CONSENT TO SUBLEASE
                               -------------------
                                 AND ASSUMPTION
                                 --------------


         THIS  CONSENT  TO  SUBLEASE  AND  ASSUMPTION  ("Consent")  is made  and
executed this 15 day of May,  2000,  between 2795 E.  COTTONWOOD  PARKWAY,  L.C.
("Landlord"),   EXECUTIVE  CREDIT  SERVICES,   L.C.   ("Sublessee")   and  SONIC
INNOVATIONS, INC. ("Sublessor"),  as an addendum to that certain Lease Agreement
between  Landlord  and  Sublessor  dated  the 28th day of  April,  1999  ("Lease
Agreement").


                                R E C I T A L S:
                                ----------------

         A.  Pursuant to the Lease  Agreement,  Sublessor  leased from  Landlord
certain commercial office space in a building  ("Building")  constructed on real
property  owned  by  Landlord  located  in  Salt  Lake  County,  Utah,  as  more
particularly described in the Lease Agreement.

         B. In  accordance  with  Section 10 of the Lease  Agreement,  Sublessor
intends to sublease to Sublessee Sublessor's right, title and interest in and to
a  portion  of the  Premises  leased  to the  Sublessor  pursuant  to the  Lease
Agreement  (said  portion,  as more fully  described in the  Sublease  Agreement
attached  hereto,  is  referred  to  herein  as the  "Sublease  Premises"),  and
Sublessee intends to accept,  sublease and assume certain of the obligations and
undertakings of the Sublessor under the Lease Agreement.

         C. The parties  desire to set forth  herein the consent of the Landlord
to the sublease of the Sublease Premises upon the terms and conditions set forth
in the Sublease  Agreement  between the Sublessor and Sublessee  (the  "Sublease
Agreement"), a complete copy of which is attached hereto as Exhibit "A".

         D.  The  parties   further   desire  to  provide  herein  for  (i)  the
representation  and warranty of the accuracy and  completeness  of the financial
and other  information  requested by Landlord  (said request and the  responsive
information  being attached hereto as Exhibit "8"), and (ii) for the delivery by
Sublessor and  Sublessee of the  instrument  required  under Section 10.2 of the
Lease Agreement.

         NOW,  THEREFORE,  for and in consideration of the parties covenants and
agreements contained herein and in the Lease Agreement,  Landlord, Sublessor and
Sublessee, covenant and agree as follows:

         1.  Recitals.  The recitals to this Consent are an integral part of the
agreement and  understanding  of the parties,  and are incorporated by reference
herein.

         2.  Definitions.  The definitions of certain of the  capitalized  terms
used in this  Consent not  expressly  defined  herein  will have the  respective
meanings set forth in the Glossary of Defined Terms attached as Exhibit A to the
Lease Agreement.

         3. Sublease.  Sublessor and Sublessee hereby represent and warrant that
the Sublease Agreement attached hereto contains all of the terms, conditions and
provisions of the sublease agreement between Sublessor and Sublessee.  Sublessee
further  represents and warrants the accuracy and  completeness of the financial
and other  information  provided  by  Sublessee  in  response  to the request by
Landlord as  attached  hereto as Exhibit  "B".  The  Sublessee  adopts the Lease
Agreement and agrees to perform,  jointly and severally with  Sublessor,  all of
the  obligations  of Sublessor  under the Lease  Agreement as  applicable to the
Sublease Premises,  including,  without limitation, the prohibition against rent
based on income or profits  derived  from the  Premises.  The  Sublessee  grants


                                       1
<PAGE>


Landlord an express first and prior security  interest in its personal  property
into the  transferred  space to secure its  obligations  to Landlord  hereunder.
Sublessor hereby subordinates to Landlord's statutory lien and security interest
any liens,  security  interests and other rights which  Sublessor may claim with
respect to any property of the Sublessee.  Sublessor  agrees with landlord that,
if the rent or other consideration due by the Sublessee exceeds the Rent for the
transferred  space,  then Sublessor  shall pay Landlord as Additional Rent under
the  Lease  all  such  excess  Rent and  other  consideration  immediately  upon
Sublessor's  receipt  thereof.  Sublessor  and  Sublessee  agree to  provide  to
Landlord, at their expense, direct access from a public corridor in the Building
to the Sublease  Premises.  The Sublessee  agrees to use and occupy the Sublease
Premises  solely for the purpose  identified in Section 4 of the Lease Agreement
and  otherwise  in  strict  accordance  with  the  Lease  Agreement.   Sublessor
acknowledges that, notwithstanding the sublease,  Sublessor remains directly and
primarily  liable for the  performance  of all the  obligations  of Sublessor as
Tenant under the Lease Agreement (including,  without limitation, the obligation
to pay all  Rent),  and  Landlord  shall  be  permitted  to  enforce  the  Lease
Agreement,  against  Sublessor or the Sublessee,  or all of them,  without prior
demand upon or  proceeding  in any way against any other  persons.  This Consent
constitutes a direction and full authority, but not requirement,  to Landlord to
deal with the Sublessee  hereunder as the Tenant of the Sublease  Premises under
the Lease Agreement from and after the date hereof.  Sublessor shall continue to
be  entitled  to any and all  security  or other  deposits  made under the Lease
Agreement.

         4.  Consent to  Sublease.  Landlord  hereby  consents  to the  sublease
contained herein under terms and conditions set forth herein. Except as provided
in paragraph 7 below,  the Sublease  Premises shall be delivered to Sublessee in
''as is" condition.  The consent  contained herein does not constitute a consent
to any subsequent sublease or assignment of the Lease Agreement.

         5.   Sublease   Premises.   Without   limiting   the   foregoing,   the
Sublease Premises shall be described as follows:

              (a)  Sublease  Premises  Location:   (i)  Suite  130W,  consisting
         ofapproximately2,19i Rentable Square Feet(I,905 Usable Square Feet) and
         Suite 130E, consisting  ofapproximately2,200 Rentable Square Feet U,913
         Usable Square Feet) on the first floor of the Building.

              (b) Sublease  Commencement  Date and  Expiration  Date:  The Lease
         Commencement Date for the Sublease  Premises shall be April l, 2000 for
         suite 130W and June 1,2000 for Suite 130E. The Sublease Expiration Date
         for  the  Sublease  Premises  shall  be as  provided  in  the  Sublease
         Agreement; provided, however, in no event shall such date extend beyond
         the Lease Expiration Date set forth in the Lease Agreement,

         6. Base Rent.  Additional  Rent.  Tenant's Share and Parking.  The Base
Rent,  Additional  Rent,  Tenant's Share and Parking shall be allocated  between
Sublessor  and  Sublessee  as  provided  in the  Sublease  Agreement;  provided,
however,  that Sublessor hereby  acknowledges that it remains fully and directly
liable for the performance of all obligations and the payment of all amounts due
by Tenant under the Lease Agreement.

         7 .Construction of Sublease  Premises.  Any tenant  improvements in the
SubleasePremisesshal1  be constructed in accordance with the floor plan attached
as Exhibit "C" hereto and working drawings approved by Landlord in Sublessor and

                                       2
<PAGE>

Sublessee  be  fully  for  any  construction  of the  Sublease  Premises  Tenant
Improvements.

         8. Other Provisions.  Sublessor and Sublessee  represent and warrant to
Landlord the following:

              (a) The  Lease  Agreement  and  this  Consent  embody  the  entire
         agreement  now  existing  with  Landlord  related to the  Premises  and
         Sublease Premises; and

              (b) The Lease Agreement is in full force and effect and no default
         exists on the part of Landlord thereunder; and

              (c) The Lease  Agreement,  or any interest  therein,  has not been
         previously subleased, assigned or pledged by Sublessor.

         9. General. Without limiting any provision respecting sublease or other
transfer as contained in the Lease Agreement, this Consent shall be binding upon
and  inure to the  benefit  of the  respective  legal  representatives,  and any
authorized successors and assigns of the parties. This Consent shall be governed
by, and construed in accordance with, the laws of the State of Utah. All notices
and other  communications given pursuant to the Lease Agreement shall be made as
provided  in the Lease  Agreement,  with the address of  Sublessee  as set forth
below;  provided,   however,  the  parties  acknowledge  that  Landlord  has  no
additional notice  requirement as a result of this Consent.  The Lease Agreement
is, and shall  remain,  in full force and effect,  with the  provisions  thereof
applicable to the Sublease  Premises.  In the event of any conflict  between the
terms of the Lease Agreement and this Consent,  this Consent shall control.  The
person executing this Consent on behalf of the Sublessee warrants and represents
to Landlord that (a) Sublessee is a duly organized and existing legal entity, in
good  standing in the State of Utah,  (b) Sublessee has full right and authority
to execute,  deliver and perform this  Consent,  and ( c ) the person  executing
this Consent on behalf of Sublessee was authorized to do so.

         DATED and effective as of the date first written above.

                                      LANDLORD:

                                      2795 E. Cottonwood Parkway LL
                                      -----------------------------

                                      By:  /s/
                                      -----------------------------
                                      JOHN L. WEST


                                      SUBLESSEE:

                                          /s/
                                      -----------------------------

                                      By:  Brad Crawford
                                      -----------------------------

                                      Title: CEO
                                      -----------------------------


                                       3
<PAGE>

                                      Address: --------------------

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

                                        SUBLESSOR:

                                      SONIC Innovations, Inc.
                                      -----------------------------

                                      By:  /s/ Stephen Wilson
                                      -----------------------------

                                      Title: VP/CFO
                                      -----------------------------



                                       4
<PAGE>
                                   EXHIBIT "A"


                               SUBLEASE AGREEMENT
                               ------------------


                                       5
<PAGE>


                              FIRST LEASE AMENDMENT
                              ---------------------

THIS FIRST LEASE AMENDMENT is executed this 13 day of April, 2000 by and between
SONIC Innovations, Inc, a Delaware Corporation ("Landlord"), and Executive
Credit Services, L.C., a Utah Limited Liability Company ("Tenant")

                                   WITNESSETH:

WHEREAS, Landlord and Tenant entered into a certain lease dated October 1, 1999,
whereby Tenant agreed to lease from Landlord certain premises consisting of
approximately 5,695 square feet located in the office building commonly known as
Cottonwood Corporate Center, 2795 East Cottonwood Parkway, Suite 120, Salt Lake
City, Utah 84121; and

WHEREAS, Landlord and tenant desire to amend certain provisions of the Lease to
reflect the addition of Option A and Option B space; THEREFORE, in consideration
of the foregoing premises, the mutual covenants herein contained and each act
performed hereunder by the parties, Landlord and Tenant hereby enter into this
Amendment.

1.   Incorporation of Recitals. The above recitals are hereby incorporated into
     this Amendment as if fully set forth herein.

2.   Amendment to Fundamental Provisions and to section 1.9 regarding First
     Right of Refusal is hereby amended as follows:

As of April 1, 2000 the Premises will be expanded by 2191 RSF. to include
suite 130W or Option A space. The April rent will increase by $4,016.83 (2191
*(22/12)) for a total of $13,033.91 (4016.83+9017.08).

Effective June 1,2000 the premises will be expanded by an additional 2,200 RSF.
to include suite 130 E or the addition of the Option B space. This will increase
the rent by an additional $4,033.33 (2200*(22/12)) for a total monthly rent
payment of $17 ,067.24 (13,033.91 +4033.33) through September 30, 2000.


Summary of Monthly Rent Payments

April 2000                                    $13,033.91

May 2000                                      $13,033.91

June 1, 2000- September 30, 2000              $17,067.24

October 1, 2000- September 30, 2001           $18,196.55 (9904.89+8050.18*1.03)

October 1,2001- September 30,2002             $19,600.45 (11067.28+8050.18*1.06)


                                       6
<PAGE>

Additional Rent will be added as called out in paragraph 1.9 (3.2 of the Master
Lease Agreement). This amount is due to increased Operating Expenses passed on
and reconciled by the Master Landlord by the end of the first quarter of each
year (To be 6.03% with Suite 120 and Option A, and 7.95% total with Suite 120
and Options A&B)

The execution of this Amendment constitutes an early and voluntary "Acceptance
Notice" of the Right of First Refusal for which the Landlord is greatly
appreciative.

3.   Incorporation. This Amendment shall be incorporated into and made a part of
     the lease, and all provisions of the Lease not expressly modified or
     amended hereby shall remain in full force and effect. Please note new
     attachment for revised RSF for Option B space. The revises RSF is 2200
     instead of 2507 as previously denoted.

4.   Security. Deposit One month's rent. This will be $4,016.83 for Option A
     space and $4,033.33 for Option B space.

IN WITNESS WHEREOF, the parties have caused this Amendment to be executed on the
day and year first written above.

                                           Landlord:


                                           SONIC Innovations, Inc.
                                           A Delaware Corporation

                                           By  /s/ Stephen Wilson
                                           ----------------------
                                           Its  VP/CFO
                                           ----------------------



STATE OF UTAH       )
                    :          ss
COUNTY OF SALT LAKE )


         The foregoing Sublease Agreement was acknowledged before me this 13th
day of April, 2000 by Stephen Wilson as the VP/CFO of SONIC Innovations, Inc., a
Delaware Corporation, on behalf of the Corporation.


My Commission Expires:                      /s/  Vicky L. Johnson
                                           ----------------------
8/15/02                                    NOTARY PUBLIC
----------------------                     Residing at Salt Lake City

                                       7
<PAGE>


                                           Tenant:
                                           Executive Credit Services, L.C.,
                                           A Utah Limited Liability Company

                                           By  /s/ Brad Crawford
                                           ----------------------
                                           Its  Managing Member
                                           ----------------------



STATE OF UTAH       )
                    :          ss
COUNTY OF SALT LAKE )


         The foregoing Sublease Agreement was acknowledged before me this 13th
day of April, 2000 by Brad Crawford as the Managing Member of Executive Credit
Services, L.C., a Utah Limited Liability Company, on behalf of the Corporation.


My Commission Expires:                      /s/  Kent R. Warner
                                           ----------------------
7/06/02                                    NOTARY PUBLIC
----------------------                     Residing at 7855 S. Candlestick Ln.
                                           (Midvale)


                                       8
<PAGE>