Document:

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                                                                   Exhibit 10.54

                             SETTLEMENT AGREEMENT
                        AND FULL RELEASE OF ALL CLAIMS

     THIS SETTLEMENT AGREEMENT AND FULL RELEASE OF ALL CLAIMS ("Agreement"),
made as of the 27th of October by and between NewSub Services, Inc., a
corporation organized under the laws of the State of Connecticut ("Employer"),
and Kevin Manion an individual who is resident at the address appearing in
Section 18 below ("Employee").

                                  WITNESSETH:

     WHEREAS, the Employee has been employed by the Employer on the terms and
subject to the conditions of the letter agreement dated July 20, 1998, between
the Employer and the Employee (the "Employment Agreement"), a copy of which is
attached as Exhibit A; and

     WHEREAS, the Employee and the Employer wish to establish the terms and
conditions governing the termination of the Employment Agreement and Employee's
separation from the Employer;

     NOW, THEREFORE, in consideration of the premises and of the mutual
covenants hereinafter set forth, the parties do hereby agree as follows:

     1.   Termination of Employment Agreement.  Effective immediately the
          -----------------------------------
Employment Agreement shall terminate.  Employee shall continue to be employed by
Employer until the close of business on the earlier of December 31, 1999 or the
Completion Date as defined below (the "Effective Date"), when Employee's
employment relationship with Employer shall terminate.  Except as set forth
below, the Employee shall not be entitled to any compensation, benefits or other
rights by reason of the Employment Agreement, his employment relationship with
the Employer on or prior to the Effective Date or otherwise.

          (a)  Accrued Salary and Benefits.  The Employer shall pay the Employee
               ---------------------------
his salary for the period from the date of this Agreement through the Effective
Date in accordance with its normal payroll policy.  Employee shall use his nine
(9) accrued but unused vacation days prior to the Effective Date and shall not
receive additional compensation for such days.  In addition, the Employee shall
be entitled to his accrued benefits as of the Effective Date under the NewSub
Services, Inc. 401(K) Profit Sharing Plan and to his profit sharing contribution
for 1999 to the extent, if any, that such contribution is paid to participants
in the 401K Profit Sharing Plan with respect to 1999.

          (b)  Contractual Obligations.  Until the Effective Date, Employee will
               -----------------------
use his best efforts to complete the projects ("Projects") specified on Exhibit
B ("Employment Services").  Employer will provide Employee with prompt written
notice if Employer determines (i) Employee is not devoting his best efforts to
completion of the Projects or (ii) Employee has completed the Projects.
Determination of (A) failure to devote best efforts and (B) the date on which
Employee has completed the Projects ("Completion Date") shall be made in good
faith on behalf of Employer by Stuart Bell, a Director of Employer.  The
Employment Services shall be performed (i) through October 29, 1999 at

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Employer's offices at Stamford, Connecticut (the "Offices"); and (ii) from
November 1, 1999 through December 31, 1999 at such locations as Employee shall
reasonably determine.  Notwithstanding the foregoing, with respect to the
performance of Employment Services from November 1, 1999 to December 31, 1999,
Employee must be reasonably available during business hours and must use his
best efforts to perform the Employment Services, and Employee must, upon
reasonable advance request from Employer, perform the Employment Services in the
Offices during business hours.

          After the Effective Date and prior to June 1, 2000, Employee will hold
himself available to render at the request of Employer, independent advisory and
consulting services, to the best of his ability for a total of sixteen (16)
hours for the purpose of training any individual designated by Employer as a
successor Chief Financial Officer to Employee ("Consulting Services").  The
sixteen (16) hours of Consulting Services shall be scheduled on two separate
days to be selected at Employer's discretion upon not less than five days notice
to Employee.  The Employer may not schedule such hours (i) between 10:00 p.m.
and 8:00 a.m., (ii) during the weekday hours of 8:30 a.m. to 5:30 p.m. if it
would interfere with Employee's then current employment responsibilities; and
(iii) on federal holidays and holiday weekends.  The Consulting Services shall
be performed at the Offices or such other location as the parties may agree.

          The Employment Services and Consulting Services (collectively,
"Services") shall be performed in compliance with all applicable laws,
Employer's Articles of Incorporation and By-laws and the terms and conditions of
this Agreement.

          (c)  Contractual Benefits.  In consideration of the full and final
               --------------------
settlement and release of all Employee's potential claims and the performance of
Services:  Employer shall (i) pay Employee two payments of Eight Thousand Three
Hundred Thirty-Three and 33/100 Dollars ($8,333.33) per month to be paid on the
Employer's normal payroll dates during the months of January, February and March
2000 and one payment of Five Thousand and 02/100 Dollars ($5,000.02) to be paid
on April 15, 2000 (for an aggregate of Fifty-Five Thousand Dollars ($55,000));
and (ii) effective January 3, 2000, forgive the unpaid principal amount and
accrued and unpaid interest under the Commercial Promissory Note, dated May 4,
1999 having an original principal amount of One Hundred Fifty Thousand Dollars
($150,000), with Employee, as payor, and Employer, as payee, a copy of which is
attached as Exhibit C.

          (d)  Additional Contractual Benefits.  From the date of this Agreement
               -------------------------------
through the Effective Date, Employee shall be permitted to use his current cell
telephone, office voice mail and office e-mail in accordance with Employer's
policy.  From the Effective Date until the earlier of June 1, 2000 or the
completion of Services, Employee shall be permitted, in connection with the
performance of Services and at Employer's reasonable expense, to use his current
or an equivalent cellular telephone and his office voice mail.

          (e)  Health Care Continuation Coverage.  Pursuant to the Consolidated
               ---------------------------------
Omnibus Budget Reconciliation Act, as amended ("COBRA"), Employee elects
effective on the Effective Date to continue coverage under the Employer's
medical and dental plan as in effect from time to time.  Employer will provide
Employee, and Employee will complete, any documentation required to perfect
Employee's election.  Until the earlier of June 1, 2000 or the date Employee
becomes eligible for medical and/or dental coverage under a medical plan
provided by another employer, Employer will reimburse Employee for the cost of
such COBRA continuation coverage.  Employee will notify Employer within five
days of his becoming eligible under such alternate medical and/or dental

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coverage.

     2.   Deductions and Withholding.  Any amounts payable by the Employer to
          --------------------------
the Employee pursuant to paragraph 1 shall be subject to such deductions and
withholding as may be agreed to by the Employee or required by applicable law.

     3.   Business Expenses.  On or before January 31, 2000, the Employee shall
          -----------------
submit for reimbursement by the Employer any and all business expenses incurred
in the performance of his duties pursuant to the Employment Agreement or the
performance of the Employment Services, which expenses shall be reimbursed by
the Employer in accordance with its normal employee expense reimbursement
policy.

     4.   Reference and Announcement.  Employer agrees to provide a reference
          --------------------------
for Employee when Employee refers prospective employers to Employer's Vice
President, Human Resources.  Employer will provide prospective employers with
the Employee's dates of work, position and salary.  On or after October 29,
1999, Employer will issue the announcement of Employee's departure from Employer
set forth on Exhibit D1.

     5.   Cooperation.  The Employee agrees to make himself reasonably available
          -----------
to the Employer to respond to requests by the Employer for information
pertaining to or relating to Employer which may be within the knowledge of the
Employee.  The Employee will cooperate fully with the Employer in connection
with any and all existing or future litigations or investigations brought by or
against Employer, its owners, parents, affiliates, officers, managers,
directors, employees, former employees, shareholders, subsidiaries,
subdivisions, agents, attorneys, representatives, trustees, predecessors,
successors and assigns ("Employer Group") whether administrative, civil or
criminal in nature, in which and to the extent the Employer deems the Employee's
cooperation necessary.  The Employer will compensate Employee at an hourly rate
of Two Hundred ($200) Dollars for time spent and reimburse the Employee for
reasonable out-of-pocket expenses incurred as a result of such cooperation.  The
Employee will also notify Employer in the event that he is subpoenaed in any
such proceedings and will provide the Employer with a copy of such subpoena.
Nothing herein shall prevent the Employee from communicating with or
participating in any government investigation.

     6.   Anti-Disparagement.  The Employee agrees, subject to any obligations
          ------------------
he may have under applicable law, that he will not make or cause to be made any
statements that disparage, are inimical, or damage the reputation of Employer or
any other member of Employer Group.  The Employer agrees, subject to any
obligations it may have under applicable law, that it will not make or cause to
be made any statements that disparage are inimical, or damage the reputation of
Employee.  Employer acknowledges that the provisions of this Section 6 are not
intended to prevent Employee from contacting any persons or entities in
connection with Employee's search for employment and, subject to the
requirements of Section 8, recounting his work experiences, job responsibilities
and performance.  Employer and Employee agree that the issuance of the statement
set forth in Exhibit D2 by either party shall not constitute a breach of this
Section 6.

     7.   Resignation.  The Employee resigns as an officer of the Employer and
          -----------
any member of Employer Group for which he serves as an officer effective as of
the earlier of the Effective Date or the date the Employer requests his
resignation in writing.

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     8.   Confidentiality.  Notwithstanding anything in this Agreement, the
          ---------------
terms and conditions of the Confidentiality Agreement signed by the Employee on
August 31, 1998 ("Confidentiality Agreement"), a copy of which is attached as
Exhibit E, shall remain in full force and effect on and after the Effective
Date.  The Employee represents that he has or, prior to the conclusion of his
performance of the Services, will have returned to the Employer all memoranda,
notes, records and all other tangible objects or documents pertaining to the
business of the Employer which he is required to return upon Employer's request,
pursuant to paragraph 5 of the Confidentiality Agreement.  The Employee shall
keep this Agreement confidential and shall not reveal its contents to anyone
except his immediate family, his financial or tax consultant and his attorney.

     9.   Non-Compete.  Employee agrees, that until December 20, 2000, he will
          -----------
not be an officer, director, consultant, employee, owner, partner, principal,
associate, joint venturer or security holder of, or otherwise render services to
or have an ownership or capital interest in, any organization or enterprise
which conducts a business in the United States of America competitive with that
carried on from time to time by Employer from July 20, 1998 until March 31, 2000
except that Employee may hold a passive investment of stock of less than five
percent (5%) of outstanding shares in a corporation whose shares are publicly
traded.  Employer will respond in good faith to Employee's inquiries (provided
they are accompanied by sufficient information) regarding whether prospective
employers of Employee are considered by Employer to be competitors of Employer.

     10.  Acknowledgement of No-Fault.  Neither the negotiation, undertaking,
          ---------------------------
agreement, nor execution of this Agreement shall constitute or operate as an
acknowledgement or admission of any wrongdoing or violation of any law,
contract, regulation or statute by Employer or any person acting on behalf of it
in any capacity whatsoever.

     11.  No Claims Permitted.  Employee waives his right to file any charge or
          -------------------
complaint arising out of the Employment Agreement or his employment with or
separation from Employer on his own behalf against Employer or any member of
Employer Group, before any federal, state, or local court or administrative
agency, except to the extent such waivers are prohibited by law.  This
Agreement, however, does not prevent Employee from filing a charge with the
Equal Employment Opportunity Commission concerning claims of discrimination,
although Employee waives his right to recover any damages or other relief in any
claim or suit brought by or through the Equal Employment Opportunity Commission
or any other state or local agency on behalf of Employee under Title VII of the
Civil Rights Act of 1964, as amended, the Americans with Disabilities Act, or
any other federal or state discrimination law, except where prohibited by law.
Employee confirms that no charge, complaint, or action exists in any forum or
form.

     12.  No Participation in Claims.  Employee understands that if this
          --------------------------
Agreement were not signed, he would have the right to voluntarily assist other
individuals or entities in bringing claims against Employer.  Employee further
understands and agrees that, unless prohibited by law, he waives such right and
will not provide any such voluntary assistance.

     13.  Release of Claims.
          -----------------

          (a) Acknowledgement.  The Employee understands that there are various
              ---------------
federal,

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state and local laws that prohibit employment discrimination on the basis of
age, sex, race, color, national origin, religion, handicap, veteran status and
other protected categories and that these laws are enforced through various
federal, state and local agencies.  The Employee represents that he intends to
give up any and all rights and claims that he may have under these or any other
laws with respect to his employment or the termination of the Employment
Agreement.

          (b)  Full Release of Claims. Employee agrees, on behalf of himself and
               ----------------------
his heirs, executors, administrators, representatives, successors and assigns,
in consideration of the terms and conditions set forth in this Agreement to
fully and forever release Employer and each member of the Employer Group (as
defined in Section 5) from any and all claims, damages, actions, causes of
action, losses, liabilities, costs and expenses of any nature whatsoever,
including, without limitation, court costs and attorneys' fees, whether or not
now known, claimed or suspected, fixed or contingent, in law or at equity
(hereinafter collectively referred to as "Claims") which he now has, has ever
had, has ever claimed to have had or may have against Employer or any member of
the Employer Group from the beginning of the world to the date that he executes
this Agreement, including, but not limited to: any and all Claims arising
directly or indirectly out of Employee's employment relationship with Employer,
including, but not limited to, alleged violations of the National Labor
Relations Act, as amended; Title VII of the Civil Rights Act of 1964, as
amended; Sections 1981 through 1988 of Title 42 of the United States Code; the
Employee Retirement Income Security Act of 1974, as amended; the Immigration
Reform Control Act, as amended; the Americans With Disabilities Act of 1990, as
amended; the Age Discrimination in Employment Act of 1967, as amended; the
Family and Medical Leave Act of 1993, as amended; the Fair Labor Standards Act,
as amended; the Occupational Safety and Health Act, as amended; the Consolidated
Omnibus Budget Reconciliation Act, as amended; the Connecticut Human Rights and
Opportunities Law, as amended; the Connecticut Wage Hour and Wage Payment Law,
as amended; the Connecticut Family and Medical Leave Act, as amended; any other
federal, state or local civil or human rights law or any other local, state or
federal law, regulation, charter provision or ordinance; any public policy,
contract, tort, or common law; and including any potential claim for costs,
fees, or other expenses including attorneys' fees incurred in these matters.
Employee agrees to indemnify and hold harmless Employer and each member of the
Employer Group from the costs of any such action that may be brought.  Employee
acknowledges that certain states provide that a general release of claims does
not extend to claims which the person executing the release does not know or
suspect to exist in his favor at the time of executing the release which, if
known, may have materially affected his entering into this Agreement.  Being
aware that such statutory protection may be available to him, Employee
expressly, voluntarily and knowingly waives any arguable benefit or protection
of any such statute in executing this Agreement.

          (c)  Benefits.  The Employee understands that this release in no way
               --------
affects any rights that he may have for payments and benefits set forth in this
Agreement.

          (d)  Availability of Counsel.  The Employee acknowledges that he was
               -----------------------
given twenty-one (21) days to review a copy of this Agreement and consider
whether or not to sign it and that he was encouraged by the Employer verbally
and in writing to consult an attorney during such twenty-one (21) day period
about this Agreement and this release.

          (e)  Ability to Revoke.  The Employee understands that for a period of
               -----------------
seven (7) days following his execution of this Agreement, he may revoke this
Agreement by doing so in writing

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and that the Agreement will not become enforceable or effective until the
revocation period has expired.

     14.  No Hiring.  Employee shall not prior to December 20, 2000, solicit,
          ---------
offer or in any way encourage any employee, consultant or agent of Employer to
leave work for employment by Employee, an entity controlled by Employee or
Employee's employer.

     15.  Arbitration.  In the event of any controversy or claim arising out of
          -----------
this Agreement raised by either party, the party raising the dispute will
promptly notify the other party in writing of the nature of the dispute and the
factual background. Within the fifteen (15) calendar day period following such
notice, the parties will initiate an attempt in good faith to reach a reasonable
solution to the dispute. If the dispute cannot be amicably resolved within
thirty (30) calendar days of written notification, then either party may seek by
written notice to resolve said dispute by arbitration before a panel of three
(3) arbitrators, in accordance with the commercial arbitration rules of the
American Arbitration Association ("AAA"), which shall designate the process for
nominating arbitrators. The place of arbitration shall be Stamford, Connecticut.
Each party shall provide to the arbitrators, no later than fifteen (15) calendar
days following the date of the appointment of the complete panel, a statement,
including all supporting documents or other evidence on which such party relies
as to why it believes that the dispute should be resolved in its favor, and all
such materials and any other materials provided to the arbitrator by either
party shall simultaneously be provided by such party to the other party. Within
twenty (20) calendar days after the submission of such statements by all
parties, the arbitrators shall hold a hearing with respect to the dispute. At
such hearing, the arbitrators may, in their sole discretion, allow the parties
additional arguments or submit any additional materials to support the position
taken in their respective statements. The arbitrators shall enter an award
within fifteen (15) calendar days following the hearing provided for herein.
Nothing shall preclude either party from making an application to the
arbitrators, for good cause, to expedite the proceedings, nor restrict the
arbitrators from granting such an application. In addition to such other relief
as the arbitrator may award, the arbitrators shall award to the prevailing party
its reasonable attorney's fees and expenses, and all other costs associated with
the arbitration. The award rendered by the arbitrators shall be final, and
judgement may be entered upon it in accordance with applicable law in any court
having jurisdiction hereof. Any disputes arising under the Agreement outside the
purview of this section will be governed by the laws of the State of Connecticut
and settled by a court situated in the county of Fairfield County, Connecticut
without reference to conflict of law principles, and the parties hereby consent
to the exclusive jurisdiction of the federal courts located in Fairfield County,
Connecticut therefor. Any disputes relating the to the interpretation of this
paragraph shall be resolved by the AAA, and, upon appointment of a complete
arbitration panel, by the arbitrators.

     16.  Choice of Law.  The terms of this Agreement shall be interpreted in
          -------------
accordance with the laws of the State of Connecticut without reference to
conflict of law principles.

     17.  Severabililty.  If any term or provision of this Agreement or the
          -------------
application thereof to any person, entity or circumstance shall to any extent be
invalid or unenforceable, the remainder of this Agreement, or the application of
such term or provision to such person, entity or circumstance other than those
as to which it is held invalid or unenforceable, shall not be affected thereby,
and each term and provision of this Agreement shall be valid and enforced to the
fullest extent permitted under the law.

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     18.  Notices.  Any notices, waivers and other communications required or
          -------
permitted hereunder shall be in writing and shall be deemed to be fully given
when delivered by hand or twenty-four (24) hours after being dispatched by
recognized overnight courier or mail service, addressed to the party to whom the
notice is intended to be given at the following or such other address as either
party may designate by like notice:

Employer:                                               Employee:

NewSub Service, Inc.                                    Kevin Manion
Four High Ridge Park                                    4 Minute Man Hill
Stamford, CT 06905                                      Westport, CT 06880
Attention: Michael Loeb

     19.  Further Assurances.  Each of the parties covenants and agrees that,
          ------------------
subsequent to the execution and delivery of this Agreement and without any
additional consideration, each of them will execute and deliver any further
legal instruments and perform any acts which are or may become reasonably
necessary to effectuate the purposes of this Agreement.

     20.  Captions.  Titles and headings in this Agreement are for convenience
          --------
of reference only and are not intended to be a part of or to affect the meaning
or interpretation of this Agreement.

     21.  Entire Agreement.  Employee acknowledges that in executing this
          ----------------
Agreement he does not rely and has not relied upon any representation or
statement not set forth herein with regard to the subject matter, basis or
effect of this Agreement.  This Agreement sets forth the entire agreement
between Employee and Employer, and fully supersedes any prior agreements or
understandings between the parties.  No other promises or agreements shall be
binding unless signed in writing by Employee and Employer.  Employee represents
he has consulted competent legal counsel of his own choosing before signing this
Agreement, has read the Agreement and has been fully and fairly advised by his
attorney as to the terms and meaning of the Agreement.

     BEFORE SIGNING THIS AGREEMENT, THE EMPLOYEE STATES THAT: HE HAS READ IT; HE
HAS HAD AN OPPORTUNITY TO CONSIDER ITS TERMS; HE UNDERSTANDS IT AND KNOWS THAT
HE IS GIVING UP IMPORTANT RIGHTS; HE MEANS EVERYTHING

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THAT HE HAS SAID IN IT; HE IS AWARE OF HIS RIGHT TO CONSULT AN ATTORNEY BEFORE
SIGNING IT AND HAS DONE SO; AND HE HAS SIGNED IT KNOWINGLY AND VOLUNTARILY.

     IN WITNESS WHEREOF, the parties have executed this Agreement as of the date
first above written.

EMPLOYER                                    EMPLOYEE
NewSub Services, Inc.                       Kevin Manion
By: /s/ Michael Loeb                        /s/ Kevin Manion
    ---------------------------------       --------------------------------
    Title: President
Dated: October 27, 1999                     Dated: October 27, 1999
       ------------------------------              -------------------------

STATE OF CONNECTICUT     )
                         )         ss.
COUNTY OF FAIRFIELD      )

     Before me, the undersigned, this 27/th/ day of October, 1999, personally
appeared Michael Loeb, the President of NewSub Services, Inc., and he as signer
and sealer of the foregoing instrument, acknowledged the execution to be on
behalf of the corporation.

     In Witness Whereof, I hereunto set my hand

                              /s/ Susan Koral
                              ---------------
                              Notary Public
                              My Commission Expires: 5/31/2003
                              Commissioner of the Superior Court

STATE OF CONNECTICUT          )
                              )     ss.
COUNTY OF FAIRFIELD           )

     Before me, the undersigned, this 27/th/ day of October, 1999, personally
appeared, known to me to be the individual Kevin Manion and he as signer and
sealer of the foregoing instrument, acknowledged the execution of the same to be
his free act and deed.

     In Witness Whereof, I hereunto set my hand

                              /s/ Susan Koral
                              ---------------
                              Notary Public
                              My Commission Expires: 5/31/2003
                              Commissioner of the Superior Court

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                                                                  Exhibit 10.55

                         SALES REPRESENTATIVE AGREEMENT
                         ------------------------------

     THIS SALES REPRESENTATIVE AGREEMENT is made and entered into as of January
4, 2000 (the "Effective Date"), by and between GIFT SERVICES, LLC, a Delaware
limited liability company having its offices at Four High Ridge Park, Stamford,
Connecticut 06905, Telecopy No. 203-595-8247 ("LLC") and NEWSUB SPECIAL
SERVICES, INC., a Delaware corporation having its offices at Four High Ridge
Park, Stamford, Connecticut 06905, Telecopy No. 203-595-8247 ("NewSub").

                                  WITNESSETH:

     In consideration of the mutual covenants and conditions herein contained,
and intending to be legally bound hereby, LLC and NewSub (the "Parties")
mutually agree as follows:

1.   Appointment.  LLC hereby appoints NewSub on an exclusive basis as its sole
     -----------
authorized sales representative to solicit orders for all products marketed,
promoted, distributed and/or sold by LLC, either directly or indirectly (the
"Products") during the term of this Agreement from any purchasers anywhere in
the world.

2.   Commissions.
     -----------

(a)  On Friday of each week, LLC shall pay NewSub a commission for each Product
sold by LLC for the week which ended thirteen (13) days earlier on a Saturday.
The relevant commission shall be a stated amount in U.S. Dollars, as indicated
in the schedule in Exhibit A attached hereto. This commission for a Product is
payable upon LLC shipping such Product to a third party.

(b)  NewSub shall not be entitled to a commission on any order solicited by
NewSub but which is rejected by LLC, regardless of the reason for LLC's
rejection.

(c)  LLC agrees to make and keep full and accurate books and records in
sufficient detail to enable commissions payable hereunder to be determined. On
30 days' prior written notice to LLC, independent certified public accountants
nominated and paid by NewSub shall have full access to the books and records of
LLC pertaining to activities under this Agreement and shall have the right to
make copies therefrom at NewSub's expense. Said certified public accountants
shall have such access at all reasonable times and from time to time during
normal business hours. Prompt adjustment shall be made by LLC to compensate for
any errors or omissions disclosed by such audit. NewSub shall bear the expense
of such audit, unless such audit reveals that less than 95% of the commissions
due for the audited period were paid by LLC, in which case LLC shall bear
reasonable out-of-pocket expenses incurred by NewSub in connection with such
audit.

<PAGE>

3.   Additional Services
     -------------------

(a)  In addition to the solicitation of orders for the Products described in
Section 2 above, NewSub shall provide or otherwise make available to LLC, as and
when requested by LLC, certain general corporate services, including, but not
limited to accounting, corporate communications, financial and other
administrative staff functions, and arrange for administration of insurance and
employee benefit programs and certain other services to be agreed upon by the
Parties hereto (collectively, the "Services"). The Services which may be
requested by LLC shall include (but not be limited to) the following:

     (i)    Insurance Services.  Arranging for liability, property and casualty,
            -------------------
political risk, and other normal business insurance coverage.

     (ii)   Corporate Bookkeeping Services.  Maintenance of routine corporate
            -------------------------------
bookkeeping, including, without limitation, payroll and accounts.

     (iii)  Other Services.  Services in addition to those enumerated in
            ---------------
Sections 3(a)(i) and (ii) above including, but not limited to, (A) arranging for
printing of credit card insert media and fulfillment mailing labels; (B)
reviewing and approving LLC"s payment of postage for Product mailings to end-
users; (C) reviewing and approving LLC"s payment of credit card issuer media
fees; (D) opening and sorting Product orders and performing data entry of
customer responses; (E) arranging for customer service through a toll-free
telephone number in the United States with respect to refund requests and
billing questions; (F) reviewing and approving LLC"s payment of database
management, operation and system enhancement fees; (G) reviewing and approving
credit-card processing fees; (H) arranging for routine administrative services,
corporate information services and treasury and other financial services; (I)
providing office space; and (J) arranging for LLC"s fulfillment mailing services
and approving LLC"s payment for such services, all if and to the extent
reasonably requested by LLC. Whenever NewSub provides fulfillment mailing
services to LLC, NewSub shall have the right to insert promotional materials
into each such package. NewSub shall be permitted to incorporate such materials
into the LLC"s fulfillment mailing labels.

(b)  For performing Services, NewSub will charge LLC a quarterly fee in U.S.
Dollars equal to one hundred percent (100%) of the aggregate NewSub Costs (as
hereinafter defined) incurred in connection with the Services rendered during
such quarter. For purposes of this Section 3, the term "NewSub Costs" shall mean
NewSub's fully-allocated cost of providing Services to LLC, including out-of-
pocket costs and a pro-rata portion of the salary and benefits of the NewSub
employees providing such Services. NewSub's charge for Services will be
determined and billed within 30 days after the end of each calendar quarter. The
charges will be due when billed, and shall be paid no later than 30 days from
the date of billing.

(c)  When Services are rendered by third party service providers selected by
NewSub to or for the benefit of LLC, all charges and related costs of such third
parties shall be billed by such third party directly to LLC and shall be paid by
LLC directly to such third party.

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(d)  NewSub shall prepare and deliver to LLC a statement, along with a
declaration, signed by the chief financial officer of NewSub or its parent
company, attesting to the accuracy of such statement, confirming that any
amounts charged by NewSub during the previous financial year pursuant to Section
3(b) above were calculated in accordance with the terms of this Agreement.

4.   Relationship of the Parties.
     ---------------------------

(a)  NewSub shall be considered to be an independent contractor. The
relationship between LLC and NewSub shall not be construed to be that of
employer and employee, nor to constitute a partnership, joint venture or agency
(except to the extent provided in Section 3(c) above) of any kind. Except to the
extent provided in Section 3(c) above, neither Party shall have the right to
enter into any contracts or commitments in the name of, or on behalf of, the
other Party, or to bind the other Party in any respect whatsoever.

(b)  Except to the extent provided in Section 3 above, LLC shall not reimburse
NewSub for any expenses which NewSub might incur in connection with: (i)
soliciting sales of the Products; or (ii) otherwise discharging its
responsibilities under this Agreement.

(c)  Prices furnished by LLC to NewSub for presentation to customers shall be
computed so as to include the commissions payable to NewSub hereunder. LLC may
change such prices from time to time, in its sole discretion and without prior
notice. Unless prior written approval is granted by LLC, NewSub shall quote only
the prices furnished by LLC and then in effect.

(d)  All commissions and other amounts due and owing to NewSub hereunder, but
not paid by LLC on the due date thereof, shall bear interest at the rate which
is the lesser of: (i) twelve per cent (12%) per annum; and (ii) the maximum
lawful interest rate permitted under applicable law. Such interest shall accrue
from the date on which each such commission or amount becomes due and owing
until payment thereof in full.

(e)  Notwithstanding anything in this Agreement to the contrary, no part of any
commission or amount payable to NewSub hereunder may be reduced due to any
counterclaim, set-off, adjustment, chargeback or other right which LLC might
have against NewSub, any other party or otherwise.

5.   Other Obligations of NewSub.
     ---------------------------

(a)  NewSub agrees to accept demonstration samples or products made available by
LLC for the sole purpose of increasing sales of the Products. NewSub agrees to
pay for all shipping, trucking, handling, insurance, customs duties, taxes and
other related charges and expenses involved with LLC"s shipping on a collect
basis such demonstration samples or products. In the event of expiration or
termination of this Agreement, such demonstration samples and/or products in the
control of NewSub shall be either returned to LLC in their original condition
(all charges pre-paid) or shipped to a third party (all charges collect) as LLC
shall direct.

                                       3
<PAGE>

(b)  NewSub agrees to furnish LLC with credit information satisfactory to LLC in
connection with customers and potential customers.

(c)  NewSub shall not obligate or purport to obligate LLC by issuing or making
any warranties or guaranties with respect to the Products to any third party.

(d)  NewSub shall develop all creative materials for marketing the Products
based on information supplied to NewSub by LLC and substantiated by Aspen
Marketing, Inc. ("Aspen"). LLC shall have the right to approve all such
materials, which approval shall not be unreasonably withheld or delayed.

(e)  NewSub shall provide estimated monthly and quarterly sales volumes by
specific Product and estimated annual projections of total unit volume.

(f)  NewSub shall discuss with LLC some of its new product ideas for marketing
developed by NewSub, in order to determine whether LLC is interested in
developing and supplying such new products in accordance with the terms of this
Agreement.

6.   Other Obligations of LLC.
     ------------------------

(a)  LLC agrees to keep NewSub informed about developments with respect to the
Products which may be useful to NewSub in the performance of its duties under
this Agreement.

(b)  LLC represents that Aspen has secured product liability insurance covering
the Products, as detailed on the insurance certificate attached as Exhibit C
hereto. LLC agrees that it shall cause Aspen at all times during the term of
this Agreement to: (i) maintain with a reputable insurance company doing
business in the United States and Canada and reasonably acceptable to NewSub,
product liability insurance covering the Products, providing at least the type
and limits of coverage set forth on the attached certificate; and (ii) to name
NewSub as an additional insured on such insurance. LLC also agrees to cause
Aspen to furnish NewSub with certificates of such insurance, including a
commitment on the part of the insurance company to notify NewSub at least thirty
(30) days before cancellation or a material change of such insurance.

7.   Trademarks, Trade Names and Service Marks.
     -----------------------------------------

(a)  Right to Use.  NewSub may use LLC's trade names, trademarks and service
     ------------
marks listed in Exhibit B attached hereto and those other trade names,
trademarks and service marks developed by LLC in the ordinary course of business
(with which Exhibit B may be updated from time to time) (hereinafter referred to
as the "Trademarks") on a non-exclusive basis only for the duration of this
Agreement and solely for display or advertising purposes in connection with
soliciting orders for the Products in accordance with this Agreement. NewSub
shall not at any time do or permit any act to be done which may in any way
impair the rights of LLC in the Trademarks.

                                       4
<PAGE>

(b)  Quality Control.  In order to comply with LLC's quality control standards,
     ---------------
NewSub shall: (i) use the Trademarks in compliance with all relevant laws and
regulations; (ii) accord LLC the right to inspect during normal business hours,
without prior advance notice, any facility used by NewSub in connection with
efforts to solicit orders for the Products in order to confirm that NewSub's use
of such Trademarks is in compliance with this provision; and (iii) not modify
any of the Trademarks in any way and not use any of the Trademarks on or in
connection with any goods or services other than the Products.

8.   Confidentiality Maintained.
     --------------------------

(a)  Each party agrees that the disclosing party (the "Disclosing Party") has a
proprietary interest in any information provided to the party receiving such
information (the "Receiving Party") by the Disclosing Party, whether in
connection with this Agreement or otherwise, which is (i) a trade secret,
confidential or proprietary information and (ii) not publicly known
("Proprietary Information). Specifically, but without limitation, LLC agrees
that NewSub has a proprietary interest in the names and addresses of customers
solicited by NewSub (as well as those customers" customers and cardholders)
pursuant to this Agreement. During and after the term of this Agreement, the
Receiving Party shall not disclose the Proprietary Information of the Disclosing
Party except to those of the Receiving Party"s agents, employees, subcontractors
and consultants to whom it is necessary in order to discharge the Receiving
Party"s duties pursuant to this Agreement. During and after the term of this
Agreement, the Receiving Party, its agents, employees, subcontractors and
consultants shall not use the Proprietary Information of the Disclosing Party
for any purpose other than in connection with discharging the Receiving Party"s
duties pursuant to this Agreement. Upon termination or expiration of this
Agreement for any reason, the Receiving Party shall, at its expense, either
promptly return to the Disclosing Party, or destroy, all of the Proprietary
Information of the Disclosing Party in any form whatsoever which it may have in
its possession, custody or control (whether direct or indirect). During the term
of this Agreement and thereafter, the Disclosing Party"s Proprietary Information
shall remain the exclusive property of the Disclosing Party.

(b)  Notwithstanding anything contained in this Agreement to the contrary, the
Receiving Party shall not be liable for a disclosure of the Proprietary
Information of the Disclosing Party, if the information so disclosed: (i) was in
the public domain at the time of disclosure without breach of this Agreement; or
(ii) was known to or contained in the records of the Receiving Party from a
source other than the Disclosing Party at the time of disclosure by the
Disclosing Party to the Receiving Party; or (iii) was received from a third
party without such third party, to the Receiving Party"s knowledge, breaching
any confidentiality obligations to the Disclosing Party; or (iv) was disclosed
pursuant to court order or as otherwise required by law, after giving the
Disclosing Party advance notice, if possible, of such required disclosure.

                                       5
<PAGE>

9.   Term and Termination.
     --------------------

(a)  The term of this Agreement shall begin on the Effective Date. The term of
this Agreement shall expire on the third (3/rd/) anniversary date of the
Effective Date, unless terminated earlier pursuant to the terms of this Section
9.

(b)  A Party may terminate this Agreement for cause under the following
conditions:

     (i)   Upon the occurrence of a material breach of any obligation hereunder
by either Party and the failure of such breaching Party to promptly pursue
(within fifteen (15) days for payment breaches and within thirty (30) days for
all other breaches after receiving written notice thereof from the non-breaching
Party) a reasonable remedy designed to cure (in the reasonable judgment of the
non-breaching Party) such material breach, this Agreement may be terminated by
the non-breaching Party by giving written notice of termination to the breaching
Party, such termination being immediately effective upon the giving of such
notice of termination; or

     (ii)  Upon the filing of a petition in bankruptcy, insolvency or
reorganization by the Party subject to such event, or the filing of a petition
in bankruptcy, insolvency or reorganization against the Party subject to such
event (which petition is not discharged within thirty (30) days after such
filing), or the Party subject to such event becoming subject to a composition
for creditors, whether by law or agreement, or the Party subject to such event
going into receivership or otherwise becoming insolvent, this Agreement may be
terminated by the other Party by giving written notice of termination to the
Party subject to such event.

(c)  Either Party may terminate this Agreement at any time, without cause, by
giving the other Party one hundred twenty (120) days prior written notice of
such termination.

(d)  This Agreement shall terminate automatically upon the termination of LLC.

(e)  Expiration or termination of this Agreement shall not affect the obligation
of LLC to pay NewSub (i) all amounts owing or to become owing as a result of
Products shipped by LLC on or before the date of such expiration or termination;
or (ii) amounts payable to NewSub in accordance with Section 3(b) above.

(f)  In the event of a termination of this Agreement or upon expiration of this
Agreement, neither Party shall have any obligation to the other Party, or to any
employee of the other Party, for compensation or for damages of any kind, on
account of the loss by the other Party or such employee of present or
prospective sales, investments, compensation or goodwill as a result of such
termination or expiration (other than damages arising from any breach prior
thereto). Each Party, for itself and on behalf of each of its employees, hereby
waives any rights which may be granted to it or them under the laws and
regulations of any country which are not granted to it or them by this
Agreement. Each Party hereby indemnifies and holds the other Party harmless from
and against any and all claims, costs, damages and liabilities whatsoever
asserted by any employee, agent or representative of such Party under any
applicable termination, labor, social security or other similar laws or
regulations.

                                       6
<PAGE>

(g)  Notwithstanding anything else in this Agreement to the contrary, the
Parties agree that Sections 2(c), 4(d), 8, 9(e), (f) and (g) and 10 shall
survive the termination or expiration of this Agreement, as the case may be.

10.  Miscellaneous
     -------------

(a)  This Agreement sets forth the entire agreement between LLC and NewSub
regarding the subject matter hereof, and supersedes and cancels any previous
agreements or understandings, whether oral, written or implied, heretofore in
effect between LLC and NewSub and sets forth the entire agreement between LLC
and NewSub. No modification or change may be made in this Agreement except by
written instrument duly signed by a duly authorized representative of each
Party.

(b)  This Agreement may not be assigned, delegated, sublicensed or transferred,
whether by operation of law or otherwise, by either Party without the prior
written consent of the other Party, and any attempted assignment, delegation,
sublicense or transfer without such written consent shall be void and of no
effect; provided, however, that neither Party"s consent shall be required with
        --------  -------
respect to (i) any assignment, delegation or transfer by the other Party (the
"Assigning Party") to (A) an Affiliate of the Assigning Party or (B) an acquirer
of all or substantially all of the stock or assets of (1) NewSub related to
solicitations of orders for the Products or (2) LLC related to the marketing,
promotion, distribution and/or selling of the Products, through purchase,
merger, consolidation or otherwise; or (ii) any pledge as collateral to, or any
subsequent assignment to or by, any lending institution(s) providing loan
facilities to the Assigning Party or its Affiliates. To the extent permitted by
this provision, this Agreement shall inure to the benefit of the successors and
permitted assigns of each Party.

(c)  This Agreement shall be shall be construed and governed according to, and
any arbitration hereunder shall apply, the laws of the State of New York,
excluding its conflicts of laws principles.

(d)  Any dispute, controversy or claim arising out of or relating to this
Agreement or to a breach hereof, including its interpretation, performance or
termination, shall be finally resolved by arbitration. The arbitration shall be
conducted by three (3) arbitrators, one to be appointed by Aspen, one to be
appointed by NewSub and a third being nominated by the two arbitrators so
selected or, if they cannot agree on a third arbitrator, by the President of the
American Arbitration Association ("AAA"). The arbitration shall be conducted in
English and in accordance with the commercial arbitration rules of the AAA. The
arbitration, including the rendering of the award, shall take place in New York,
New York, and shall be the exclusive forum for resolving such dispute,
controversy or claim. The decision of the arbitrators shall be binding upon the
Parties hereto, and the expense of the arbitration (including without limitation
the award of attorneys' fees to the prevailing Party) shall be paid as the
arbitrators determine. The decision of the arbitrators shall be executory, and
judgment thereon may be entered by any court of competent jurisdiction.
Notwithstanding anything contained in this Section 10(d) to the contrary: (i)
application may be made to any court for a judicial acceptance of the award or
order

                                       7
<PAGE>

of enforcement; and (ii) NewSub shall have the right to institute judicial
proceedings against LLC or anyone acting by, through or under LLC, in order to
enforce NewSub"s rights hereunder through reformation of contract, specific
performance, injunction or similar equitable relief.

(e)  All notices given under this Agreement shall be in writing and shall be
addressed to the Parties at their respective addresses set forth above to the
attention of Jeffrey Gilfix, with a copy to Neal Vitale, Thomas C. Breslin and
James L. Hanig at Aspen Marketing, Inc., 11755 Wilshire Boulevard, Suite 1100,
Los Angeles, California 90025, Telecopy No. 310-231-9012, on behalf of LLC and
to the attention of Michael Loeb, with a copy to Jonathan Siegel and Douglas
Nagourney, on behalf of NewSub. Notices shall be deemed given only if delivered
by hand, sent by facsimile transmission or mailed by registered or recorded
delivery U.S. mail or overnight courier, return receipt requested. Any such
notice if given or made by U.S. mail or overnight courier shall be deemed to
have been received on the earlier of the date actually received and the date
three (3) calendar days after the same was posted (and in proving such it shall
be sufficient to prove that the envelope containing the same was properly
addressed and posted as aforesaid) and if given or made by telecopy transmission
shall be deemed to have been received at the time of dispatch, unless such date
of deemed receipt is not a day on which banks are open for business in Stamford,
Connecticut (a "Business Day"), in which case the date of deemed receipt shall
be the next succeeding Business Day. Either Party may change its address, its
telecopy number or contact person for purposes of this Agreement by giving the
other Party written notice of its new address, telecopy number or contact
person.

(f)  None of the conditions or provisions of this Agreement shall be held to
have been waived by any act or knowledge on the part of either Party, except by
an instrument in writing signed by a duly authorized officer or representative
of such Party. Further, the waiver by either Party of any right hereunder or the
failure to enforce at any time any of the provisions of this Agreement, or any
rights with respect thereto, shall not be deemed to be a waiver of any other
rights hereunder or of any breach or failure of performance of the other Party.

(g)  Each of the Parties covenants that all of its activities under or pursuant
to this Agreement shall comply with all applicable laws, rules and regulations.

(h)  If any provision of this Agreement is declared invalid or unenforceable by
a court having competent jurisdiction, it is mutually agreed that this Agreement
shall endure except for the part declared invalid or unenforceable by order of
such court. The Parties shall consult and use their best efforts to agree upon a
valid and enforceable provision which shall be a reasonable substitute for such
invalid or unenforceable provision in light of the intent of this Agreement.

(i)  Taxes, whether in the United States or any other country, now or hereafter
imposed with respect to the transactions contemplated hereunder (with the
exception of income taxes or other taxes imposed upon NewSub and measured by the
gross or net income of NewSub) shall be the responsibility of LLC and, if paid
or required to be paid by NewSub, the amount thereof shall be added to the
amounts payable to NewSub hereunder.

                                       8
<PAGE>

(j)  This Agreement may be executed in one or more counterparts, each of which
shall be deemed an original, but all of which together shall constitute one and
the same instrument.

(k)  All written material, correspondence, notices and oral assistance supplied
by either Party hereunder shall be in the English language.

(l)  Headings are for reference purposes only and shall not be used in order to
interpret or construe this Agreement.

(m)  For the purposes of this Agreement, "Affiliates" shall mean all companies,
natural persons, partnerships and other business entities controlled by, under
common control with or controlling either Party to this Agreement.

                  [Remainder of Page Intentionally Left Blank]

                                       9
<PAGE>

     IN WITNESS WHEREOF, the Parties hereto have signed this Agreement.

GIFT SERVICES, LLC

By:      /s/ Jeffrey Gilfix
   -----------------------------------
 Name:   Jeffrey Gilfix
 Title:  President

Date:    1/4/00
     ---------------------------------

NEWSUB SPECIAL SERVICES, INC.

By:      /s/ Michael R. Loeb
   -----------------------------------
 Name:   Michael R. Loeb
 Title:  President

Date:
     ---------------------------------

                                       10
<PAGE>

            EXHIBIT A          Schedule of Commissions

The Parties agree that the initial commission payable to NewSub on the sale of
each Product in the year 2000 shall be US$0.85. This commission rate shall be
adjusted prospectively on a quarterly basis by mutual written agreement of the
Parties, based upon changes in response rates, average Product price and
associated costs. The Parties agree that the commissions shall be as set forth
below, during the years and at the volumes specified, unless the Parties agree
in writing otherwise:

     Year                Units Sold            Commission

     2000         1 to 10,000,000              US$0.85
                  10,000,001 to 20,000,000        0.90
                  20,000,001 to 25,000,000        0.95
                  25,000,001 to 30,000,000        1.00

     2001         1 to 10,000,000              US$0.89
                  10,000,001 to 20,000,000        0.94
                  20,000,001 to 27,000,000        0.98
                  27,000,001 to 30,000,000        1.04

     2002         1 to 10,000,000              US$0.92
                  10,000,001 to 20,000,000        0.97
                  20,000,001 to 30,000,000        1.00

                                       11
<PAGE>

          EXHIBIT B      Trademarks, Trade Names and Service Marks

                                [To Be Provided]

                                       12
<PAGE>

          EXHIBIT C      Certificate of Insurance

                                       13
<PAGE>

                              AMENDMENT AGREEMENT

This Amendment Agreement ("Amendment") is made by and between Gift Services,
LLC, a Delaware limited liability company ("LLC"), and Synapse Solutions, Inc.,
a Delaware corporation, formerly known as NewSub Special Services, Inc.,
("NewSub"), effective April 1, 2000.

      WHEREAS, NewSub and LLC entered into a Sales Representative Agreement
dated as of January 4, 2000 (the "Agreement"); and

      WHEREAS, NewSub and LLC wish to amend the Agreement in certain respects.

      NOW, THEREFORE, in consideration of the mutual promises and covenants set
forth herein, the parties hereby agree as follows:

1.  Subsections 3(b) and (c) of the Agreement are amended and restated as
    follows:

     "(b) For performing Services, NewSub shall be compensated as provided in
Exhibit A.

      (c) When Services are rendered by third party service providers selected
     by NewSub to or for the benefit of LLC, all charges and related costs of
     such third parties shall be billed by such third party directly to LLC and
     shall be paid by LLC directly to such third party. In the event NewSub pays
     on behalf of LLC the charges and costs of any such third party service
     provider, LLC shall promptly reimburse NewSub the amount of such payment."

2.  Subsection 3(d) of the Agreement is deleted.

3.  Exhibit A to the Agreement shall be amended and restated as set forth in
    Exhibit A to this Amendment.

4.  Section 9 (e) of the Agreement is amended and restated as follows:

     "(e) Expiration or termination of this Agreement shall not affect the
     obligation of LLC to pay NewSub all amounts owing or to become owing as a
     result of Products shipped by LLC on or before the date of such expiration
     or termination."

5.  The Agreement, as amended by this Amendment, shall remain in full force and
    effect.

                        ------------------------------
                                  Page 1 of 3
<PAGE>

     IN WITNESS WHEREOF, NewSub and LLC, intending to be legally bound by the
terms of this Amendment, have caused this Amendment to be executed by their duly
authorized representatives effective on the date first set forth above.

Synapse Solutions, Inc.                                 Gift Services, LLC
(formerly NewSub Special Services, Inc.)

By: /s/ Michael R. Loeb                              By: /s/ Jeffrey Gilfix
   ----------------------                               ------------------------
Name  Michael Loeb                                   Name   Jeffrey Gilfix
    ---------------------                                -----------------------
Title President                                      Title  President
     --------------------                                 ----------------------
Dated: March 28, 2000                                Dated: March 28, 2000

                        ------------------------------
                                  Page 2 of 3
<PAGE>

     EXHIBIT A               Schedule of Commissions

The parties agree that the initial commission payable to NewSub on the sale of
each Product in the year 2000 shall be US$0.85. This commission rate shall be
adjusted prospectively on a quarterly basis by mutual written agreement of the
Parties, based upon changes in response rates, average Product price and
associated costs, including, without limitation, NewSub's fully-allocated cost
of providing Services (as defined in Section 3 of this Agreement) to LLC,
including out-of-pocket costs and a pro-rata portion of the salary and benefits
of the NewSub employees providing such Services. The Parties agree that the
commissions shall be as set forth below, during the years and at the volumes
specified, unless the Parties agree in writing otherwise:

     Year       Units Sold                     Commission

     2000       1 to 10,000,000                US$ 0.85
                10,000,001 to 20,000,000           0.90
                20,000,001 to 25,000,000           0.95
                25,000,001 to 30,000,000           1.00

     2001       1 to 10,000,000                US$ 0.89
                10,000,001 to 20,000,000           0.94
                20,000,001 to 27,000,000           0.98
                27,000,001 to 30,000,000           1.04

     2002       1 to 10,000,000                US$ 0.92
                10,000,001 to 20,000,000           0.97
                20,000,001 to 30,000,000           1.00

                        ------------------------------
                                  Page 3 of 3
<PAGE>

                              AMENDMENT AGREEMENT

     This Amendment Agreement ("Amendment") is made by and between Gift
Services, LLC, a Delaware limited liability company ("LLC"), and Synapse
Solutions, Inc., a Delaware corporation, formerly known as NewSub Special
Services, Inc., ("NewSub"), effective April 1, 2000.

     WHEREAS, NewSub and LLC entered into a Sales Representative Agreement dated
as of January 4, 2000, as amended effective April 1, 2000 (the "Agreement"); and

     WHEREAS, NewSub and LLC wish to amend the Agreement in certain respects.

     NOW, THEREFORE, in consideration of the mutual promises and covenants set
forth herein, the parties hereby agree as follows:

1.   Exhibit A to the Agreement shall be amended and restated as set forth in
     Exhibit A to this Amendment.

2.   The Agreement, as further amended by this Amendment, shall remain in full
     force and effect.

     IN WITNESS WHEREOF, NewSub and LLC, intending to be legally bound by the
terms of this Amendment, have caused this Amendment to be executed by their duly
authorized representatives effective on the date first set forth above.

Synapse Solutions, Inc.                           Gift Services, LLC
(formerly NewSub Special Services, Inc.)

By:  /s/ Jonathan A. Siegel                       By: /s/ Jeffrey Gilfix
     ----------------------                           ------------------
Name:  Jonathan A. Siegel                         Name:  Jeffrey Gilfix
       ------------------                                --------------
Title: Vice President                             Title: President
       --------------                                    ---------
Dated: 6/27/00                                    Dated: 6/26/00
       -------                                           -------

                                  Page 1 of 2
<PAGE>

SCHEDULE A                   Schedule of Commissions

The parties agree that the initial commission payable to NewSub on the sale of
each Product in the first calendar quarter of year 2000 shall be US $0.85 and
that the commission payable to NewSub in the second calendar quarter of the year
2000 shall be US $0.75. This commission rate shall be adjusted prospectively on
a quarterly basis by mutual written agreement of the Parties, based upon changes
in response rates, average Product price and associated costs, including,
without limitation, NewSub's fully-allocated costs of providing Services (as
defined in Section 3 of this Agreement) to LLC, including out-of-pocket costs
and a pro-rata portion of the salary and benefits of the NewSub employees
providing such Services. The Parties agree that the commissions shall be as set
forth below, during the years and at the volumes specified, unless the Parties
agree in writing otherwise:

<TABLE>
<CAPTION>
     Year                    Units Sold                     Commission
     <S>                     <C>                            <C>
     2000                    1 to 10,000,00                   US$ 0.75
                             10,000,001 to 20,000,000             0.90
                             20,000,001 to 25,000,000             0.95
                             25,000,001 to 30,000,000             1.00

     2001                    1 to 10,000,000                  US$ 0.89
                             10,000,001 to 20,000,000             0.94
                             20,000,001 to 27,000,000             0.98
                             27,000,001 to 30,000,000             1.04

     2002                    1 to 10,000,000                  US$ 0.92
                             10,000,001 to 20,000,000             0.97
                             20,000,001 to 30,000,000             1.00
</TABLE>

                                  Page 2 of 2

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