Document:

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                                                                   EXHIBIT 10.26

                               SURRENDER AGREEMENT

            AGREEMENT made as of this 23rd day of January, 2001 between
CFG/AGSCB 75 NINTH AVENUE, LLC., having an office c/o ATC Management, LLC, 88
Tenth Avenue, New York, New York 10011 ("Lessor") and DreamLife, Inc. (formerly
known as GHS, INC.) having an office at 75 Ninth Avenue, New York, New York
10011 ("Lessee").

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

            WHEREAS, Lessor's predecessor in interest, CFG/AGSCB CHELSEA NINTH
L.L.C, and Lessee executed that certain lease, dated as of May 21, 1999,
(hereinafter called the: "Lease"), covering a portion of the third (3rd) floor
as more particularly described in the Lease (the "Premises") in the building
known by the street address 75 Ninth Avenue, New York, New York (a/k/a Chelsea
Market) (hereinafter called the "Building"), for a term to expire on August 31,
2004;

            and WHEREAS, Lessor and Lessee desire Lessee surrender the Premises
to Lessor as of the Surrender Date (as hereinafter defined) or earlier if Lessor
exercises its option to accelerate the Surrender Date as hereinafter provided,
and Lessor is willing to accept such surrender upon all of the terms and
conditions hereinafter set forth.

            NOW, THEREFORE, in consideration of the mutual covenants herein
contained, and for other good and valuable consideration, the mutual receipt and
legal sufficiency of which is hereby acknowledged, Lessor and Lessee, for
themselves, their legal representatives, successors and assigns, hereby agree as
follows:

            1. Effective as of the surrender date which shall be six (6) months
from the date hereof ("Surrender Date"), Lessee shall vacate and surrender to
Lessor all of Lessee's right, title and interest in and to the Lease and the
Premises, to the intent and purpose that the estate of Lessee in and to the
Lease and the Premises shall be wholly extinguished as if the Surrender Date as
if the Surrender Date were the Expiration Date under the Lease, and Lessor shall
return the Security Deposit, if any, to Lessee as provided in the Lease.

            2. During said six (6) month period from the date hereof, Lessor
shall have option to accelerate the termination of the Lease upon two (2)
month's notice given to Lessee in accordance with Article 28 of the Lease (the
"Termination Notice"), and upon the giving of the Termination Notice, the Lease
shall terminate on the accelerated surrender date (the "Accelerated Surrender
Date") in the same manner as if the Accelerated Surrender Date was the Surrender
Date.

            3. In consideration of the granting to Lessor of the option to
terminate this Lease as of the Accelerated Surrender Date, Lessor shall pay to
Lessee on execution of this Agreement the sum of Seventy Five Thousand and
00/100 ($75,000.00) Dollars.

            4. On the Surrender Date or the Accelerated Surrender Date, as the
case may be, the Premises shall be delivered to Lessor vacant and free and clear
of all occupancies and tenancies in accordance with the terms of Lease. Lessee
may also remove all of Lessee's movable trade fixtures, movable furniture and
movable

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equipment from the Premises prior to the Surrender Date or the Accelerated
Surrender Date, as the case may be, and shall leave all property and fixtures
required to be left in the Premises pursuant to terms of Lease.

            5. If Lessor shall exercise its option to terminate the Lease as of
the Accelerated Surrender Date Lessor shall, on the next business day following
the Accelerated Surrender Date, return the Security Deposit, if any, as provided
in the Lease and shall pay to Lessee a termination payment in the sum of
$340,000.00 provided that no such amount shall be due unless Lessee has vacated
the Premises on or before the Accelerated Surrender Date and Lessor shall. If
Lessor shall not exercise such option, then there shall be no such payment on
the Surrender Date.

            6. This Agreement may not be changed orally, but only by an
agreement in writing signed by the party against whom enforcement of any waiver,
change, modification or discharge is sought. This Agreement shall not be binding
upon Lessor unless and until it has been executed by Lessor and delivered to
Lessee.

            7. The covenants, conditions, provisions and agreements contained in
this Agreement shall bind and inure to the benefit of the parties hereto and
their respective legal representatives, successors and assigns.

            8. Time is of the essence with respect to the surrender of the Lease
and Premises in accordance with this Agreement.

            IN WITNESS WHEREOF, the parties hereto have respectively executed
this Agreement as of the day and year first above written.

                                          CFG/AGSCB 75 NINTH AVENUE,
                                          LLC., LANDLORD
                                          By: ATC Management, LLC., As Agent

  /s/ Cindy Mulraney                      By: /s/ Irwin B. Cohen
---------------------------------            -----------------------------------
Witness for Lessor                           Name:  Irwin B. Cohen
                                             Title: Manager

                                          DREAMLIFE, INC. formerly known as
                                          GHS, INC.,

  /s/ [ILLEGIBLE]                         By: /s/ Philicia G. Levinson
---------------------------------            -----------------------------------
Witness for Lessee                           Name:  Philicia G. Levinson
                                             Title: Senior VP, Chief Financial
                                                    Officer<PAGE>

                                                                   EXHIBIT 10.27

                            GRID TIME PROMISSORY NOTE
                                  (PRIME RATE)

$50,000                                                           April 12, 2001

      For value received, the undersigned unconditionally (and if more than one,
jointly and severally) promises to pay to the order of Van Beuren Management,
Inc. ("VBM") at its principal office located at 330 South Street, Morristown, NJ
07962-1975 the principal amount of Fifty Thousand DOLLARS ($50,000.00) or, if
less, the aggregate unpaid principal amount of all loans made to the undersigned
by VBM and outstanding under this Note, on April 30, 2001.

      The undersigned promise(s) to pay interest on the unpaid balance of the
principal amount of each such loan from and including the date of each such loan
to but excluding the due date of such loan at a variable rate per annum equal to
that rate of interest from time to time announced by Chase Manhattan Bank at its
principal office as its prime commercial lending rate (the "Prime Rate") plus 0%
(the "Margin"). Interest shall be payable on the last day of each calendar month
(commencing on the first such date occurring after the date of the first such
loan) and on any payment of such principal. Any principal not paid when due
(whether at stated maturity, by acceleration or otherwise) shall bear interest
from and including such date to but excluding the date paid in full at a
variable rate per annum equal to 2% above the Prime Rate plus the Margin, such
interest to be payable ON DEMAND and on any payment of such principal. The
interest rate on this Note shall change in accordance with, and changes in such
interest rate shall be effective as of the effective date of, announcements by
the Bank of changes in the Prime Rate. Interest shall be calculated on the basis
of a year of 360 days for the actual number of days elapsed.

      All payments under this Note shall be made in lawful money of the United
States of America and in immediately available funds at VBM's principal office
specified above. If the loan evidenced by this Note becomes due and payable on a
Saturday, Sunday or a day that is not a banking day in New York City, the
maturity of such loan shall be extended to the next succeeding banking day, and
interest shall be payable for such extension on such loan at the rate of
interest specified in this Note. If the undersigned are more than one, all
obligations of each of the undersigned under this Note shall be joint and
several. This Note may be prepaid without penalty.

      The date and amount of each loan under this Note and each payment of
principal, loan(s) to which such principal is applied (which shall be at the
discretion of VBM) and the outstanding principal balance of loans, shall be
recorded by VBM on its books and prior to any transfer of this Note (or, at the
discretion of VBM at any other time) endorsed by VBM's schedule. Any such
endorsement shall be conclusive in the absence of manifest error.

      If any of the following events of default shall occur with respect to any
of the undersigned: (a) the undersigned shall fail to pay the principal of, or
interest on, this Note, or any other amount payable under this Note, as and when
due and payable; (b) any representation or warranty made or deemed made by the
undersigned in this Note or in any document granting security or support for (or
otherwise executed in connection with) this Note or by any third party
supporting or liable with respect to this Note (whether by guaranty,
subordination, grant of security or any other credit support, a "Third Party")
in any document evidencing the obligations of a Third Party (this Note and all
of the foregoing documents of the undersigned or a Third Party being the
"Facility Documents") or which is contained in any certificate, document,
opinion, financial or other statement furnished at any time under or in
connection with any Facility Document, shall prove to have been incorrect in any
material respect on or as of the date made or deemed made; (c) the undersigned
or any Third Party shall fail to perform or observe any term, covenant or
agreement contained in any Facility Document on its part to be performed or
observed; (d) the undersigned or any Third Party shall fail to pay when due any
indebtedness (including but not limited to indebtedness for borrowed money) or
if any such indebtedness shall become due and payable, or shall be capable of
becoming due and payable at the option of any holder thereof, by acceleration of
its maturity, or if there shall be any default by the undersigned or any Third
Party under any agreement relating to such indebtedness; (e) the

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undersigned or any Third Party: (i) shall generally not, or be unable to, or
shall admit in writing its inability to, pay its debts as such debts become due;
(ii) shall make an assignment for the benefit of creditors; (iii) shall file a
petition in bankruptcy or for any relief under any law of any jurisdiction
relating to reorganization, arrangement, readjustment of debt, dissolution or
liquidation; (iv) shall have any such petition filed against it and the same
shall remain undismissed for a period of 30 days or shall consent or acquiesce
thereto; or (v) shall have had a receiver, custodian or trustee appointed for
all or a substantial part of its property; (f) the undersigned or any Third
Party shall die, dissolve or for any reason cease to be in existence or shall
merge or consolidate, or if the undersigned or any Third Party is a partnership,
limited liability partnership or limited liability company, any general partner,
partner or member, respectively, shall die, dissolve or for any reason cease to
be in existence or cease to be a partner or member, as the case may be, or shall
merge or consolidate; (g) the undersigned or any Third Party is involved in a
proceeding which may result in a forfeiture of all or a substantial part of the
undersigned's or any Third Party's assets or a material judgment is entered
against the undersigned or any Third Party; (h) there is, in the opinion of the
Bank, a material adverse change in the business, prospects or financial
condition of the undersigned; (i) any Third Party Facility Document shall at any
time and for any reason cease to be in full force and effect or shall be
declared null and void, or its validity or enforceability shall be contested by
the relevant Third Party or such Third Party shall deny it has any further
liability or obligation under any Facility Document or shall fail to perform its
obligations under any Facility Document; or (j) any security agreement or other
agreement (whether by the undersigned or any Third Party) granting a security
interest, lien, mortgage or other encumbrance securing obligations under any
Facility Document shall at any time and for any reason cease to create a valid
and perfected first priority security interest, lien, mortgage or other
encumbrance in or on the property purported to be subject to such agreement or
shall cease to be in full force and effect or shall be declared null and void,
or the validity or enforceability of any such agreement shall be contested by
any party to such agreement, or such party shall deny it has any further
liability or obligation under such agreement or any such party shall fail to
perform any of its obligations under such agreement; THEN, in any such case, if
VBM shall elect by notice to the undersigned, the unpaid principal amount of
this Note, together with accrued interest, shall become forthwith due and
payable; provided that in the case of an event of default under (e) above, the
unpaid principal amount of this Note, together with accrued interest, shall
immediately become due and payable without any notice or other action by VBM.

      The undersigned waive(s) presentment, notice of dishonor, protest and any
other notice or formality with respect to this Note.

      The undersigned agree(s) to reimburse VBM on demand for all costs,
expenses and charges (including, without limitation, fees and charges of
external legal counsel for VBM and costs allocated by its internal legal
department) in connection with the interpretation, performance or enforcement of
this Note.

      The undersigned consent(s) to the nonexclusive jurisdiction and venue of
the state or federal courts located in the City of New York. Service of process
by VBM in connection with any dispute shall be binding on the undersigned if
sent to the undersigned by registered mail at the address(es) specified below.
The undersigned waive(s) any right the undersigned may have to jury trial.

      This Note shall be governed by, and interpreted and construed in
accordance with, the law of the State of New York; provided that the foregoing
is not intended to limit the maximum rate of interest which may be charged or
collected by VBM on this Note if, under the law applicable to it, VBM may charge
or collect such interest at a higher rate than is permissible under the law of
said State. In no case shall the interest on this Note exceed the maximum amount
which VBM may charge or collect under such law applicable to it.

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      Each reference in this Note to VBM shall include its successors,
endorsees, and assigns, in whose favor the provisions hereof shall also inure.
Each reference in this Note to the undersigned shall include the heirs,
executors, administrators, legal representatives, successors and assigns of the
undersigned, all of whom shall be bound by the provisions hereof.

ADDRESS FOR NOTICES TO THE
VBM:

Van Beuren Management, Inc.
330 South Street - P.O. Box 1975
Morristown, NJ  07962-1975
Attn:  Anthony J. Romano
Telecopier:  (973) 644-2581
Telephone:  (973) 290-2324

DREAMLIFE, INC.

By: /s/ Philicia Levinson
    --------------------------------
    Name:  Philicia Levinson
    Title: Chief Financial Officer

ADDRESS FOR NOTICES:
      425 WEST 15TH STREET
------------------------------------
      FLOOR 3R
------------------------------------
      NEW YORK, NY  10011
------------------------------------
Telecopier: (212) 433-1415
Telephone:  (212) 433-1413

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