Document:

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                                                                   EXHIBIT 10.14

                            JOINT MARKETING AGREEMENT

                                     between

                                College Club-com
                                       and
                                Overly Publishing

         This Agreement, effective June 25, 1999 (the "Effective Date") is
entered into by and between College Club.com ("COLLEGE CLUB"), a California
corporation, with offices at 5353 Mission Center Road, Suite 310, San Diego,
California 92108, California, and Overly Publishing ("Overly"), a _____________
corporation with offices at _____________________________.

                                    RECITALS

A.       COLLEGE CLUB has developed an Online Service (as defined below) through
         which college students can obtain phone and e-mail service, access chat
         and interest groups, access online games and music videos, and obtain a
         discount card to numerous vendors.

B.       Overly has developed and sells Student Planners (as defined below).

C.       COLLEGE CLUB and Overly desire to enter into a joint marketing
         arrangement pursuant to which Overly will market COLLEGE CLUB's Online
         Service in connection with the Student Planners as more particularly
         set forth in this Agreement.

D.       COLLEGE CLUB and Overly have entered into a letter of understanding
         dated May 12, 1999 (the "Letter of Understanding") which sets forth the
         general parameters of such joint marketing arrangement.

E.       This parties desire to enter into this Agreement to establish in detail
         the joint marketing responsibilities of the parties with respect to the
         marketing and promotion of the Online Service with the Student Planner.

F.       A separate transaction is being pursued simultaneously with the
         execution of this Agreement whereby COLLEGE CLUB is acquiring
         substantially all of the operating assets of CollegeBeat, Inc., an
         affiliate of Overly.

         NOW, THEREFORE, in consideration of the mutual covenants herein
contained, the parties agrees as follows:

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1.       DEFINITIONS

1.1      "ADVERTISING STRIP" has the meaning set forth in Section 4(b)
         ("Advertising Strip").

1.2      "CAMPUS DATA" shall mean information from college campuses served by
         Overly during the term of this Agreement, as more particularly
         described in EXHIBIT C hereto.

1.3      "COLLEGE CLUB MEMBERSHIP CARD" means the card issued by COLLEGE CLUB
         which provides information regarding services contained with the Online
         Service. a sample of which is attached as EXHIBIT D hereto.

1.4      "COLLEGE CLUB SERVICE" means the College Club online service, as
         further described in EXHIBIT A hereto.

1.5      "COLLEGE CLUB REGISTERED USER" has the meaning set forth in Section 5
         ("Registered Users").

1.6      "EFFECTIVE DATE" means the date set forth in the introductory paragraph
         of this Agreement.

1.7      "STUDENT PLANNER" means the Overly student planner (and Marketing
         Materials), as further described in EXHIBIT B hereto.

1.8      "MARKETING MATERIALS" shall mean the temporary College Club Membership
         Card and/or the alternative marketing materials of COLLEGE CLUB as
         described in Section 4(a)(ii) herein.

1.9      "OTHER MARKETING EFFORTS" shall have the meaning set forth in Section
         6(b) ("Registered User Fee").

1.10     "COLLEGE CLUB TRADEMARKS" shall have the meaning set forth in Section
         3(a) ("License").

1.11     "REGISTERED USER FEE" shall have the meaning set forth in Section 6(b)
         ("Registered User Fee").

1.12     "INTELLECTUAL PROPERTY RIGHTS" means copyright rights, trademark
         rights, patent rights, trade secrets, moral rights, right of publicity,
         authors' rights, contract and licensing rights, goodwill and all other
         intellectual property rights as may exist now and/or hereafter come
         into existence, and all renewals and extensions thereof, regardless of
         whether such rights arise under the law of the United States of any
         other state, country or jurisdiction.

         2. PROVISION OF CAMPUS DATA. For a period of ten (10) years from the
Effective Date of this Agreement, Overly agrees to compile and organize local
campus information which it collects for insertion into its Student Planners and
Student Handbooks in a format acceptable to COLLEGE CLUB from all of the college
campuses Overly serves during the term of this

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Agreement. Overly agrees that the minimum number of such campuses for the
duration of this Agreement shall be two hundred (200) campuses. Overly will
undertake commercially reasonable efforts to compile such information (the
"Campus Data") which shall include, but not be limited to the categories of
information, set forth in EXHIBIT C ("Campus Data") hereto. Overly will provide
the Campus Data to COLLEGE CLUB in a preliminary fashion no later than May 15
and the complete Campus Data no later than July 15 for each Fall semester and no
later than December 15 for each Spring Semester for each year of the term of
this Agreement.

         3.       LICENSE.

                  a. GRANT. Subject to the terms and conditions set forth
herein, COLLEGE CLUB grants to Overly, and Overly hereby accepts, a limited,
nontransferable, nonexclusive license to (i) reproduce the College Club
Membership Card and include it with the Student Planners; and (ii) use COLLEGE
CLUB's Trademarks for purposes of the Advertising Strip and any approved
materials used with Other Marketing Efforts which may be agreed to by COLLEGE
CLUB and Overly. Use of COLLEGE CLUB's Trademarks shall be in accordance with
any guidelines provided by COLLEGE CLUB to Overly. For the purposes of this
Agreement, "COLLEGE CLUB's Trademarks" shall mean those trademarks of COLLEGE
CLUB to be used by Overly in connection with the activities contemplated by this
Agreement which are designated by COLLEGE CLUB to Overly in writing during the
term of this Agreement.

                  b. RESERVATION OF RIGHTS. All Intellectual Property rights
owned by a party as of the Effective Date shall remain the property of such
party and no license or other rights with respect to such Intellectual Property
are granted to the other party except as otherwise expressly set forth in this
Agreement.

         4.       STUDENT PLANNER ADVERTISING.

                  a. MEMBERSHIP CARD. On the date hereof, Overly will begin
including a temporary College Club Membership Card located immediately inside
the front cover of all Student Planners sold by Overly.

                           i. On or before December 1 of each calendar year,
COLLEGE CLUB will provide to Overly a sample of the College Club Membership Card
to be included in the Student Planners for the following academic year. Overly
will be responsible, at Overly's cost. for producing sufficient quantities of
the College Club Membership Card to be included with the Student Planners.
COLLEGE CLUB may provide Overly with new versions of the College Club Membership
Card from time to time during the term of this Agreement. Overly will undertake
commercially reasonable efforts to include the College Club Membership Card in
all Student Planners it sells except in those sold to any customer that requests
that the College Club Membership card not be included and Overly promptly
notifies College Club. College Club agrees (a) to provide a link from its
website to websites maintained by an Overly customer that has agreed to have
College Club membership cards included and (b) to provide such customers an
opportunity to sell discounted products in the locally focused discount section
of College Club's website.

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                           ii. At COLLEGE CLUB's sole option and discretion,
COLLEGE CLUB may require that Overly provide marketing materials of reasonable
size and nature other than the College Club Membership Card in the Student
Planners. If COLLEGE CLUB desires to so change the marketing materials, COLLEGE
CLUB shall so inform Overly on or before December 1 of the year prior to the
beginning of the academic year in which the change will take effect, and COLLEGE
CLUB will provide to Overly a sample of the new marketing materials. Overly will
be responsible, at Overly's cost, for producing sufficient quantities of the new
marketing materials to be included with the Student Planners; provided, however,
that the cost to Overly to produce the new marketing materials shall not exceed
$.05 per unit. In the event Overly anticipates that the cost will exceed $.05
per unit, Overly will notify COLLEGE CLUB and provide documentation of such
cost, and COLLEGE CLUB will either modify the marketing materials so that the
cost to COLLEGE CLUB will be less than $.05 per unit or COLLEGE CLUB may agree
to reimburse Overly for the cost of the marketing materials in excess of $.05
per unit.

                  b. ADVERTISING STRIP. In addition to inserting the College
Club Membership Card inside the Student Planners, Overly shall include an
advertising strip ("Advertising Strip")located in front of the cover of the
Student Planners. Such advertising strip shall describe the existence of the
College Club Membership Card as well as some of its features (e.g., discounts,
voicemail, e-mail, etc.), with the specific format of the advertising strip to
be mutually agreed to by Overly and COLLEGE CLUB. Overly will be responsible for
producing sufficient quantities of the Advertising Strip. COLLEGE CLUB shall
reimburse Overly for Overly's direct out-of pocket expenses incurred to print
the Advertising Strip, not to exceed $.03 per unit, within thirty (30) days
after receipt of Overly's invoice for such costs. If requested by COLLEGE CLUB,
Overly shall provide COLLEGE CLUB with documentation and back-up evidencing such
expenses.

         5.       REGISTERED USERS. For the purposes of this Agreement, "College
Club Registered User" means any new user that registers at COLLEGE CLUB's web
site, www.collegeclub.com/savemoney (or such other URL as mutually agreed upon
by COLLEGE CLUB and Overly) and returns to such site at least once during the
period 31 to 90 days following such registration and has registered at COLLEGE
CLUB's web site as set forth in (a) through (c) below:

                  a. Any new user registers via the bridge page
www.collegectub.com/savemoney (or other such URL as mutually agreed upon by
COLLEGE CLUB and Overly);

                  b. Any new user that upon registration (by any means)
identifies Overly's Media as the source of reference in the "How Heard" section
of the online registration form of COLLEGE CLUB's web site; or

                  c. Any new user that logs on to COLLEGE CLUB's web site with a
password that has been preassigned to such user by any of Overly's media.

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         6.       CONSIDERATION.

                  a. EQUITY SECURITIES. As consideration for providing the
marketing initiatives set forth in Section 4 above ("Student Planner
Advertising"), COLLEGE CLUB shall issue to Overly Equity Securities (hereinafter
defined) on the terms summarized below. The Equity Securities shall be issued in
accordance with and subject to the terms of the Stock Subscription Agreement
attached hereto as EXHIBIT E.

                           i. Equity Securities having an aggregate value of
$75,000 (determined as set forth below), $7,500 of which shall be issued on the
Effective Date and Equity Securities having a value of $11,250 shall be issued
on each of the next six anniversaries thereof during the term of this Agreement.

                           ii. Equity Securities having a value of up to
$150,000 (determined as set forth below), $15,000 of which shall be issued on
the Effective Date, with the balance of such Equity Securities to be issued from
time to time during the term of this Agreement, in the amounts indicated below,
within thirty (30) days after the achievement of the performance criteria
relating to the number of Student Planners distributed by Overly or the number
of College Club Registered Users registered as a result of the activities
contemplated by this Agreement, as follows:

         Overly   College Club
Student Planners  Registered Users  Value of Eguity  % of Total

<TABLE>
<CAPTION>

           OVERLY                   COLLEGE CLUB
      STUDENT PLANNERS            REGISTERED USERS        VALUE OF EQUITY         % OF TOTAL
      ----------------            ----------------        ---------------         ----------
      <S>                         <C>                     <C>                     <C>
                 0                             0             $  15,000                10%
           600,000                        10,000             $  30,000                20%
         1,200,000                        20,000             $  60,000                40%
         1,800,000                        30,000             $  90,000                60%
         2,400,000                        40,000             $ 120,000                80%
         3,000,000                        50,000             $ 150,000               100%

</TABLE>

For the purposes of this section, "Equity Securities" shall initially mean
COLLEGE CLUB's Series B Preferred Stock ("Series B Stock"). In the event of the
automatic conversion of COLLEGE CLUB's Series B Stock (in accordance with its
Articles of Incorporation), "Equity Securities" shall, thereafter mean shares of
COLLEGE CLUB's Common Stock. Further, for so long as COLLEGE CLUB is obligated
to issue Series B Stock pursuant to this Section 6a, the per share value thereof
shall be equal to the liquidation preference of the Series B Shares (the "Series
B Preference"). Thereafter, the per share value of Equity Securities issued by
COLLEGE CLUB shall be equal to the Series B Preference as in effect on the date
of the automatic conversion of the Series B Stock, as adjusted for subsequent
stock splits, stock dividends, recapitalizations and the like. College Club
agrees to use commercially reasonable efforts to maintain its website and the
bridge page www.collegeclub.com/planner (or such other applicable URL) in
sufficient working order to adequately record new College Club Registered Users
and to include on such

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sites information with respect to local merchants from the areas in which Seiler
is distributing Student Planners.

                  b. REGISTERED USER FEE. For a period of ten (10) years from
the Effective Date of this Agreement, COLLEGE CLUB shall pay to Overly a fee of
$3.00 ("Registered User Fee") per new College Club Registered User that becomes
a College Club Registered User as a result of marketing efforts for any of
COLLEGE CLUB's products or services undertaken by Overly that are other than
those set forth in this Agreement ("Other Marketing Efforts"). Overly shall
obtain COLLEGE CLUB's prior written approval before commencing any such Other
Marketing Efforts. The Registered User Fees shall be payable by COLLEGE CLUB to
Overly on or before every June I and December I during the term of this
Agreement. Prior to the implementation of any Other Marketing Efforts, COLLEGE
CLUB and Overly shall agree as to how to determine whether a new College Club
Registered User "results" from the Other Marketing Efforts; i.e., whether the
determination is the same as set forth in this Agreement or by other means.

         7.       TERM AND TERMINATION.

                  a. Initial Term. The initial term of this Agreement shall
commence as of the Effective Date and shall continue until the earlier of (i)
ten (10) years after the Effective Date of this Agreement; (ii) the sale of
three million (3,000,000) Student Planners containing the COLLEGE CLUB Marketing
Materials; or (iii) the addition of fifty thousand (50,000) new College Club
Registered Users that "result" from such COLLEGE CLUB Marketing Materials
included in the Overly Student Planners. For the purposes of this Agreement,
College Club Registered Users shall be considered to have "resulted" from the
COLLEGE CLUB Marketing Materials if they become College Club Registered Users
via the criteria set forth in Section 5 above ("Registered Users").

                  b. Extended Tenn. In the event the initial term expires prior
to ten (10) years after the Effective Date as a result of Overly satisfying
either 7(a)(ii) or 7(a)(iii) above, the COLLEGE CLUB shall have the right, at
its sole option and discretion, to continue the term of this Agreement and
purchase the Overly Student Planner advertising space as described in Section 4
above ("Student Planner Advertising") for the remainder of the ten (10) year
period at the following cost: (i) for years I through 5, the cost shall be $.015
per planner; and (ii) for years 6 through 10, the cost shall be $.015 per
planner plus an Inflation Premium, where such Inflation Premium shall be a
constant and shall $.015 time an agreed upon inflation rate representing the
compounded United States inflation rate experienced during years 1 through 5.

                  c. TERMINATION FOR CAUSE. If either party is in material
breach of the terms of this Agreement, the non-breaching party may give written
notice of such breach to the breaching party and an opportunity to cure the
breach within thirty (30) days. If such breach is not cured within such thirty
(30) day period, the non-breaching party may immediately terminate this
Agreement by subsequent written notice to the party in breach.

                  d. TERMINATION FOR INSOLVENCY. This Agreement may be
terminated (i) upon the institution by or against either party of insolvency,
receivership or bankruptcy proceedings or

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any other proceeding for the settlement of either party's debts; (ii) upon
either party making an assignment for the benefit of creditors, or (iii) upon
either party's dissolution or ceasing to do business but only if the party
described in (i), (ii) or (iii) is in breach of its obligations under this
Agreement and the other party so desires to terminate this Agreement by giving
written notice.

                  e.       EFFECT OF TERMINATION.

                           i. Within thirty (30) days after the effective date
of termination of this Agreement, Overly shall stop selling Student Planners
containing the Marketing Materials and shall stop any Other Marketing Efforts;

                           ii. Within ten (10) days after the effective date of
termination of this Agreement, each party shall return all Confidential
Information received from the other party or destroy such Confidential
Information and provide the other party with a signed statement from an officer
certifying that it has complied with the foregoing obligations;

                           iii. Any license rights granted from COLLEGE CLUB to
Overly shall terminate;

                           iv. Overly shall be entitled to retain any
consideration paid pursuant to Section 4 ("Consideration") and Overly shall be
entitled to receive any consideration to which it would otherwise have been
entitled under the terms of this Agreement as of the effective time of the
termination or expiration of this Agreement but which had not been paid as of
such time;

                           v. All claims for damages caused by any breach
occurring prior to the termination shall survive and remain enforceable;

                           vi. neither party shall be relieved from any
obligation accrued prior to the date of such termination; and

                           vii. The following Sections shall survive the
termination or expiration of this Agreement: Sections I ("Definitions"), 6
("Consideration"), 9 ("Information and Reports"), 3(b) ("Reservation of Rights);
11 ("Confidentiality"), 13 ("Limitation of Liability"), 14 ("Indemnification");
7 ("Term and Termination"); 15 ("General Terms and Conditions").

         8. COVENANT NOT TO COMPETE. Overly agrees to exclusively market only
COLLEGE CLUB's products and services with respect to the college marketplace for
online services. Specifically, Overly agrees to (i) not use any of its
properties or marketing initiatives to promote or advertise any other company
which could be viewed as a direct competitor to either COLLEGE CLUB defined as
any such company that offers a college-focussed web site that is either
e-commerce or advertising based ("Direct Competitor"); and (ii) not provide the
Campus Data to any Direct Competitor. Furthermore, in the event that over 50% of
Overly's voting or economic stock is sold or otherwise transferred (a "Change of
Control") to a Direct Competitor, then COLLEGE CLUB, at its sole option and
discretion, may terminate this Agreement as set forth in Section 7 ("Term and
Termination"). Any consideration paid to Overly pursuant to Section 6
("Consideration") prior to such change in control shall be not reversible or
refundable.

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         9.       INFORMATION AND REPORTS.

                  a. DISTRIBUTION OF STUDENT PLANNERS. Overly shall provide to
COLLEGE CLUB, on a quarterly basis, status reports detailing the distribution of
Student Planners containing the College Club Marketing Materials, which reports
shall contain all such information as may be reasonably requested by COLLEGE
CLUB but which in any event shall include without limitation the quantity of
Student Planners distributed and the names of the colleges at which the Student
Planners were distributed. Such reports shall be received by COLLEGE CLUB no
later than January 3 1, April 30, July 31 and October 31 of each year.

                  b. REGISTERED USERS. COLLEGE CLUB shall provide to Overly, on
a quarterly basis, a status report summarizing the number of new College Club
Registered Users that have become College Club Registered Users as a result of
the activities set forth in Section 4 above ("Student Planner Advertising").

                  c. AUDIT RIGHTS. On reasonable written notice, either party,
at its own expense, shall have the right to have an independent certified public
accountant inspect and audit the books and records of the other party during
usual business hours for the sole purpose of determining the correctness of
payments due under this Agreement. Such examination with respect to any fiscal
year shall not take place later than three (3) years following the expiration of
such period. The expense of such audit shall be borne by the auditing party;
provided, however, that if the audit discloses an error in excess of 2% in favor
of the party being audited, then the party being audited shall immediately pay
the cost of the audit to the auditing party, as well as the amount of the
outstanding discrepancy.

         10.      REPRESENTATIONS TO CUSTOMERS. Neither party shall make any
representations, oral or written, in connection with the other party's products
or services other than those provided by the other party in writing.

         11.      CONFIDENTIALITY.

                  a. GENERALLY. Each Party ("the Receiving Party") acknowledges
that by reason of its relationship with the other party ("the Disclosing Party")
hereunder, the Receiving Party might have access to certain information and
materials concerning the Disclosing Party's business, its financial, business
and technical plans and strategies, inventions, new products or services, and
technology ("Confidential Information"). Without limiting the foregoing, the
terms and conditions set forth in this Agreement shall be Confidential
Information. The Receiving Party acknowledges and agrees that the Disclosing
Party's Confidential Information is of substantial value to the Disclosing
Party, which value would be harmed if such information were disclosed to third
parties. The Receiving Party agrees that it shall not use (except in the
performance of its obligations under this Agreement) in any way for its own
account or any account of any third party, nor disclose to any third party such
Confidential Information except as required by law. The Receiving Party may
disclose the Disclosing Party's Confidential Information to its employees and
contractors who need to know such information, provided such employees and
contractor have signed confidentiality agreement with terms no less restrictive
than the terms in this Agreement. The Receiving Party shall not publish in any
form the

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Disclosing Party's Confidential Information beyond any descriptions published by
the Disclosing Party. The obligations in this Section shall survive the
termination of this Agreement.

                  b. EXCLUSIONS. Confidential Information does not include any
information that the Receiving Party can demonstrate by written records (a) was
known to the Receiving Party prior to its disclosure hereunder by the Disclosing
Party; (b) was independently developed by the Receiving Party; (c) is or becomes
publicly known through no wrongful act of the Receiving Party; (d) has been
rightfully received from a third party whom the Receiving Party has reasonable
grounds to believe is authorized to make such disclosure without restriction; or
(e) has been approved for public release by the Disclosing Party's prior written
authorization. Confidential Information may be disclosed pursuant to applicable
law, regulations or court order, provided that the Receiving Party provides
prompt advance notice thereof to enable the Disclosing Party to seek a
protective order or otherwise prevent such disclosure. In addition, COLLEGE CLUB
and Overly may disclose the existence and terms of this Agreement in connection
with a potential acquisition of substantially the entire business of COLLEGE
CLUB or a private or public offering of COLLEGE CLUB's securities or Overly's
securities.

                  c. AGREEMENT. For a period of two (2) years after the
Effective Date of this Agreement, neither party may disclose to the public or
any third party the existence of the Letter of Understanding or this Agreement
or any of the provisions of either document other than with the express prior
written consent of the other party, except as may be required by law.

         12.      WARRANTIES.

                  a. OVERLY. Overly hereby represents and warrants to COLLEGE
CLUB that Overly is authorized, empowered, and able to enter into and fully
perform its obligations under this Agreement.

                  b. COLLEGE CLUB. COLLEGE CLUB hereby represents and warrants
to Overly that COLLEGE CLUB is authorized, empowered, and able to enter into and
fully perform its obligations under this Agreement.

         13. LIMITATION OF LIABILITY. EXCEPT FOR LIABILITY ARISING UNDER SECTION
I 1 ("CONFIDENTIALITY"), IN NO EVENT SHALL EITHER PARTY BE LIABLE TO OTHER PARTY
FOR ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES (INCLUDING
WITHOUT LIMITATION LOST PROFITS) ARISING OUT OF THIS AGREEMENT (WHETHER FOR
BREACH OF CONTRACT, TORT, OR NEGLIGENCE) OR ITS TERMINATION AND IRRESPECTIVE OF
WHETHER SUCH PARTY-HAS BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH LOSS OR
DAMAGE.

         14.      INDEMNIFICATION.

                  a. INDEMNIFICATION BY OVERLY. Subject to the provisions of
this Section, Overly agrees to indemnify, defend and hold harmless COLLEGE CLUB
and its officers, directors, employees and agents from and against any and all
losses, liabilities, claims,

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obligations, costs, expenses (including, without limitation, reasonable
attorneys' fees) which result from, arise in connection with or are related in
any way to claims by third parties arising out of a breach of a representation
or warranty or obligation of Overly in this Agreement. The obligations of this
Section are contingent on COLLEGE CLUB (a) giving Overly prompt written notice
of any such claim; and (b) providing reasonable cooperation in the defense and
all related settlement negotiations.

                  b. INDEMNIFICATION BY COLLEGE CLUB. Subject to the provisions
of this Section, COLLEGE CLUB agrees to indemnify, defend and hold harmless
Overly and its officers, directors, employees and agents from and against any
and all losses, liabilities, claims, obligations, costs, expenses (including,
without limitation, reasonable attorneys' fees) which result from, arise in
connection with or are related in any way to claims by third parties arising out
of a breach of a representation or warranty or obligation of COLLEGE CLUB in
this Agreement. The obligations of this Section are contingent on Overly (a)
giving COLLEGE CLUB prompt written notice of any such claim; and (b) providing
reasonable cooperation in the defense and all related settlement negotiations.

         15.      GENERAL TERMS AND CONDITIONS.

                  a. EXPENSES. Except as may be expressly set forth herein, each
party will be responsible for its own expenses incurred in connection with all
matters relating to the fulfillment of the duties described herein, including
the preparation and execution of this Agreement.

                  b. GOVERNING LAW. This Agreement shall be governed in all
respects by the laws of the United States of America and the State of
California, excluding the application of its conflict or choice of law rules as
well as the application to this Agreement of the United Nations Convention on
Contracts for the International Sale of Goods. The parties irrevocably submit to
the exclusive jurisdiction of the Superior Court of the State of California, San
Diego County and the San Diego Division of the United States District Court for
the Southern District of California for disputes arising under this Agreement.
The parties will not raise in connection therewith, and hereby waive, any
defenses based on the venue, the inconvenience of the forum, the lack of
personal jurisdiction, the sufficiency of service process, or the like in any
such action brought in the State of California. The parties agree that service
of a complaint may be provided to a party in accordance with the terms of
Section 15(c) ("Notices") for any dispute, litigation or other action arising
under this Agreement or to interpret or enforce this Agreement. The prevailing
party in any such litigation or dispute shall be entitled to recover from the
other party its costs, including attorneys' fees, associated with such
litigation or dispute.

                  c. NOTICES. All notices or reports permitted or required under
this Agreement shall be in writing and shall be delivered by personal delivery,
facsimile (provided that proof of transmission is retained), or by certified or
registered mail, return receipt requested, and shall be deemed given upon
personal delivery, five (5) days after deposit in the mail or upon
acknowledgment of receipt of electronic transmission. Notices shall be sent to
the address set forth in the first paragraph of this Agreement or in the
signature block below, or other such address as either party may specify in
writing.

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                  d. INJUNCTIVE RELIEF. It is expressly agreed that a breach of
Section 11 ("Confidentiality") of this Agreement will cause irreparable harm to
either party and that a remedy at law would be inadequate. Therefore, in
addition to any and all remedies available at law, the aggrieved party will be
entitled to an injunction or other equitable remedies in all legal proceedings
in the event of any threatened or actual violation of any or all of the above
provisions.

                  e. WAIVER. No failure or delay on the part of either party in
exercising any right or remedy hereunder shall operate as a waiver thereof, nor
shall any single or partial exercise of any such right or remedy preclude any
other or further exercise thereof or of any other right or remedy. No provision
of this Agreement may be waived except in a writing signed by the party granting
such waiver.

                  f. SEVERABILITY. In the event that any provision of this
Agreement shall be unenforceable or invalid under any applicable law or be so
held by applicable court decision, such unenforceability or invalidity shall not
render this Agreement unenforceable or invalid as a whole, and in such event,
such provision shall be changed and interpreted so as to best accomplish the
objectives of such unenforceable or invalid provision within the limits of
applicable law or applicable court decisions.

                  g. HEADINGS. The section headings in this Agreement are
inserted as a matter of convenience and in no way define, limit, or describe the
scope of extent of such section, or affect the interpretation of this Agreement.

                  h. ASSIGNMENTS. This Agreement may not be assigned by either
party without the prior written consent of the other party which consent shall
not be unreasonably withheld; provided, however, that either party may assign
all of its rights and obligations under.. this Agreement to (i) a subsidiary or
parent of either party or an entity under common control with such party, (ii) a
purchaser of all or substantially all of the stock or assets, or (iii) a third
party participating in a merger or other business combination in which either
party is a constituent corporation. This Agreement shall be binding upon and
inure to the benefit of the parties and their respective successors and
permitted assigns.

                  i. COUNTERPARTS. This Agreement may be executed in
counterparts, all of which taken together shall constitute one single agreement
between the parties.

                  j. ENTIRE AGREEMENT. This Agreement and the Exhibits attached
hereto, which are hereby incorporated by reference, constitutes the entire
agreement between the parties with ` respect to the subject matter hereof. This
Agreement supersedes, and the terms of this Agreement govern, any prior or
collateral agreements, whether oral or written, with respect to the subject
matter hereof with the exception of any prior confidentiality agreements between
the parties. This Agreement may only be changed by mutual agreement of
authorized representatives of parties in writing.

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         IN WITNESS WHEREOF, authorized representatives of the parties have
executed this Agreement as of the Effective Date.

COLLEGECLUB.COM

By:  /s/ Michael C. Pousti
   -------------------------------------
         Michael C. Pousti,
         Chief Executive Officer

OVERLY PUBLISHING

By:  /s/ [ILLEGIBLE]
   -------------------------------------

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

                                       12
<PAGE>

                                    EXHIBIT A

                                 ONLINE SERVICE

<PAGE>

                                    EXHIBIT B

                                 STUDENTPLANNER

<PAGE>

                                    EXHIBIT C
                                   CAMPUS DATA

Academic Schedules
Sports Schedules
Campus Phone Numbers (e.g., ______________________)

<PAGE>

                                    EXHIBIT D

                          COLLEGE CLUB MEMBERSHIP CARD

<PAGE>

                                    EXHIBIT E

                          STOCK SUBSCRIPTION AGREEMENT<PAGE>
                                                                EXHIBIT 10.15

                      EQUITY SECURITIES SUBSCRIPTION AGREEMENT

THIS EQUITY SECURITIES SUBSCRIPTION AGREEMENT is made effective as of the 25th
day of June, 1999, (the "Effective Date") by and between College Club.com, a
California corporation (the "Corporation"), and Overly Publishing, (the
"Purchaser").

                                    WITNESSETH:

WHEREAS, the Corporation and Purchaser have entered into a Joint Marketing
Agreement as of the Effective Date to which this Agreement is attached as
EXHIBIT E (the "Marketing Agreement");

WHEREAS, the Marketing Agreement provides for the Corporation's issuance to the
Purchaser from time to time of Equity Securities (as defined therein) on the
terms set forth therein; and

WHEREAS, the Corporation and the Purchaser desire to set forth the terms upon
which the Equity Securities will be issued by the Corporation to the Purchaser.

NOW, THEREFORE, IT IS AGREED between the parties as follows:

1.     ISSUANCE OF EQUITY SECURITIES.  The Purchaser hereby agrees that all
Equity Securities issued from time to time by the Corporation pursuant to the
terms of Section 6a of the Marketing Agreement shall be issued subject to the
terms and conditions of this Agreement.  Concurrently with the execution of this
Agreement, the Corporation shall deliver to Purchaser a certificate for 2632
shares of Series B Preferred Stock as provided in subsections 6a(i) and 6(a)(ii)
of the Marketing Agreement.

2.     RIGHT OF FIRST REFUSAL.  Before any shares of Equity Securities
registered in the name of Purchaser may be sold or transferred (including
transfer by operation of law) other than as set forth in Section 2(e) below,
such shares shall first be offered to the Corporation, which will have the right
to purchase all or any part of the shares proposed to be transferred ("Right of
First Refusal"), in the following manner:

              (a)    The Purchaser or its successors and assigns shall first
give written notice (the "Transfer Notice") of any proposed transfer to the
Corporation.  The Transfer Notice shall name the proposed transferee, state the
number of shares of Equity Securities to be transferred, and if the transfer is
voluntary, the price per share and all other terms of the offer.  The Transfer
Notice shall be signed by the Purchaser or its successors and assigns and the
prospective transferee and must constitute a binding agreement for the transfer
of the Equity Securities subject only to the Right of First Refusal.

              (b)    Within thirty (30) days of delivery of the Purchaser's
notice of a proposed voluntary transfer, the Corporation's Board of Directors
shall determine the bona fide nature of

<PAGE>

the proposed voluntary transfer and give the Purchaser written notice of its
determination. If the proposed transfer is deemed to be bona fide, the remaining
subsections of this section shall apply to the sale. If the proposed transfer is
deemed not to be bona fide, the Purchaser will be responsible for providing
additional information to the Board to show the bona fide nature of the proposed
transfer and no Equity Securities will be transferred on the books of the
Corporation until the Board has approved the proposed transfer as bona fide.

              (c)    If the Corporation fails to exercise in full the Right of
First Refusal within thirty (30) days from the later of the date the Transfer
Notice is delivered to the Corporation or thirty (30) days after the date the
transfer is determined to be bona fide (if the Purchaser is required to provide
additional information as provided in Section 2(b) above), the Purchaser may,
not later than one hundred twenty (120) days following delivery to the
Corporation of the Transfer Notice, conclude a transfer of the shares of Equity
Securities subject to the Transfer Notice which have not been purchased by the
Corporation pursuant to exercise of the Right of First Refusal on the terms and
conditions described in the Transfer Notice.  Any proposed transfer on terms and
conditions different from those described in the Transfer Notice, as well as any
subsequent proposed transfer by the Purchaser, shall again be subject to the
Right of First Refusal and shall require compliance by the Purchaser with the
procedure described in this Section 2.  If the Corporation exercises the Right
of First Refusal, the parties shall consummate the sale of shares of Equity
Securities on the terms set forth in the Transfer Notice by the later of sixty
(60) days after the delivery of the Transfer Notice to the Corporation or thirty
(30) days after the date the transfer is determined to be bona fide (if the
Purchaser is required to provide additional information as provided in Section
2(b) above); provided, however, in the event the Transfer Notice provides for
the payment for the shares of Equity Securities other than in cash, the
Corporation shall have the option of paying for the shares of Equity Securities
by the discounted cash equivalent of the consideration described in the Transfer
Notice as reasonably determined by the Corporation.

              (d)    All transferees of shares of Equity Securities or any
interest therein other than the Corporation shall be required as a condition of
such transfer to agree in writing (in a form satisfactory to the Corporation)
that they will receive and hold such shares of Equity Securities or interests
subject to the provisions of this Agreement, including the Right of First
Refusal.

              (e)    The Right of First Refusal shall terminate at such time as
a public market exists for the Corporation's Common Stock.  For the purpose of
this Agreement, a "public market" shall be deemed to exist if (i) such Common
Stock is listed on a national securities exchange (as that term is used in the
Securities Exchange Act of 1934) or (ii) such Common Stock is traded on the
over-the-counter market and prices therefore are published daily on business
days in a recognized financial journal.

3.     "MARKET STAND-OFF' AGREEMENT.  The Purchaser hereby agrees that, during
the period of duration (not to exceed 180 days) specified by the Company and an
underwriter of common stock or other securities of the Company following the
effective date of a registration statement of the Company filed under the
Securities Act of 1933, as amended ("Act"), it shall not, to the extent
requested by the Company and such underwriter, directly or indirectly sell,
offer to sell,

                                     - 2 -
<PAGE>

contract to sell (including, without limitation, any short sale), grant any
option to purchase, pledge or otherwise transfer or dispose of (other than to
donees who agree to be similarly bound) the shares of Equity Securities at any
time during such period except shares of Equity Securities included in such
registration; provided, however, that such agreement shall not be required
unless all officers and directors and key employees of the Company and all other
persons purchasing common Equity Securities of the Company enter into similar
agreements.

4.     LEGENDS.  All certificates representing any shares of Equity Securities
subject to the provisions of this Agreement shall have endorsed thereon the
following legends:

              (a)    "THE SHARES REPRESENTED BY THIS CERTIFICATE ARE SUBJECT TO
A RIGHT OF FIRST REFUSAL IN FAVOR OF THE CORPORATION OR ITS ASSIGNEE SET FORTH
IN AN AGREEMENT BETWEEN THE CORPORATION AND THE REGISTERED HOLDER, OR HIS OR HER
PREDECESSOR IN INTEREST, A COPY OF WHICH IS ON FILE AT THE PRINCIPAL OFFICE OF
TIES CORPORATION."

              (b)    "THE SECURITIES EVIDENCED BY THIS CERTIFICATE HAVE NOT BEEN
REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, AND MAY NOT BE SOLD,
TRANSFERRED, ASSIGNED OR HYPOTHECATED UNLESS THERE IS AN EFFECTIVE REGISTRATION
STATEMENT UNDER SUCH ACT COVERING SUCH SECURITIES, THE SALE IS MADE IN
ACCORDANCE WITH RULE 144 UNDER THE ACT, OR THE COMPANY RECEIVES AN OPINION OF
COUNSEL FOR THE HOLDER OF THESE SECURITIES REASONABLY SATISFACTORY TO THE
COMPANY, STATING THAT SUCH SALE, TRANSFER, ASSIGNMENT OR HYPOTHECATION IS EXEMPT
FROM THE REGISTRATION AND PROSPECTUS DELIVERY REQUIREMENTS OF SUCH ACT."

5.     WARRANTIES AND REPRESENTATIONS.  In connection with the proposed purchase
of the Equity Securities, the Purchaser hereby agrees, represents and warrants
as follows:

              (a)    The Purchaser is purchasing the Equity Securities solely
for its own account for investment and not with a view to, or for resale in
connection with, any distribution thereof within the meaning of the Act.  The
Purchaser further represents that it does not have any present intention of
selling, offering to sell or otherwise disposing of or distributing the Equity
Securities or any portion thereof; and that the entire legal and beneficial
interest of the Equity Securities it is purchasing is being purchased for, and
will be held for the account of, the Purchaser only and neither in whole nor in
part for any other person.

              (b)    The Purchaser is aware of the Corporation's business
affairs and financial condition and has acquired sufficient information about
the Corporation to reach an informed and knowledgeable decision to acquire the
Equity Securities.  The Purchaser further represents and wanants that it has
discussed the Corporation and its plans, operations and finance condition with
its officers, has received all such information as it deems necessary and
appropriate to enable it to evaluate the financial risk inherent in making an
investment in the Equity Securities and has received satisfactory and complete
information concerning the business and financial condition of the Corporation
in response to all inquiries in respect thereof.

                                     - 3 -
<PAGE>

              (c)    The Purchaser realizes that its purchase of the Equity
Securities will be a highly speculative investment, and it is able, without
impairing its financial condition, to hold the Equity Securities for an
indefinite period of time and to suffer a complete loss on its investment.

              (d)    The Corporation has disclosed to the Purchaser that:

                     (i)    The sale of the Equity Securities has not been
registered under the Act, and the Equity Securities must be held indefinitely
unless a transfer thereof is subsequently registered under the Act or an
exemption from such registration is available, and that the Corporation is under
no obligation to register the Equity Securities;

                     (ii)   The Corporation will make a notation in its records
of the aforementioned restrictions on transfer and legends.

              (e)    The Purchaser is aware of the provisions of Rule 144,
promulgated under the Act, which, in substance, permits limited public resale of
"restricted securities" acquired, directly or indirectly, from the issuer
thereof (or an affiliate of such issuer), in a non-public offering subject to
the satisfaction of certain conditions, including among other things: the resale
occurring not less than one year from the date the Purchaser has purchased and
paid for the Equity Securities; the availability of certain public information
concerning the Corporation; the sale being through a broker in an unsolicited
"broker's transaction" or in a transaction directly with a market maker (as said
term is defined under the Securities Exchange Act of 1934); and that any sale of
the Equity Securities may be made by him/her only in limited amounts during any
three-month period not exceeding specified limitations.  The Purchaser further
represents that it understands that at the time it wishes to sell the Equity
Securities there may be no public market upon which to make such a sale, and
that, even if such a public market then exists, the Corporation may not be
satisfying the current public information requirements of Rule 144, and that, in
such event, it would be precluded from selling the Equity Securities under Rule
144 even if the one-year minimum holding period had been satisfied.  The
Purchaser represents that it understands that in the event all of the
requirements of Rule 144 are not satisfied, registration under the Act or
compliance with an exemption from registration will be required; and that,
notwithstanding the fact that Rule 144 is not exclusive, the staff of the SEC
has expressed its opinion that persons proposing to sell private placement
securities other than in a registered offering and otherwise than pursuant to
Rule 144 will have a substantial burden of proof in establishing that an
exemption from registration is available for such offers or sales, and that such
persons and their respective brokers who participate in such transactions do so
at their own risk.

              (f)    Without in any way limiting the Purchaser's representations
and warranties set forth above, the Purchaser further agrees that it shall in no
event make any disposition of all or any portion of the Equity Securities which
it is purchasing unless and until:

                     (i)    There is then in effect a Registration Statement
under the Act covering such proposed disposition and such disposition is made in
accordance with said Registration Statement; or

                                     - 4 -
<PAGE>

                     (ii)   The Purchaser shall have (1) notified the
Corporation of the proposed disposition and finished the Corporation with a
detailed statement of the circumstances surrounding the proposed disposition,
and (2) furnished the Corporation with an opinion of its own counsel to the
effect that such disposition will not require registration of such shares under
the Act, and such opinion of its counsel shall have been concurred in by counsel
for the Corporation and the Corporation shall have advised the Purchaser of such
concurrence.

6.     TRANSFERS IN VIOLATION OF AGREEMENT.  The Corporation shall not be
required (i) to transfer on its books any shares of Equity Securities of the
Corporation which shall have been sold or transferred in violation of any of the
provisions set forth in this Agreement or (ii) to treat as owner of such shares
or to accord the right to vote as such owner or to pay dividends to any
transferee to whom such shares shall have been so transferred.

7.     FURTHER INSTRUMENTS.  The parties agree to execute such further
instruments and to take such further action as may reasonably be necessary to
carry out the intent of this Agreement.

8.     NOTICE.  Any notice required or permitted hereunder shall be given in
writing and shall be deemed effectively given upon personal delivery or upon
deposit in the United States Post Office, by registered or certified mail with
postage and fees prepaid, addressed to the other party hereto at the address
hereinafter shown below his signature or at such other address as such party may
designate by ten (10) days' advance written notice to the other party hereto.

10.    SUCCESSORS AND ASSIGNS.  This Agreement shall inure to the benefit of the
successors and assigns of the Corporation and, subject to the restrictions on
transfer herein set forth, be binding upon the Purchaser, its heirs, executors,
administrators, successors and assigns.

11.    ENTIRE AGREEMENT;  AMENDMENTS.  This Agreement shall be construed under
the laws of the State of California (as it applies to agreements between
California residents, entered into and to be performed entirely within
California), and constitutes the entire agreement of the parties with respect to
the subject matter hereof superseding all prior written or oral agreements, and
no amendment or addition hereto shall be deemed effective unless agreed to in
writing by the parties hereto.

12.    RIGHT TO SPECIFIC PERFORMANCE.  The Purchaser agrees that the Corporation
shall be entitled to a decree of specific performance of the terms hereof or an
injunction restraining violation of this Agreement, said right to be in addition
to any other remedies available to the Corporation.

13.    SEPARABILITY.  If any provision of this Agreement is held by a court of
competent jurisdiction to be invalid, void or unenforceable, the remaining
provisions shall nevertheless

                                     - 5 -
<PAGE>

continue in full force and effect without being impaired or invalidated in any
way and shall be construed in accordance with the purposes and tenor and effect
of this Agreement.

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

 "PURCHASER"                             "CORPORATION"

 OVERLY PUBLISHING                       COLLEGE CLUB.COM

 By:    /s/ Kenneth J. Davis             By:    /s/ Eric Rindahl
    --------------------------------        -----------------------------------
    Name:      Kenneth J. Davis             Name:      Eric Rindahl
    Title:     President                    Title:     Vice President of Finance
    Address:   85 Speen Street              Address:   5353 Mission Center Road
               Framingham, MD 01701                    Suite 310
                                                       San Diego, CA 92103

                                     - 6 -

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