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[COMDISCO LOGO]
                                                          MASTER LEASE AGREEMENT
                                                                01-M09451-00


       A TECHNOLOGY SERVICES COMPANY                        

MASTER LEASE AGREEMENT dated September 2, 1998 by and between COMDISCO, INC.
("Lessor") and Abacus Direct Corporation ("Lessee").

IN CONSIDERATION of the mutual agreements described below, the parties agree as
follows (all capitalized terms are defined in Section 14.13):

1. PROPERTY LEASED.

     Lessor leases to Lessee all of the Equipment described on each Schedule. In
the event of a conflict, the terms of a 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 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, in immediately available funds, on the
first day of each Rent Interval to the payee and at the location specified in
Lessor's invoice. Interim Rent is due and payable when invoiced. If any payment
is not made when due, Lessee will pay interest at the Overdue Rate.

4. SELECTION AND 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.

     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
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 negligent acts of Lessor. In no
event is Lessor responsible for special, incidental or consequential damages.

5. TITLE 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, 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 Schedules as appropriate. Except as provided in
Sections 5.2 and 7.2, 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 Lessor, Owner, any Assignee and Secured Party
harmless from and against any loss caused by Lessee's failure to do so.

     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) the sublease is
not to a leasing entity affiliated with the manufacturer of the Equipment
described on the Schedule. Lessor acknowledges Lessee's right to sublease for a
term which extends beyond the expiration of the Initial Term. If Lessee
subleases the Equipment for a term extending beyond the expiration of such
Initial Term of the applicable Schedule, Lessee shall remain obligated upon the
expiration of the Initial Term to return such Equipment, or, at Lessor's sole
discretion to (i) return Like Equipment or (ii) negotiate a mutually acceptable
lease extension or purchase. If the parties cannot mutually agree upon the terms
of an extension or purchase, the term of the Schedule will extend upon the
original terms and conditions until terminated pursuant to Section 2.

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

     5.3 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;

      (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; and

      (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 AND TAXES AND FEES.

     6.1 Net Lease. Each Schedule constitutes a net lease. Lessee's obligation
to pay Rent and all other amounts 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 Schedule against Lessor, Lessee or the Equipment by any
governmental authority (except only Federal, state and local taxes on the
capital or the net income of Lessor). Lessor will file all personal property tax
returns for the Equipment and pay all property taxes due. Lessee will reimburse
Lessor for property taxes within thirty (30) days of receipt of an invoice.

7. CARE, USE AND MAINTENANCE, ATTACHMENTS AND RECONFIGURATIONS AND 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, Lessee will
maintain in force a standard maintenance contract with the manufacturer of the
Equipment, or another party acceptable to Lessor, and upon request will provide
Lessor with a complete copy of that contract. If Lessee has the Equipment
maintained by a party other than the manufacturer, 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.
The lease term will continue upon the same terms and conditions until
recertification has been obtained.

     7.2 Attachments and Reconfigurations. Upon prior written notice to Lessor,
Lessee may reconfigure and install Attachments on the Equipment. In the event of
such a Reconfiguration or Attachment, Lessee shall, upon return of the
Equipment, at its expense, restore the Equipment to the original configuration
specified on the Schedule in accordance with the manufacturer's specifications
and in the same operating order, repair and appearance as when installed (normal
wear and tear excluded). If any parts are removed from the Equipment during the
Reconfiguration or Attachment, the restoration will include, at Lessee's option,
the installation of either the original removed parts or Like Parts.
Alternatively, with Lessor's prior written consent which will not be
unreasonably withheld, Lessee may return the Equipment with any Attachment or
upgrade. If any parts of the Equipment are removed during a Reconfiguration or
Attachment, Lessor may require Lessee to provide additional security,
satisfactory to the Lessor, in order to ensure performance of Lessee's
obligations set forth in this subsection. Neither Attachments nor parts
installed on Equipment in the course of Reconfiguration shall be accessions to
the Equipment.

     However, if the Reconfiguration or Attachment (i) adversely affects
Lessor's tax benefits relating to the Equipment; (ii) is not capable of being
removed without causing material damage to the Equipment; or (iii) if at the
time of the Reconfiguration or Attachment the manufacturer does not offer on a
commercial basis a means for the removal of the additional items; then such
Reconfiguration or


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Attachment is subject to the prior written consent of Lessor.

     7.3 Inspection by Lessor. Upon request, 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 represents and warrants that for the Master Lease and each Schedule:

      (a)  The execution, delivery and performance of the Lessee have been duly
           authorized by all necessary corporate action;

      (b)  The individual executing was duly authorized to do so;

      (c)  The Master Lease and each Schedule constitute legal, valid and
           binding agreements of the Lessee enforceable in accordance with their
           terms; and

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

9. DELIVERY AND RETURN OF EQUIPMENT.

     Lessee assumes the full expense of transportation and in-transit insurance
to Lessee's premises and for installation of the Equipment. Upon expiration or.
termination of each Schedule, Lessee will, at Lessor's instructions and at
Lessee's expense (including transportation and in-transit insurance), have the
Equipment deinstalled, audited by the manufacturer, packed and shipped in
accordance with the manufacturer's specifications and returned to Lessor in the
same operating order, repair and appearance as when installed (ordinary wear and
tear excluded), to a location within the continental United States as directed
by Lessor. All items returned to Lessor in addition to the Equipment become
property of Lessor.

10. LABELING.

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

11. INDEMNITY.

     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 attorney's 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. 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.

     12.1 Lessee's Risk of Loss. It the Schedule indicates that the Lessee has
responsibility for the risk of loss of the Equipment, then the following terms
will apply:

     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. The Lessee will furnish
appropriate evidence of such insurance.

     Lessee shall 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 Lessor'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, Lessee's obligation to pay further Rent for the item of
Equipment will cease.

     12.2 Lessor's Risk of Loss. If the Schedule indicates that the Lessor has
responsibility for the risk of loss of the Equipment, then the following terms
will apply:

     Effective upon delivery and throughout the Initial Term of a Schedule and
any extension, Lessor agrees to insure the Equipment against physical damage to
or loss or destruction due to external cause as specified by the terms of
Lessor's then current insurance policy. Lessor relieves Lessee of responsibility
for physical damage to or loss or destruction of Equipment reimbursed by that
insurance. Lessee will give Lessor prompt notice of any damage, loss or
destruction to any item of Equipment and Lessor will determine within fifteen
(15) days of its receipt of that notice whether the item has suffered a Casualty
Loss.

     If any item of Equipment suffers damage or a Casualty Loss which is
reimbursable under Lessor's insurance, upon payment by Lessee of Lessor's
deductible, Lessor will: (i) (for damaged Equipment) arrange and pay for the
repair of any damaged item of Equipment; or (ii) (for any Casualty Loss) at
Lessor's option either replace the item of Equipment with Like Equipment, or
upon payment of all other amounts due by Lessee terminate the relevant Schedule
as it relates to that item of Equipment.

     If any item of Equipment suffers damage or a Casualty Loss which is not
reimbursable under Lessor's insurance. then Lessee will comply with the
provisions of the last paragraph of Section 12.1 regarding repair, replacement
or payment of Casualty Value.

     If Lessor fails to maintain insurance coverage as required by this
subsection 12.2, Lessee will assume such risk of loss and, at the request of any
Assignee or Secured Party, will promptly provide insurance coverage. This
paragraph does not relieve Lessor of its obligations to maintain coverage of the
Equipment.

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 Schedule:

      (a)  Lessee's failure to pay Rent or other amounts payable by Lessee when
           due if that failure continues for ten (10) 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 fifteen (15) 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 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 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

      (b)  if leased. the present value (discounted at three points over the
           prime rate as referenced in the Wall Street Journal at the time of
           the mitigation) 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.


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14. ADDITIONAL PROVISIONS.

      14.1 Entire Agreement. This Master Lease and associated 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 PARTY AGAINST WHOM THE AMENDMENT IS SOUGHT TO BE ENFORCED.

      14.2 No Waiver. No action taken by Lessor or Lessee shall 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.

     14.3 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.

     14.4 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 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.

      14.5 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
actual receipt or three days after mailing if mailed postage prepaid by regular
or airmail to Lessor (to the attention of "Lease Administrator") or Lessee, at
the address set out in the Schedule or, one day after it is sent by courier or
facsimile transmission if receipt is verified by the receiving party.

      14.6 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.

      14.7 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.

      14.8 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".

      14.9 Nonspecified Features and Licensed Products. If the Equipment is
supplied from Lessor's inventory and contains any features not specified in the
Schedule, Lessee grants Lessor the right to remove any such features. Any
removal will be performed by the manufacturer or another party acceptable to
Lessee, upon the request of Lessor, at a time convenient to Lessee, provided
that Lessee will not unreasonably delay the removal of such features.

      Lessee shall 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.

      14.10 Additional Documents. Lessee will, upon execution of this Master
Lease and as may be requested thereafter, provide Lessor with a secretary's
certificate of incumbency and authority and any other documents reasonably
requested by Lessor. Upon the execution of each Schedule with an aggregate Rent
in excess of $2,000,000, Lessee will provide Lessor with an opinion from
Lessee's counsel regarding the representations and warranties in Section 8.
Lessee will furnish, upon request, audited financial statements for the most
recent period.

      14.11 Electronic Communications. Each of the parties may communicate with
the other by electronic means under mutually agreeable terms.

      14.12 Lessor's Right to Match. Lessee's rights under Section 5.2 and 7.2
are subject to Lessor's right to match any sublease or upgrade proposed by a
third party. Lessee will provide Lessor with the terms of the third party offer
and Lessor will have three (3) business days to match the offer. Lessee shall
obtain such upgrade from or sublease the Equipment to Lessor if Lessor has
timely matched the third party offer.

      14.13 Definitions.

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

ATTACHMENT - means any accessory, equipment or device and the installation
thereof that does not impair the original function or use of the Equipment and
is capable of being removed without causing material damage to the Equipment and
is not an accession to the 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 or 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 CERTIFICATE - means the Lessor provided certificate which must be
signed by Lessee within ten days of the Commencement Date as requested by
Lessor.

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.

EQUIPMENT - means the property described on a Schedule and any replacement for
that property required or permitted by this Master Lease or a Schedule but not
including any Attachment.

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

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.

INSTALLATION DATE - means the day on which Equipment is installed and qualified
for a commercially available manufacturer's standard maintenance contract or
warranty coverage, if available.

INTERIM RENT - means the pro-rata 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.

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.

LIKE PART - means a substituted part which is lien free and of the same
manufacturer and part number as the removed part, and which when installed on
the Equipment will be eligible for maintenance coverage with the manufacturer of
the Equipment.

NOTICE PERIOD - means the time period described in a Schedule during which
Lessee may give Lessor notice of the termination of the term of that Schedule.

OVERDUE RATE - means the lesser of 18% per year or the maximum rate permitted by
the law of the state where the Equipment is located.

OWNER - means the owner of Equipment.

RECONFIGURATION - means any change to Equipment that would upgrade or downgrade
the performance capabilities of the Equipment in any way.

RENT - means the rent, including Interim Rent, Lessee will pay for each item of
Equipment expressed in a 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 an Equipment Schedule which incorporates all of the terms and
conditions of this Master Lease and, for purposes of Section 14.8, its
associated Commencement Certificate(s).

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

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

Abacus Direct Corporation                    
--------------------------------             COMDISCO, INC.,
as Lessee                                    as Lessor


By: /s/ CARLOS SALA                          By: /s/ MICHAEL J. ROSS
   -----------------------------                --------------------------  

Title:  CFO                                  Title:
      --------------------------                   -----------------------     

                                                                          rmh 

<PAGE>   4




                                    ADDENDUM
                TO MASTER LEASE AGREEMENT DATED SEPTEMBER 2, 1998
                                     BETWEEN
                      ABACUS DIRECT CORPORATION, AS LESSEE,
                                       AND
                            COMDISCO, INC., AS LESSOR


                                   WITNESSETH

WHEREAS, Lessee and Lessor will enter into a Master Lease Agreement dated as of
September 2, 1998 (the "Master Lease");

WHEREAS, Lessee and Lessor desire to add this addendum to the Master Lease
effective September 2, 1998;

NOW THEREFORE, for and in consideration of the agreements herein contained and
for other good and valuable consideration receipt and sufficiency of which is
hereby acknowledged, Lessee and Lessor agree as follows:

1)       Section 14.6; Applicable Law.

         In line 3 and line 4 delete the word "Illinois" and replace it with the
         word "Colorado".

IN WITNESS WHEREOF, Lessee and Lessor have caused this Addendum to be executed
as of the date first written above.

ABACUS DIRECT CORPORATION                         COMDISCO, INC.
as Lessee                                         as Lessor

By: /s/ CARLOS SALA                               By: /s/ MICHAEL J. ROSS
   ---------------------------                        ------------------------- 
Title:  CFO                                       Title:
      ------------------------                          -----------------------
Date:                                             Date:
     -------------------------                          -----------------------

<PAGE>   5
                            EQUIPMENT SCHEDULE NO. 1

                            DATED SEPTEMBER 2, 1998

       TO MASTER LEASE AGREEMENT DATED SEPTEMBER 2, 1998 ("Master Lease")


LESSEE: ABACUS DIRECT CORPORATION               LESSOR: COMDISCO, INC.

ADDRESS FOR LEGAL NOTICES:                      ADDRESS FOR ALL NOTICES:

8774 Yates Drive                                6111 North River Road
Westminster, CO 80030                           Rosemont, Illinois 60018 
                                                Attn: Client Server Product
                                                      Group

ATTN: Corporate Secretary

ADDRESS FOR ADMINISTRATIVE CORRESPONDENCE:      ADDRESS FOR INVOICES:

8774 Yates Drive                                8774 Yates Drive
Westminster, CO 80030                           Westminster, CO 80030



ATTN: Mr. John Sullivan                         ATTN: Mr. John Sullivan
PHONE: 303-487-5402
FAX: 303-487-5454                               LESSEE REFERENCE NO:

                                                (24 digits maximum)

                                                INITIAL TERM/
LOCATION OF EQUIPMENT:                          RENT INTERVAL:     36 months 

8774 Yates Drive                                LEASE RATE FACTOR:  .027779
Westminster, CO 80030                           

ATTN: Mr. John Sullivan                         ESTIMATED RENT: $29,317.12/month
PHONE: 303-487-5402                             

                                                TRANSPORTATION CHARGES:  
                                                ----------------------  

                                                Lessee Pays Vendor Directly

EQUIPMENT (AS DEFINED BELOW):

<TABLE>
<CAPTION>
ITEM                       MACHINE     MODEL/
NO.       QTY.      MFG.    TYPE       FEATURE     DESCRIPTION   SERIAL NUMBER
---       ----      ----    ----       --------    -----------   ---------------      
<S>       <C>       <C>     <C>        <C>         <C>            <C>

</TABLE>

SEE ATTACHED INVOICE #0004809-IN, 0004810-IN DATED 7/31/98 FROM BERGER & CO. AND
INVOICE #INV-0010090 DATED 7/24/98, BB1 057367, BB1 057361 DATED 6/29/98 FROM
ADVANCED SYSTEMS GROUP ATTACHED FOR EQUIPMENT DESCRIPTION PURPOSES ONLY.


<PAGE>   6



RISK OF LOSS: Pursuant to the Master Lease, Lessor and Lessee agree that the
risk of loss is the responsibility of the Lessee.

NOTICE PERIOD: The Notice Period will be not less than ninety (90) days nor more
than twelve (12) months prior to the expiration of the Initial Term, or any
extension thereof. If Lessee gives proper written notice of termination but
fails to return the Equipment on the expiration date of the Initial Term, or any
extension thereof, the Schedule will continue in full force and effect and
Lessee will be required to provide an additional sixty (60) days written notice
of termination. Such termination will be effective at the end of the month in
which the last day of the sixty (60) day notice requirement occurs. The Rent
will continue at the current rate until the effective date of the written notice
of termination and the Equipment is properly returned.

SPECIAL TERMS: The following additional terms are a part of this Equipment
Schedule. The terms and conditions of the Master Lease Agreement as they pertain
to this Equipment Schedule are modified and amended as follows:


1.    COMMENCEMENT DATE AND PURCHASE/LEASEBACK

      The Commencement Date for each item of Equipment will be the day on which
      that item is installed and qualified for a commercially available
      manufacturer's standard maintenance contract or warranty coverage, if
      available. For Equipment not being provided by IBM, Lessee agrees to
      confirm the Commencement Date by providing Lessor with either a
      Commencement Certificate in the form provided by Lessor or the vendor's
      invoice containing the Equipment location, description, serial number,
      manufacturer part number and cost, the Commencement Date and Lessee's
      signature, within ten (10) days of the Commencement Date. Lessor will not
      be obligated to pay any invoice which does not contain the manufacturer's
      part number. The Initial Term will begin on the first day of the calendar
      quarter following the Commencement Date for all items of Equipment.

      Lessor's obligations under this Equipment Schedule and the periodic Rent
      described in this Equipment Schedule are contingent upon Lessor purchasing
      the Equipment for an aggregate amount of approximately $1,055,373.00
      pursuant to satisfactory purchase documentation. Lessee acknowledges that
      it has either received or approved Lessor's purchase documentation for the
      Equipment. If the Commencement Date occurs later than October 1, 1998
      ("Outside Date"), if the Commencement Certificate or vendor invoices are
      not provided within ten (10) days of the Commencement Date, or if the cost
      or configuration of the Equipment changes, Lessor may adjust the Lease
      Rate Factors or the periodic Rent to reflect any additional costs or
      expense resulting from those changes.

2.    INTEREST RATE CHANGE

      The Lease Rate Factors or the periodic Rent described in this Equipment
      Schedule have been calculated using an interest rate based on the 3-year
      U.S. Treasury Constant Maturity of 5.35% as described in the Federal
      Reserve Statistical Release H.15 ("Treasury Rate"). If the Commencement
      Date for the last item of Equipment prior to the beginning of the Initial
      Term occurs later than October 1, 1998 and the Treasury Rate is greater,
      or there is an adverse change in Lessee's credit standing, Lessor may
      adjust the Lease Rate Factors or the periodic Rent for all items of
      Equipment accordingly.

3.    VENDOR CREDITS

      If after the Commencement Date for an item of Equipment, Lessee finds such
      item of Equipment to be inoperable; Lessee will seek recourse solely
      against the vendor of the Equipment for resolution of any problems
      concerning performance of the Equipment. If the item of Equipment is
      replaced by the vendor, Lessee agrees to provide Lessor with the serial
      number for the replacement equipment within 10 days of replacement. Lessor
      will not process any invoices associated with the Equipment being returned
      to vendor or the replacement equipment.

      Notwithstanding the foregoing, if after the Commencement Date for an item
      of Equipment, Lessee finds that (i) the vendor has over-charged for an
      item of Equipment, or (ii) the vendor has shipped an incorrect item of
      Equipment, upon 30 days prior written notice from Lessee, Lessor agrees to
      process any credits received from the vendor and apply the credits to the
      Rent hereunder. The rental adjustment will be effective on Lessor's next
      billing cycle following the 30-day notice period.


<PAGE>   7




4.    MODEL UPGRADE

      During the Initial Term of this Equipment Schedule, so long as Lessee is
      not in default and there has been no material adverse change in Lessee's
      credit standing at the time, Lessee will lease and Lessor will finance new
      or supply used, all model upgrades to the Equipment pursuant to mutually
      agreeable terms and conditions and at an amount which would be obtainable
      at the commencement of the Initial Term for the model upgrade in an
      arm's-length transaction between an informed and willing lessee/user and
      an informed and willing lessor/dealer under no compulsion to lease.

5.    RECERTIFICATION

      Lessee may return the Equipment to Lessor recertified pursuant to Section
      7.1 of the Master Lease or Lessee may return the Equipment to Lessor
      without the Equipment being recertified, provided however, Lessee will pay
      all costs and expenses incurred by Lessor to bring the Equipment to the
      then current release, revisions and engineering change levels, and to
      re-certify the Equipment as eligible for manufacturer's maintenance upon
      the expiration of the lease term.

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

ABACUS DIRECT CORPORATION                COMDISCO, INC.
as Lessee                                as Lessor

By: /s/ CARLOS SALA                     By: /s/ WILLIAM J. SKRZYPCZAK
   ----------------------------             ------------------------------
Title:   CFO                             Title: Vice President, Client Server
                                                Systems  
      -------------------------                ---------------------------
Date:                                    Date:
     --------------------------                ---------------------------
<PAGE>   8




                        ASSIGNMENT OF ON-ORDER EQUIPMENT


Assignor:  ABACUS DIRECT CORPORATION         Assignee:  COMDISCO, INC.
           8774 Yates Drive                             6111 North River Road
           Westminster, CO 80030                        Rosemont, IL 60018

Attn:      Mr. John Sullivan                 Attn:      Client Server Product
                                                        Group

Vendor:    ADVANCED SYSTEMS GROUP
           12301 North Grant Street, Suite 130
           Denver, CO 80241

Attn:      Ms. Flo Harlor


Effective September 2, 1998, Assignor assigns to Assignee the right to purchase
the equipment (the "Equipment") described on the attached Invoices dated July
24, 1998 and June 29, 1998 which Assignor presently has on order with the Vendor
(the "Purchase Agreement"). Assignee accepts the assignment by Assignor to
purchase the Equipment in accordance with the terms of the Purchase Agreement
and this Assignment Agreement.

1.    LEASE

      The parties agree that this agreement has been entered on the basis that
      the Equipment will be leased by Assignee to Assignor pursuant to Equipment
      Schedule No. 1 to the Master Lease Agreement dated as of September 2, 1998
      between Assignor and Assignee (collectively the "Lease").

2.    TITLE

      Vendor and Assignor agree that title to each item of Equipment will vest
      in Assignee on the date that item of Equipment is shipped to Assignor.
      Assignee agrees that Vendor will have a purchase money security interest
      in each item of Equipment until full payment of the purchase price is made
      to Vendor for that item.

3.    PURCHASE AGREEMENT OBLIGATIONS/PAYMENT

      Assignee will be obligated to pay the purchase price for the Equipment.
      Assignor will be responsible for all other obligations of Purchaser under
      the Purchase Agreement. Assignee's obligation to pay the purchase price
      will only be for Equipment which is installed and accepted by Assignor and
      will be payable promptly following the receipt by Assignee of (i) a
      Commencement Certificate in a form satisfactory to Assignee evidencing
      Assignor's acceptance of such Equipment, and (ii) an invoice which
      contains the manufacturer part number and which has been approved by
      Assignor for the Equipment. Assignee will not be obligated to pay any
      invoice which does not contain the manufacturer's part number. Vendor will
      look solely to Assignor for payment prior to the date Assignee is
      obligated to pay if the Purchase Agreement requires earlier payment, and
      Assignee will reimburse Assignor the purchase price Assignor has paid
      following Assignor's acceptance of the Equipment, provided, however, title
      to the Equipment will nevertheless vest in Assignee as provided above.

Payment may be expedited to Vendor following the satisfaction of the conditions
precedent set forth above in the following circumstances and manner.

      (a)     If Assignee has received a duplicate EDI invoice (ANSI-810) from
              Vendor or Assignor, contemporaneously with matching such invoice
              issuance by Vendor, payment and related remittance advice
              (ANSI-820) will be issued on or about three (3) business days
              after Assignee's receipt of the last item constituting a condition
              precedent to such payment.


<PAGE>   9




Assignor and Assignee agree to deliver to Vendor in a timely fashion, all
documents required for submission to Vendor, to permit the assignment and
purchase of the Equipment.

ASSIGNOR: ABACUS DIRECT CORPORATION          ASSIGNEE:  COMDISCO, INC.

By:  /s/ CARLOS SALA                        By:  /s/ WILLIAM J. SKRZYPCZAK
    --------------------------------             -----------------------------
Title: CFO                                   Title: VP Client Server Systems
      ------------------------------               ---------------------------


VENDOR ADVANCED SYSTEMS GROUP

By: /s/ VICKIE SCHULTZ
   ---------------------------------
Title: Operations Manager
       -----------------------------  





<PAGE>   10




                        ASSIGNMENT OF ON-ORDER EQUIPMENT


Assignor:   ABACUS DIRECT CORPORATION        Assignee:  COMDISCO, INC.
            8774 Yates Drive                            6111 North River Road
            Westminster, CO 80030                       Rosemont, IL 60018

Attn:       Mr. John Sullivan                Attn:      Client Server Product
                                                        Group

Vendor:     BERGER & CO.
            1350 Seventeenth Street, Suite 300
            Denver, CO 80202

Attn:       Mr. Paul Schwappach

Effective September 2, 1998, Assignor assigns to Assignee the right to purchase
the equipment (the "Equipment") described on the attached Invoices dated July
31, 1998 which Assignor presently has on order with the Vendor (the "Purchase
Agreement"). Assignee accepts the assignment by Assignor to purchase the
Equipment in accordance with the terms of the Purchase Agreement and this
Assignment Agreement.

1.    LEASE

      The parties agree that this agreement has been entered on the basis that
      the Equipment will be leased by Assignee to Assignor pursuant to Equipment
      Schedule No. 1 to the Master Lease Agreement dated as of September 2, 1998
      between Assignor and Assignee (collectively the "Lease").

2.    TITLE

      Vendor and Assignor agree that title to each item of Equipment will vest
      in Assignee on the date that item of Equipment is shipped to Assignor.
      Assignee agrees that Vendor will have a purchase money security interest
      in each item of Equipment until full payment of the purchase price is made
      to Vendor for that item.

3.    PURCHASE AGREEMENT OBLIGATIONS/PAYMENT

      Assignee will be obligated to pay the purchase price for the Equipment.
      Assignor will be responsible for all other obligations of Purchaser under
      the Purchase Agreement. Assignee's obligation to pay the purchase price
      will only be for Equipment which is installed and accepted by Assignor and
      will be payable promptly following the receipt by Assignee of (i) a
      Commencement Certificate in a form satisfactory to Assignee evidencing
      Assignor's acceptance of such Equipment, and (ii) an invoice which
      contains the manufacturer part number and which has been approved by
      Assignor for the Equipment. Assignee will not be obligated to pay any
      invoice which does not contain the manufacturer's part number. Vendor will
      look solely to Assignor for payment prior to the date Assignee is
      obligated to pay if the Purchase Agreement requires earlier payment, and
      Assignee will reimburse Assignor the purchase price Assignor has paid
      following Assignor's acceptance of the Equipment, provided, however, title
      to the Equipment will nevertheless vest in Assignee as provided above.

Payment may be expedited to Vendor following the satisfaction of the conditions
precedent set forth above in the following circumstances and manner.

      (a)     If Assignee has received a duplicate EDI invoice (ANSI-810) from
              Vendor or Assignor, contemporaneously with matching such invoice
              issuance by Vendor, payment and related remittance advice
              (ANSI-820) will be issued on or about three (3) business days
              after Assignee's receipt of the last item constituting a condition
              precedent to such payment.


<PAGE>   11




Assignor and Assignee agree to deliver to Vendor in a timely fashion, all
documents required for submission to Vendor, to permit the assignment and
purchase of the Equipment.

ASSIGNOR: ABACUS DIRECT CORPORATION          ASSIGNEE:  COMDISCO, INC.

By: /s/ CARLOS SALA                          By: /s/ WILLIAM J. SKRZYPCZAK
    --------------------------------             ----------------------------- 
Title: CFO                                   Title: VP Client Server Systems
      ------------------------------               ---------------------------

VENDOR: BERGER & CO.

By: /s/ [ILLEGIBLE]
   ---------------------------------
Title: Senior Account Executive/ BTI
       Division Manager
      ------------------------------  

<PAGE>   12




                            COMMENCEMENT CERTIFICATE

         This Certificate dated September 2, 1998 is executed pursuant to
Equipment Schedule No. 1 to the Master Lease Agreement dated September between
Comdisco, Inc. ("Lessor") and Abacus direct Corporation ("Lessee").

1.       EQUIPMENT:

<TABLE>
<CAPTION>
                             EQUIPMENT
QTY.      MFG.               TYPE/MODEL        SERIAL #          LOCATION
----      ----               -----------       --------          --------
<S>       <C>                 <C>              <C>               <C>

</TABLE>

SEE ATTACHED INVOICE #0004809-IN, 0004810-IN DATED 7/31/98 FROM BERGER & CO. AND
INVOICE #INV-0010090 DATED 7/24/98, BB1 057367, BB1 057361 DATED 6/29/98 FROM
ADVANCED SYSTEMS GROUP ATTACHED FOR EQUIPMENT DESCRIPTION PURPOSES ONLY.

2.       COMMENCEMENT DATE:         9-1-98

3.       TOTAL EQUIPMENT COST:     $ 1,055,373.00
         (Please total attached invoices)

4.       REPRESENTATIONS OF LESSEE:

         The Equipment has been delivered to the location indicated above,
         tested, inspected, found to be in good working order and accepted by
         the Lessee on the Commencement Date.

         ABACUS DIRECT CORPORATION
         as Lessee

         By: /s/ CARLOS SALA
            --------------------------------
         Title:    CFO
               -----------------------------