
to perform any of the obligations of Master Landlord under the Master Lease
which have otherwise been incorporated herein. Therefore, notwithstanding
anything to the contrary set forth in this Sublease, Sublandlord shall

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in no event be liable to Subtenant for any covenants, obligations, indemnities,
representations or warranties to be performed or provided by Master Landlord
under the Master Lease, nor shall any failure or delay on the Master Landlord's
part in the performance of any such covenants, obligations, indemnities,
representations or warranties excuse the performance by Subtenant of its
obligations under this Sublease, including, without limitation, the obligation
to pay Rent, nor permit Subtenant to terminate this Sublease or any of its
obligations hereunder, provided, however, Subtenant shall be entitled to
participate with Sublandlord in the enforcement of Sublandlord's rights against
the Master Landlord under the Master Lease, and, at Subtenant's written request,
Sublandlord shall take commercially reasonable steps, at Subtenant's expense, to
enforce Sublandlord's rights against Master Landlord. Notwithstanding the
foregoing, if as a result of a breach or default by Master Landlord under the
Master Lease, Sublandlord has the right to abate its Rent payable thereunder, or
a portion thereof, then Subtenant shall have the same right under this Sublease
to the extent of Sublandlord's rights under the Master Lease. If Sublandlord
shall take or participate or assist in, or shall be requested to take,
participate or assist in, any actions to enforce Sublandlord's rights against
the Master Landlord, in so far as they are connected to or affect the
Subpremises. Subtenant agrees to be responsible for all costs, expenses and
other amounts incurred by Sublandlord in connection therewith, including,
without limitation, attorneys' and/or consultants' fees and other costs of suit,
if they are solely related to the Subpremises, or its proportionate share of
such costs and expenses, to the extent that such actions also relate to other
portion of the Premises under the Master Lease. Subtenant agrees to indemnify,
defend and hold Sublandlord harmless from and against any and all liabilities,
damages, claims, losses, costs and expenses (including, without limitation,
reasonable attorneys' fees) incurred by or brought against Sublandlord as a
result of or in connection with any actions or proceedings taken or instituted
by Subtenant (or by Sublandlord at Subtenant's request) to enforce Sublandlord's
rights and remedies under the Master Lease, whether or not Sublandlord joins
therein.

          9.4 Sublandlord Covenants. Sublandlord covenants and agrees (i) not
to voluntarily terminate the Master Lease, (ii) not to modify the Master Lease
so as to adversely affect Subtenant's rights hereunder, and (iii) to take all
actions reasonably necessary to preserve the Master Lease.

     10. Indemnification. Subtenant hereby agrees to indemnify, defend and hold
Sublandlord harmless from and against any and all claims, losses, damages,
liabilities, costs and expenses (including, without limitation, reasonable
attorneys' fees and disbursements) incurred by or brought or asserted against
Sublandlord arising out of or related to (a) Subtenant's breach or failure to
perform or comply with any covenants, agreements, terms or conditions of this
Sublease or the Master Lease; (b) Subtenant's use or occupancy of the
Subpremises; and/or (c) any activity, or thing done, permitted to be done or
suffered by Subtenant, its agents, employees, contractors, invitees, licensees,
successors or assigns in or about the Subpremises or Building. The terms and
provisions of this Section 10 shall survive the expiration or earlier
termination of the Sublease and/or the Master Lease.

     11. Consents and Approvals. Whenever in the Master Lease the Master
Landlord  is required to obtain the consent or approval of Sublandlord with
respect to a matter, Sublandlord shall not grant such consent or approval
without first informing Subtenant of such matter (unless Master Landlord has
notified Subtenant with respect thereto), and obtaining

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Subtenant's consent or approval to the matter. Subtenant shall be required to
notify Sublandlord in writing of its decision as to such requested consent or
approval within the time frames for Sublandlord's response under the Master
Lease, failing which Sublandlord alone shall have the right to grant or deny the
requested consent or approval. Whenever in the Master Lease the consent or
approval of the Master Landlord shall be required with respect to a matter,
Subtenant shall obtain such consent or approval from both Master Landlord and
Sublandlord. The standards for the granting or withholding of any consent or
approval under the Master Lease or this Sublease shall be as set forth with
respect to such matter in the Master Lease.

     12.  Notices. All notices and other communications in connection with this
Sublease shall be made in accordance with the terms of the Master Lease.
Sublandlord's address for notice purposes shall be "Tenant's Address" under the
Master Lease. Subtenant's address for notice purposes shall be as follows:

                         iPayment, Inc.
                         30 Burton Hills, Suite 520
                         Nashville, TN 37215
                         Attn: Legal Department
                         Telephone: (615) 665-1858
                         Fax: (615) 665-8434

Either party may change its notice address by written notice to the other party
in accordance with the terms and provisions of this Section 12. Each party
agrees to provide the other party with a copy of every notice or written
communication that it may give to Master Landlord or that it may receive from
Master Landlord (to the extent that Master Landlord does not provide a copy
thereof to such other party).

     13.  No Extension Right. Subtenant shall have no right to extend the Term
of this Sublease and the terms and provisions of Section 20 of the Master Lease
are expressly excluded from this Sublease.

     14.  Tenant Improvements. Sublandlord agrees, at its sole cost and expense,
to erect, prior to the Sublease Commencement Date, a floor to ceiling height
demising wall that separates the Subpremises from the remainder of the
Additional Premises. In the event that the Sublandlord fails to complete the
demising wall within thirty (30) days after the Sublease Commencement Date,
then, Subtenant shall, after written notice to Sublandlord, have the right to
complete the same and deduct by offset to the Base Rent payable to Sublandlord
the actual costs and expenses incurred by Subtenant to complete the same,
including without limitation, costs for permits, plans and Master Landlord
charges. Sublandlord will have no additional obligations with respect to
alteration of the Subpremises, and the terms and provisions of Section 26 of the
Master Lease are expressly excluded from this Sublease.

     15.  Brokerage Commission. Each party represents and warrants to the other
that it has not dealt with any broker or finder in connection with the
consummation of this Sublease other than Travers Realty Oncor International,
which has represented Sublandlord, and CB Richard Ellis, Inc., which as
represented Subtenant. Each party agrees to indemnify, defend

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and hold the other party harmless from and against any and all claims for
brokerage commissions or finders' fees arising out of its actions or statements
in connection with this Sublease, other than the brokerage commissions payable
to the brokers described in this Section 15. The brokerage commissions payable
in connection with this Sublease shall be paid by Sublandlord pursuant to a
separate agreement between Sublandlord and its broker.

        16. Severability. If any term or provision of this Sublease or the
application thereof to any person or circumstance shall, to any extent, be
invalid and unenforceable, the remainder of this Sublease or the application of
such term or provision to persons or circumstances other than those as to which
it is held invalid or unenforceable, shall not be affected thereby and each
term or provision of this Sublease shall be valid and be enforced to the
fullest extent permitted by law.

        17. Excluded Sections of the Master Lease. In addition to the terms and
provisions of the Master Lease that are expressly excluded from this Sublease,
the following Sections of the Master Lease are inapplicable and are hereby
excluded from this Sublease: Sections 19.15, 21, 25, 29, and Sections 1(b),
1(e), 1(f), 1(g), and 1(i) of the First Amendment.

        18. Entire Agreement Waiver. This Sublease contains the entire
agreement between the parties hereto and shall be binding upon and inure to the
benefit of their respective heirs, representatives, successors and permitted
assigns. Any agreement hereinafter made shall be ineffective to change, modify,
waive, release, discharge, terminate or effect an abandonment hereof, in whole
or in part, unless such agreement is in writing and signed by the parties
hereto.

        19. Captions and Definitions. Captions to the Sections in this Sublease
are included for convenience only and are not intended and shall not be deemed
to modify or explain any of the terms of this Sublease.

        20. Further Assurances. The parties hereto agree that each of them, upon
the request of the other party, shall execute and deliver, in recordable form if
necessary, such further documents, instruments or agreements and shall take such
further action that may be necessary or appropriate to effectuate the purposes
of this Sublease.

        21. Governing Law. This Sublease shall be governed by and in all
respects construed in accordance with the laws of the State of California.

        22. Counterparts. This Sublease may be executed in counterparts, each
of which shall be deemed an original, and all of which shall collectively
constitute one fully-executed agreement.

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          23.  Consent of Landlord. This Sublease shall be conditioned upon
receipt of the Master Landlord's consent to this Sublease.

IN WITNESS WHEREOF, the parties have entered into this Sublease as of the date
first set forth above.

                                        101 COMMUNICATIONS, LLC
                                        a Delaware limited liability company

                                        By: /s/ STUART K. COPPENS
                                            ------------------------------------

                                        Name: Stuart K. Coppens
                                              ----------------------------------

                                        Its: CFO
                                             -----------------------------------

                                        iPAYMENT, INC.
                                        a Tennessee corporation

                                        By: /s/ ROBERT S. TORINO
                                            ------------------------------------

                                        Name: Robert S. Torino
                                              ----------------------------------

                                        Its: EVP
                                             -----------------------------------

                     MASTER LANDLORD'S CONSENT TO SUBLEASE

The undersigned, Catellus Finance 1, L.L.C., a Delaware limited liability
company ("Master Landlord"), hereby consents to the forgoing Sublease described
hereinabove on the terms and conditions contained in the Sublease. This consent
shall apply only to the Sublease, and shall not be deemed to be a consent to any
other sublease or assignment, nor shall this consent constitute a release of
Sublandlord of any of the obligations of Sublandlord, as Tenant under the Master
Lease.

                                        Catellus Finance 1, L.L.C., a Delaware
                                        limited liability company

                                        By:
                                            ------------------------------------

                                        Name:
                                              ----------------------------------

                                        Its:
                                             -----------------------------------

                                       7<PAGE>
                                                                   Exhibit 10.31

                               CATELLUS ORIGINAL

                        CONSENT OF LANDLORD TO SUBLEASE

     This Consent of Landlord to Sublease ("Consent") is made and entered into
as of the 4th day of October, 2002, by Catellus Finance 1, L.L.C., a Delaware
limited liability company ("Landlord"), 101 Communications, LLC, a Delaware
limited liability company ("Tenant"), and iPayment, Inc., a Tennessee
corporation ("Subtenant").

                                R E C I T A L S:

     A.  Landlord and Tenant have entered into that certain Office Lease -
Multi-Tenant Gross Rent dated as of July 21, 1999 (the "Original Lease")
pursuant to which Landlord leased to Tenant certain premises consisting of
approximately 21,463 rentable square feet, commonly known as Suite 101 (the
"Original Premises"), which Premises comprise a portion of that certain office
building located at 9121 Oakdale Avenue, Chatsworth, California, as more
particularly described in the Original Lease, which Original Lease has been
amended by (i) that certain First Amendment to Office Lease dated as of June 18,
2000, by and between Landlord and Tenant, pursuant to which an additional 10,929
rental square feet located on the second floor of the Building (the "Additional
Premises") was added to the leased "Premises", and (ii) that certain Second
Amendment to Office Lease dated as of February 26, 2001 by and between Landlord
and Tenant (the Original Lease, as so amended, is referred to herein as the
"Master Lease" and the Original Premises and the Additional Premises are
collectively referred to herein as the "Premises").

     B.  The Master Lease contains provisions which require, among other things,
that Tenant obtain Landlord's consent to any subletting of the Premises. Tenant
has requested Landlord's consent to sublet all or a portion of the Premises,
more particularly described on Exhibit "A" attached hereto (the "Subleased
Premises") to Subtenant, pursuant to a Sublease dated September 18, 2002, by and
between tenant and Subtenant (the "Sublease"), a true, correct and complete copy
of which is attached hereto as Exhibit "B".

     C.  Tenant and Subtenant desire to obtain Landlord's consent to the
subletting of the Subleased Premises, and Landlord is willing to give such
consent on the following terms and conditions.

                               A G R E E M E N T:

     NOW, THEREFORE, in consideration of the covenants and conditions set forth
herein and for other good and valuable consideration, the receipt and
sufficiency of which the parties hereby acknowledge, the parties hereto agree as
follows:

     1.  Landlord's Consent. In consideration of the agreements,
acknowledgements and representations of Tenant and Subtenant set forth in this
Consent, Landlord hereby consents to Tenant's sublease of the Subleased Premises
to Subtenant subject to the terms and conditions set forth in this Consent.
Landlord's consent is not intended, and shall not be construed (a) to modify or
otherwise affect any provision of the Master Lease or to release Tenant from any
of its
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obligations and duties under the Master Lease; or (b) as a waiver of any of
Landlord's rights under the Master Lease; or (c) as binding or obligating
Landlord in any manner whatsoever with respect to any covenants,
representations, warranties, undertakings or agreements in the Sublease or (d)
as a waiver of any continuing obligation of Tenant and Subtenant to obtain
Landlord's consent to any other sublease or transfer.

     2.  No Release. Notwithstanding the Sublease or Landlord's consent thereto,
Tenant shall remain fully liable for the payment of rents and all other monetary
obligations and for the performance of all other obligations of the "Tenant"
under the Master Lease. Tenant shall also be fully liable to Landlord for the
acts and omissions of Subtenant as if such acts and omissions were the acts and
omissions of Tenant. Tenant shall continue to be liable as a principal and not
as a guarantor or surety to the same extent as though no sublease had been made.

     3.  Covenants, Representations and Warranties

          (a)  Tenant. Tenant represents and warrants that it has not failed to
     disclose to Landlord any information which, if known by Landlord, might
     provide grounds for Landlord to reasonably withhold its consent.

          (b)  Subtenant. Subtenant covenants, represents and warrants to
     Landlord:

               (i)  that its address is:
                    iPayment, Inc.
                    30 Burton Hills, Suite 520
                    Nashville, TN 37215
                    Attn: Legal Department

               (ii)  that Landlord has not made any express or implied oral or
          written representations, warranties or promises, whatsoever, including
          without limitation, that: (A) future subleases will be approved, (B)
          that the Subleased Premises may be used for Subtenant's intended use,
          or (C) it will enter into any modification to the Master Lease;

               (iii)  that Subtenant has been provided with a copy of the Master
          Lease, together with all amendments thereto, and  Subtenant has read
          the Master Lease and all amendments thereto, and fully understands and
          agrees to be subject to the obligations thereunder; and

               (iv)  that Subtenant is not claiming any interest in any right
          belonging solely to Tenant pursuant to the Master Lease.

          c.  Tenant and Subtenant. Tenant and Subtenant each covenants,
     represents and warrants to Landlord:

               (i)  that the Sublease between Tenant and Subtenant is and shall
          be expressly subject and subordinate to the provisions of the Master
          Lease; and shall be subordinate to all mortgages and other security
          interests which are secured, in whole or in part, by the Premises;

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          (ii)  that in the event of termination of the Master Lease for any
     reason whatsoever, including, without limitation, a voluntary surrender by
     Tenant, or any default by Tenant, or in the event of any re-entry or
     repossession of the Premises by Landlord, Landlord may, at its option,
     either (a) terminate the Sublease and Subtenant's occupancy of the
     Premises, or (b) take over all of the right, title and interest of Tenant,
     as sublandlord, under the Sublease, in which case the Subtenant will attorn
     to Landlord, but that nevertheless Landlord will not (1) be liable for any
     previous act or omission of Tenant under the Sublease, (2) be subject to
     any defense or offset previously accrued in favor of the Subtenant against
     Tenant, or (3) be bound by any previous prepayment by Subtenant of more
     than one month's rent; or (4) be bound by any representations or warranty,
     made by Tenant under the Sublease; and

          (iii)  that Landlord may enforce all of the provisions of the
     Sublease, including collection of rent, directly from Subtenant.

     4. Subsequent Assignments or Subleases. This Consent shall not constitute
a consent to any subsequent subletting or assignment and shall not relieve
Subtenant or any person claiming under or through Subtenant of the obligation
to obtain the written consent of Landlord, pursuant to and in accordance with
the terms of the Master Lease, to any future assignment or sublease.
Notwithstanding the foregoing, Landlord may consent to subsequent sublettings
and assignments of the Premises without notifying and without obtaining the
consent of Tenant or anyone else liable under the Master Lease and such action
shall not relieve such persons from liability.

     5. Waiver. Except as explicitly set forth herein, nothing contained herein
shall be deemed or construed to modify, waive, impair or affect any of the
covenants, agreements, terms, provisions or conditions contained in the Master
Lease. In addition, the acceptance of rents or any other amount by Landlord
from Subtenant or anyone else liable under the Master Lease shall not be deemed
a waiver by Landlord of any provisions of the Master Lease.

     6. Binding Effect. This Consent shall not be effective and the Sublease
shall not be valid or binding unless and until (a) a fully executed original
counterpart of the Sublease and this Consent are delivered to Landlord and (b)
Tenant delivers the sum of $500.00 in reimbursement of Landlord's fees and
costs in connection with the Sublease and this Consent.

     7. Entire Agreement. This Consent embodies the entire understanding
between Landlord, Tenant and Subtenant with respect to the subletting of the
Subleased Premises by Tenant to Subtenant and can be changed only by an
instrument in writing signed by the party against whom enforcement is sought.

     8. Counterparts. This Consent may be executed in counterparts, each of
which is hereby declared to be an original and all of which together, shall
constitute one in the same Consent.

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     9. Capitalized Terms. All initial capitalized terms not otherwise defined
in this Consent shall have the meanings set forth in the Master Lease. In the
event of any conflict between the Sublease and this Consent, the provisions of
this Consent shall control.

     10. Corporate and Partnership Authority. If Tenant and/or Subtenant is a
corporation or other entity, or is comprised of either or both of them, each
individual executing this Consent on behalf of Tenant and Subtenant for the
corporation or other entity represents that he or she is duly authorized to
execute and deliver this Consent on behalf of the corporation or said other
entity and that this Consent is binding upon the corporation or said other
entity in accordance with its terms.

     11. Attorneys' Fees. The provisions of the Master Lease respecting
attorneys' fees shall apply to this Consent or, if the Master Lease does not
contain an attorneys' fees clause, then if legal action shall be commenced to
enforce or declare the effect of any provision of this Consent or of the Master
Lease, the court as part of its judgment shall award reasonable attorneys' fees
and costs the prevailing party.

     12. Brokerage. Tenant and Subtenant each agree to indemnify, defend and
hold Landlord's Parties harmless from and against any and all damage, loss,
cost or expense, including, without limitation, all attorneys' fees and
disbursements, incurred by reason of any claim of or liability to any broker or
other person for commissions or other compensation or charges with respect to
the negotiation, execution and delivery of the Sublease. The obligations of
Tenant and Subtenant under this Paragraph 12 shall survive the expiration or
earlier termination of the Lease.

     13. No Recording. Neither this Consent nor the Sublease may be recorded,
without Landlord's prior written consent. Any such recording without Landlord's
prior written consent shall constitute a default under the Lease and shall be
null and void and shall not confer any notice upon any person and may be
ignored by any person searching the records in which such recording appears.

     14. Joint and Several. In the event either Tenant to Subtenant, or both,
consist of two or more parties, all of the representations, covenants and
agreements herein shall be the joint and several representations, covenants and
agreements of such parties.

     15. Ratification. Tenant and Subtenant each hereby accepts and agrees to
the foregoing conditions of this Consent of Landlord to Sublease and ratifies
and reaffirms the Lease, all the terms and provisions of which shall remain in
full force and effect. Tenant and Subtenant each hereby represent and warrant
to Landlord and agree with Landlord that it has no claims against Landlord, nor
does it have any defenses or offsets to the enforcement of Landlord's rights
under the Lease.

                                       4
<PAGE>
     16. Governing Law. This Consent shall be governed by and construed in
accordance with the laws of the State of California.

     IN WITNESS WHEREOF, Landlord, Tenant and Subtenant have entered into this
Consent as of the date and year first set forth above.

           TENANT                       101 COMMUNICATIONS, LLC, a Delaware
                                        limited liability company

                                        By: /s/ STUART K. COPPENS
                                           -----------------------------------

                                           Name: Stuart K. Coppens
                                                 -----------------------------

                                          Title: CFO
                                                 -----------------------------

                                        By: /s/ JEFF KLIEN
                                           -----------------------------------

                                           Name: Jeff Klien
                                                 -----------------------------

                                          Title: CEO
                                                 -----------------------------

        SUBTENANT                       IPAYMENTS, INC., a Tennessee
                                        corporation

                                        By: /s/ ROBERT S. TERINO
                                           -----------------------------------

                                           Name: Robert S. Terino
                                                 -----------------------------

                                          Title: EVP
                                                 -----------------------------

                                        By: /s/ JOSEPH JOELING
                                           -----------------------------------

                                           Name: Joseph Joeling
                                                 -----------------------------

                                          Title: COO
                                                 -----------------------------

         LANDLORD                       CATELLUS FINANCE 1, L.L.C., a Delaware
                                        limited liability company

                                        By: /s/ KEITH E. ANDERSON
                                           -----------------------------------

                                           Name: Keith E. Anderson
                                                 -----------------------------

                                          Title: Vice President
                                                 -----------------------------

                                       5

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