Document:

<PAGE>

                                                                   Exhibit 10.10

                             AGREEMENT OF SUBLEASE

                                    Between

                       INSURANCE COMPANY OF NORTH AFRICA
                                                  Sublessor

                                      And

                   INTERACTIVE COUPON MARKETING GROUP, INC.
                                                  Sublessee

                             Dated: June 30, 1998
<PAGE>

                               TABLE OF CONTENTS

Section                                                                 Page
-------                                                                 ----

   1        Subleased Premises ......................................     1
   2        Term ....................................................     1
   3        Base Rent ...............................................     2
   4        Additional Rent .........................................     2
   5        Security ................................................     2
   6        Furniture and Fixtures ..................................     3
   7        Common Areas ............................................     3
   8        Use .....................................................     3
   9        Liability and Insurance .................................     4
  10        Fire or Casualty ........................................     4
  11        Assignment ..............................................     5
  12        Repairs .................................................     5
  13        Surrender of Possession .................................     5
  14        Captions ................................................     6
  15        Notices .................................................     6
  16        Waiver of Claim/Subrogation .............................     6
  17        Binding Effect ..........................................     7
  18        Entire Agreement ........................................     7
  19        Attorneys' Fees .........................................     7
  20        Prime Lease .............................................     7
  21        Prime Landlord's Consent ................................     7
  22        Quiet Enjoyment .........................................     8
  23        Defaults and Remedies; Interest on Late
            Payments ................................................     8
  24        Utilities and Services ..................................     9
  25        Sublessee's Obligations and Sublessor's
             Right to Perform Sublessee's Obligations ...............     9
  26        Sublessee Not to Cause Default ..........................     9
  27        Waiver ..................................................    10
  28        Arbitration .............................................    10
  29        Authority to Bind Parties ...............................    10
  30        Brokers .................................................    10
  31        Rights Cumulative .......................................    10
  32        Governing Law ...........................................    10
  33        Full Negotiation ........................................    11
  34        Changes in Writing ......................................    11
  35        Partial Payment .........................................    11
  36        Partial Invalidity ......................................    11
  37        No Offer ................................................    11

  Exhibits
  --------

  A         Prime Lease
  B         Floor Plan
  C         Irrevocable Letter of Credit
<PAGE>

                                   SUBLEASE

THIS AGREEMENT OF SUBLEASE is made as of this ______ day of June, 1998, by and
between INSURANCE COMPANY OF NORTH AMERICA, a Pennsylvania corporation with
offices at 1601 Chestnut Street, Philadelphia, PA 19192 ("Sublessor") and
INTERACTIVE COUPON MARKETING GROUP, INC., a Michigan corporation with offices at
8755 W. Higgins Road, Suite 100, Chicago, IL 60631-2708 ("Sublessee").

                                  WITNESSETH:

WHEREAS, pursuant to a lease dated June 30, 1996, between OHP Equity Investors,
predecessor-in-interest to Prentiss Properties Real Estate Fund I, L.P. as
landlord ("Prime Landlord") and Sublessor as tenant, as amended, attached hereto
as Exhibit "A" ("Prime Lease"), the Prime Landlord leased to Sublessor
approximately 67,467 rentable square feet of office space in the building
("Building") located at 8755 W. Higgins Road, Chicago, IL; and

WHEREAS, Sublessee desires to sublease 10,565 rentable square feet of said
office space on the fifth (5th) floor of the Building, as shown on the floor
plan attached hereto as Exhibit "B" ("Subleased Premises") from Sublessor:

NOW THEREFORE, the parties hereto agree as follows:

1.   Subleased Premises
     ------------------

Sublessor hereby subleases to Sublessee, and Sublessee hereby hires and
subleases from Sublessor, on the terms, covenants and conditions hereinafter
provided, the Subleased Premises consisting of all that office space and
improvements as shown on Exhibit "B". Sublessee accepts the Subleased Premises
in their current "as-is" condition and acknowledges that Sublessor has made no
representation or warranty of any kind, express or implied, with respect to the
Subleased Premises or the condition thereof or the use or occupation that may be
made thereof and that the Sublessor shall in no event whatsoever be liable for
any latent or patent defects therein. Notwithstanding the foregoing, Sublessor
shall cause the Subleased Premises to be segregated from the balance of the
fifth (5th) floor and made independently functional for Sublessee's use, at
Sublessor's expense, including demising walls and a Building standard entrance
door. All work shall be done in accordance with applicable codes, and Sublessor
shall obtain a Certificate of Occupancy, if required.

2.   Term
     ----

The term of this Sublease shall commence on the later of (1) July 1, 1998, or
(2) the date Sublessor has completed the demising work hereunder, and continue
until July 31, 2002.

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3.   Base Rent
     ---------

Sublessee shall pay to Sublessor, without notice or demand and without
abatement, deduction, counterclaim or setoff, a fixed annual rent (the "Base
Rent"), payable in equal monthly installments on the first day of each month as
follows:

                            Rate per rsf          Annual            Monthly
                            ------------          ------            -------
7/1/98-5/30/99                                 $211,304.04
  Months 1-8                   $17.25                              $15,117.19
  Months 9-11                  $25.50                              $22,451.63
6/1/99-5/30/00                 $26.01          $274,795.65         $22,899.64
6/1/00-5/30/01                 $26.53          $280,289.45         $23,357.45
6/1/01-5/30/02                 $27.06          $285,888.90         $23,824.08
6/1/02--7/31/02                $27.60                              $24,300.56

Send payments to:

         CIGNA Companies
         Corporate Real Estate
         Two Liberty Place - TL41A
         1601 Chestnut Street
         Philadelphia, PA 19192-2411
         Attention: Denise Heigold

4.   Additional Rent
     ---------------

Sublessee shall pay, as additional rent ("Additional Rent"), its Proportionate
Share of increases in actual real estate taxes paid by Sublessor over the amount
paid for the 1998 Base Year, together with its Proportionate Share of increases
in actual operating expenses paid by Sublessor over the amount incurred in the
1998 Base Year. Excluded from Additional. Rent is the CPI increase, or any
portion thereof, on the Base Rent payable by Sublessor under the Prime Lease.
Sublessee's Proportionate Share is 15.66% (10,565 + 67,467).

5.   Security
     --------

     a.   Sublessee upon the execution and delivery of this Sublease by
          Sublessor, Sublessee and Prime Landlord, Sublessee shall pay Sublessor
          Sixty-Seven Thousand Three Hundred Fifty-Two and No/l00 Dollars
          ($67,352.00) as security for the full and faithful performance of the
          terms, covenants and conditions of this Sublease on Sublessee's part
          to be performed or observed, including but not limited to payment of
          Base Rent and Additional Rent in default or for any other sum which
          Sublessor may expend or to be required to expend by reason of
          Sublessee's default, including any damages or deficiency in reletting
          the Subleased Premises, in whole or in part, whether such damages
          shall accrue before or after summary proceedings or other re-entry by
          Sublessor. If Sublessee shall fully and faithfully comply with all the
          terms,

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          covenants and conditions of this Sublease on Sublessee's part to be
          performed or observed, the remainder of the security, or any unapplied
          balance thereof, shall be returned to Sublessee within thirty (30)
          days after the time fixed as the expiration of the term and after the
          removal of Sublessee and surrender of possession of the Subleased
          Premises. Sublessor shall be entitled to comingle the security with
          Sublessor's other funds, and Sublessee shall not be entitled to any
          interest on the security. Sublessor shall return fifty percent (50%)
          of the security to Sublessee at the end of the second year of the term
          of this Sublease if Sublessee is not then, nor shall have theretofore
          been, in default.

     b.   In lieu of the requirements of Subsection a. above, Sublessee may
          elect to cause its bank to issue to Sublessor an irrevocable letter of
          credit substantially in the form attached hereto as Exhibit C, in a
          sum equivalent to six (6) months full Base Rent. If Sublessee shall
          fully and faithfully comply with all the terms, covenants and
          conditions of this Sublease on Sublessee's part to be performed or
          observed, the letter of credit, or any unapplied balance thereof,
          shall be returned to Sublessee after the time fixed as the expiration
          of the term and after the removal of Sublessee and surrender of
          possession of the Subleased Premises.

6.   Furniture and Fixtures
     ----------------------

Sublessor shall remove the furniture and Merlin telephone switch from the
Subleased Premises, at Sublessor's sole cost and expense, prior to the
commencement of the term of the Sublease.

7.   Common Areas
     ------------

At no additional cost or expense to Sublessee, Sublessee, and its invitees and
employees, shall have the right, in common with other tenants of the Building,
and their invitees and employees, to use all stairways, elevators, halls,
toilets and sanitary facilities, and all other general common facilities
contained in the Building, and all sidewalks, delivery areas, parking facilities
and other appurtenances to the Building.

8.   Use
     ---

The Subleased Premises shall be used for general office purposes only. Sublessee
shall not use or occupy the Subleased Premises or permit the Subleased Premises
to be used or occupied for any purpose, act or thing which is in violation of
the Prime Lease or any public law, ordinance or governmental regulation or may
invalidate any policy of insurance carried on the Building or the Subleased
Premises. Sublessee shall not do or permit anything to be done upon the
Subleased Premises which in any way may constitute waste, create a

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nuisance, disturb the occupants of the Building or of neighboring property or
injure the reputation of the Building or Sublessor.

9.   Liability and Insurance
     -----------------------

Sublessee agrees that Sublessor, and its officers, employees and agents, shall
not be liable to Sublessee for, and Sublessee hereby releases said parties from,
any personal injury or damage to or loss of personal property in or about the
Subleased Premises or the Building from any cause whatsoever, other than
intentional or negligent conduct by Sublessor, its officers, employees or
agents.

Sublessee shall defend, indemnify and save harmless Sublessor and its agents and
employees against and from all liabilities, obligations, damages, penalties,
claims, costs, charges and expenses, including reasonable attorneys' fees, which
may be imposed upon or incurred by or asserted against Sublessor and/or its
agents by reason of any of the following which shall occur during the Sublease
Term:

     a.   any work or act done in, on or about the Subleased Premises or any
          part thereof at the direction of Sublessee, its agents, contractors,
          subcontractors, servants, employees, licensees or invitees, except if
          such work or act is done or performed by Sublessor or the Prime
          Landlord, or their agents or employees;

     b.   any negligence or other wrongful act or omission on the part of
          Sublessee or any of its agents, contractors, subcontractors, servants,
          employees, subtenants, licensees or invitees;

     c.   any accident, injury or damage to any person or property occurring in
          the Subleased Premises or any part thereof, unless caused by the
          negligence of Sublessor or the Prime Landlord, their employees or
          agents; and

     d.   any failure on the part of Sublessee to perform or comply with any of
          the covenants, agreements, terms, provisions, conditions or
          limitations contained in this Sublease on its part to be performed or
          complied with.

Sublessee shall at all times during the period in which it has any occupancy
rights in the Subleased Premises, maintain in full force and effect
comprehensive public liability insurance, naming Sublessor as an additional
insured, covering injury to persons in amounts at least equal to $1,000,000 for
any occurrence involving one person, S2,000,000 involving two or more persons,
per occurrence, and damage to property of at least $1,000,000, occurring in or
about the Subleased Premises, and also covering the indemnity set forth above.
All such policies of insurance shall comply with the terms and conditions of the
Prime Lease, which is incorporated herein by reference.

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10.  Fire or Casualty
     ----------------

Sublessee shall give Sublessor immediate notice of any fire or other casualty in
the Subleased Premises. If access to the Subleased Premises is prevented or if
any substantial part of the Subleased Premises (including machinery or equipment
used in its operation) shall be materially damaged by fire or other casualty and
such damage cannot be repaired within sixty (60) days, this Sublease shall
terminate as of the date of such fire or other casualty. If this Sublease is not
terminated, then the Base Rent and Additional Rent shall be abated in proportion
to the area of the Subleased Premises rendered untenantable until the Subleased
Premises are fully restored.

11.  Assignment
     ----------

Sublessee shall not assign this Sublease, nor sublet the Subleased Premises in
whole or in part, without the prior written consent of the Prime Landlord and
Sublessor, which consent shall not be unreasonably withheld or delayed.

12.  Repairs
     -------

Sublessee shall, at Sublessee's sole cost and expense, keep the interior of the
Subleased Premises and all systems therein in good order, repair and condition
at all times during the Sublease Term, and Sublessee shall promptly and
adequately repair all damage to the interior of the Subleased Premises occurring
during the Sublease Term and replace or repair all damaged or broken fixtures
and appurtenances, as well as all operating equipment, facilities and systems,
to the extent such damage occurs during the Sublease Term, all with reasonable
dispatch, and in a good and workmanlike manner. If Sublessee does not do so,
Sublessor may, but need not, make such repairs and replacements, after giving
Sublessee reasonable prior written notice, and Sublessee shall pay to Sublessor
the cost thereof within thirty (30) days after being billed for the same.
Sublessee shall be liable for, and Sublessee shall repair any damage to the
Building, including the structural and exterior (including the roof) portions
thereof, caused by Sublessee, its agents, contractors or employees, reasonable
wear and tear excepted.

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<PAGE>

13.  Surrender of Possession
     -----------------------

Upon expiration of the Sublease Term or upon the termination of Sublessee's
right of possession, whether by lapse of time or as otherwise herein provided,
Sublessee shall forthwith surrender the Subleased Premises to Sublessor in good
order, repair and condition, broom clean, ordinary wear and tear excepted.
Sublessee agrees that TIME SHALL BE OF THE ESSENCE with respect to Sublessee's
obligations to surrender possession of the Subleased Premises to Sublessor upon
the termination of the Term of this Sublease, and further agrees that in the
event that Sublessee does not promptly surrender possession of the Subleased
Premises to Sublessor upon such termination, Sublessor, in addition to any other
rights and remedies Sublessor may have against Sublessee for such holding over,
shall be entitled to bring summary proceedings against Sublessee, and Sublessee
agrees to reimburse Sublessor for Sublessor's damages, consequential as well as
direct, sustained by Sublessor by reason of such holding over, including without
limitation, Sublessor's reasonable attorney's fees and disbursements incurred in
connection with the exercise by Sublessor of its remedies against Sublessee.
Consequential damages shall include but not be limited to: (a) Sublessor's costs
incurred as a result of Sublessor's inability to occupy the Subleased Premises
including additional moving expenses and increased construction costs, if any,
relating to any improvements to the Subleased Premises planned by Sublessor upon
termination of this Sublease; and (b) any amounts owed to the Prime Landlord for
failure to surrender the Subleased Premises under the Prime Lease upon
termination of the Prime Lease.

14.  Captions
     --------

The captions in this Sublease are inserted only as a matter of convenience and
for reference and they in no way define, limit or describe the scope of this
Sublease or the intent of any provision hereof.

15.  Notices
     -------

Where notice is required hereunder, such notice will be deemed given if sent to
Sublessor by certified mail, return receipt requested, postage prepaid at the
address specified above, and to Sublessee at the Subleased Premises, by
certified mail, return receipt requested, postage prepaid. Sublessee shall send
a copy of the summons, complaint, or other appropriate papers, served at the
Subleased Premises, to Michael D. Gilmore, Esquire, CIGNA Corporation, Two
Liberty Place, 1601 Chestnut Street, TL41B, Philadelphia, PA 19192-2415.

16.  Waiver of Claim/Subrogation
     ---------------------------

Any provision of this Sublease which shall prove to be invalid, void or illegal
shall in no way affect, impair or invalidate any other provisions hereof and
such other provisions shall remain in full force and effect. Sublessee is
relying on Prime Landlord tO obtain and

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<PAGE>

maintain fire and extended perils insurance for the full replacement cost of the
Building and the Subleased Premises. Sublessee shall insure or self-insure the
contents of the Subleased Premises. Sublessor and Sublessee, for themselves and
their respective insurers, agree to, and do hereby release each other, of and
from any and all claims, demands, actions and causes of action that each may
have or claim to have against the other for loss or damage to property, both
real and personal, caused by or resulting from casualties customarily insurable,
notwithstanding that any such loss or damage may be due to or result from the
negligence of either of the parties hereto or their respective employees or
agents. Sublessor agrees that it is a condition of this Sublease that Sublessor
shall secure a similar waiver of claim and subrogation from the Prime Landlord
in favor of Sublessee. Such waivers shall be included in the Prime Landlord's
consent.

17.  Binding Effect
     --------------

The covenants, conditions, warranties and agreements contained in this Sublease
shall bind and inure to the benefit of Sublessor and Sublessee and their
respective heirs, distributees, executors, administrators, successors and
assigns.

18.  Entire Agreement
     ----------------

This Sublease, with the Exhibits annexed hereto, contains the entire agreement
between Sublessor and Sublessee and incorporates all prior and contemporaneous
agreements, understandings, warranties, representations and covenants. Any
executory agreement hereafter made between Sublessor and Sublessee shall be
ineffective to change, modify, waive, release, discharge, terminate or effect an
abandonment of this Sublease, in whole or in part, unless such executory
agreement is in writing and signed by the party against whom enforcement of the
change, modification, waiver, release, discharge, termination or the effecting
of the abandonment is sought.

19.  Attorneys' Fees
     ---------------

If any lawsuit, reference, mediation or arbitration is commenced which arises
out of or relates to this Sublease, the prevailing party shall be entitled to
recover from each other party such sums as the court, referee, mediator or
arbitrator may adjudge to be reasonable attorneys' fees in the action,
reference, mediation or arbitration, including the allocated costs for the
services of in-house counsel, in addition to costs and expenses otherwise
allowed by law.

20.  Prime Lease
     -----------

This Sublease is subject and subordinate to the following sections of the Prime
Lease which do not conflict with the terms of this Sublease, and which are
herewith incorporated by this reference into this Sublease as if fully set forth
herein: 3, 6, 14, 16, 18, 21-24, 27, 28, 30 and 38. Sublessee shall provide
Sublessor with satisfactory evidence of its compliance with the foregoing terms
of

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<PAGE>

the Prime Lease, including, but not limited to, copies of insurance certificates
showing required insurance coverages are in place.

21.  Prime Landlord's Consent
     ------------------------

This Sublease is conditioned upon Sublessor's obtaining the Prime Landlord's
written consent to this Sublease (including the Waiver of Claim/Subrogation
described above). If such consent is refused or if the same is not obtained, in
writing, within thirty (30) days of the full execution of this Sublease, this
Sublease shall be null and void, of no force or effect and all sums that
Sublessee shall have paid or delivered hereunder to Sublessor shall be promptly
returned to Sublessee.

22.  Quiet Enjoyment
     ---------------

Upon Sublessee paying the rent and observing and performing the terms, covenants
and conditions on its part to be observed and performed under this Sublease,
Sublessee shall have quiet and peaceful enjoyment and possession of the
Subleased Premises during the Sublease Term.

23.  Defaults and Remedies; Interest on Late Payments
     ------------------------------------------------

If default shall be made in the payment of any installment of Base Rent or any
other sum required to be paid by Sublessee under this Sublease and such default
shall continue for ten (10) days after written notice to Sublessee, or if
default shall be made in the observance or performance of any other covenants or
conditions in this Sublease or the Prime Lease which Sublessee is required to
observe and perform and such default shall continue for thirty (30) days after
written notice to Sublessee, or if such default cannot be cured within such
thirty (30) day period and Sublessee shall not have commenced and be diligently
attempting to cure such default, or if a default involves a hazardous condition
and is not cured by Sublessee within three (3) days after written notice to
Sublessee, or, if such default cannot be cured within such three (3) day period
and Sublessee shall not have commenced and be diligently attempting to cure such
default, then Sublessor may treat the occurrence of any one or more of the
foregoing events as a breach of this Sublease, and thereupon may, with or
without notice or demand of any kind to Sublessee or any other person, have the
following described remedies in addition to all other rights and remedies
provided at law or in equity or elsewhere herein.

In the event of a default by Sublessee, Sublessor may terminate this Sublease
and the Sublease Term created hereby, in which event Sublessor may forthwith
repossess the Subleased Premises and be entitled to recover forthwith, in
addition to any other sums owing to Sublessor from or damages caused by
Sublessee, as damages a sum of money equal to the worth, discounted at the rate
of the Prime Rate at the Chase Manhattan Bank, New York, in effect at the time
of Sublessor's termination, of the excess, if any, of the amount of Base Rent
and all other sums to be paid by Sublessee under this Sublease throughout the
balance of the Sublease Term in effect at the time of termination (as if not
terminated by Sublessor because of Sublessee's

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<PAGE>

default) over the then fair market rental value of the Subleased Premises for
the same period. Should the fair market rental value of the Subleased Premises
for the balance of the Sublease Term exceed the value of the Basic Rent and
additional rent provided to be paid by Sublessee for the balance of the Sublease
Term, Sublessor shall have no obligation to pay to Sublessee the excess or any
part thereof.

All installments of Base Rent or Additional Rent not paid when due and payable
shall bear interest at the lesser of (a) the rate of ten percent (10%) or (b)
the maximum interest rate permitted by law, from the date due until paid. In
addition, Sublessee shall pay to Sublessor five percent (5%) of the overdue
amount as a late charge. Sublessor's acceptance of any late charge or interest
shall not constitute a waiver of Sublessee's default with respect to the overdue
amount nor prevent Sublessor from exercising any of the other rights and
remedies available to Sublessor under this Sublease or any law now or hereafter
in effect.

24.  Utilities and Services
     ----------------------

Sublessee shall be entitled to all of the services and rights to which Sublessor
is entitled under the Prime Lease. Sublessor shall take all reasonable steps
necessary to ensure that all utilities and services called for under the Prime
Lease are made available to Sublessee; provided, however, Sublessor shall have
no liability or responsibility should Prime Landlord not provide any of the
services required under the Prime Lease, and Sublessee's responsibility to pay
Base Rent under this Sublease shall not be affected in any way unless Sublessor
is excused from paying rent under the Prime Lease; and further provided,
however, that in the event of a breach of the Prime Lease by Prime Landlord
which would entitle Sublessor to terminate the Prime Lease, Sublessee shall be
entitled to terminate the Sublease. Sublessor shall cause the Subleased Premises
to be submetered for electricity at Sublessor's expense, and Sublessee shall pay
electricity costs directly to the utility company.

25.  Sublessee's Obligations and Sublessor's Right to Perform Sublessee's
     --------------------------------------------------------------------
     Obligations
     -----------

Subject to the terms of this Sublease, Sublessee, with respect to the Subleased
Premises, will duly and faithfully observe all the applicable terms and
restrictions and perform all the applicable obligations imposed on Sublessor as
tenant under the Prime Lease. Sublessor shall have the right (but not the
obligation) to take any and all applicable actions required to be taken by
Sublessee pursuant to the provisions hereof or the Prime Lease, but not timely
taken by Sublessee, which may be necessary to prevent a default under or to
assure complete compliance with the terms of this Sublease or the Prime Lease.
All costs and expenses reasonably incurred by Sublessor, including, but not
limited to, counsel fees, for any actions taken pursuant to this Article 25
shall be payable by Sublessee, as additional rent, within five (5) days after
delivery of a statement of any such costs to Sublessee.

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<PAGE>

26.  Not to Cause Default
     --------------------

Neither Sublessor nor Sublessee shall do or permit anything to be done which
would cause the Prime Lease to be terminated or forfeited by reason of any
right of termination or forfeiture reserved or vested in the Prime Landlord
under the Prime Lease, and each party shall indemnify and hold the other party
harmless from and against all claims of any kind whatsoever by reason of any
breach or default on the part of the indemnifying party by reason of which the
Prime Lease may be terminated or forfeited. Furthermore, in no event shall
Sublessee be liable to both Sublessor and the Prime Landlord for damages,
arising from the same breach, default or holdover, and Sublessor shall indemnify
and hold Sublessee harmless from and against any claims the Prime Landlord to
the extent the same have been paid by Sublessee to Sublessor. The indemnities in
this Section 26 shall be applicable to Sublessee's liabilities in the event of
an exercise by Prime Landlord of Prime Landlord's rights under Section 5(b) of
that certain Consent to Sublease Agreement by and among Sublessor, Sublessee and
Prime Landlord.

27.  Waiver
     ------

Failure of either party to insist upon the strict performance of any of the
terms or conditions herein shall not constitute a waiver of such party's rights
to thereafter enforce such terms and conditions.

28.  Arbitration
     -----------

All disputes and other matters in question between Sublessor and Sublessee shall
be decided by arbitration in accordance with the applicable rules of the
American Arbitration Association. The foregoing agreement to arbitrate shall be
enforceable under the prevailing arbitration law. The award rendered by the
arbitrators shall be final, and judgment may be entered upon it in accordance
with applicable law in any court having jurisdiction thereof. Arbitration shall
be the exclusive method of resolving disputes and other matters in question
between Sublessor and Sublessee, unless the parties shall otherwise agree in
writing.

29.  Authority to Bind Parties
     -------------------------

The individuals signing this Sublease on behalf of Sublessor and Sublessee
hereby represent and warrant that they are empowered and duly authorized to bind
the respective parties to this Sublease.

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<PAGE>

30.  Brokers
     -------

Sublessee covenants, warrants, and represents that it has not dealt with any
broker in connection with this Sublease other than Julien J. Studley, Inc. (the
"Brokers"), and Sublessor agrees to pay the commission of the Broker in
accordance with a separate agreement. The Parties agree to indemnify and hold
each other harmless from any and all liability, damage, costs, expenses and fees
(including attorneys' fees) which either may incur or be required to pay as a
result of the other's dealings with any other broker.

31.  Rights Cumulative
     -----------------

All rights and remedies of Sublessor under this Sublease shall be cumulative,
and none shall exclude any other rights and remedies allowed by law.

32.  Governing Law
     -------------

This Sublease shall be governed by and construed in accordance with the laws of
the State of Illinois.

33.  Full Negotiation
     ----------------

This Sublease, although drafted by Sublessor, is the result of extensive
negotiations between Sublessor and Sublessee and their respective counsel and,
therefore, shall be interpreted and construed only by the contents hereof, and
there shall be no presumption or standard of construction in favor of or against
either Sublessor or Sublessee.

34.  Changes in Writing
     ------------------

This Sublease cannot be changed or terminated orally, but only by an instrument
in writing executed by Sublessor and Sublessee.

35.  Partial Payment
     ---------------

No payment by Sublessee or receipt by Sublessor of a lesser amount than the
correct Base Rent due hereunder shall be deemed to be other than a payment on
account, nor shall any endorsement or statement on any check or letter
accompanying any check or payment be deemed to effect or evidence an accord and
satisfaction, and Sublessor may accept such check or payment without prejudice
to Sublessor's right to recover the balance or pursue any other remedy in this
Sublease or at law provided.

36.  Partial Invalidity
     ------------------

If any one of the provisions of this Sublease, or the application thereof to any
person or circumstance, shall, to any extent, be invalid or unenforceable, the
parties shall incorporate in this Sublease a lawful clause with similar and
equivalent economic consequences so that the respective rights and obligations
of the

                                       11
<PAGE>

parties shall be maintained. Further, the remainder of this Sublease, or the
application of such provision or provisions to persons or circumstances other
than those to whom or which it is held invalid or unenforceable, shall not be
affected thereby, and every provision of this Sublease shall be valid and
enforceable to the fullest extent permitted by law.

37.  No Offer
     --------

This Sublease is transmitted for examination only and does not constitute an
offer to lease. This Sublease shall not be binding on either Party in any way
unless and until it is duly executed and unconditionally delivered by both
Parties and the Prime Landlord.

IN WITNESS WHEREOF, the Parties hereto have caused this Sublease to be signed
and sealed as of the day and year first above written.

                                             INSURANCE COMPANY OF NORTH AMERICA
                                                                      Sublessor

                                             By:/s/ Arthur Kaempffe
                                                ---------------------------

                                             Date: 7-1-98
                                                  -------------------------

                                             INTERACTIVE COUPON MARKETING GROUP,
                                             INC.
                                                                       Sublessee
                                             By:/s/ Hillel Levin
                                                ---------------------------

                                             Date: 6-30-98
                                                  -------------------------

                                       12<PAGE>

                                                                   EXHIBIT 10.12

                       MARKET SURVEY PANELIST AGREEMENT

          THIS MARKET SURVEY PANELIST AGREEMENT (the "Agreement") is entered
into as of the 25th day of October, 1999 (the "Effective Date"), by and
between NFO Research, Inc., a Delaware corporation ("NFO"), and coolsavings.com
inc., a Michigan corporation ("CoolSavings").

          WHEREAS, NFO is in the business of designing, providing and conducting
consumer market surveys, research and related services; and

          WHEREAS, CoolSavings is in the business of operating an Internet
website devoted to providing its clients with a medium in which to market
certain products, services and promotions and incentives related thereto; and

          WHEREAS, NFO is willing to enter into such an arrangement with
CoolSavings upon the terms and conditions hereinafter specified.

          NOW, THEREFORE, in consideration of the premises, agreements,
covenants and conditions herein contained, it is hereby agreed as follows:

     1.   OBLIGATIONS AND RIGHTS WITH RESPECT TO INTERNET WEBSITE
          -------------------------------------------------------

          (a) CoolSavings shall design, create, provide and post on its Internet
website and market to its member base an offer to be a panelist for NFO for
purposes of conducting consumer market surveys. Such offer shall be placed on
CoolSavings' Internet website. CoolSavings shall use its reasonable best efforts
to recruit its member base to become panelists for NFO by utilizing its Internet
website and targeted e-mails. The market survey panel (the "Panel") shall
consist of a total of 75,000 households from the CoolSavings member base, 25,000
of whom shall be a specialized "Mothers of Babies" panel.

          (b) CoolSavings shall offer an incentive to the first five thousand
(5,000) of its members who enroll as a panelist for NFO. Prior to such offer,
NFO and CoolSavings shall mutually agree upon the incentive to be offered. NFO
agrees to reimburse CoolSavings for the cost of providing such incentive in the
amount of $3 per enrolled panelist or a total cost of $15,000.

          (c) CoolSavings shall offer an incentive to the next seventy thousand
(70,000) of its members who enroll as a panelist for NFO. Prior to such offer,
NFO and CoolSavings shall mutually agree upon the incentive to be offered. The
costs of providing such incentive shall be solely borne by CoolSavings.

          (d) An individual shall be considered to be an "enrolled panelist" for
NFO at the time that they fully complete a profiling recruitment survey at the
NFO Internet website and have met all qualifications as determined by NFO from
time to time.
<PAGE>

          (e) CoolSavings shall design, create, provide and post on its Internet
website an area where a prospective NFO panelist can fill out profiling
information and submit the same to CoolSavings. An individual shall be
considered a "recruited prospect" at the time they fully complete profiling
information at CoolSavings' Internet website.  Upon receipt of the recruited
prospect's profiling information, CoolSavings shall send to the recruited
prospect an e-mail which shall contain a URL link to the NFO Internet website
where the recruited prospect shall complete a profiling recruitment survey.

          (f) CoolSavings shall have the right to review, inspect and approve
the profiling recruitment survey utilized by NFO at its Internet website at a
time and place mutually agreeable to CoolSavings and NFO.

          (g) Individual identifier information will not be collected by NFO,
and CoolSavings shall retain the panelist's individual identifier information.

          (h) NFO and CoolSavings shall mutually agree upon a privacy policy
with regard to the questionnaires utilized by NFO in collecting survey data from
CoolSavings' member base.

          (i) Upon reasonable advance notice to NFO, CoolSavings shall have the
right to review and inspect, on a quarterly basis, a listing of project numbers
maintained by NFO, the number of completed surveys conducted by NFO and the
field revenue obtained per each completed survey conducted by NFO utilizing the
Panel. A "completed survey" shall be defined as the survey provided by NFO to
the enrolled panelist at NFO's Internet website and completed by the enrolled
panelist in accordance with the requirements and qualifications established by
NFO from time to time.

          (j) CoolSavings will contact (by any means) and use the Panel or any
member thereof for market research in accordance with such standards maintained
from time to time by NFO and communicated to CoolSavings which shall govern,
among other things, the frequency of contact for market research, availability
for surveys (by NFO and others), survey questionnaire design, data response
quality, cooperation rates, and other items intended to promote the integrity of
research results and goodwill and rapport between NFO, its panelists and its
clients. CoolSavings shall cooperate fully with NFO so as to provide NFO
representatives with all information and access to personnel, property, books,
and records to facilitate an investigation reasonably necessary to ensure such
standards. The preceding sentences shall not be construed to require a violation
of CoolSavings' violation of CoolSavings' privacy policy. In addition, to meet
current marketplace timing expectations when a request for survey contact with
panelists to complete a survey is placed by NFO, CoolSavings will alert selected
respondents within 8 hours (during standard work days) of receipt of such
request. NFO represents, covenants and agrees that it will use its commercially
reasonable best efforts to give CoolSavings advance notice of a request for
survey contact with prospective panelists. Upon receipt of such notice,
CoolSavings represents, covenants and agrees that it will use its commercially
reasonable best efforts to contact its members for purposes of recruiting them
to become panelists for NFO.

          (k) NFO shall retain the sole and exclusive right to all market survey
data obtained through its own Internet website.

                                       2
<PAGE>

          (l) During the Term of this Agreement (defined below), CoolSavings
represents, covenants and agrees that upon NFO obtaining its approved 75,000
member Panel, NFO shall maintain the exclusive right to direct its consumer
market surveys and/or consumer-related research to the Panel and neither
CoolSavings nor any third party consumer survey, marketing or research company
shall make use of such Panel for consumer market surveys and/or consumer-related
research. CoolSavings shall maintain the right to contract with any third party
consumer survey, marketing, or research company for the purpose of accessing the
remaining members of CoolSavings' member base for purposes of conducting
consumer market surveys and/or consumer-related research.

          (m) CoolSavings represents covenants and agrees that it will not enter
into an agreement or contract with any third party consumer survey, marketing or
research company whereby CoolSavings would permit such third party consumer
survey, marketing or research company to construct a panel of members from
CoolSavings' member base for the purpose(s) of conducting consumer market
surveys and/or consumer-related research during the Term hereof.

     2.   TERM
          ----

          This Agreement shall commence on the Effective Date set forth above
and shall continue in force for a period of twelve (12) months (the "Term").

     3.   COMPENSATION
          ------------

          In exchange for the performance of the obligations defined herein, NFO
and CoolSavings agree as follows:

          (a) NFO will pay CoolSavings $1.00 for each member, up to 50,000
members, of CoolSavings' member base who becomes enrolled as an NFO panelist.
Upon the assembly of 50,000 members of the Panel, NFO will pay to CoolSavings
the sum of $50,000. For the next 25,000 members of the CoolSavings member base
who become enrolled as an NFO panelist, NFO will pay to CoolSavings $2.00 for
each such enrolled panelist. Such compensation shall be paid by NFO to
CoolSavings on a monthly basis.

          (b) For each NFO market research survey conducted with this panel over
CoolSavings' Internet site, NFO shall pay CoolSavings the following:

              (i)     $.50 per enrolled panelist for every completed survey for
                      which NFO receives from its customer at least $8.00.

               (ii)   $.90 per enrolled panelist for every completed survey for
                      which NFO receives from its customer at least $15.00.

               (iii)  An amount between $.50 and $.90 per enrolled panelist for
                      every completed survey determined by a linear increase
                      based upon the amount between $8.00 and $15.00 that NFO
                      receives from its customer.

                                       3
<PAGE>

          For purposes of the above, the amount received by NFO from its
customer shall be limited to the amount received for the performance of field
work in gathering the survey data consisting of development of the survey
questionnaire and data collection. Amounts received by NFO for all other work in
connection with the survey including, but not limited, to compensation for data
analysis will not be considered. NFO represents, covenants and agrees that it
shall act in good faith in determining the aforementioned amounts.

          (c) NFO agrees that it will not use the Panel on syndicated surveys.

     4.   INTERRUPTION OF NORMAL OPERATIONS
          ---------------------------------

          If CoolSavings' Internet website ceases to operate, for any reason,
for a period of five (5) consecutive days, CoolSavings shall immediately notify
NFO, and NFO shall have the option to terminate the Agreement immediately. Upon
such termination, CoolSavings shall be entitled to compensation accrued but
unpaid as of the date of termination.

     5.   WARRANTY/RIGHTS TO CONTENT
          --------------------------

          Both CoolSavings and NFO represent and warrant that all rights in and
to the content provided by either party for display on their respective Internet
websites pursuant to this Agreement, including any and all elements thereof,
will be either owned by the provider or lawfully licensed or granted to the
provider and shall not violate or interfere with the rights, of any nature
whatsoever, of any person, firm, corporation or third party, including, without
limitation, any contractual, patent, trademark, copyright, trade secret, or
other property or proprietary right or right with respect to privacy, publicity,
name, image or likeness, unfair competition, defamation, libel, slander or any
other right or claim of any kind.

     6.   RESERVATION OF RIGHTS
          ---------------------

          The parties acknowledge and agree that (1) each party's trademark,
copyright, trade secret and property or proprietary rights ("Intellectual
Property") are and shall remain the sole property of that party; (2) nothing in
this Agreement shall convey to either party any right of ownership in the other
party's Intellectual Property rights; (3) neither party shall now or in the
future contest the validity of the other party's Intellectual Property rights;
and (4) neither party shall in any manner take any action that would impair the
value of, or goodwill associated with, such Intellectual Property rights.

     7.   PROTECTION OF CONFIDENTIAL INFORMATION
          --------------------------------------

          (a) CONFIDENTIAL INFORMATION. For purposes of this Agreement, the term
              ------------------------
"Confidential Information" shall mean any and all information, proprietary or
otherwise, that is not generally known or that: (i) is obtained by CoolSavings
from NFO or obtained by NFO from CoolSavings during the Term hereof and (ii)
related directly or indirectly to the business or assets of NFO or CoolSavings.
The term "Confidential Information" shall include, but shall not be limited to,
any and all materials, questionnaires, products, technologies, processes,
functions, methods, conversion rates or other site statistics, inventions,
discoveries,

                                       4
<PAGE>

developments, strategies, specifications, trade secrets, information, know-how,
designs, routines, structures, research and development, marketing and business
plans or processes, lists of clients or panelists and any information related
thereto, financial data and information, reports, and any other information of
any kind relating to NFO or CoolSavings that either NFO or CoolSavings provides,
delivers to or informs the other party, or that such other party should
reasonably know by virtue of this Agreement, is to be kept confidential.

          (b) OBLIGATION OF CONFIDENTIALITY. During the Term of this Agreement,
              -----------------------------
and at all times thereafter, CoolSavings and NFO agree that they will not
disclose to any person, firm, corporation, company, association, group or other
entity, or use for their own benefit or for the benefit of anyone other than
each other, any Confidential Information, whether or not developed by NFO or
CoolSavings, except as otherwise required by law and/or in the lawful
performance of their obligations to each other hereunder.

     8.   DUTY UPON TERMINATION
          ---------------------

          Upon termination of their  relationship or this Agreement, for any
reason, or at any time upon request of NFO or CoolSavings, CoolSavings and NFO
agree to immediately deliver to each other any and all materials that contain
Confidential Information or that are otherwise the property of NFO or
CoolSavings or any of NFO's or CoolSavings' licensors, customers, affiliates,
agents or representatives. Upon such termination, CoolSavings shall be entitled
to compensation accrued but unpaid as of the date of termination.

     9.   LIMITATION OF DAMAGES
          ---------------------

          NOTWITHSTANDING ANY OTHER PROVISION HEREOF TO THE CONTRARY, NEITHER
PARTY SHALL BE LIABLE TO THE OTHER FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR
CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUES OR LOSS
OF PROFITS, EVEN IF THAT PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES. THIS LIMITATION SHALL APPLY TO ANY CLAIM OR CAUSE OF ACTION WHETHER IN
CONTRACT OR TORT, STRICT LIABILITY OR BREACH OF WARRANTY.

          THE PARTIES ACKNOWLEDGE THAT THIS SECTION 9 HAS BEEN INCLUDED AS A
MATERIAL INDUCEMENT FOR EACH PARTY TO ENTER INTO THIS AGREEMENT AND THAT ALL
PARTIES WOULD NOT HAVE ENTERED INTO THIS AGREEMENT, BUT FOR THE LIMITATIONS OF
LIABILITY AS SET FORTH HEREIN.

     10   INDEMNIFICATION
          ---------------

          10.1 By CoolSavings.  CoolSavings agrees to protect, defend,
               --------------
indemnify, and hold harmless NFO, its agents, employees, subsidiaries,
affiliates, successors and assigns from and against any lawsuit, claim, demand,
investigation, governmental action, damages, settlement, penalty, order,
judgment, liability, costs and expenses (including reasonable attorneys' fees)
arising out of, or in connection with

                                       5
<PAGE>

          (a) any third party claim, suit or proceeding and any settlement
thereof (including reasonable fees of attorneys and related costs) to the extent
based on a claim that CoolSavings infringed upon the patent, copyright,
trademark, trade secret or other proprietary right of a third party;

          (b) the intentional or grossly negligent act(s) or omission(s) of
CoolSavings or its officers, directors, employees, contractors or agents in the
course of the performance of CoolSavings' duties and obligations under this
Agreement;

          (c) the failure of CoolSavings or its officers, directors, employees,
contractors or agents, as the case may be, to comply with the terms of this
Agreement; or

          (d) the failure of CoolSavings (including, without limitation, its
officers, directors, employees, contractors or agents who perform on behalf of
CoolSavings hereunder) to comply with its obligations under any and all laws,
rules or regulations applicable to CoolSavings.

     10.2 By NFO. NFO agrees to protect, defend, indemnify, and hold harmless
          ------
CoolSavings, its agents, employees, subsidiaries, affiliates, successors and
assigns from and against any lawsuit, claim, demand, investigation, governmental
action, damages, settlement, penalty, order, judgment, liability, costs and
expenses (including reasonable attorneys' fees) arising out of, or in connection
with:

          (a) any third party claim, suit, or proceeding and any settlement
thereof (including reasonable fees of attorneys and related costs), to the
extent based on a claim that NFO infringed upon the patent, copyright,
trademark, trade secret or other proprietary right of a third party;

          (b) the intentional or grossly negligent act(s) or omission(s) of NFO
or its officers, directors, employees, contractors or agents in the course of
the performance of NFOs' duties and obligations under this Agreement;

          (c) the failure of NFO or its officers, directors, employees,
contractors or agents, as the case may be, to comply with the terms of this
Agreement; or

          (d) the failure of NFO (including, without limitation, its officers,
directors, employees, contractors or agents who perform on behalf of NFO
hereunder) to comply with its obligations under any and all laws, rules, or
regulations applicable to NFO.

     11.  INDEMNIFICATION PROCEDURE
          -------------------------

          If any action shall be brought against either party in respect of
which indemnity may be sought from the other party pursuant to the provisions of
Section 10 of this Agreement ("Claim"), the indemnified party shall promptly
notify the indemnifying party in writing, specifying the nature of the Claim and
the total monetary amount or other relief sought. The indemnified party shall
cooperate with the indemnifying party at the indemnifying party's

                                       6
<PAGE>

expense in all reasonable respects in connection with the defense of the Claim
if by a third party. If the Claim from a third party is solely for monetary
damages or a claim of infringement, the indemnifying party shall, upon written
notice to the indemnified party, undertake the defense or settlement of the
Claim. In all other instances, the indemnified party, upon written notice to the
indemnifying party, may undertake the defense or settlement of the Claim. In the
event the indemnified party undertakes the defense or settlement of the Claim,
the indemnifying party shall have the right to employ separate counsel at its
own expense and participate in the defense of the claim. The indemnifying party
shall reimburse the indemnified party upon demand following a judgment of a
court of competent jurisdiction or pursuant to a bona fide compromise or
settlement of claims, demands or actions and shall reimburse the indemnified
party upon demand for any payments of attorneys' fees and related expenses made
by the indemnified party. A party's failure to give timely notice or to provide
copies of documents or to furnish relevant data in connection with any claim for
indemnification shall not constitute a defense (in part or in whole) to any
claim for indemnification for such party, except and only to the extent that
such failure shall result in any prejudice to the indemnifying party any such
compromise or settlement of a Claim must be approved by the indemnifying party
and by the indemnified party, which approval shall not be unreasonably withheld.

     12.  INDEPENDENT CONTRACTOR
          ----------------------

          It is agreed and understood that the relationship of the parties
hereto is that of independent contractors and neither party shall be deemed to
be an agent for or have the ability to contractually bind the other party.

     13.  NOTICES
          -------

          Any notice given or required under this Agreement shall be in writing
and transmitted by personal delivery, nationally recognized overnight courier or
facsimile, addressed to the party to whom the notice is given. Until changed by
proper notice, NFO's address shall be NFO Reasearch Inc. and CoolSavings
address shall be 2700 Oregon Rd., Northwind OH 43619.

     14.  ASSIGNMENT OF RIGHTS
          --------------------

          Neither party shall sell, transfer or assign this Agreement or any of
its rights, interests or obligations hereunder, unless such transfer is in
connection with the sale of substantially all of the assets and business of such
party, and then only if the transferee agrees to assume all of the transferor's
obligations hereunder, and such transferee tenders to the other party an express
written acknowledgment of such other party's rights herein, signed by the
proposed transferee, and in a form reasonable acceptable to the other party
hereto.

     15.  VIVAL OF CERTAIN PROVISIONS
          ------------------------------

          The warranties, confidentiality and non-disclosure obligations set
forth in this Agreement shall survive the termination of this Agreement by
either party for any reason.

                                       7
<PAGE>

     16.  ENTIRE AGREEMENT
          ----------------

          This Agreement constitutes the entire agreement between the parties
with regard to the matters set forth herein, and it supersedes all other
agreements, proposals and representations, oral or written, express or implied,
with regard thereto, and may not be modified except by an instrument in writing
signed by the parties hereto.

     17.  WAIVER
          ------

          No waiver shall be implied by the conduct of the parties. To be
effective, a waiver must be in writing and be signed by the party to be charged.
A waiver of any breach of any party of any term or provision of this Agreement
shall not constitute a waiver of any subsequent breach.

     18.  SEVERABILITY
          ------------

          The invalidity or enforceability of any provision of this Agreement
shall not affect the validity or enforceability of any other provision of this
Agreement, which shall remain in full force and effect.

    19.   GOVERNING LAW
          -------------

          This Agreement shall be governed by the laws of the State of Ohio with
respect to its conflict of law principles.

        [THE REMAINDER OF THIS PAGE HAS BEEN INTENTIONALLY LEFT BLANK]

                                       8
<PAGE>

     IN WITNESS WHEREOF, the parties have caused this Agreement to be executed
by their duly authorized representatives as of the date first written above.

                                    NFO RESEARCH, INC.

                                    By: /s/ John V. Pering
                                        --------------------------------

                                         Its: Vice President & CFO
                                              --------------------------

                                    coolsavings.com inc.

                                    By:  /s/ Steven M. Golden
                                         -------------------------------

                                         Its:  CEO & President
                                               -------------------------

                                       9

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