Document:

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                                                                    EXHIBIT 10.5

                            LEASE AMENDING AGREEMENT

THIS AGREEMENT is dated the 27th day of SEPTEMBER, 2002

BETWEEN:

                                 YCC LIMITED AND
                         LONDON LIFE INSURANCE COMPANY
                                (the "Landlord")

                                                               OF THE FIRST PART

                                    - and -

                      LOYALTY MANAGEMENT GROUP CANADA INC.
                                 (the "Tenant")

                                                              OF THE SECOND PART

WHEREAS:

A. By a lease dated the 28th day of MAY, 1997, (the "LEASE"), the Landlord
leased to the Tenant for and during a term of TEN (10) years commencing on the
1st DAY OF SEPTEMBER, 1997 and expiring on the 31st DAY OF AUGUST, 2007 certain
premises, (the "PREMISES"), comprising a Rentable Area of approximately
SEVENTY-THREE THOUSAND FIVE HUNDRED AND THIRTY-FOUR (73,534) square feet
located on the 2nd AND 3rd floors shown outlined in red on the plan attached to
the lease as Schedules "B-1" AND "B-2", located at 4110 YONGE STREET, (the
"Building"), in the City of TORONTO, in the Province of ONTARIO.

B. By an agreement dated the 19th day of June, 1997 (the "First Amending
Agreement"), made between the Landlord and the Tenant, the Lease was amended so
that the term of the Lease (the "Term") would commence on the 17th day of
September, 1997 and expire on the 16th day of September, 2007, and to further
amend the lease in accordance with terms and conditions more particularly set
out therein.

C. By an agreement dated the 15th day of January, 1998 (the "Second Lease
Amending Agreement"), the Landlord leased to the Tenant additional premises on
the 4th floor of the Building comprising: (i) a Rentable Area of approximately
18,000 square feet (the "First Additional Premises"); and (ii) a Rentable Area
of approximately 19,147 square feet (the "Special Refusal Space"), and to
further amend the Lease in accordance with terms and conditions more
particularly set out therein.

D. By an agreement dated the 14th day of April, 2000, the tenant exercised its
right of first refusal pursuant to Section 12.07 of the Lease and the Landlord
leased to the tenant additional premises comprising a Rentable Area of
approximately 15,168 square feet on the 5th floor of the Building (the "Second
Additional Premises") and to further amend the Lease in accordance with terms
and conditions more particularly set out therein.

E. By an agreement dated the 17th day of January, 2001, the Landlord and the
Tenant agreed to add Eleven Thousand Two Hundred and Ninety-Two (11,292) square
feet to the Premises on the 5th floor for a period from and including February
1, 2001 to and including September 16, 2007 and to further amend the Lease in
accordance with the terms and conditions set out therein.

F. By a lease amending agreement dated June 12, 2002, the Landlord and Tenant
agreed to add Schedule "F" to the Lease in order to accommodate the Tenant's
diesel generator, upon terms and conditions more particularly set out therein.

G. The Landlord and the Tenant have agreed to amend the Lease in accordance with
the terms and conditions hereinafter set forth.

NOW THEREFORE THIS AGREEMENT WITNESSETH that in consideration of the sum of Two
Dollars ($2.00) now paid by each of the Parties to the other (the receipt and
sufficiency whereof is hereby acknowledged), and other mutual covenants and
agreements, the Parties do hereby agree as follows:

1. The Parties hereby acknowledge, confirm and agree that the foregoing recitals
are true in substance and in fact.

                                     - 1 -
<PAGE>

2. The Lease is amended as of the 1st day of January, 2002, (the "Effective
Date"), as follows:

      a)    Section 1.01 of the Lease (Grant and Premises) (as amended by the
            Lease Amending Agreement dated January 17, 2001) is further amended
            by deleting the words and figures "Eleven Thousand Two Hundred and
            Ninety-Two (11,292) square feet" and inserting in their place the
            words and figures "Eleven Thousand, One Hundred and Fifty-Two
            (11,152) square feet".

      b)    Section 1.01 of the Lease (Grant and Premises) (as amended by the
            Lease Amending Agreement dated April 14, 2000) is further amended by
            deleting from subparagraph (d) of Clause 2 the words and figures
            "fifteen thousand, one hundred and sixty-eight (15,168)" and
            inserting in their place the words and figures "Fifteen Thousand,
            Seven Hundred and Fifty-Two (15,752)".

      c)    Section 1.01 of the Lease (Grant and Premises) is amended by
            deleting the second paragraph and inserting in its place the
            following:

            "From and after August 1, 1998, the Landlord shall lease to the
            Tenant: (i) additional office space ("First Additional Premises")
            containing approximately 18,000 square feet of Rentable Area on the
            4th floor of the Building as shown outlined in red on the floor plan
            attached hereto as Schedule "B-3"; and (ii) the Special Refusal
            Premises (as defined in Section 12.07) comprising a Rentable Area of
            approximately Nineteen Thousand, Four Hundred and Seventeen (19,417)
            square feet for the balance of the Term such that the Term in
            respect of the First Additional Premises and Special Refusal
            Premises shall be co-terminus with the Term and the Premises shall
            from and after such date be deemed to include the First Additional
            Premises and the Special Refusal Premises."

      d)    Section 2.02 (Net Rent) of the Lease (as amended by the Lease
            Amending Agreement dated January 17, 2001) is further amended by:

            (i)   in subparagraph (i):

                  (A)   deleting in the second line the words and figures "31st
                        day of January, 2002" and inserting in their place the
                        words and figures "31st day of December 2001"; and

                  (B)   adding to subparagraph (i) the following:

                        "for the period from and including January 1, 2002 to
                        and including January 31, 2002, the sum of Two Hundred,
                        Fifty-Six Thousand, Four Hundred Ninety-Six Dollars and
                        Four Cents ($256,496.04) per annum payable in equal
                        monthly instalments of Twenty-One Thousand, Three
                        Hundred Seventy-Four Dollars and Sixty-Seven Cents
                        ($21,374.67), based on an annual rate of Twenty-Three
                        Dollars ($23.00) per square foot of the Rentable Area of
                        the Third Additional Premises.

            (ii)  deleting in subparagraph (ii) the words and figures "Two
                  Hundred Ninety Thousand, Seven Hundred and Sixty-Nine Dollars
                  ($290,769.00)" and "Twenty-Four Thousand, Two Hundred Thirty
                  Dollars and Seventy-Five Cents ($24,230.75)" and inserting in
                  their place the words and figure "Two Hundred Eighty-Seven
                  Thousand, One Hundred and Sixty-Four Dollars ($287,164.00)"
                  and "Twenty-Three Thousand, Nine Hundred Thirty Dollars and
                  Thirty-Three Cents ($23,930.33)" respectively;

            (iii) deleting in subparagraph (iii) the words and figures "Three
                  Hundred Two Thousand Sixty-One Dollars ($302,061.00) and
                  "Twenty-Five Thousand, One Hundred Seventy-One Dollars and
                  Seventy-Five Cents ($25,171.75)" and inserting in their place
                  the words and figure's "Two Hundred Ninety-Eight Thousand;
                  Three Hundred and Sixteen Dollars ($298,316.00)" and
                  "Twenty-Four Thousand, Eight Hundred Fifty-Nine Dollars and
                  Sixty-Seven Cents ($24,859.67)" respectively; and

            (iv)  deleting in subparagraph (iv) the words and figures "Three
                  Hundred Four Thousand, Eight Hundred and Eighty-Four Dollars
                  ($304,884.00)" and "Twenty-Five Thousand, Four Hundred and
                  Seven Dollars ("25,407.00)" and inserting in their place the
                  words and figures "Three Hundred One Thousand, One Hundred and
                  Four Dollars ($301,104.00)" and "Twenty-Five Thousand,
                  Ninety-Two Dollars ($25,092.00) respectively.

                                     - 2 -
<PAGE>

      (e)   Section 2.02 (Net Rent) of the Lease (as amended by Paragraph
            3(a)(ii) of the Lease Amending Agreement dated April 14, 2000) is
            further amended by:

            (i)   deleting in the second line the words and figures "September
                  16, 2007" and inserting in their place the words and figures
                  "December 31, 2001";

            (ii)  adding subparagraph (iii) as follows:

                  "(iii) during the period from and including January 1, 2002 to
                  and including September 16, 2007, the sum of Four Hundred
                  Eight Thousand, Seven Hundred Sixty-Four Dollars and Forty
                  Cents ($408,764.40) per annum payable in equal consecutive
                  monthly instalments of Thirty-Four Thousand, Sixty-Three
                  Dollars and Seventy Cents ($34,063.70) based on an Annual Rate
                  of Twenty Five Dollars and Ninety-Five Cents ($25.95)".

      (f)   Section 2.02 (Net Rent) of the Lease (as amended by the Lease
            Amending Agreement dated January 15, 1998 is further amended by
            adding thereto the following:

            "Commencing August 1,1998 and for the balance of the Term, the
            Tenant shall pay with respect to the First Additional Premises and
            the Special Refusal Space, Net Rent at the same rates per square
            foot as set out with respect to the initial Premises described in
            the first paragraph of Section 1.01 of this Lease."

3. The Parties confirm that in all other respects, the terms, covenants and
conditions of the Lease remain unchanged and in full force and effect, except as
modified by this Agreement. It is understood and agreed that all terms and
expressions when used in this agreement, unless a contrary intention is
expressed herein, have the same meaning as they have in the Lease.

4. This Agreement shall enure to the benefit of and be binding upon the Parties
hereto, the successors and assigns of the Landlord and the permitted successors
and permitted assigns of the Tenant.

      IN WITNESS WHEREOF the Parties hereto have duly executed this Agreement as
of the day and year first above written.

                                   YCC LIMITED
                                   ---------------------------------------
                                                                (Landlord)

                                   Per: /s/ Michelle Carrie
                                        ----------------------------------
                                                      Authorized Signature

                                   Per: [ILLEGIBLE]
                                        ----------------------------------
                                                      Authorized Signature

                                   I/We have authority to bind the corporation.

                                   LONDON LIFE INSURANCE COMPANY
                                   ---------------------------------------
                                                                (Landlord)

                                   Per:  /s/ Steven Marino   ASSET MANAGER
                                         ---------------------------------
                                                      Authorized Signature

                                   Per: /s/ Paul Collison    ASSET MANAGER
                                        ----------------------------------
                                                      Authorized Signature

                                   I/We have authority to bind the corporation.

                                   LOYALTY MANAGEMENT GROUP CANADA INC.
                                   ---------------------------------------
                                                                  (Tenant)

         ELIZABETH MORGAN          Per: /s/ Elizabeth Morgan
         VICE PRESIDENT, FINANCE        ----------------------------------
                                                      Authorized Signature

         GORD MACDONALD            Per: /s/ Gord Macdonald
         VICE PRESIDENT                 ----------------------------------
         HUMAN RESOURCES                              Authorized Signature

                                   I/We have authority to bind the corporation.

                                     - 3 -<PAGE>
                                                                    Exhibit 10.6

                        SEVENTH LEASE AMENDING AGREEMENT

THIS AGREEMENT is dated the 18th day of February, 2005.

BETWEEN:

                    THE CADILLAC FAIRVIEW CORPORATION LIMITED

                                (the "landlord")

                                                               OF THE FIRST PART

                                      -and-

                      LOYALTY MANAGEMENT GROUP CANADA INC.

                                 (the "Tenant")

                                                              OF THE SECOND PART
WHEREAS:

A. By a lease dated the 28th day of may, 1997, and made between YCC LIMITED and
LONDON LIFE INSURANCE COMPANY, collectively as landlord and the Tenant (the
"Lease"), the landlord leased to the Tenant for and during a term of ten (10)
years, from and including the 1st day of September, 1997, to and including the
31st day of August, 2007 (the "Term"), subject to and upon the terms, covenants
and conditions contained in the Lease, certain premises containing a Rentable
Area for Seventy-three thousand, five hundred and thirty-four(73,534) square
feet approximately located on the 2nd and 3rd floors(the "Original Premises")
shown outlined on red on the plan attached to the Lease as Schedule "B-1" and
"B-2", located at 4110 Yonge Street (the "Building"), in the City of Toronto, in
the Province of Ontario.

B. By an agreement dated the 19th day of June, 1997 (the "First Amending
Agreement") made between YCC LIMITED and LONDON LIFE INSURANCE COMPANY
collectively as landlord and the Tenant, the Lease was amended so that the term
of the Lease would commence on the 17th day of September, 1997 and expire on the
16th day of September, 2007, and to further amend the Lease in accordance with
the terms and conditions more particularly set out therein.

C. By an agreement dated the 15th day of January, 1998 (the Second Lease
Amending leased to the Tenant additional premises on the 4th floor of the
Building comprising:(i) a Rentable Area of approximately eighteen thousand
(18,000) square feet (the "First Additional Premises") and (ii) a Rentable Area
of approximately nineteen thousand one hundred and forty seven (19,147) square
feet (the "Special Refusal space") and to further amend the Lease in accordance
with the terms and conditions more particularly set out therein.

D. By and agreement dated the 14th day of April, 2000(the Third Lease Amending
Agreement), the Tenant exercised its right of first refusal pursuant to Section
1207 of the Lease and YCC LIMITED and LONDON LIFE INSURANCE COMPANY collectively
as landlord leased to the Tenant additional premises comprising a Rentable Area
of approximately fifteen thousand one hundred and sixty-eight (15,168) square
feet on the 5th floor of the Building (the "Second Additional Premises") and to
further amend the Lease in accordance with the terms and conditions more
particularly set out therein.

E. By and agreement dated the 17th day of January, 2001(the Fourth Lease
Amending Agreement), YCC LIMITED and LONDON LIFE INSURANCE COMPANY collectively
as landlord leased to the Tenant additional premises comprising a Rentable Area
of approximately eleven thousand two hundred and ninety two (11,292) square feet
on the 5th floor of the Building (the "Third Additional Premises") for a period
commencing from and including February 1, 2001 to and including September 16,
2007 and to further amend the Lease in accordance with the terms and conditions
set out therein.

                                      -1-

<PAGE>

F. By and agreement dated the 12th day of June, 2002 (the "Fifth Lease Amending
Agreement"), YCC LIMITED and LONDON LIFE INSURANCE COMPANY collectively as
landlord and the Tenant agreed to add Schedule "F" to the Lease in order to
accommodate the Tenant's diesel generator, in accordance with the terms and
conditions more particularly set out therein;

G. By and agreement dated the 27th day of September, 2002(the "Sixth Lease
Amending Agreement"), YCC LIMITED and LONDON LIFE INSURANCE COMPANY collectively
as landlord and the Tenant agreed to further amend the Lease in accordance with
the terms and conditions more particularly set out therein;

H. The Landlord is now The Cadillac Fairview Corporation Limited; and

I. The Landlord and the Tenant have agreed to add further additional space to
the Premises effective July 1, 2005(the "Effective Date") and to amend the Lease
as of the Effective Date to give effect to the foregoing in accordance with the
terms and conditions herein after set forth.

NOW THEREFORE THIS AGREEMENT WITNESSETH that in consideration of the sum of two
dollars ($2.00) now paid by each of the parties to the other (the receipt and
sufficiency whereof is hereby acknowledged), and other mutual covenants and
agreements, the parties do hereby agree as follows:

1. The parties hereby acknowledge, confirm and agree that the foregoing recitals
are true in substance and in fact.

2. Provided this Agreement has been executed by both the Landlord and the
Tenant,the Tenant shall as of the 1st day of March, 2005 (the "Occupancy Date")
be provided vacant possession of approximately five thousand, five hundred and
eighty-six (5,586) square feet located on the 5th floor of the Building (the
"Fourth Additional premises") as shown outlined in red on schedule "B-7"
attached to this Agreement. From the Occupancy Date up to and including the day
prior to the Effective Date, the Tenant shall not be required to pay Net Rent or
Additional Rent in respect to the Four Additional Premises but shall during such
early occupancy period observe and perform all other provisions contained in the
Lease and shall, without limiting generality of the foregoing, place and
maintain all policies of insurance in respect to the Fourth Additional Premises
as required by the Lease.

3. The Tenant acknowledges and agrees that (i) it is accepting possession of the
Fourth Additional Premises in an "as is" condition as of the Occupancy Date,
(ii) the Landlord has no responsibility or liability for making any renovation,
alteration or improvements in or to the Fourth Additional Premises, and (iii)
all further renovations, alterations or improvements in or to the Fourth
Additional Premises are the sole responsibility of the Tenant and shall be
undertaken and completed at the Tenant's expanse and strictly in accordance
with the provisions of the Lease.

4. The Tenant will submit four sets of detailed working drawings to the Landlord
for any work which the Tenant is required or proposes to do in the premises. All
Tenant's work will be performed at the Tenant's expense in a good and
workmanlike manner in accordance with the leasehold improvements manual by
unionized contractors, sub-contractors and workers engaged by the Tenant but
approved by the Landlord. The Tenant's working drawings, contractors,
sub-contractors and workers will be subject to the Landlord's approval. The
Landlord will not unreasonably deny or delay its approval.

5. The Lease is amended as of the Effective Date as follows:

   (A) Section 1.01 (Grant and Premises) is hereby amended by adding the
   following:

       In consideration of the performance by the Tenant of its obligations
       under this Lease, the Landlord leases additional premises (the
       "Fourth Additional Premises") to the Tenant on an "as is" basis for a
       term (the "Term of the Fourth Additional Premises") commencing on
       July 1, 2005 and ending at midnight on September 16, 2007. The
       Fourth Additional Premises are located on the 5th floor of the
       Building as shown outlined in red on the floor plan attached as
       Schedule "B-7" and has a Rentable Area of approximately five thousand,
       five hundred and eight-six (5,586) square feet."

      (B) Section 1.02 (Term) is hereby amended by adding the following:

                                      -2-

<PAGE>

      "The Term of this Lease with respect to the Fourth Additional Premises is
      two (2) years, two (2) months and sixteen (16) days from the 1st day of
      July, 2005 to the 16th day of September, 2007."

(C)   Section 2.02 (Net Rent) Is hereby amended by adding the following:

      The Tenant shall pay Net Rent with respect to the Fourth Additional
      Premises during the period from and including July 1, 2005 to and
      including September, 16, 2007, in the sum of eighty-nine thousand three
      hundred and seventy-six dollars ($89,376,00) per annum payable in equal
      monthly installments of seven thousand four hundred and forty-eight
      dollars ($7,448.00) each in advance on the first day of each calendar
      month during the aforesaid period based on an annual rate of sixteen
      dollars ($ 16.00) per square foot of the Rentable Area of the Fourth
      Additional Premises.

      As soon as reasonably possible after completion of construction of the
      Premises the Landlord shall measure the Net Rentable Area of the Premises
      and shall calculate the Rentable Area of the Premises and Rent shall be
      adjusted accordingly.

(D)   Commencing July 1, 2005 the Tenant shall pay Additional Rent with respect
      to the fourth additional Premises in accordance with the terms of the
      Lease.

(E)   Provided the Tenant is LOYALTY MANAGEMENT GROUP CANADA INC. and is not in
      default under the terms of the Lease, the Landlord will pay the Tenant a
      Leasehold Improvement allowance of ten dollars ($10.00) per square foot of
      the Rentable Area of the Fourth Additional Premises (the "Allowance") to
      be applied towards the cost of construction of the Tenant's Leasehold
      Improvements. Ninety percent (90%) of the Allowance will be paid fifteen
      (15) days after the last to occur of:

      (a)   occupancy of the Fourth Additional premises by the Tenant for
            business.

      (b)   commencement of the Term.

      (c)   execution of the Lease by all parties; and

      (d)   receipt by the Landlord of a statutory declaration documenting (i)
            that payment has been made in fall to all contractors,
            sub-contractors, suppliers and any other personnel retained to
            complete construction of the Tenant's Leasehold Improvements; (ii)
            the last date on which any work was done or materials were provided
            in connection with the construction of the Leasehold improvements;
            and (iii) that all assessments under the workers Compensation Act
            against the Tenant its contractors, subcontractors and other persons
            or business entities who performed work in the Building or the
            Fourth Additional Premises in connection with the Tenant's work have
            been in full.

      The remaining ten percent (10%) of the Allowance will be paid forthwith
      after the expiry of the statutory lien period provided no liens have been
      registered in respect of the Tenant's Leasehold Improvements. To the
      extent that the Allowance exceeds the cost of construction such extra
      amount will be applied by the Landlord to the first rentals due under the
      Lease. The Tenant agrees to provide invoices documenting the cost of
      construction.

      If the Lease is terminated by the Landlord in accordance with Article IX
      hereof or the Tenant becomes bankrupt or takes the benefit of any statute
      for bankrupt or insolvent debtors (including without limiting the
      generality of the foregoing the Companies Creditors. Arrangement Act,
      R.S.C 1985, c. C-36, as amended or replaced) then the Tenant will repay to
      the Landlord, as Additional Rent, the unamortized portion of the
      Allowance, calculated from the date of payment by the Landlord on the
      basis of an assumed rate of depreciation on a straight line basis to zero
      over the initial Term."

6. Except as otherwise provided herein all references in the lease to the
"premises" shall be deemed to include the First Additional Premises, the Special
Refusal Space, the Second Additional Premises, the Third Additional Premises and
the Fourth Additional Premises.

7. Schedule "B-7" attached to this Agreement is deemed appended to the Lease.

8. The parties confirm that in all other respects, the terms, covenants and
conditions of the Lease remain unchanged and in full force and effect, except as
modified by this Agreement. It is understood and agreed that all terms and
expressions when used in this Agreement, unless a contrary intention is
expressed herein, have the same meaning as they have in the Lease.

                                      -3-
<PAGE>

9. This Agreement shall enure to the benefit of and be binding upon the parties
hereto, the successors and assigns of the Landlord and the permitted successors
and permitted assigns of the Tenant.

      IN WITNESS WHEREOF the parties hereto have duly excuted this Agreement as
of the day and year first above written.

                                    THE CADILLAC FAIRVIEW CORPORATION LIMITED
                                                                    (Landlord)

                                    Per:  /s/ [ILLEGIBLE]
                                          --------------------------------------
                                                            Authorized Signature

                                    Per:  /s/ [ILLEGIBLE]
                                          --------------------------------------
                                                            Authorized Signature

                                    I/We have authority to bind the corporation.

                                    LOYALTY MANAGEMENT GROUP CANADA INC.
                                                                (Tenant)

                                    Per:  /s/ Gord MacDonald
                                          --------------------------------------
                                                            Authorized Signature

                                    Per:  /s/ Elizabeth Morgan
                                          --------------------------------------
                                                            Authorized Signature

                                    I/We have authority to bind the corporation.

                                       -4-
<PAGE>

                                  SCHEDULE "B"

                                          Tenant Data Sheet

                                        Yonge Corporate Centre

                                               PHASE 2

                                      4110 Yonge Street, Toronto

                                              5th FLOOR

[MAP OF FERGUSON ARCHITECTS]

The purpose of this plan is to identity the approximate location of the Premises
                                in the Building.

                                     - 5 -

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