<PAGE>
                        Description of Services

 AutoTrac  -  Customer Follow-up Program
 ---------------------------------------
Service Business Systems (SBS), a subsidiary of Data National Corporation, 
shall provide each of the 840 Penske Auto Center (PAC) locations with the 
following services: 
 
 Database Management
 ------------------- 
   A computerized database that is updated through a tape or electronic 
  download process.  The data will be provided by Penske Auto Center every two 
  weeks.
   SBS will coordinate efforts to maintain the integrity of the customer 
  database.  SBS will provide a combination of three methods to ensure that 
  the customer database is accurate and timely.  The three available methods 
  are:
       1. SBS will provide real-time access to the database to maintain the 
          database per the store's instructions.  Updates can occur over the 
          phone as the Customer Service Representative can add, update, or 
          delete a customer record from the database.
       2. SBS will send the Penske Auto Center database to a certified 
          National Change Of Address (NCOA) vendor on an annual basis to have 
          all the addresses verified and updated.  If an existing customer 
          has moved in the last twelve months, the NCOA process will provide 
          their current address.  SBS will work with Penske Auto Centers to 
          determine the optimal method  for updating the database after the 
          NCOA process.
       3. SBS will produce a report listing all customers in the database for 
          each store, if requested by the store.  This list is sent to the 
          store for review, updates, and corrections.  The updates are then 
          entered into the database.

  Customer Communications
  -----------------------  
  The same card will be utilized for all of the mailings.  The card is an 
over-sized postcard, 7" x 5", minimum 8 pt stock, with four color artwork 
on the front and a collapsed variable message on the back.  SBS recommends 
an over-sized postcard to eliminate the possibility of the card being 
overlooked in the customers' mail.  This size allows for customized messages, 
additional coupon space, and attractive graphics without compromising the 
integrity of the piece.  A new card is designed every three months.  

SBS will mail communications to customers in the form of a "Mobil 1 
Reinforcer" card for customers who purchase a Mobil 1 oil change.  These cards 
will display a unique graphic that is intended to reinforce their decision to 
purchase Mobil 1 oil.


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 Program Reporting

SBS will provide additional information as reasonably required by Penske 
Auto Centers.  SBS and PAC will jointly determine what the appropriate level 
of reporting will be as the program progresses.  A balanced scorecard will be
developed by SBS and PAC.  The scorecard will include shared objectives with 
common measures and company-specific objectives with shared measures.  These 
objectives and measures must be linked to the performance evaluations of the 
appropriate parties.

The primary performance measure is response rate.  Response rate is determined 
by the number of customers who visit a PAC location compared to the list of 
customers SBS mailed a reminder notice.

 Customer Service
SBS provides one Customer Service Representative devoted to the Penske Auto 
Centers account.  The Customer Service Representative is available from 6 a.m. 
until 5 p.m. (MST) for store inquiries.  The Customer Service Representative 
is responsible for day-to-day account activities including:

 *  Contacting locations for customer handouts, target mail, and other  
    marketing initiatives
 *  Problem resolution (as needed)
 *  Presentations to Regional meetings
 *  Maintenance and revisions to the store Master File

 SBS maintains a toll-free number to assist Penske Auto Centers and its stores 
in facilitating message changes, database updates and answering questions on 
an on-going basis.  All inquiries are responded to by the end of the next 
business day.

 SBS understands that there are three levels of service needed to deliver a 
successful database marketing program.  The three levels of service include 
store-level support, regional support, and corporate support.  SBS provides a 
full-time, experienced National Sales Representative dedicated to regional 
support as well as corporate support.

 SBS recommends a quarterly meeting between SBS and Penske Auto Centers to 
discuss past program results, current programs, and future marketing 
initiatives.

Initially, Don Warriner and/or Scott Fowler will spend the required time to 
provide "hands-on" support service to meet the needs of PAC.  SBS will locate 
a full-time person in Detroit as the Penske Account Executive in the event 
the account grows to a mutually beneficial size.


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Transition Plan

 SBS provides the most efficient and seamless transition of any potential 
vendor.  We can begin evaluating alternative methods of data transfer, 
developing creative marketing pieces, and determine marketing strategies for 
1997 as soon as Penske Auto Centers is ready in the judgment of PAC.

Time Frames

 SBS can begin delivery of products and services outlined in this proposal 
within 60 days of this agreement.  The time frame is based on the cooperation 
of all involved parties.
















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Fee Structure

AutoTrac  -  Customer Follow-up Program
Any variation from the description of services required or the projected 
volumes may impact the fees.


Follow-up Program Costs

The customer follow-up program will be billed at a per card rate of $      
for the first full six month period following the initial mailing, which will 
be considered the "Initial Period".  With respect to the mailings after the 
Initial Period (referred to as the "Subsequent Period"), the customer follow-
up program will be billed at a per card rate of $    .  PAC will pay such 
invoice in accordance with the terms set forth below.  
The prices include postage costs.

Performance Incentives

 The performance incentives outlined below are based on percentage response 
rate.  Within thirty days after the end of the Initial Period, SBS and PAC 
will jointly determine the percentage response rate of the program for the 
Initial Period, which will become the baseline for the Subsequent Period.  
SBS and PAC will jointly determine the percentage response rate for the month 
in question between 90 and 105 days after the end of each calendar month.  If 
SBS is entitled to the incentive rate with respect to any month, SBS will 
invoice PAC for the difference between the incentive rate and the initial 
rate paid for all cards mailed during the month in question.  PAC will pay 
such invoice in accordance with the terms set forth below.  If such 
calculation entitles PAC to a refund then, at PACs' option, SBS will either 
refund such amount or such amount will be offset against subsequent amounts 
due.  The incentive rates will be as follows:

Monthly Response Rate                                     Price Per Piece
Less than Baseline -10%                                            $    
Baseline +/-10%                                                    $    
Baseline +10% to Baseline +20%                                     $    
Greater than Baseline +20%                                         $    




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<PAGE>



Set-up Fee

 The initial one-time set-up fee is $     .  The fee covers the enrollment of 
all PAC locations into the program, data preparation and conversion, and 
custom programming.  Other than the price per piece and the set-up fee of $     
, SBS will not charge PAC any additional amount except as expressly provided 
under additional services below, including any corporate overhead charges, 
postage charges or otherwise.  In the event that SBS cancels this agreement 
and there are fewer than 24 mailings in 1997, then SBS shall immediately 
refund to PAC an amount equal to $       multiplied by the difference between 
the number of mailings and the number of mailings actually made in 1997.

Mailing Frequency

 The mailing frequency is one mailing every two weeks.  SBS will work with 
Penske Auto Centers to determine the optimal mailing frequency for the 
program as the program matures.

Term of Agreement

 The term of the agreement for the AutoTrac Program ends January 31, 1998.  
Program reporting would continue through February, 1998.  This agreement may 
be extended by PAC upon 60 days prior written notice from the end of any term
of this agreement for one or more additional years and the price per piece 
will be mutually agreed upon by SBS and PAC but in no event will exceed 
current pricing plus mutually agreed upon inflation adjustments, subject to 
equal or greater volumes.  Upon such renewal, if any, SBS will not charge PAC 
an additional set-up fee or other similar charges.

 Prepaid Postage

 SBS will require PAC to provide postage fees prior to the delivery of each 
mailing.  By mutual agreement, PAC and SBS will investigate alternatives to 
prepaid postage including EFT, a dedicated postage account, or a declining 
balance program and would utilize the most cost-effective method.

 Additional Services

 The services to be provided are all-inclusive.  All additional services, 
except for the AutoTrac Customer Follow-up Program, will only be rendered 
when approved in advance by Roger S. Penske, Jr., Tim Findlay, or Peter Klein.

    Some aspects of a particular project can not be anticipated.  In these 
    cases a quote will be prepared for any work not covered in the above 
    price schedule.

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<PAGE>

Payment Terms and Conditions

 SBS will invoice PAC directly for all Services provided under the terms and 
conditions of this agreement.  Upon request, SBS will provide verifications 
of all completed mailings.  This verification will be in the form of receipts 
and reports provided by the USPS.

 Terms of payment are net thirty (30) days from the date of invoice.  The 
date of invoice is the date that the pieces are dropped with USPS provided 
that PAC receives such invoice within fifteen (15) days of such drop and, if 
not, then the date of the invoice will be the date falling fifteen (15) days 
prior to the date of receipt of such invoice by PAC.  Payments not received 
within 30 days are subject to an interest rate of 1.5% per month.  Payments 
not received within 60 days constitute a material breach of this agreement.

Price Protection 

 Pricing will be firm through the term of the contract, with the exception 
that SBS will be entitled to increase the pricing in the event of changes 
initiated by PAC or postal or paper costs increase at any time during the 
term of this agreement.  Increases in paper or postage costs would affect 
PAC pricing on a direct pass-through basis with no additional charges for 
corporate overhead or similar charges.

Conflict of Interest

 Each party, in performing its obligations under this agreement, shall 
establish and maintain appropriate business standards, procedures and controls 
including those necessary to avoid any real or apparent impropriety or adverse 
impact on the interest of the other party.  Each party shall review with 
reasonable frequency during the term of the agreement, such business standards 
and procedures including, without limitation, those related to the activities 
of its employees and agents in their relations with other party's 
employees, agents and representatives, and other third parties.

Governing Law

 The validity and interpretation of this agreement and the legal obligation 
of the parties to it shall be governed by the laws of the State of Colorado, 
unless otherwise agreed in writing by representatives of PAC and SBS at the 
time of the order.



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Notices

All notices pertaining to this Agreement shall be in writing, addressed to 
the party for whom intended at the address set forth below or at such other 
address as may be furnished by such party in writing and shall be deemed 
given on the date of mailing.
   The address of PAC is:                The address of SBS is:
     Penske Auto Center                      Service Business Systems
     Attn:Roger S. Penske, Jr.               Attn:  Don Warriner
     3270 W. Big Beaver Rd.                  11415 West I-70 Frontage Road N.
     Suite 130                               Wheat Ridge, CO  80033
     Troy, MI  48084

Indemnity

 SBS agrees to indemnify and hold harmless PAC, its officers, employees and 
agents with respect to any damages, claims or losses arising out of SBS's 
nonperformance or misperformance of its obligations under this agreement.
PAC agrees to indemnify and hold harmless SBS, its officers, employees and 
agents with respect to any damages, claims or losses arising out of PAC's 
nonperformance or misperformance of its obligations under this agreement and 
for any alleged trademark infringement or infringement of any intellectual 
property of third parties.  PAC also agrees to indemnify SBS against any and 
all losses regarding any dispute over the ownership of information contained 
in the database between PAC and its employees/contractors.

Confidentiality

 SBS shall hold all customer and client information obtained from PAC, its 
officers, employees or agents in strict confidence.  SBS acknowledges that 
all such information is confidential and proprietary to PAC.  SBS agrees not 
to divulge this information without prior written permission of PAC.  
Information obtained in the performance of this agreement is to be used only 
in connection with providing Services under this agreement.  SBS, however, 
shall be permitted to disclose said information to its employees and vendors 
as reasonably necessary to provide the Services described herein, provided 
that SBS takes steps to ensure that its employees and vendors keep said 
information confidential.  This provision shall survive any termination of 
this agreement.





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<PAGE>
                                  
 Non-exclusive
 
PAC acknowledges that SBS is in the business of providing information 
services and database marketing services to the automotive markets.  SBS will 
continue to provide said services to its current customers, which include 
major and independent oil companies, automobile dealerships and other local 
and regional automotive service providers.  For the duration of this 
agreement, SBS will not provide customer acquisition services as outlined in 
this agreement to other direct automotive full-service national competitors 
of PAC, including but not limited to WalMart, Montgomery Wards, Target, 
and Pep Boys, without prior written approval from PAC.  For the duration of 
this agreement, SBS can provide customer follow-up services to other direct 
automotive full-service national competitors of PAC.  Without limiting the 
nature of SBS's confidentiality obligations set forth in the immediately 
preceding paragraph, in the event of a conflict between this paragraph and 
the immediately preceding paragraph, the terms of the immediately preceding 
paragraph shall control.

Cancellation

 Without Cause:  Either party is entitled to terminate this contract by 
providing written notice to the other of such termination with at least 
sixty (60) days advance notice.

 With Cause:  The breach of the terms of this contract by either party, 
provided such breach is not cured within seven (7) days following 
notification (or reasonable action taken to correct such a breach within a 
reasonable time period) by the other party, shall entitle such other party 
to terminate this contract.  Upon any cancellation of this agreement, SBS 
agrees return to PAC within fifteen (15) days of the date of notice of 
cancellation any and all information obtained by SBS under the terms of this 
agreement, including without limitation the then current database.

Separability

 The invalidity or unenforceability of any of the terms, covenants or 
conditions contained in this agreement shall not render invalid or 
unenforceable any of the other terms, covenants or conditions of this 
contract.  

If the foregoing is in accordance with your understanding of our 
agreement, please sign both copies in the space provided and return one copy 
to this office. 
   Agreed and Accepted                          Agreed and Accepted 
   Penske Auto Centers,                         Inc.Service Business Systems
   By:                                          By:  
   Title:                                       Title:  
   Date:                                        Date:  



  Penske AutoTrac Program January, 1997

 CONFIDENTIAL                 Service Business Systems

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