Sun Microsystems

                            SUN MICROSYSTEMS FINANCE

                             MASTER LEASE AGREEMENT

Master Lease # SL7082094


Lessor agrees to lease to Lessee and Lessee agrees to lease from Lessor, subject
to the following terms of this Master Lease Agreement  ("Master  Lease") and any
Lease Schedule  ("Schedule"),  collectively  referred to as the Lease ("Lease"),
the personal  property  described in any Schedule together with all attachments,
replacements,  parts, substitutions,  additions, upgrades, accessories, software
licenses and operating manuals (the "Product"). Each Schedule shall constitute a
separate, distinct, and independent Lease and contractual obligation of Lessee.

1.       Commencement Date and Term

The initial lease term ("Initial  Term") and Lessee's rental  obligations  shall
begin on the  Commencement  Date and continue  for the number of Rental  Periods
specified  in the  Lease  as set  forth  in  Section  2 below  and  shall  renew
automatically  thereafter  until  terminated  by either party upon not less than
ninety (90) days prior written  notice.  The  Commencement  Date with respect to
each item of Product shall be the 16th day after date of shipment to Lessee.

2.       Rent and Rental Period

All rental payments and any other amounts payable under a Lease are collectively
referred to as "Rent". The Rental Period shall mean the rental payment period of
either calendar months,  quarters,  or as otherwise  specified in each Schedule.
Rent for the  specified  Rental  Period is due and  payable in  advance,  to the
address  specified in Lessor's  invoice,  on the first day of each Rental Period
during the Initial  Term and any  extension  (collectively,  the "lease  Term"),
provided,  however,  that  Rent  for  the  period  of time  (if  any)  from  the
Commencement  Date to the first day of the first  Rental  Period  shall begin to
accrue on the  commencement  Date. If any Rent is not paid when due, Lessee will
pay a service fee equal to five percent (5%) of the overdue amount plus interest
at the rate of one and one half  percent  (1.5%) per month or the maximum  legal
interest rate, whichever is less.

3.       Net Lease, Taxes and Fees

Each Schedule shall constitute a net lease and payment of Rent shall be absolute
and  unconditional,  and shall not be subject to any abatement,  reduction,  set
off, defense, counterclaim, interruption, deferment or recoupment for any reason
whatsoever.  Lessee  agrees  to pay  Lessor  when due  shipping  charges,  fees,
assessments and all taxes (municipal, state and federal) imposed upon a Lease or
the Product or its  ownership,  leasing,  renting,  possession or use except for
taxes based on Lessor's income.

4.       Title

Product shall always  remain  personal  property.  Lessee shall have no right or
interest  in the  Product  except  as  provided  in this  Master  Lease  and the
applicable  Schedule and shall hold the Product  subject and  subordinate to the
rights of Lessor.  Lessee agrees to execute UCC financing statements as and when
requested  by Lessor  and  hereby  appoints  Lessor as its  attorney-in-fact  to
execute such financing statements. Lessor may file a photocopy of any Lease as a
financing statement.

Lessee will,  at its expense,  keep the Product free and clear from any liens or
encumbrances  of any kind (except any caused by Lessor) and will  indemnify  and
hold harmless from and against any loss or expense caused by Lessee's failure to
do so. Lessee shall give Lessor  immediate  written  notice of any attachment or
judicial  process  affecting  the Product or Lessor's  ownership.  If requested,
Lessee will label the Product as the property of Lessor and shall allow, subject
to Lessee's  reasonable  security  requirements,  the  inspection of the Product
during regular business hours.

5.       Use, Maintenance and Repair

Lessee,  at its own expense,  shall keep the Product in good repair,  appearance
and  condition,  other than  normal  wear and tear and shall  obtain and keep in
effect  throughout the term of the Schedule a hardware and software  maintenance
agreement with the manufacturer or other party  acceptable to Lessor.  All parts
furnished in connection with such repair and  maintenance  shall be manufacturer
authorized parts and shall immediately  become components of the Product and the
property  of  Lessor.  Lessee  shall  use the  Product  in  compliance  with the
manufacturer's or supplier's suggested guidelines.

6.       Delivery and Return of Product

Lessee assumes the full expense of transportation,  insurance,  and installation
to Lessee's site. Upon termination of each Schedule,  Lessee will provide Lessor
a letter from the manufacturer  certifying that the Product is in good operating
condition  and is eligible  for  continued  maintenance  and that the  operation
system is at the then current level,  unless under a Sun service contract during
the Lease Term.  Lessee,  at its  expense,  shall  deinstall,  pack and ship the
Product to a U.S. location  identified by Lessor.  Lessee shall remain obligated
to pay Rent on the Product until the Product and  certification  are received by
Lessor.

7.       Assignment and Relocation

Lessee may  sublease or assign its rights  under this  agreement  with  lessor's
prior  written  consent,  which  consent  shall  not be  unreasonably  withheld,
subject,  however,  to any terms and  conditions  which Lessor may  require.  No
permitted  assignment or sublease shall relieve Lessee of any of its obligations
hereunder.

Lessee  acknowledges  Lessor  may sell  and/or  assign its  interest  or grant a
security  interest in each Lease  and/or the  Product to an assignee  ("lessor's
Assignee"),  so long as Lessee is not in default  hereunder.  Lessor or Lessor's
Assignee shall not interfere  with Lessee's right of quiet  enjoyment and use of
the Product. Upon the assignment of each Lease, Lessor's Assignee shall have any
and all discretions,  rights and remedies of Lessor and all references to Lessor
shall  mean  Lessor's  Assignee.  In no event  shall any  assignee  of Lessor be
obligated to perform any duty, covenant or condition under this Lease and Lessee
agrees it shall pay such  assignee  without  any  defense,  rights of set-off or
counterclaims and shall not hold or attempt to hold such assignee liable for any
of Lessor's obligations hereunder.

Lessee,  at its expense,  may relocate Product (after packing it for shipment in
accordance with the  manufacturer's  instructions) to a different address within
thirty (30) days prior written notice to Lessor.  The Product shall at all times
be used solely within the United States.

8.       Upgrades and Additions

Lessee may affix or install  any  accessory,  addition,  upgrade,  equipment  or
device on the Product  ("Additions")  provided  that such  Additions  (i) can be
removed without causing  material damage to the Product,  (ii) do not reduce the
value of the Produce and (iii) are obtained from or approved by Sun Microsystems
Computer  Corporation  and are not  subject to the  interest  of any third party
other than Lessor.  Any other  Additions may not be installed  without  Lessor's
prior written consent.  At the end of the Schedule Term, Lessee shall remove any
Additions  which (i) were not  leased by Lessor and (ii) are  readily  removable
without causing material damage or impairment of the intended function,  use, or
value of the Product and restore the Product to its original configuration.  Any
Additions  which are not so removable  will become the lessor's  property  (lien
free).

9.       Lease End Options

Upon written  notice given at least ninety (90) days prior to  expiration of the
Lease Term, and provided Lessee is not in default under any Schedule, Lessee may
(i) exercise any purchase  option set forth on the  Schedule,  or (ii) renew the
Schedule for a minimum  extension period of twelve (12) months,  or (iii) return
the Product to Lessor at the expiration date of the Schedule pursuant to Section
6 above.

10.      Insurance, Loss or Damage

Effective  upon  shipment of Product to Lessee and until  Product is received by
lessor,  Lessee shall provide at its expense (i)  insurance  against the loss or
theft or damage to the Product for the full replacement value, nd (ii) insurance
against public liability and property damage. Lessee shall provide a certificate
of insurance  that such  coverage is in effect,  upon request by Lessor,  naming
Lessor as loss payee and/or additional insured as may be required.

Lessee shall bear the entire risk of loss,  theft,  destruction  of or damage to
any item of Product. No loss or damage shall relieve Lessee of the obligation to
pay Rent or any other  obligation  under the  Schedule.  In the event of loss or
damage,  Lessee shall promptly notify Lessor and shall, at Lessor's option,  (i)
place the Product in good condition and repair, or (ii) replace the Product with
lien free Product of the same model,  type and  configuration  in which case the
relevant  Schedule  shall  continue  in full force and effect and clear title in
such Product shall automatically vest in Lessor, or (iii) pay Lessor the present
value of remaining  Rent plus the buyout  purchase  option price provided for in
the applicable Schedule.

11.      Selection, Warranties and Limitation of Liability

Lessee  acknowledges that it has selected the Product and disclaims any reliance
upon  statements  made by lessor.  Lessee  acknowledges  and agrees that use and
possession  of the Product by Lessee shall be subject to and  controlled  by the
terms of any manufacturer's or, if appropriate,  supplier's warranty, and Lessee
agrees to look solely to the  manufacturer  or, if  appropriate,  supplier  with
respect to all  mechanical,  service and other claims,  and the right to enforce
all warranties made by said  manufacturer  are hereby assigned to Lessee for the
term of the Schedule.

EXCEPT AS SPECIFICALLY  PROVIDED  HEREIN,  LESSOR HAS NOT MADE AND DOES NOT MAKE
ANY  REPRESENTATIONS OR WARRANTIES,  EITHER EXPRESS OR IMPLIED, AS TO ANY MATTER
WHATSOEVER, INCLUDING, WITHOUT LIMITATION, NONINFRINGEMENT, THE DESIGN, QUALITY,
CAPACITY OR CONDITION.

<PAGE>

SENT BY:

Sun Microsystems Finance
5500 Wayman Boulevard, Suite
Golden Valley, MN  55416

800 736 5366

                       Lease Schedule ("Schedule") No. 001
                                                       ----
            To Master Lease Agreement ("Master Lease") No. SL7082094
                                                           ---------
<TABLE>
<CAPTION>
                          LESSEE                                                      LESSOR
<S>                                                          <C>
NAME:  WordCruncher Internal Technologies,     Inc.                   SUN MICROSYSTEMS FINANCE
                                                                      A Sun Microsystems, Inc. Business
                                                                      901 SAN ANTONIO ROAD
                                                                      PALO ALTO, CA  94303
------------------------------------------------------------
ADDRESS:  405 East 12450  South
                  Suite B
                  Draper, UT  84020

------------------------------------------------------------
ADMIN. CONTACT:  Mr. Ken Bell
------------------------------------------------------------ ---------------------------------------------------------
PHONE NO.:                  801-816-9904                     PHONE NO. 800-786-3366  FAX NO.: 612-513-3299
------------------------------------------------------------ ---------------------------------------------------------
                      BILLING ADDRESS                                            PAYMENT SCHEDULE

------------------------------------------------------------
                                                             ---------------------------------------------------------
                       Same as above                         LEASE TERM:                24 MONTHS
                                                             ---------------------------------------------------------
                                                             RENTAL:  $23,779.00*       PER MONTH
                                                             ---------------------------------------------------------
                                                             *Payments to be made via Automatic Bank Withdrawal
------------------------------------------------------------ ---------------------------------------------------------
LEASE PURCHASE ORDER NO.:                                    SALES/USE TAX:  Payment amount may be increased to
                                                             include applicable sales/use tax.
                                                             ---------------------------------------------------------
------------------------------------------------------------
CONTACT:

------------------------------------------------------------
PHONE NO.:
                    LOCATION OF PRODUCT                                        OTHER LEASE OPTIONS

------------------------------------------------------------
                                                             ---------------------------------------------------------
                                                                      FMV PURCHASE OR RENEWAL
                                                             ---------------------------------------------------------
                       Same as above                                  $1 PURCHASE OPTION
                                                             ---------------------------------------------------------
                                                                      10% PURCHASE OPTION
                                                             ---------------------------------------------------------
                                                                      OTHER:
------------------------------------------------------------
CONTACT NO.:
PHONE NO.:
------------------------------------------------------------ ---------------------------------------------------------
</TABLE>

PRODUCT DESCRIPTION: AS DESCRIBED IN INTEGRATED BUSINESS SOLUTIONS QUOTATION NO.
Word 11-4-99 LESS INTEGRATED  BUSINESS  SOLUTIONS  EXHIBIT "A" ADDING INTEGRATED
BUSINESS  SOLUTIONS  QUOTATION  #'s Word  11-30-99(1),  Word  11-30-99(2),  Word
11-30-99(3) Modified, Word 11-30-99(4),  Word 11-30-99(5) and Word 11-30-99(6) &
QWEST PRODUCTS & SERVICES PURCHASE ORDER FORMS DATED 11-23-99; TOTALING $97,688,
DATED  12-3-99,  TOTALING  $11,410 & DATED  12-3-99;  TOTALING  $2,886  ATTACHED
HERETO.

MASTER  AGREEMENT:  This  Schedule is issued and  effective  this date set forth
below  pursuant  to the  Master  Lease  identified  above.  All  of  the  terms,
conditions,  representations  and  warranties  of the  Master  Lease are  hereby
incorporated  herein and made a part hereof as if they were  expressly set forth
in this  Schedule  and  this  Schedule  constitutes  a  separately  enforceable,
complete and independent  lease with respect to the Product described herein. By
their execution and delivery of this Schedule,  the parties hereby affirm all of
the terms, conditions, representations and warranties of the Master Lease.

The  additional  terms set forth on the  reverse  side hereof are made a part of
this Schedule.

--------------------------------------------------------------------------------

AGREED AND ACCEPTED BY:

SUN MICROSYSTEMS FINANCE
A Sun Microsystems, Inc. Business

BY:
    ----------------------------------------

NAME:    Vicki Kandl
      --------------------------------------

TITLE:  Manager-Lease Originations
       -------------------------------------

DATE:
      --------------------------------------

AGREED AND ACCEPTED BY:

LESSEE:  WordCruncher Internet Technologies, Inc.

BY:     /s/ James W. Johnston
    ----------------------------------------

NAME:    James W. Johnston
      --------------------------------------

TITLE:   Chariman
       -------------------------------------

DATE:    13 Dec 99
      --------------------------------------