Document:

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                                                               Exhibit 10.28

                                           TATUM CFO
                                        PARTNERS, L.L.P.

                                  REVISED RETAINER AGREEMENT

This Revised Agreement, entered into as of July 15, 1999 by Delphi
Information Systems, Inc. (the "Company"), Tatum CFO Partners, LLP
("Tatum") and Richard J. Baum ("the CFO") (collectively, the "parties"),
replaces the Agreement previously entered into between the Company, the
CFO, and Tatum as of June 15, 1999.

WHEREAS, the Company wishes to engage the CFO to provide certain services and
Tatum wishes that the CFO provide such services in return for certain
consideration; the parties after full and careful negotiation agree as
follows:

I.   SERVICES; FEES AND PAYMENTS
A.   Beginning the Effective Date, the CFO will perform, with the title
     Acting Chief Financial Officer, CFO Services as set forth in Section II
     for a total monthly fee of $17,500 (the "Monthly Fee").
B.   The CFO will provide CFO Services for 5 days per week.
C.   The Company will pay the CFO directly according the Company's normal
     payroll process a portion of the Monthly Fee equal to $14,593.33 (the
     "Salary"); and will pay Tatum the remaining portion of $2,916.67
     ("Retainer Fee").
D.   If this Agreement commences or concludes in the middle of a month, each
     portion of the Monthly Fee shall be prorated for that month.
E.   The Company also will pay Tatum the incentive bonus set forth in Schedule
     A.
F.   The Company will also provide Tatum stock options in accordance with the
     attached Schedule B.
G.   The Company will pay all amounts owed Tatum no later than the 15th day of
     the month for which amounts are invoiced.
H.   The Company will promptly reimburse the CFO for travel and out-of-pocket
     business expenses.
I.   In the case that the CFO provides CFO Services in excess of 5 days per
     week, the Company will pay an additional $1,057.95 daily fee (the
     "Additional Daily Fee").
J.   The Company will pay the CFO directly according the Company's normal
     payroll process 83.33% of the Additional Daily Fee (the "Additional
     Salary"), and will pay Tatum the remaining 16.67% portion ("Additional
     Retainer Fee").
K.   In the event this Agreement is canceled prior to September 15, 1999, an
     additional fee will be paid sufficient to adjust the aggregate prior and
     prospective Monthly Fees to an amount equal to $1,200 per day (the "Early
     Termination Fee").
L.   The Company will pay the CFO directly according the Company's normal
     payroll process 83.33% of the Early Termination Fee, and will pay Tatum
     the remaining 16.67% portion.

II. CFO SERVICES
A.   CFO Services is defined as those certain services as specified and
     directed by the Company from time to time and which the CFO is able to
     perform within the time allotted under this agreement.
B.   CFO Services will never exceed the traditional scope of services of the
     chief financial officer.

III. THE RELATIONSHIP OF THE CFO AND THE COMPANY
A.   The Company, Tatum and the CFO agree that the CFO will be an employee of
     the Company.
B.   As an employee of the Company, the CFO will work under the exclusive
     management and authority of the Company.
C.   The CFO will serve the Company as an officer of the Company, upon
     election by its Board of Directors, to take effect upon receipt by the CFO
     and Tatum of written evidence that the CFO as an officer is covered by
     director and officer insurance maintained by the Company at no additional
     cost to the CFO or Tatum.

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D.   The CFO may sign federal or state securities filing, and representations
     and warranties on behalf of the Company after such date as the CFO
     receives satisfactory written evidence that in signing such filings he is
     covered by applicable insurance (whether director and officer insurance or
     a special policy) maintained by the Company at no additional cost to the
     CFO or Tatum CFO. (Note that the election to sign securities filings can
     also be done by later amendment to agreement.)
E.   The CFO will be eligible for vacation and holidays consistent with the
     Company's policy as it applies to senior management, except that any
     initial delay period will not apply.
F.   The CFO elects not to participate in the Company's employment retirement
     plan or any other employee benefit plan, and waives any coverage that may
     otherwise exist. The Company will not include the CFO as participant in
     any such plan, unless required to do so by law for plan qualification.
     However, notwithstanding the foregoing, the CFO may participate (without
     Company matching payments) in the Company's 401(k) plan, if such a plan
     is provided.
G.   The CFO waives any past or present claim it may have against the Company
     for any discrimination.

IV. THE RELATIONSHIP OF TATUM AND THE COMPANY
A.   The Company, Tatum and the CFO agree that for purposes of this Agreement,
     Tatum's relationship with the Company is to make the CFO available to the
     Company to provide CFO services. However, the Company is solely responsible
     for its evaluation, management and use of the CFO and the CFO Services.

V.   THE RELATIONSHIP OF TATUM AND THE CFO
A.   The Company, Tatum and the CFO agree that for purposes of this Agreement,
     Tatum's relationship with the CFO is to make available to the CFO certain
     resources of Tatum. These resources are not warranted or guaranteed in any
     way and the Company is solely responsible for its evaluation, management
     and use of these resources.

VI. STANDARD DISCLAIMERS
A.   Neither Tatum nor the CFO will be liable for Y2K related losses, costs,
     damages or expenses.
B.   Tatum will not be liable for any non-compliance with federal, state or
     local laws or regulations.
C.   The Company agrees that reports, projections and/or forecasts can be
     prepared only at the Company's direction and reflect the judgment of the
     Company. Tatum makes no representation or warranty as to the accuracy or
     reliability of reports, projections and/or forecasts; and will not be
     held liable for any claims of reliance on such reports, projections
     and/or forecasts.

VII. INDEMNITY; JOINT DEFENSE; LIABILITY LIMITATIONS; ARBITRATION; INSURANCE
A.   The Company agrees to indemnify Tatum to the full extent permitted by law
     for any losses, costs, damages and expenses, including attorneys' fees, as
     such are incurred, in connection with (1) any cause of action, suit or
     other proceeding arising in connection with Tatum's engagement by the
     Company under this Agreement, the CFO's employment with the Company or the
     CFO's activities while employed by the Company, and (2) any legal
     proceeding in which Tatum may be required or agree to participate, but in
     which Tatum is not a party. This indemnification does not apply to actions
     taken by Tatum in bad faith.
B.   If the Company and Tatum are defendants in any action, suit, or other
     proceeding, the defense of Tatum will be represented by counsel selected
     by Tatum.
C.   The Company and Tatum agree to binding arbitration under the rules of the
     American Arbitration Association ("AAA"), to take place in the AAA's
     Atlanta office, if any dispute arises between them.
D.   The Parties recognize and agree that any breach by Tatum of this Agreement
     would result in injury that would be impossible to accurately ascertain.
     Therefore, Tatum shall pay to the Company as liquidated damages, and not
     as a penalty, an amount equal to two full months of Retainer Fee. The
     parties agree that this amount of liquidated damages represents a
     reasonable approximation of the damages that would be incurred as a result
     of a breach by Tatum of this Agreement.
E.   In any event, at any time, Tatum may pay a sum equal to the total Retainer
     Fee paid under this Agreement for the most recent four months, which
     payment the Company agrees shall serve as final satisfaction and accord
     for any and all such liabilities of Tatum under this Agreement.
F.   As a precondition for recovery of any alleged liability, the Company shall
     give Tatum notice, in writing, the alleged basis for liability within
     thirty (30) days of discovering the circumstances giving

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     rise to such alleged liability, and no legal or other action shall be
     taken by the Company against Tatum more than (60) days after such notice
     has been given or (ii) less than thirty (30) days after such notice has
     been given, in order that Tatum shall have the opportunity to investigate
     in a timely manner and, where possible, correct of rectify the alleged
     basis for liability.
G.   Tatum will not be liable in any event for incidental or consequential
     damages including without limitation any interruption of business or loss
     of business, profit, or good will.
H.   To the extent the Company has directors' and officers' liability insurance
     ("including entity coverage") and/or errors and omissions liability
     insurance in effect, the Company will provide such insurance coverage for
     the CFO.

VIII. GENERAL TERMS AND CONDITIONS
A.   Subject to the payment of any applicable Early Termination Fee, this
     Agreement may be canceled by either party effective on no less than 30
     days' advance written notice. However, Tatum retains the right to
     terminate this agreement immediately if the Company has not remained
     current with its obligations to Tatum under this Agreement, the Company
     is not in compliance with any government regulatory entity, or by death or
     disability of the CFO.
B.   The provisions on the attached Schedule A are incorporated by reference as
     if set forth herein, and the provisions concerning the bonus in Schedule A
     will survive any cancellation of this Agreement.
C.   Neither the Company, Tatum nor the CFO shall be deemed to have waived any
     rights or remedies accruing under this Agreement unless such waiver is in
     writing and signed by the party electing to waive the right or remedy.
D.   This Agreement is governed by Illinois law.
E.   The terms of this Agreement are severable, and they may not be amended
     except in writing signed by the parties. This Agreement binds and benefits
     the successors of the parties.
F.   This Agreement contains the entire agreement between the parties,
     superseding any prior oral or written statements or agreements.
G.   The persons signing below are authorized to sign on behalf of each party,
     and their signatures are all necessary signatures.

TATUM CFO PARTNERS, LLP        The COMPANY                  The CFO

/s/ Dirk B. Landis             /s/ [Illegible]             /s/ Richard J. Baum
----------------------         -------------------        --------------------
Signature                      Signature                  Signature

                                  [Illegible]
Dirk B. Landis                 -------------------        Richard J. Baum
Area Limited Partner           Name and Title

As of July 15, 1999            As of July 15, 1999        As of July 15, 1999<PAGE>

(SUBLEASED PREMISES: 6,116 sq. ft. of office space located at: 1900 East Gulf
                     Road, Suite 1200, Schaumburg, Illinois 60173)

                               SUBLEASE AGREEMENT

     THIS SUBLEASE AGREEMENT ("Sublease") is entered into as of this 20th day of
April, 2000, by and between PHILIPS MEDICAL SYSTEMS NORTH AMERICA COMPANY, a
division of Philips Electronics North America Corporation, a Delaware
corporation ("Sublessor") with offices at 710 Bridgeport Avenue, Shelton,
Connecticut 06484 and EBIX.COM, INC., a Delaware corporation with offices at 5
Concourse Parkway, Suite 3200, Atlanta, Georgia ("Sublessee").

                            INTRODUCTORY STATEMENTS

A.   By a certain Lease Agreement dated September 26, 1996, amended by Rider 1:
Commencement Date Agreement and Rider 2: Additional Lease Provisions,
(collectively the "Prime Lease") by and between Metropolitan Life Insurance
Company (the "Prime Landlord"). Prime Landlord leased to Sublessor certain space
in the building known as 1900 East Golf Road, Schaumburg, Illinois 60173,
(hereinafter referred to as "the Building"). By Assignment of Lease
("Assignment") dated September 6, 1996, the Prime Lease was then purchased by
Great Lakes REIT, L.P., a Delaware limited partnership effective December 27,
1996. By way of such purchase, Great Lakes REIT, L.P. is referred hereafter as
"the Prime Landlord".

B.   Whereas Sublessor has agreed to sublet to Sublessee and Sublessee has
agreed to sublet from the Sublessor premises consisting of approximately 6,116
square feet of office space at 1900 East Golf Road, Suite 1200, Schaumburg,
Illinois ("the Subleased Premises").

C.   The parties desire to enter into this Sublease defining their respective
rights, duties and liabilities relating to the Subleased Premises (defined
below).

                              W I T N E S S E T H:

NOW THEREFORE, Sublessor and Sublessee, in consideration of the mutual promises
and covenants contained herein and other good and valuable consideration, the
receipt and sufficiency of which is hereby acknowledged, and each with intent to
be legally bound, for themselves and their respective successors and assigns,
agree as follows:

1.   DEFINITIONS

     All terms not expressly defined in this Sublease Agreement shall have the
     meanings given to them in the Prime Lease and floor plan (attached hereto
     as EXHIBIT A). The Subleased Premises are the Premises set forth in the
     Prime Lease.

2.   PRIME LANDLORD

     Sublessee agrees to look solely to Prime Landlord, and not to Sublessor,
     for the performance of all services and obligations of Prime Landlord under
     the Prime Lease with respect to the Subleased Premises. At Sublessee's
     expense and request, Sublessor will take all reasonable actions necessary
     to enable Sublessee to enforce the Sublessor's rights as Tenant under the
     Prime Lease with respect to the Subleased Premises.

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3.   SUBLEASE

     Sublessor, for and in consideration of the Sublessee's payment of rent and
     performance of the covenants contained in this Sublease, does hereby demise
     and lease the Subleased Premises to Sublessee.

4.   TERM

     The term of this Sublease (the "Term") shall be for a period of
     approximately 20 months commencing on April _, 2000, (the "Sublease
     Commencement Date") and ending no later than December 31, 2001. A
     Commencement Date Letter Agreement shall be signed to represent the first
     effective day the Sublease begins.

5.   RENT

     The monthly rent during the Term hereunder shall accrue at the fixed rate
     of Fifteen ($15.00) Dollars per rentable square foot (6,116 square feet).

     The monthly rent shall be payable in advance on the first day of each
     calendar month during the Term in monthly installments of Seven Thousand
     Six Hundred Forty Five ($7,645.00) Dollars. The monthly rent payable by
     Sublessee includes charges for operating expenses and real estate taxes and
     any other services being supplied to the Subleased Premises by the Prime
     Landlord.

     All Rent shall be payable at the office of the Sublessor at the following
     address:

             Philips Medical Systems North America Company
             710 Bridgeport Avenue
             Shelton, Connecticut 06484
             Attention: Mr. Don Slater, Finance Department

     or at such other address as directed by notice from Sublessor to
     Sublessee.

     Sublessee shall be responsible to pay any and all utility charges.

6.   PRIME LEASE

     A true copy of the Prime Lease (with certain financial provisions deleted
     for reasons of confidentiality) is attached hereto as EXHIBIT A. Where not
     expressly inconsistent with the terms hereof and except as otherwise stated
     herein to the contrary, this Sublease shall be subject and subordinate to
     all of the terms and conditions contained in the Prime Lease as said terms
     and conditions affect the Subleased Premises, and all of the terms and
     conditions of the Prime Lease, except as otherwise set forth herein, are
     hereby incorporated into this Sublease and shall be binding upon Sublessee
     with respect to the Subleased Premises to the same extent as if Sublessee
     were named as Tenant and Sublessor as Landlord under the Prime Lease.

     For purposes of this Sublease, references in the Prime Lease to the "term"
     shall mean the term of this Sublease and references to the "Premises" in
     the Prime Lease shall mean the Subleased Premises.

                                                                               2
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     Each party agrees that it shall not do or omit to do anything which would
     result in a default under the Prime Lease, and each party agrees to defend,
     indemnify and hold the other harmless from and against all claims, demands
     or liabilities resulting from such party's breach, violation or
     nonperformance of any of its obligations under the Prime Lease, as
     incorporated herein.

7.   SECURITY DEPOSIT

     Sublessee agrees to deposit with Sublessor an amount equal to four (4)
     months rent ($30,580.00) upon execution of this Sublease as security for
     Sublessee's faithful performance of Sublessee's obligations hereunder.
     Interest at a commercially reasonable rate shall be paid to Sublessee on a
     quarterly basis by Sublessor.

     If Sublessee fails to pay rent or other charges when due under this
     Sublease, or fails to perform any of its other obligations hereunder,
     Sublessor may use or apply all or any portion of the Security Deposit for
     the payment of any rent or other amount then due hereunder and unpaid, for
     the payment of any other sum for which Sublessor may become obligated by
     reason of Sublessee's default or breach. If Sublessor so uses any portion
     of the Security Deposit, Sublessee shall, within ten (10) days after
     written demand by Sublessor, restore the Security Deposit to the full
     amount originally deposited, and Sublessee's failure to do so shall
     constitute a default under this Sublease. In the event Sublessor assigns
     its interest in this Sublease, Sublessor shall deliver to its assignee so
     much of the Security Deposit as is then held by Sublessor. Within fifteen
     (15) days after the Term has expired, or Sublessee has vacated the
     Subleased Premises, and if any final adjustment pursuant to Articles Eight
     and Thirteen hereof of the Prime Lease have been made, whichever shall last
     occur, and provided Sublessee is not then in default of any of its
     obligations hereunder, the Security Deposit, or so much thereof as had not
     theretofore been applied by Sublessor, shall be returned to Sublessee or to
     the last assignee, if any, of Sublessee's interest hereunder.

8.   ALTERATIONS

     Sublessee shall not make any alterations, (structural or otherwise),
     improvements or installations in or to the Subleased Premises without the
     prior written consent of the Sublessor which shall not be unreasonably
     withheld or delayed. All alterations and improvements shall be subject to
     the terms and conditions of the Prime Lease, and in those instances, if
     required, shall be subject to the Prime Landlord's approval as provided in
     the Prime Lease. Any alterations, improvements or installations consented
     to by Sublessor shall be made by at the sole cost and expense of Sublessee.
     (SEE: EXHIBIT B DESCRIBING SUBLESSEE'S ALTERATIONS)

9.   REPAIRS AND ORDINARY MAINTENANCE

     Any repair and maintenance obligations with respect to the Subleased
     Premises, which pertains to Sublessee's particular manner of use and
     occupancy, as Tenant under the Prime Lease, shall be performed by Sublessee
     at Sublessee's sole cost and expense. Sublessee agrees that it will notify
     Sublessor promptly of the need for any repair to the Sublease Premises,
     even if Sublessor is not responsible for any such repair. Notwithstanding
     anything contained herein to the contrary, in the event that a condition
     exists in the Subleased Premises that the Prime Landlord is obligated to
     repair under the terms of the Prime Lease, Sublessee shall so advise
     Sublessor, and Sublessor, in turn, shall promptly advise Prime Landlord
     thereof. Sublessor shall have no liability to Sublessee for Prime
     Landlord's failure to make any such repair.

                                                                               3
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10.  UTILITIES AND SERVICES

     Sublessee shall be entitled to all those services and utilities which Prime
     Landlord is required to provide under the terms of the Prime Lease.
     Sublessee shall look solely to the Prime Landlord for the provision of such
     services and utilities, and Sublessor shall not be responsible for Prime
     Landlord's failure to provide the same nor shall any such failure
     constitute an abrogation of any other terms or conditions of this
     Sublease.

11.  ASSIGNMENT AND SUBLEASING

     Sublessee shall not have the right to assign this Sublease or sublet the
     Subleased Premises, in whole or in part without the prior written consent
     of Sublessor and Prime Landlord in their sole discretion.

12.  INSURANCE

     If Prime Landlord agrees to lower the combined single limit required under
     the CGL coverage to $2 million dollars, such reduction in the insurance
     requirement shall apply as Sublessee's insurance. If Prime Landlord does
     not agree to lower the combined single limit required under the CGL
     coverage, Sublessee agrees to comply with all of the insurance requirements
     and obligations of Sublessor as set forth in the Prime Lease in Article
     Sixteen and shall name both Sublessor and Prime Landlord as additional
     insureds on any required insurance policies.

13.  ARBITRATION

     Any controversy or claim arising out of or relating to this Lease, or the
     breach thereof, shall be settled by arbitration in accordance with the
     Arbitration Rules for the Real Estate Industry of the American Arbitration
     Association, and judgment upon the award rendered by the Arbitrator(s) may
     be entered in any Court having jurisdiction thereof. The arbitration
     proceeding shall take place in the state of Illinois. Notwithstanding any
     other provision of this Agreement, each party shall have the right, at any
     time after commencement of an arbitration proceeding hereunder and prior
     to entry of judgment on any award rendered hereunder, to apply to any
     court of competent jurisdiction for preliminary relief. Any costs incurred
     from such arbitration shall be paid equally by both parties.

14.  COMPLIANCE WITH LAWS

     Sublessee shall promptly comply with all statutes, ordinances, rules,
     orders, regulations and requirements of the Federal, State and municipal
     Governments and of any and all of their Departments and Bureaus applicable
     to the use and occupancy of the Subleased Premises by Sublessee.

     If Sublessee shall fail or neglect to comply with the aforesaid legal
     requirements, or if Sublessee shall fail or neglect to make any repairs
     required by the terms of this Sublease, then Sublessor or its agents may
     (but shall not be obligated to) with ten (10) days prior written notice to
     Sublessee (or less if required by law or emergency) enter the Subleased
     Premises and take such actions as necessary to cure the breach or condition
     and comply with any and all of the said legal requirements, at the cost and
     expense of Sublessee; and in case of Sublessee's failure to pay therefor,
     the said cost and expense shall be added to the next month's Rent and be
     due and payable as such.

15.  LIMITATIONS ON SUBLESSOR'S LIABILITY

     Sublessee acknowledges that Sublessor has made no representations or
     warranties with respect to the Building or the Subleased Premises except as
     provided in this Sublease and Sublessee accepts the Subleased Premises in
     "AS IS" condition.

                                                                               4
<PAGE>

     If Sublessor assigns its leasehold estate in the Building, Sublessor shall
     have no obligation to Sublessee that arises after that assignment.
     Sublessee shall then recognize Sublessor's assignee as Sublessor of this
     Sublease.

     Sublessor shall not be required to perform any of the covenants and
     obligations of the Prime Landlord under the Prime Lease, and insofar as any
     of the obligations of the Sublessor hereunder are required to be performed
     under the Prime Lease by the Prime Landlord thereunder, Sublessee shall
     rely on and look solely to the Prime Landlord for the performance thereof.

     Sublessor shall defend, indemnify and hold Sublessee harmless from claims
     by Prime Landlord arising from Sublessee's assumption of Sublessor's
     obligations as Tenant under the Prime Lease, to the extent that Sublessor
     has expressly retained with regard to Sublessee, those rights and
     obligations of Tenant under the Prime Lease. For any such claim, Sublessor
     shall defend or pay all reasonable costs, attorney's fees, expenses, and
     liabilities, or both.

     Any useable items of furniture that Sublessor leaves behind, after the
     start of this Sublease, are considered abandoned, and become the property
     of the Sublessee. All non-useable items of furniture that must be discarded
     become the responsibility of the Sublessee, to the extent that the
     Sublessee shall pay all costs associated with the removal or disposal of
     said items, subject to reimbursement by Sublessor.

     If the Prime Landlord shall default in the performance of any of its
     obligations under the Prime Lease or breach any provision of the Prime
     Lease pertaining to the Subleased Premises, Sublessee shall have the
     right, at Sublessee's expense and upon prior notice to Sublessor, and
     in the name of Sublessor to make any demand or institute any action or
     proceeding, in accordance with and not contrary to any provision of the
     Prime Lease, against the Prime Landlord under the Prime Lease for the
     enforcement of the Prime Landlord's obligations thereunder. Sublessee
     shall defend, indemnify and hold Sublessor harmless from and against
     any suit, action, cost, expense, damage or liability which arises out
     of or results from or is alleged to arise out of or result from
     Sublessee's exercise of its rights under this Paragraph.

16.  SUBORDINATION

     This Sublease shall be subject and subordinate to the Prime Lease, any
     ground lease and to any mortgage or deed of trust thereon or on the fee
     simple interest in the Building or the land on which the Building is
     located.

17.  CASUALTY AND CONDEMNATION

     If the Prime Lease is terminated with respect to the Subleased Premises
     pursuant to the provisions of the Prime Lease, this Sublease shall
     automatically terminate at the same time and Sublessee shall have no claim
     against Sublessor or Prime Landlord for the loss of its subleasehold
     interest or any of Sublessee's property.

     If Prime Lease is not terminated with respect to the Subleased Premises
     upon the occurrence of a casualty or condemnation, the provisions of the
     Prime Lease with respect to casualty or condemnation shall apply to this
     Sublease and the Subleased Premises.

                                                                               5
<PAGE>

18.  CONSENT OR APPROVAL FROM PRIME LANDLORD

     If the consent or approval of Prime Landlord is required under the Prime
     Lease with respect to any matter relating to the Subleased Premises,
     Sublessee shall be required first to obtain the consent or approval of
     Sublessor with respect thereto and, if Sublessor grants such consent or
     approval, Sublessor or Sublessee may forward a request for consent or
     approval to the Prime Landlord, but Sublessor shall not be responsible for
     obtaining such consent or approval. Sublessor shall have no liability to
     Sublessee for the failure of Prime Landlord to give its consent.

19.  NOTICES

     All notices given pursuant to the provisions of this Sublease shall be in
     writing, addressed to the party to whom notice is given and sent registered
     or certified mail, return receipt requested, in a postage paid envelope or
     by nationally recognized overnight delivery service as follows:

     TO SUBLESSEE:                TO SUBLESSOR:
     ebix.com, Inc.               Philips Medical Systems North America Company
     1900 East Golf Road          710 Bridgeport Avenue
     Suite 1200                   Shelton, Connecticut 06484
     Schaumburg, IL 60173         Attn: Law Department & Mr. Harvey Place, VP
     Attn: ______________________
                                  (with a copy to)

                                  Mr. Ken Mason
                                  Regional Vice President, Operations
                                  Philips Medical Systems North America Company
                                  1360 West Hamilton Parkway
                                  Itasca, IL 60143

     It is understood and agreed that unless specifically modified by this
     Sublease, Sublessor shall be entitled to the length of notice required to
     be given Prime Landlord under the Prime Lease plus five (5) days and shall
     be entitled to give Sublessee the amount of notice required to be given
     Tenant under the Prime Lease. All notices shall be deemed given pursuant to
     the terms of Article 24 herein. In no case will the five (5) additional
     days be used to prejudice the Sublessee's rights under the Prime Lease.

     Either party by notice to the other may change or add persons and places
     where notices are to be sent or delivered.

20.  BROKERS AND COMMISSION

     Sublessor and Sublessee each warrant that they have dealt with no other
     real estate broker in connection with this transaction except: Cushman &
     Wakefield, (who represents Sublessor), and Julien J. Studley, Inc., (who
     represents Sublessee).

     Upon execution of this Sublease, and executed consent thereto by Prime
     Landlord, Sublessor shall pay broker commissions in connection with this
     Sublease transaction as follows: (a) Cushman & Wakefield: 4% of the first
     year of rent received ($3,669.60) and 1.5% of the rent for the remaining
     term of the Sublease ($1,032.75); and (b) Julien J. Studley, Inc.: 8% of
     the first year of rent received ($7,339.20) and 3% of the rent received for
     the remaining term of the Sublease ($2,064.15).

                                                                               6
<PAGE>

21.  SUBLESSOR'S AND SUBLESSEE'S POWER TO EXECUTE

     Sublessor (subject to Prime Landlord's consent) and Sublessee covenant,
     warrant and represent that they have full power and proper authority to
     execute this Sublease.

22.  CONSENT TO SUBLEASE BY PRIME LANDLORD

     This Sublease shall not become operative until and unless the Prime
     Landlord has given to Sublessor its consent hereto. Sublessor shall not be
     responsible for Prime Landlord's failure to consent to this Sublease.
     Should Prime Landlord not consent to this Sublease, each party shall be
     released from all obligations with respect hereto and neither party shall
     have any further rights in law or in equity with respect to this Sublease.

23.  QUIET ENJOYMENT

     Provided Sublessee is not in material breach or default of the Sublease,
     Sublessee shall peaceably and quietly hold and enjoy the Subleased Premises
     against Sublessor and all persons claiming by, through or under Sublessor,
     for the Term hereof subject to the provisions and conditions of this
     Sublease.

24.  GOVERNING LAW

     This Sublease shall be governed and construed in accordance with the law of
     the State of Illinois, without regard to the principles of choice of law.

25.  ENTIRE AGREEMENT

     This Sublease (which includes each of the Exhibits attached hereto)
     contains the entire Agreement between the parties and all prior
     negotiations and agreements are merged into this Sublease. This Sublease
     may not be changed, modified, terminated or discharged, in whole or in
     part, nor any of its provisions waived except by a written instrument which
     (a) shall expressly refer to this Sublease and (b) shall be executed by the
     party against whom enforcement of the change, modification, termination,
     discharge or waiver shall be sought.

     IN WITNESS WHEREOF, the parties hereto have caused this Sublease to be
properly executed as of the day and year first above written.

SUBLESSOR:                              SUBLESSEE:

PHILIPS MEDICAL SYSTEMS                 EBIX.COM, INC.
NORTH AMERICA COMPANY
a division of Philips Electronics
North America Corporation

/s/ David J. Marlow                     /s/ R.J. Baum
------------------------------          ------------------------------------
David J. Marlow
Chief Financial Officer,
Vice President, Finance

Date                                    Date 4/20/00
    --------------------------              --------------------------------

/s/ Harvey Place
------------------------------
Harvey Place
Vice President, Operations

Date 4-7-00
    --------------------------

                                                                               7
<PAGE>

                     CONSENT TO SUBLEASE BY PRIME LANDLORD

Prime Landlord's signature (indicated below) shall serve as acceptance, consent
and approval of this Sublease Agreement, waiver of issues described in Article
10 of the Prime Lease with respect to this Sublease only and approval of
Sublessee's Alterations attached hereto as EXHIBIT B.

                                      PRIME LANDLORD:

                                      GREAT LAKES REIT, L.P.

                                      By: Great Lakes REIT, its general partner

                                      /s/ Kim S. Mills
                                      ----------------------------------
                                                  Kim S. Mills, RPA
                                      Title  Senior V.P., Leasing
                                           -----------------------------

                                      Date 4/20/00
                                          ------------------------------

                                                                               8
<PAGE>

                    (DESCRIPTION OF SUBLESSEE'S ALTERATIONS)

(A)  TELEPHONE INSTALLATION: Sublessee will be using Midwest Telecom, located in
     Michigan for its telephone installation. Some of the existing wiring may be
     useful, however, additional wire will need to be installed.

(B)  COMPUTER INSTALLATION: Sublessee will be using Lagare Enterprises, located
     in Illinois, in addition to its own technical staff for computer
     installation. Some existing wiring may be useful, however, additional wire
     may need to be installed.

(C)  CONSTRUCTION: Some minor work will need to be performed, and Sublessee will
     consider the Prime Landlord's suggestion regarding this. The following will
     need to be done:

               (1)  Removal of the back receptionist desk.

               (2)  Construction of a couple of short, divider walls to create
                    some additional workspace.

               (3)  Removal of the Philips sign, installation of an ebix.com,
                    Inc. sign, and painting and patching where needed.

                                                                               9

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