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Master Lease Agreement - Comdisco Inc. and Internet Access Financial Corp.

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                             MASTER LEASE AGREEMENT

MASTER LEASE AGREEMENT (the "Master Lease") dated May 22, 1998 by and between
COMDISCO, INC. ("Lessor") and INTERNET ACCESS FINANCIAL CORPORATION ("Lessee").

IN CONSIDERATION of the mutual agreements described below, the parties agree as
follows (all capitalized terms are defined in Section 14.18):

1. PROPERTY LEASED.

Lessor leases to Lessee all of the Equipment described on each Summary
Equipment Schedule. In the event of a conflict, the terms of the applicable
Schedule prevail over this Master Lease.

2. TERM.

On the Commencement Date, Lessee will be deemed to accept the Equipment, will
be bound to its rental obligations for each item of Equipment and the term of a
Summary Equipment Schedule will begin and continue through the Initial Term and
thereafter until terminated by either party upon prior written notice received
during the Notice Period. No termination may be effective prior to the
expiration of the Initial Term.

3. RENT AND PAYMENT.

Rent is due and payable in advance on the first day of each Rent Interval at
the address specified in Lessor's invoice. Interim Rent is due and payable when
invoiced. If any payment is not made when due, Lessee will pay a Late Charge on
the overdue amount. Upon Lessee's execution of each Schedule, Lessee will pay
Lessor the Advance specified on the Schedule. The Advance will be credited
towards the final Rent payment if Lessee is not then in default. No interest
will be paid on the Advance.

4. SELECTION; WARRANTY AND DISCLAIMER OF WARRANTIES.

4.1 SELECTION. Lessee acknowledges that it has selected the Equipment and
disclaims any reliance upon statements made by the Lessor, other than as set
forth in the Schedule.

4.2 WARRANTY AND DISCLAIMER OF WARRANTIES. Lessor warrants to Lessee that, so
long as Lessee is not in default, Lessor will not disturb Lessee's quiet and
peaceful possession, and unrestricted use of the Equipment. To the extent
permitted by the manufacturer, Lessor assigns to Lessee during the term of the
Summary Equipment Schedule any manufacturer's warranties for the Equipment.
LESSOR MAKES NO OTHER WARRANTY, EXPRESS OR IMPLIED AS TO ANY MATTER WHATSOEVER,
INCLUDING, WITHOUT LIMITATION, THE MERCHANTABILITY OF THE EQUIPMENT OR ITS
FITNESS FOR A PARTICULAR PURPOSE. Lessor is not responsible for any liability,
claim, loss, damage or expense of any kind (including strict liability in tort)
caused by the Equipment except for any loss or damage caused by the willful
misconduct or negligent acts of Lessor. In no event is Lessor responsible for
special, incidental or consequential damages.

5. TITLE; RELOCATION OR SUBLEASE; AND ASSIGNMENT.

5.1 TITLE. Lessee holds the Equipment subject and subordinate to the rights of
the Owner, Lessor, any Assignee and any Secured Party. Lessee authorizes
Lessor, as Lessee's agent, and at Lessor's expense, to prepare, execute and
file in Lessee's name precautionary Uniform Commercial Code financing
statements showing the interest of the Owner, Lessor, and any Assignee or
Secured Party in the Equipment and to insert serial numbers in Summary
Equipment Schedules as appropriate. Lessee will, at its expense, keep the
Equipment free and clear from any liens or encumbrances of any kind (except any
caused by Lessor) and will indemnify and hold the Owner, Lessor, any Assignee
and Secured Party harmless from and against any loss caused by Lessee's failure
to do so, except where such is caused by Lessor.

5.2 RELOCATION OR SUBLEASE. Upon prior written notice, Lessee may relocate
Equipment to any location within the continental United States provided (i) the
Equipment will not be used by an entity exempt from federal income tax, and
(ii) all additional costs (including any administrative fees, additional taxes
and insurance coverage) are reconciled and promptly paid by Lessee.

Lessee may sublease the Equipment upon the reasonable consent of the Lessor and
the Secured Party. Such consent to sublease will be granted if: (i) Lessee
meets the relocation requirements set out above, (ii) the sublease is expressly
subject and subordinate to the terms of the Schedule, (iii) Lessee assigns its
rights in the sublease to Lessor and the Secured Party as additional collateral
and security, (iv) Lessee's obligation to maintain and insure the Equipment is
not altered, (v) all financing statements required to continue the Secured
Party's prior perfected security interest are filed, and (vi) Lessee executes
sublease documents acceptable to Lessor.

No relocation or sublease will relieve Lessee from any of its obligations under
this Master Lease and the relevant Schedule.

?? ASSIGNMENT BY LESSOR. The terms and conditions of each Schedule have been
fixed by Lessor in order to permit Lessor to sell and/or assign or transfer its
interest or grant a security interest in each Schedule and/or the Equipment to
a Secured Party or Assignee. In that event, the term Lessor will mean the
Assignee and any Secured Party. However, any assignment, sale, or other
transfer by Lessor will not relieve Lessor of its obligations to Lessee and
will not materially change Lessee's duties or materially increase the burdens
or risks imposed on Lessee. The Lessee consents to and will acknowledge such
assignments in a written notice given to Lessee. Lessee also agrees that:

(a)  The Secured Party will be entitled to exercise all of Lessor's rights, but
will not be obligated to perform any of the obligations of Lessor. The Secured
Party will not disturb Lessee's quiet and peaceful possession and unrestricted
use of the Equipment so long as Lessee is not in default and the Secured Party
continues to receive all Rent payable under the Schedule; and

(b)  Lessee will pay all Rent and all other amounts payable to the Secured
Party, despite any defense or claim which it has against Lessor. Lessee
reserves its right to have recourse directly against Lessor for any defense or
claim;

(c)  Subject to and without impairment of Lessee's leasehold rights in the
Equipment, Lessee holds the Equipment for the Secured Party to the extent of
the Secured Party's rights in that Equipment.

6. NET LEASE; TAXES AND FEES.

6.1 NET LEASE. Each Summary Equipment Schedule constitutes a net lease.
Lessee's obligation to pay Rent and all other amounts due hereunder is absolute
and unconditional and is not subject to any abatement, reduction, set-off,
defense, counterclaim, interruption, deferment or recoupment for any reason
whatsoever.

6.2 TAXES AND FEES. Lessee will pay when due or reimburse Lessor for all taxes,
fees or any other charges (together with any related interest or penalties not
arising from the negligence of Lessor) accrued for or arising during the term
of each Summary Equipment Schedule against Lessor, Lessee or the Equipment by
any governmental authority (except only Federal, state, local and franchise
taxes on the capital or the net income of Lessor). Lessor will file all
personal property tax returns for the Equipment and pay all such property taxes
due. Lessee will reimburse Lessor for property taxes within thirty (30) days of
receipt of an invoice.

7. CARE, USE AND MAINTENANCE; INSPECTION BY LESSOR.

7.1 CARE, USE AND MAINTENANCE. Lessee will maintain the Equipment in good
operating order and appearance, protect the Equipment from deterioration, other
than normal wear and tear, and will not use the Equipment for any purpose other
than that for which it was designed. If commercially available and considered
common business practice for each item of Equipment, Lessee will maintain in
force a standard maintenance contract with the manufacturer of the Equipment,
or another party acceptable to Lessor, and will provide Lessor with a complete
copy of that contract. If Lessee has the Equipment maintained by a party other
than the manufacturer or self maintains, Lessee agrees to pay any costs
necessary for the manufacturer to bring the Equipment to then current release,
revision and engineering change levels, and to re-certify the Equipment as
eligible for manufacturer's maintenance at the expiration of the lease term,
provided re-certification is available and is required by Lessor. The lease
term will continue upon the same terms and conditions until recertification has
been obtained.

7.2 INSPECTION BY LESSOR. Upon reasonable advance notice, Lessee, during
reasonable business hours and subject to Lessee's security requirements, will
make the Equipment and its related log and maintenance records available to
Lessor for inspection.

8. REPRESENTATIONS AND WARRANTIES OF LESSEE. Lessee hereby represents, warrants
and covenants that with respect to the Master Lease and each Schedule executed
hereunder:

(a)  The Lessee is a corporation duly organized and validly existing in good
standing under the laws of the jurisdiction of its incorporation, is duly
qualified to do business in each jurisdiction (including the jurisdiction where
the Equipment is, or is to be, located) where its ownership or lease of
property or the conduct of its business requires such qualification, except for
where such lack of qualification would not have a material adverse effect on
the Company's business; and has full corporate power and authority to hold
property under the Master Lease and each Schedule and to enter into and perform
its obligations under the Master Lease and each Schedule.

(b)  The execution and delivery by the Lessee of the Master Lease and each
Schedule and its performance thereunder have been duly authorized by all
necessary


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corporate action on the part of the Lessee, and the Master Lease and each
Schedule are non inconsistent with the Lessee's Articles of Incorporation or
Bylaws, do not contravene any law or governmental rule, regulation or order
applicable to it, do not and will not contravene any provision of, or
constitute a default under, any indenture, mortgage, contract or other
instrument to which it is a party or by which it is bound, and the Master Lease
and each Schedule constitute legal, valid and binding agreements of the Lessee,
enforceable in accordance with their terms, subject to the effect of applicable
bankruptcy and other similar laws affecting the rights of creditors generally
and rules of law concerning equitable remedies.

(c)     There are no actions, suits, proceedings or patent claims pending or,
to the knowledge of the Lessee, threatened against or affecting the Lessee in
any court or before any governmental commission, board or authority which, if
adversely determined, will have a material adverse effect on the ability of the
Lessee to perform its obligations under the Master Lease and each Schedule.

(d)     The Equipment is personal property and when subjected to use by the
Lessee will not be or become fixtures under applicable law.

(e)     The Lessee has no material liabilities or obligations, absolute or
contingent (individually or in the aggregate), except the liabilities and
obligations of the Lessee as set forth in the Financial Statements and
liabilities and obligations which have occurred in the ordinary course of
business, and which have not been, in any case or in the aggregate, materially
adverse to Lessee's ongoing business.

(f)     To the best of the Lessee's knowledge, the Lessee owns, possesses, has
access to, or can become licensed on reasonable terms under all patents, patent
applications, trademarks, trade names, inventions, franchises, licenses,
permits, computer software and copyrights necessary for the operations of its
business as now conducted, with no known infringement of, or conflict with, the
rights of others.

(g)     All material contracts, agreements and instruments to which the Lessee
is a party are in full force and effect in all material respects, and are
valid, binding and enforceable by the Lessee in accordance with their
respective terms, subject to the effect of applicable bankruptcy and other
similar laws affecting the rights of creditors generally, and rules of law
concerning equitable remedies.

9.      DELIVERY AND RETURN OF EQUIPMENT.

Lessee hereby assumes the full expense of transportation and in-transit
insurance to Lessee's premises and installation thereat of the Equipment. Upon
termination (by expiration or otherwise) of each Summary Equipment Schedule,
Lessee shall, pursuant to Lessor's instructions and at Lessee's full expense
(including, without limitation, expenses of transportation and in-transit
insurance), return the Equipment to Lessor in the same operating order, repair,
condition and appearance as when received, less normal depreciation and wear
and tear. Lessee shall return the Equipment to Lessor at 6111 North River Road,
Rosemont, Illinois 60018 or at such other address within the continental United
States as directed by Lessor, provided, however, that Lessee's expense shall be
limited to the cost of returning the Equipment to Lessor's address as set forth
herein. During the period subsequent to receipt of a notice under Section 2,
Lessor may demonstrate the Equipment's operation in place and Lessee will
supply any of its personnel as may reasonably be required to assist in the
demonstrations.

10. LABELING.

Upon request, Lessee will mark the Equipment indicating Lessor's interest with
labels provided by Lessor. Lessee will keep all Equipment free from any other
marking or labeling which might be interpreted as a claim of ownership.

11. INDEMNITY.

With regard to bodily injury and property damage liability only, Lessee will
indemnify and hold Lessor, any Assignee and any Secured Party harmless from and
against any and all claims, costs, expenses, damages and liabilities, including
reasonable attorneys' fees, arising out of the ownership (for strict liability
in tort only), selection, possession, leasing, operation, control, use,
maintenance, delivery, return or other disposition of the Equipment during the
term of this Master Lease or until Lessee's obligations under the Master Lease
terminate. However, Lessee is not responsible to a party indemnified hereunder
for any claims, costs, expenses, damages and liabilities occasioned by the
negligent acts of such indemnified party. Lessee agrees to carry bodily injury
and property damage liability insurance during the term of the Master Lease in
amounts and against risks customarily insured against by the Lessee on
equipment owned by it. Any amounts received by Lessor under that insurance will
be credited against Lessee's obligations under this Section.

12. RISK OF LOSS.

Effective upon delivery and until the Equipment is returned, Lessee relieves
Lessor of responsibility for all risks of physical damage to or loss or
destruction of the Equipment. Lessee will carry casualty insurance for each item
of Equipment in an amount not less than the Casualty Value. All policies for
such insurance will name the Lessor and any Secured Party as additional insured
and as loss payee, and will provide for at least thirty (30) days prior written
notice to the Lessor of cancellation or expiration, and will insure Lessor's
interests regardless of any breach or violation by Lessee of any
representation, warranty or condition contained in such policies and will be
primary without right of contribution from any insurance effected by Lessor.
Upon the execution of any Schedule, the Lessee will furnish appropriate
evidence of such insurance acceptable to Lessor.

Lessee will promptly repair any damaged item of Equipment unless such Equipment
has suffered a Casualty Loss. Within fifteen (15) days of a Casualty Loss,
Lessee will provide written notice of that loss to Lessor and Lessee will, at
Lessee's option, either (a) replace the item of Equipment with Like Equipment
and marketable title to the Like Equipment will automatically vest in Lessor or
(b) pay the Casualty Value and after that payment and the payment of all other
amounts due and owing with respect to that item of Equipment, Lessee's
obligation to pay further Rent for the item of Equipment will cease.

13. DEFAULT, REMEDIES AND MITIGATION.

13.1 DEFAULT. The occurrence of any one or more of the following Events of
Default constitutes a default under a Summary Equipment Schedule:

(a)     Lessee's failure to pay Rent or other amounts payable by Lessee when
due if that failure continues for five (5) business days after written notice;
or

(b)     Lessee's failure to perform any other term or condition of the Schedule
or the material inaccuracy of any representation or warranty made by the Lessee
in the Schedule or in any document or certificate furnished to the Lessor
hereunder if that failure or inaccuracy continues for ten (10) business days
after written notice; or

(c)     An assignment by Lessee for the benefit of its creditors, the failure
by Lessee to pay its debts when due, the insolvency of Lessee, the filing by
Lessee or the filing against Lessee of any petition under any bankruptcy or
insolvency law or for the appointment of a trustee or other officer with
similar powers, the adjudication of Lessee as insolvent, the liquidation of
Lessee, or the taking of any action for the purpose of the foregoing; or

(d)     The occurrence of an Event of Default under any Schedule, Summary
Equipment Schedule or other agreement between Lessee and Lessor or its Assignee
or Secured Party.

13.2 REMEDIES. Upon the occurrence of any of the above Events of Default,
Lessor, at its option, may:

(a)     enforce Lessee's performance of the provisions of the applicable
Schedule by appropriate court action in law or in equity;

(b)     recover from Lessee any damages and or expenses, including Default
Costs;

(c)     with notice and demand, recover all sums due and accelerate and recover
the present value of the remaining payment stream of all Rent due under the
defaulted Schedule (discounted at the same rate of interest at which such
defaulted Schedule was discounted with a Secured Party plus any prepayment fees
charged to Lessor by the Secured Party or, if there is no Secured Party, then
discounted at 6%) together with all Rent and other amounts currently due as
liquidated damages and not as a penalty;

(d)     with notice and process of law and in compliance with Lessee's security
requirements, Lessor may enter on Lessee's premises to remove and repossess the
Equipment without being liable to Lessee for damages due to the repossession,
except those resulting from Lessor's, its assignees', agents' or
representatives' negligence; and

(e)     pursue any other remedy permitted by law or equity.

The above remedies, in Lessor's discretion and to the extent permitted by law,
are cumulative and may be exercised successively or concurrently.

13.3 MITIGATION. Upon return of the Equipment pursuant to the terms of Section
13.2, Lessor will use its best efforts in accordance with its normal business
procedures (and without obligation to give any priority to such Equipment) to
mitigate Lessor's damages as described below. EXCEPT AS SET FORTH IN THIS
SECTION, LESSEE HEREBY WAIVES ANY RIGHTS NOW OR HEREAFTER CONFERRED BY STATUTE
OR OTHERWISE WHICH MAY REQUIRE LESSOR TO MITIGATE ITS DAMAGES OR MODIFY ANY OF
LESSOR'S RIGHTS OR REMEDIES STATED HEREIN. Lessor may sell, lease or otherwise
dispose of all or any part of the Equipment at a public or private sale for cash
or credit with the privilege of purchasing the Equipment. The proceeds from any
sale, lease or other disposition of the Equipment are defined as either:

(a)     if sold or otherwise disposed of, the cash proceeds less the Fair
Market Value of the Equipment at the expiration of the Initial Term less the
Default Costs; or

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<PAGE>   3
(b)       if leased, the present value (discounted at three percent (3%) over
the U.S. Treasury Notes of comparable maturity to the term of the re-lease) of
the rentals for a term not to exceed the Initial Term, less the Default Costs.

Any proceeds will be applied against liquidated damages and any other sums due
to Lessor from Lessee. However, Lessee is liable to Lessor for, and Lessor may
recover, the amount by which the proceeds are less than the liquidated damages
and other sums due to Lessor from Lessee.

14. ADDITIONAL PROVISIONS.

14.1 BOARD ATTENDANCE. Upon invitation of Lessee, one representative of Lessor
will have the right to attend Lessee's corporate Board of Directors meetings
and Lessee will give Lessor reasonable notice in advance of any special Board
of Directors meeting, which notice will provide an agenda of the subject matter
to be discussed at such board meeting. Lessee will provide Lessor with a
certified copy of the minutes of each Board of Directors meeting within thirty
(30) days following the date of such meeting held during the term of this
Master Lease.

14.2 FINANCIAL STATEMENTS. As soon as practicable at the end of each month (and
in any event within thirty (30) days), Lessee will provide to Lessor the same
information which Lessee provides to its Board of Directors, but which will
include not less than a monthly income statement, balance sheet and statement
of cash flows prepared in accordance with generally accepted accounting
principles, consistently applied (the "Financial Statements"). As soon as
practicable at the end of each fiscal year, Lessee will provide to Lessor
audited Financial Statements setting forth in comparative form the
corresponding figures for the fiscal year (and in any event within ninety (90)
days), and accompanied by an audit report and opinion of the independent
certified public accountants selected by Lessee. Lessee will promptly furnish
to Lessor any additional information (including, but not limited to, tax
returns, income statements, balance sheets and names of principal creditors) as
Lessor reasonably believes necessary to evaluate Lessee's continuing ability to
meet financial obligations. After the effective date of the initial
registration statement covering a public offering of Lessee's securities, the
term "Financial Statements" will be deemed to refer to only those statements
required by the Securities and Exchange Commission. 

14.3 OBLIGATION TO LEASE ADDITIONAL EQUIPMENT. Upon notice to Lessee, Lessor
will not be obligated to lease any Equipment which would have a Commencement
Date after said notice if: (i) Lessee is in default under this Master Lease or
any Schedule; (ii) Lessee is in default under any loan agreement, the result of
which would allow the lender or any secured party to demand immediate payment of
any material indebtedness; (iii) there is a material adverse change in Lessee's
credit standing; or (iv) Lessor determines (in reasonable good faith) that
Lessee will be unable to perform its obligations under this Master Lease or any
Schedule.

14.4 MERGER AND SALE PROVISIONS. Lessee will notify Lessor of any proposed
Merger at least sixty (60) days prior to the closing date. Lessor may, in its
discretion, either (i) consent to the assignment of the Master Lease and all
relevant Schedules to the successor entity, or (ii) terminate the Master Lease
and all relevant Schedules. If Lessor elects to consent to the assignment,
Lessee and its successor will sign the assignment documentation provided by
Lessor. If Lessor elects to terminate the Master Lease and all relevant
Schedules, then Lessee will pay Lessor all amounts then due and owing and a
termination fee equal to the present value (discounted at 6%) of the remaining
Rent for the balance of the Initial Term(s) of all Schedules, and will return
the Equipment in accordance with Section 9. Lessor hereby consents to any
Merger in which the acquiring entity has a Moody's Bond Rating of BA3 or
better or a commercially acceptable equivalent measure of creditworthiness as
reasonably determined by Lessor.

14.5 ENTIRE AGREEMENT. This Master Lease and associated Schedules and Summary
Equipment Schedules supersede all other oral or written agreements or
understandings between the parties concerning the Equipment including, for
example, purchase orders. ANY AMENDMENT OF THIS MASTER LEASE OR A SCHEDULE, MAY
ONLY BE ACCOMPLISHED BY A WRITING SIGNED BY THE PARTIES AGAINST WHOM THE
AMENDMENT IS SOUGHT TO BE ENFORCED.

14.6 NO WAIVER. No action taken by Lessor or Lessee will be deemed to constitute
a waiver of compliance with any representation, warranty or covenant contained
in this Master Lease or a Schedule. The waiver by Lessor or Lessee of a breach
of any provision of this Master Lease or a Schedule will not operate or be
construed as a waiver of any subsequent breach.

14.7 BINDING NATURE. Each Schedule is binding upon, and inures to the benefit
of Lessor and its assigns. LESSEE MAY NOT ASSIGN ITS RIGHTS OR OBLIGATIONS.

14.8 SURVIVAL OF OBLIGATIONS. All agreements, obligations including, but not
limited to those arising under Section 6.2, representations and warranties
contained in this Master Lease, any Schedule, Summary Equipment Schedule or in
any document delivered in connection with those agreements are for the benefit
of Lessor and any Assignee or Secured Party and survive the execution,
delivery, expiration or termination of this Master Lease.

14.9 NOTICES. Any notice, request or other communication to either party by the
other will be given in writing and deemed received upon the earlier of (1)
actual receipt or (3) three days after mailing if mailed postage prepaid by
regular or airmail to Lessor (to the attention of the "Comdisco Venture Group")
or Lessee, at the address set out in the Schedule, (3) one day after it is sent
by courier or (4) on the same day as sent via facsimile transmission, provided
that the original is sent by personal delivery or mail by the sending party.

14.10 APPLICABLE LAW. THIS MASTER LEASE HAS BEEN, AND EACH SCHEDULE WILL HAVE
BEEN MADE, EXECUTED AND DELIVERED IN THE STATE OF ILLINOIS AND WILL BE
GOVERNED AND CONSTRUED FOR ALL PURPOSES IN ACCORDANCE WITH THE LAWS OF THE
STATE OF ILLINOIS WITHOUT GIVING EFFECT TO CONFLICT OF LAW PROVISIONS. NO
RIGHTS OR REMEDIES REFERRED TO IN ARTICLE 2A OF THE UNIFORM COMMERCIAL CODE
WILL BE CONFERRED ON LESSEE UNLESS EXPRESSLY GRANTED IN THIS MASTER LEASE OR A
SCHEDULE.

14.11 SEVERABILITY. If any one or more of the provisions of this Master Lease
or any Schedule is for any reason held invalid, illegal or unenforceable, the
remaining provisions of this Master Lease and any such Schedule will be
unimpaired, and the invalid, illegal or unenforceable provision replaced by a
mutually acceptable valid, legal and enforceable provision that is closest to
the original intention of the parties.

14.12 COUNTERPARTS. This Master Lease and any Schedule may be executed in any
number of counterparts, each of which will be deemed an original, but all such
counterparts together constitute one and the same instrument. If Lessor grants
a security interest in all or any part of a Schedule, the Equipment or sums
payable thereunder, only that counterpart Schedule marked "Secured Party's
Original" can transfer Lessor's rights and all other counterparts will be
marked "Duplicate."

14.13 LICENSED PRODUCTS. Lessee will obtain no title to Licensed Products which
will at all times remain the property of the owner of the Licensed Products. A
license from the owner may be required and it is Lessee's responsibility to
obtain any required license before the use of the Licensed Products. Lessee
agrees to treat the Licensed Products as confidential information of the owner,
to observe all copyright restrictions, and not to reproduce or sell the
Licensed Products.

14.14 SECRETARY'S CERTIFICATE. Lessee will, upon execution of this Master
Lease, provide Lessor with a secretary's certificate of incumbency and
authority. Upon the execution of each Schedule with a purchase price in excess
of $1,000,000, Lessee will provide Lessor with an opinion from Lessee's counsel
in a form acceptable to Lessor regarding the representations and warranties in
Section 8.

14.15 ELECTRONIC COMMUNICATIONS. Each of the parties may communicate with the
other by electronic means under mutually agreeable terms.

14.16 LANDLORD/MORTGAGEE WAIVER. Lessee agrees to provide Lessor with a
Landlord/Mortgagee Waiver with respect to the Equipment. Such waiver shall be
in a form satisfactory to Lessor.

14.17 EQUIPMENT PROCUREMENT CHARGES/PROGRESS PAYMENTS. Lessee hereby agrees
that Lessor shall not, by virtue of its entering into this Master Lease, be
required to remit any payments to any manufacturer or other third party until
Lessee accepts the Equipment subject to this Master Lease.

14.18 DEFINITIONS.

ADVANCE - means the amount due to Lessor by Lessee upon Lessee's execution of
each Schedule.

ASSIGNEE - means any entity to whom Lessor has sold or assigned its rights as
owner and Lessor of Equipment.

CASUALTY LOSS - means the irreparable loss or destruction of Equipment.

CASUALTY VALUE - means the greater of the aggregate Rent remaining to be paid
for the balance of the lease term of the Fair Market Value of the Equipment
immediately prior to the Casualty Loss. However, if a Casualty Value Table is
attached to the relevant Schedule its terms will control.

COMMENCEMENT DATE - is defined in each Schedule.

DEFAULT COSTS - means reasonable attorney's fees and remarketing costs
resulting from a Lessee default or Lessor's enforcement of its remedies.

DELIVERY DATE - means date of delivery of Inventory Equipment to Lessee's
address.

EQUIPMENT - means the property described on a Summary Equipment Schedule and
any replacement for that property required or permitted by this Master Lease or
a Schedule.

EVENT OF DEFAULT - means the events described in Subsection 13.1.


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<PAGE>   4
FAIR MARKET VALUE - means the aggregate amount which would be obtainable in an
arm's-length transaction between an informed and willing buyer/user and an
informed and willing seller under no compulsion to sell.

INITIAL TERM - means the period of time beginning on the first day of the first
full Rent Interval following the Commencement Date for all items of Equipment
and continuing for the number of Rent Intervals indicated on a Schedule.

INTERIM RENT - means the pro-rate portion of Rent due for the period from the
Commencement Date through but not including the first day of the first full
Rent Interval included in the Initial Term.

LATE CHARGE - means the lesser of five percent (5%) of the payment due or the
maximum amount permitted by the law of the state where the Equipment is located.

LICENSED PRODUCTS - means any software or other licensed products attached to
the Equipment.

LIKE EQUIPMENT - means replacement Equipment which is lien free and of the same
model, type, configuration and manufacture as Equipment.

MERGER - means any consolidation or merger of the Lessee with or into any other
corporation or entity, any sale or conveyance of all or substantially all of
the assets or stock of the Lessee by or to any other person or entity in which
Lessee is not the surviving entity.

NOTICE PERIOD - means not less than ninety (90) days nor more than twelve (12)
months prior to the expiration of the lease term.

OWNER - means the owner of Equipment.

RENT - means the rent Lessee will pay for each item of Equipment expressed in a
Summary Equipment Schedule either as a specific amount or an amount equal to
the amount which Lessor pays for an item of Equipment multiplied by a lease
rate factor plus all other amounts due to Lessor under this Master Lease or a
Schedule.

RENT INTERVAL - means a full calendar month or quarter as indicated on a
Schedule.

SCHEDULE - means either an Equipment Schedule or a Licensed Products Schedule
which incorporates all of the terms and conditions of this Master Lease.

SECURED PARTY - means an entity to whom Lessor has granted a security interest
for the purpose of securing a loan.

SUMMARY EQUIPMENT SCHEDULE - means a certificate provided by Lessor summarizing
all of the Equipment for which Lessor has received Lessee approved vendor
invoices, purchase documents and/or evidence of delivery during a calendar
quarter which will incorporate all of the terms and conditions of the related
Schedule and this Master Lease and will constitute a separate lease for the
equipment leased thereunder.


IN WITNESS WHEREOF, the parties hereto have executed this Master Lease on or
as of the day and year first above written.


INTERNET ACCESS FINANCIAL CORPORATION      COMDISCO, INC.,
as Lessee                                  as Lessor


By:  /s/ JOHN HASHMAN                      By:   /s/ JAMES P. LABE
   -----------------------------------        -------------------------------
                                                     James P. Labe

Title:     CFO                             Title:      President
      --------------------------------           ----------------------------
                                                 COMDISCO VENTURES DIVISION





                                      -4-
<PAGE>   5
                                 ADDENDUM TO THE

                 MASTER LEASE AGREEMENT DATED AS OF MAY 22, 1998
            BETWEEN INTERNET ACCESS FINANCIAL CORPORATION., AS LESSEE
                          AND COMDISCO, INC., AS LESSOR


      The undersigned hereby agree that the terms and conditions of the
above-referenced Master Lease are hereby modified and amended as follows:

1)       Section 14.1., "BOARD ATTENDANCE"
         Delete this section in its entirety.

2)       Section 14.2., 'FINANCIAL STATEMENTS"

         In the third line, delete "Board of Directors" and replace with
         "Secured Creditors".

3)       Section 14.4., "MERGER AND SALE PROVISIONS"

         In the second line, delete "sixty (60)" and replace with "twenty (20)".

4)       Section 14.10., "APPLICABLE LAW"

         In line 4, replace the word "Illinois" with "California".

         Second sentence, delete "Article 2A of the Uniform Commercial Code" and
         insert "California Commercial Code Sections 10508-10522".

5)       Section 14.16 "LANDLORD/MORTGAGEE WAIVER"

         Delete this section in its entirety.

6)       Section 14.18., "DEFINITIONS"

         Subsection 14.18, definition "INTERIM RENT", delete "the pro-rata
         portion" and replace with "0.0208%".


INTERNET ACCESS FINANCIAL CORPORATION         COMDISCO
AS LESSEE,                                    AS LESSOR

By:  /s/ JOHN HASHMAN                         By:  /s/ JAMES P. LABE
   ---------------------------                   -------------------------------
                                                   JAMES P. LABE

                                                      PRESIDENT
Title:   CFO                                  Title:  COMDISCO VENTURES DIVISION
     -------------------------                      ----------------------------


Date:                                         Date:      JUN 17 1998
     -------------------------                      ----------------------------




<PAGE>   6


                             EQUIPMENT SCHEDULE VL-1
                             DATED AS OF MAY 22,1998
                            TO MASTER LEASE AGREEMENT
                  DATED AS OF MAY 22,1998 THE ("MASTER LEASE")




LESSEE: INTERNET ACCESS FINANCIAL           LESSOR: COMDISCO, INC.
CORPORATION

ADMIN. CONTACT/PHONE NO.:                   ADDRESS FOR ALL NOTICES:
John Hashman                                6111 North River Road
(415) 836-9710                              Rosemont, Illinois 60018
(415) 836-9701                              Attn.: Venture Group

Address for Notices:
595 Market Street, Ste 950
San Francisco, CA 94105


Central Billing Location:                   Rent Interval: Monthly
same as above


Attn.:

Lessee Reference No.:_________________
       (24 digits maximum)

Location of Equipment:                      Initial Term: 42 months
same as above                               (Number of Rent Intervals)

                                            Lease Rate Factor: 2.698%


Attn.:

EQUIPMENT (as defined below):               Advance: $20,235.00 (To be paid at
                                                     the close of each Summary
                                                     Equipment Schedule)



Equipment specifically approved by Lessor, which shall be delivered to and
accepted by Lessee during the period May 22,1998 ("Equipment Delivery Period"),
for which Lessor receives vendor invoices approved for payment, up to an
aggregate purchase price of ("Commitment Amount"); excluding custom use
equipment, leasehold improvements, installation costs and delivery costs,
rolling stock, special tooling, "stand-alone" software, application software
bundled into computer hardware, hand held items, molds and fungible items.



                                      -1-

<PAGE>   7

1.       EQUIPMENT PURCHASE

         This Schedule contemplates Lessor's acquisition of Equipment for lease
         to Lessee, either by one of the first three categories listed below or
         by providing Lessee with Equipment from the fourth category, in an
         aggregate value up to the Commitment Amount referred to on the face of
         this Schedule. If the Equipment acquired is of category (i), (ii) ,
         (ii) below, the effectiveness of this Schedule as it relates to those
         items of Equipment is contingent upon Lessee's acknowledgment at the
         time Lessor acquires the Equipment that Lessee has either received or
         approved the relevant purchase documentation between vendor and Lessor
         for that Equipment.

         (i)      NEW ON-ORDER EQUIPMENT. Lessor will purchase new Equipment
                  which is obtained from a vendor by Lessee for its use subject
                  to Lessors prior approval of the Equipment.

         (ii)     SALE-LEASEBACK EQUIPMENT. Any in-place Equipment installed at
                  Lessee's site and to which Lessee has clear title and
                  ownership may be considered by Lessor for inclusion under this
                  Lease (the "Sale-Leaseback Transaction"). Any request for a
                  Sale-Leaseback Transaction must be submitted to Lessor in
                  writing (along with accompanying evidence of Lessee's
                  Equipment ownership satisfactory to Lessor for all Equipment
                  submitted) no later than June 22, 1998 *. Lessor will not
                  perform a Sale-Leaseback Transaction for any request or
                  accompanying Equipment ownership documents which arrive after
                  the date marked above by an asterisk (*). Further, any
                  sale-leaseback Equipment will be placed on lease subject to:
                  (1) Lessor prior approval of the Equipment; and (2) if
                  approved, at Lessor's actual net appraised Equipment value
                  pursuant to the schedule below:





                  ORIGINAL EQUIPMENT INVOICE              PERCENT OF ORIGINAL MANUFACTURER'S
                            DATE                          NET EQUIPMENT COST PAID BY LESSOR
                  --------------------------              ----------------------------------
                                                     
                Between 03/24/98-06/22/98(3 mos)                         100%


Lessee represents that it has paid all California sales tax due on the cost of
that portion of Equipment to be installed in California and agrees to provide
evidence of such payment to Lessor, if specifically requested. As a result of
the election, Lessor agrees that it will not invoice Lessee for use tax on the
monthly rental rate. Lessee understands that this is an irrevocable election to
measure the tax by the Equipment cost and cannot be changed except prior to
installation of the Equipment.

         (iii)    USED ON-ORDER EQUIPMENT. Lessor will purchase used Equipment
                  which is obtained from a third party by Lessee for its use
                  subject to Lessor's prior approval of the Equipment and at
                  Lessor's appraised value for such used Equipment.

         (iv)     800 NUMBER EQUIPMENT. Upon Lessee's use of Comdisco's 1-800
                  Direct Service, Lessor will purchase new or used Equipment
                  from a third party or Lessor will supply new or used Equipment
                  from its inventory for use by Lessee at rates provided by
                  Lessor.

2.       COMMENCEMENT DATE

The Commencement Date for each item of new on-order or used on-order Equipment
will be the install date as confirmed in writing by Lessee as set forth on the
vendor invoice of which a facsimile transmission will constitute an original
document. The Commencement Date for sale-leaseback Equipment shall be the date
Lessor tenders the purchase price. The Commencement Date for 800 Number
Equipment shall be fifteen (15) days from the ship date, such ship date to be
set forth on the vendor invoice or if unavailable on the vendor invoice the ship
date will be determined by Lessor upon other supporting shipping documentation.
Lessor will summarize all approved invoices, purchase documentation and evidence
of delivery, as applicable, received in the same calendar month into a Summary
Equipment Schedule in the form attached to this Schedule as Exhibit 1, and the
Initial Term will begin the first day of the calendar month thereafter. Each
Summary Equipment Schedule will contain the Equipment location, description,
serial number(s) and cost and will incorporate the terms and conditions of the
Master Lease and this Schedule and will constitute a separate lease.



                                      -2-
<PAGE>   8

3.       OPTION TO EXTEND

         So long as no Event of Default has occurred and is continuing
hereunder, and upon written notice no earlier than twelve (12) months and no
later than ninety (90) days prior to the expiration of the Initial Term of a
Summary Equipment Schedule, Lessee will have the right to extend the Initial
Term of such Summary Equipment Schedule for a period of one (1) year. In such
event, the rent to be paid during said extended period shall be mutually agreed
upon and if the parties cannot mutually agree, then the Summary Equipment
Schedule shall continue in full force and effect pursuant to the existing terms
and conditions until terminated in accordance with its terms. The Summary
Equipment Schedule will continue in effect following said extended period until
terminated by either party upon not less than ninety (90) days prior written
notice, which notice shall be effective as of the date of receipt.

4.       PURCHASE OPTION

         So long as no Event of Default has occurred and is continuing
hereunder, and upon written notice no earlier than twelve (12) months and no
later than ninety (90) days prior to the expiration of the Initial Term or the
extended term of the applicable Summary Equipment Schedule, Lessee will have the
option at the expiration of the Initial Term of the Summary Equipment Schedule
to purchase all, but not less than all, of the Equipment listed therein for a
purchase price not to exceed 15% of Lessor's cost hereunder and upon terms and
conditions to be mutually agreed upon by the parties following Lessee's written
notice, plus any taxes applicable at time of purchase. Said purchase price shall
be paid to Lessor at least thirty (30) days before the expiration date of the
Initial Term or extended term. Title to the Equipment shall automatically pass
to Lessee upon payment in full of the purchase price but, in no event, earlier
than the expiration of the fixed Initial Term or extended term, if applicable.
If the parties are unable to agree on the purchase price or the terms and
conditions with respect to said purchase, then the Summary Equipment Schedule
with respect to this Equipment shall remain in full force and effect.
Notwithstanding the exercise by Lessee of this option and payment of the
purchase price, until all obligations under the applicable Summary Equipment
Schedule have been fulfilled, it is agreed and understood that Lessor shall
retain a purchase money security interest in the Equipment listed therein and
the Summary Equipment Schedule shall constitute a Security Agreement under the
Uniform Commercial Code of the state in which the Equipment is located.

5.       TECHNOLOGY EXCHANGE OPTION

         IF Lessee is not in default, and there is no material adverse change in
Lessee's credit, on or after the expiration of the 12th month of any Summary
Equipment Schedule, Lessee shall have the option to replace any of the Equipment
subject to such summary Equipment Schedule with new technology equipment ("New
Technology Equipment") utilizing the following guidelines:

A. Equipment being replaced with New Technology Equipment shall have an
aggregate original cost equal to or greater than $20,000 and be comprised of
full configurations of equipment.

B. This technology Exchange Option shall be limited to a maximum in the
aggregate of fifty percent (50%) of the original equipment cost and shall not
apply to software.

C. The cost of the New Technology Equipment must be equal to or greater than the
original equipment cost of the replaced equipment, but in no event shall exceed
150% of the original equipment cost.

D. The remaining lease payments applicable to the equipment being replaced by
the New Technology Equipment will be discounted to present value at 6%.

The wholesale market value of the equipment being replaced will be established
by Comdisco based upon then current market conditions. Upon the return of the
replaced equipment, the wholesale price will be deducted from the present value
of the remaining rentals and the differential will be added to the cost of the
New Technology Equipment in calculating the new rental. The lease for the New
Technology Equipment will contain terms and conditions substantially similar to
those for the replaced equipment and will have an Initial Term not less than the
balance of the remaining Initial Term for the replaced equipment.


                                      -3-
<PAGE>   9


6.       EQUITY INVESTMENT

In consideration of Lessor financing hereunder, Lessee will invest $100,000 in
the Series C Preferred Stock equity financing at a purchase price equal to the
purchase price established at the final closing of the Series C Preferred Stock
financing.

7.       SPECIAL TERMS

The terms and conditions of the Lease as they pertain to this Schedule are
hereby modified and amended as follows:

Master Lease: This Schedule is issued pursuant to the Lease identified on page 1
of this Schedule. All of the terms and conditions of the Lease are incorporated
in and made a part of this Schedule as if they were expressly set forth in this
Schedule. The parties hereby reaffirm all of the terms and conditions of the
Lease (including, without limitation, the representations and warranties set
forth in Section 8) except as modified herein by this Schedule. This Schedule
may not be amended or rescinded except by a writing signed by both parties.


      INTERNET ACCESS FINANCIAL CORPORATION    COMDISCO, INC.
      AS LESSEE                                AS LESSOR


      By:  /s/ JOHN HASHMAN                    By:   /s/ JAMES P LABE
         -------------------------------           -----------------------------
                                                             JAMES P LABE
      Title:  CFO                              TITLE:         PRESIDENT
            ----------------------------             ---------------------------
                                                     COMDISCO VENTURES DIVISION
      Date:    6-15-98                         Date:  JUN 17 1998
           -----------------------------           -----------------------------



                                      -4-
<PAGE>   10
                                    EXHIBIT 1

                           SUMMARY EQUIPMENT SCHEDULE

             This Summary Equipment Schedule dated XXXX is executed pursuant to
      Equipment Schedule No. X to the Master Lease Agreement dated XXXX between
      Comdisco, Inc. ("Lessor) and XXXX ("Lessee"). All of the terms,
      conditions, representations and warranties of the Master Lease Agreement
      and Equipment Schedule No. X are incorporated herein and made a part
      hereof, and this Summary Equipment Schedule constitutes a Schedule for the
      Equipment on the attached invoices.


1.       For Period Beginning:               And Ending:


2.       Initial Term Starts on:             Initial Term:
                                             (Number of Rent Intervals)


3.       Total Summary Equipment Cost:


4.       Lease Rate Factor:


5.       Rent:


6.       Acceptance Doc Type:



                                      -5-
<PAGE>   11
                             EQUIPMENT SCHEDULE VL-2
                             DATED AS OF MAY 22,1998
                            TO MASTER LEASE AGREEMENT
                  DATED AS OF MAY 22,1998 (THE "MASTER LEASE")





LESSEE:  INTERNET ACCESS FINANCIAL            LESSOR: COMDISCO, INC.
         CORPORATION

ADMIN. CONTACT/PHONE NO.:                     ADDRESS FOR ALL NOTICES:
John Hashman                                  6111 North River Road
(415) 836-9710                                Rosemont, Illinois 60018
(415) 836-9701                                Attn.: Venture Group

Address for Notices:
595 Market Street
suite 950
San Francisco, CA 94105



Central Billing Location:                     Rent Interval: Monthly
same as above


Attn.:

Lessee Reference No.:
                     ------------
       (24 digits maximum)

Location of Equipment:                        Initial Term: 42 months
                                              (Number of Rent Intervals)

                                              Lease Rate Factor: 2.698%

Attn.:
       EQUIPMENT (as defined below):          o Advance: $6,745.00 (To be
                                                paid at the close of
                                                each Summary Equipment
                                                Schedule)


Software and tenant improvements specifically approved by Lessor, which shall be
delivered to and accepted by Lessee during the period May 22, 1998 through May
22, 2000 ("Equipment Delivery Period") for which Lessor receives vendor invoices
approved for payment, up to an aggregate purchase price ("Commitment Amount");
excluding custom use equipment, installation costs and delivery costs, rolling
stock, special tooling, hand held items, molds and fungible items.



                                      -1-
<PAGE>   12

1.       EQUIPMENT PURCHASE

This Schedule contemplates Lessor's acquisition of Equipment for lease to
Lessee, either by one of the first three categories listed below or by providing
Lessee with Equipment from the fourth category, in an aggregate value up to the
Commitment Amount referred to on the face of this Schedule. If the Equipment
acquired is of category (i), (ii) , (iii) below, the effectiveness of this
Schedule as it relates to those items of Equipment is contingent upon Lessee's
acknowledgment at the time Lessor acquires the Equipment that Lessee has either
received or approved the relevant purchase documentation between vendor and
Lessor for that Equipment.

         (i)      NEW ON-ORDER EQUIPMENT. Lessor will purchase new Equipment
                  which is obtained from a vendor by Lessee for its use subject
                  to Lessor's prior approval of the Equipment.

         (ii)     SALE-LEASEBACK EQUIPMENT. Any in-place Equipment installed at
                  Lessee's site and to which Lessee has clear title and
                  ownership may be considered by Lessor for inclusion under this
                  Lease (the "Sale-Leaseback Transaction"). Any request for a
                  Sale-Leaseback Transaction must be submitted to Lessor in
                  writing (along with accompanying evidence of Lessee's
                  Equipment ownership satisfactory to Lessor for all Equipment
                  submitted) no later than June 22, 1998 *. Lessor will not
                  perform a Sale-Leaseback Transaction for any request or
                  accompanying Equipment ownership documents which arrive after
                  the date marked above by an asterisk (*). Further, any
                  sale-leaseback Equipment will be placed on lease subject to:
                  (1) Lessor prior approval of the Equipment; and (2) if
                  approved, at Lessor's actual net appraised Equipment value
                  pursuant to the schedule below:




                  ORIGINAL EQUIPMENT INVOICE         PERCENT OF ORIGINAL MANUFACTURER'S
                            DATE                     NET EQUIPMENT COST PAID BY LESSOR
                  --------------------------         ----------------------------------
                                                 
                  Between 03/24/98-06/22/98(3 mos)                  100%



Lessee represents that it has paid all California sales tax due on the cost of
that portion of Equipment to be installed in California and agrees to provide
evidence of such payment to Lessor, if specifically requested. As a result of
the election, Lessor agrees that it will not invoice lessee for use tax on the
monthly rental rate. Lessee understands that this is an irrevocable election to
measure the tax by the Equipment cost and cannot be changed except prior to
installation of the Equipment.

         (iii)    USED ON-ORDER EQUIPMENT. Lessor will purchase used Equipment
                  which is obtained from a third party by Lessee for its use
                  subject to Lessor's prior approval of the Equipment and at
                  Lessor's appraised value for such used Equipment.

         (iv)     800 NUMBER EQUIPMENT. Upon Lessee's use of Comdisco's 1-800
                  Direct Service, Lessor will purchase new or used Equipment
                  from a third party or Lessor will supply new or used Equipment
                  from its inventory for use by Lessee at rates provided by
                  Lessor.

2.       COMMENCEMENT DATE

        The Commencement Date for each item of new on-order or used on-order
Equipment will be the install date as confirmed in writing by Lessee as set
forth on the vendor invoice of which a facsimile transmission will constitute an
original document. The Commencement Date for sale-leaseback Equipment shall be
the date Lessor tenders the purchase price. The Commencement Date for 800 Number
Equipment shall be fifteen (15) days from the ship date, such ship date to be
set forth on the vendor invoice or if unavailable on the vendor invoice the ship
date will be determined by Lessor upon other supporting shipping documentation.
Lessor will summarize all approved invoices, purchase documentation and evidence
of delivery, as applicable, received in the same calendar month into a Summary
Equipment Schedule in the form attached to this Schedule as Exhibit 1, and the
Initial Term will begin the first day of the calendar month thereafter. Each
Summary Equipment Schedule will contain the Equipment location, description,
serial number(s) and cost and will incorporate the terms and conditions of the
Master Lease and this Schedule and will constitute a separate lease.

3.      MISCELLANEOUS

        In consideration of Lessor financing software and tenant improvements
hereunder, Lessee agrees in addition to its last Monthly Rent Payment to remit
to Lessor an amount equal to 11% of Lessor's aggregate cost of software and
tenant improvements provided hereunder.



                                      -2-

<PAGE>   13

        SPECIAL TERMS

        The terms and conditions of the Lease as they pertain to this Schedule
        are hereby modified and amended as follows:

        (a)     Section 9, Delivery and Return of Equipment

        Delete second, third and fourth sentences in their entirety.

Master Lease: This Schedule is issued pursuant to the Lease identified on page 1
of this Schedule. All of the terms and conditions of the Lease are incorporated
in and made a part of this Schedule as if they were expressly set forth in this
Schedule. The parties hereby reaffirm all of the terms and conditions of the
Lease (including, without limitation, the representations and warranties set
forth in Section 8) except as modified herein by this Schedule. This Schedule
may not be amended or rescinded except by a writing signed by both parties.


      INTERNET ACCESS FINANCIAL CORPORATION    COMDISCO, INC.
      AS LESSEE                                AS LESSOR


      By:  /s/ JOHN HASHMAN                    By:   /s/ JAMES P. LABE
         -------------------------------           -----------------------------
                                                             JAMES P LABE
      Title:  CFO                              TITLE:         PRESIDENT
            ----------------------------             ---------------------------
      PRESIDENT                                      COMDISCO VENTURES DIVISION
      Date:    6-15-98                         Date:  JUN 17 1998
           -----------------------------           -----------------------------



                                      -3-
<PAGE>   14

                                    EXHIBIT 1

                           SUMMARY EQUIPMENT SCHEDULE


        This Summary Equipment Schedule dated XXXX is executed pursuant to
Equipment Schedule No. X to the Master Lease Agreement dated XXXX between
Comdisco, Inc. ("Lessor") and XXXX ("Lessee"). All of the terms, conditions,
representations and warranties of the Master Lease Agreement and Equipment
Schedule No. X are incorporated herein and made a part hereof, and this Summary
Equipment Schedule constitutes a Schedule for the Equipment on the attached
invoices.



1.      For Period Beginning:                     And Ending:
                                            


2.      Initial Term Starts on:                   Initial Term:
                                                                            
                                                  (Number of Rent Intervals)


3.      Total Summary Equipment Cost:



4.      Lease Rate Factor:



5.      Rent:



6.      Acceptance Doc type:


                                      -4-