Document:

"CONFIDENTIAL TREATMENT"

                           MEMORANDUM OF UNDERSTANDING
                             Dated: January 13, 1997

GENERAL:
This memorandum of understanding defines a business relationship in which Unisys
Payment Systems Division (PSD) and In Store Media Systems Inc. (ISMSI) will each
participate in the development of software/middleware, hardware, manufacturing,
installation and operation and support of Coupon Exchange Center (CEC) systems
worldwide. This proposal, if acceptable, will be replaced by a formal, written
business agreement.

This proposal is based upon what ISMSI believes to be reasonable assumptions and
once the CEC's are in place. gives PSD an opportunity to realize an ongoing and
potentially large revenue stream for PSD's efforts.

ISMSI and PSD, for participation in the relationship, will each receive revenues
as described in this document. ISMSI, for its participation, will receive all
revenues whatsoever generated through this business venture less the fees and
royalties due Unisys as described in Exhibit A.

The respective parties bring the following strengths to the business
relationship:
<TABLE>
<CAPTION>

          UNISYS                                     ISMSI
<S>                                                  <C>
Kiosk middleware development expertise               Patent protection on CEC system
Kiosk Hardware development expertise                 Marketing staff to effectively market the CEC's
Kiosk Manufacturing expertise                        Marketing knowledge and expertise in couponing
Hardware regulatory compliance expertise                 and other related fields
Networking expertise                                 Marketing staff to properly promote. market and
Database Design and Implementation expertise             sell coupons and related advertising media
Global support infrastructure                            media through the CEC's.
Unisys name recognition                              Day to day general servicing of the CEC's
Windows NT Expertise                                 Point of sale system interface expertise
Transaction Processing expertise                     Coupon reader technology
                                                     Coupon shredder technology
                                                     CEC design
                                                     Manufacturing capacity
</TABLE>

MARKETING RIGHTS:
Product(s) designed by Unisys solely for ISMSI specifications would only be used
by ISMSI unless agreed by ISMSI.

DEVELOPMENT RIGHTS:
PSD is the sole provider of the middleware product to ISMSI unless agreed
otherwise by PSD.

INITIAL MIDDLEWARE PRODUCT:
Phase 1 of this business relationship will be the development of an initial
working product, Beta Test, and installation of the initial 25 CEC's to verify
proof of concept. Subsequent phases are to be defined.

<PAGE>

"CONFIDENTIAL TREATMENT"

Unisys agrees to provide, at cost, resources and expertise to complete its
portion of the Phase 1 deliverable(s) at defined in Exhibit B. A rough estimate
of the costs for the initial working product and 2-4 Beta Test sites in the US
are estimated at [*...*], with any over-run capped at 10%. This preliminary
estimate will be finalized at the sign-off of the requirements definition, which
is expected to be received by Unisys in mid January. It is further agreed that
over-runs above 10% may be negotiated depending on circumstance.

ISMSI agrees to provide resources and expertise to complete its portion of the
Phase 1 deliverable(s) as defined in Exhibit B. In addition. ISMSI will provide
monthly the funds to cover PSD cost for the Phase 1 deliverables as defined in
Exhibit B.

MIDDLEWARE SOFTWARE SUPPORT:

PSD agrees to provide the local field geography teams hot line, bug fixes,
patches, and assistance required to support the Middleware product developed by
PSD. In addition. PSD will provide minor middleware enhancements to keep the
product current. PSD will fund the aforementioned support and enhancements via
royalty revenues paid to PSD by ISMSI. This effort will be capped at 12% of such
revenues.

FUTURE MIDDLEWARE PRODUCT:

New standard middleware products, non-standard middleware products, or custom
middleware products will be developed and funded based on a mutually agreed
business case.

INITIAL HARDWARE PRODUCT:

PSD will provide ISMSI a proposal/hardware specification regarding the
utilization of Unisys hardware technology within the CEC's/Kiosks by February 1,
1997, for consideration of both parties to be integrated into the solution.

FIELD MAINTENANCE SUPPORT:

Unisys will provide ISMSI a proposal regarding field hardware maintenance of the
CEC/Kiosk at the request of ISMSI.

DEFAULT:
If either party should be in default with respect to the business plans and/or
deliverables, and the other party elects to dissolve this business relationship.
the other party will so notify, in writing, the party in default. The defaulting
party shall have 60 days to cure such default or provide a mutually acceptable
plan to cure.

TERMINATION FOR DEFAULT:

In the event the default(s) is not cured, or a mutually acceptable plan to cure
is not received within the specified time, then the non-defaulting party shall
have the right to terminate this agreement. [*...*]

<PAGE>

"CONFIDENTIAL TREATMENT"

TERM OF AGREEMENT:
The initial term of this agreement is for a period of 5 years. This agreement
will automatically be extended for an additional 12 months at the end of the
initial term, and annually thereafter unless terminated in writing by either
party 90 days prior to expiration date.

DEFINITIONS:
In$taCa$h Coupon: Any coupon distributed throughout the system that gives the
shopper an "on the spot" rebate.

Free Standing Insert Coupon: Any non-In$taCa$h Coupon.

Electronic Coupon: Any "paperless" coupon distributed throughout the system.

Redeemed Coupon: Any In$taCa$h Coupon, Free Standing Insert Coupon or Electronic
Coupon read, shredded, or processed by the system and billed to the
Manufacturer.

Customer Service Station: A workstation to be utilized by the consumer, having a
minimum configuration of a PC, display, card reader, scanner/shredder, printer,
and necessary software/middleware.

CEC: A Kiosk containing 1-3 Customer Service Stations, any necessary peripherals
for the integrated solution, including the point of sale coupon shredder and
check writers, Kiosk server, networking and software/middleware.

POD: A geographic marketing area containing a host computer linking 1-25 Kiosks.

EXPRESSION OF INTENT:

This document is only an expression of the general terms which might form the
basis for a definitive agreement to be entered into between the parties. This
document should, in no way, be construed as a binding agreement between the
parties. If a definitive agreement incorporating the terms of this document is
not completed. for whatever reason, neither party shall have any liability to
the other. The exception to this being purchase orders provided between the
companies to cover the development costs while the final agreement is being
finalized.

The target date for a signed contract is February 15, 1997.

AGREED:

/s/ Michael R. Thomas                            /s/ Everett Schulze, Jr.
-------------------------                        ---------------------------
Michael R. Thomas       1/15/97                  Everett Schulze, Jr.
V.P. and General Manager                         President/CEO
Payment Systems Division                         In Store Media Systems, Inc.
Unisys Corporation

<PAGE>
"CONFIDENTIAL TREATMENT"

                                   EXHIBIT A
                                   ---------
                           Royalty and Fee Structure

Number of Kiosks                    1-250      251-720    751-2000    2001 & Up
----------------                    -----      -------    --------    ---------
Annual License Fee per Kiosk
With Kiosks Having:

One Customer Service Station

Two Customer Service Stations

Three Customer Service Stations                   [*...*]

Royalty: Per Redeemed In$taCa$h
     Coupon

Royalty: per Redeemed Free Standing
     Insert Coupon

<PAGE>

"CONFIDENTIAL TREATMENT"

     Based on Unisys's understanding of the proposed CEC system, the following
is the proposed preliminary division of responsibility. This is dependent on an
agreed requirements definition and a final division of responsibility.
<TABLE>

                              PHASE 1 DELIVERABLES
<CAPTION>

DEVELOPMENT
------------------------------------------------------------------------------------------------------------------------
AREA                          UNISYS (INCLUDED IN PRELIMINARY QUOTE)                                               ISMSI
------------------------------------------------------------------------------------------------------------------------
<S>               <C>                                                                <C>
POD               All database control excluding reports and user interface          Database reports and user interface

Kiosk Host        All software excluding Point of Sale monitor                       Point of Sale monitor
                                                                                     All hardware development
                                                                                     Regulatory Compliance

Checkout line     All software in Kiosk Host controlling the checkout line           All hardware development
                  Maintenance routines                                               Regulatory Compliance

Customer          Kiosk hardware drivers (Active X)                                  Customer Station display program
Station           Maintenance program                                                All hardware development
                                                                                     Regulatory Compliance

Process           All software and specifications under source safe revision         ISMSI software delivered to Unisys
</TABLE>

<TABLE>

BETA TEST - (2-4 BETA TEST SITES EACH WITH A CEC KIOSK HOST AND 3 OR MORE CUSTOMER
STATIONS)
<CAPTION>

     UNISYS (2 INCLUDED IN PRELIMINARY QUOTE)                         ISMSI
--------------------------------------------------------------------------------------------
<S>                                                    <C>
Install Software at site                               Site Preparation

Install POD software                                   Install ISMSI software
                                                       Install hardware at site

Support software on site.                              Support software and hardware on site
                                                       Train store personnel
                                                       Early customer documentation
</TABLE>

<PAGE>
"CONFIDENTIAL TREATMENT"

<TABLE>

ROLLOUT OF 25 LOCATIONS
-------------------------------------------------------------------------------------------------------------------------
     UNISYS (NOT INCLUDED IN PRELIMINARY QUOTE)                       ISMSI
-------------------------------------------------------------------------------------------------------------------------
<S>                                                              <C>
Remote support of 23 more sites - travel if required             Site Preparation of 23 more sites

Customer/Support Field Manual Documentation                      Install 23 more sites providing remove HW & SW Support -
                                                                 Travel if required
                                                                 Customer/Support training
                                                                 User documentation

</TABLE>
<TABLE>

ON-GOING SUPPORT
-------------------------------------------------------------------------------------------------------------------------
     UNISYS (NOT INCLUDED IN PRELIMINARY QUOTE)                       ISMSI
-------------------------------------------------------------------------------------------------------------------------
<S>                                                              <C>
Second Level Phone support                                       Installations - hardware and software
Software Support for all software developed by Unisys            Software Support for all software developed by ISMSI
                                                                 Software distribution update installations
                                                                 On-site routine maintenance
                                                                 First Level phone maintenance
"Minor" enhancements within support allocation                   On-site repair/swap out and spares inventory
"Major" enhancements quoted as requested                         POD staff training
Depot Maintenance of ISMSI hardware
Fly and Fix                                                      Hardware support
                                                                 Depot hardware repair center training
</TABLE>

<PAGE>
"CONFIDENTIAL TREATMENT"

The following is a preliminary set of Milestone interdependencies required to
support Unisys development activities in concert with the aboe defined
responsibilities:

                               PHASE 1 MILESTONES
<TABLE>
<CAPTION>
WHO       WHAT                                                                                                WHEN
----------------------------------------------------------------------------------------------------------------------------
<S>       <C>                                                                                                 <C>
ISMSI     ISMSI provides final phase 1 requirements definition (functional specification revision 2?)         [*...*]
UNISYS    Unisys to evaluate final requirements and verify schedules and finalize quotation                   [*...*]
JOINT     Rex Fowler to visit Plymouth for creation of POD SQL database schema and review of                  [*...*]
          functional specification and architecture.
UNISYS    Unisys provides specifications for key software interfaces                                          [*...*]
ISMSI     [*...*]                                                                                             [*...*]

UNISYS    [*...*]                                                                                             [*...*]
UNISYS    [*...*]                                                                                             [*...*]
UNISYS    [*...*]                                                                                             [*...*]
JOINT     Phase 1 Development complete, integration with ISMSI components                                     [*...*]
JOINT     Beta Test                                                                                           [*...*]

</TABLE>

<PAGE>
"CONFIDENTIAL TREATMENT"

Based on Unisys's understanding of the proposed CEC system, the following is the
proposed preliminary division of responsibility. this is dependent on an agreed
hardware specification and a final decision of responsibility expected to be
approved by 3/31/97.

                              PHASE 1 DELIVERABLES
<TABLE>
<CAPTION>

DEVELOPMENT
     AREA                UNISYS (INCLUDED IN PRELIMINARY QUOTE)       ISMSI                                [*...*]
------------------------------------------------------------------------------------------------------------------------------------
<S>                      <C>                                     <C>                                <C>
Customer Station         Customer Station Hardware Design.       Shredder/scanner hardware
                         Manufacture and Certifications          design and manufacture

CEC                                                                                                 Packaging design and manufacture
                                                                                                    Integration and final test of
                                                                                                    the Customer Stations and
                                                                                                    Scanner/shredder.

CS / CW                                                          Hardware design                    Packaging design, integration,
                                                                                                    and manufacture.
</TABLE>
<TABLE>
<CAPTION>

BETA TEST - (2-4 BETA TEST SITES EACH WITH A CEC KIOSK HOST AND 3 OR MORE CUSTOMER STATIONS)
------------------------------------------------------------------------------------------------------------------------------------
 UNISYS (4 INCLUDED IN PRELIMINARY QUOTE)                ISMSI                                            [*...*]
<S>                                               <C>                                          <C>
                                                  Site preparation
Support install Customer Stations at site         Install hardware at site and wire store      Support install of CEC and CS/CW's
                                                                                               at site

Support Customer Station hardware on site         Support software and hardware on site        Support CEC and CS/CW hardware
                                                  Train store personnel                        on site
                                                  Early customer documentation

</TABLE>

<TABLE>
ROLLOUT OF 25 LOCATIONS
------------------------------------------------------------------------------------------------------------------------------------
 UNISYS (NOT INCLUDED IN PRELIMINARY QUOTE)              ISMSI                                            [*...*]
------------------------------------------------------------------------------------------------------------------------------------
<S>                                               <C>                                          <C>
Manufacture and deliver to [*...*] 25 3X                                                       Manufacture and deliver to ISMSI 25
Customer stations for integration. Deliver                                                     complete CEC and CS/CW
spare parts.                                                                                   configurations.

Remote support of 23 more sites - travel if       Site preparation of 23 more sites            Remote support of 23 more sites -
required                                                                                       travel if required

Customer/Support Field Manual Documentation       Install 23 more sites providing remote       Customer/Support Field Manual
                                                  HW & SW Support - Travel if required         Documentation
                                                  Customer/Support training
                                                  User documentation

</TABLE>

<PAGE>

"CONFIDENTIAL TREATMENT"

The following is a preliminary set of Milestone interdependencies required to
support Unisys development activities in concert with the above defined
responsibilities.
<TABLE>

                               PHASE 1 MILESTONES
<CAPTION>

WHO                                WHAT                                              WHEN
-----------------------------------------------------------------------------------------------
<S>            <C>                                                              <C>
JOINT          DESIGN REVIEW AT [*...*]                                         [*...*]

ISMSI          COMPONENT HARDWARE FOR SOFTWARE DEVELOPMENT                      [*...*]

JOINT          DESIGN REVIEW AT PLYMOUTH                                        [*...*]

ISMSI          APPROVE HARDWARE MOU                                             [*...*]

[*...*]        [*...*] STARTS TOP + BOTTOM ROUGH DRAWINGS                       [*...*]

UNISYS         LOWER SECTION FIRST FRAMES MADE                                  [*...*]

UNISYS         PROTOTYPE FRAME TO [*...*]                                       [*...*]

ISMSI          HARDWARE SPECIFICATION APPROVED                                  [*...*]

[*...*]        START TOOLING, AND UPPER SECTION DETAILED DRAWINGS               [*...*]

UNISYS         FIRM DESIGN FOR [*...*]                                          [*...*]

UNISYS         FRONTAL FIT COMPONENTS DESIGNED                                  [*...*]

[*...*]        UPPER SECTION SKELETON                                           [*...*]

JOINT          BEGIN INTEGRATION AT [*...*]                                     [*...*]

[*...*]        ENCLOSED UNITS (2) AT PLYMOUTH FOR CERTIFICATION                 [*...*]

UNISYS         CERTIFICATION TESTING COMPLETE                                   [*...*]

JOINT          FIRST 7 UNITS BUILT                                              [*...*]

JOINT          START BETA TEST                                                  [*...*]
</TABLE>

<PAGE>
"CONFIDENTIAL TREATMENT"

<TABLE>

ON-GOING SUPPORT
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------------
 UNISYS (NOT INCLUDED IN PRELIMINARY QUOTE)              ISMSI                                       [*...*]
------------------------------------------------------------------------------------------------------------------------------------
<S>                                               <C>                                          <C>
Second Level Phone Support                        Installations - hardware and software        Second Level Phone Support

                                                  On-site repair/swap out and spares inventory

Enhancements quoted as requested                  POD staff training                           Enhancements quoted as requested

Depot Maintenance of ISMSI hardware                                                            Depot Maintenance of ISMSI hardware

Fly and Fix                                       Hardware support                             Fly and Fix
                                                  Depot hardwae repair center training
</TABLE>"CONFIDENTIAL TREATMENT"

                           MEMORANDUM OF UNDERSTANDING
                                  CEC HARDWARE
                            Dated: February 25, 1997

GENERAL
This memorandum of understanding covers Unisys, Payment Systems Division (PSD)
participation in the development and manufacture of an initial proof of concept
volume of certain Customer Service Station hardware components of the Coupon
Exchange Center systems (CEC). This memorandum is an addition to the initial
agreement dated January 13, 1996, and does not supersede any of the terms stated
therein.

SCOPE OF WORK
 1.  Unisys will develop specialized / customized rack-mounted Customer Service
     Stations for ISMSI.

 2.  Unisys will assemble, test and deliver fully integrated rack mounted
     Customer Service Stations and Store Host Servers to [*...*]

 3.  [*...*] will assemble and test Unisys components and [*...*]
     components into a finished CEC with TVs and marquee and deliver to customer

 4.  ISMSI wilt be responsible for scanner/shredder development and manufacture.
     checkout lane unit development and manufacture, CEO system installation and
     support.

ADVANTAGES OF UNISYS CUSTOMER STATION DESIGN AND MANUFACTURE

Unisys brings the following strengths to the relationship with respect to
hardware development:

          High Quality SEI Level 2 And ISO 9000 Engineering And Manufacturing
          Processes
          Electrical And Mechanical Engineering Expertise
          Design For Initial And Continuing Low Cost Manufacture
          Design For UL / CSA / FCC Certifications
          Change Control Processes For New Features, New Hardware And Fixes
          Product Information And Records Management
          Supply Line Management
          Supplier Quality Control
          Quality Control Processes
          Distribution And Logistics
          Parts Acquisition Cost Management- Volume Buys
          On-Going Hardware/Software Uplevels
          Field Engineering Support Structures - Spares/Safety/Fixes

MARKETING RIGHTS
Product(s) designed by Unisys solely for ISMSI specifications would only be used
by ISMSI unless agreed by ISMSI.

DEVELOPMENT RIGHTS
PSD is the sole provider of the agreed upon Customer Service Center components
to ISMSI unless agreed otherwise by PSD.

<PAGE>

"CONFIDENTIAL TREATMENT"

INITIAL HARDWARE PRODUCT

[*...*]

PRICING
PSD will provide ISMSI a CEC 3X Customer Service Station module and spare parts
at an agreed price, see estimate in Addendum 3. Price will be fixed for one year
with changes negotiated annually.

BPO, PURCHASE ORDERS
ISMSI will provide PSD with a Blanket Purchase Order (BPO) for 12 months of
production. At the start at each quarter ISMSI will issue firm Purchase Orders
for the next quarter's production (90 days in advance).

LEAD-TIME
Standard lead-time for product and parts will be 60 days after ISMSI approval
for shipment.

SHIPMENTS
All products will be shipped F.O.B. plant of manufacture, in accordance with the
delivery schedule specified on the corresponding Purchase Order. Freight and
distribution from Unisys to [*...*] and to final customer will be ISMSI's
responsibility.

WARRANTY
Unisys PSD will provide a 12 month warranty from date of shipment on products
and parts.

HARDWARE SUPPORT
Unisys PSD will provide 12 months hardware support (hardware design fixes) from
date of product shipment. Ongoing support will be provided at a rate to be
negotiated. Enhancements will be quoted separately.

DEFAULT
It either party should be in default with respect to the business plans and/or
deliverables and the other party elects to dissolve this business relationship
the other party will so notify in writing, the party in default. The defaulting
party shall have 80 days to cure such default or provide a mutually acceptable
plan to cure.

TERMINATION FOR DEFAULT
In the event the default(s) is not cured or a mutually acceptable plan to cure
is not received within the specified time, then the non-defaulting party shall
have the right to terminate this agreement. [*...*]

TERM OF THE AGREEMENT
The initial term of this agreement is for a period of 5 years. This agreement
will automatically be extended for an additional 12 months at the end of the
initial team and annually thereafter unless terminated in writing by either
party 90 days prior to the expiration date.

DEFINITIONS

                                       2
<PAGE>

"CONFIDENTIAL TREATMENT"

CUSTOMER SERVICE STATION: A workstation to be utilized by the consumer, having a
minimum configuration of a PC, display, cord reader, scanner/shredder, printer,
and necessary software/middleware.

CEC: A Kiosk containing 1-3 Customer Service Stations, any necessary peripherals
for the integrated solution. including the point of sale coupon shredder and
check writers, Kiosk server, networking and software/middleware.

EXPRESSION OF INTENT

This document as only an expression of the general terms which might form the
basis for a definitive agreement to be entered into between the parties. This
document should in no way be construed as a binding agreement between the
parties. It a definitive agreement incorporating the terms of this document is
not completed for whatever reason neither party shall have any liability to the
other. The exception to this being purchase orders provided between the
companies to cover the development costs while the final agreement is being
finalized.

The target date for a signed contract is March 31, 1997.

AGREED

/s/ Michael R. Thomas                       /s/ Everett Schulze, Jr.
-----------------------------               ------------------------------
Michael R. Thomas                           Everett Schulze, Jr.
V.P. and General Manager                    President/CEO
Payment Systems Division                    In Store Media Systems, Inc.
Unisys Corporation

                                       3
<PAGE>

"CONFIDENTIAL TREATMENT"

                                   ADDENDUM 1
                                  UNISYS TASKS

                                    [*...*]

                                       4
<PAGE>

"CONFIDENTIAL TREATMENT"

                                   ADDENDUM 2
                          STAFFING / BUDGET / SCHEDULE

     STAFFING AND BUDGET
 o       STAFF OF 9 FOR 9 MONTHS
 o             MECHANICAL ENGINEERS
 o             MECHANICAL DESIGNERS
 o             ELECTRICAL ENGINEERS
 o             ELECTRICAL TECHNICIANS
 o             PROJECT MANAGER
 o             PRODUCT INFORMATION AND RECORDS
 o       REGULATORY APPROVALS
 o       DEVELOPMENT BUDGET = [*...*]

     MATERIALS AND BUDGET
 o       BUILD 7 CEC 3X CUSTOMER SERVICE STATIONS
 o             -1 DENVER
 o             -1 [*...*]
 o             -2 PLYMOUTH
 o             -3 BETA UNITS....(1 FROM PLYMOUTH = 4)
 o             [*...*]

     SCHEDULE
 o   DESIGN REVIEW AT [*...*]                                    [*...*]
 o   COMPONENT HARDWARE FOR SOFTWARE DEVELOPMENT                 [*...*]
 o   DESIGN REVIEW AT PLYMOUTH                                   [*...*]
 o   PROTOTYPE FRAME TO [*...*]                                  [*...*]
 o   FIRM DESIGN FOR [*...*]                                     [*...*]
 o   BEGIN INTEGRATION AT [*...*]                                [*...*]
 o   START BETA TEST                                             [*...*]

                                       5

<PAGE>

"CONFIDENTIAL TREATMENT"

                                   ADDENDUM 3
                 CEC 3X Customer Service Station Cost Estimate

ASSUMPTIONS:

                                    [*...*]

<TABLE>
<CAPTION>

                                         ISMS COST    UNISYS QUOTE      DELTA        %
<S>                                     <C>            <C>            <C>            <C>
UNISYS CUSTOMER SERVICE STATION (3X)
ISMS BOM Material
PC and Peripherals
Security switches
P_______ devices
______ PWBA
Power Supplies
UPS
____ Screen Displays
CD Player
Multiport serial card
Barcode/Magnetic reader                                [*...*]
Coupon Printer
Scaner/Check Writer POS Card

Plus added Hardware require
Shredded Paper bin & sensors
Coupon Stock Reserve & sensors
Shredder waste chute
Printe Cable / Power Supply
AC __________ / harness
Framers & Mounting Hardware
Miscellaneous Controls and Harness

Plus Labor
Plus Overhead
Subtotal Unisys CSS (3X)

ADDITIONAL HARDWARE TO BE PROVIDED BY ISMSI AND [*...*]

ISMS Shredder / Reader (CSC)
Shredder (estimate)
Scanner

[*...*] Structure
[*...*] components
20" monitors
Marquee                                                [*...*]

ISMS CS/CW Checkout lane
Shredder (estimate)
Scanner
Display
6511 Card
Check printer
Frame and _______

CEC Total
</TABLE>

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