Document:

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                                                                    Exhibit 10.4

                              DATED 27th July 2000

                                  CITY'S ESTATE

                          THE MAYOR AND COMMONALTY AND
                         CITIZENS OF THE CITY OF LONDON

                                      -to-

                              DIGITAS (EUROPE) INC

                                      -and-

                                   DIGITAS INC

                                      LEASE
                                      -of-
                   Part Ground Floor and First to Third Floors
                   Gable Court 10 Alfred Place London WC1 and
                          216-219 Tottenham Court Road
                                    London W1

Commencing 4th August 2000
Expires 3rd August 2015

(Determinable as within provided)

RENT (pounds)857,225 PER ANNUM
(subject to review) and additional rent as within mentioned

Draft dated 06/03/00 Final Amended 20/07/00
Ref CL7616/007/SF/PR

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                                     [CREST]

                              --------------------
                                   CORPORATION
                                    OF LONDON
                              --------------------

                          COMPTROLLER & CITY SOLICITOR

                                      LEASE
                                      -of-
                   Part Ground Floor and First to Third Floors
                   Gable Court 10 Alfred Place London WC1 and
                          216-219 Tottenham Court Road
                                    London W1

                                [GRAPHIC OMITTED]
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                               CONTENTS AND INDEX

            Clause                    Title
            ------                    -----

            1.1                       Definitions
            2.1                       Demise
            2.2                       Reddendum
            2.3                       Insurance Premiums
            2.4                       Service Charges
            2.5                       Service Charges - Accounting Provisions
            3.0                       Lessee's Covenants
            3.1                       Rent
            3.2                       Rates and Outgoings
            3.3                       Value Added Tax
            3.4                       Statutory Obligations
            3.5                       Lessee's Insurance Obligations
            3.6                       Repairs and Decoration
            3.7                       Electrical Installations
            3.8                       To Yield Up
            3.9                       To Permit Entry and Execute Repairs
            3.10                      Lessor's Works
            3.11                      Access of Light, etc
            3.12                      Alterations and Additions
            3.13                      Prohibited Uses and Activities
            3.14                      Permitted Use
            3.15                      Advertisements, etc
            3.16                      Alienation
            3.17                      Registration of Devolution
            3.18                      Reletting and Sale of Reversion
            3.19                      Interest on Late Payments
            3.20                      Lessor's Costs
            3.21                      Other Lessee's Obligations
            4.0                       Arbitration
            5.0                       Proviso for Re-Entry
            6.0                       Suspension of Rent
            7.0                       Miscellaneous Provisions
            8.0                       Notices
            9.0                       Lessor's Covenants
            9.1                       Quiet Enjoyment
            9.2                       To Insure
            9.3                       To Provide Services
            9.4                       To Reinstate
            10.0                      New Lease
            11.0                      Surety Covenants

The First Schedule        -           Rights and Easements
The Second Schedule       -           Reservations
The Third Schedule        -           The Services
The Fourth Schedule       -           Rent Review

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          THIS LEASE made the 27th day of July 2000 BETWEEN THE MAYOR AND
COMMONALTY AND CITIZENS OF THE CITY OF LONDON of Guildhall London EC2P 2EJ
(hereinafter called 'the Lessors' which expression shall where the context so
requires or admits include the estate owner or estate owners for the time being
of the reversion expectant on determination of the term hereby granted) of the
first part DIGITAS (EUROPE) INC (Company Registration No. F2021441) whose
address for service in England is at 10 Alfred Place London WC1 (hereinafter
called 'the Lessee' which expression shall where the context so requires or
admits include the persons deriving title under or through the Lessee) of the
second part and DIGITAS INC whose address for service in England is at 10 Alfred
Place London WC1 (hereinafter called "the Surety") of the third part

          WITNESSETH as follows:-

1.0       DEFINITIONS AND INTERPRETATION

1.1       In this Lease the following words and expressions shall where the
          context so admits be deemed to have the following meanings:-

          'Agreement for Lease'    means an agreement to enter into this Lease
                                   made the 27th day of July 2000 between (1)
                                   the Lessors and (2) the Lessee

          'Arbitration'            means arbitration by an independent surveyor
                                   in accordance with Clause 4

          'Building'               means the building known as Gable Court
                                   216-219 Tottenham Court Road London W1 and 10
                                   Alfred Place London WC1 of which the Premises
                                   form part and refers to each and every part
                                   of the Building and includes the shared
                                   loading bay the LEB Substation the Building
                                   Management Office and any other areas
                                   appurtenant to the Building and all landlords
                                   and other fixtures and fittings lifts plant
                                   apparatus and

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                                   equipment therein and all additions
                                   alterations and improvements thereto and
                                   structures thereon from time to time

          'Chamberlain'            means the Chamberlain of London or the person
                                   or persons for the time being appointed by
                                   him or by the Lessors (who may be persons
                                   employed by or otherwise connected with the
                                   Lessors) to perform the functions designated
                                   to him by this Lease

          'City Surveyor'          means the City Surveyor of the Corporation
                                   of London or such qualified surveyor for the
                                   time being appointed by him or by the
                                   Lessors (who may be a surveyor employed
                                   by or otherwise connected with the Lessors)
                                   to perform the functions designated to him
                                   by this Lease

          'Comptroller and         means the Comptroller of the Chamber and
          City Solicitor'          Bridge House Estates and City Solicitor for
                                   the time being of the Corporation of London
                                   or the Lessors' solicitor for the time being
                                   (who may be employed by or otherwise
                                   connected with the Lessors)

          'Financial Year'         means the period from 1st April in every
                                   year to 31st March in the following year or
                                   such other period as the City Surveyor may
                                   from time to time determine as being an
                                   accounting year for the purposes of this
                                   Lease

          'Interest Rate'          means the base rate of Barclays Bank plc from
                                   time to time or in the absence of publication
                                   of such rate such comparable

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                                   rate as the Lessors may from time to time
                                   acting reasonably specify

          'Insured Perils'         means (subject as hereinafter provided) the
                                   perils of fire lightning explosion aircraft
                                   (and other aerial devices) or articles
                                   falling from them riot civil commotion
                                   malicious persons acts of terrorism
                                   earthquake storm tempest flood bursting and
                                   overflowing of water pipes tanks and other
                                   apparatus impact by mechanically propelled
                                   vehicles and such other risks (if any) that
                                   the Lessors may from time to time insure

          'Lease'                  means this Lease and includes any deeds or
                                   documents supplemental to it

          'Plans'                  means the Plans annexed hereto

          'Premises'               means all those office premises on the first
                                   second and third floors of the Building
                                   together with the ground floor entrance and
                                   first floor courtyard and the lift motor room
                                   and switch room in the basement as the same
                                   are shown hatched black on the plan annexed
                                   hereto and refers to each and every part of
                                   the Premises and includes (a) the inside and
                                   outside of the windows and the window frames
                                   and of the doors and door frames (including
                                   mastic joints or seals) bounding the Premises
                                   and any glass in such windows and doors (b)
                                   the internal plaster surfaces of load bearing
                                   walls and of external walls of the Building
                                   and one half (severed vertically) of all
                                   non-loadbearing

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                                   walls which divide the Premises from any
                                   other part of the Building (c) all
                                   non-loadbearing walls within the Premises (d)
                                   the flooring (including the surface of the
                                   first floor courtyard) down to the joists or
                                   other structural parts supporting the same
                                   but excluding the glass roof over the ground
                                   floor retail unit below part of the Premises
                                   (e) the ceiling plaster (f) all other
                                   internal surfaces and partitions including
                                   the glass curtain walling of the lightwell
                                   (g) all additions and improvements to the
                                   Premises (h) all tanks cisterns wiring pipes
                                   ducts and conducting media in any part of the
                                   Building and exclusively serving the Premises
                                   (i) the lifts and lift shafts and (j) all
                                   appurtenances fixtures fittings and rights
                                   hereby demised and the pavement lights coal
                                   plates and skylights (if any) exclusively
                                   serving the Premises but otherwise excluding
                                   all structural and loadbearing parts of the
                                   Building and the external walls foundations
                                   and roof of the Building

          'Review Date'            means the 4th day of August in the years 2005
                                   and 2010 or either of those dates

          'Schedule'               means a schedule to this Lease

          'Services'               means the services facilities and amenities
                                   specified in the Third Schedule

          'Term'                   means the term of years granted by this
                                   Lease and includes any period of holding

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                                   over or extension or continuance whether
                                   under statute or common law

          'Yearly Rent'            means the rent first reserved by this Lease
                                   as payable from time to time

1.2.      Any covenant in this Lease by the Lessee not to do any thing shall
          include a covenant not to permit or suffer that thing to be done

1.3.      The clause headings in this Lease shall not be taken into account in
          or affect the interpretation of the Lease

1.4.      Words in this Lease importing the singular meaning shall include the
          plural meaning and vice versa

1.5.      Any reference to a statute shall (unless otherwise specified) include
          any modification extension or re-enactment thereof for the time being
          in force and every instrument order direction regulation byelaw or
          other derivative legislation made under it and any reference to
          statute or legislation generally shall include reference to any
          regulation or other legislation of the European Union that is
          applicable to the Building or the Premises as the case may be

1.6.      Whenever any party to this Lease consists of more than one person or
          body corporate the obligations and liabilities of that party shall be
          joint and several obligations of those persons and bodies corporate

1.7.      Where the context so requires or admits any reference to any officer
          of the Mayor and Commonalty and Citizens of the City of London or the
          Corporation of London shall include his deputy or any person
          appropriately qualified or authorised to act on behalf of the Lessors
          in that capacity

2         DEMISE

2.1       IN consideration of the rents and covenants hereinafter reserved and
          contained and at the request of the Surety the Lessors hereby demise
          unto the Lessee ALL THAT the Premises TOGETHER with the rights and
          easements specified in the First Schedule but EXCEPT AND RESERVING to
          the Lessors and all others so entitled or authorised the

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          rights and easements specified in the Second Schedule TO HOLD the
          Premises (except and reserved as aforesaid) SUBJECT TO any existing
          rights of light enjoyed by any windows or openings in any adjoining or
          neighbouring premises unto the Lessee for a term of fifteen years
          commencing on and from the 4th day of August 2000 and expiring on the
          3rd day of August 2015 determinable nevertheless as hereinafter
          provided

2.2       YIELDING AND PAYING therefor to the Lessors during the Term FIRST on
          and from the 4th August 2000 up to and including the 3rd day of
          February 2001 the Yearly Rent of a peppercorn and on and from the 4th
          day of February 2001 the Yearly Rent of Eight Hundred And Fifty Seven
          Thousand Two Hundred and Twenty-Five Pounds ((pounds)857,225.00)
          exclusive of Value Added Tax or such greater Yearly Rent as may be
          determined in accordance with the Fourth Schedule by equal quarterly
          payments in advance on the Twenty-fifth day of March the Twenty-fourth
          day of June the Twenty-ninth day of September and the Twenty-fifth day
          of December in every year

2.3       INSURANCE PREMIUMS

          AND ALSO PAYING to the Lessors within seven days of written demand and
          as additional rent (which shall be recoverable by action or distress
          in the same manner as for rent in arrear) such sum or sums as shall
          from time to time be specified by the City Surveyor to be a fair and
          reasonable proportion of the premiums payable by the Lessors (without
          deduction in respect of agency or other commission which amounts the
          Lessors shall be entitled to retain for their own benefit) for
          insuring the Building in accordance with the Lessors' covenant
          hereinafter contained and in relation to such other insurances as the
          Lessors deem (in their reasonable opinion) appropriate in connection
          with any matter involving or relating to the Building

2.4       SERVICE CHARGES

          AND ALSO PAYING as additional rent (which shall be recoverable by

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          action or distress in the same manner as for rent in arrear)

2.4.1     For the provision of the Services to the Building or to the Premises
          (as the case may be) a yearly service charge calculated and payable in
          accordance with this Clause 2.4 and Clauses 2.5 and 2.6

2.4.2     A sum on account of such yearly service charge (payable unless
          otherwise required by Lessors by equal quarterly payments in advance
          at the same time and in the same manner as the Yearly Rent) subject to
          variation as hereinafter provided and such other amounts in respect of
          unanticipated costs expenses and outgoings as shall from time to time
          be properly demanded by or on behalf of the Lessors

2.5       SERVICE CHARGES - ACCOUNTING PROVISIONS

2.5.1     The sum payable on account of the yearly service charge shall be
          calculated annually and shall be a fair and reasonable proportion
          certified by the City Surveyor of the anticipated costs and amounts to
          be expended by the Lessors in providing the Services together with a
          management charge of ten per cent thereof

2.5.2     The proportion payable by the Lessee is to be calculated in the
          absence of other factors which the City Surveyor considers (in his
          reasonable opinion) to be relevant by reference to the net lettable
          floor area of the Premises as a proportion of the aggregate net
          lettable floor area of the Building from time to time let or intended
          for letting by the Lessors and shall be expressed as a percentage of
          the total expenditure

2.5.3     The Lessors may at their discretion calculate a single percentage
          applicable to all expenditure attributable to the Building or
          alternatively may (provided it is reasonable to do so) calculate
          separate percentages applicable to the various types of Services
          (depending on whether a particular service is provided to the Building
          or for the benefit of a specific lessee or lessees)

2.5.4     The Lessors shall be at liberty from time to time to add to the
          Services or to amend or reduce the same or (provided that in doing so
          they act reasonably and in accordance with the principles of good
          estate

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          management) to re-calculate (from time to time) the percentages

2.6       SERVICE CHARGES - ANNUAL CERTIFICATE

2.6.1     The amount of the yearly service charge for each Financial Year shall
          be ascertained and certified annually by a certificate ('the Annual
          Certificate') signed by the City Surveyor as soon as may be
          practicable after the end of each Financial Year containing a fair
          summary of costs expenses and outgoings incurred by the Lessors for
          the provision of the Services with a management charge of ten per cent
          thereof and specifying the proportion thereof payable by the Lessee

2.6.2     A copy of the Annual Certificate for each Financial Year shall be
          supplied by the Lessors to the Lessee on written request and without
          charge to the Lessee and shall be conclusive evidence (in the absence
          of manifest error) of the matters which it purports to certify

2.6.3     The yearly charge may include:-

          2.6.3.1   both actual and reasonably anticipated costs expenses and
                    outgoings

          2.6.3.2   a fair and reasonable proportion of payments of a
                    periodically recurring nature (whether recurring by regular
                    or irregular periods) whenever disbursed incurred or made
                    including such sum or sums of money by way of reasonable
                    provision for anticipated expenditure in respect thereof as
                    the City Surveyor may in his discretion allocate to the
                    period in question as being fair and reasonable in the
                    circumstances

2.6.4     Within 28 days of the issue of the Annual Certificate for any Period
          there shall be paid by the Lessee to the Lessors any balance of the
          yearly service charge found payable for the period in respect of which
          the Annual Certificate is issued or there shall be allowed by the
          Lessors to the Lessee any amount which may have been overpaid by the
          Lessee by way of advance payment as the case may require

3.0       LESSEE'S COVENANTS

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          THE Lessee HEREBY COVENANTS with the Lessors:-

3.1       Rent

          To pay the Yearly Rent and additional rents on the days and in the
          manner hereinbefore appointed for payment thereof without any
          deduction or set-off (save as required by law) and if so required by
          the Lessors to make such payments by direct transfer to any bank and
          account in the United Kingdom as the Lessors may nominate

3.2       Rates and Outgoings

3.2.1     To bear and pay the uniform business rates and all other taxes rates
          charges assessments outgoings and impositions whatsoever parliamentary
          municipal or otherwise which now are or at any time during the Term
          shall be charged assessed or imposed upon the Premises or upon the
          landlord or tenant thereof in respect of the same whether newly or by
          way of increase and whether any such future taxes rates charges
          assessments duties outgoings or impositions shall or shall not be in
          the nature of those now in being and to pay to the Lessors on demand a
          fair and reasonable proportion of any such matters as are charged
          assessed or imposed upon any part of the Building not intended to be
          occupied by a tenant except any tax (other than Value Added Tax or any
          tax of a similar nature which may be substituted for or levied in
          addition to it) on the rents hereby reserved and any tax occasioned by
          any dealing with the reversion expectant on the Term not arising by
          reason of some act or omission on the part of the Lessee.

3.2.2     If the Lessors lose rating relief (which the Lessors would otherwise
          have actually utilised) after expiry of the Term because it has been
          allowed to the Lessee or any undertenant to make good that loss upon
          demand notwithstanding expiry of the Term

3.2.3     To pay to the Lessors on demand a fair and reasonable proportion of
          any amount which the Lessor may be called upon to pay by way of proper
          contribution towards the expense of making repairing maintaining
          rebuilding and cleaning any ways roads pavements or structures pipes

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          party fences walls or anything which may belong to or be used in
          common with other premises near or adjoining the Building

3.3       Value Added Tax

          In addition to Yearly Rent and other payments of whatsoever nature
          which are or shall be reserved or which are or may become payable by
          or on behalf of Lessee pursuant to the provisions of this Lease to pay
          and keep the Lessors indemnified against all Value Added Tax (or any
          tax of a similar nature which may be substituted for or levied in
          addition to it) which is or may at any time hereafter become payable
          in respect thereof including an amount equivalent to any such tax on
          any sums which are liable to be reimbursed to the Lessors subject in
          all cases to receipt of a valid VAT invoice in respect of the same

3.4       Statutory Obligations

3.4.1     To do and execute all such works as under or by virtue of any statute
          or other legislation for the time being in force shall be required to
          be done or executed in respect of the Premises or the use thereof
          whether by the landlord or by the tenant thereof and otherwise to
          comply with such statutes and legislation

3.4.2     To pay to the Lessors on demand a fair and reasonable proportion of
          any expense incurred by the Lessors in complying with any such
          statutory obligations as relate to the Building (whether or not in
          common with the Premises)

3.4.3     At the request of the Lessors (and at the joint expense of the
          parties) to make or join with the Lessors in making any reasonable
          representation that the Lessors consider appropriate or otherwise
          contesting any proposal for a statutory obligation that relates to or
          includes the Premises or the Building

3.5       Lessee's Insurance Obligations

3.5.1     Not to do or allow to be done in or on the Premises anything whereby
          any insurance effected by the Lessors of the Premises or the Building
          or any part thereof or the insurance of any neighbouring property for
          the

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          time being owned by the Lessors may be vitiated or prejudiced

3.5.2     Not without the consent of the Lessors to do or allow to be done
          anything whereby any additional premium may become payable for the
          insurance of the Premises or the Building or any such other property

3.5.3     To pay to the Lessors on demand the whole of any increased or
          additional premium required as a result of the Lessee's use or
          occupation of the Premises or anything brought onto the Premises the
          amount thereof (in case of dispute) to be certified by the Chamberlain
          and a fair and reasonable proportion of the cost of any insurance
          valuations of the Building carried out by the Lessors from time to
          time (provided that the Lessee shall not be required to pay amounts in
          respect of insurance valuations more than once in every three (3)
          years)

3.5.4     Not to effect any separate insurance of the Premises against loss or
          damage by the Insured Perils

3.6       Repairs and Decoration

3.6.1     At all times during the Term and at the expense of the Lessee well and
          substantially to maintain and repair the Premises and keep the same in
          good condition (damage by the Insured Perils excepted save to the
          extent that the policy may be vitiated by an act or omission of the
          Lessee) and to replace all landlord's fixtures and fittings when
          reasonably necessary with a modern equivalent

3.6.2     To keep the internal and external surfaces of the windows and all
          other glass surfaces including the glass walls of the lightwell clean

3.6.3     In every fifth year and in the last year of the Term (howsoever
          determined) to paint with two coats and decorate in a workmanlike
          manner all such parts of the Premises as have been previously painted
          and decorated using only materials and (in the last year of the Term)
          colours approved by the City Surveyor (whose approval shall not be
          unreasonably withheld or delayed)

3.7       Electrical Installations

3.7.1     To keep in good repair and maintain the electrical installation
          exclusively

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          serving the Premises including all switchgear and services

3.7.2     Not to carry out any alteration to the said electrical installation
          switchgear and services without the previous consent in writing of the
          City Surveyor (such consent nor to be unreasonably withheld or
          delayed)

3.7.3     To ensure that at all times the Premises comply with the regulations
          for electrical equipment as published from time to time by the
          institution of Electrical Engineers

3.7.4     Not to connect any apparatus to the electrical installation that might
          endanger or overload it 3.8 To Yield Up At the end or sooner
          determination of the Term 3.8.1 to yield up unto the Lessors the
          Premises so repaired and decorated as aforesaid together with all
          landlord's fixtures improvements and things which now are or at any
          time during the Term shall be set up fixed or fastened to or upon or
          in or about the Premises or any part thereof

3.8.2     to give up all keys of the Premises to the Lessors

3.8.3     to remove any tenants' fixtures and signage (if so requested by the
          City Surveyor) and to make good any damage caused by such removal to
          the reasonable satisfaction of the City Surveyor

3.8.4     to pay to the Lessors on demand any costs properly incurred by the
          Lessors in complying with these obligations in default of compliance
          by the Lessee

3.8.5     to provide to the Lessors all documents test certificates and other
          information in the Lessee's possession relating to mechanical and
          electrical plant and installations

3.9       To Permit Entry and Execute Repairs

3.9.1     To permit the City Surveyor and the agents workmen and employees of
          the Lessors and those authorised by the Lessors at all times on
          reasonable notice (except in case of emergency) to enter upon the
          Premises:-

          3.9.1.1   for the purpose of viewing and examining the state and

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                    condition and user thereof

          3.9.1.2   for the purpose of carrying out or providing the Services

          3.9.1.3   for any reasonable purpose connected with the management of
                    the Building

3.9.2     That in case any defect or want of repair or unauthorised addition or
          alteration shall then be found (and upon notice thereof in writing
          being given to the Lessee or left upon the Premises) as soon as
          reasonably possible to commence and diligently proceed to carry out
          works to cause the same to be repaired or remedied or removed in
          compliance with the terms of this Lease and such notice and to
          complete such works of repair or remediation or removal within three
          months of the date of such notice (or sooner in case of necessity)

3.9.3     In case of default to permit the workmen or agents of the Lessors
          (without prejudice to their right of re-entry) to enter the Premises
          and execute such works of repair or remediation or removal as
          appropriate

3.9.4     To pay all proper costs and expenses incurred in relation thereto to
          the Lessors on demand together with interest thereon calculated at the
          rate of four per cent (4%) above the Interest Rate and compounded on
          the usual quarter days for the whole period from the date of
          expenditure until the date of payment to the Lessors (whether before
          or after any judgment) such sums shall be recoverable as if the same
          were rent in arrears

3.9.5     To give notice immediately to the Lessors (as soon as the Lessee
          becomes aware of the same) of any defect in the Premises or the
          Building or any matter or thing which might give rise to a liability
          or duty on the Lessors and to indemnify the Lessors against the
          consequences of failure to do so

3.10      Lessors' Works

3.10.1    To permit the City Surveyor and the agents workmen and employees of
          the Lessors and those authorised by the Lessors to enter and remain
          upon the Premises at all times on reasonable notice (except in case of
          emergency) so far as may be necessary in order to carry out any works
          or

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          repairs to the Premises or the Building for which the Lessors may be
          liable or which the Lessors may desire (in accordance with the
          principles of good estate management) to carry out or to repair or
          rebuild any adjoining or contiguous premises belonging to the Lessors
          or to cleanse empty or repair any of the sewers drains or gutters
          belonging to the same the persons exercising the right causing as
          little damage as reasonably possible and making good all damage to the
          Premises occasioned by the exercise of such right (to the reasonable
          satisfaction of the Lessee) but without payment of compensation for
          any annoyance nuisance damage noise vibration or inconvenience caused
          to the Lessee or any occupier of the Premises

3.10.2    In case any dispute or controversy shall at any time arise between the
          Lessee and the tenants or occupiers of any adjoining or contiguous
          premises belonging to the Lessors relating to the said sewers drains
          or gutters or to any easements or privileges whatsoever affecting or
          relating to the Premises or any adjoining or contiguous premises
          belonging to the Lessors the same shall from time to time be settled
          and determined by the City Surveyor in such manner as he shall direct

3.11      Access of Light etc

3.11.1    Not by building or otherwise to stop up or obstruct any access of
          light or air as enjoyed in fact to any premises the estate or interest
          whereof in possession or reversion now is or hereafter may be vested
          in the Lessors

3.11.2    Nor to permit any new window light opening doorway path passage drain
          or other encroachment right or easement to be made or acquired into
          against or upon the Premises which might be or grow to the damage
          annoyance or inconvenience of the Lessors

3.11.3    In case any such window light opening doorway path passage drain or
          other encroachment shall be made or attempted to be made or any such
          right or easement attempted to be acquired to give immediate notice
          thereof to the Lessors and at the request of the Lessors (and at the
          parties' joint expense) to adopt such means as may be reasonably

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          required or deemed proper by the City Surveyor for preventing any such
          encroachment or the acquisition of any such easement

3.12      Alterations and Additions

3.12.1    Not to cut injure or divide (other than as permitted by this Lease)
          the Premises or any part thereof

3.12.2    Not to unite or annex the Premises or any part thereof to any
          adjoining premises

3.12.3    Not to make any alteration or addition to the Premises (other than the
          installation repositioning or removal of internal demountable
          partitioning) without having first obtained the approval in writing of
          the City Surveyor (such approval not to be unreasonably withheld or
          delayed)

3.12.4    At the end or sooner determination of the Term (if so requested by the
          City Surveyor) to remove any internal demountable partitions and any
          additions or alterations to the Premises to the extent so requested
          and to make good any damage caused by such removal to the reasonable
          satisfaction of the City Surveyor

3.13      Prohibited Uses and Activities

3.13.1    Not to permit any sale by auction to be held upon the Premises

3.13.2    Not to suffer the Premises or any part thereof to be used for the
          purpose of any exhibition of pictures or views or other things or any
          kind of show or spectacle to which admission shall be by payment or
          where although no payment be asked for admission to the Premises any
          kind of payment or fee shall be charged or demanded after admission
          has been obtained or where the purchase of any article is made a
          condition of such admission but this covenant is not to limit
          prejudice or affect any other covenant herein contained

3.13.3    Not to bring onto the Premises or into the Building nor to permit to
          remain on the Premises anything which is or might become dangerous
          harmful polluting or contaminating nor to use the Premises or any part
          thereof in a noisy noisome offensive illegal immoral or dangerous
          manner or do or permit or suffer to be done in or upon the Premises or

                                       15
<PAGE>

          any part thereof any act matter or thing which may in the opinion of
          the City Surveyor be or grow to be or become a nuisance or an
          annoyance to or to the prejudice of the Lessors their tenants or
          lessees or to the owners lessees or occupiers for the time being at
          any premises in the neighbourhood and without prejudice to the
          generality of the foregoing not to permit any music public address
          system or other broadcast of sound from the Premises to be audible
          outside the Premises or permit anyone to sleep or reside on the
          Premises or to allow animals on the Premises

3.13.4    Not to install safes and/or other heavy articles except as and where
          approved by the City Surveyor (such approval not to be unreasonably
          withheld or delayed)

3.13.5    Not to permit any goods to remain in or adjacent to the entrance to
          the Building or the Premises or upon any lift or upon any other part
          of the Building used in common with other occupiers thereof

3.14      Permitted Use

3.14.1    Not to use the Premises otherwise than as offices within Class B1 of
          the Town and Country Planning (Use Classes) Order 1987 (and ancillary
          uses in respect of those parts of the Premises situated in the
          basement of the Building)

3.14.2    To obtain all necessary consents for such permitted use under the Town
          and Country Planning Act 1990 and all other relevant legislation and
          comply with all the terms and conditions of such consents throughout
          the Term

3.15      Advertisements etc

3.15.1    Not at any time during the Term to affix or exhibit or permit to be
          affixed or exhibited upon any part of the Premises or the Building any
          placard notice sign or advertisement except such as may have been
          first approved in writing by the City Surveyor (such approval not to
          be unreasonably withheld or delayed)

3.15.2    Not at any time during the Term to affix or exhibit or permit to be

                                       16
<PAGE>

          affixed or exhibited in or upon any part of the Premises or the
          Building any illuminated placard notice or sign whether for the
          purpose of advertisement or otherwise without the prior consent in
          writing of the City Surveyor (such consent not to be unreasonably
          withheld or delayed)

3.16      Alienation

3.16.1    Not at any time during the Term to assign underlet share or part with
          possession or share occupation on of the Premises or any part thereof
          or any interest therein for all or any part of the Term except by way
          of an assignment or underlease of the whole of the Premises or an
          underletting (or in the case only of an underlease of the whole of the
          Premises a subunderletting) of a self-contained unit (as defined in
          Clause 3.16.5 below) within the Premises and then in each case only
          with the licence in writing of the Lessors (for so long as the
          reversion hereto is vested in the Mayor and Commonalty and Citizens of
          the City of London either under their seal or the hand of the
          Comptroller and City Solicitor) but so that a licence for an
          assignment or underlease or sub-underlease of the whole of the
          Premises or an underlease or sub-underlease of a self contained unit
          shall not (subject to the terms hereinafter appearing) be unreasonably
          withheld or delayed Provided That there shall not be more than six (6)
          occupiers (including the Lessee) of the Premises at any one time And
          Provided Further That the Lessee may share the occupation of the
          Premises with a group company (as defined in Section 42 of the
          Landlord and Tenant Act 1954) provided that no relationship of
          landlord and tenant is created

3.16.2    In the case of a proposed assignment (and for the purposes of section
          19 (1) (a) of the Landlord Tenant Act 1927 (as amended) ('the 1927
          Act') and the Landlord and Tenant (Covenants) Act 1995 ('the 1995
          Act') such licence may be granted subject to any one or more of the
          following conditions to be satisfied prior to any such assignment:-

          3.16.2.1  that the assignee shall have entered into direct covenants
                    with the Lessors to perform and observe all the tenant

                                       17
<PAGE>

                    covenants of this tenancy as defined in the 1995 Act ('the
                    tenant covenants') during the residue of the Term or until
                    the assignee is released from such performance and
                    observance in accordance with the 1995 Act

          3.16.2.2  that if reasonably so required by the Lessor the intending
                    assignor shall have entered into an authorised guarantee
                    agreement (as defined in Section 16 of the 1995 Act) with
                    the Lessors in such form as the Lessors reasonably require
                    and which shall be prepared by or on behalf of the Lessors
                    at the cost of the intending assignor (such costs to be
                    reasonable and proper)

          3.16.2.3  that if reasonably so required by the Lessors any guarantor
                    of the Lessee's obligations under this Lease shall have
                    guaranteed to the Lessors that the intending assignor will
                    comply with the terms and conditions of the said authorised
                    guarantee agreement on such terms and in such form as the
                    Lessors reasonably require

          3.16.2.4  that if reasonably so required by the Lessors the proposed
                    assignee shall have procured covenants with the Lessors in
                    the licence to assign by a guarantor or guarantors (not
                    being the intending assignor or any guarantor for the
                    intending assignor) acceptable to the Lessors (acting
                    reasonably) in such form as the Lessors may reasonably
                    require and to include provision that in the event of
                    disclaimer of this Lease by any liquidator or trustee in
                    bankruptcy of the assignee the guarantor will if required
                    (and requested within 90 days of such disclaimer) take up a
                    new lease upon the same terms and at the same rent as this
                    Lease for the unexpired residue of the Term

          3.16.2.5  that if reasonably so required by the Lessors the proposed
                    assignee shall have provided a deposit to the Lessors of

                                       18
<PAGE>

                    such sum (being not less than three months of the then
                    Yearly Rent together with any Value Added Tax thereon) and
                    on such terms as the Lessors may reasonably require as
                    additional security for the discharge of the Lessee's
                    obligations under this Lease

3.16.3    For the purposes of section 19 (1) (a) of the 1927 Act and otherwise
          it is hereby agreed that such licence may be withheld in any one or
          more of the following circumstances:-

          3.16.3.1  where an undertaking to pay all reasonable legal and
                    surveyors costs of the Lessors together with disbursements
                    and Value Added Tax arising on the application for consent
                    to such assignment (whether or not consent is granted) has
                    been requested but not given to the Lessors

          3.16.3.2  while any sums due from the Lessee to the Lessors under this
                    Lease remain unpaid (save when a bona fide dispute in
                    respect of any such sum is in progress)

          3.16.3.3  where the Lessee is in material breach of the covenants and
                    conditions on the part of the Lessee herein contained

3.16.4    Every such underlease or sub-underlease as aforesaid shall:

          3.16.4.1  not be granted in consideration of a fine or premium

          3.16.4.2  be granted at the rack rent (reasonably obtainable as at the
                    date of the underletting such expression being as defined at
                    sub clause 2.1 at the Fourth Schedule) such rent not to be
                    payable more than one quarter in advance subject to review
                    in the same manner as the Yearly Rent

          3.16.4.3  contain covenants on the part of the underlessee or
                    sub-underlessee against alienation except by way of
                    assignment or underletting of the whole (save in the case of
                    an underlease of the whole of the Premises which shall
                    contain a covenant against alienation reflecting the
                    provisions of clause 3.16.1 above) and a covenant to observe
                    and perform

                                       19
<PAGE>

                    the covenants on the part of the Lessee under this Lease
                    other than those relating to payment of the Yearly Rent and
                    other sums due under this Lease from the Lessee to the
                    Lessors

          3.16.4.4  contain covenants to produce within one month next after the
                    making thereof (without any demand by any person) for
                    registration at the office of the Comptroller and City
                    Solicitor a certified copy of every assignment of the
                    sub-demised premises and every sub-demise (or the
                    counterpart thereof) mortgage charge by way of legal
                    mortgage probate letters of administration and other
                    disposition of the Premises made by the underlessee or the
                    persons deriving title under him and to pay the reasonable
                    costs of the Comptroller and City Solicitor being not less
                    than (pounds)30 plus Value Added Tax for the registration of
                    every such assignment or sub-demise and

          3.16.4.5  in the case of an underletting or sub-underletting of a self
                    contained unit only validly provide that the operation of
                    the Landlord and Tenant Act 1954 Sections 24-28 (inclusive)
                    is exluded in relation to the tenancy created by each and
                    every permitted underletting or sub-underletting

3.16.5    For the purposes of Clause 3.16.1 above 'a self-contained unit' means
          either a whole floor or a part of a floor that either has direct
          access to the lifts or to a lobby serving the lifts

3.16.6    Not to release or waive any such covenant as aforesaid but by all
          reasonable means in the power of the Lessee (taking account of the
          particular circumstances) to enforce the performance thereof by every
          such underlessee and the persons deriving title under him

3.17      Registration of Devolution Within one month next after the making
          thereof (without any demand by the Lessors) to produce for
          registration at the office of the Comptroller

                                       20
<PAGE>

          and City Solicitor a certified copy of all assignments (or the
          counterparts thereof) mortgages charges by way of legal mortgage
          probates of wills letters of administration and other dispositions
          which shall be made of the Premises and to pay the reasonable costs of
          the Comptroller and City Solicitor for the registration of every such
          document being not less than (pounds)30 plus Value Added Tax

3.18      Reletting and Sale of Reversion

3.18.1    To permit the Lessors at any time during the six months immediately
          preceding the determination of the Term (or at any time during the
          Term in the case of a proposed sale of the Building) on reasonable
          prior notice to enter upon the Premises and affix and retain without
          interference upon any part thereof a notice for the reletting or sale
          of the same or for the sale of the Building provided the same does not
          materially interfere with the Lessee's use and enjoyment of the
          Premises

3.18.2    To permit all persons with authority from the Lessors or the City
          Surveyor at all reasonable times on reasonable notice to enter and
          view the Premises or any part thereof

3.19      Interest on Late Payments

          If the Yearly Rent or additional rent or any part thereof or any
          payment due under this Lease or any part thereof (whether formally
          demanded or not) shall be in arrear and unpaid after the date upon
          which the same ought to have been paid to pay interest to the Lessors
          thereon calculated at the rate of four per cent (4%) above the
          Interest Rate and compounded on the usual quarter days for the whole
          period from the date upon which such sum ought to have been paid until
          the date of payment (whether before or after any judgment)

3.20      Lessors' Costs

3.20.1    To pay on an indemnity basis all costs charges and expenses (including
          legal surveyors' and other professional fees) properly incurred by the
          Lessors in relation to:-

          3.20.1.1  the preparation and service of a notice under Section 146 of

                                       21
<PAGE>

                    the Law of Property Act 1925 or incurred in taking or
                    considering proceedings under Sections 146 and 147 of the
                    said Act notwithstanding that forfeiture is avoided
                    otherwise than by relief granted by the Court

          3.20.1.2  any steps taken in connection with the preparation and
                    service of all notices and schedules relating to any want of
                    repair of the Premises

          3.20.1.3  every application made for a consent or licence in
                    connection with this Lease whether the same shall be granted
                    or refused or proffered subject to any lawful qualification
                    or condition or whether the application be withdrawn
                    (provided that such refusal or conditions are reasonable)

          3.20.14   the recovery of rent or other sums due from the Lessee

          3.20.1.5  enforcement of the Lessee's obligations

3.21      Other Lessee's Obligations

3.21.1    If so required to produce such evidence as the Lessors may reasonably
          require to satisfy the Lessors that the provisions of this Lease have
          been complied with

3.21.2    To be responsible for and to keep the Lessors indemnified against all
          losses costs claims expenses demands and liabilities resulting
          directly or indirectly from any breach by the Lessee of the provisions
          of this Lease

3.21.3    If so required to notify the Lessors of the name and home telephone
          number of at least two persons having the control of the keys to the
          Premises

3.21.4    For so long as this Lease remains vested in Digitas (Europe) Inc and
          unless and until the Lessee is entitled to be released from such
          obligation to comply with the requirements of clause 3 of the
          Agreement for Lease

4.0       ARBITRATION

          Without prejudice to any other rights of the Lessors under this Lease
          if

                                       22
<PAGE>

          any dispute or difference shall arise between the parties hereto and
          the Lessors so require by notice in writing to the Lessee THEN SUCH
          dispute or difference shall be referred to the arbitration of an
          independent surveyor to be appointed by agreement between the Lessors
          and the Lessee or in default of agreement to be appointed on the
          application of either party by the President for the time being of the
          Royal Institution of Chartered Surveyors such surveyor to act in
          accordance with the Arbitration Act 1996

5.        PROVISO FOR RE-ENTRY

          PROVIDED ALWAYS and it is hereby agreed and declared that:-

5.1       If the said rents or any part thereof shall be unpaid for twenty one
          days after any due date for payment (whether formally demanded or not)
          or if the Lessee is at any time in breach of any of its covenants
          conditions or agreements herein contained or if in relation to the
          Lessee (being a corporation) a voluntary arrangement is approved or an
          administration order is made or a receiver or administrative receiver
          is appointed of any of the Lessee's assets or undertaking or a
          winding-up resolution or petition is passed or presented (otherwise
          than by a solvent company for the purposes of reconstruction or
          amalgamation) or if any circumstances arise which entitle the Court or
          a creditor to appoint a receiver administrative receiver or
          administrator or to present a winding-up petition or make a winding-up
          order OR if in relation to the (being an individual or individuals) an
          interim order is made or a voluntary arrangement approved or if a
          bankruptcy order is made or if a receiver or trustee in bankruptcy is
          appointed of the Lessee's estate or other similar or equivalent action
          is taken against or by the Lessee by reason of insolvency or in
          consequence of debt THEN AND IN ANY SUCH CASE it shall be lawful for
          the Lessors or any person or persons duly authorised by the Lessors in
          that behalf to re-enter upon the Premises or any part thereof in the
          name of the whole and to forfeit this Lease but without prejudice to
          any right of action or remedy of the Lessors in

                                       23
<PAGE>

          respect of any antecedent breach of any of the covenants by the Lessee
          or conditions herein contained

6.0       SUSPENSION OF RENT

6.1       If during the Term the Premises or any part thereof or any portion of
          the Building shall be destroyed or damaged by any of the Insured
          Perils against which the Lessors have insured so as to render the
          Premises or any part thereof unfit for occupation or use by the Lessee
          then (if no insurance of rent or premises effected by the Lessors
          shall have been vitiated or prejudiced by some act or default of the
          Lessee) the Yearly Rent hereby reserved or a fair proportion thereof
          according to the nature and extent of the destruction or damage
          sustained shall as from the date of such destruction or damage and
          until the expiry of three years from the date of such damage or
          destruction or until the Premises are again rendered fit for
          occupation and use as aforesaid (whichever is the earlier) be
          suspended and cease to be payable

6.2       Any dispute as to the extent proportion or period of such suspension
          shall be determined by Arbitration

7.0       MISCELLANEOUS PROVISIONS

7.1       Nothing herein contained or implied shall impose or be deemed to
          impose any restriction on the use of any land or buildings not
          comprised in this Lease or give the Lessee the benefit of or the right
          to enforce or to have enforced or to prevent the release or
          modification of any covenant agreement or condition entered into by
          any purchaser from or any lessee tenant or occupier of the Lessors in
          respect of property not comprised in this Lease or to prevent or
          restrict in any way the development of any land not comprised in this
          Lease

7.2       Nothing herein contained shall be deemed in any way to waive diminish
          or affect any existing or future powers and duties of the Lessors in
          relation to the Premises in any capacity other than their capacity as
          owners of the reversion expectant on the determination of the Term

7.3       Nothing in this Lease or in any consent granted by the Lessors implies

                                       24
<PAGE>

          that the Premises may be used for any particular purpose

7.4       Each of the Lessee's covenants will remain in force even if the
          Lessors have waived or temporarily released that covenant (other than
          an express waiver or release) or waived or released a similar covenant
          in a lease at other parts of the Building or any adjoining premises

7.5       The Lessors shall have power at all times without obtaining any
          consent from or making any compensation to the Lessee to deal as the
          Lessors may think fit with any of the property belonging to the
          Lessors which adjoins or is opposite or near to the Premises and to
          erect or suffer to be erected on such adjoining opposite or
          neighbouring property any buildings whatsoever whether such buildings
          shall or shall not affect or diminish the light or air which may now
          or at any time or times during the Term be enjoyed by the Lessee or
          any tenants or occupiers of the Premises or any part thereof or
          interfere with the enjoyment of the Premises by them (and the same
          shall not constitute any derogation from the Lessors' grant or breach
          of the covenant in Clause 9.1) and the Lessors shall be entitled to
          the sole benefit of any compensation paid in respect of any
          obstruction of or interference with any access of light or air which
          may at any time or times be suffered by the Premises and shall be
          under no liability to pay any part of any such compensation to the
          Lessee or to compensate the Lessee in any way in respect of any such
          obstruction or interference

7.6       Section 62 of the Law of Property Act 1925 shall not apply to this
          Lease and the access of light and air to the Premises shall unless and
          until interrupted be enjoyed by consent of the Lessors and this
          provision shall be deemed to be a consent or agreement in writing made
          for that purpose within the meaning of Section 3 of the Prescription
          Act 1832 Provided That in the exercise of the rights referred to above
          the Lessee's use and enjoyment of the Premises shall not be materially
          adversely affected

7.7       No person who is not a party to this Lease shall have any rights under
          the Contracts (Rights of Third Parties) Act 1999 to enforce or
          otherwise

                                       25
<PAGE>

          benefit from the provisions hereof but so that this clause shall not
          affect the rights and remedies of any third party which exists or is
          available independently of the provisions of the said Act

8.0       NOTICES

8.1       A notice under this Lease must be in writing and unless the receiving
          party or its authorised agent acknowledges receipt is valid if (and
          only if) it is given by hand or sent by special or recorded delivery
          post and is served

          8.1.1     where the receiving party is the Lessee or the Surety at the
                    Premises or in the case of a company incorporated within
                    Great Britain at its registered office

          8.1.2     where the receiving party is the Lessor at Guildhall London
                    EC2P 2EJ or at such other address specified in a notice
                    given by the Lessors to the Lessee provided that for as long
                    as the reversion expectant on the Term invested in the Mayor
                    and Commonalty and Citizens of the City of London such
                    notices shall be sent to the Comptroller and City Solicitor

8.2       A notice sent by special or recorded delivery post is to be treated as
          served on the third working day after posting whenever and whether or
          not it is received

8.3       The term 'working day' means a day when the clearing banks in the City
          of London are open for business and working days shall be construed
          accordingly

8.4       If the receiving party consists of more than one person a notice to
          one of them is notice to all

9.0       LESSORS' COVENANTS

          THE LESSORS HEREBY COVENANT with the Lessee that:-

          Quiet Enjoyment

9.1       The Lessee paying the Yearly Rent and additional rents hereby reserved
          at the times and in the manner aforesaid and performing and observing

                                       26
<PAGE>

          the covenants herein contained on the part of the Lessee to be
          performed or observed shall and may hold and enjoy the Premises during
          the Term without any interruption from the Lessors or any person
          lawfully claiming through under or in trust for them

9.2       To Insure

9.2.1     Subject to the payment by the Lessee of the sums referred to in Clause
          2.3 hereof and to the performance and observance by the Lessee of the
          provisions of sub-clause 3.5 hereof the Lessors will insure and keep
          insured the Building against loss or damage by the Insured Perils the
          full reinstatement value thereof TOGETHER with insurance against loss
          of rent for three years or other period as they shall reasonably
          require PROVIDED THAT:-

          9.2.1.1   the Lessors' covenant to insure against any particular risk
                    is subject to the insurance for such risk being ordinarily
                    available with a reputable insurer for premises such as the
                    Premises and the Building and acceptability to the Lessors
                    of the level of premiums

          9.2.1.2   the insurance will be subject to any excess or limitations
                    (in line with current market practice) that the insurers may
                    require

          9.2.1.3   the Lessors may from time to time vary or suspend
                    (temporarily or permanently) any insurance against any of
                    the Insured Perils (provided that they notify the Lessee in
                    writing in advance of doing so) or may insure against
                    additional perils if in its absolute discretion it considers
                    it is appropriate so to do

9.2.2     The Lessors will provide to the Lessee whenever reasonably requested
          so to do (but not at intervals more frequent than annual) reasonable
          evidence of the terms of any policy of insurance effected by the
          Lessors and written confirmation or evidence of payment of premiums

9.2.3     The Lessors will as soon as reasonably practicable notify the Lessee
          of

                                       27
<PAGE>

          any material change in the risks covered by its policy of insurance or
          any material change the terms thereof

9.3       To Provide Services

          Subject to the payment by the Lessee of the sums referred to in Clause
          2.4 hereof the Lessors will as far as reasonably possible provide the
          Services PROVIDED that

9.3.1     no obligation is imposed upon the Lessors to provide the Services
          except at the times and in the manner in which the Lessors shall in
          their reasonable discretion deem necessary and

9.3.2     the Lessors shall not be liable to the Lessee for any loss damage or
          inconvenience caused by any breakdown or failure to provide the
          Services or any temporary interruption or suspension thereof howsoever
          arising Provided That the Lessors use all reasonable endeavours to
          remedy any such breakdown or failure to provide services

9.4       To Reinstate

9.4.1     Whenever damage to the Building by the Insured Perils shall have
          occurred (and subject to the Lessee having notified the Lessors
          thereof)

          9.4.1.1   to notify the insurer of the damage and to claim all sums
                    due the policy of insurance and

          9.4.1.2   subject to any required statutory consents having been
                    obtained to apply any insurance money received in respect of
                    such damage (except sums for loss of rent) in rebuilding and
                    reinstating the Building (subject as herein mentioned)

9.4.2     PROVIDED that the Lessors need not rebuild or reinstate while
          prevented from so doing by:-

          9.4.2.1   failure by the Lessors to obtain any required statutory
                    consents despite using reasonable endeavours

          9.4.2.2   some defect in the site upon which rebuilding or
                    reinstatement is to take place such that it could not be
                    undertaken or could only be undertaken at a cost in excess
                    of the insurance cover

                                       28
<PAGE>

          9.4.2.3   any Act of God of war or government action or any strike
                    lock-out or any other similar circumstances beyond the
                    Lessors' reasonable control

          9.4.2.4   the insurance monies being withheld in whole or in part by
                    reason of some act or neglect of the Lessee

                    AND PROVIDED FURTHER that if rebuilding or reinstatement is
                    in the opinion of the City Surveyor impossible or
                    impracticable the Lessors may serve a notice on the Lessee
                    referring to this clause whereupon this Lease will
                    immediately come to an end without prejudice to any rights
                    which either party may have against the other and all
                    insurance monies will thereupon belong to the Lessors
                    absolutely

                    AND PROVIDED FURTHER that if within 2 years and 9 months
                    from the date of damage/destruction the Premises and/or the
                    Building have not been reinstated and/or the Premises are
                    not capable of and fit for beneficial occupation and use for
                    the user permitted herein then either party may at any time
                    thereafter determine the Term on giving to the other not
                    less than three months' notice in writing and immediately on
                    the expiration of such notice this present demise and
                    everything herein contained shall cease and be void but
                    without prejudice to any rights which either party may have
                    against the other

9.5       Enforcement of Lessors' Warranties

9.5.1     If within six years of the date of this Lease (or twelve years in the
          case of defects relating to aspects of the Works carried out pursuant
          to the Building Contract as that term is defined in the Agreement for
          Lease) compliance with the Lessors' obligations in respect of repair
          of the Building under the Lease involves or would involve any
          expenditure of

                                       29
<PAGE>

          money by the Lessors and in the reasonable opinion of the Lessors (and
          in the event of any dispute between the Lessors and the Lessee as
          determined by an Independent Surveyor appointed in the same manner as
          is provided for in Clause 4 of this Lease) all or any part of such
          expenditure would not have been incurred had it not been for the
          existence of a defect in the refurbishment of the Premises ("the
          Works") carried out by the Lessor under the Agreement for Lease or in
          anything installed in the Premises as part of the Works which is
          attributable to

          (a) defective design or

          (b) defective supervision of construction or installation of the Works
          or

          (c) defective workmanship or materials or

          (d) the Works having been carried out otherwise than in accordance
          with the specification as referred to in the Agreement for Lease

          then the Lessee may require the Lessors and the Lessors shall take all
          reasonable steps (including if appropriate the institution of
          proceedings) to enforce all rights and remedies of the Lessors
          (whether in contact or tort) which the Lessors may at any time have in
          respect of any of the items listed in sub-clause (a) to (d) inclusive
          with at view to procuring the remedy of such defect by the person or
          persons concerned without cost to the Lessors or the Lessee or (as the
          case may be) to recover from the person or persons concerned the cost
          (including all incidental expenses) of remedying the same

9.5.2     Any money recovered by the Lessors from any person in accordance with
          Clause 9.5.1 above (whether by way of compensation damages or
          otherwise) in respect of the defect in question shall be held on trust
          by the Lessors to be applied

          (a) first in making good the defect in question

          (b) secondly in or towards payment of all professional costs fees and
          expenses whatever incurred by the Lessors in compliance with its
          obligations under Clause 9.5.1 in respect of the defects in question
          (save to the extent the same may have previously been met by the
          Lessee)

                                       30
<PAGE>

          (c) thirdly in or toward payment or repayment to the Lessee of all (if
          any) costs and incidental expenses incurred by the Lessee

9.5.3     The obligations in Clauses 9.5.1 and/or 9.5.2 shall arise only if the
          defect in question is material or the expenditure to remedy the same
          would be substantial and would be a matter which the Lessee would be
          liable for by way of service charge

          10.0      NEW LEASE

                    This Lease is a new Lease under the 1995 Act

          11.0      SURETY CLAUSE

          11.1      The Surety covenants with the Lessors named in this Lease
                    and (without the need for any express assignment) with all
                    of its successors in title:

          11.1.1    That if the Lessee does not pay the Yearly Rent or any other
                    sum due under this Lease to pay to the Lessors on demand the
                    Yearly Rent or other sum and the expression "other sum"
                    includes (for example) any sum that the Lessee is ordered to
                    pay in any proceedings arising out of this Lease or agrees
                    to pay by way of settlement of those proceedings

          11.1.2    That if the Lessee is in breach of any provision of this
                    Lease to remedy that breach on demand and to indemnify and
                    keep indemnified the Lessors against all losses costs claims
                    or demands suffered by the Lessors as a result (directly or
                    indirectly) of that breach

          11.1.3    That in addition to the obligations set our in clauses
                    11.1.1 and 11.1.2 and if this Lease is disclaimed by a
                    trustee in bankruptcy or liquidator to pay to the Lessors on
                    demand an amount equal to the Yearly Rent and other sums of
                    a recurring nature that would have been payable under this
                    Lease for the period beginning on the date of disclaimer and
                    ending on the earliest of

                                       31
<PAGE>

          11.1.3.1  the date upon which the Premises are re-let or

          11.1.3.2  the expiry of the Term or

          11.1.3.3  the expiry of the period of 90 days beginning on the date of
                    the disclaimer

          11.1.4    That if this Lease is disclaimed as aforesaid and if
                    requested by Lessors within ninety days of disclaimer to
                    take from the Lessors a lease of the Premises from the date
                    of disclaimer for the residue of the Term at the Yearly Rent
                    payable at the time of disclaimer (or where a rent review is
                    pending at the time of disclaimer at the Yearly Rent that is
                    subsequently agreed or determined to have been payable at
                    the time of disclaimer) and upon the same terms as those
                    contained in this Lease with all provisions of a periodical
                    nature (including for example those relating to review of
                    the Yearly Rent) expressed to apply on the actual dates that
                    would have applied if this Lease had not been disclaimed

          11.1.5    To pay the proper costs of the Lessors incurred in relation
                    to the grant of the lease to the Surety

          11.2      The obligations of the Surety set out in clause 11.1 will
                    continue to apply even if:

          11.2.1    the Lessors grant any time or indulgence to the Lessee or
                    fail to enforce payment of the Yearly Rear or other sum or
                    the performance of the terms of this Lease

          11.2.2    the Lessors refuse to accept the Yearly Rent tendered when
                    the Lessors are entitled (or would after the service of a
                    notice under the Law of Property Act 1925 section 146 be
                    entitled) to re-enter the Premises

          11.2.3    the terms of this Lease are varied except that where a
                    variation increases an obligation of the Lessee (other than
                    the obligation to pay a revised Yearly Rent referred to in

                                       32
<PAGE>

                    clause 11.2.4) or imposes a new obligation on the Lessee the
                    Surety will not be liable in respect of that variation but
                    will be liable on the terms of this Lease without that
                    variation

          11.2.4    a revised Yearly Rent has been agreed or determined
                    including any stepped rent phased rent or other rental
                    formula that may be agreed

          11.2.5    the Lessee surrenders part of the Premises and where this
                    happens the liability of the Surety under this Lease
                    continues for the part of the Premises not surrendered after
                    making any necessary apportionments under the Law of
                    Property Act 1925 section 140

          11.2.6    the Surety would have been released by any other event

          11.3      The Lessee covenants with the Lessors:

          11.3.1    to give notice to the Lessors within fourteen days if the
                    Surety (or if more than one person is included in this term
                    any of them) or any other guarantor for the Lessee for the
                    time being becomes insolvent (as defined in clause 11.3.3
                    below) or dies or has a receiver appointed under the Mental
                    Health Act 1983

11.3.2 if required by the Lessors following the service of a notice under the
preceding clause to procure that within twenty eight days of the request some
other person reasonably acceptable to the Lessors enters into covenants with the
Lessors in the form of clauses 11.1 - 11.2 or in such other form as the Lessors
reasonably require

11.3.3 For the purposes of clause 11.3.1 above 'insolvent' shall mean (if the
Surety is a corporation) that a voluntary arrangement is approved or an
administration order made or a receiver or administrative receiver appointed of
any of the Surety's assets or undertaking or a winding-up resolution or petition
is passed (otherwise than by a solvent company for the purposes of
reconstruction or

                                       33
<PAGE>

amalgamation) or (if the Surety is an individual or individuals) an interim
order is made or a voluntary arrangement approved or if a bankruptcy order is
made or if a receiver or trustee in bankruptcy is appointed of the Surety's
estate or other similar or equivalent action is taken against or the Surety by
reason of insolvency or in consequence of debt

          IN WITNESS whereof this Lease has been executed as a Deed the day and
year first above written

                               THE FIRST SCHEDULE

                          Rights and easements granted

1.        The right (in common with all others having a like right) of passage
          and running of water and soil gas electricity telephone and other
          services or supplies from and to the Premises through such of the
          sewers drains conduits gutters watercourses pipes cables wires and
          mains serving the Premises which now are or hereafter during the Term
          may be in on over alongside or under adjoining premises belonging to
          the Lessors Provided that the foregoing shall not imply any right
          permitting the Lessee to make connections thereto nor to place in on
          over alongside or under such adjoining premises any sewers drains
          conduits gutters watercourses pipes cables wires or mains except such
          of the same and in such positions as may be approved by the City
          Surveyor in his absolute discretion

2.        The right for the Lessee with the servants agents contractors and
          workmen of the Lessee so far as may be necessary and in accordance
          with any conditions the Lessor may reasonably impose at all reasonable
          times to enter on such adjoining premises of the Lessors on reasonable
          written notice (except in case of emergency) for the purpose of
          repairing cleansing maintaining and amending such sewers drains
          conduits gutters watercourses pipes cables wires and mains the Lessee
          doing as little damage as possible and making good all damage
          occasioned by the exercise of such right

3.        Without prejudice to the other provisions of this Schedule the right
          to install plant and machinery on areas of the roof of the Building
          (subject to

                                       34
<PAGE>

          the Lessors' approval not to be unreasonably withheld or delayed)

4.        The right for the Lessee with the servants agents contractors and
          workmen of the Lessee so far as may be necessary and in accordance
          with any conditions the Lessors may reasonably impose at all times on
          reasonable written notice to enter on to the roof of the Building for
          the purpose of inspecting repairing cleansing maintaining and amending
          such of the lessee's plant and equipment as may be situated thereon
          the Lessee doing as little damage as possible and making good all
          damage occasioned by the exercise of such right

5.        The right to the use and enjoyment of the airspace within the
          lightwell above the first floor courtyard which forms part of the
          Premises between the surface of the said courtyard and the roof level
          of the Building but for the avoidance of doubt excluding the airspace
          above the roof light serving the ground floor retail premises within
          the Building

6.        The right in common with all others having a like right to use the
          shared loading bay within the Building

7.        The right in common with all others having a like right of access to
          and to use the bicycle parking areas situated beneath the pavement in
          Alfred Place

8.        A right of entry (with or without workmen and equipment) at all times
          for all purposes to that part of the Premises situate in the basement
          of the Building

9.        The right of way in common with all others having a like right at all
          times and for all purposes (including escape in case of emergency)
          over the shared staircase adjoining the shared loading bay and leading
          to and from Alfred Place

10        The right to place at the cost of the Lessee in a type design material
          and colour approved by the City Surveyor (matching existing notices
          boards or plates if the City Surveyor so requires) the name of the
          Lessee on a plate on the entrance door to the Premises

                               THE SECOND SCHEDULE

                                       35
<PAGE>

                     Reservations to the Lessors and others

1.        The right of passage and running of water and soil gas electricity
          telephone and other services or supplies from and to adjoining
          premises of the Lessors through such of the sewers drains conduits
          gutters watercourses pipes cables wires and mains serving such
          adjoining premises which now are or hereafter during the Term may be
          in on or under the Premises

2.        The right for the Lessors and their lessees licensees and tenants of
          such adjoining premises with servants agents contractors and workmen
          at all times on reasonable notice (except in case of emergency) to
          enter on the Premises for the purpose of connecting to laying
          repairing cleansing maintaining and amending such sewers drains
          conduits gutters watercourses pipes cables wires and mains the persons
          exercising this right causing as little damage as reasonably possible
          and making good all damage occasioned to the Premises by the exercise
          of such right to the reasonable satisfaction of the Lessee but without
          payment of compensation for any annoyance nuisance damage noise
          vibration or inconvenience caused to the Lessee or any occupier of the
          Premises in connection with the use by such persons of the Premises

3.        The right of way for the Lessors and their lessees licensee and
          tenants of such adjoining premises with servants agents contractors
          and workmen at all times on reasonable written notice through the
          Premise to and from the roof of the Building for the purpose of
          installing plant or of inspecting repairing cleansing maintaining and
          altering such plant and equipment as may be situated thereon causing
          as little damage as reasonably possible and making good all damage
          occasioned to the Premises by the exercise of such right to the
          reasonable satisfaction of the Lessee

4.        The right for the Lessors or the tenant or other occupier of the
          ground floor premises served by the roof light at the base of the
          lightwell to enter the Premises with or without servants agents and
          workmen and

                                       36
<PAGE>

          equipment at all reasonable times on reasonable notice (save in case
          of emergency) for the purpose of inspecting cleaning maintaining
          repairing or replacing the roof light causing as little damage as
          reasonably possible and making good all damage occasioned to the
          Premises by the exercise of such right to the reasonable satisfaction
          of the Lessee

5.        The right of way on foot only in case of emergency up the stairs to
          and through the ground floor entrance area to Alfred Place for the
          tenants and occupiers of the basement premises within the Building

6.        The right of way for the Lessors with servants agents contractors and
          workmen at all times through the ground floor entrance area and down
          the stairs to the basement to and from the boiler room

                               THE THIRD SCHEDULE

                                  The Services

1.        Cleaning maintaining decorating repairing and renewing the exterior
          foundations structure and roof of the Building

2.        Lighting heating cleaning maintaining decorating repairing and
          renewing the common parts of the Building (being all those parts that
          are not intended to be let) including (but not limited to):-

2.1       all drains sewers pipes wires and other conducting media other than
          those exclusively serving the Premises or exclusively serving other
          premises in the Building which are let or intended for letting

2.2       any areas used by the Lessors in connection with the provision of the
          Services

2.3       the common ducts and the contents of the switch rooms and battery room
          for emergency lighting

2.4       the shared loading bay

3.        The provision of heating to the Premises

4.        Provision of a Premises Controller for the Building and the Lessors
          adjoining and neighbouring premises and appropriate office
          accommodation within the Building or Lessors' adjoining or

                                       37
<PAGE>

          neighbouring premises

5.        Running expenses maintaining testing (where appropriate) repair
          renewal replacement and insurance of the boiler the building
          management system the sprinkler and fire alarm systems and other plant
          and equipment in or serving the Building other than any exclusively
          serving the Premises or exclusively serving other premises in the
          Building which are let or intended for letting

6.        Provision of security patrols or such security arrangements as the
          Lessors consider appropriate

7.        Maintenance and repair of the bicycle parking areas

8.        Pest control

9.        Provision of any other services facilities or amenities which the
          Lessors may from time to time reasonably consider to be for the
          benefit of the Building or any part of it (whether or not in common
          with other premises) or the occupiers thereof and in keeping with the
          principles of good estate management

                              THE FOURTH SCHEDULE

                                  Rent Review

1.1       The Yearly Rent may be reviewed by the Lessors as the Review Date by
          service on the Lessee of a notice requiring such review ('the Lessors'
          Notice') and if upon any such review the full rack rental value of the
          Premises has increased the Yearly Rent shall be increased to the full
          rack rental value of the Premises with effect from the Review Date
          (notwithstanding the Lessors' Notice being served either before or
          after such date)

1.2       If the Lessors and the Lessee shall fail to agree the full rack rental
          value within three months of the date of the Lessors' Notice it shall
          be determined by an independent surveyor to be appointed by agreement
          between the Lessors and the Lessee or in default of agreement to be
          appointed on the application of either party by the President for the
          time being of the Royal Institution of Chartered Surveyors

                                       38
<PAGE>

1.3       The determination by such independent surveyor shall be as arbitrator
          in accordance with Clause 4

1.4       The independent surveyor's costs in connection with such determination
          shall be borne in equal proportions by the Lessors and the Lessee

1.5       If any such independent surveyor shall die delay or be or become
          unwilling or incapable of acting or if for any other reason the said
          President shall in his absolute discretion think fit the said
          President shall in his absolute discretion and as often as necessary
          by writing discharge any such surveyor and appoint another in his
          place

2.1       For the purposes of the Lease 'full rack rental value' shall mean the
          best rent at which the Premises might reasonably be expected to be let
          in the open market (but taking no account of a tenant with a special
          interest in the Premises) (after the expiry of any rent free or
          concessionary rent period or the giving of any other inducement by the
          willing lessor to the willing lessee in connection with the fitting
          out of the Premises as would be negotiated in the open market so that
          no discount reduction or allowance shall be made to reflect (or to
          compensate the lessee or hypothetical tenant for the absence of) any
          such rent free or concessionary rent period or other inducement) by a
          willing lessor to a willing lessee at the Review Date without a
          premium with vacant possession for a term of equal length to the term
          originally hereby created calculated from the Review Date upon the
          terms of this Lease (other than the amount of rent but including these
          provisions for rent review) upon the following matters

2.2       THE ASSUMPTIONS ARE:-

          2.2.1     the Lessee has complied with all the covenants imposed by
                    the Lease upon the Lessee including without prejudice to the
                    generality of the foregoing the Lessee's obligations as to
                    repair and redecoration

          2.2.2     the Premises are fit for immediate occupation and use for

                                       39
<PAGE>

                    the purposes permitted by this Lease with all services
                    connected including small power with floor boxes supplied

          2.2.3     the Premises have been fitted at the Lessors' expense with a
                    22mm Junkers steamed beech hardwood floor on a New Era floor
                    levelling system or flooring and high grade carpet or floor
                    covering of a similar quality and with Concord wall mounted
                    uplighters and Tempora surface mounted up/downlighters or
                    lighting of a similar quality

          2.2.4     no work has been carried out to the Premises by the Lessee
                    or any predecessor in title during the Term which has
                    diminished the rental value of the Premises

          2.2.5     in case the Building or any part thereof has been destroyed
                    or damaged it has been fully restored

2.3       BUT DISREGARDING:-

          2.3.1     the occupation of the Premises by the Lessee or any of the
                    Lessee's tenants or any of their respective
                    predecessors-in-title

          2.3.2     any goodwill attached to the Premises by reason of the
                    carrying on thereat of the business of the Lessee or any of
                    the Lessee's tenants or any of their respective
                    predecessors-in-title in that or any similar business

          2.3.3     any alterations or improvements to the Premises made
                    otherwise than pursuant to any obligation to the Lessors on
                    the Lessee's part to carry out such work (but which shall
                    not include works on the part of the Lessee in compliance
                    with clause 3.4 of this Lease) at the sole expense of the
                    Lessee during the Term and not more than 21 years before the
                    Review Date and with the consent of the Lessors

3.1       The revised rent payable by the Lessee as from the Review Date shall
          be the greater of:-

          3.1.1     any rent agreed between the parties or by an independent

                                       40
<PAGE>

                    surveyor as hereinbefore provided or

          3.1.2     the rent payable immediately prior to the Review Date

4.1       If the revised rent has not been agreed as aforesaid before the Review
          Date then

          4.1.1     rent shall continue to be payable at the existing rate until
                    the revised rent has been agreed and

          4.1.2     as soon as the revised rent has been so agreed the Lessee
                    shall pay to the Lessors a sum equal to the amount (if any)
                    by which the rent already paid falls short of the revised
                    rent together with interest upon such shortfall at the
                    Interest Rate calculated from the Review Date or any later
                    date on which to same became due to the date of actual
                    payment

5.        Time shall not be of the essence in respect of any part of the review
          procedure hereinbefore contained

THE COMMON SEAL OF THE MAYOR
AND COMMONALTY AND CITIZENS
OF THE CITY OF LONDON was
hereunto affixed in the presence of:-

                                        /s/ J. Clift
                                        J. CLIFT
                                        ASSISTANT CITY SOLICITOR

                                       41<PAGE>

                                                                    EXHIBIT 10.5

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

                           REVOLVING CREDIT AGREEMENT

                            Dated as of July 25, 2000

                                      among

                                  DIGITAS LLC,
                                 as the Borrower

                                       and

                                  DIGITAS INC.
                                  VESUVIO, INC.
                          BRONNER SLOSBERG HUMPHREY CO.
                                       and
                                BSH HOLDING LLC,
                                  as Guarantors

                                       and

                               FLEET NATIONAL BANK

                  and the other lending institutions set forth
                              on Schedule 1 hereto

                                       and

                          FLEET NATIONAL BANK, as Agent

--------------------------------------------------------------------------------
<PAGE>

                                TABLE OF CONTENTS
@@
1. DEFINITIONS AND RULES OF INTERPRETATION. .................................1
       1.1.    Definitions. .................................................1
       1.2.    Rules of Interpretation. .....................................19
2. THE REVOLVING CREDIT FACILITY. ...........................................21
       2.1.    Commitment to Lend. ..........................................21
       2.2.    Commitment Fee. ..............................................21
       2.3.    Reduction of Total Commitment. ...............................21
       2.4.    The Revolving Credit Notes. ..................................22
       2.5.    Interest on Revolving Credit Loans. ..........................22
       2.6.    Requests for Revolving Credit Loans. .........................22
       2.7.    Conversion Options. ..........................................23
               2.7.1. Conversion to Different Type of Revolving Credit
                      Loan. .................................................23
               2.7.2. Continuation of Type of Revolving Credit Loan. ........23
               2.7.3. Eurocurrency Rate Loans. ..............................24
       2.8.    Funds for Revolving Credit Loan. .............................24
               2.8.1. Funding Procedures. ...................................24
               2.8.2. Advances by Agent. ....................................25
       2.9.    Optional Currency. ...........................................25
               2.9.1. Request for Optional Currency. ........................25
               2.9.2. Exchange Rate. ........................................26
               2.9.3. Denominations. ........................................26
               2.9.4. Repayment. ............................................26
               2.9.5. Funding. ..............................................27
       2.10.   Settlements. .................................................27
               2.10.1. General. .............................................27
               2.10.2. Failure to Make Funds Available. .....................28
               2.10.3. No Effect on Other Banks. ............................28
3. REPAYMENT OF THE REVOLVING CREDIT LOANS. .................................28
       3.1.    Maturity. ....................................................28
       3.2.    Mandatory Repayments of Revolving Credit Loans. ..............29
       3.3.    Optional Repayments of Revolving Credit Loans. ...............29
4. LETTERS OF CREDIT. .......................................................29
       4.1.    Letter of Credit Commitments. ................................29
               4.1.1. Commitment to Issue Letters of Credit. ................29
               4.1.2. Letter of Credit Applications. ........................30
               4.1.3. Terms of Letters of Credit. ...........................30
               4.1.4. Reimbursement Obligations of Banks. ...................30
               4.1.5. Participations of Banks. ..............................30
       4.2.    Reimbursement Obligation of the Borrower. ....................31

<PAGE>
                                      -ii-

       4.3.    Letter of Credit Payments. ...................................31
       4.4.    Obligations Absolute. ........................................32
       4.5.    Reliance by Issuer. ..........................................32
       4.6.    Letter of Credit Fee. ........................................33
5. CERTAIN GENERAL PROVISIONS. ..............................................33
       5.1.    Closing Fee. .................................................33
       5.2.    Agent's Fee. .................................................33
       5.3.    Funds for Payments. ..........................................33
               5.3.1. Payments to Agent. ....................................33
               5.3.2. No Offset, etc. .......................................34
       5.4.    Computations. ................................................34
       5.5.    Inability to Determine Eurocurrency Rate. ....................35
       5.6.    Illegality. ..................................................35
       5.7.    Additional Costs, etc. .......................................36
       5.8.    Capital Adequacy. ............................................37
       5.9.    Certificate. .................................................37
       5.10.   Indemnity. ...................................................38
       5.11.   Interest After Default. ......................................38
               5.11.1. Overdue Amounts. .....................................38
               5.11.2. Amounts Not Overdue. .................................38
       5.12.   Currency Matters. ............................................38
               5.12.1. Currency of Account. .................................38
               5.12.2. Currency Fluctuations. ...............................39
       5.13.   European Monetary Union. .....................................40
       5.14.   Lending Office. ..............................................42
       5.15.   Replacement of Banks. ........................................42
6. GUARANTY. ................................................................43
       6.1.    Guaranty of Payment and Performance. .........................43
       6.2.    Parent Companies' Agreement to Pay Enforcement Costs, etc. ...43
       6.3.    Waivers by the Parent Companies, Banks; Freedom to Act. ......44
       6.4.    Unenforceability of Obligations Against Borrower. ............45
       6.5.    Subrogation; Subordination. ..................................45
               6.5.1. Postponement of Rights Against Borrower. ..............45
               6.5.2. Subordination. ........................................45
               6.5.3. Provisions Supplemental. ..............................46
       6.6.    Security, Setoff. ............................................46
       6.7.    Further Assurances. ..........................................46
       6.8.    Reinstatement. ...............................................46
       6.9.    Successors and Assigns. ......................................47
7. COLLATERAL SECURITY AND GUARANTIES. ......................................47
       7.1.    Security of Borrower. ........................................47
       7.2.    Guaranties and Security of Subsidiaries. .....................47
8. REPRESENTATIONS AND WARRANTIES. ..........................................47

<PAGE>
                                     -iii-

       8.1.    Corporate Authority. .........................................47
               8.1.1. Incorporation; Good Standing. .........................47
               8.1.2. Authorization. ........................................48
               8.1.3. Enforceability. .......................................48
       8.2.    Governmental Approvals. ......................................48
       8.3.    Title to Properties; Leases. .................................49
       8.4.    Financial Statements, Projections and Solvency. ..............49
               8.4.1. Fiscal Year. ..........................................49
               8.4.2. Financial Statements. .................................49
               8.4.3. Projections. ..........................................49
               8.4.4. Solvency. .............................................50
       8.5.    No Material Changes, etc. ....................................50
       8.6.    Franchises, Patents, Copyrights, etc. ........................50
       8.7.    Litigation. ..................................................50
       8.8.    No Materially Adverse Contracts, etc. ........................50
       8.9.    Compliance with Other Instruments, Laws, etc. ................51
       8.10.   Tax Status. ..................................................51
       8.11.   No Event of Default. .........................................51
       8.12.   Holding Company and Investment Company Acts. .................51
       8.13.   Absence of Financing Statements, etc. ........................51
       8.14.   Perfection of Security Interest. .............................52
       8.15.   Certain Transactions. ........................................52
       8.16.   Employee Benefit Plans. ......................................52
               8.16.1. In General. ..........................................52
               8.16.2. Terminability of Welfare Plans. ......................52
               8.16.3. Guaranteed Pension Plans. ............................53
               8.16.4. Multiemployer Plans. .................................53
       8.17.   Use of Proceeds. .............................................53
               8.17.1. General. .............................................53
               8.17.2. Regulations U and X. .................................53
               8.17.3. Ineligible Securities. ...............................54
       8.18.   Environmental Compliance. ....................................54
       8.19.   Subsidiaries, etc. ...........................................55
       8.20.   Bank Accounts. ...............................................55
       8.21.   Disclosure. ..................................................55
       8.22.   No Filing, Recording Required. Each of t. ....................56
       8.23.   No Withholding, Etc. .........................................56
9. AFFIRMATIVE COVENANTS OF THE BORROWER. ...................................56
       9.1.    Punctual Payment. ............................................56
       9.2.    Maintenance of Office. .......................................56
       9.3.    Records and Accounts. ........................................57
       9.4.    Financial Statements, Certificates and Information. ..........57
       9.5.    Notices. .....................................................58
               9.5.1. Defaults. .............................................58
<PAGE>
                                      -iv-

               9.5.2. Environmental Events. .................................58
               9.5.3. Notification of Claim against Collateral. .............59
               9.5.4. Notice of Litigation and Judgments. ...................59
       9.6.    Corporate Existence; Maintenance of Properties. ..............59
       9.7.    Insurance. ...................................................60
       9.8.    Taxes. .......................................................60
       9.9.    Inspection of Properties and Books, etc. .....................60
               9.9.1. General. ..............................................60
               9.9.2. Communications with Accountants. ......................60
       9.10.   Compliance with Laws, Contracts, Licenses, and Permits. ......61
       9.11.   Employee Benefit Plans. ......................................61
       9.12.   Use of Proceeds. .............................................61
       9.13.   Bank Accounts. ...............................................61
       9.14.   New Guarantors. ..............................................62
       9.15.   Additional Subsidiaries. .....................................62
       9.16.   Replacement Instruments. .....................................62
       9.17.   Landlord Consents. ...........................................62
       9.18.   Further Assurances. ..........................................62
10. CERTAIN NEGATIVE COVENANTS OF THE BORROWER. .............................63
       10.1.   Restrictions on Indebtedness. ................................63
       10.2.   Restrictions on Liens. .......................................64
       10.3.   Restrictions on Investments. .................................65
       10.4.   Restricted Payments. .........................................67
       10.5.   Merger, Consolidation and Disposition of Assets. .............67
               10.5.1. Mergers and Acquisitions. ............................67
               10.5.2. Disposition of Assets. ...............................67
       10.6.   Sale and Leaseback. ..........................................67
       10.7.   Compliance with Environmental Laws. ..........................68
       10.8.   Subordinated Debt. ...........................................68
       10.9.   Upstream Limitations. ........................................68
       10.10.  Employee Benefit Plans. ......................................68
       10.11.  Business Activities. .........................................69
       10.12.  Fiscal Year. .................................................69
       10.13.  Transactions with Affiliates. ................................69
       10.14.  Bank Accounts. ...............................................69
       10.15.  Inconsistent Agreements. .....................................70
       10.16.  Modification of Documents and Charter Documents. .............70
11. FINANCIAL COVENANTS OF THE BORROWER. ....................................70
       11.1.   Leverage Ratio. ..............................................70
       11.2.   Minimum EBITDA. ..............................................70
       11.3.   Fixed Charge Coverage Ratio. .................................70
12. CLOSING CONDITIONS. .....................................................71
       12.1.   Loan Documents. ..............................................71
       12.2.   Certified Copies of Charter Documents. .......................71

<PAGE>
                                      -v-

       12.3.   Corporate Action. ............................................71
       12.4.   Incumbency Certificate. ......................................71
       12.5.   Validity of Liens. ...........................................71
       12.6.   Perfection Certificates and UCC Search Results. ..............71
       12.7.   Certificates of Insurance. ...................................72
       12.8.   Replacement Letter of Credit. ................................72
       12.9.   Solvency Certificate. ........................................72
       12.10.  Opinion of Counsel. ..........................................72
       12.11.  Payment of Fees. .............................................72
       12.12.  Payoff Letter. ...............................................72
13. CONDITIONS TO ALL BORROWINGS. ...........................................72
       13.1.   Representations True; No Event of Default. ...................72
       13.2.   No Legal Impediment. .........................................73
       13.3.   Governmental Regulation. .....................................73
       13.4.   Proceedings and Documents. ...................................73
       13.5.   Exchange Limitations. ........................................73
14. EVENTS OF DEFAULT; ACCELERATION; ETC. ...................................73
       14.1.   Events of Default and Acceleration. ..........................73
       14.2.   Termination of Commitments. ..................................77
       14.3.   Remedies. ....................................................78
       14.4.   Distribution of Collateral Proceeds. .........................78
       14.5.   Judgement Currency. ..........................................79
15. SETOFF. .................................................................79
16. THE AGENT. ..............................................................80
       16.1.   Authorization. ...............................................80
       16.2.   Employees and Agents. ........................................81
       16.3.   No Liability. ................................................81
       16.4.   No Representations. ..........................................81
               16.4.1. General. .............................................81
               16.4.2. Closing Documentation, etc. ..........................82
       16.5.   Payments. ....................................................82
               16.5.1. Payments to Agent. ...................................82
               16.5.2. Distribution by Agent. ...............................82
               16.5.3. Delinquent Banks. ....................................82
       16.6.   Holders of Notes. ............................................83
       16.7.   Indemnity. ...................................................83
       16.8.   Agent as Bank. ...............................................83
       16.9.   Resignation. .................................................83
       16.10.  Notification of Defaults and Events of Default. ..............84
       16.11.  Duties in the Case of Enforcement. ...........................84
17. EXPENSES AND INDEMNIFICATION. ...........................................84
       17.1.   Expenses. ....................................................84
       17.2.   Indemnification. .............................................85
       17.3.   Survival. ....................................................86

<PAGE>
                                      -vi-

18. TREATMENT OF CERTAIN CONFIDENTIAL INFORMATION. ..........................86
       18.1.   Confidentiality. .............................................86
       18.2.   Prior Notification. ..........................................86
       18.3.   Other. .......................................................87
19. SURVIVAL OF COVENANTS, ETC. .............................................87
20. ASSIGNMENT AND PARTICIPATION. ...........................................87
       20.1.   Conditions to Assignment by Banks. ...........................87
       20.2.   Certain Representations and Warranties; Limitations;
               Covenants. ...................................................88
       20.3.   Register. ....................................................89
       20.4.   New Notes. ...................................................89
       20.5.   Participations. ..............................................90
       20.6.   Disclosure. ..................................................90
       20.7.   Assignee or Participant Affiliated with the Borrower. ........90
       20.8.   Miscellaneous Assignment Provisions. .........................91
       20.9.   Assignment by Borrower. ......................................91
21. NOTICES, ETC. ...........................................................91
22. GOVERNING LAW. ..........................................................92
23. HEADINGS. ...............................................................92
24. COUNTERPARTS. ...........................................................92
25. ENTIRE AGREEMENT, ETC. ..................................................93
26. WAIVER OF JURY TRIAL. ...................................................93
27. CONSENTS, AMENDMENTS, WAIVERS, ETC. .....................................93
28. USURY. ..................................................................94
29. SEVERABILITY. ...........................................................94
30. LETTER OF CREDIT TRANSITIONAL ARRANGEMENTS. .............................94

@@

<PAGE>

                       List of Schedules and Exhibits

@@           SCHEDULES
             ---------
             Schedule 1             Banks; Commitment
             Schedule 8.3           Title to Properties; Leases
             Schedule 8.7           Litigation
             Schedule 8.16          Employee Benefit Plans
             Schedule 8.18          Environmental Compliance
             Schedule 8.19(a)       Subsidiaries
             Schedule 8.19(b)       Joint Ventures; Partnerships
             Schedule 8.20          Bank Accounts
             Schedule 10.1          Existing Indebtedness
             Schedule 10.2          Existing Liens
             Schedule 10.3          Existing Investments

             EXHIBITS
             --------
             Exhibit A              Revolving Credit Note
             Exhibit B              Loan Request
             Exhibit C              Guaranty
             Exhibit D              Compliance Certificate
             Exhibit E              Assignment and Acceptance
             Exhibit F              OC (Optional Currency) Notice
@@
<PAGE>

                           REVOLVING CREDIT AGREEMENT

      This REVOLVING CREDIT AGREEMENT is made as of July 25, 2000, by and among
DIGITAS LLC (the "Borrower"), a Delaware limited liability company having its
principal place of business at The Prudential Tower, 800 Boylston Street,
Boston, MA 02199, and DIGITAS INC., a Delaware corporation, VESUVIO, INC. a
Delaware corporation, BRONNER SLOSBERG HUMPHREY CO., a Massachusetts business
trust, and BSH HOLDING LLC, a Delaware limited liability company, as guarantors,
and FLEET NATIONAL BANK, a national banking association, and the other lending
institutions listed on Schedule 1 and FLEET NATIONAL BANK as agent for itself
and such other lending institutions.

                   1. DEFINITIONS AND RULES OF INTERPRETATION.

      1.1. Definitions. The following terms shall have the meanings set forth in
this ss.1 or elsewhere in the provisions of this Credit Agreement referred to
below:

      Accounts Receivable. All rights of the Borrower or any of its Subsidiaries
to payment for goods sold, leased or otherwise marketed in the ordinary course
of business and all rights of the Borrower or any of its Subsidiaries to payment
for services rendered in the ordinary course of business and all sums of money
or other proceeds due thereon pursuant to transactions with account debtors,
except for that portion of the sum of money or other proceeds due thereon that
relate to sales, use or property taxes in conjunction with such transactions,
recorded on books of account in accordance with generally accepted accounting
principles.

      Adjustment Date. The first Business Day which is five (5) Business Days
after receipt by the Agent of the most recent Compliance Certificate required to
be delivered by the Borrower pursuant to ss.9.4(c).

      Affiliate. Any Person that would be considered to be an affiliate of the
Borrower under Rule 144(a) of the Rules and Regulations of the Securities and
Exchange Commission, as in effect on the date hereof, if the Borrower were
issuing securities.

      Agent. Fleet National Bank, acting as agent for the Banks.

      Agent's Head Office. The Agent's office located at 100 Federal Street,
Boston, Massachusetts 02110, or at such other location as the Agent may
designate from time to time.

      Agent's Special Counsel. Bingham Dana LLP or such other counsel as may be
approved by the Agent.

<PAGE>
                                       -2-

      Applicable Margin. For each period commencing on an Adjustment Date
through the date immediately preceding the next Adjustment Date (each a "Rate
Adjustment Period"), the Applicable Margin shall be the applicable margin set
forth below with respect to the Leverage Ratio as determined for the period
ending on the fiscal quarter ended immediately preceding the applicable Rate
Adjustment Period.
<TABLE>
<CAPTION>
--------------------------------------------------------------------------------
                            PRIME                         LETTER OF   COMMITMENT
                             RATE    EUROCURRENCY RATE     CREDIT        FEE
LEVERAGE RATIO              LOANS          LOANS            FEE          RATE
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
<S>                          <C>          <C>             <C>          <C>
Greater than or equal         0%           2.00%           2.00%        0.250%
to 2.00:1.00
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Less than 2.00:1.00
but greater than or
equal to 1.50:1.00            0%           1.75%           1.75%        0.250%
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Less than 1.50:1.00 but
greater than or equal to
1.00:1.00                     0%           1.50%           1.50%        0.125%
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Less than 1.00:1.00           0%           1.25%           1.25%        0.125%
--------------------------------------------------------------------------------
</TABLE>
      Notwithstanding the foregoing, if the Borrower fails to deliver any
Compliance Certificate pursuant to ss.9.4(c) hereof then, for the period
commencing on the next Adjustment Date to occur subsequent to such failure
through the date immediately following the date on which such Compliance
Certificate is delivered, the Applicable Margin shall be the highest Applicable
Margin set forth above.

      Assignment and Acceptance. See ss.20.1.

      Balance Sheet Date. December 31, 1999.

      Banks. Fleet and the other lending institutions listed on Schedule 1
hereto and any other Person who becomes an assignee of any rights and
obligations of a Bank pursuant to ss.20.

      Borrower. As defined in the preamble hereto.

      BSHC. Bronner Slosberg Humphrey Co., a Massachusetts business trust and
the sole member-manager of BSH Holding.

      BSH Holding. BSH Holding LLC, a Delaware limited liability company and the
sole member-manager of the Borrower.

<PAGE>
                                      -3-

      Business Day. Any day other than a Saturday or Sunday on which banking
institutions in Boston, Massachusetts, are open for the transaction of banking
business and, in addition, (a) if Eurocurrency Rate Loans denominated in Dollars
are involved, a day which is also a day in which commercial banks are open for
international business (including dealings in Dollar deposits) in London or such
other Eurocurrency Interbank Market as may be selected by the Agent in its sole
discretion acting in good faith; and (b) if Eurocurrency Rate Loans denominated
in an Optional Currency are involved, a day (i) on which dealings and exchange
in Dollars and the relevant Optional Currency can be carried on in the relevant
Eurocurrency Interbank Market and Dollar settlements of such dealings may be
effected in Boston, Massachusetts and London, England, and (ii) on which
dealings in Dollars and the relevant Optional Currency and exchange can be
carried on in the principal financial center of the country in which such
currency is legal tender.

      Capital Assets. Fixed assets, both tangible (such as land, buildings,
fixtures, machinery and equipment) and intangible (such as patents, copyrights,
trademarks, franchises and good will); provided that Capital Assets shall not
include any item customarily charged directly to expense, depreciated or
amortized over a useful life of twelve (12) months or less in accordance with
generally accepted accounting principles.

      Capital Expenditures. Amounts paid or Indebtedness incurred by any of the
Parent Companies, the Borrower or any of their Subsidiaries in connection with
(a) the purchase or lease by any of the Parent Companies, the Borrower or any of
its Subsidiaries of Capital Assets that would be required to be capitalized and
shown on the balance sheet of such Person in accordance with generally accepted
accounting principles or (b) the lease of any assets by any of the Parent
Companies, the Borrower or any of their Subsidiaries as lessee under any
Synthetic Lease to the extent that such assets would have been Capital Assets
had the Synthetic Lease been treated for accounting purposes as a Capitalized
Lease.

      Capitalization Documents. Collectively, the formation documents
(including, without limitation, any certificate of incorporation and by-laws) of
the Borrower and its Subsidiaries.

      Capitalized Leases. Leases under which any of the Parent Companies, the
Borrower or any of their Subsidiaries is the lessee or obligor, the discounted
future rental payment obligations under which are required to be capitalized on
the balance sheet of the lessee or obligor in accordance with generally accepted
accounting principles.

      CERCLA. See ss.8.18(a).

      Closing Date. The first date on which the conditions set forth in ss.13
have been satisfied and any Revolving Credit Loans are to be made or any Letter
of Credit is to be issued hereunder.

      Code. The Internal Revenue Code of 1986.

<PAGE>
                                      -4-

      Collateral. All of the property, rights and interests of the Borrower and
its Subsidiaries that are or are intended to be subject to the security
interests and mortgages created by the Security Documents.

      Commitment. With respect to each Bank, the amount set forth on Schedule 1
hereto as the amount of such Bank's commitment to make Revolving Credit Loans
to, and to participate in the issuance, extension and renewal of Letters of
Credit for the account of, the Borrower, as the same may be reduced from time to
time; or if such commitment is terminated pursuant to the provisions hereof,
zero.

      Commitment Fee. See ss.2.2.

      Commitment Fee Rate. The applicable rate per annum set forth in the chart
contained in the definition of Applicable Margin under the heading "Commitment
Fee Rate".

      Commitment Percentage. With respect to each Bank, the percentage set forth
on Schedule 1 hereto as such Bank's percentage of the aggregate Commitments of
all of the Banks.

      Compliance Certificate. See ss.9.4(c).

      Consolidated or consolidated. With reference to any term defined herein,
shall mean that term as applied to the accounts of the Parent Companies, the
Borrower and their Subsidiaries, consolidated in accordance with generally
accepted accounting principles.

      Consolidated Net Income (or Deficit). The consolidated net income (or
deficit) of the Parent Companies, the Borrower and their Subsidiaries, after
deduction of all expenses, taxes, and other proper charges, determined in
accordance with generally accepted accounting principles, after eliminating
therefrom all extraordinary nonrecurring items of income and nonrecurring
extraordinary non-cash losses.

      Consolidated Total Debt Service. With respect to the Parent Companies,
Borrower and their Subsidiaries and for any period, the sum, without
duplication, of (a) Consolidated Total Interest Expense for such period plus (b)
any and all scheduled repayments of principal during such period in respect to
Indebtedness that becomes due and payable or that are to become due and payable
during such period pursuant to any agreement or instrument to which any of the
Parent Companies, the Borrower or any of their Subsidiaries is a party relating
to (i) the borrowing of money or the obtaining of credit, (ii) the deferred
purchase price of assets (other than trade payables incurred in the ordinary
course of business), (iii) in respect of any Synthetic Lease or any Capitalized
Leases, (iv) in respect of any reimbursement obligations in respect of letters
of credit (other than letters of credit issued for the account of any of the
Parent Companies, the Borrower or their Subsidiaries in support of obligations
which constitute operating expenses of such Person) or bankers acceptances due
and payable during such period, and (v) Indebtedness described above of another
Person guaranteed by any of the Parent

<PAGE>
                                       -5-

Companies, the Borrower or any of their Subsidiaries. Demand obligations shall
be deemed to be due and payable during any fiscal period during which such
obligations are outstanding.

      Consolidated Total Interest Expense. For any period, the aggregate amount
of interest required to be paid or accrued by the Parent Companies, the Borrower
and their Subsidiaries during such period on all Indebtedness of the Parent
Companies, the Borrower and their Subsidiaries outstanding during all or any
part of such period on a consolidated basis, whether such interest was or is
required to be reflected as an item of expense or capitalized, including
payments consisting of interest in respect of any Capitalized Lease, or any
Synthetic Lease and including commitment fees, agency fees, facility fees,
balance deficiency fees and similar fees or expenses in connection with the
borrowing of money.

      Conversion Request. A notice given by the Borrower to the Agent of the
Borrower's election to convert or continue a Loan in accordance with ss.2.7.

      Copyright Mortgages. The several Copyright Mortgage and Security
Agreements, dated or to be dated on or prior to the Closing Date, made by the
Parent Companies, the Borrower and their Subsidiaries in favor of the Agent and
in form and substance satisfactory to the Banks and the Agent.

      Credit Agreement. This Revolving Credit Agreement, including the Schedules
and Exhibits hereto.

      Default. See ss.14.1.

      Delinquent Bank. See ss.16.5.3.

      Digitas. Digitas Inc., a Delaware corporation and the sole stockholder of
BSHC.

      Distribution. The declaration or payment of any dividend on or in respect
of any shares of any class of capital stock of any Person, other than dividends
payable solely in shares of common stock of such Person; the purchase,
redemption, or other retirement of any shares of any class of capital stock of
such Person, directly or indirectly through a Subsidiary of such Person or
otherwise; the return of capital by such Person to its shareholders as such; or
any other distribution on or in respect of any shares of any class of capital
stock of such Person.

      Dollar Equivalent. On any particular date, with respect to any amount
denominated in Dollars, such amount in Dollars, and with respect to any amount
denominated in a currency other than Dollars, the amount (as conclusively
ascertained by the Agent absent manifest error) of Dollars which could be
purchased by the Agent (in accordance with its normal banking practices) in the
London foreign currency deposit market with such amount of such currency at the
spot rate of exchange prevailing at or about 11:00 a.m. (London time) on such
date.

      Dollars or $. Dollars in lawful currency of the United States of America.
<PAGE>
                                       -6-

      Domestic Lending Office. Initially, the office of each Bank designated as
such in Schedule 1 hereto; thereafter, such other office of such Bank, if any,
located within the United States that will be making or maintaining Prime Rate
Loans.

      Drawdown Date. The date on which any Revolving Credit Loan is made or is
to be made, and the date on which any Revolving Credit Loan is converted or
continued in accordance with ss.2.7.

      EBITDA: With respect to any fiscal period, an amount equal to the sum of
(a) Consolidated Net Income of the Parent Companies, the Borrower and their
Subsidiaries for such fiscal period, plus (b) in each case to the extent
deducted in the calculation of such Person's Consolidated Net Income and without
duplication, (i) depreciation and amortization for such period, plus (ii) income
tax expense for such period, plus (iii) Consolidated Total Interest Expense paid
or accrued during such period, plus (iv) other noncash charges for such period,
and minus, to the extent added in computing Consolidated Net Income, and without
duplication, all noncash gains (including income tax benefits) for such period,
all as determined in accordance with generally accepted accounting principles.

      Eligible Assignee. Any of (a) a commercial bank or finance company
organized under the laws of the United States, or any State thereof or the
District of Columbia, and having total assets in excess of $1,000,000,000; (b) a
savings and loan association or savings bank organized under the laws of the
United States, or any State thereof or the District of Columbia, and having a
net worth of at least $100,000,000, calculated in accordance with generally
accepted accounting principles; (c) a commercial bank organized under the laws
of any other country which is a member of the Organization for Economic
Cooperation and Development (the "OECD"), or a political subdivision of any such
country, and having total assets in excess of $1,000,000,000, provided that such
bank is acting through a branch or agency located in the country in which it is
organized or another country which is also a member of the OECD; (d) the central
bank of any country which is a member of the OECD; and (e) if, but only if, any
Event of Default has occurred and is continuing, any other bank, insurance
company, commercial finance company or other financial institution or other
Person approved by the Agent, such approval not to be unreasonably withheld.

      Employee Benefit Plan. Any employee benefit plan within the meaning of
ss.3(3) of ERISA maintained or contributed to by the Borrower or any ERISA
Affiliate, other than a Guaranteed Pension Plan or a Multiemployer Plan.

      EMU. The European Economic and Monetary Union formed pursuant to the EU
Treaties.

      Environmental Laws. See ss.8.18(a).

      EPA. See ss.8.18(b).

      ERISA. The Employee Retirement Income Security Act of 1974.

<PAGE>
                                      -7-

      ERISA Affiliate. Any Person which is treated as a single employer with the
Borrower under ss.414 of the Code.

      ERISA Reportable Event. A reportable event with respect to a Guaranteed
Pension Plan within the meaning of ss.4043 of ERISA and the regulations
promulgated thereunder.

      Euro or e. The single currency of Participating Member States.

      Euro Interbank Rate: With respect to any Revolving Credit Loan denominated
or to be denominated in Euros, the annual rate of interest at which the Agent is
able to obtain deposits for comparable amounts in Euros for the relevant
Interest Period in the London interbank market for a period comparable to the
duration of such Interest Period, as determined by the Agent.

      Eurocurrency Interbank Market. Any lawful recognized market in which
deposits of Dollars and the relevant Optional Currencies are offered by
international banking units of United States banking institutions and by foreign
banking institutions to each other and in which foreign currency and exchange
operations or eurocurrency funding operations are customarily conducted.

      Eurocurrency Lending Office. Initially, the office of each Bank designated
as such in Schedule 1 hereto; thereafter, such other office of such Bank, if
any, that shall be making or maintaining Eurocurrency Rate Loans.

      Eurocurrency Offered Rate. With respect to the Interest Period of any
Eurocurrency Rate Loan denominated in a currency other than Dollars, the rate
per annum (rounded upwards to the nearest 1/16 of one percent) equal to the rate
at which the Agent is offered deposits in the relevant Optional Currency two (2)
Business Days prior to the beginning of such Interest Period in the Eurocurrency
Interbank Market where the foreign currency and exchange operations or
eurocurrency funding operations of the Agent are customarily conducted at or
about 11:00 a.m. (London time) for delivery on the first day of such Interest
Period and for the number of days comprised therein and in an amount equal (as
nearly as may be) to the Eurocurrency Rate Loan to which such Interest Period
applies.

      Eurocurrency Rate. With respect to amounts denominated in Dollars, the
Eurodollar Rate, and with respect to amounts denominated in any currency other
than Dollars, the International Eurocurrency Rate.

      Eurocurrency Rate Loans. Revolving Credit Loans bearing interest
calculated by reference to the Eurocurrency Rate.

      Eurocurrency Reserve Rate. For any day with respect to a Eurocurrency Rate
Loan, the maximum rate (expressed as a decimal) at which any lender subject
thereto would be required to maintain reserves under Regulation D of the Board
of Governors of the Federal Reserve System (or any successor or similar
regulations relating to such reserve requirements) against "Eurocurrency
Liabilities" (as that term is used in Regulation D), if such liabilities were
outstanding. The

<PAGE>
                                      -8-

Eurocurrency Reserve Rate shall be adjusted automatically on and as of the
effective date of any change in the Eurocurrency Reserve Rate.

      EU Treaties. The treaty establishing the European Community being the
Treaty of Rome of 25 March 1957 as amended by the Single European Act 1986 and
by the Treaty on European Union which was signed at Maastricht on 7 February
1992 (and came into being on November 1, 1993), (the Maastricht Treaty) as
further amended from time to time.

      Eurodollar Rate. For any Interest Period with respect to a Eurocurrency
Rate Loan denominated in Dollars, the rate of interest equal to (i) the
arithmetic average of the rates per annum for each Reference Bank (rounded
upwards to the nearest 1/16 of one percent) of the rate at which such Reference
Bank's Eurocurrency Lending Office is offered Dollar deposits two Business Days
prior to the beginning of such Interest Period in the interbank eurodollar
market where the eurodollar and foreign currency and exchange operations of such
Eurocurrency Lending Office are customarily conducted, for delivery on the first
day of such Interest Period for the number of days comprised therein and in an
amount comparable to the amount of the Eurocurrency Rate Loan of such Reference
Bank to which such Interest Period applies, divided by (ii) a number equal to
1.00 minus the Eurocurrency Reserve Rate, if applicable.

      Event of Default. See ss.14.1.

      Fleet. Fleet National Bank, a national banking association, in its
individual capacity.

      generally accepted accounting principles. (a) When used in ss.10, whether
directly or indirectly through reference to a capitalized term used therein,
means (i) principles that are consistent with the principles promulgated or
adopted by the Financial Accounting Standards Board and its predecessors, in
effect for the fiscal year ended on the Balance Sheet Date, and (ii) to the
extent consistent with such principles, the accounting practice of the Borrower
reflected in its financial statements for the year ended on the Balance Sheet
Date, and (b) when used in general, other than as provided above, means
principles that are (i) consistent with the principles promulgated or adopted by
the Financial Accounting Standards Board and its predecessors, as in effect from
time to time, and (ii) consistently applied with past financial statements of
the Borrower adopting the same principles, provided that in each case referred
to in this definition of "generally accepted accounting principles" a certified
public accountant would, insofar as the use of such accounting principles is
pertinent, be in a position to deliver an unqualified opinion (other than a
qualification regarding changes in generally accepted accounting principles) as
to financial statements in which such principles have been properly applied.

      Guaranteed Pension Plan. Any employee pension benefit plan within the
meaning of ss.3(2) of ERISA maintained or contributed to by the Borrower or any
ERISA Affiliate the benefits of which are guaranteed on termination in full or
in part by the PBGC pursuant to Title IV of ERISA, other than a Multiemployer
Plan.

<PAGE>
                                      -9-

      Guarantors. Collectively, each Parent Company and each domestic Subsidiary
of the Borrower or any Parent Company existing on the Closing Date and each
other Person which is required to be or become a guarantor from time to time
pursuant to ss.9.14 hereof. Each such Person shall be a party to a Guaranty.

      Guaranty. The Guaranty, set forth in ss.6 of this Credit Agreement, made
by each Parent Company in favor the Banks and the Agent pursuant to which each
Parent Company guaranties to the Banks and the Agent the payment and performance
of the Obligations. The Guaranty shall include any Guaranty made by a Subsidiary
of any Parent Company or the Borrower in favor of the Banks and the Agent
entered into on or prior to the Closing Date (or such later date as is required
by ss.9.14 hereof) substantially in the form of Exhibit C attached hereto.

      Hazardous Substances. See ss.8.18(b).

      Indebtedness. As to any Person and whether recourse is secured by or is
otherwise available against all or only a portion of the assets of such Person
and whether or not contingent, but without duplication:

            (a) every obligation of such Person for money borrowed,

            (b) every obligation of such Person evidenced by bonds, debentures,
      notes or other similar instruments, including obligations incurred in
      connection with the acquisition of property, assets or businesses,

            (c) every reimbursement obligation of such Person with respect to
      letters of credit, bankers' acceptances or similar facilities issued for
      the account of such Person,

            (d) every obligation of such Person issued or assumed as the
      deferred purchase price of property or services (including securities
      repurchase agreements but excluding trade accounts payable or accrued
      liabilities arising in the ordinary course of business which are not
      overdue or which are being contested in good faith),

            (e) every obligation of such Person under any Capitalized Lease,

            (f) every obligation of such Person under any lease (a "Synthetic
      Lease") treated as an operating lease under generally accepted accounting
      principles and as a loan or financing for U.S. income tax purposes,

            (g) all sales by such Person of (i) accounts or general intangibles
      for money due or to become due, (ii) chattel paper, instruments or
      documents creating or evidencing a right to payment of money or (iii)
      other receivables (collectively "receivables"), whether pursuant to a
      purchase facility or otherwise, other than in connection with the
      disposition of the business operations of such Person relating thereto or
      a disposition of defaulted receivables for collection and not as a
      financing arrangement, and together with any obligation of such Person to
      pay any discount, interest, fees,

<PAGE>
                                      -10-

      indemnities, penalties, recourse, expenses or other amounts in connection
      therewith,

            (h) every obligation of such Person (an "equity related purchase
      obligation") to purchase, redeem, retire or otherwise acquire for value
      any shares of capital stock of any class issued by such Person, any
      warrants, options or other rights to acquire any such shares, or any
      rights measured by the value of such shares, warrants, options or other
      rights,

            (i) every obligation of such Person under any forward contract,
      futures contract, swap, option or other financing agreement or arrangement
      (including, without limitation, caps, floors, collars and similar
      agreements), the value of which is dependent upon interest rates, currency
      exchange rates, commodities or other indices (a "derivative contract"),

            (j) every obligation in respect of Indebtedness of any other entity
      (including any partnership in which such Person is a general partner) to
      the extent that such Person is liable therefor as a result of such
      Person's ownership interest in or other relationship with such entity,
      except to the extent that the terms of such Indebtedness provide that such
      Person is not liable therefor and such terms are enforceable under
      applicable law, and

            (k) every obligation, contingent or otherwise, of such Person
      guaranteeing, or having the economic effect of guarantying or otherwise
      acting as surety for, any obligation of a type described in any of clauses
      (a) through (j) (the "primary obligation") of another Person (the "primary
      obligor"), in any manner, whether directly or indirectly, and including,
      without limitation, any obligation of such Person (i) to purchase or pay
      (or advance or supply funds for the purchase of) any security for the
      payment of such primary obligation, (ii) to purchase property, securities
      or services for the purpose of assuring the payment of such primary
      obligation, or (iii) to maintain working capital, equity capital or other
      financial statement condition or liquidity of the primary obligor so as to
      enable the primary obligor to pay such primary obligation.

      The "amount" or "principal amount" of any Indebtedness at any time of
determination represented by (u) any Indebtedness, issued at a price that is
less than the principal amount at maturity thereof, shall be the amount of the
liability in respect thereof determined in accordance with generally accepted
accounting principles, (v) any Capitalized Lease shall be the principal
component of the aggregate of the rentals obligation under such Capitalized
Lease payable over the term thereof that is not subject to termination by the
lessee, (w) any sale of receivables shall be the amount of unrecovered capital
or principal investment of the purchaser (other than the Borrower or any of its
wholly-owned Subsidiaries) thereof, excluding amounts representative of yield or
interest earned on such investment, (x) any Synthetic Lease shall be the
stipulated loss value, termination value or other equivalent amount, (y) any
derivative contract shall be the maximum amount of any termination or loss
payment required to be paid by such Person if such derivative
<PAGE>
                                      -11-

contract were, at the time of determination, to be terminated by reason of any
event of default or early termination event thereunder, whether or not such
event of default or early termination event has in fact occurred and (z) any
equity related purchase obligation shall be the maximum fixed redemption or
purchase price thereof inclusive of any accrued and unpaid dividends to be
comprised in such redemption or purchase price.

      Ineligible Securities. Securities which may not be underwritten or dealt
in by member banks of the Federal Reserve System under Section 16 of the Banking
Act of 1933 (12 U.S.C. ss.24, Seventh), as amended.

      Interest Payment Date. (a) As to any Prime Rate Loan, the last day of the
calendar month with respect to interest accrued during such calendar month,
including, without limitation, the calendar month which includes the Drawdown
Date of such Prime Rate Loan; and (b) as to any Eurocurrency Rate Loan in
respect of which the Interest Period is (i) three (3) months or less, the last
day of such Interest Period and (ii) more than three (3) months, the date that
is three (3) months from the first day of such Interest Period and, in addition,
the last day of such Interest Period.

      Interest Period. With respect to each Revolving Credit Loan, (a)
initially, the period commencing on the Drawdown Date of such Loan and ending on
the last day of one of the periods set forth below, as selected by the Borrower
in a Loan Request or as otherwise required by the terms of this Credit Agreement
(i) for any Prime Rate Loan, the last day of the calendar month; and (ii) for
any Eurocurrency Rate Loan, 1, 2, 3 or 6 months; and (b) thereafter, each period
commencing on the last day of the next preceding Interest Period applicable to
such Revolving Credit Loan and ending on the last day of one of the periods set
forth above, as selected by the Borrower in a Conversion Request; provided that
all of the foregoing provisions relating to Interest Periods are subject to the
following:

            (i) if any Interest Period with respect to a Eurocurrency Rate Loan
      would otherwise end on a day that is not a Business Day, that Interest
      Period shall be extended to the next succeeding Business Day unless the
      result of such extension would be to carry such Interest Period into
      another calendar month, in which event such Interest Period shall end on
      the immediately preceding Business Day;

            (ii) if any Interest Period with respect to a Prime Rate Loan would
      end on a day that is not a Business Day, that Interest Period shall end on
      the next succeeding Business Day;

            (iii) if the Borrower shall fail to give notice as provided in ss.
      2.7, (A) for Revolving Credit Loans denominated in Dollars, the Borrower
      shall be deemed to have requested a conversion of the affected
      Eurocurrency Rate Loan to a Prime Rate Loan and the continuance of all
      Prime Rate Loans as Prime Rate Loans on the last day of the then current
      Interest Period with respect thereto and (B) for any Revolving Credit Loan
      denominated in any

<PAGE>
                                      -12-

      Optional Currency, the Borrower shall repay such Revolving Credit Loan on
      the last day of the then current Interest Period with respect thereto;

            (iv) any Interest Period relating to any Eurocurrency Rate Loan that
      begins on the last Business Day of a calendar month (or on a day for which
      there is no numerically corresponding day in the calendar month at the end
      of such Interest Period) shall end on the last Business Day of a calendar
      month; and

            (v) any Interest Period that would otherwise extend beyond the
      Revolving Credit Loan Maturity Date shall end on the Revolving Credit Loan
      Maturity Date.

      International Eurocurrency Rate. With respect to all Eurocurrency Rate
Loans denominated in an Optional Currency for any Interest Period, the annual
rate of interest, rounded to the nearest l/l6th of one percent (1/16%),
determined by the Agent for such Interest Period in accordance with the
following formula:

                                          Eurocurrency Offered Rate
      International Eurocurrency Rate = -----------------------------
                                        1 - Eurocurrency Reserve Rate

      International Standby Practices. With respect to any standby Letter of
Credit, International Standby Practices (ISP98), International Chamber of
Commerce Publication No. 590, or any successor code of standby letter of credit
practices among banks adopted by the Agent in the ordinary course of its
business as a standby letter of credit issuer and in effect at the time of
issuance of such Letter of Credit.

      Investments. All expenditures made and all liabilities incurred
(contingently or otherwise) for the acquisition of stock or Indebtedness of, or
for loans, advances, capital contributions or transfers of property (without
consideration for such transfers) to, or in respect of any guaranties (or other
commitments as described under Indebtedness), or obligations of, any Person. In
determining the aggregate amount of Investments outstanding at any particular
time: (a) the amount of any Investment represented by a guaranty shall be taken
at not less than the principal amount of the obligations guaranteed and still
outstanding; (b) there shall be included as an Investment all interest accrued
with respect to Indebtedness constituting an Investment unless and until such
interest is paid; (c) there shall be deducted in respect of each such Investment
any amount received as a return of capital (but only by repurchase, redemption,
retirement, repayment, liquidating dividend or liquidating distribution); (d)
there shall not be deducted in respect of any Investment any amounts received as
earnings on such Investment, whether as dividends, interest or otherwise, except
that accrued interest included as provided in the foregoing clause (b) may be
deducted when paid; and (e) there shall not be deducted from the aggregate
amount of Investments any decrease in the value thereof.

      Letter of Credit. See ss.4.1.1.

<PAGE>
                                      -13-

      Letter of Credit Application. See ss.4.6.

      Letter of Credit Fee. See ss.4.1.1.

      Letter of Credit Participation. See ss.4.1.4.

      Leverage Ratio. As of any date of determination, the ratio of (a) Total
Funded Indebtedness of the Parent Companies, the Borrower and their Subsidiaries
outstanding on such date to (b) the EBITDA of the Parent Companies, the Borrower
and their Subsidiaries for the Reference Period ended on such date.

      Loan Documents. This Credit Agreement, the Revolving Credit Notes, the
Letter of Credit Applications, the Letters of Credit and the Security Documents.

      Loan Request. See ss.2.6.

      Majority Banks. As of any date, if as of such date there are three or more
Banks, Banks holding at least fifty-one percent (51%) of the outstanding
principal amount of the Revolving Credit Notes on such date; and if no such
principal is outstanding, the Banks whose aggregate Commitments constitute at
least fifty-one percent (51%) of the Total Commitment. If as of such date there
are less than three Banks, Majority Banks shall mean the Banks holding at least
sixty-six and two thirds percent (66 2/3%) of the outstanding principal amount
of the Revolving Credit Notes on such date; and if no such principal is
outstanding, the Banks whose aggregate Commitments constitute at least sixty-six
and two thirds percent (66 2/3%) of the Total Commitment.

      Maximum Drawing Amount. The maximum aggregate amount that the
beneficiaries may at any time draw under outstanding Letters of Credit, as such
aggregate amount may be reduced from time to time pursuant to the terms of the
Letters of Credit.

      Multiemplover Plan. Any multiemployer plan within the meaning of ss.3(37)
of ERISA maintained or contributed to by the Borrower or any ERISA Affiliate.

      Obligations. All indebtedness, obligations and liabilities of any of the
Borrower and its Subsidiaries to any of the Banks and the Agent, individually or
collectively, existing on the date of this Credit Agreement or arising
thereafter, direct or indirect, joint or several, absolute or contingent,
matured or unmatured, liquidated or unliquidated, secured or unsecured, arising
by contract, operation of law or otherwise, arising or incurred under this
Credit Agreement or any of the other Loan Documents or in respect of any of the
Revolving Credit Loans made or Reimbursement Obligations incurred or any of the
Revolving Credit Notes, Letter of Credit Applications, Letters of Credit or
other instruments at any time evidencing any thereof.

      Optional Currency. Any currency other than Dollars which is freely
convertible into Dollars and which is traded on any recognized Eurocurrency
Interbank Market selected by the Agent in good faith; provided, however, in the

<PAGE>
                                      -14-

event the Borrower requests an Optional Currency other than the Euro, such
request for such other Optional Currency shall be subject to the consent of the
Banks.

      outstanding. With respect to the Revolving Credit Loans, the aggregate
unpaid principal thereof as of any date of determination.

      Overnight Rate. For any day, (a) as to Revolving Credit Loans denominated
in Dollars, the weighted average interest rate paid by the Agent for federal
funds acquired by the Agent, and (b) as to Revolving Credit Loans denominated in
an Optional Currency, the rate of interest per annum at which overnight deposits
in the applicable Optional Currency, in an amount approximately equal to the
amount with respect to which such rate is being determined, would be offered for
such day by the Agent to major banks in the London interbank market.

      Participating Member State. A member state of the European Union that
adopts a single currency in accordance with the EU Treaties.

      Parent Companies. Digitas, Vesuvio, BSHC and BSH Holding.

      PBGC. The Pension Benefit Guaranty Corporation created by ss.4002 of ERISA
and any successor entity or entities having similar responsibilities.

      Perfection Certificates. The Perfection Certificates as defined in the
Security Agreements.

      Permitted Acquisitions. Any acquisition by any of the Parent Companies,
the Borrower or any of their domestic Subsidiaries of assets or capital stock or
other equity interests of a Person, provided (a) such assets or capital stock or
other equity interests are related to the business of such Parent Company, the
Borrower or such Subsidiary, as the case may be, (b) no Default or Event of
Default exists prior to or immediately after such acquisition, (c) the Agent is
granted a valid first priority perfected security interest in the assets or
capital stock or other equity interests so acquired, pursuant to the Security
Documents (subject to any Permitted Liens), (d) the seller of such assets or
capital stock or other equity interests is not an Affiliate of any Parent
Company, the Borrower or any of their Subsidiaries, (e) the terms of such
acquisition are on an arms length basis, (f) ss.9.15 is complied with at the
time of consummation of such acquisition (or concurrently therewith), (g) the
Borrower has demonstrated to the reasonable satisfaction of the Agent, set forth
in a pro forma Compliance Certificate, compliance with ss.11 on a Pro Forma
Basis immediately prior to and after giving effect to any such acquisition, the
calculation of which shall be based upon the financial statements most recently
required to be delivered pursuant to ss.9.4(a) or (b) and such other financial
statements requested by the Agent for the twelve (12) full calendar month period
immediately preceding such acquisition, (h) the board of directors and (if
required by applicable law) the shareholders, or the equivalent thereof, of the
business to be acquired has approved such acquisition, and (i) if such
acquisition is made by a merger, the Borrower or any wholly-owned domestic
Subsidiary of a Parent Company or the Borrower, as the case

<PAGE>
                                      -15-

may be, shall be the surviving entity (provided that the Borrower shall not be
merged into another entity). In addition, Permitted Acquisitions may include the
acquisition by any of the Parent Companies, the Borrower or their Subsidiaries
of the capital stock or other equity interests of a foreign Person so long as
such Parent Company, the Borrower or such Subsidiary has complied with
provisions set forth in clauses (a), (b), (d), (e) and (g) through (i) above
and, if such acquired foreign Person becomes a direct Subsidiary of such Parent
Company, the Borrower or one of their domestic Subsidiaries, sixty-five percent
(65%) of the capital stock of or other equity interests in such Person so
acquired shall have been pledged to the Agent for the benefit of the Banks and
the Agent.

      Permitted Liens. Liens, security interests and other encumbrances
permitted by ss.10.2.

      Person. Any individual, corporation, partnership, trust, unincorporated
association, business, or other legal entity, and any government or any
governmental agency or political subdivision thereof.

      Pledge Agreement. The Pledge Agreement, dated or to be dated on or prior
to the Closing Date among BSHC, BSH Holding and the Agent and in form and
substance satisfactory to the Banks and the Agent.

      Prime Rate. The higher of (i) the annual rate of interest announced from
time to time by Fleet at its head office in Boston, MA, as its "prime rate" or
"base rate" and (ii) one-half of one percent (1/2%) above the Federal Funds
Effective Rate. For the purposes of this definition, "Federal Funds Effective
Rate" shall mean for any day, the rate per annum equal to the weighted average
of the rates on overnight federal funds transactions with members of the Federal
Reserve System arranged by federal funds brokers, as published for such day (or,
if such day is not a Business Day, for the next preceding Business Day) by the
Federal Reserve Bank of New York, or, if such rate is not so published for any
day that is a Business Day, the average of the quotations for such day on such
transactions received by the Agent from three funds brokers of recognized
standing selected by the Agent. In addition, the Prime Rate is a reference rate
and does not necessarily represent the lowest or best rate charged to any
customer. Changes in the rate of interest resulting from any changes in the
"Prime Rate" shall take place immediately without notice or demand of any kind.

      Prime Rate Loans. Revolving Credit Loans bearing interest calculated by
reference to the Prime Rate.

      Pro Forma Basis. In connection with any proposed Permitted Acquisition
after the Closing Date, the calculation of compliance with the financial
covenants set forth in ss.11 hereof as required by the terms of the definition
of Permitted Acquisition by the Parent Companies, the Borrower and their
Subsidiaries (including the Person to be acquired) with reference to the audited
historical financial results of such Person and the Parent Companies, the
Borrower and their Subsidiaries for the applicable Test Period after giving
effect on a pro forma basis to
<PAGE>
                                      -16-

such Permitted Acquisition in the manner described in (a), (b) and (c) below;
and, following a Permitted Acquisition, the calculation of the EBITDA component
of the Leverage Ratio for purposes of determining the Applicable Margin and
compliance with the financial covenants set forth in ss.11 for the fiscal
quarter in which such Permitted Acquisition occurred and each of the three
fiscal quarters immediately following such Permitted Acquisition with reference
to the audited historical financial results of the Person so acquired and the
Parent Companies, the Borrower and their Subsidiaries for the applicable Test
Period after giving effect on a pro forma basis to such Permitted Acquisition in
the manner described in (a), (b) and (c) below, provided, however, that, in each
case, in the event that no audited historical financial results are available
with respect to the Person or assets to be acquired, such calculations shall be
made with reference to reasonable estimates of such past performance made by the
Borrower based on existing data and other available information, such estimates
to be agreed upon by the Borrower and the Majority Banks:

                  (a) all Indebtedness (whether under this Credit Agreement or
      otherwise) and any other balance sheet adjustments incurred or made in
      connection with the Permitted Acquisition shall be deemed to have been
      incurred or made on the first day of the Test Period, and all Indebtedness
      of the Person acquired or to be acquired in such Permitted Acquisition
      which was or will have been repaid in connection with the consummation of
      the Permitted Acquisition shall be deemed to have been repaid concurrently
      with the incurrence of the Indebtedness incurred in connection with the
      Permitted Acquisition;

                  (b) all Indebtedness assumed to have been incurred pursuant to
      the preceding clause (a) shall be deemed to have borne interest at the sum
      of (i) the arithmetic mean of (x) the Eurocurrency Rate for Eurocurrency
      Rate Loans having an Interest Period of one month in effect on the first
      day of the Test Period and (y) the Eurocurrency Rate for Eurocurrency Rate
      Loans having an Interest Period of one month in effect on the last day of
      the Test Period plus (ii) the Applicable Margin then in effect (after
      giving effect to the Permitted Acquisition on a Pro Forma Basis); and

                  (c) other reasonable cost savings, expenses and other income
      statement or operating statement adjustments which are attributable to the
      change in ownership and/or management resulting from such Permitted
      Acquisition as may be approved by the Agent in writing (which approval
      shall not be unreasonably withheld) shall be deemed to have been realized
      on the first day of the Test Period.

      Rate Adjustment Period. See definition of Applicable Margin.

      Rate of Exchange. See ss.2.9.2.

      RCRA. See ss.8.18(a).

<PAGE>
                                      -17-

      Real Estate. All real property at any time owned or leased (as lessee or
sublessee) by the Borrower or any of its Subsidiaries.

      Record. The grid attached to a Revolving Credit Note, or the continuation
of such grid, or any other similar record, including computer records,
maintained by any Bank with respect to any Revolving Credit Loan referred to in
such Revolving Credit Note.

      Reference Bank. Fleet.

      Reference Period. The period of four (4) consecutive fiscal quarters of
the Borrower ending on the relevant date.

      Register. See ss.20.3.

      Reimbursement Obligation. The Borrower's obligation to reimburse the Agent
and the Banks on account of any drawing under any Letter of Credit as provided
in ss.4.2.

      Restricted Payment. In relation to the Parent Companies, the Borrower and
their Subsidiaries, any (a) Distribution or (b) payment or prepayment by the
Parent Companies, the Borrower or their Subsidiaries to any Parent Company's,
the Borrower's or any Subsidiary's shareholders (or other equity holders) or to
any Affiliate of the Parent Companies, the Borrower or any Subsidiary or any
Affiliate of the Parent Companies', the Borrower's or such Subsidiary's
shareholders except for payments to such shareholders or Affiliates for services
rendered in the ordinary course of such shareholder's or Affiliate's business to
any Parent Company, the Borrower or any such Subsidiary.

      Revolving Credit Loan Maturity Date. July 25, 2003.

      Revolving Credit Loans. Revolving credit loans made or to be made by the
Banks to the Borrower pursuant to ss.2.

      Revolving Credit Notes. See ss.2.4.

      Same Day Funds. With respect to disbursements and payments in (a) Dollars,
immediately available funds, and (b) an Optional Currency, same day or other
funds as may be determined by the Agent to be customary in the place of
disbursement or payment for the settlement of international banking transactions
in the relevant Optional Currency.

      SARA. See ss.8.18(a).

      Section 20 Subsidiary. A Subsidiary of the bank holding company
controlling any Bank, which Subsidiary has been granted authority by the Federal
Reserve Board to underwrite and deal in certain Ineligible Securities.

<PAGE>
                                      -18-

      Security Agreements. The several Security Agreements, dated or to be dated
on or prior to the Closing Date, between the Parent Companies, the Borrower and
their Subsidiaries and the Agent and in form and substance satisfactory to the
Banks and the Agent.

      Security Documents. The Guaranty, the Security Agreements, the Trademark
Assignments, [the Copyright Mortgages,] the Stock Pledge Agreement, the Pledge
Agreement and all other instruments and documents, including without limitation
Uniform Commercial Code financing statements, required to be executed or
delivered pursuant to any Security Document.

      Settlement. The making or receiving of payments, in Same Day Funds, by the
Banks, to the extent necessary to cause each Bank's actual share of the
outstanding amount of Revolving Credit Loans (after giving effect to any Loan
Request) to be equal to such Bank's Commitment Percentage of the outstanding
amount of such Revolving Credit Loans (after giving effect to any Loan Request),
in any case where, prior to such event or action, the actual share is not so
equal.

      Settlement Amount. See ss.2.10.1.

      Settlement Date. (a) At the option of the Agent, the Drawdown Date
relating to any Loan Request, (b) the date which is thirty (30) days after the
Drawdown Date relating to any Loan Request, (c) at the option of the Agent, on
any Business Day following a day on which the account officers of the Agent
active upon the Borrower's account become aware of the existence of an Event of
Default, (d) any Business Day on which the amount of Revolving Credit Loans
outstanding from Fleet plus Fleet's Commitment Percentage of the sum of the
Maximum Drawing Amount and any Unpaid Reimbursement Obligations is equal to or
greater than Fleet's Commitment Percentage of the Total Commitment, or (e) any
day on which any conversion of a Prime Rate Loan to a Eurocurrency Rate Loan
occurs.

      Settling Bank. See ss.2.10.1.

      Stock Pledge Agreement. The Stock Pledge Agreement, dated or to be dated
on or prior to the Closing Date, between each of Digitas, the Borrower and the
Agent and in form and substance satisfactory to the Banks and the Agent.

      Subordinated Debt. Unsecured Indebtedness of the Parent Companies, the
Borrower or any of their Subsidiaries that is expressly subordinated and made
junior to the payment and performance in full of the Obligations, and evidenced
as such by a written instrument containing subordination provisions in form and
substance approved by the Majority Banks in writing.

      Subsidiary. Any corporation, association, trust, or other business entity
of which the designated parent shall at any time own directly or indirectly
through a Subsidiary or Subsidiaries at least a majority (by number of votes) of
the outstanding Voting Stock.

<PAGE>
                                      -19-

      Synthetic Lease. As defined in paragraph (f) of the definition of
"Indebtedness".

      Test Period. (a) In connection with the calculation of financial covenant
compliance on a Pro Forma Basis as required in connection with any proposed
Permitted Acquisition, the period of four fiscal quarters most recently ended
prior to such Permitted Acquisition, and (b) in connection with the calculation
of the financial covenants set forth in ss.11 hereof following any Permitted
Acquisition, the period of all fiscal quarters (and any portion of a fiscal
quarter) prior to the date of such Permitted Acquisition included in the
calculation of such financial covenant.

      Total Commitment. The sum of the Commitments of the Banks, as in effect
from time to time.

      Total Funded Indebtedness. At any time of determination, the sum of (a)
the aggregate outstanding amount of the Revolving Credit Loans, (b) the
aggregate outstanding amount of all Subordinated Debt and (c) all other
Indebtedness for borrowed money, purchase money Indebtedness and with respect to
Capitalized Leases and Synthetic Leases, determined on a consolidated basis in
accordance with generally accepted accounting principles.

      Trademark Assignments. The several Trademark Assignments, dated or to be
dated on or prior to the Closing Date, made by the Parent Companies, the
Borrower and their Subsidiaries in favor of the Agent and in form and substance
satisfactory to the Banks and the Agent.

      Type. As to any Revolving Credit Loan, its nature as a Prime Rate Loan, or
a Eurocurrency Rate Loan.

      Uniform Customs. With respect to any Letter of Credit, the Uniform Customs
and Practice for Documentary Credits (1993 Revision), International Chamber of
Commerce Publication No. 500 or any successor version thereto adopted by the
Agent in the ordinary course of its business as a letter of credit issuer and in
effect at the time of issuance of such Letter of Credit.

      Unpaid Reimbursement Obligation. Any Reimbursement Obligation for which
the Borrower does not reimburse the Agent and the Banks on the date specified
in, and in accordance with, ss.4.2.

      Vesuvio. Vesuvio, Inc., a Delaware corporation and the sole trustee of
BSHC.

      Voting Stock. Stock or similar interests, of any class or classes (however
designated), the holders of which are at the time entitled, as such holders, to
vote for the election of a majority of the directors (or persons performing
similar functions) of the corporation, association, trust or other business
entity involved, whether or not the right so to vote exists by reason of the
happening of a contingency.

      1.2. Rules of Interpretation.

<PAGE>
                                      -20-

            (a) A reference to any document or agreement shall include such
      document or agreement as amended, modified or supplemented from time to
      time in accordance with its terms and the terms of this Credit Agreement.

            (b) The singular includes the plural and the plural includes the
      singular.

            (c) A reference to any law includes any amendment or modification to
      such law.

            (d) A reference to any Person includes its permitted successors and
      permitted assigns.

            (e) Accounting terms not otherwise defined herein have the meanings
      assigned to them by generally accepted accounting principles applied on a
      consistent basis by the accounting entity to which they refer.

            (f) The words "include", "includes" and "including" are not
      limiting.

            (g) All terms not specifically defined herein or by generally
      accepted accounting principles, which terms are defined in the Uniform
      Commercial Code as in effect in the Commonwealth of Massachusetts, have
      the meanings assigned to them therein, with the term "instrument" being
      that defined under Article 9 of the Uniform Commercial Code.

            (h) Reference to a particular "ss." refers to that section of this
      Credit Agreement unless otherwise indicated.

            (i) The words "herein", "hereof', "hereunder" and words of like
      import shall refer to this Credit Agreement as a whole and not to any
      particular section or subdivision of this Credit Agreement.

            (j) Unless otherwise expressly indicated, in the computation of
      periods of time from a specified date to a later specified date, the word
      "from" means "from and including," the words "to" and "until" each mean
      "to but excluding," and the word "through" means "to and including."

            (k) This Credit Agreement and the other Loan Documents may use
      several different limitations, tests or measurements to regulate the same
      or similar matters. All such limitations, tests and measurements are,
      however, cumulative and are to be performed in accordance with the terms
      thereof.

            (l) This Credit Agreement and the other Loan Documents are the
      result of negotiation among, and have been reviewed by counsel to, among
      others, the Agent and the Borrower and are the product of discussions and
      negotiations among all parties. Accordingly, this Credit Agreement and the
      other Loan Documents are not intended to be construed against the Agent or
<PAGE>
                                      -21-

      any of the Banks merely on account of the Agent's or any Bank's
      involvement in the preparation of such documents.

                        2. THE REVOLVING CREDIT FACILITY.

      2.1. Commitment to Lend. Subject to the terms and conditions set forth in
this Credit Agreement, each of the Banks severally agrees to lend to the
Borrower and the Borrower may borrow, repay, and reborrow from time to time from
the Closing Date up to but not including the Revolving Credit Loan Maturity Date
upon notice by the Borrower to the Agent given in accordance with ss.2.6, such
sums, in Dollars or at the Borrower's option from time to time, subject to
ss.2.9, in an Optional Currency, as are requested by the Borrower up to a
maximum aggregate amount outstanding (after giving effect to all amounts
requested) at any one time equal to such Bank's Commitment minus such Bank's
Commitment Percentage of the sum of the Maximum Drawing Amount and all Unpaid
Reimbursement Obligations, provided that the Dollar Equivalent the sum of the
outstanding amount of the Revolving Credit Loans (after giving effect to all
amounts requested) plus the Maximum Drawing Amount and all Unpaid Reimbursement
Obligations shall not at any time exceed the Total Commitment. The Revolving
Credit Loans shall be made pro rata in accordance with each Bank's Commitment
Percentage. Each request for a Revolving Credit Loan hereunder shall constitute
a representation and warranty by the Borrower that the conditions set forth in
ss.12 and ss.13, in the case of the initial Revolving Credit Loans to be made on
the Closing Date, and ss.13, in the case of all other Revolving Credit Loans,
have been satisfied on the date of such request. Each Prime Rate Loan shall be
denominated in Dollars, and each Eurocurrency Rate Loan shall be denominated in
Dollars, or subject to ss.2.9, in an Optional Currency.

      2.2. Commitment Fee. The Borrower agrees to pay to the Agent for the
accounts of the Banks in accordance with their respective Commitment Percentages
a commitment fee (the "Commitment Fee") calculated at the rate of Commitment Fee
Rate per annum on the average daily amount during each calendar quarter or
portion thereof from the date hereof to the Revolving Credit Loan Maturity Date
by which the Total Commitment minus the sum of the Maximum Drawing Amount and
all Unpaid Reimbursement Obligations exceeds the outstanding amount of Revolving
Credit Loans during such calendar quarter. The Commitment Fee shall be payable
quarterly in arrears on the first day of each calendar quarter for the
immediately preceding calendar quarter commencing on the first such date
following the date hereof, with a final payment on the Revolving Credit Loan
Maturity Date or any earlier date on which the Commitments shall terminate.

      2.3. Reduction of Total Commitment. The Borrower shall have the right at
any time and from time to time upon three (3) Business Days prior written notice
to the Agent to reduce by $100,000 or an integral multiple thereof or terminate
entirely the Total Commitment, whereupon the Commitments of the Banks shall be
reduced pro rata in accordance with their respective Commitment Percentages of
the amount specified in such notice or, as the case may be, terminated. Promptly
after receiving any notice of the Borrower delivered pursuant to this ss.2.3,
the Agent will notify the Banks of the substance thereof. Upon the effective
date of any such

<PAGE>
                                      -22-

reduction or termination, the Borrower shall pay to the Agent for the respective
accounts of the Banks the full amount of any Commitment Fee then accrued on the
amount of the reduction. No reduction or termination of the Commitments may be
reinstated.

      2.4. The Revo1ving Credit Notes. The Revolving Credit Loans shall be
evidenced by separate promissory notes of the Borrower in substantially the form
of Exhibit A hereto (each a "Revolving Credit Note"), dated as of the Closing
Date and completed with appropriate insertions. One Revolving Credit Note shall
be payable to the order of each Bank in a principal amount equal to such Bank's
Commitment or, if less, the outstanding amount of all Revolving Credit Loans
made by such Bank, plus interest accrued thereon, as set forth below. The
Borrower irrevocably authorizes each Bank to make or cause to be made, at or
about the time of the Drawdown Date of any Revolving Credit Loan or at the time
of receipt of any payment of principal on such Bank's Revolving Credit Note, an
appropriate notation on such Bank's Record reflecting the making of such
Revolving Credit Loan or (as the case may be) the receipt of such payment. The
outstanding amount of the Revolving Credit Loans set forth on such Bank's Record
shall be prima facie evidence of the principal amount thereof owing and unpaid
to such Bank, but the failure to record, or any error in so recording, any such
amount on such Bank's Record shall not limit or otherwise affect the obligations
of the Borrower hereunder or under any Revolving Credit Note to make payments of
principal of or interest on any Revolving Credit Note when due.

      2.5. Interest on Revolving Credit Loans. Except as otherwise provided
in ss.5.11,

            (a) Each Prime Rate Loan shall bear interest for the period
      commencing with the Drawdown Date thereof and ending on the last day of
      the Interest Period with respect thereto at the rate per annum equal to
      the Prime Rate plus the Applicable Margin.

            (b) Each Eurocurrency Rate Loan shall bear interest for the period
      commencing with the Drawdown Date thereof and ending on the last day of
      the Interest Period with respect thereto at the rate per annum equal to
      the Eurocurrency Rate determined for such Interest Period plus the
      Applicable Margin.

            (c) The Borrower promises to pay interest on each Revolving Credit
      Loan in arrears on each Interest Payment Date with respect thereto.
      Interest on the Revolving Credit Loans calculated by reference to the
      Prime Rate shall be payable in Dollars, and interest on the Revolving
      Credit Loans calculated by reference to the Eurocurrency Rate shall be
      payable in Dollars or in the applicable Optional Currency in which the
      underlying Revolving Credit Loan was made, as the case may be.

      2.6. Requests for Revo1ving Credit Loans.

<PAGE>
                                      -23-

            The Borrower shall give to the Agent written notice in the form of
      Exhibit B hereto (or telephonic notice confirmed in a writing in the form
      of Exhibit B hereto) of each Revolving Credit Loan requested hereunder (a
      "Loan Request") (a) no later than 10:00 a.m. on the proposed Drawdown Date
      of any Prime Rate Loan and (b) three (3) Business Days prior to the
      proposed Drawdown Date of any Eurocurrency Rate Loan; provided that any
      notice requesting an Optional Currency must comply with the requirements
      of this ss.2.6 and the requirements of an OC Notice pursuant to ss.2.9.1.
      Each such notice shall specify (i) the principal amount of the Revolving
      Credit Loan requested, stated in Dollars, or subject to ss.2.9, in an
      Optional Currency, (ii) the proposed Drawdown Date of such Revolving
      Credit Loan, (iii) the Interest Period for any Eurocurrency Rate Loan and
      (iv) the Type of such Revolving Credit Loan. Promptly upon receipt of any
      such notice, the Agent shall notify each of the Banks thereof. Each Loan
      Request shall be irrevocable and binding on the Borrower and shall
      obligate the Borrower to accept the Revolving Credit Loan requested from
      the Banks on the proposed Drawdown Date. Each Loan Request shall be in a
      minimum aggregate amount of $500,000 or a whole multiple of $100,000 in
      excess thereof.

      2.7. Conversion Options.

            2.7.1. Conversion to Different Type of Revolving Credit Loan. The
      Borrower may elect from time to time to convert any outstanding Revolving
      Credit Loan denominated in Dollars to a Revolving Credit Loan of another
      Type denominated in Dollars, provided that (a) with respect to any such
      conversion of a Revolving Credit Loan to a Prime Rate Loan, the Borrower
      shall give the Agent at least three (3) Business Days prior written notice
      of such election; (b) with respect to any such conversion of a Prime Rate
      Loan to a Eurocurrency Rate Loan, the Borrower shall give the Agent at
      least three (3) Business Days prior written notice of such election; (c)
      with respect to any such conversion of a Eurocurrency Rate Loan into a
      Prime Rate Loan, such conversion shall only be made on the last day of the
      Interest Period with respect thereto; and (d) no Revolving Credit Loan may
      be converted into a Eurocurrency Rate Loan when any Default or Event of
      Default has occurred and is continuing. On the date on which such
      conversion is being made each Bank shall take such action as is necessary
      to transfer its Commitment Percentage of such Revolving Credit Loans to
      its Domestic Lending Office or its Eurocurrency Lending Office, as the
      case may be. All or any part of outstanding Revolving Credit Loans
      denominated in Dollars of any Type may be converted into a Revolving
      Credit Loan of another Type as provided herein, provided that any partial
      conversion shall be in an aggregate principal amount of $500,000 or a
      whole multiple of $100,000 in excess thereof. Each Conversion Request
      relating to the conversion of a Revolving Credit Loan to a Eurocurrency
      Rate Loan shall be irrevocable by the Borrower.

            2.7.2. Continuation of Type of Revolving Credit Loan. Any Revolving
      Credit Loan of any Type may be continued as a Revolving Credit

<PAGE>
                                      -24-

      Loan of the same Type upon the expiration of an Interest Period with
      respect thereto by compliance by the Borrower with the notice provisions
      contained in ss.2.7.1; provided that (a) as to Eurocurrency Rate Loans
      denominated in Dollars, no Eurocurrency Rate Loan may be continued as such
      when any Default or Event of Default has occurred and is continuing, but
      shall be automatically converted to a Prime Rate Loan on the last day of
      the first Interest Period relating thereto ending during the continuance
      of any Default or Event of Default of which officers of the Agent active
      upon the Borrower's account have actual knowledge; and (b) as to
      Eurocurrency Rate Loans denominated in an Optional Currency, no such
      Eurocurrency Rate may be continued as such when any Default or Event of
      Default has occurred or is continuing or the provisions of ss.2.9 hereof
      have not or cannot be met at the time of such continuation but shall be
      repaid by the Borrower on the last day of the Interest Period relating
      thereto. In the event that the Borrower fails to provide any such notice
      with respect to the continuation of any Eurocurrency Rate Loan as such,
      then (a) as to Eurocurrency Rate Loans denominated in Dollars, such
      Eurocurrency Rate Loan shall be automatically converted to a Prime Rate
      Loan on the last day of the first Interest Period relating thereto, and
      (b) as to Eurocurrency Rate Loans denominated in an Optional Currency,
      such Eurocurrency Rate Loans shall be repaid on the last day of the
      Interest Period relating thereto. The Agent shall notify the Banks
      promptly when any such automatic conversion contemplated by this ss.2.7
      is scheduled to occur.

            2.7.3. Eurocurrency Rate Loans. Any conversion to or from
      Eurocurrency Rate Loans shall be in such amounts and be made pursuant to
      such elections so that, after giving effect thereto, the aggregate
      principal amount of all Eurocurrency Rate Loans having the same Interest
      Period shall not be less than $500,000 or a whole multiple of $100,000 in
      excess thereof (or, in the case of Eurocurrency Rate Loans denominated in
      an Optional Currency, the whole number which is nearest the Dollar
      Equivalent of $500,000 or $100,000, as the case may be rounded to the
      nearest one thousandth). No more than five (5) Eurocurrency Rate Loans
      having different Interest Periods may be outstanding at any time.

      2.8. Funds for Revolving Credit Loan.

            2.8.1. Funding Procedures. Not later than 11:00 a.m. (Boston time)
      on the proposed Drawdown Date of any Revolving Credit Loans, each of the
      Banks will make available to the Agent, at the Agent's Head Office, in
      immediately available funds, the amount of such Bank's Commitment
      Percentage of the amount of the requested Revolving Credit Loans. Upon
      receipt from each Bank of such amount, and upon receipt of the documents
      required by ss.ss.12 and 13 and the satisfaction of the other conditions
      set forth therein, to the extent applicable, the Agent will make available
      to the Borrower the aggregate amount of such Revolving Credit Loans made
      available to the Agent by the Banks. The failure or refusal of any Bank to
      make available to the Agent at the aforesaid time and place on any
      Drawdown Date the amount of its Commitment Percentage of the requested

<PAGE>
                                      -25-

      Revolving Credit Loans shall not relieve any other Bank from its several
      obligation hereunder to make available to the Agent the amount of such
      other Bank's Commitment Percentage of any requested Revolving Credit
      Loans.

            2.8.2. Advances by Agent. The Agent may, unless notified to the
      contrary by any Bank prior to a Drawdown Date, assume that such Bank has
      made available to the Agent on such Drawdown Date the amount of such
      Bank's Commitment Percentage of the Revolving Credit Loans to be made on
      such Drawdown Date, and the Agent may (but it shall not be required to),
      in reliance upon such assumption, make available to the Borrower a
      corresponding amount. If any Bank makes available to the Agent such amount
      on a date after such Drawdown Date, such Bank shall pay to the Agent on
      demand an amount equal to the product of (a) the average computed for the
      period referred to in clause (c) below, of the Overnight Rate for each day
      included in such period, times (b) the amount of such Bank's Commitment
      Percentage of such Revolving Credit Loans, times (c) a fraction, the
      numerator of which is the number of days that elapse from and including
      such Drawdown Date to the date on which the amount of such Bank's
      Commitment Percentage of such Revolving Credit Loans shall become
      immediately available to the Agent, and the denominator of which is 365. A
      statement of the Agent submitted to such Bank with respect to any amounts
      owing under this paragraph shall be prima facie evidence of the amount due
      and owing to the Agent by such Bank. If the amount of such Bank's
      Commitment Percentage of such Revolving Credit Loans is not made available
      to the Agent by such Bank within three (3) Business Days following such
      Drawdown Date, the Agent shall be entitled to recover such amount from the
      Borrower on demand, with interest thereon at the rate per annum applicable
      to the Revolving Credit Loans made on such Drawdown Date.

      2.9. Optional Currency.

            2.9.1. Request for Optional Currency. Subject to the limitations set
      forth in ss.2.1, the Borrower may, upon at least three (3) Business Days'
      notice to the Agent in substantially the form of Exhibit F hereto (an "OC
      Notice"), request that one or more Revolving Credit Loans be made as
      Eurocurrency Rate Loans in an Optional Currency, provided that any
      Revolving Credit Loan proposed to be made under this ss.2.9.1 shall be in
      an amount not less than $500,000, or a greater amount which is an integral
      multiple of $100,000, or the Dollar Equivalent in an Optional Currency.
      Each OC Notice requesting a Revolving Credit Loan in an Optional Currency
      shall be by telephone, telex, telecopy or cable (in each case confirmed in
      writing by the Borrower), specifying (a) the amount of the Revolving
      Credit Loan to be made, (b) the requested date of the proposed borrowing,
      (c) the requested currency in which the Revolving Credit Loan is to be
      made, (d) the initial Interest Period for the Revolving Credit Loan to be
      borrowed, and (e) the Borrower's account with the Agent, or, in the case
      of an Optional Currency which is the legal tender of a country in which
      the Agent has no office, with another depository specified by the Borrower
      in such country, to
<PAGE>
                                      -26-

      which payment of the proceeds of such Revolving Credit Loan is to be made.
      If any Bank, on or prior to the second Business Day preceding the first
      day of any Interest Period for which an OC Notice has been delivered
      requesting a Revolving Credit Loan in an Optional Currency or on any
      funding date, determines (which determination shall be conclusive) that
      the Optional Currency is not freely transferable and convertible into
      Dollars or that it will be impracticable for such Bank to fund the
      Revolving Credit Loan in such Optional Currency, then such Bank shall so
      notify Agent, which notification shall be given immediately by the Agent
      to the Borrower, and such Bank's portion of the requested Revolving Credit
      Loan shall, notwithstanding any contrary election by the Borrower or any
      other provisions hereof, be denominated in Dollars as a Prime Rate Loan
      unless the Borrower, one Business Day prior to the commencement of the
      Interest Period and pursuant to the terms of ss.2.6, elects to have such
      Revolving Credit Loan denominated in Dollars as a Eurocurrency Rate Loan.
      Subject to the foregoing and to the satisfaction of the terms and
      conditions of ss.ss.12 and 13, each Revolving Credit Loan requested to
      be made in an Optional Currency will be made on the date specified
      therefor in the OC Notice, in the currency requested in the OC Notice and,
      upon being so made, will have the Interest Period requested in the OC
      Notice. Notwithstanding anything to the contrary contained herein, the
      aggregate outstanding amount of all Revolving Credit Loans denominated in
      an Optional Currency shall not exceed the Dollar Equivalent of $15,000,000
      at any time.

            2.9.2. Exchange Rate. For purposes of this Credit Agreement, the
      amount in one currency which shall be equivalent on any particular date to
      a specified amount in another currency shall be that amount (as
      conclusively ascertained by the Agent by its normal banking practices,
      absent manifest error) in the first currency which is or could be
      purchased by the Agent (in accordance with normal banking practices) with
      such specified amount in the second currency in any recognized
      Eurocurrency Interbank Market selected by the Agent in good faith for
      delivery on such date at the spot rate of exchange prevailing at 10:00
      A.M. (Boston time) (or as soon thereafter as practicable) on such date
      (such amount described in this ss.2.9.2, the "Rate of Exchange").

            2.9.3. Denominations. In the event that any portion of the funds
      available under the terms of this Credit Agreement is denominated in an
      Optional Currency, the Dollar Equivalent of such portion of the funds
      shall be calculated pursuant to ss.2.9.2 above. The amount so determined
      shall then be added to the amount already outstanding in Dollars for the
      purpose of determining the remaining availability of funds under ss.2.1
      and ss.2.9.1 hereof and any required repayments under the following
      ss.2.9.4.

            2.9.4. Repayment. If at any time prior to the Revolving Credit Loan
      Maturity Date, the Dollar Equivalent of the aggregate principal amount
      outstanding of all Revolving Credit Loans, Unpaid Reimbursement
      Obligations and the Maximum Drawing Amount hereunder shall exceed the

<PAGE>
                                      -27-

      Total Commitment as a result of fluctuations in respective conversion
      rates, the Borrower shall pay or cause to be paid immediately, upon demand
      made by the Agent, such amounts as are sufficient to eliminate such excess
      and to reduce the aggregate principal amount outstanding to the Dollar
      Equivalent of the Total Commitment. In the event there are any Revolving
      Credit Loans outstanding which are denominated in an Optional Currency,
      the Agent shall provide the Banks and the Borrower with calculations on
      the last day of each calendar month that such Revolving Credit Loans are
      outstanding as to the Dollar Equivalents of such Revolving Credit Loans.

            2.9.5. Funding. Each Bank may make any Eurocurrency Rate Loan
      denominated in an Optional Currency by causing any of its foreign branches
      or foreign affiliates to make such Eurocurrency Rate Loan (whether or not
      such branch or affiliate is named as a lending office on the signature
      pages hereof); provided that in such event the obligation of the Borrower
      to repay such Eurocurrency Rate Loan shall nevertheless be to such Bank
      and shall, for all purposes of this Credit Agreement (including without
      limitation for purposes of the definition of the term "Majority Banks") be
      deemed made by such Bank, to the extent of such Eurocurrency Rate Loan,
      for the account of such branch or affiliate.

      2.10. Settlements.

            2.10.1. General. On each Settlement Date, the Agent shall, not later
      than 11:00 a.m. (Boston time), give telephonic or facsimile notice (a) to
      the Banks and the Borrower of the respective outstanding amount of
      Revolving Credit Loans made by the Agent on behalf of the Banks from the
      immediately preceding Settlement Date through the close of business on the
      prior day and the amount of any Eurocurrency Rate Loans to be made
      (following the giving of notice pursuant to ss.2.6.1(ii)) on such date
      pursuant to a Loan Request and (b) to the Banks of the amount (a
      "Settlement Amount") that each Bank (a "Settling Bank") shall pay to
      effect a Settlement of any Revolving Credit Loan. A statement of the Agent
      submitted to the Banks and the Borrower or to the Banks with respect to
      any amounts owing under this ss.2.10 shall be prima facie evidence of the
      amount due and owing. Each Settling Bank shall, not later than 3:00 p.m.
      (Boston time) on such Settlement Date, effect a wire transfer of Same Day
      Funds to the Agent in the amount of the Settlement Amount for such
      Settling Bank. All funds advanced by any Bank as a Settling Bank pursuant
      to this ss.2.10 shall for all purposes be treated as a Revolving Credit
      Loan made by such Settling Bank to the Borrower and all funds received by
      any Bank pursuant to this ss.2.10 shall for all purposes be treated as
      repayment of amounts owed with respect to Revolving Credit Loans made by
      such Bank. In the event that any bankruptcy, reorganization, liquidation,
      receivership or similar cases or proceedings in which the Borrower is a
      debtor prevent a Settling Bank from making any Revolving Credit Loan to
      effect a Settlement as contemplated hereby, such Settling Bank will make
      such dispositions and arrangements with the other Banks with respect to
      such Revolving Credit Loans, either by way of purchase of

<PAGE>
                                      -28-

      participations, distribution, pro tanto assignment of claims, subrogation
      or otherwise as shall result in each Bank's share of the outstanding
      Revolving Credit Loans being equal, as nearly as may be, to such Bank's
      Commitment Percentage of the outstanding amount of the Revolving Credit
      Loans.

            2.10.2. Failure to Make Funds Available. The Agent may, unless
      notified to the contrary by any Settling Bank prior to a Settlement Date,
      assume that such Settling Bank has made or will make available to the
      Agent on such Settlement Date the amount of such Settling Bank's
      Settlement Amount, and the Agent may (but it shall not be required to), in
      reliance upon such assumption, make available to the Borrower a
      corresponding amount. If any Settling Bank makes available to the Agent
      such amount on a date after such Settlement Date, such Settling Bank shall
      pay to the Agent on demand an amount equal to the product of (a) the
      average computed for the period referred to in clause (c) below, of the
      Overnight Rate for each day included in such period, times (b) the amount
      of such Settlement Amount, times (c) a fraction, the numerator of which is
      the number of days that elapse from and including such Settlement Date to
      the date on which the amount of such Settlement Amount shall become
      immediately available to the Agent, and the denominator of which is 360. A
      statement of the Agent submitted to such Settling Bank with respect to any
      amounts owing under this ss.2.10.2 shall be prima facie evidence of the
      amount due and owing to the Agent by such Settling Bank. If such Settling
      Bank's Settlement Amount is not made available to the Agent by such
      Settling Bank within three (3) Business Days following such Settlement
      Date, the Agent shall be entitled to recover such amount from the Borrower
      on demand, with interest thereon at the rate per annum applicable to the
      Revolving Credit Loans as of such Settlement Date.

            2.10.3. No Effect on Other Banks. The failure or refusal of any
      Settling Bank to make available to the Agent at the aforesaid time and
      place on any Settlement Date the amount of such Settling Bank's Settlement
      Amount shall not (a) relieve any other Settling Bank from its several
      obligations hereunder to make available to the Agent the amount of such
      other Settling Bank's Settlement Amount or (b) impose upon any Bank, other
      than the Settling Bank so failing or refusing, any liability with respect
      to such failure or refusal or otherwise increase the Commitment of such
      other Bank.

                   3. REPAYMENT OF THE REVOLVING CREDIT LOANS.

      3.1. Maturity. The Borrower promises to pay on the Revolving Credit Loan
Maturity Date, and there shall become absolutely due and payable on the
Revolving Credit Loan Maturity Date, all of the Revolving Credit Loans
outstanding on such date, together with any and all accrued and unpaid interest
thereon.
<PAGE>
                                      -29-

      3.2. Mandatory Repayments of Revolving Credit Loans. If at any time the
sum of the outstanding principal amount of the Revolving Credit Loans, the
Maximum Drawing Amount and all Unpaid Reimbursement Obligations exceeds the
Total Commitment; then the Borrower shall immediately pay the amount of such
excess to the Agent for the respective accounts of the Banks for application:
first, to any Unpaid Reimbursement Obligations; second, to the Revolving Credit
Loans; and third, to provide to the Agent cash collateral for Reimbursement
Obligations as contemplated by ss.4.2(b) and (c). Each payment of any Unpaid
Reimbursement Obligations or prepayment of Revolving Credit Loans shall be
allocated among the Banks, in proportion, as nearly as practicable, to each
Reimbursement Obligation or (as the case may be) the respective unpaid principal
amount of each Bank's Revolving Credit Note, with adjustments to the extent
practicable to equalize any prior payments or repayments not exactly in
proportion.

      3.3. Optional Repayments of Revolving Credit Loans. The Borrower shall
have the right, at its election, to repay the outstanding amount of the
Revolving Credit Loans, as a whole or in part, at any time without penalty or
premium, provided that any full or partial prepayment of the outstanding amount
of any Eurocurrency Rate Loans pursuant to this ss.3.3 may be made only on the
last day of the Interest Period relating thereto. The Borrower shall give the
Agent, no later than 10:00 a.m., Boston time, on the day of the proposed
prepayment prior written notice (or telephonic notice conformed in a writing by
the end of such day) of such proposed prepayment pursuant to this ss.3.3 of
Prime Rate Loans, and three (3) Business Days notice of any proposed prepayment
pursuant to this ss.3.3 of Eurocurrency Rate Loans, in each case specifying the
proposed date of prepayment of Revolving Credit Loans and the principal amount
to be prepaid. Each such partial prepayment of the Revolving Credit Loans shall
be in the amount of $100,000 or an integral multiple thereof (or the Dollar
Equivalent) in excess thereof, and shall be applied, in the absence of
instruction by the Borrower, first to the principal of Prime Rate Loans and then
to the principal of Eurocurrency Rate Loans. Each partial prepayment shall be
allocated among the Banks, in proportion, as nearly as practicable, to the
respective unpaid principal amount of each Banks Revolving Credit Note, with
adjustments to the extent practicable to equalize any prior repayments not
exactly in proportion.

                              4. LETTERS OF CREDIT.

      4.1. Letter of Credit Commitments.

            4.1.1. Commitment to Issue Letters of Credit. Subject to the terms
      and conditions hereof and the execution and delivery by the Borrower of a
      letter of credit application on the Agent's customary form (a "Letter of
      Credit Application"), the Agent on behalf of the Banks and in reliance
      upon the agreement of the Banks set forth in ss.4.1.4 and upon the
      representations and warranties of the Borrower contained herein, agrees,
      in its individual capacity, to issue, extend and renew for the account of
      the Borrower one or more standby or documentary letters of credit
      (individually, a "Letter of Credit"), in such form as may be requested
      from time to time by the Borrower
<PAGE>
                                      -30-

      and agreed to by the Agent; provided, however, that, after giving effect
      to such request, the sum of (a) the Maximum Drawing Amount on all Letters
      of Credit, (b) all Unpaid Reimbursement Obligations, and (c) the Dollar
      Equivalent of the amount of all Revolving Credit Loans outstanding shall
      not exceed the Total Commitment. Notwithstanding the foregoing, the Agent
      shall have no obligation to issue any Letter of Credit to support or
      secure any Indebtedness of the Borrower or any of its Subsidiaries to the
      extent that such Indebtedness was incurred prior to the proposed issuance
      date of such Letter of Credit, unless in any such case the Borrower
      demonstrates to the satisfaction of the Agent that (x) such prior incurred
      Indebtedness were then fully secured by a prior perfected and unavoidable
      security interest in collateral provided by the Borrower or such
      Subsidiary to the proposed beneficiary of such Letter of Credit or (y)
      such prior incurred Indebtedness were then secured or supported by a
      letter of credit issued for the account of the Borrower or such Subsidiary
      and the reimbursement obligation with respect to such letter of credit was
      fully secured by a prior perfected and unavoidable security interest in
      collateral provided to the issuer of such letter of credit by the Borrower
      or such Subsidiary.

            4.1.2. Letter of Credit Applications. Each Letter of Credit
      Application shall be completed to the satisfaction of the Agent. In the
      event that any provision of any Letter of Credit Application shall be
      inconsistent with any provision of this Credit Agreement, then the
      provisions of this Credit Agreement shall, to the extent of any such
      inconsistency, govern.

            4.1.3. Terms of Letters of Credit. Each Letter of Credit issued,
      extended or renewed hereunder shall, among other things, (a) provide for
      the payment of sight drafts for honor thereunder when presented in
      accordance with the terms thereof and when accompanied by the documents
      described therein, and (b) have an expiry date no later than the date
      which is fourteen (14) days (or, if the Letter of Credit is confirmed by a
      confirmer or otherwise provides for one or more nominated persons,
      forty-five (45) days) prior to the Revolving Credit Loan Maturity Date.
      Each Letter of Credit so issued, extended or renewed shall be subject to
      the Uniform Customs or, in the case of a standby Letter of Credit, either
      the Uniform Customs or the International Standby Practices.

            4.1.4. Reimbursement Obligations of Banks. Each Bank severally
      agrees that it shall be absolutely liable, without regard to the
      occurrence of any Default or Event of Default or any other condition
      precedent whatsoever, to the extent of such Bank's Commitment Percentage,
      to reimburse the Agent on demand for the amount of each draft paid by the
      Agent under each Letter of Credit to the extent that such amount is not
      reimbursed by the Borrower pursuant to ss.4.2 (such agreement for a Bank
      being called herein the "Letter of Credit Participation" of such Bank).

            4.1.5. Participations of Banks. Each such payment made by a Bank
      shall be treated as the purchase by such Bank of a participating
<PAGE>
                                      -31-

      interest in the Borrower's Reimbursement Obligation under ss.4.2 in an
      amount equal to such payment. Each Bank shall share in accordance with its
      participating interest in any interest which accrues pursuant to ss.4.2.

      4.2. Reimbursement Obligation of the Borrower. In order to induce the
Agent to issue, extend and renew each Letter of Credit and the Banks to
participate therein, the Borrower hereby agrees to reimburse or pay to the
Agent, for the account of the Agent or (as the case may be) the Banks, with
respect to each Letter of Credit issued, extended or renewed by the Agent
hereunder,

            (a) except as otherwise expressly provided in ss.4.2(b) and (c), on
      each date that any draft presented under such Letter of Credit is honored
      by the Agent, or the Agent otherwise makes a payment with respect thereto,
      (i) the amount paid by the Agent under or with respect to such Letter of
      Credit, and (ii) the amount of any taxes, fees, charges or other costs and
      expenses whatsoever incurred by the Agent or any Bank in connection with
      any payment made by the Agent or any Bank under, or with respect to, such
      Letter of Credit,

            (b) upon the reduction (but not termination) of the Total Commitment
      to an amount less than the Maximum Drawing Amount, an amount equal to such
      difference, which amount shall be held by the Agent for the benefit of the
      Banks and the Agent as cash collateral for all Reimbursement Obligations,
      and

            (c) upon the termination of the Total Commitment, or the
      acceleration of the Reimbursement Obligations with respect to all Letters
      of Credit in accordance with ss.14, an amount equal to the then Maximum
      Drawing Amount on all Letters of Credit, which amount shall be held by the
      Agent for the benefit of the Banks and the Agent as cash collateral for
      all Reimbursement Obligations.

Each such payment shall be made to the Agent at the Agent's Head Office in
immediately available funds. Interest on any and all amounts remaining unpaid by
the Borrower under this ss.4.2 at any time from the date such amounts become due
and payable (whether as stated in this ss.4.2, by acceleration or otherwise)
until payment in full (whether before or after judgment) shall be payable to the
Agent on demand at the rate specified in ss.5.11 for overdue principal on the
Revolving Credit Loans.

      4.3. Letter of Credit Payments. If any draft shall be presented or other
demand for payment shall be made under any Letter of Credit, the Agent shall
notify the Borrower of the date and amount of the draft presented or demand for
payment and of the date and time when it expects to pay such draft or honor such
demand for payment. If the Borrower fails to reimburse the Agent as provided in
ss.4.2 on or before the date that such draft is paid or other payment is made by
the Agent, the Agent may at any time thereafter notify the Banks of the amount
of any such Unpaid Reimbursement Obligation. No later than 3:00 p.m. (Boston
time) on
<PAGE>
                                      -32-

the Business Day next following the receipt of such notice, each Bank shall make
available to the Agent, at the Agent's Head Office, in Same Day Funds, such
Bank's Commitment Percentage of such Unpaid Reimbursement Obligation, together
with an amount equal to the product of (a) the average, computed for the period
referred to in clause (c) below, of the Overnight Rate for each day included in
such period, times (b) the amount equal to such Bank's Commitment Percentage of
such Unpaid Reimbursement Obligation, times (c) a fraction, the numerator of
which is the number of days that elapse from and including the date the Agent
paid the draft presented for honor or otherwise made payment to the date on
which such Bank's Commitment Percentage of such Unpaid Reimbursement obligation
shall become immediately available to the Agent, and the denominator of which is
360. The responsibility of the Agent to the Borrower and the Banks shall be only
to determine that the documents (including each draft) delivered under each
Letter of Credit in connection with such presentment shall be in conformity in
all material respects with such Letter of Credit.

      4.4. Obligations Absolute. The Borrower's obligations under this ss.4
shall be absolute and unconditional under any and all circumstances and
irrespective of the occurrence of any Default or Event of Default or any
condition precedent whatsoever or any setoff, counterclaim or defense to payment
which the Borrower may have or have had against the Agent, any Bank or any
beneficiary of a Letter of Credit. The Borrower further agrees with the Agent
and the Banks that the Agent and the Banks shall not be responsible for, and the
Borrower's Reimbursement Obligations under ss.4.2 shall not be affected by,
among other things, the validity or genuineness of documents or of any
endorsements thereon, even if such documents should in fact prove to be in any
or all respects invalid, fraudulent or forged, or any dispute between or among
the Borrower, the beneficiary of any Letter of Credit or any financing
institution or other party to which any Letter of Credit may be transferred or
any claims or defenses whatsoever of the Borrower against the beneficiary of any
Letter of Credit or any such transferee. The Agent and the Banks shall not be
liable for any error, omission, interruption or delay in transmission, dispatch
or delivery of any message or advice, however transmitted, in connection with
any Letter of Credit. The Borrower agrees that any action taken or omitted by
the Agent or any Bank under or in connection with each Letter of Credit and the
related drafts and documents, if done in good faith and absent gross negligence,
shall be binding upon the Borrower and shall not result in any liability on the
part of the Agent or any Bank to the Borrower.

      4.5. Reliance by Issuer. To the extent not inconsistent with ss.4.4, the
Agent shall be entitled to rely, and shall be fully protected in relying upon,
any Letter of Credit, draft, writing, resolution, notice, consent, certificate,
affidavit, letter, cablegram, telegram, telecopy, telex or teletype message,
statement, order or other document believed by it to be genuine and correct and
to have been signed, sent or made by the proper Person or Persons and upon
advice and statements of legal counsel, independent accountants and other
experts selected by the Agent. The Agent shall be fully justified in failing or
refusing to take any action under this Credit Agreement unless it shall first
have received such advice or concurrence of the Majority Banks as it reasonably
deems appropriate or it shall first be
<PAGE>
                                      -33-

indemnified to its reasonable satisfaction by the Banks against any and all
liability and expense which may be incurred by it by reason of taking or
continuing to take any such action. The Agent shall in all cases be fully
protected in acting, or in refraining from acting, under this Credit Agreement
in accordance with a request of the Majority Banks, and such request and any
action taken or failure to act pursuant thereto shall be binding upon the Banks
and all future holders of the Revolving Credit Notes or of a Letter of Credit
Participation.

      4.6. Letter of Credit Fee. The Borrower shall pay a fee (in each case, a
"Letter of Credit Fee") to the Agent quarterly in arrears on the first day of
each calendar quarter for the immediately preceding calendar quarter commencing
on the first such date following the date hereof (a) in respect of each standby
Letter of Credit an amount equal to the Applicable Margin for letter of credit
fees per annum of the face amount of such standby Letter of Credit, of which an
amount equal to one eighth of one percent (1/8%) per annum of the face amount of
such standby Letter of Credit shall be for the account of the Agent, as a
fronting fee, and the balance of which Letter of Credit Fee shall be for the
accounts of the Banks in accordance with their respective Commitment Percentages
and (b) in respect of each documentary Letter of Credit an amount equal to the
Applicable Margin for letter of credit fees per annum of the face amount of such
documentary Letter of Credit, of which an amount equal to one eighth of one
percent (1/8%) per annum of the face amount of such documentary Letter of Credit
shall be for the account of the Agent, as a fronting fee, and the balance of
which Letter of Credit Fee shall be for the accounts of the Banks in accordance
with their respective Commitment Percentages. In respect of each Letter of
Credit, the Borrower shall also pay to the Agent for the Agent's own account, on
date of issuance or any extension or renewal of any Letter of Credit and at such
other time or times as such charges are customarily made by the Agent, the
Agent's customary issuance, amendment, negotiation or document examination and
other administrative fees as in effect from time to time.

                         5. CERTAIN GENERAL PROVISIONS.

      5.1. Closing Fee. The Borrower agrees to pay to the Agent for the pro rata
accounts of the Banks on the Closing Date a closing fee in the amount of
$50,000.

      5.2. Agent's Fee. The Borrower shall pay to the Agent annually in advance,
for the Agent's own account, on the date on which any other Bank (other than
Fleet) shall become a party to this Agreement and on each anniversary of such
date, an Agent's fee in an amount to be mutually agreed upon by the Agent and
the Borrower.

      5.3. Funds for Payments.

            5.3.1. Payments to Agent. All payments of principal and interest on
      Revolving Credit Loans made to the Borrower which are denominated in
      Dollars, Reimbursement Obligations with respect to Letters of Credit
      issued in Dollars, Commitment Fees, Letter of Credit Fees and any other
      amounts due hereunder or under any of the other Loan Documents shall be
      made on
<PAGE>
                                      -34-

      the due date thereof to the Agent in Dollars, for the respective accounts
      of the Banks and the Agent, at the Agent's Head Office or at such other
      place that the Agent may from time to time designate, in each case at or
      about 11:00 a.m. (Boston, Massachusetts, time or other local time at the
      place of payment) and in Same Day Funds. All payments of principal and
      interest on Revolving Credit Loans made to the Borrower which are
      denominated in an Optional Currency, all Reimbursement Obligations with
      respect to Letters of Credit issued in an Optional Currency and all other
      fees hereunder by any local branch or affiliate of any Bank or the Agent
      located outside of the United States shall be made by the Borrower to the
      Agent in the currency of such Revolving Credit Loan or Letter of Credit,
      as the case may be, at or prior to 11:00 a.m., local time, on any payment
      date, in Same Day Funds, for the account of the Agent, at a depository
      designated by the Agent in the country in which such Optional Currency is
      legal tender. Each payment in respect of any Revolving Credit Loan and any
      Reimbursement Obligations made by the Borrower shall be made in the same
      currency in which such Revolving Credit Loan was made unless otherwise
      agreed by the Banks.

            5.3.2. No Offset, etc. All payments by the Borrower hereunder and
      under any of the other Loan Documents shall be made without recoupment,
      setoff or counterclaim and free and clear of and without deduction for any
      taxes, levies, imposts, duties, charges, fees, deductions, withholdings,
      compulsory loans, restrictions or conditions of any nature now or
      hereafter imposed or levied by any jurisdiction or any political
      subdivision thereof or taxing or other authority therein unless the
      Borrower is compelled by law to make such deduction or withholding. If any
      such obligation is imposed upon the Borrower with respect to any amount
      payable by it hereunder or under any of the other Loan Documents, the
      Borrower will pay to the Agent, for the account of the Banks or (as the
      case may be) the Agent, on the date on which such amount is due and
      payable hereunder or under such other Loan Document, such additional
      amount in Dollars as shall be necessary to enable the Banks or the Agent
      to receive the same net amount which the Banks or the Agent would have
      received on such due date had no such obligation been imposed upon the
      Borrower. The Borrower will deliver promptly to the Agent certificates or
      other valid vouchers for all taxes or other charges deducted from or paid
      with respect to payments made by the Borrower hereunder or under such
      other Loan Document.

      5.4. Computations. All computations of interest on the Prime Rate Loans
and of Commitment Fees, Letter of Credit Fees or other fees shall, unless
otherwise expressly provided herein, be based on a 365-day year and paid for the
actual number of days elapsed, and all computations of interest on Eurocurrency
Rate Loans shall be based on a 360-day year and paid for the actual number of
days elapsed. Except as otherwise provided in the definition of the term
"Interest Period" with respect to Eurocurrency Rate Loans, whenever a payment
hereunder or under any of the other Loan Documents becomes due on a day that is
not a Business Day, the due date for such payment shall be extended to the next
succeeding Business Day, and interest shall accrue during such extension. The
outstanding amount of
<PAGE>
                                      -35-

the Revolving Credit Loans as reflected on the Records from time to time shall
be considered correct and binding on the Borrower unless within ten (10)
Business Days after receipt of any notice by the Agent or any of the Banks of
such outstanding amount, the Agent or such Bank shall notify the Borrower to the
contrary.

      5.5. Inability to Determine Eurocurrency Rate. In the event, prior to the
commencement of any Interest Period relating to any Eurocurrency Rate Loan, the
Agent shall determine or be notified by the Majority Banks that (a) adequate and
reasonable methods do not exist for ascertaining the Eurodollar Rate or the
International Eurocurrency Rate, as the case may be, that would otherwise
determine the rate of interest to be applicable to any Eurocurrency Rate Loan
during any Interest Period or deposits of Dollars or the relevant Optional
Currency, as the case may be, in the relevant Interest Period are not available
to the Agent or the Banks in any Eurocurrency Interbank Market, or (b) the
Eurodollar Rate or the International Eurocurrency Rate, as the case may be,
determined or to be determined for such Interest Period will not adequately and
fairly reflect the cost to the Banks of making or maintaining their Eurocurrency
Rate Loans during such period, the Agent shall forthwith give notice of such
determination (which shall be conclusive and binding on the Borrower and the
Banks) to the Borrower and the Banks. In such event (a) any Loan Request or
Conversion Request with respect to Eurocurrency Rate Loans shall be
automatically withdrawn and, in the case of Revolving Credit Loans denominated
in Dollars, shall be deemed a request for Prime Rate Loans to be denominated in
Dollars and in the case of any Eurocurrency Rate Loan denominated in an Optional
Currency, shall be withdrawn, (b) each Eurocurrency Rate Loan will
automatically, on the last day of the then current Interest Period relating
thereto, if denominated in Dollars, become a Prime Rate Loan and if denominated
in an Optional Currency, be repaid, and (c) the obligations of the Banks to make
Eurocurrency Rate Loans shall be suspended until the Agent or the Majority Banks
determine that the circumstances giving rise to such suspension no longer exist,
whereupon the Agent or, as the case may be, the Agent upon the instruction of
the Majority Banks, shall so notify the Borrower and the Banks.

      5.6. Illegality. Notwithstanding any other provisions herein, if any
present or future law, regulation, treaty or directive or in the interpretation
or application thereof shall make it unlawful for any Bank to make or maintain
Eurocurrency Rate Loans or perform its obligations in respect of any
Eurocurrency Rate Loans in an Optional Currency or Currencies, such Bank shall
forthwith give notice of such circumstances to the Borrower and the other Banks
and thereupon (a) the commitment of such Bank to make Eurocurrency Rate Loans or
convert Loans of another Type to Eurocurrency Rate Loans shall forthwith be
suspended and (b) such Bank's Revolving Credit Loans then outstanding as
Eurocurrency Rate Loans and denominated in Dollars, if any, shall be converted
automatically to Prime Rate Loans on the last day of each Interest Period
applicable to such Eurocurrency Rate Loans or within such earlier period as may
be required by law and the Eurocurrency Rate Loans then outstanding and
denominated in an Optional Currency, if any, shall be repaid on the last day of
each Interest Period applicable to such Eurocurrency Rate Loan or within such
earlier period as may be required by law.
<PAGE>
                                      -36-

The Borrower hereby agrees promptly to pay the Agent for the account of such
Bank, upon demand by such Bank, any additional amounts necessary to compensate
such Bank for any costs incurred by such Bank in making any conversion in
accordance with this ss.5.6, including any interest or fees payable by such Bank
to lenders of funds obtained by it in order to make or maintain its Eurocurrency
Rate Loans hereunder.

      5.7. Additional Costs, etc. If any present or future applicable law, which
expression, as used herein, includes statutes, rules and regulations thereunder
and interpretations thereof by any competent court or by any governmental or
other regulatory body or official charged with the administration or the
interpretation thereof and requests, directives, instructions and notices at any
time or from time to time hereafter made upon or otherwise issued to any Bank or
the Agent by any central bank or other fiscal, monetary or other authority
(whether or not having the force of law), shall:

            (a) subject any Bank or the Agent to any tax, levy, impost, duty,
      charge, fee, deduction or withholding of any nature with respect to this
      Credit Agreement, the other Loan Documents, any Letters of Credit, such
      Bank's Commitment or the Revolving Credit Loans (other than taxes based
      upon or measured by the income or profits of such Bank or the Agent), or

            (b) materially change the basis of taxation (except for changes in
      taxes on income or profits) of payments to any Bank of the principal of or
      the interest on any Revolving Credit Loans or any other amounts payable to
      any Bank or the Agent under this Credit Agreement or any of the other Loan
      Documents, or

            (c) impose or increase or render applicable (other than to the
      extent specifically provided for elsewhere in this Credit Agreement) any
      special deposit, reserve, assessment, liquidity, capital adequacy or other
      similar requirements (whether or not having the force of law) against
      assets held by, or deposits in or for the account of, or loans by, or
      letters of credit issued by, or commitments of an office of any Bank, or

            (d) impose on any Bank or the Agent any other conditions or
      requirements with respect to this Credit Agreement, the other Loan
      Documents, any Letters of Credit, the Revolving Credit Loans, such Bank's
      Commitment, or any class of loans, letters of credit or commitments of
      which any of the Revolving Credit Loans or such Bank's Commitment forms a
      part, and the result of any of the foregoing is

                  (i) to increase the cost to any Bank of making, funding,
            issuing, renewing, extending or maintaining any of the Revolving
            Credit Loans or such Bank's Commitment or any Letter of Credit, or

                  (ii) to reduce the amount of principal, interest,
            Reimbursement Obligation or other amount payable to such Bank or
<PAGE>
                                      -37-

            the Agent hereunder on account of such Bank's Commitment, any Letter
            of Credit or any of the Revolving Credit Loans, or

                  (iii) to require such Bank or the Agent to make any payment or
            to forego any interest or Reimbursement Obligation or other sum
            payable hereunder, the amount of which payment or foregone interest
            or Reimbursement Obligation or other sum is calculated by reference
            to the gross amount of any sum receivable or deemed received by such
            Bank or the Agent from the Borrower hereunder,

then, and in each such case, the Borrower will, upon demand made by such Bank or
(as the case may be) the Agent at any time and from time to time and as often as
the occasion therefor may arise, pay to such Bank or the Agent such additional
amounts as will be sufficient to compensate such Bank or the Agent for such
additional cost, reduction, payment or foregone interest or Reimbursement
Obligation or other sum.

      5.8. Capital Adequacy. If after the date hereof any Bank or the Agent
determines that (a) the adoption of or change in any law, governmental rule,
regulation, policy, guideline or directive (whether or not having the force of
law) regarding capital requirements for banks or bank holding companies or any
change in the interpretation or application thereof by a court or governmental
authority with appropriate jurisdiction, or (b) compliance by such Bank or the
Agent or any corporation controlling such Bank or the Agent with any law,
governmental rule, regulation, policy, guideline or directive (whether or not
having the force of law) of any such entity regarding capital adequacy, has the
effect of reducing the return on such Bank's or the Agent's commitment with
respect to any Revolving Credit Loans to a level below that which such Bank or
the Agent could have achieved but for such adoption, change or compliance
(taking into consideration such Bank's or the Agent's then existing policies
with respect to capital adequacy and assuming full utilization of such entity's
capital) by any amount deemed by such Bank or (as the case may be) the Agent to
be material, then such Bank or the Agent may notify the Borrower of such fact.
To the extent that the amount of such reduction in the return on capital is not
reflected in the Prime Rate, the Borrower and such Bank shall thereafter attempt
to negotiate in good faith, within thirty (30) days of the day on which the
Borrower receives such notice, an adjustment payable hereunder that will
adequately compensate such Bank in light of these circumstances. If the Borrower
and such Bank are unable to agree to such adjustment within thirty (30) days of
the date on which the Borrower receives such notice, then commencing on the date
of such notice (but not earlier than the effective date of any such increased
capital requirement), the fees payable hereunder shall increase by an amount
that will, in such Bank's reasonable determination, provide adequate
compensation. Each Bank shall allocate such cost increases among its customers
in good faith and on an equitable basis.

      5.9. Certificate. A certificate setting forth any additional amounts
payable pursuant to ss.ss.5.7 or 5.8 and a brief explanation of such amounts
which are due, submitted by any Bank or the Agent to the Borrower, shall be
conclusive, absent manifest error, that such amounts are due and owing.
<PAGE>
                                      -38-

      5.10. Indemnity. The Borrower agrees to indemnify each Bank and to hold
each Bank harmless from and against any loss, cost or expense (including loss of
anticipated profits) that such Bank may sustain or incur as a consequence of (a)
default by the Borrower in payment of the principal amount of or any interest on
any Eurocurrency Rate Loans as and when due and payable, including any such loss
or expense arising from interest or fees payable by such Bank to lenders of
funds obtained by it in order to maintain its Eurocurrency Rate Loans, (b)
default by the Borrower in making a borrowing or conversion after the Borrower
has given (or is deemed to have given) a Loan Request or a Conversion Request
relating thereto in accordance with ss.2.6 or ss.2.7 or (c) the making of any
payment of principal of a Eurocurrency Rate Loan or the making of any conversion
of any such Revolving Credit Loan to a Prime Rate Loan on a day that is not the
last day of the applicable Interest Period with respect thereto, including
interest or fees payable by such Bank to lenders of funds obtained by it in
order to maintain any such Revolving Credit Loans.

      5.11. Interest After Default.

            5.11.1. Overdue Amounts. Overdue principal and (to the extent
      permitted by applicable law) interest on the Revolving Credit Loans and
      all other overdue amounts payable hereunder or under any of the other Loan
      Documents shall bear interest compounded monthly and payable on demand at
      a rate per annum equal to four percent (4%) above the interest rate
      otherwise applicable to such Revolving Credit Loans until such amount
      shall be paid in full (after as well as before judgment).

            5.11.2. Amounts Not Overdue. During the continuance of an Event of
      Default the principal of the Revolving Credit Loans not overdue shall,
      until such Default or Event of Default has been cured or remedied or such
      Default or Event of Default has been waived by the Majority Banks pursuant
      to ss.27, bear interest at a rate per annum equal to four percent (4%)
      above the interest rate otherwise applicable to such Revolving Credit
      Loans pursuant to ss.2.5. Notwithstanding the co-existence of a payment
      Default or Event of Default (as described in ss.5.11.1) and a non-payment
      Default or Event of Default (as described in this ss.5.11.2), the rate of
      interest on the Revolving Credit Loans and (to the extent permitted by
      applicable law) interest thereon shall not be greater than four percent
      (4%) above the interest rate otherwise applicable to such Revolving Credit
      Loans.

      5.12. Currency Matters.

            5.12.1. Currency of Account. Dollars are the currency of account and
      payment for each and every sum at any time due from the Borrower
      hereunder; provided that:

            (a) except as expressly provided in this Credit Agreement, each
      repayment of a Revolving Credit Loan or a part thereof and each repayment
      of a Reimbursement Obligation shall be made in the currency in which such
<PAGE>
                                      -39-

      Revolving Credit Loan or Letter of Credit is denominated at the time of
      that repayment;

            (b) each payment of interest shall be made in the currency in which
      such principal or other sum in respect of which such interest is payable,
      is denominated;

            (c) each payment of Letter of Credit Fees and the Commitment Fee
      shall be in Dollars;

            (d) each payment in respect of costs, expenses and indemnities shall
      be made in the currency in which the same were incurred; and

            (e) any amount expressed to be payable in a currency other than
      Dollars shall be paid in that other currency.

            No payment to the Agent or any Bank (whether under any judgment or
      court order or otherwise) shall discharge the obligation or liability in
      respect of which it was made unless and until the Agent or such Bank shall
      have received payment in full in the currency in which such obligation or
      liability was incurred, and to the extent that the amount of any such
      payment shall, on actual conversion into such currency, fall short of such
      obligation or liability actual or contingent expressed in that currency,
      the Borrower shall indemnify and hold harmless the Agent or such Bank, as
      the case may be, with respect to the amount of the shortfall, with such
      indemnity surviving the termination of this Credit Agreement and any legal
      proceeding, judgment or court order pursuant to which the original payment
      was made which resulted in the shortfall.

            5.12.2. Currency Fluctuations.

            (a) Not later than 11:00 a.m. (Boston time) on the last Business Day
      of each calendar month (the "Calculation Date"), the Agent shall determine
      the Dollar Equivalent as of such date. The Dollar Equivalent so determined
      shall become effective on the first Business Day immediately following
      such determination (a "Reset Date") and shall remain effective until the
      next succeeding Reset Date.

            (b) If, on any Reset Date and on the Revolving Credit Loan Maturity
      Date the Dollar Equivalent of the aggregate outstanding amount of all
      Revolving Credit Loans, the Maximum Drawing Amount and all Unpaid
      Reimbursement Obligations exceeds the Total Commitment for three (3) or
      more consecutive Business Days (but only as to the Reset Date), then the
      Borrower shall repay or prepay the Revolving Credit Loans in accordance
      with this Credit Agreement in an aggregate principal amount such that,
      after giving effect thereto, the aggregate outstanding amount (expressed
      in Dollars) of all Revolving Credit Loans plus the Maximum Drawing Amount
<PAGE>
                                      -40-

      and all Unpaid Reimbursement Obligations no longer exceeds the Total
      Commitment (expressed in Dollars).

            (c) Without limiting subsection ss.5.12.2(b), if, on any day prior
      to the Revolving Credit Loan Maturity Date, the aggregate outstanding
      amount (expressed in Dollars) of all Revolving Credit Loans plus the
      Maximum Drawing Amount plus the Unpaid Reimbursement Obligations exceeds
      the Total Commitment by five percent (5%) or more, then (x) the Agent
      shall give notice thereof to the Borrower and the Banks and (y) within two
      (2) Business Days thereafter, the Borrower shall repay or prepay the
      Revolving Credit Loans in accordance with this Credit Agreement in an
      aggregate principal amount such that, after giving effect thereto, the
      aggregate outstanding amount (expressed in Dollars) of all Revolving
      Credit Loans plus the Maximum Drawing Amount and all Unpaid Reimbursement
      Obligations no longer exceeds the Total Commitment (expressed in Dollars).
      Nothing set forth in this ss.5.12.2 shall be construed to require the
      Agent to calculate daily compliance under this ss.5.12.2 unless expressly
      requested to do so by a Bank.

      5.13. European Monetary Union.

      (a) If, as a result of the implementation of the EMU in any country which
has not, as of the date hereof, so implemented the EMU

      (i) such country's currency ceases to be the lawful currency of such
country and is replaced by the Euro as the lawful currency of such nation, or

      (ii) such currency and the Euro are at the same time recognized by the
central bank or comparable authority of such country as lawful currency of such
nation and the Agent or the Majority Banks shall so request or the Borrower
shall so request and the Agent or the Majority Banks shall so consent, in a
notice delivered to the Borrower,

      then:

            (A) any amount payable hereunder by the Banks to the Borrower, or by
the Borrower to the Banks in such local currency shall instead be payable in the
Euro and the amount so payable shall be determined by translating the amount
payable in such currency to the Euro at the exchange rate recognized by the
European Central Bank for the purpose of implementing the EMU; and

            (B) if so specified in the notice delivered under the foregoing
clause (ii) or in any subsequent notice referring to such clause, such local
currency recognized at the same time as the Euro shall no longer be available as
an Optional Currency for purposes of this Credit Agreement, effective at the
expiration of the period of five (5) Business Days following the Borrower's
receipt of such notice. Such notice shall apply to (1) any Revolving Credit Loan
to be made on or after the expiration of such five (5) Business Day period or
(2) any Revolving Credit Loan outstanding at the end of such five (5) Business
Day period and denominated in such
<PAGE>
                                      -41-

Optional Currency, following the expiration of the Interest Period applicable to
such outstanding Revolving Credit Loan at the time of the expiration of such
five (5) Business Day period.

      (b) The Agent may in its discretion by notice to the Banks and the
Borrower:

      (i) modify the definition of "Business Day" to include a principal
financial center of any Participating Member State where Revolving Credit Loans
to bear interest by reference to the Euro Interbank Rate are funded, or any
amounts are or are to be paid in Euros;

      (ii) designate an account or accounts at a bank in a principal financial
center of any Participating Member State for receiving payments to the Agent,
whether for the account of the Agent or for the account of the Banks, in
immediately available funds, in Euros or for disbursing Revolving Credit Loans
to bear interest by reference to the Euro Interbank Rate;

      (iii) designate the date or time for fixing the Euro Interbank Rate for
any Interest Period to be consistent with any practice or convention in the
London interbank market;

      (iv) designate other mechanics for fixing the Euro Interbank Rate to be,
in the reasonable judgment of the Agent, as nearly as may be, consistent with
the mechanics for determining rates for other Optional Currencies (e.g. by
reference to Reuters screen or page) and also consistent with any practice or
convention in the London interbank market (e.g. by reference to a comparable
Reuters screen or page for the Euro);

      (v) designate the period of notice from the Borrower to the Agent required
for the Borrower to borrow any Revolving Credit Loan to be denominated in Euros
or to convert any Revolving Credit Loan denominated in another Optional Currency
to a Revolving Credit Loan denominated in Euros;

      (vi) designate the basis of accrual of interest, fees or other amounts to
be consistent with any practice or convention in the London interbank market
with respect to amounts calculated or payable in Euros;

      (vii) where this Credit Agreement specifies a minimum amount or integral
multiple thereof, designate what the Agent considers a reasonably comparable and
convenient minimum amount and integral multiple for the Euro; and

      (viii) where this Credit Agreement specifies an amount to be paid in an
Optional Currency that is, under the terms of this ss.5.13, to be paid in Euros,
designate a convenient amount in Euros to account for de minimis rounding.

      (c) Section 5.5 shall not apply in the event that the local currency is
not available or an interbank offered rate may not be quoted for such currency,
solely because such currency ceases to be lawful currency of the nation issuing
such currency and is replaced by the Euro as the lawful currency of such nation,
so long
<PAGE>
                                      -42-

as the Euro is available as an Optional Currency and the Euro Interbank Rate may
be quoted for the Euro.

      (d) The Borrower agrees, at the request of the Majority Banks, at the time
of or at any time following the implementation of the EMU in any country after
the Closing Date and within thirty (30) days following such request, to enter
into an agreement amending this Credit Agreement in such manner as the Majority
Banks shall reasonably specify in order further to reflect the implementation of
the EMU and to place the parties hereto in the position they would have been in
had the EMU not been implemented in such country.

      (e) The Borrower agrees, at the request of any Bank, to compensate such
Bank for any reasonable loss, cost, expense or reduction in return that shall be
incurred or sustained by such Bank as a result of the implementation of the EMU
and that would not have been incurred or sustained but for the transactions
provided for herein. A certificate of a Bank setting forth (i) the amount or
amounts necessary to compensate such Bank, (ii) a description of the nature of
the loss or expense sustained or incurred by such Bank as a consequence thereof
and (iii) a reasonably detailed explanation of the calculation thereof shall be
delivered to the Borrower and shall be conclusive absent manifest error. The
Borrower shall pay such Bank the amount shown as due on any such certificate
within ten (10) days after receipt thereof.

      5.14. Lending Office. Each Revolving Credit Loan made by any Bank in an
Optional Currency, and each payment by the Borrower in respect thereof, shall be
made by, or, as the case may be, for the account of, such applicable lending
office of the Agent as the Agent shall designate.

      5.15. Replacement of Banks. If any Bank (an "Affected Bank") (a) makes
demand upon the Borrower for (or if the Borrower is otherwise required to pay)
amounts pursuant to ss.ss.5.7 or 5.8, (b) is unable to make or maintain
Eurocurrency Rate Loans as a result of a condition described in ss.5.6 or (c) is
unable to make any Revolving Credit Loan or issue, extend or renew any Letter of
Credit as described in ss.13.2, the Borrower may, within ninety (90) days of
receipt of such demand, notice (or the occurrence of such other event causing
the Borrower to be required to pay such compensation or causing ss.5.6 or
ss.13.2 to be applicable), or default, as the case may be, by notice (a
"Replacement Notice") in writing to the Agent and such Affected Bank (1) request
the Affected Bank to cooperate with the Borrower in obtaining a replacement bank
satisfactory to the Agent and the Borrower (the "Replacement Bank"); (2) request
the non-Affected Banks to acquire and assume all of the Affected Bank's
Revolving Credit Loans and Commitment, as provided herein, but none of such
Banks shall be under an obligation to do so; or (3) designate a Replacement Bank
which is an Eligible Assignee that is reasonably satisfactory to the Agent. If
any satisfactory Replacement Bank shall be obtained, and/or if any one or more
of the non-Affected Banks shall agree to acquire and assume all of the Affected
Bank's Loans and Commitment, then such Affected Bank shall assign, in accordance
with ss.20, all of its Commitment and Revolving Credit Loans, its Revolving
Credit Note
<PAGE>
                                      -43-

and other rights and obligations under this Credit Agreement and all other Loan
Documents to such Replacement Bank or non-Affected Banks, as the case may be, in
exchange for payment of the principal amount so assigned and all interest and
fees accrued on the amount so assigned, plus all other Obligations then due and
payable to the Affected Bank; provided, however, that (x) such assignment shall
be without recourse, representation or warranty (except as to the Affected
Bank's authority to convey the transferred interests) and shall be on terms and
conditions reasonably satisfactory to such Affected Bank and such Replacement
Bank and/or non-Affected Banks, as the case may be, and (4) prior to any such
assignment, the Borrower shall have paid to such Affected Bank all amounts
properly demanded and unreimbursed under ss.ss.5.7 and 5.8. Upon the effective
date of such assignment, the Borrower shall issue replacement Note(s) to such
Replacement Bank and/or non-Affected Banks, as the case may be, and such
institution shall become a "Bank" for all purposes under this Credit Agreement
and the other Loan Documents.

                                  6. GUARANTY.

      6.1. Guaranty of Payment and Performance. Each of the Parent Companies
hereby jointly and severally guarantees to the Agent and the Banks, the full and
punctual payment when due (whether at stated maturity, by required pre-payment,
by acceleration or otherwise), as well as the performance, of all of the
Obligations including all such which would become due but for the operation of
the automatic stay pursuant to ss.362(a) of the Federal Bankruptcy Code and the
operation of ss.ss.502(b) and 506(b) of the Federal Bankruptcy Code. This
Guaranty is an absolute, unconditional and continuing guaranty of the full and
punctual payment and performance of all of the Obligations and not of their
collectability only and is in no way conditioned upon any requirement that the
Agent or any Bank first attempt to collect any of the Obligations from the
Borrower or resort to any collateral security or other means of obtaining
payment. Should an Event of Default have occurred and be continuing, the
obligations of each Parent Company hereunder with respect to the Obligations
shall, upon demand by the Agent, become immediately due and payable to the
Agent, for the benefit of the Banks and the Agent, without demand or notice of
any nature, all of which are expressly waived by each such Parent Company.
Payments by any Parent Company hereunder may be required by the Agent on any
number of occasions. All payments by the Parent Companies hereunder shall be
made to the Agent, in the manner and at the place of payment specified therefor
in ss.5.3.1 hereof, for the account of the Banks and the Agent.

      6.2. Parent Companies' Agreement to Pay Enforcement Costs, etc. Each of
the Parent Companies further jointly and severally agrees, as the principal
obligor and not as a guarantor only, to pay to the Agent, on written demand, all
reasonable costs and expenses (including court costs and reasonable legal
expenses and either of (but not both) external or internal counsel) incurred or
expended by any Agent or any Bank in connection with the Obligations, this
Guaranty and the enforcement thereof, together with interest on amounts
recoverable under this ss.6 from the time when such amounts become due until
payment, whether before or after judgment, at the rate of interest for overdue
<PAGE>
                                      -44-

principal set forth in ss.5.11 hereof, provided that if such interest exceeds
the maximum amount permitted to be paid under applicable law, then such interest
shall be reduced to such maximum permitted amount.

      6.3. Waivers by the Parent Companies: Banks' Freedom to Act. Each of the
Parent Companies jointly and severally agrees that the Obligations will be paid
and performed strictly in accordance with their respective terms, regardless of
any law, regulation or order now or hereafter in effect in any jurisdiction
affecting any of such terms or the rights of the Agent or any Bank with respect
thereto. Each of the Parent Companies waives promptness, diligence, presentment,
demand, protest, notice of acceptance, notice of any Obligations incurred and
all other notices of any kind, all defenses which may be available by virtue of
any valuation, stay, moratorium law or other similar law now or hereafter in
effect, any right to require the marshalling of assets of the Borrower or any
other entity or other Person primarily or secondarily liable with respect to any
of the Obligations, and all suretyship defenses generally. Without limiting the
generality of the foregoing, each of the Parent Companies agrees to the
provisions of any instrument evidencing, securing or otherwise executed in
connection with any Obligation and agrees that the obligations of such Parent
Company hereunder shall not be released or discharged, in whole or in part, or
otherwise affected by (a) the failure of the Agent or any Bank to assert any
claim or demand or to enforce any right or remedy against the Borrower or any
other entity or other person primarily or secondarily liable with respect to any
of the Obligations; (b) any extensions, compromise, refinancing, consolidation
or renewals of any Obligation; (c) any change in the time, place or manner of
payment of any of the Obligations or any rescissions, waivers, compromise,
refinancing, consolidation or other amendments or modifications of any of the
terms or provisions of this Credit Agreement, the other Loan Documents or any
other agreement evidencing, securing or otherwise executed in connection with
any of the Obligations; (d) the addition, substitution or release of any entity
or other person primarily or secondarily liable for any Obligation; (e) the
adequacy of any rights which the Agent or any Bank may have against any
collateral security or other means of obtaining repayment of any of the
Obligations; (f) the impairment of any Collateral securing any of the
Obligations, including without limitation the failure to perfect or preserve any
rights which the Agent or any Bank might have in such collateral security or the
substitution, exchange, surrender, release, loss or destruction of any such
collateral security; or (g) any other act or omission which might in any manner
or to any extent vary the risk of such Parent Company or otherwise operate as a
release or discharge of such Parent Company (other than the indefeasible payment
in full, in cash, of all of the Obligations and the irrevocable termination of
the Total Commitment), all of which may be done without notice to the Parent
Companies. To the fullest extent permitted by law, each of the Parent Companies
hereby expressly waives any and all rights or defenses arising by reason of (i)
any "one action" or "anti-deficiency" law which would otherwise prevent the
Agent or any Bank from bringing any action, including any claim for a
deficiency, or exercising any other right or remedy (including any right of
set-off), against such Parent Company before or after the Agent's or such Bank's
commencement or completion of any foreclosure action, whether judicially, by
exercise of power of sale
<PAGE>
                                      -45-

or otherwise, or (ii) any other law which in any other way would otherwise
require any election of remedies by the Agent or any Bank.

      6.4. Unenforceability of Obligations Against Borrower. If for any reason
the Borrower has no legal existence or is under no legal obligation to discharge
any of the Obligations, or if any of the Obligations have become irrecoverable
from the Borrower by reason of the Borrower's insolvency, bankruptcy or
reorganization or by other operation of law or for any other reason (other than
the indefeasible payment in full, in cash, of all of the Obligations and the
irrevocable termination of the Total Commitment), to the extent permitted by
law, this Guaranty shall nevertheless be binding on the Parent Companies to the
same extent as if the Parent Companies at all times had been the principal
obligors on all such Obligations. In the event that acceleration of the time for
payment of any of the Obligations is stayed upon the insolvency, bankruptcy or
reorganization of the Borrower, or for any other reason, all such amounts
otherwise subject to acceleration under the terms of this Credit Agreement, the
other Loan Documents or any other agreement evidencing, securing or otherwise
executed in connection with any Obligation shall be immediately due and payable
by the Parent Companies.

      6.5. Subrogation; Subordination.

            6.5.1. Postponement of Rights Against Borrower. Until the
      termination of the Total Commitment and final payment and performance in
      full in cash of all of the Revolving Credit Loans and other accrued
      Obligations: none of the Parent Companies shall exercise any rights
      against the Borrower arising as a result of payment by any Parent Company
      hereunder, by way of subrogation, reimbursement, restitution, contribution
      or otherwise, and will not prove any claim in competition with the Agent
      or any Bank in respect of any payment hereunder in any bankruptcy,
      insolvency or reorganization case or proceedings of any nature; none of
      the Parent Companies will claim any setoff, recoupment or counterclaim
      against the Borrower in respect of any liability of any Parent Company to
      the Borrower; and each of the Parent Companies waives any benefit of and
      any right to participate in any collateral security which may be held by
      the Agent or any Bank.

            6.5.2. Subordination. The payment of any amounts due with respect to
      any indebtedness of the Borrower for money borrowed or credit received now
      or hereafter owed to any Parent Company is hereby subordinated to the
      prior payment in full in cash of all of the Obligations. Each of the
      Parent Companies agrees that, after the occurrence and during the
      continuance of any Event of Default, the Parent Companies will not demand,
      sue for or otherwise attempt to collect any such indebtedness of the
      Borrower to the Parent Companies until all of the Obligations shall have
      been paid in full. If, notwithstanding the foregoing sentence, each of the
      Parent Companies shall collect, enforce or receive any amounts in respect
      of such indebtedness while an Event of Default shall have occurred and be
      continuing, such amounts shall be collected, enforced and received by each
      of
<PAGE>
                                      -46-

      the Parent Companies as trustee for the Banks and the Agent and be paid
      over to the Agent, for the benefit of the Banks and the Agent, on account
      of the Obligations without affecting in any manner the liability of any of
      the Parent Companies under the other provisions of this Guaranty.

            6.5.3. Provisions Supplemental. The provisions of this ss.6.5 shall
      be supplemental to and not in derogation of any rights and remedies of the
      Banks and the Agent under any separate subordination agreement which the
      Agent may at any time and from time to time enter into with any of the
      Parent Companies for the benefit of the Banks and the Agent.

      6.6. Security; Setoff. Each of the Parent Companies grants to the Agent
and the Banks, as security for the full and punctual payment and performance of
all of the Parent Companies' obligations hereunder, a continuing lien on and
security interest in all securities or other property belonging to such Parent
Company now or hereafter held by the Agent or such Bank and in all deposits
(general or special, time or demand, provisional or final) and other sums
credited by or due from the Agent or such Bank to such Parent Company or subject
to withdrawal by such Parent Company. Regardless of the adequacy of any
collateral security or other means of obtaining payment of any of the
Obligations, each of the Agent and the Banks is hereby authorized at any time
and from time to time during the continuance of any payment Default or any Event
of Default, without notice to any Parent Companies (any such notice being
expressly waived by each of the Parent Companies) and to the fullest extent
permitted by law, to set off and apply such deposits and other sums against the
obligations of each of the Parent Companies under this Guaranty, whether or not
the Agent or such Bank shall have made any demand under this Guaranty and
although such obligations may be contingent or unmatured. The Agent and the
Banks shall endeavor to give the Borrower prompt notice, in no event later than
five (5) days after the application of such deposits, of such application,
provided, however, that failure of the Agent or any Bank to give the Borrower
such notice shall not affect any of the Agent's or Banks' rights hereunder.

      6.7. Further Assurances. Each of the Parent Companies agrees that it will
from time to time, at the request of the Agent, do all such things and execute
all such documents as the Agent may reasonably consider necessary or desirable
to give full effect to this Guaranty and to perfect and preserve the rights and
powers of the Banks and the Agent hereunder. Each of the Parent Companies
acknowledges and confirms that it has established its own adequate means of
obtaining from the Borrower on a continuing basis all information desired by it
concerning the financial condition of the Borrower and that it will look to the
Borrower and not to the Agent or any Bank in order for it to keep adequately
informed of changes in any of the Borrower's financial condition.

      6.8. Reinstatement. Notwithstanding any termination of this Guaranty upon
the final payment in full, in cash, of the Obligations, this Guaranty shall
continue to be effective or be reinstated, if at any time any payment made or
value received with respect to any Obligation is rescinded or must otherwise be
returned by the Agent or any Bank upon the insolvency, bankruptcy or
reorganization of the
<PAGE>
                                      -47-

Borrower, or otherwise, all as though such payment had not been made or value
received.

      6.9. Successors and Assigns. This Guaranty shall be binding upon each of
the Parent Companies, its successors and assigns, and shall inure to the benefit
of the Agent and the Banks and their respective successors, and permitted
transferees and assigns. Without limiting the generality of the foregoing
sentence, each Bank may, in accordance with the provisions of ss.20 and subject
to the limitations set forth therein, assign or otherwise transfer this Credit
Agreement, the other Loan Documents or any other agreement or note held by it
evidencing, securing or otherwise executed in connection with the Obligations,
or sell participations in any interest therein, to any other entity or other
person, and such other entity or other person shall thereupon become vested, to
the extent set forth in the agreement evidencing such assignment, transfer or
participation, with all the rights in respect thereof granted to such Bank
herein. None of the Parent Companies may assign any of its obligations hereunder
except as otherwise expressly permitted under this Credit Agreement.

                     7. COLLATERAL SECURITY AND GUARANTIES.

      7.1. Security of Borrower. The Obligations shall be secured by a perfected
first priority security interest (subject only to Permitted Liens entitled to
priority under applicable law) in all of the assets of the Borrower, whether now
owned or hereafter acquired, including all of the stock or other equity
interests of each of its domestic Subsidiaries and up to sixty-five percent
(65%) of the stock or other equity interests in each of its direct foreign
Subsidiaries, pursuant to the terms of the Security Documents to which the
Borrower is a party.

      7.2. Guaranties and Security of Subsidiaries. The Obligations shall also
be guaranteed pursuant to the terms of the Guaranty. The obligations of the
Guarantors under the Guaranty shall be in turn secured by a perfected first
priority security interest (subject only to Permitted Liens entitled to priority
under applicable law) in all of the assets of each such Guarantor, whether now
owned or hereafter acquired, pursuant to the terms of the Security Documents to
which such Guarantor is a party.

                       8. REPRESENTATIONS AND WARRANTIES.

      Each of the Parent Companies and the Borrower represents and warrants to
the Banks and the Agent as follows:

      8.1. Corporate Authority.

            8.1.1. Incorporation; Good Standing. Each of the Parent Companies,
      the Borrower and their Subsidiaries (a) is a corporation, business trust
      or limited liability company, as the case may be, duly organized, validly
      existing and in good standing under the laws of its state or country of
      incorporation or formation, (b) has all requisite power to own its
      property and
<PAGE>
                                      -48-

      conduct its business as now conducted and as presently contemplated, and
      (c) is in good standing as a foreign corporation, business trust, limited
      liability company or similar business entity, as the case may be, and is
      duly authorized to do business in each jurisdiction where such
      qualification is necessary except where a failure to be so qualified would
      not have a materially adverse effect on the business, assets or financial
      condition of such Parent Company, the Borrower or such Subsidiary.

            8.1.2. Authorization. The execution, delivery and performance of
      this Credit Agreement and the other Loan Documents to which any of the
      Parent Companies, the Borrower or any of their Subsidiaries is or is to
      become a party and the transactions contemplated hereby and thereby (a)
      are within the authority of such Person, (b) have been duly authorized by
      all necessary corporate (or similar organizational) proceedings, (c) do
      not conflict with or result in any breach or contravention of any
      provision of law, statute, rule or regulation to which any of the Parent
      Companies, the Borrower or any of their Subsidiaries is subject or any
      judgment, order, writ, injunction, license or permit applicable to any of
      the Parent Companies, the Borrower or any of their Subsidiaries and (d) do
      not conflict with any provision of the corporate charter, memorandum and
      articles of association, or bylaws or similar organization document of, or
      any agreement or other instrument binding upon, any of the Parent
      Companies, the Borrower or any of their Subsidiaries.

            8.1.3. Enforceability. The execution and delivery of this Credit
      Agreement and the other Loan Documents to which any of the Parent
      Companies, the Borrower or any of their Subsidiaries is or is to become a
      party will result in valid and legally binding obligations of such Person
      enforceable against it in accordance with the respective terms and
      provisions hereof and thereof, except as enforceability is limited by
      bankruptcy, insolvency, reorganization, moratorium or other laws relating
      to or affecting generally the enforcement of creditors' rights and except
      to the extent that availability of the remedy of specific performance or
      injunctive relief is subject to the discretion of the court before which
      any proceeding therefor may be brought.

      8.2. Governmental Approvals. The execution, delivery and performance by
any of the Parent Companies, the Borrower and any of their Subsidiaries of this
Credit Agreement and the other Loan Documents to which any of the Parent
Companies, the Borrower or any of their Subsidiaries is or is to become a party
and the transactions contemplated hereby and thereby do not require the approval
or consent, order or authorization of or license by, or giving of notice to, or
taking any other action with respect to, or filing with, any governmental agency
or authority of any jurisdiction, or other fiscal, monetary or other authority
under any provision of any laws or governmental rules, regulations, orders or
decrees of any jurisdiction or the central bank of any jurisdiction or other
fiscal, monetary or other authority under any provision of any laws or
governmental rules, regulations, orders or
<PAGE>
                                      -49-

decrees of any jurisdiction applicable to and binding on such Person other than
those already obtained.

      8.3. Title to Properties; Leases. Except as indicated on Schedule 8.3
hereto, each of the Parent Companies, the Borrower and their Subsidiaries own
all of the assets reflected in the consolidated balance sheet of Digitas and its
Subsidiaries as at the Balance Sheet Date or acquired since that date (except
property and assets sold or otherwise disposed of in the ordinary course of
business since that date), subject to no rights of others, including any
mortgages, leases, conditional sales agreements, title retention agreements,
liens or other encumbrances except Permitted Liens.

      8.4. Financial Statements, Projections and Solvency.

            8.4.1. Fiscal Year. Each of the Parent Companies, the Borrower and
      each of their Subsidiaries has a fiscal year which is the twelve months
      ending on December 31 of each calendar year.

            8.4.2. Financial Statements. There has been furnished to each of the
      Banks a consolidated balance sheet of the Parent Companies, the Borrower
      and their Subsidiaries as at the Balance Sheet Date, and a consolidated
      statement of income of the Parent Companies, the Borrower and their
      Subsidiaries for the fiscal year then ended, certified by Arthur Andersen
      LLP. Such balance sheet and statement of income have been prepared in
      accordance with generally accepted accounting principles and fairly
      present the financial condition of the Parent Companies, the Borrower and
      their Subsidiaries as at the close of business on the date thereof and the
      results of operations for the fiscal year then ended. There are no
      contingent liabilities of or any of the Parent Companies, the Borrower or
      any of their Subsidiaries as of such date involving material amounts,
      known to the officers of the Borrower, which were not disclosed in such
      balance sheet and the notes related thereto.

            8.4.3. Projections. The projections of the annual operating budgets
      of the Parent Companies, the Borrower and their Subsidiaries on a
      consolidated basis, balance sheets and cash flow statements for the 2000
      to 2003 fiscal years, copies of which have been delivered to each Bank,
      disclose all assumptions made in formulating such projections. To the
      knowledge of any of the Parent Companies, the Borrower or any of their
      Subsidiaries, no facts exist that (individually or in the aggregate) could
      reasonably be expected to result in any material change in any of such
      projections taking into account any updates to such projections pursuant
      to ss.9.4(g). The projections are based upon reasonable estimates and
      assumptions, have been prepared on the basis of the assumptions stated
      therein and reflect the reasonable estimates of the Parent Companies, the
      Borrower and their Subsidiaries of the results of operations and other
      information projected therein.
<PAGE>
                                      -50-

            8.4.4. Solvency. The Parent Companies, the Borrower and their
      Subsidiaries, on a consolidated and consolidating basis, both before and
      after giving effect to the transactions contemplated by this Credit
      Agreement and the other Loan Documents (a) are solvent; (b) have assets
      having a fair value in excess of their liabilities; (c) have assets having
      a fair value in excess of the amount required to pay their liabilities on
      existing debts as such debts become due and payable, and (d) have, and
      expect to continue to have, access to adequate capital for the conduct of
      their business and the ability to pay their debts from time to time
      incurred in connection with the operation of their business as such debts
      mature.

      8.5. No Material Changes, etc. Since the Balance Sheet Date there has
occurred no materially adverse change in the financial condition or business of
the Parent Companies, the Borrower and their Subsidiaries as shown on or
reflected in the consolidated balance sheet of the Parent Companies, the
Borrower and their Subsidiaries as at the Balance Sheet Date, or the
consolidated statement of income for the fiscal year then ended, other than
changes in the ordinary course of business that have not had any materially
adverse effect either individually or in the aggregate on the business or
financial condition of any of the Parent Companies, the Borrower or any of their
Subsidiaries. Since the Balance Sheet Date, the Borrower has not made any
Distribution, except as may be permitted by ss.10.4 hereof.

      8.6. Franchises, Patents, Copyrights, etc. Each of the Parent Companies,
Borrower and their Subsidiaries possesses all franchises, patents, copyrights,
trademarks, trade names, licenses and permits, and rights in respect of the
foregoing, adequate for the conduct of its business substantially as now
conducted without known conflict with any rights of others.

      8.7. Litigation. Except as set forth in Schedule 8.7 hereto, there are no
actions, suits, proceedings or investigations of any kind pending or threatened
against any of the Parent Companies, the Borrower or any of their Subsidiaries
before any court, tribunal or administrative agency or board that, if adversely
determined, might, either in any case or in the aggregate, materially adversely
affect the properties, assets, financial condition or business of the Parent
Companies, the Borrower and their Subsidiaries or materially impair the right of
the Parent Companies, the Borrower and their Subsidiaries, considered as a
whole, to carry on business substantially as now conducted by them, or result in
any substantial liability not adequately covered by insurance, or for which
adequate reserves are not maintained on the consolidated balance sheet of the
Parent Companies, the Borrower and their Subsidiaries, or which question the
validity of this Credit Agreement or any of the other Loan Documents, or any
action taken or to be taken pursuant hereto or thereto.

      8.8. No Materially Adverse Contracts, etc. None of the Parent Companies,
the Borrower nor any of their Subsidiaries is subject to any charter, corporate
or other legal restriction, or any judgment, decree, order, rule or regulation
that has or is expected in the future to have a materially adverse effect on the
business, assets or financial condition of any of the Parent Companies, the
<PAGE>
                                      -51-

Borrower or any of their Subsidiaries. None of the Parent Companies, the
Borrower nor any of their Subsidiaries is a party to any contract or agreement
that has or is expected, in the judgment of the Borrower's officers, to have any
materially adverse effect on the business of the Parent Companies, the Borrower
or any of their Subsidiaries.

      8.9. Compliance with Other Instruments, Laws, etc. None of the Parent
Companies, the Borrower nor any of their Subsidiaries is in violation of any
provision of its charter documents, bylaws, or any agreement or instrument to
which it may be subject or by which it or any of its properties may be bound or
any decree, order, judgment, statute, license, rule or regulation, in any of the
foregoing cases in a manner that could result in the imposition of substantial
penalties or materially and adversely affect the financial condition, properties
or business of any of the Parent Companies, the Borrower or any of their
Subsidiaries.

      8.10. Tax Status. The Parent Companies, the Borrower and their
Subsidiaries (a) have made or filed all federal and state income and, if
applicable, foreign income and all other tax returns, reports and declarations
required by any jurisdiction to which any of them is subject, (b) have paid all
taxes and other governmental assessments and charges shown or determined to be
due on such returns, reports and declarations, except those being contested in
good faith and by appropriate proceedings and (c) have set aside on their books
provisions reasonably adequate for the payment of all taxes for periods
subsequent to the periods to which such returns, reports or declarations apply.
There are no unpaid taxes in any material amount claimed to be due by the taxing
authority of any jurisdiction, and the officers of each of the Parent Companies,
the Borrower and their Subsidiaries know of no basis for any such claim.

      8.11. No Event of Default. No Default or Event of Default has occurred and
is continuing.

      8.12. Holding Company and Investment Company Acts. None of the Parent
Companies, the Borrower nor any of their Subsidiaries is a "holding company", or
a "subsidiary company" of a "holding company", or an "affiliate" of a "holding
company", as such terms are defined in the Public Utility Holding Company Act of
1935; nor is it an "investment company", or an "affiliated company" or a
"principal underwriter" of an "investment company", as such terms are defined in
the Investment Company Act of 1940.

      8.13. Absence of Financing Statements, etc. Except with respect to
Permitted Liens, there is no financing statement, security agreement, chattel
mortgage, real estate mortgage or other document filed or recorded with any
filing records, registry or other public office, that purports to cover, affect
or give notice of any present or possible future lien on, or security interest
in, any assets or property of any of the Parent Companies, the Borrower or any
of their Subsidiaries or any rights relating thereto.
<PAGE>
                                      -52-

      8.14. Perfection of Security Interest. All filings, assignments, pledges
and deposits of documents or instruments have been made and all other actions
have been taken that are necessary or advisable, under applicable law, to
establish and perfect (or establish a comparable interest in the case of
Collateral located outside of the United States of America) the Agent's security
interest in the Collateral. The Collateral and the Agent's rights with respect
to the Collateral are not subject to any setoff, claims, withholdings or other
defenses. A Parent Company, the Borrower or a Subsidiary thereof party to one of
the Security Agreements is the owner of the Collateral free from any lien,
security interest, encumbrance and any other claim or demand, except for
Permitted Liens.

      8.15. Certain Transactions. Except for arm's length transactions pursuant
to which any of the Parent Companies, the Borrower or any of their Subsidiaries
makes payments in the ordinary course of business upon terms no less favorable
than the Parent Companies, the Borrower or such Subsidiary could obtain from
third parties, none of the officers, directors, or employees of any of the
Parent Companies, the Borrower or any of their Subsidiaries is presently a party
to any transaction with any of the Parent Companies, the Borrower or any of
their Subsidiaries (other than for services as employees, officers and
directors), including any contract, agreement or other arrangement providing for
the furnishing of services to or by, providing for rental of real or personal
property to or from, or otherwise requiring payments to or from any officer,
director or such employee or, to the knowledge of the Borrower, any corporation,
partnership, trust or other entity in which any officer, director, or any such
employee has a substantial interest or is an officer, director, trustee or
partner.

      8.16. Employee Benefit Plans.

            8.16.1. In General. Except as set forth in Schedule 8.16 hereto,
      each Employee Benefit Plan and each Guaranteed Pension Plan has been
      maintained and operated in compliance in all material respects with the
      provisions of ERISA and, to the extent applicable, the Code, including but
      not limited to the provisions thereunder respecting prohibited
      transactions and the bonding of fiduciaries and other persons handling
      plan funds as required by ss.412 of ERISA. The Borrower has heretofore
      delivered to the Agent the most recently completed annual report, Form
      5500, with all required attachments, and actuarial statement required to
      be submitted under ss.103(d) of ERISA, with respect to each Guaranteed
      Pension Plan.

            8.16.2. Terminability of Welfare Plans. No Employee Benefit Plan,
      which is an employee welfare benefit plan within the meaning of ss.3(1) or
      ss.3(2)(B) of ERISA, provides benefit coverage subsequent to termination
      of employment, except as required by Title I, Part 6 of ERISA or the
      applicable state insurance laws. The Borrower may terminate each such Plan
      at any time (or at any time subsequent to the expiration of any applicable
      bargaining agreement) in the discretion of the Borrower without liability
      to any Person other than for claims arising prior to termination.
<PAGE>
                                      -53-

            8.16.3. Guaranteed Pension Plans. Each contribution required to be
      made to a Guaranteed Pension Plan, whether required to be made to avoid
      the incurrence of an accumulated funding deficiency, the notice or lien
      provisions of ss.302(f) of ERISA, or otherwise, has been timely made. No
      waiver of an accumulated funding deficiency or extension of amortization
      periods has been received with respect to any Guaranteed Pension Plan, and
      neither the Borrower nor any ERISA Affiliate is obligated to or has posted
      security in connection with an amendment to a Guaranteed Pension Plan
      pursuant to ss.307 of ERISA or ss.401(a)(29) of the Code. No liability to
      the PBGC (other than required insurance premiums, all of which have been
      paid) has been incurred by the Borrower or any ERISA Affiliate with
      respect to any Guaranteed Pension Plan and there has not been any ERISA
      Reportable Event (other than an ERISA Reportable Event as to which the
      requirement of 30 days notice has been waived), or any other event or
      condition which presents a material risk of termination of any Guaranteed
      Pension Plan by the PBGC. Based on the latest valuation of each Guaranteed
      Pension Plan (which in each case occurred within twelve months of the date
      of this representation), and on the actuarial methods and assumptions
      employed for that valuation, the aggregate benefit liabilities of all such
      Guaranteed Pension Plans within the meaning of ss.4001 of ERISA did not
      exceed the aggregate value of the assets of all such Guaranteed Pension
      Plans, disregarding for this purpose the benefit liabilities and assets of
      any Guaranteed Pension Plan with assets in excess of benefit liabilities,
      by more than $100,000.

            8.16.4. Multiemployer Plans. None of the Parent Companies, the
      Borrower nor any ERISA Affiliate has incurred any material liability
      (including secondary liability) to any Multiemployer Plan as a result of a
      complete or partial withdrawal from such Multiemployer Plan under ss.4201
      of ERISA or as a result of a sale of assets described in ss.4204 of ERISA.
      None of the Parent Companies, the Borrower nor any ERISA Affiliate has
      been notified that any Multiemployer Plan is in reorganization or
      insolvent under and within the meaning of ss.4241 or ss.4245 of ERISA or
      is at risk of entering reorganization or becoming insolvent, or that any
      Multiemployer Plan intends to terminate or has been terminated under
      ss.4041A of ERISA.

      8.17. Use of Proceeds.

            8.17.1. General. The proceeds of the Revolving Credit Loans shall be
      used for working capital, Capital Expenditures, Permitted Acquisitions and
      general corporate purposes. The Borrower will obtain Letters of Credit
      solely for working capital purposes and to secure rental obligations owing
      to landlords of the Parent Companies, the Borrower or any of their
      Subsidiaries.

            8.17.2. Regulations U and X. No portion of any Revolving Credit Loan
      is to be used, and no portion of any Letter of Credit is to be obtained,
      for the purpose of purchasing or carrying any "margin security" or "margin
<PAGE>
                                      -54-

      stock" as such terms are used in Regulations U and X of the Board of
      Governors of the Federal Reserve System, 12 C.F.R. Parts 221 and 224.

            8.17.3. Ineligible Securities. No portion of the proceeds of any
      Revolving Credit Loans is to be used, and no portion of any Letter of
      Credit is to be obtained, for the purpose of knowingly purchasing, or
      providing credit support for the purchase of, during the underwriting or
      placement period or within 30 days thereafter, any Ineligible Securities
      underwritten or privately placed by a Section 20 Subsidiary.

      8.18. Environmental Compliance. To the best of the Borrower's knowledge:

            (a) none of the Parent Companies, the Borrower, their Subsidiaries
      or any operator of the Real Estate or any operations thereon is in
      violation, or alleged violation, of any judgment, decree, order, law,
      license, rule or regulation pertaining to environmental matters, including
      without limitation, those arising under the Resource Conservation and
      Recovery Act ("RCRA"), the Comprehensive Environmental Response,
      Compensation and Liability Act of 1980 as amended ("CERCLA"), the
      Superfund Amendments and Reauthorization Act of 1986 ("SARA"), the Federal
      Clean Water Act, the Federal Clean Air Act, the Toxic Substances Control
      Act, or any state or local statute, regulation, ordinance, order or decree
      relating to health, safety or the environment (hereinafter "Environmental
      Laws"), which violation would have a material adverse effect on the
      environment or the business, assets or financial condition of the Borrower
      or any of its Subsidiaries;

            (b) none of the Parent Companies, the Borrower nor any of their
      Subsidiaries has received notice from any third party including, without
      limitation, any federal, state or local governmental authority, (i) that
      any one of them has been identified by the United States Environmental
      Protection Agency ("EPA") as a potentially responsible party under CERCLA
      with respect to a site listed on the National Priorities List, 40 C.F.R.
      Part 300 Appendix B; (ii) that any hazardous waste, as defined by 42
      U.S.C. ss.6903(5), any hazardous substances as defined by 42 U.S.C.
      ss.9601(14), any pollutant or contaminant as defined by 42 U.S.C.
      ss.9601(33) and any toxic substances, oil or hazardous materials or other
      chemicals or substances regulated by any Environmental Laws ("Hazardous
      Substances") which any one of them has generated, transported or disposed
      of has been found at any site at which a federal, state or local agency or
      other third party has conducted or has ordered that any Parent Company,
      the Borrower or any of their Subsidiaries conduct a remedial
      investigation, removal or other response action pursuant to any
      Environmental Law; or (iii) that it is or shall be a named party to any
      claim, action, cause of action, complaint, or legal or administrative
      proceeding (in each case, contingent or otherwise) arising out of any
      third party's incurrence of costs, expenses, losses or damages of any kind
      whatsoever in connection with the release of Hazardous Substances;
<PAGE>
                                      -55-

            (c) except as set forth on Schedule 8.18 attached hereto: (i) no
      portion of the Real Estate has been used for the handling, processing,
      storage or disposal of Hazardous Substances except in accordance with
      applicable Environmental Laws; and no underground tank or other
      underground storage receptacle for Hazardous Substances is located on any
      portion of the Real Estate; (ii) in the course of any activities conducted
      by the Parent Companies, the Borrower, their Subsidiaries or operators of
      its properties, no Hazardous Substances have been generated or are being
      used on the Real Estate except in accordance with applicable Environmental
      Laws; (iii) there have been no releases (i.e. any past or present
      releasing, spilling, leaking, pumping, pouring, emitting, emptying,
      discharging, injecting, escaping, disposing or dumping) or threatened
      releases of Hazardous Substances on, upon, into or from the properties of
      the Parent Companies, the Borrower or their Subsidiaries, which releases
      would have a material adverse effect on the value of any of the Real
      Estate or adjacent properties or the environment; (iv) there have been no
      releases on, upon, from or into any real property in the vicinity of any
      of the Real Estate which, through soil or groundwater contamination, may
      have come to be located on, and which would have a material adverse effect
      on the value of, the Real Estate; and (v) in addition, any Hazardous
      Substances that have been generated on any of the Real Estate have been
      transported offsite only by carriers having an identification number
      issued by the EPA, treated or disposed of only by treatment or disposal
      facilities maintaining valid permits as required under applicable
      Environmental Laws, which transporters and facilities have been and are,
      to the best of the Borrower's knowledge, operating in compliance with such
      permits and applicable Environmental Laws; and

            (d) none of the Parent Companies, the Borrower and their
      Subsidiaries or any of the Real Estate is subject to any applicable
      environmental law requiring the performance of Hazardous Substances site
      assessments, or the removal or remediation of Hazardous Substances, or the
      giving of notice to any governmental agency or the recording or delivery
      to other Persons of an environmental disclosure document or statement by
      virtue of the transactions set forth herein and contemplated hereby, or as
      a condition to the effectiveness of any other transactions contemplated
      hereby.

      8.19. Subsidiaries, etc. Schedule 8.19(a) sets forth the Subsidiaries of
Digitas. Except as set forth on Schedule 8.19(b) hereto, none of the Parent
Companies, the Borrower nor any of their Subsidiaries is engaged in any joint
venture or partnership with any other Person.

      8.20. Bank Accounts. Schedule 8.20 sets forth the account numbers and
location of all bank accounts of any of the Parent Companies, the Borrower or
any of their Subsidiaries.

      8.21. Disclosure. None of this Credit Agreement or any of the other Loan
Documents contains any untrue statement of a material fact or omits to state a
material fact (known to any of the Parent Companies, the Borrower or any of
their
<PAGE>
                                      -56-

Subsidiaries in the case of any document or information not furnished by it or
any of its Subsidiaries) necessary in order to make the statements herein or
therein not misleading. There is no fact known to any of the Parent Companies,
the Borrower or any of their Subsidiaries which materially adversely affects, or
which is reasonably likely in the future to materially adversely affect, the
business, assets, financial condition or prospects of any of the Parent
Companies, the Borrower or any of their Subsidiaries, exclusive of effects
resulting from changes in general economic conditions, legal standards or
regulatory conditions.

      8.22. No Filing, Recording Required. Each of the Parent Companies, the
Borrower and their Subsidiaries represents and warrants to the Banks that no
filing, recording or enrolling of this Credit Agreement or any other Loan
Document is required to ensure the legality, validity, enforceability or
admissibility in evidence of this Credit Agreement or any other Loan Document.

      8.23. No Withholding, Etc. None of the Parent Companies, the Borrower nor
their Subsidiaries is required by the laws of any jurisdiction to make any
deduction or withholding of any nature whatsoever from any payment to be made by
it hereunder unless disclosed in writing to the Agent and such deductions or
withholdings are not, in the Agent's reasonable discretion, material. Neither
this Credit Agreement nor any of the Loan Documents is subject to any
registration or stamp tax or any other similar or like taxes payable in any
jurisdiction.

                    9. AFFIRMATIVE COVENANTS OF THE BORROWER.

      Each of the Parent Companies and the Borrower covenants and agrees that,
so long as any Revolving Credit Loan, Unpaid Reimbursement Obligation, Letter of
Credit or Revolving Credit Note is outstanding or any Bank has any obligation to
make any Revolving Credit Loans or the Agent has any obligation to issue, extend
or renew any Letters of Credit:

      9.1. Punctual Payment. The Borrower will duly and punctually pay or cause
to be paid the principal and interest on the Revolving Credit Loans, all
Reimbursement Obligations, the Letter of Credit Fees, the Commitment Fees, the
Agent's fee and all other amounts provided for in this Credit Agreement and the
other Loan Documents to which the Borrower or any of its Subsidiaries is a
party, all in accordance with the terms of this Credit Agreement and such other
Loan Documents.

      9.2. Maintenance of Office. The Borrower will maintain its chief executive
office in Boston, MA, or at such other place in the United States of America as
the Borrower shall designate upon written notice to the Agent, where notices,
presentations and demands to or upon the Borrower in respect of the Loan
Documents to which the Borrower is a party may be given or made.
<PAGE>
                                      -57-

      9.3. Records and Accounts. Each of the Parent Companies and the Borrower
will (a) keep, and cause each of their Subsidiaries to keep, true and accurate
records and books of account in which full, true and correct entries will be
made in accordance with generally accepted accounting principles, (b) maintain
adequate accounts and reserves for all taxes (including income taxes),
depreciation, depletion, obsolescence and amortization of its properties and the
properties of their Subsidiaries, contingencies, and other reserves, and (c) at
all times engage Arthur Andersen LLP or other independent certified public
accountants satisfactory to the Agent as the independent certified public
accountants of the Parent Companies, the Borrower and their Subsidiaries and
will not permit more than thirty (30) days to elapse between the cessation of
such firm's (or any successor firm's) engagement as the independent certified
public accountants of the Parent Companies, the Borrower and their Subsidiaries
and the appointment in such capacity of a successor firm as shall be
satisfactory to the Agent.

      9.4. Financial Statements, Certificates and Information. The Borrower will
deliver to each of the Banks:

            (a) as soon as practicable, but in any event not later than one
      hundred twenty (120) days after the end of each fiscal year of the
      Borrower, the consolidated balance sheet of the Parent Companies, the
      Borrower and their Subsidiaries and the consolidating balance sheet of the
      Parent Companies, the Borrower and their Subsidiaries, each as at the end
      of such year, and the related consolidated statement of income and
      consolidated statement of cash flow and consolidating statement of income
      and consolidating statement of cash flow for such year, each setting forth
      in comparative form the figures for the previous fiscal year and all such
      consolidated and consolidating statements to be in reasonable detail,
      prepared in accordance with generally accepted accounting principles, and
      certified, without qualification and without an expression of uncertainty
      as to the ability of any of the Parent Companies, the Borrower or any of
      their Subsidiaries to continue as going concerns, by Arthur Andersen LLP
      or by other independent certified public accountants reasonably
      satisfactory to the Agent;

            (b) as soon as practicable, but in any event not later than
      forty-five (45) days after the end of each of the first three fiscal
      quarters of the Borrower in each fiscal year, copies of the unaudited
      consolidated balance sheet of the Parent Companies, the Borrower and their
      Subsidiaries and the unaudited consolidating balance sheet of the Borrower
      and its Subsidiaries, each as at the end of such quarter, and the related
      consolidated statement of income and consolidated statement of cash flow
      and consolidating statement of income and consolidating statement of cash
      flow for the portion of the Borrower's fiscal year then elapsed, all in
      reasonable detail and prepared in accordance with generally accepted
      accounting principles, together with a certification by the principal
      financial or accounting officer of the Borrower that the information
      contained in such financial statements fairly presents
<PAGE>
                                      -58-

      the financial position of the Borrower and its Subsidiaries on the date
      thereof (subject to year-end adjustments and the exclusion of footnotes);

            (c) simultaneously with the delivery of the financial statements
      referred to in subsections (a) and (b) above, a statement certified by the
      principal financial or accounting officer of the Borrower in substantially
      the form of Exhibit D hereto and setting forth in reasonable detail
      computations evidencing compliance with the covenants contained in ss.11
      and (if applicable) reconciliations to reflect changes in generally
      accepted accounting principles since the Balance Sheet Date;

            (d) contemporaneously with the filing or mailing thereof, copies of
      all material of a financial nature filed by Digitas with the Securities
      and Exchange Commission or sent to the stockholders of the Borrower;

            (e) as soon as practicable, but in any event not later than
      forty-five (45) days after the end of each fiscal year, the Borrower's
      annual budget for then current fiscal year;

            (f) simultaneously with the receipt thereof, copies of any
      accountants' management letters received by any of the Parent Companies,
      the Borrower or any of their Subsidiaries; and

            (g) from time to time such other financial data and information
      (including updated projections) as the Agent may reasonably request or as
      the Borrower may provide to the Agent.

      9.5. Notices.

            9.5.1. Defaults. The Borrower will promptly notify the Agent and
      each of the Banks in writing of the occurrence of any Default or Event of
      Default. If any Person shall give any notice or take any other action in
      respect of a claimed default (whether or not constituting an Event of
      Default) under this Credit Agreement or any other note, evidence of
      indebtedness, indenture or other obligation to which or with respect to
      which any of the Parent Companies, the Borrower or any of their
      Subsidiaries is a party or obligor, whether as principal, guarantor,
      surety or otherwise, the Borrower shall forthwith give written notice
      thereof to the Agent and each of the Banks, describing the notice or
      action and the nature of the claimed default.

            9.5.2. Environmental Events. The Borrower will promptly give notice
      to the Agent and each of the Banks (a) of any violation of any
      Environmental Law that any of the Parent Companies, the Borrower or any of
      their Subsidiaries reports in writing or is reportable by such Person in
      writing (or for which any written report supplemental to any oral report
      is made) to any federal, state or local environmental agency and (b) upon
      becoming aware thereof, of any inquiry, proceeding, investigation, or
      other action, including a notice from any agency of potential
      environmental
<PAGE>
                                      -59-

      liability, of any federal, state or local environmental agency or board,
      that has the potential to materially affect the assets, liabilities,
      financial conditions or operations of any of the Parent Companies, the
      Borrower or any of their Subsidiaries, or the Agent's security interests
      pursuant to the Security Documents.

            9.5.3. Notification of Claim against Collateral. The Borrower will,
      immediately upon becoming aware thereof, notify the Agent and each of the
      Banks in writing of any setoff, claims (including, with respect to the
      Real Estate, environmental claims), withholdings or other defenses to
      which any of the Collateral, or the Agent's rights with respect to the
      Collateral, are subject.

            9.5.4. Notice of Litigation and Judgments. Each of the Parent
      Companies and the Borrower will, and will cause each of their Subsidiaries
      to, give notice to the Agent and each of the Banks in writing within
      fifteen (15) days of becoming aware of any litigation or proceedings
      threatened in writing or any pending litigation and proceedings affecting
      any of the Parent Companies, the Borrower or any of their Subsidiaries or
      to which any of the Parent Companies, the Borrower or any of their
      Subsidiaries is or becomes a party involving an uninsured claim against
      any of the Parent Companies, the Borrower or any of their Subsidiaries
      that could reasonably be expected to have a materially adverse effect on
      any of the Parent Companies, the Borrower or any of their Subsidiaries and
      stating the nature and status of such litigation or proceedings. Each of
      the Parent Companies, the Borrower will, and will cause each of their
      Subsidiaries to, give notice to the Agent and each of the Banks, in
      writing, in form and detail satisfactory to the Agent, within ten (10)
      days of any judgment not covered by insurance, final or otherwise, against
      any of the Parent Companies, the Borrower or any of their Subsidiaries in
      an amount in excess of $500,000.

      9.6. Corporate Existence; Maintenance of Properties. Each of the Parent
Companies and the Borrower will do or cause to be done all things necessary to
preserve and keep in full force and effect its legal existence, rights and
franchises and those of their Subsidiaries and will not, and will not cause or
permit any of their Subsidiaries to, change its current legal form. They (a)
will cause all of their properties and those of their Subsidiaries used or
useful in the conduct of their business or the business of their Subsidiaries to
be maintained and kept in good condition, repair and working order and supplied
with all necessary equipment, (b) will cause to be made all necessary repairs,
renewals, replacements, betterments and improvements thereof, all as in the
judgment of the Borrower may be necessary so that the business carried on in
connection therewith may be properly and advantageously conducted at all times,
and (c) will, and will cause each of their Subsidiaries to, continue to engage
primarily in the businesses now conducted by them and in related businesses;
provided that nothing in this ss.9.6 shall prevent any of the Parent Companies
or the Borrower from discontinuing the operation and maintenance of any of their
properties or any of those of their Subsidiaries if such discontinuance is, in
the judgment of the Parent Companies and the Borrower,
<PAGE>
                                      -60-

desirable in the conduct of their or their business and that do not in the
aggregate materially adversely affect the business of the Parent Companies, the
Borrower and their Subsidiaries on a consolidated basis.

      9.7. Insurance. Each of the Parent Companies and the Borrower will, and
will cause each of their Subsidiaries to, maintain with financially sound and
reputable insurers insurance with respect to their properties and business
against such casualties and contingencies as shall be in accordance with the
general practices of businesses engaged in similar activities in similar
geographic areas and in amounts, containing such terms, in such forms and for
such periods as may be reasonable and prudent and in accordance with the terms
of the Security Agreements.

      9.8. Taxes. Each of the Parent Companies and the Borrower will, and will
cause each of their Subsidiaries to, duly pay and discharge, or cause to be paid
and discharged, before the same shall become overdue, all taxes, assessments and
other governmental charges imposed upon it and its real properties, sales and
activities, or any part thereof, or upon the income or profits therefrom, as
well as all claims for labor, materials, or supplies that if unpaid might by law
become a lien or charge upon any of its property; provided that any such tax,
assessment, charge, levy or claim need not be paid if the validity or amount
thereof shall currently be contested in good faith by appropriate proceedings
and if any Parent Company, the Borrower or such Subsidiary shall have set aside
on its books adequate reserves with respect thereto; and provided further that
each Parent Company, the Borrower and each of their Subsidiaries will pay all
such taxes, assessments, charges, levies or claims forthwith upon the
commencement of proceedings to foreclose any lien that may have attached as
security therefor.

      9.9. Inspection of Properties and Books, etc.

            9.9.1. General. Each of the Parent Companies and the Borrower shall
      permit the Banks, through the Agent or any of the Banks' other designated
      representatives, during normal business hours and, so long as no Event of
      Default shall have occurred and be continuing, upon at least ten (10) days
      prior written notice from the Agent, to visit and inspect any of any of
      the Parent Companies the properties of any of the Parent Companies, the
      Borrower or any of their Subsidiaries, to examine the books of account of
      Parent Companies and the Borrower and their Subsidiaries (and to make
      copies thereof and extracts therefrom), and to discuss the affairs,
      finances and accounts of the Parent Companies, and the Borrower and their
      Subsidiaries with, and to be advised as to the same by, its and their
      officers, all at such reasonable times and intervals as the Agent or any
      Bank may reasonably request.

            9.9.2. Communications with Accountants. Each of Digitas and the
      Borrower on behalf of themselves and their Subsidiaries authorizes the
      Agent and, if accompanied by the Agent, the Banks and, so long as no
      Default or Event of Default shall have occurred and be continuing, upon at
      least ten
<PAGE>
                                      -61-

      (10) days prior written notice from the Agent, to communicate directly
      with Digitas' and/or the Borrower's independent certified public
      accountants and authorizes such accountants to disclose to the Agent and
      the Banks any and all financial statements and other supporting financial
      documents and schedules including copies of any management letter with
      respect to the business, financial condition and other affairs of any of
      the Parent Companies, the Borrower or any of their Subsidiaries. At the
      request of the Agent, the Borrower shall deliver a letter addressed to
      such accountants instructing them to comply with the provisions of this
      ss.9.9.2.

      9.10. Compliance with Laws, Contracts, Licenses, and Permits. Each of the
Parent Companies and the Borrower will, and will cause each of their
Subsidiaries to, comply with (a) the applicable laws and regulations wherever
its business is conducted, including all Environmental Laws, (b) the provisions
of its charter documents and by-laws, (c) all agreements and instruments by
which it or any of its properties may be bound and (d) all applicable decrees,
orders, and judgments. If any authorization, consent, approval, permit or
license from any officer, agency or instrumentality of any government shall
become necessary or required in order that any of the Parent Companies, the
Borrower or any of their Subsidiaries may fulfill any of its obligations
hereunder or any of the other Loan Documents to which the Parent Companies, the
Borrower or such Subsidiary is a party, each of the Parent Companies and the
Borrower will, or (as the case may be) will cause such Subsidiary to,
immediately take or cause to be taken all reasonable steps within the power of
the Parent Companies, the Borrower or such Subsidiary to obtain such
authorization, consent, approval, permit or license and furnish the Agent and
the Banks with evidence thereof.

      9.11. Employee Benefit Plans. The Borrower will (a) promptly upon filing
the same with the Department of Labor or Internal Revenue Service furnish to the
Agent a copy of the most recent actuarial statement required to be submitted
under ss.103(d) of ERISA and Annual Report, Form 5500, with all required
attachments, in respect of each Guaranteed Pension Plan and (b) promptly upon
receipt or dispatch, furnish to the Agent any notice, report or demand sent or
received in respect of a Guaranteed Pension Plan under ss.ss.302, 4041, 4042,
4043, 4063, 4065, 4066 and 4068 of ERISA, or in respect of a Multiemployer Plan,
under ss.ss.4041A, 4202, 4219, 4242, or 4245 of ERISA.

      9.12. Use of Proceeds. The Borrower will use the proceeds of the Loans
solely for working capital, Capital Expenditures, Permitted Acquisitions and
general corporate purposes. The Borrower will obtain Letters of Credit solely
for working capital purposes and to secure rental obligations owing to landlords
of the Parent Companies, the Borrower or any of their Subsidiaries.

      9.13. Bank Accounts. Each of the Parent Companies and the Borrower will,
and will cause each of their domestic Subsidiaries to, together with the
employees, agents and other Persons acting on behalf of any Parent Company, the
Borrower or such Subsidiary, receive and hold in trust for the Agent and the
Banks all payments constituting proceeds of Accounts Receivable or other
Collateral which
<PAGE>
                                      -62-

come into their possession or under their control and, immediately upon receipt
thereof, deposit such payments in the form received, with any appropriate
endorsements, in one of the accounts designated as a depositary account on
Schedule 8.20.

      9.14. New Guarantors. Each of the Parent Companies and the Borrower will
cause each of their domestic Subsidiaries created, acquired or otherwise
existing, on or after the Closing Date to immediately become a Guarantor and
shall cause such Subsidiary to execute and deliver to the Agent, for the benefit
of the Agent and the Banks, (a) a Guaranty, and (b) further Security Documents
or other instruments and documents as the Agent may require in order to grant to
the Agent a first priority perfected security interest in such Subsidiary's
assets (subject only to Permitted Liens entitled to priority under applicable
law), together with legal opinions in form and substance satisfactory to the
Agent to be delivered to the Agent and the Banks opining as to authorization
validity and enforceability of such Guaranty and Security Documents and (as to
the applicable Security Documents) the perfection of such Security interests.

      9.15. Additional Subsidiaries. If, after the Closing Date, any of the
Parent Companies, the Borrower or any of their Subsidiaries creates or acquires,
either directly or indirectly, any Subsidiary, it will immediately notify the
Agent of such creation or acquisition, as the case may be, and provide the Agent
with an updated Schedule 8.19(a) and take all other actions required by ss.9.14
hereof.

      9.16. Replacement Instruments. Upon receipt of an affidavit and statement
of indemnification of an officer of the Agent or any Bank as to the loss, theft,
destruction or mutilation of any Revolving Credit Note or other Security
Document, and, in the case of any such loss, theft, destruction or mutilation,
upon cancellation of such Revolving Credit Note, the Borrower shall issue, in
lieu thereof, a replacement Revolving Credit Note or Security Document, as the
case may be, in the same principal amount thereof and otherwise of like tenor.

      9.17. Landlord Consents. Each of the Parent Companies and the Borrower
will, and will cause each of their domestic Subsidiaries to, execute and deliver
to the Agent no later than thirty (30) days after the Closing Date, and with
respect to any Subsidiary acquired or formed after the Closing Date, on the date
of such acquisition or formation, a landlord consent, in form and substance
satisfactory to the Agent, with respect to each property leased by a Parent
Company, the Borrower and such Subsidiaries at which such Person maintains it
books and records.

      9.18. Further Assurances. Each of the Parent Companies and the Borrower
will, and will cause each of their Subsidiaries to, cooperate with the Banks and
the Agent and execute such further instruments and documents as the Banks or the
Agent shall reasonably request to carry out to their satisfaction the
transactions contemplated by this Credit Agreement and the other Loan Documents.
<PAGE>
                                      -63-

                 10. CERTAIN NEGATIVE COVENANTS OF THE BORROWER.

      Each of the Parent Companies and the Borrower covenants and agrees that,
so long as any Revolving Credit Loan, Unpaid Reimbursement Obligation, Letter of
Credit or Revolving Credit Note is outstanding or any Bank has any obligation to
make any Revolving Credit Loans or the Agent has any obligations to issue,
extend or renew any Letters of Credit:

      10.1. Restrictions on Indebtedness. Each of the Parent Companies and the
Borrower will not, and will not permit any of their Subsidiaries to, create,
incur, assume, guarantee or be or remain liable, contingently or otherwise, with
respect to any Indebtedness other than:

            (a) Indebtedness to the Banks and the Agent arising under any of the
      Loan Documents;

            (b) endorsements for collection, deposit or negotiation and
      warranties of products or services, in each case incurred in the ordinary
      course of business;

            (c) Subordinated Debt;

            (d) Indebtedness incurred in connection with the acquisition after
      the date hereof of any real or personal property by the Parent Companies,
      the Borrower or such Subsidiary, provided that the principal amount of all
      such Indebtedness of the Parent Companies, the Borrower and their
      Subsidiaries shall not exceed the aggregate amount of $1,000,000 at any
      one time;

            (e) Indebtedness existing on the date hereof and listed and
      described on Schedule 10.1 hereto;

            (f) Indebtedness to any Bank in connection with any derivative
      contract (as defined in clause (i) of the definition of Indebtedness)
      provided by such Bank to the Borrower;

            (g) unsecured Indebtedness incurred in connection with foreign
      exchange contracts or letter of credit facilities provided by lending
      institutions other than the Agent to any Subsidiary of the Borrower or to
      the Borrower, provided that the principal amount of all such Indebtedness
      shall not exceed the aggregate amount of $5,000,000 at any one time;

            (h) unsecured Indebtedness in connection with any derivative
      contract provided by a third party to the Borrower;

            (i) Indebtedness incurred by the Parent Companies, the Borrower or
      any of their Subsidiaries under any Capitalized Leases, provided that the
      principal amount of all such Indebtedness of the Parent Companies, the
      Borrower and their Subsidiaries shall not exceed the aggregate amount of
      $35,000,000 at any one time; and
<PAGE>
                                      -64-

            (j) Indebtedness of any Guarantor to the Borrower or to another
      Guarantor which is a Subsidiary of the Borrower or of the Borrower to any
      Guarantor so long as such Guarantor remains a Guarantor hereunder, has
      otherwise complied with the provisions of ss.8.14 hereof and remains a
      Subsidiary of the Borrower.

      10.2. Restrictions on Liens. Each of the Parent Companies and the Borrower
will not, and will not permit any of their Subsidiaries to, (a) create or incur
or suffer to be created or incurred or to exist any lien, encumbrance, mortgage,
pledge, charge, restriction or other security interest of any kind upon any of
its property or assets of any character whether now owned or hereafter acquired,
or upon the income or profits therefrom; (b) transfer any of such property or
assets or the income or profits therefrom for the purpose of subjecting the same
to the payment of Indebtedness or performance of any other obligation in
priority to payment of its general creditors; (c) acquire, or agree or have an
option to acquire, any property or assets upon conditional sale or other title
retention or purchase money security agreement, device or arrangement; (d)
suffer to exist for a period of more than thirty (30) days after the same shall
have been incurred any Indebtedness or claim or demand against it that if unpaid
might by law or upon bankruptcy or insolvency, or otherwise, be given any
priority whatsoever over its general creditors; (e) sell, assign, pledge or
otherwise transfer any "receivables" as defined in clause (g) of the definition
of the term "Indebtedness," with or without recourse; or (f) enter into or
permit to exist any arrangement or agreement, enforceable under applicable law,
which directly or indirectly prohibits any Parent Company, the Borrower or any
of their Subsidiaries from creating or incurring any lien, encumbrance,
mortgage, pledge, charge, restriction or other security interest other than in
favor of the Agent for the benefit of the Banks and the Agent under the Loan
Documents and other than customary anti-assignment provisions in agreements
entered into by any Parent Company, the Borrower or such Subsidiary in the
ordinary course of its business, provided that any of the Parent Companies, the
Borrower or any of their Subsidiaries may create or incur or suffer to be
created or incurred or to exist:

            (i) liens in favor of the Borrower on all or part of the assets of
      Subsidiaries of the Borrower securing Indebtedness owing by Subsidiaries
      of the Borrower to the Borrower;

            (ii) liens to secure taxes, assessments and other government charges
      in respect of obligations not overdue or liens to secure claims for labor,
      material or supplies in respect of obligations not overdue;

            (iii) deposits or pledges made in connection with, or to secure
      payment of, workmen's compensation, unemployment insurance, old age
      pensions or other social security obligations;

            (iv) liens on properties in respect of judgments or awards that have
      been in force for less than the applicable period for taking an appeal so
      long as execution is not levied thereunder or in respect of which the
      Parent Companies, the Borrower or such Subsidiary shall at the time in
      good faith
<PAGE>
                                      -65-

      be prosecuting an appeal or proceedings for review and in respect of which
      a stay of execution shall have been obtained pending such appeal or
      review;

            (v) liens of carriers, warehousemen, mechanics and materialmen, and
      other like liens on properties in existence less than 120 days from the
      date of creation thereof in respect of obligations not overdue;

            (vi) encumbrances on Real Estate consisting of easements, rights of
      way, zoning restrictions, restrictions on the use of real property and
      defects and irregularities in the title thereto, landlord's or lessor's
      liens under leases to which a Parent Company, the Borrower or a Subsidiary
      thereof is a party, and other minor liens or encumbrances none of which in
      the opinion of the Borrower interferes materially with the use of the
      property affected in the ordinary conduct of the business of the Parent
      Company, the Borrower and their Subsidiaries, which defects do not
      individually or in the aggregate have a materially adverse effect on the
      business of any of the Parent Companies or the Borrower individually or of
      the Parent Companies, the Borrower and their Subsidiaries on a
      consolidated basis;

            (vii) liens existing on the date hereof and listed on Schedule 10.2
      hereto;

            (viii) liens to secure Capitalized Lease obligations to the extent
      permitted by ss.10.1(i);

            (ix) purchase money security interests in or purchase money
      mortgages on real or personal property acquired after the date hereof to
      secure purchase money Indebtedness of the type and amount permitted by
      ss.10.1(d), incurred in connection with the acquisition of such property,
      which security interests or mortgages cover only the real or personal
      property so acquired; and

            (x) liens and negative pledges in favor of the Agent for the benefit
      of the Banks and the Agent under the Loan Documents.

      10.3. Restrictions on Investments. Each of the Parent Companies and the
Borrower will not, and will not permit any of their Subsidiaries to, make or
permit to exist or to remain outstanding any Investment except Investments in:

            (a) marketable direct or guaranteed obligations of the United States
      of America that mature within one (1) year from the date of purchase by
      the Borrower;

            (b) demand deposits, certificates of deposit, bankers acceptances
      and time deposits of United States banks having total assets in excess of
      $1,000,000,000;

            (c) securities commonly known as "commercial paper" issued by a
      corporation organized and existing under the laws of the United States of
<PAGE>
                                      -66-

      America or any state thereof that at the time of purchase have been rated
      and the ratings for which are not less than "P 1" if rated by Moody's
      Investors Service, Inc., and not less than "A 1" if rated by Standard and
      Poor's Rating Group;

            (d) Investments existing on the date hereof and listed on Schedule
      10.3 hereto and renewals and replacements thereof;

            (e) Investments with respect to Indebtedness permitted by ss.10.1(j)
      so long as such entities remain Subsidiaries of the Borrower and remain a
      Guarantor hereunder;

            (f) equity Investments in companies other than Subsidiaries,
      provided that (i) no Default or Event of Default shall have occurred and
      be continuing at the time of the making of such Investments or result
      after giving effect thereto, (ii) no proceeds of any Revolving Credit Loan
      shall be used for the making of such Investments and (iii) the amount of
      all such Investments shall not exceed $15,000,000 in the aggregate during
      the term of this Credit Agreement;

            (g) Investments (i) consisting of the Guaranty, (ii) by the Borrower
      or any Guarantor in a Guarantor, so long as such Guarantor remains a
      Guarantor and a Subsidiary of the Borrower hereunder, (iii) by any Parent
      Company in the Borrower or in any Guarantor so long as such Guarantor
      remains a Guarantor hereunder, and (iv) by a Subsidiary of the Borrower in
      the Borrower, provided that, with respect to clauses (ii) through (iv) to
      the extent applicable, the Borrower and each such Guarantor shall have
      complied with the provisions of ss.7 hereof;

            (h) Investments by the Borrower, any Parent Company or any other
      Guarantor in foreign Subsidiaries of the Borrower, provided that (i) no
      Default or Event of Default shall have occurred and be continuing at the
      time of the making of such Investment or result after giving effect
      thereto and (ii) the amount of all such Investments shall not exceed
      $5,000,000 in the aggregate during the term of this Credit Agreement; and

            (i) Investments consisting of loans and advances to employees for
      moving, entertainment, travel and other similar expenses in the ordinary
      course of business not to exceed $50,000 in the aggregate at any time
      outstanding;

provided, however, that, with the exception of demand deposits referred to in
ss.10.3(b) and loans and advances referred to in ss.10.3(h), such Investments
will be considered Investments permitted by this ss.10.3 only if all actions
have been taken to the reasonable satisfaction of the Agent to provide to the
Agent, for the benefit of the Banks and the Agent, a first priority perfected
security interest in all of such Investments free of all encumbrances other than
Permitted Liens.
<PAGE>
                                      -67-

      10.4. Restricted Payments. None of the Parent Companies, the Borrower nor
any Subsidiary thereof will make any Restricted Payment, provided, however,
notwithstanding anything to the contrary contained in this Credit Agreement, so
long as no Default or Event of Default has occurred and is continuing or would
exist as a result thereof, (a) any Subsidiary of the Borrower shall be permitted
to make Restricted Payments to the Borrower and (b) the Borrower shall be
permitted to make Restricted Payments to Digitas (i) to permit Digitas to pay
income, franchise and other taxes and governmental levies owed or payable by
Digitas or any other Parent Company, provided such Restricted Payment shall not
be made more than five (5) Business Days prior to the date such payments are
paid by Digitas or (ii) to permit Digitas to pay ordinary course expenses of
Digitas or any other Parent Company, provided such Restricted Payment shall not
be made more than five (5) Business Days prior to the date such payments are
paid by Digitas and shall not exceed $300,000 in the aggregate in any fiscal
year.

      10.5. Merger, Consolidation and Disposition of Assets.

            10.5.1. Mergers and Acquisitions. Each of the Parent Companies and
      the Borrower will not, and will not permit any of their Subsidiaries to,
      become a party to any merger or consolidation, or agree to or effect any
      asset acquisition or stock acquisition (other than the acquisition of
      assets in the ordinary course of business consistent with past practices)
      except (a) the merger or consolidation of one or more of the Subsidiaries
      of the Borrower with and into the Borrower, (b) the merger or
      consolidation of two or more domestic Subsidiaries of the Borrower, (c)
      the merger or consolidation of two or more foreign Subsidiaries of the
      Borrower, and (d) Permitted Acquisitions by the Borrower or any domestic
      Subsidiary, provided that (i) not less than twenty (20) Business Days
      prior to the closing of each such Permitted Acquisition, the Agent shall
      have received written notice thereof along with financial information in
      form and substance satisfactory to the Agent with respect to the business
      or entity to be acquired and (ii) the aggregate total purchase price of
      all such Permitted Acquisitions shall not exceed $20,000,000.

            10.5.2. Disposition of Assets. Each of the Parent Companies and the
      Borrower will not, and will not permit any of their Subsidiaries to,
      become a party to or agree to or effect any disposition of assets, other
      than the sale of inventory, the licensing of intellectual property and the
      disposition of obsolete assets or assets no longer used or useful in the
      business of such Parent Company, the Borrower or such Subsidiary, in each
      case in the ordinary course of business consistent with past practices.

      10.6. Sale and Leaseback. Each of the Parent Companies and the Borrower
will not, and will not permit any of their Subsidiaries to, enter into any
arrangement, directly or indirectly, whereby any Parent Company, the Borrower or
any Subsidiary thereof shall sell or transfer any property owned by it in order
then or thereafter to lease such property or lease other property that any
Parent
<PAGE>
                                      -68-

Company, the Borrower or any Subsidiary thereof intends to use for substantially
the same purpose as the property being sold or transferred.

      10.7. Compliance with Environmental Laws. Each of the Parent Companies and
the Borrower will not, and will not permit any of their Subsidiaries to, (a) use
any of the Real Estate or any portion thereof for the handling, processing,
storage or disposal of Hazardous Substances, (b) cause or permit to be located
on any of the Real Estate any underground tank or other underground storage
receptacle for Hazardous Substances, (c) generate any Hazardous Substances on
any of the Real Estate, (d) conduct any activity at any Real Estate or use any
Real Estate in any manner so as to cause a release (i.e. releasing, spilling,
leaking, pumping, pouring, emitting, emptying, discharging, injecting, escaping,
leaching, disposing or dumping) or threatened release of Hazardous Substances
on, upon or into the Real Estate or (e) otherwise conduct any activity at any
Real Estate or use any Real Estate in any manner that would violate any
Environmental Law or bring such Real Estate in violation of any Environmental
Law.

      10.8. Subordinated Debt. Each of the Parent Companies and the Borrower
will not, and will not permit any of their Subsidiaries to, amend, supplement or
otherwise modify the subordination terms of any of the Subordinated Debt or
amend, supplement or otherwise modify any other terms of the Subordinated Debt
in a manner which could reasonably be expected to be adverse to the Banks or
prepay, redeem or repurchase any of the Subordinated Debt unless such Person has
obtained the prior written consent of the Banks.

      10.9. Upstream Limitations. Each of the Parent Companies and the Borrower
will not, and will not permit any of their Subsidiaries to, enter into any
agreement, contract or arrangement (other than the Credit Agreement and the
other Loan Documents) restricting the ability of any Subsidiary to pay or make
dividends or distributions in cash or kind to the Borrower, to make loans,
advances or other payments of whatsoever nature to the Borrower, or to make
transfer or distributions of all or any part of its assets to the Borrower.

      10.10. Employee Benefit Plans. Neither the Borrower nor any ERISA
Affiliate will

            (a) engage in any "prohibited transaction" within the meaning of
      ss.406 of ERISA or ss.4975 of the Code which could result in
      a material liability for the Borrower or any of its Subsidiaries; or

            (b) permit any Guaranteed Pension Plan to incur an "accumulated
      funding deficiency", as such term is defined in ss.302 of ERISA,
      whether or not such deficiency is or may be waived; or

            (c) fail to contribute to any Guaranteed Pension Plan to an extent
      which, or terminate any Guaranteed Pension Plan in a manner which, could
      result in the imposition of a lien or encumbrance on the assets of the
      Borrower or any of its Subsidiaries pursuant to ss.302(f) or ss.
      4068 of ERISA; or
<PAGE>
                                      -69-

            (d) amend any Guaranteed Pension Plan in circumstances requiring
      the posting of security pursuant to ss.307 of ERISA or ss.
      401(a)(29) of the Code; or

            (e) permit or take any action which would result in the aggregate
      benefit liabilities (with the meaning of ss.4001 of ERISA) of all
      Guaranteed Pension Plans exceeding the value of the aggregate assets of
      such Plans, disregarding for this purpose the benefit liabilities and
      assets of any such Plan with assets in excess of benefit liabilities, by
      more than the amount set forth in ss.8.16.3.

      10.11. Business Activities. Each of the Parent Companies and the Borrower
will not, and will not permit any of their Subsidiaries to, engage directly or
indirectly (whether through Subsidiaries or otherwise) in any type of business
other than the businesses conducted by them on the Closing Date and in related
businesses.

      10.12. Fiscal Year. Each of the Parent Companies and the Borrower will
not, and will not permit any of their Subsidiaries to, change the date of the
end of its fiscal year from that set forth in ss.8.4.1.

      10.13. Transactions with Affiliates. Each of the Parent Companies and the
Borrower will not, and will not permit any of their Subsidiaries to, engage in
any transaction with any Affiliate (other than for services as employees,
officers and directors), including any contract, agreement or other arrangement
providing for the furnishing of services to or by, providing for rental of real
or personal property to or from, or otherwise requiring payments to or from any
such Affiliate or, to the knowledge of any Parent Company or the Borrower, any
corporation, partnership, trust or other entity in which any such Affiliate has
a substantial interest or is an officer, director, trustee or partner, on terms
more favorable to such Person than would have been obtainable on an arm's-length
basis in the ordinary course of business.

      10.14. Bank Accounts. Each of the Parent Companies and the Borrower will
not, and will not permit any of their domestic Subsidiaries to, (a) establish
any bank accounts other than those accounts listed on Schedule 8.20 without at
least ten (10) Business Days' prior written notice to the Agent of the opening
of such proposed account and compliance with the immediately succeeding sentence
of this ss.10.14, (b) violate directly or indirectly any agency account
agreement or other basic agency or lock box agreement in favor of the Agent for
the benefit of the Banks and the Agent with respect to such account, or (c)
deposit into any of the payroll accounts listed on Schedule 8.20 any amounts in
excess of amounts necessary to pay current payroll obligations from such
accounts. With respect to all investment or depository accounts listed on
Schedule 8.20 and maintained with financial institutions other than Fleet, each
of the Parent Companies, the Borrower or their domestic Subsidiaries, as the
case may be, and each such financial institution shall have executed and
delivered to the Agent no later than forty-five (45) days after the Closing
Date, or if established after such date, simultaneously with the opening of
<PAGE>
                                      -70-

such account, an agency account agreement, in form and substance satisfactory to
the Banks, pursuant to which such financial institution shall have agreed, upon
each request of the Agent, to transfer to the Agent on behalf of the Banks and
the Agent all funds held in such account.

      10.15. Inconsistent Agreements. Each of the Parent Companies and the
Borrower will not, and will not permit any of their Subsidiaries to, enter into
any agreement containing any provision which would be violated or breached by
the performance by any Parent Company, the Borrower or any of their Subsidiaries
of their respective obligations hereunder or under any of the Loan Documents.

      10.16. Modification of Documents and Charter Documents. Each of the Parent
Companies and the Borrower will not, nor will it permit any of their
Subsidiaries to, consent to or agree to any amendment, supplement or other
modification to the Capitalization Documents without the prior written consent
of the Agent unless such amendment, supplement or modification would not have
any material adverse effect on the Agent's or the Bank's rights under the Loan
Documents or the Borrower's or any of its Subsidiaries' obligations under the
Loan Documents.

                    11. FINANCIAL COVENANTS OF THE BORROWER.

      The Borrower covenants and agrees that, so long as any Revolving Credit
Loan, Unpaid Reimbursement Obligation, Letter of Credit or Revolving Credit Note
is outstanding or any Bank has any obligation to make any Revolving Credit Loans
or the Agent has any obligation to issue, extend or renew any Letters of Credit:

      11.1. Leverage Ratio. The Borrower will not, as of the last day of any
fiscal quarter, permit the Leverage Ratio for such fiscal quarter to exceed
2.50:1.00.

      11.2. Minimum EBITDA. The Borrower will not, as of the end of any
Reference Period, permit the consolidated EBITDA of the Borrower and its
Subsidiaries for such Reference Period to be less than $20,000,000.

      11.3. Fixed Charge Coverage Ratio. The Borrower will not, during any
Reference Period, permit the ratio of (a) consolidated EBITDA of the Parent
Companies, the Borrower and their Subsidiaries for the Reference Period, minus
the sum of (i) Capital Expenditures made during such Reference Period, (ii) cash
taxes paid during such Reference Period and (iii) Dividends paid or accrued
during such Reference Period to (b) the sum of (i) Consolidated Total Interest
Expense for such Reference Period and (ii) all scheduled payments of principal
on Indebtedness of the Parent Companies, the Borrower and their Subsidiaries
(including, without limitation, the principal component of Capitalized Lease
payments) made or required to be made in such Reference Period, but excluding
any interest that was required to be paid or accrued and any scheduled payments
of principal on Indebtedness made prior to the effective date of a Permitted
Acquisition by the Person acquired in connection with such Permitted
Acquisition, to be less than 1.50:1.00.
<PAGE>
                                      -71-

                             12. CLOSING CONDITIONS.

      The obligations of the Banks to make the initial Revolving Credit Loans
and the Term Loan and of the Agent to issue any initial Letters of Credit shall
be subject to the satisfaction of the following conditions precedent:

      12.1. Loan Documents Each of the Loan Documents shall have been duly
executed and delivered by the respective parties thereto, shall be in full force
and effect and shall be in form and substance satisfactory to each of the Banks.
Each Bank shall have received a fully executed copy of each such document.

      12.2. Certified Copies of Charter Documents. Each of the Banks shall have
received from each of the Parent Companies, the Borrower and each of their
Subsidiaries a copy, certified by a duly authorized officer of such Person to be
true and complete on the Closing Date, of each of (a) its charter or other
incorporation documents as in effect on such date of certification, and (b) its
by-laws as in effect on such date.

      12.3. Corporate Action. All corporate action necessary for the valid
execution, delivery and performance by the Borrower and each of the Guarantors
of this Credit Agreement and the other Loan Documents to which it is or is to
become a party shall have been duly and effectively taken, and evidence thereof
satisfactory to the Banks shall have been provided to each of the Banks.

      12.4. Incumbency Certificate. Each of the Banks shall have received from
each of the Parent Companies, the Borrower and each Guarantor an incumbency
certificate, dated as of the Closing Date, signed by a duly authorized officer
of the Borrower or such Guarantor, and giving the name and bearing a specimen
signature of each individual who shall be authorized: (a) to sign, in the name
and on behalf of each of the Borrower or such Guarantor, each of the Loan
Documents to which the Borrower or such Guarantor is or is to become a party;
(b) in the case of the Borrower, to make Loan Requests and Conversion Requests
and to apply for Letters of Credit; and (c) to give notices and to take other
action on its behalf under the Loan Documents.

      12.5. Validity of Liens. The Security Documents shall be effective to
create in favor of the Agent a legal, valid and enforceable first (except for
Permitted Liens entitled to priority under applicable law) security interest in
and lien upon the Collateral. All filings, recordings, deliveries of instruments
and other actions necessary or desirable in the opinion of the Agent to protect
and preserve such security interests shall have been duly effected. The Agent
shall have received evidence thereof in form and substance satisfactory to the
Agent.

      12.6. Perfection Certificates and UCC Search Results. The Agent shall have
received from the Borrower and each Guarantor a completed and fully executed
Perfection Certificate and the results of UCC searches with respect to the
Collateral, indicating no liens other than Permitted Liens and otherwise in form
and substance satisfactory to the Agent.
<PAGE>
                                      -72-

      12.7. Certificates of Insurance. The Agent shall have received (a) a
certificate of insurance from an independent insurance broker dated as of the
Closing Date, identifying insurers, types of insurance, insurance limits, and
policy terms, and otherwise describing the insurance obtained in accordance
with the provisions of the Security Agreements and (b) certified copies of all
policies evidencing such insurance (or certificates therefore signed by the
insurer or an agent authorized to bind the insurer).

      12.8. Replacement Letter of Credit. The Borrower shall have replaced the
letter of credit issued to ______ by US Bank under the Borrower's senior credit
facility in existence prior to the Closing Date with a Letter of Credit, and if
required by the beneficiary thereof, confirmed by Wells Fargo.

      12.9. Solvency Certificate. Each of the Banks shall have received an
officer's certificate of the Borrower dated as of the Closing Date as to the
solvency of the Parent Companies, the Borrower and their Subsidiaries following
the consummation of the transactions contemplated herein and in form and
substance satisfactory to the Banks.

      12.10. Opinion of Counsel. Each of the Banks and the Agent shall have
received a favorable legal opinion addressed to the Banks and the Agent, dated
as of the Closing Date, in form and substance satisfactory to the Banks and the
Agent, from Ropes & Gray, counsel to the Parent Companies, the Borrower and
their Subsidiaries.

      12.11. Payment of Fees. The Borrower shall have paid to the Banks or the
Agent, as appropriate, the closing fee pursuant to ss.5.1.

      12.12. Payoff Letter. The Agent shall have received a payoff letter from
Bankers Trust Company, as agent under the Borrower's senior credit facility
prior to the Closing Date, indicating the amount of the loan obligations of the
Borrower to the lenders under such senior credit facility to be discharged on
the Closing Date and an acknowledgment by Bankers Trust Company that upon
receipt of such funds it will forthwith execute and deliver to the Agent for
filing all termination statements and take such other actions as may be
necessary to discharge all mortgages, deeds of trust and security interests
granted by the Borrower or any of its Subsidiaries in favor of the Lenders and
the agent under such senior credit facility.

                        13. CONDITIONS TO ALL BORROWINGS.

      The obligations of the Banks to make any Revolving Credit Loan, including
the Revolving Credit Loan, and of the Agent to issue, extend or renew any Letter
of Credit, in each case whether on or after the Closing Date, shall also be
subject to the satisfaction of the following conditions precedent:

      13.1. Representations True; No Event of Default. Each of the
representations and warranties of any of the Parent Companies, the Borrower and
<PAGE>
                                      -73-

their Subsidiaries contained in this Credit Agreement, the other Loan Documents
or in any document or instrument delivered pursuant to or in connection with
this Credit Agreement shall be true as of the date as of which they were made
and shall also be true at and as of the time of the making of such Revolving
Credit Loan or the issuance, extension or renewal of such Letter of Credit, with
the same effect as if made at and as of that time (except to the extent of
changes resulting from transactions contemplated or permitted by this Credit
Agreement and the other Loan Documents and changes occurring in the ordinary
course of business that singly or in the aggregate are not materially adverse,
and to the extent that such representations and warranties relate expressly to
an earlier date) and no Default or Event of Default shall have occurred and be
continuing.

      13.2. No Legal Impediment. No change shall have occurred in any law or
regulations thereunder or interpretations thereof that in the reasonable opinion
of any Bank would make it illegal for such Bank to make such Revolving Credit
Loan or to participate in the issuance, extension or renewal of such Letter of
Credit or in the reasonable opinion of the Agent would make it illegal for the
Agent to issue, extend or renew such Letter of Credit.

      13.3. Governmental Regulation. Each Bank shall have received such
statements in substance and form reasonably satisfactory to such Bank as such
Bank shall require for the purpose of compliance with any applicable regulations
of the Comptroller of the Currency or the Board of Governors of the Federal
Reserve System.

      13.4. Proceedings and Documents. All proceedings in connection with the
transactions contemplated by this Credit Agreement, the other Loan Documents and
all other documents incident thereto shall be satisfactory in substance and in
form to the Banks and to the Agent and the Agent's Special Counsel, and the
Banks, the Agent and such counsel shall have received all information and such
counterpart originals or certified or other copies of such documents as the
Agent may reasonably request.

      13.5. Exchange Limitations. There exists no reason whatsoever, including
without limitation, by reason of the application of any so-called "currency
exchange" laws or regulations (as in effect at the time of any proposed
borrowing hereunder) which could reasonably be expected to interfere with the
Borrower satisfying any of its Obligations hereunder in full at such time as
such Obligations become due and payable pursuant to the terms hereof.

                    14. EVENTS OF DEFAULT; ACCELERATION; ETC.

      14.1. Events of Default and Acceleration. If any of the following events
("Events of Default" or, if the giving of notice or the lapse of time or both is
required, then, prior to such notice or lapse of time, "Defaults") shall occur:
<PAGE>
                                      -74-

            (a) the Borrower shall fail to pay any principal of the Revolving
      Credit Loans or any Reimbursement Obligation when the same shall become
      due and payable, whether at the stated date of maturity or any accelerated
      date of maturity or at any other date fixed for payment;

            (b) the Borrower or any of its Subsidiaries shall fail to pay any
      interest on the Revolving Credit Loans, the Commitment Fee, any Letter of
      Credit Fee, the Agent's fee, or other sums due hereunder or under any of
      the other Loan Documents, when the same shall become due and payable,
      whether at the stated date of maturity or any accelerated date of maturity
      or at any other date fixed for payment within five (5) days of the due
      date thereof;

            (c) the Borrower shall fail to comply with any of its covenants
      contained in ss.9.4, the first sentence of 9.6, 9.9.1, 10.1-10.6,
      10.8, 10.16, or 11;

            (d) any of the Parent Companies, the Borrower or any of their
      Subsidiaries shall fail to perform any term, covenant or agreement
      contained herein or in any of the other Loan Documents (other than those
      specified elsewhere in this ss.14.1) for twenty (20) days after
      written notice of such failure has been given to the Borrower by the
      Agent;

            (e) any representation or warranty of any of the Parent Companies,
      the Borrower or any of their Subsidiaries in this Credit Agreement or any
      of the other Loan Documents or in any other document or instrument
      delivered pursuant to or in connection with this Credit Agreement shall
      prove to have been false in any material respect upon the date when made
      or deemed to have been made or repeated;

            (f) any of the Parent Companies, the Borrower or any of their
      Subsidiaries shall fail to pay at maturity, or within any applicable
      period of grace, any obligation for borrowed money or credit received or
      in respect of any Capitalized Leases or Synthetic Leases in excess of
      $1,000,000, or fail to observe or perform any material term, covenant or
      agreement contained in any agreement by which it is bound, evidencing or
      securing borrowed money or credit received or in respect of any
      Capitalized Leases or Synthetic Leases for such period of time as would
      permit (assuming the giving of appropriate notice if required) the holder
      or holders thereof or of any obligations issued thereunder to accelerate
      the maturity thereof, or any such holder or holders shall rescind or shall
      have a right to rescind the purchase of any such obligations;

            (g) any of the Parent Companies, the Borrower or any of their
      Subsidiaries shall make an assignment for the benefit of creditors, or
      admit in writing its inability to pay or generally fail to pay its debts
      as they mature or become due, or shall petition or apply for the
      appointment of a trustee or other custodian, liquidator or receiver of any
      of the Parent Companies, the
<PAGE>
                                      -75-

      Borrower or any of their Subsidiaries or of any substantial part of the
      assets of any of the Parent Companies, the Borrower or any of their
      Subsidiaries or shall commence any case or other proceeding relating to
      any of the Parent Companies, the Borrower or any of their Subsidiaries
      under any bankruptcy, reorganization, arrangement, insolvency,
      readjustment of debt, dissolution or liquidation or similar law of any
      jurisdiction, now or hereafter in effect, or shall take any action to
      authorize or in furtherance of any of the foregoing, or if any such
      petition or application shall be filed or any such case or other
      proceeding shall be commenced against any of the Parent Companies, the
      Borrower or any of their Subsidiaries and any of the Parent Companies, the
      Borrower or any of their Subsidiaries shall indicate its approval thereof,
      consent thereto or acquiescence therein or such petition or application
      shall not have been dismissed within forty-five (45) days following the
      filing thereof;

            (h) a decree or order is entered appointing any such trustee,
      custodian, liquidator or receiver or adjudicating any of the Parent
      Companies, the Borrower or any of their Subsidiaries bankrupt or
      insolvent, or approving a petition in any such case or other proceeding,
      or a decree or order for relief is entered in respect of any Parent
      Company, the Borrower or any such Subsidiary in an involuntary case under
      federal bankruptcy laws as now or hereafter constituted;

            (i) there shall remain in force, undischarged, unsatisfied and
      unstayed, for more than thirty days, whether or not consecutive, any final
      judgment against any of the Parent Companies, the Borrower or any of their
      Subsidiaries that, with other outstanding final judgments, undischarged,
      against the Borrower or any of its Subsidiaries exceeds in the aggregate
      $1,000,000 excluding any portion covered by insurance;

            (j) (i) the holders of all or any part of the Subordinated Debt
      shall accelerate the maturity of all or any part of the Subordinated Debt
      or (ii) the Subordinated Debt shall be prepaid, redeemed or repurchased in
      whole or in part;

            (k) if any of the Loan Documents shall be cancelled, terminated,
      revoked or rescinded or the Agent's security interests, mortgages or liens
      in a substantial portion of the Collateral shall cease to be perfected, or
      shall cease to have the priority contemplated by the Security Documents,
      in each case otherwise than in accordance with the terms thereof or with
      the express prior written agreement, consent or approval of the Banks, or
      any action at law, suit or in equity or other legal proceeding to cancel,
      revoke or rescind any of the Loan Documents shall be commenced by or on
      behalf of the Borrower or any of its Subsidiaries party thereto or any of
      their respective stockholders, or any court or any other governmental or
      regulatory authority or agency of competent jurisdiction shall make a
      determination that, or issue a judgment, order, decree or ruling to the
      effect that, any one or more of the Loan
<PAGE>
                                      -76-

      Documents is illegal, invalid or unenforceable in accordance with the
      terms thereof;

            (l) the Borrower or any ERISA Affiliate incurs any liability to the
      PBGC or a Guaranteed Pension Plan pursuant to Title IV of ERISA in an
      aggregate amount exceeding $500,000, or the Borrower or any ERISA
      Affiliate is assessed withdrawal liability pursuant to Title IV of ERISA
      by a Multiemployer Plan requiring aggregate annual payments exceeding
      $500,000, or any of the following occurs with respect to a Guaranteed
      Pension Plan: (i) an ERISA Reportable Event, or a failure to make a
      required installment or other payment (within the meaning of ss.
      302(f)(1) of ERISA), provided that the Agent determines in its reasonable
      discretion that such event (A) could be expected to result in liability
      of the Borrower or any of its Subsidiaries to the PBGC or such Guaranteed
      Pension Plan in an aggregate amount exceeding $500,000 and (B) could
      constitute grounds for the termination of such Guaranteed Pension Plan by
      the PBGC, for the appointment by the appropriate United States District
      Court of a trustee to administer such Guaranteed Pension Plan or for the
      imposition of a lien in favor of such Guaranteed Pension Plan; or (ii) the
      appointment by a United States District Court of a trustee to administer
      such Guaranteed Pension Plan; or (iii) the institution by the PBGC of
      proceedings to terminate such Guaranteed Pension Plan;

            (m) the Borrower or any of its Subsidiaries shall be enjoined,
      restrained or in any way prevented by the order of any court or any
      administrative or regulatory agency from conducting any material part of
      its business and such order shall continue in effect for more than thirty
      (30) days;

            (n) there shall occur any material damage to, or loss, theft or
      destruction of, any Collateral, whether or not insured, or any strike,
      lockout, labor dispute, embargo, condemnation, act of God or public enemy,
      or other casualty, which in any such case causes, for more than thirty
      (30) consecutive days, the cessation or substantial curtailment of revenue
      producing activities at any facility of any of the Parent Companies, the
      Borrower or any of their Subsidiaries if such event or circumstance is not
      covered by business interruption insurance and would have a material
      adverse effect on the business or financial condition of any Parent
      Company, the Borrower or such Subsidiary;

            (o) there shall occur the loss, suspension or revocation of, or
      failure to renew, any license or permit now held or hereafter acquired by
      any of the Parent Companies, the Borrower or any of their Subsidiaries if
      such loss, suspension, revocation or failure to renew would have a
      material adverse effect on the business or financial condition of any
      Parent Company, the Borrower or such Subsidiary;
<PAGE>
                                      -77-

            (p) any of the Parent Companies, the Borrower or any of their
      Subsidiaries shall be indicted for a state or federal crime, or any civil
      or criminal action shall otherwise have been brought against any of the
      Parent Companies, the Borrower or any of their Subsidiaries, a punishment
      for which in any such case could include the forfeiture of any assets of
      any Parent Company, the Borrower or such Subsidiary included having a fair
      market value in excess of $500,000; or

            (q) Digitas shall at any time, legally or beneficially own directly
      or indirectly less than 100% of the shares of the common stock or other
      equity interests of each of its Subsidiaries, except with respect to any
      foreign Subsidiary, if such 100% ownership is not permitted by the laws of
      the jurisdiction of its incorporation or formation, less than the sum of
      (i) 100% of the shares of the common stock or other equity interests of
      each of such foreign Subsidiaries minus (ii) the minimum number of shares
      required to comply with applicable law; or

            (r) any person or group of persons (within the meaning of ss.13
      or 14 of the Securities Exchange Act of 1934, as amended) shall have
      acquired after the Closing Date beneficial ownership (within the meaning
      of Rule 13d-3 promulgated by the Securities and Exchange Commission under
      said Act) of twenty percent (20%) or more of the outstanding shares of
      common stock of Digitas;

then, and in any such event, so long as the same may be continuing, the Agent
may, and upon the request of the Majority Banks shall, by notice in writing to
the Borrower declare all amounts owing with respect to this Credit Agreement,
the Revolving Credit Notes and the other Loan Documents and all Reimbursement
Obligations to be, and they shall thereupon forthwith become, immediately due
and payable without presentment, demand, protest or other notice of any kind,
all of which are hereby expressly waived by the Borrower; provided that in the
event of any Event of Default specified in ss.14.1(g), 14.1(h) or
14.1(j)(i), all such amounts shall become immediately due and payable
automatically and without any requirement of notice from the Agent or any Bank.

      14.2. Termination of Commitments. If any one or more of the Events of
Default specified in ss.14.1(g), ss.14.1(h) or ss.14.1(j)(i)
shall occur, any unused portion of the credit hereunder shall forthwith
terminate and each of the Banks shall be relieved of all further obligations
to make Revolving Credit Loans to the Borrower and the Agent shall be
relieved of all further obligations to issue, extend or renew Letters of
Credit. If any other Event of Default shall have occurred and be continuing,
the Agent may and, upon the request of the Majority Banks, shall, by notice
to the Borrower, terminate the unused portion of the credit hereunder, and
upon such notice being given such unused portion of the credit hereunder
shall terminate immediately and each of the Banks shall be relieved of all
further obligations to make Loans and the Agent shall be relieved of all
further obligations to issue, extend or renew Letters of Credit. No
termination of the credit hereunder shall relieve the Borrower or any of its
Subsidiaries of any of the Obligations. <PAGE>
      -78-

      14.3. Remedies. In case any one or more of the Events of Default shall
have occurred and be continuing, and whether or not the Banks shall have
accelerated the maturity of the Revolving Credit Loans pursuant to ss.
14.1, each Bank, if owed any amount with respect to the Revolving Credit
Loans or the Reimbursement Obligations, may, with the consent of the Majority
Banks but not otherwise, proceed to protect and enforce its rights by suit in
equity, action at law or other appropriate proceeding, whether for the
specific performance of any covenant or agreement contained in this Credit
Agreement and the other Loan Documents or any instrument pursuant to which
the Obligations to such Bank are evidenced, including as permitted by
applicable law the obtaining of the ex parte appointment of a receiver, and,
if such amount shall have become due, by declaration or otherwise, proceed to
enforce the payment thereof or any other legal or equitable right of such
Bank. No remedy herein conferred upon any Bank or the Agent or the holder of
any Revolving Credit Note or purchaser of any Letter of Credit Participation
is intended to be exclusive of any other remedy and each and every remedy
shall be cumulative and shall be in addition to every other remedy given
hereunder or now or hereafter existing at law or in equity or by statute or
any other provision of law.

      14.4. Distribution of Collateral Proceeds. In the event that, following
the occurrence or during the continuance of any Default or Event of Default, the
Agent or any Bank, as the case may be, receives any monies in connection with
the enforcement of any the Security Documents, or otherwise with respect to the
realization upon any of the Collateral, such monies shall be distributed for
application as follows:

            (a) First, to the payment of, or (as the case may be) the
      reimbursement of the Agent for or in respect of all reasonable costs,
      expenses, disbursements and losses which shall have been incurred or
      sustained by the Agent in connection with the collection of such monies by
      the Agent, for the exercise, protection or enforcement by the Agent of all
      or any of the rights, remedies, powers and privileges of the Agent under
      this Credit Agreement or any of the other Loan Documents or in respect of
      the Collateral or in support of any provision of adequate indemnity to the
      Agent against any taxes or liens which by law shall have, or may have,
      priority over the rights of the Agent to such monies;

            (b) Second, to all other Obligations in such order or preference as
      the Majority Banks may determine; provided, however, that (i)
      distributions shall be made (A) pari passu among Obligations with respect
      to the Agent's fee payable pursuant to ss.5.2 and all other
      Obligations and (B) with respect to each type of Obligation owing to the
      Banks, such as interest, principal, fees and expenses, among the Banks
      pro rata, and (ii) the Agent may in its discretion make proper allowance
      to take into account any Obligations not then due and payable;

            (c) Third, upon payment and satisfaction in full or other provisions
      for payment in full satisfactory to the Banks and the Agent of all of the
      Obligations, to the payment of any obligations required to be paid
      pursuant
<PAGE>
                                      -79-

      to ss.9-504(1)(c) of the Uniform Commercial Code of the Commonwealth
      of Massachusetts; and

            (d) Fourth, the excess, if any, shall be returned to the Borrower or
      to such other Persons as are entitled thereto.

      14.5. Judgement Currency. If, for the purpose of obtaining judgment in
any court or obtaining an order enforcing a judgment, it becomes necessary to
convert any amount due under this Credit Agreement or the other Loan
Documents in Dollars (hereinafter in this ss.14.5 called the "first
currency") into any other currency (hereinafter in this ss.14.5 called
the "second currency"), then the conversion shall be made at the Agent's spot
rate of exchange for buying the first currency with the second currency
prevailing at the Agent's close of business on the Business Day next
preceding the day on which the judgment is given or (as the case may be) the
order is made. Any payment made to the Agent or any Bank pursuant to this
Credit Agreement or the other Loan Documents in the second currency shall
constitute a discharge of the obligations of the Borrower to pay to the Agent
and the Banks any amount originally due to the Agent and the Banks in the
first currency under the Loan Documents only to the extent of the amount of
the first currency which the Agent and each of the Banks is able, on the date
of the receipt by it of such payment in any second currency, to purchase, in
accordance with the Agent's and such Bank's normal banking procedures, with
the amount of such second currency so received. If the amount of the first
currency falls short of the amount originally due to the Agent and the Banks
in the first currency under the Loan Documents, the Borrower hereby agrees
that it will indemnify the Agent and each of the Banks against and save the
Agent and each of the Banks harmless from any shortfall so arising. This
indemnity shall constitute an obligation of the Borrower separate and
independent from the other obligations contained in this Credit Agreement,
shall give rise to a separate and independent cause of action and shall
continue in full force and effect notwithstanding any judgment or order for a
liquidated sum or sums in respect of amounts due to the Agent or any Bank
under this Credit Agreement or under any such judgment or order and shall be
secured by the Collateral. Any such shortfall shall be deemed to constitute a
loss suffered by the Agent and each such Bank, as the case may be, and the
Borrower shall not be entitled to require any proof or evidence of any actual
loss. The covenant contained in this ss.14.5 shall survive the payment
in full of all of the other obligations of the Borrower under this Credit
Agreement.

                                   15. SETOFF.

      Regardless of the adequacy of any collateral, during the continuance of
any Event of Default, any deposits or other sums credited by or due from any of
the Banks to the Borrower and any securities or other property of the Borrower
in the possession of such Bank may be applied to or set off by such Bank against
the payment of Obligations and any and all other liabilities, direct, or
indirect, absolute or contingent, due or to become due, now existing or
hereafter arising, of the Borrower to such Bank. Each of the Banks agrees with
each other Bank that (a) if an amount to be set off is to be applied to
Indebtedness of the Borrower to such
<PAGE>
                                      -80-

Bank, other than Indebtedness evidenced by the Revolving Credit Notes held by
such Bank or constituting Reimbursement Obligations owed to such Bank, such
amount shall be applied ratably to such other Indebtedness and to the
Indebtedness evidenced by all such Revolving Credit Notes held by such Bank or
constituting Reimbursement Obligations owed to such Bank, and (b) if such Bank
shall receive from the Borrower, whether by voluntary payment, exercise of the
right of setoff, counterclaim, cross action, enforcement of the claim evidenced
by the Revolving Credit Notes held by, or constituting Reimbursement Obligations
owed to, such Bank by proceedings against the Borrower at law or in equity or by
proof thereof in bankruptcy, reorganization, liquidation, receivership or
similar proceedings, or otherwise, and shall retain and apply to the payment of
the Revolving Credit Note or Notes held by, or Reimbursement Obligations owed
to, such Bank any amount in excess of its ratable portion of the payments
received by all of the Banks with respect to the Revolving Credit Notes held by,
and Reimbursement Obligations owed to, all of the Banks, such Bank will make
such disposition and arrangements with the other Banks with respect to such
excess, either by way of distribution, pro tanto assignment of claims,
subrogation or otherwise as shall result in each Bank receiving in respect of
the Revolving Credit Notes held by it or Reimbursement Obligations owed it, its
proportionate payment as contemplated by this Credit Agreement; provided that if
all or any part of such excess payment is thereafter recovered from such Bank,
such disposition and arrangements shall be rescinded and the amount restored to
the extent of such recovery, but without interest.

                                 16. THE AGENT.

      16.1. Authorization.

            (a) The Agent is authorized to take such action on behalf of each of
      the Banks and to exercise all such powers as are hereunder and under any
      of the other Loan Documents and any related documents delegated to the
      Agent, together with such powers as are reasonably incident thereto,
      provided that no duties or responsibilities not expressly assumed herein
      or therein shall be implied to have been assumed by the Agent.

            (b) The relationship between the Agent and each of the Banks is that
      of an independent contractor. The use of the term "Agent" is for
      convenience only and is used to describe, as a form of convention, the
      independent contractual relationship between the Agent and each of the
      Banks. Nothing contained in this Credit Agreement nor the other Loan
      Documents shall be construed to create an agency, trust or other fiduciary
      relationship between the Agent and any of the Banks.

            (c) As an independent contractor empowered by the Banks to exercise
      certain rights and perform certain duties and responsibilities hereunder
      and under the other Loan Documents, the Agent is nevertheless a
      "representative" of the Banks, as that term is defined in Article 1 of the
      Uniform Commercial Code, for purposes of actions for the benefit of the
      Banks and the Agent with respect to all collateral security and guaranties
<PAGE>
                                      -81-

      contemplated by the Loan Documents. Such actions include the designation
      of the Agent as "secured party", "mortgagee" or the like on all financing
      statements and other documents and instruments, whether recorded or
      otherwise, relating to the attachment, perfection, priority or enforcement
      of any security interests, mortgages or deeds of trust in collateral
      security intended to secure the payment or performance of any of the
      Obligations, all for the benefit of the Banks and the Agent.

      16.2. Employees and Agents. The Agent may exercise its powers and execute
its duties by or through employees or agents and shall be entitled to take, and
to rely on, advice of counsel concerning all matters pertaining to its rights
and duties under this Credit Agreement and the other Loan Documents. The Agent
may utilize the services of such Persons as the Agent in its sole discretion may
reasonably determine, and all reasonable fees and expenses of any such Persons
shall be paid by the Borrower.

      16.3. No Liability. Neither the Agent nor any of its shareholders,
directors, officers or employees nor any other Person assisting them in their
duties nor any agent or employee thereof, shall be liable for any waiver,
consent or approval given or any action taken, or omitted to be taken, in good
faith by it or them hereunder or under any of the other Loan Documents, or in
connection herewith or therewith, or be responsible for the consequences of any
oversight or error of judgment whatsoever, except that the Agent or such other
Person, as the case may be, may be liable for losses due to its willful
misconduct or gross negligence.

      16.4. No Representations.

            16.4.1. General. The Agent shall not be responsible for the
      execution or validity or enforceability of this Credit Agreement, the
      Revolving Credit Notes, the Letters of Credit, any of the other Loan
      Documents or any instrument at any time constituting, or intended to
      constitute, collateral security for the Revolving Credit Notes, or for the
      value of any such collateral security or for the validity, enforceability
      or collectability of any such amounts owing with respect to the Revolving
      Credit Notes, or for any recitals or statements, warranties or
      representations made herein or in any of the other Loan Documents or in
      any certificate or instrument hereafter furnished to it by or on behalf of
      any of the Parent Companies, the Borrower or any of their Subsidiaries, or
      be bound to ascertain or inquire as to the performance or observance of
      any of the terms, conditions, covenants or agreements herein or in any
      instrument at any time constituting, or intended to constitute, collateral
      security for the Revolving Credit Notes or to inspect any of the
      properties, books or records of any of the Parent Companies, the Borrower
      or any of their Subsidiaries. The Agent shall not be bound to ascertain
      whether any notice, consent, waiver or request delivered to it by the
      Borrower or any holder of any of the Revolving Credit Notes shall have
      been duly authorized or is true, accurate and complete. The Agent has not
      made nor does it now make any representations or warranties, express or
      implied, nor does it assume any liability to the Banks, with respect to
      the credit worthiness or
<PAGE>
                                      -82-

      financial conditions of the Borrower or any of its Subsidiaries. Each Bank
      acknowledges that it has, independently and without reliance upon the
      Agent or any other Bank, and based upon such information and documents as
      it has deemed appropriate, made its own credit analysis and decision to
      enter into this Credit Agreement.

            16.4.2. Closing Documentation, etc. For purposes of determining
      compliance with the conditions set forth in ss.12, each Bank that has
      executed this Credit Agreement shall be deemed to have consented to,
      approved or accepted, or to be satisfied with, each document and matter
      either sent, or made available, by the Agent to such Bank for consent,
      approval, acceptance or satisfaction, or required thereunder to be
      consented to or approved by or acceptable or satisfactory to such Bank,
      unless an officer of the Agent active upon the Borrower's account shall
      have received notice from such Bank prior to the Closing Date specifying
      such Bank's objection thereto and such objection shall not have been
      withdrawn by notice to the Agent to such effect on or prior to the Closing
      Date.

      16.5. Payments.

            16.5.1. Payments to Agent. A payment by the Borrower to the Agent
      hereunder or under any of the other Loan Documents for the account of any
      Bank shall constitute a payment to such Bank. The Agent agrees promptly to
      distribute to each Bank such Bank's pro rata share of payments received by
      the Agent for the account of the Banks except as otherwise expressly
      provided herein or in any of the other Loan Documents.

            16.5.2. Distribution by Agent. If in the opinion of the Agent the
      distribution of any amount received by it in such capacity hereunder,
      under the Revolving Credit Notes or under any of the other Loan Documents
      might involve it in liability, it may refrain from making distribution
      until its right to make distribution shall have been adjudicated by a
      court of competent jurisdiction. If a court of competent jurisdiction
      shall adjudge that any amount received and distributed by the Agent is to
      be repaid, each Person to whom any such distribution shall have been made
      shall either repay to the Agent its proportionate share of the amount so
      adjudged to be repaid or shall pay over the same in such manner and to
      such Persons as shall be determined by such court.

            16.5.3. Delinquent Banks. Notwithstanding anything to the contrary
      contained in this Credit Agreement or any of the other Loan Documents, any
      Bank that fails (a) to make available to the Agent its pro rata share of
      any Revolving Credit Loan or to purchase any Letter of Credit
      Participation or (b) to comply with the provisions of ss.15 with
      respect to making dispositions and arrangements with the other Banks,
      where such Bank's share of any payment received, whether by setoff or
      otherwise, is in excess of its pro rata share of such payments due and
      payable to all of the Banks, in each case as, when and to the full extent
      required by the provisions
<PAGE>
                                      -83-

      of this Credit Agreement, shall be deemed delinquent (a "Delinquent Bank")
      and shall be deemed a Delinquent Bank until such time as such delinquency
      is satisfied. A Delinquent Bank shall be deemed to have assigned any and
      all payments due to it from the Borrower, whether on account of
      outstanding Revolving Credit Loans, Unpaid Reimbursement Obligations,
      interest, fees or otherwise, to the remaining nondelinquent Banks for
      application to, and reduction of, their respective pro rata shares of all
      outstanding Revolving Credit Loans and Unpaid Reimbursement Obligations.
      The Delinquent Bank hereby authorizes the Agent to distribute such
      payments to the nondelinquent Banks in proportion to their respective pro
      rata shares of all outstanding Revolving Credit Loans and Unpaid
      Reimbursement Obligations. A Delinquent Bank shall be deemed to have
      satisfied in full a delinquency when and if, as a result of application of
      the assigned payments to all outstanding Revolving Credit Loans and Unpaid
      Reimbursement Obligations of the nondelinquent Banks, the Banks'
      respective pro rata shares of all outstanding Revolving Credit Loans and
      Unpaid Reimbursement Obligations have returned to those in effect
      immediately prior to such delinquency and without giving effect to the
      nonpayment causing such delinquency.

      16.6. Holders of Notes. The Agent may deem and treat the payee of any
Revolving Credit Note or the purchaser of any Letter of Credit Participation as
the absolute owner or purchaser thereof for all purposes hereof until it shall
have been furnished in writing with a different name by such payee or by a
subsequent holder, assignee or transferee.

      16.7. Indemnity. The Banks ratably agree hereby to indemnify and hold
harmless the Agent and its affiliates from and against any and all claims,
actions and suits (whether groundless or otherwise), losses, damages, costs,
expenses (including any expenses for which the Agent or such affiliate has
not been reimbursed by the Borrower as required by ss.17), and
liabilities of every nature and character arising out of or related to this
Credit Agreement, the Revolving Credit Notes, or any of the other Loan
Documents or the transactions contemplated or evidenced hereby or thereby, or
the Agent's actions taken hereunder or thereunder, except to the extent that
any of the same shall be directly caused by the Agent's willful misconduct or
gross negligence.

      16.8. Agent as Bank. In its individual capacity, Fleet shall have the same
obligations and the same rights, powers and privileges in respect to its
Commitment and the Revolving Credit Loans made by it, and as the holder of any
of the Revolving Credit Notes and as the purchaser of any Letter of Credit
Participations, as it would have were it not also the Agent.

      16.9. Resignation. The Agent may resign at any time by giving sixty (60)
days prior written notice thereof to the Banks and the Borrower. Upon any such
resignation, the Majority Banks shall have the right to appoint a successor
Agent. Unless an Event of Default shall have occurred and be continuing, such
successor Agent shall be reasonably acceptable to the Borrower. If no successor
Agent shall
<PAGE>
                                      -84-

have been so appointed by the Majority Banks and shall have accepted such
appointment within thirty (30) days after the retiring Agent's giving of notice
of resignation, then the retiring Agent may, on behalf of the Banks, appoint a
successor Agent, which shall be a financial institution having a rating of not
less than A or its equivalent by Standard & Poor's Corporation. Upon the
acceptance of any appointment as Agent hereunder by a successor Agent, such
successor Agent shall thereupon succeed to and become vested with all the
rights, powers, privileges and duties of the retiring Agent, and the retiring
Agent shall be discharged from its duties and obligations hereunder. After any
retiring Agent's resignation, the provisions of this Credit Agreement and the
other Loan Documents shall continue in effect for its benefit in respect of any
actions taken or omitted to be taken by it while it was acting as Agent.

      16.10. Notification of Defaults and Events of Default. Each Bank hereby
agrees that, upon learning of the existence of a Default or an Event of Default,
it shall promptly notify the Agent thereof. The Agent hereby agrees that upon
receipt of any notice under this ss.16.10 it shall promptly notify the other
Banks of the existence of such Default or Event of Default.

      16.11. Duties in the Case of Enforcement. In case one or more Events of
Default shall have occurred and be continuing, and whether or not acceleration
of the Obligations shall have occurred, the Agent shall, if (a) so requested by
the Majority Banks and (b) the Banks have provided to the Agent such additional
indemnities and assurances against expenses and liabilities as the Agent may
reasonably request, proceed to enforce the provisions of the Security Documents
authorizing the sale or other disposition of all or any part of the Collateral
and exercise all or any such other legal and equitable and other rights or
remedies as it may have in respect of such Collateral. The Majority Banks may
direct the Agent in writing as to the method and the extent of any such sale or
other disposition, the Banks hereby agreeing to indemnify and hold the Agent,
harmless from all liabilities incurred in respect of all actions taken or
omitted in accordance with such directions, provided that the Agent need not
comply with any such direction to the extent that the Agent reasonably believes
the Agent's compliance with such direction to be unlawful or commercially
unreasonable in any applicable jurisdiction.

                        17. EXPENSES AND INDEMNIFICATION.

      17.1. Expenses. The Borrower agrees to pay (a) the reasonable costs of
producing and reproducing this Credit Agreement, the other Loan Documents and
the other agreements and instruments mentioned herein, (b) any taxes (including
any interest and penalties in respect thereto) payable by the Agent or any of
the Banks (other than taxes based upon the Agent's or any Bank's net income) on
or with respect to the transactions contemplated by this Credit Agreement (the
Borrower hereby agreeing to indemnify the Agent and each Bank with respect
thereto), (c) the reasonable fees, expenses and disbursements of the Agent's
Special Counsel or any local counsel to the Agent incurred in connection with
the preparation, syndication, administration or interpretation of the Loan
Documents and other instruments mentioned herein, each closing hereunder, any
amendments,
<PAGE>
                                      -85-

modifications, approvals, consents or waivers hereto or hereunder, or the
cancellation of any Loan Document upon payment in full in cash of all of the
Obligations or pursuant to any terms of such Loan Document for providing for
such cancellation, (d) the fees, expenses and disbursements of the Agent or any
of its affiliates incurred by the Agent or such affiliate in connection with any
commercial finance examination or the preparation, syndication, administration
or interpretation of the Loan Documents and other instruments mentioned herein,
including all title insurance premiums and surveyor, engineering and appraisal
charges, (e) any fees, costs, expenses and bank charges, including bank charges
for returned checks, incurred by the Agent in establishing, maintaining or
handling agency accounts, lock box accounts and other accounts for the
collection of any of the Collateral, (f) all reasonable out-of-pocket expenses
(including without limitation reasonable attorneys' fees and costs, which
attorneys may be employees of any Bank or the Agent, and reasonable consulting,
accounting, appraisal, investment banking and similar professional fees and
charges) incurred by any Bank or the Agent in connection with (i) the
enforcement of or preservation of rights under any of the Loan Documents against
the Borrower or any of its Subsidiaries or the administration thereof after the
occurrence of a Default or Event of Default and (ii) any litigation, proceeding
or dispute whether arising hereunder or otherwise, in any way related to any
Bank's or the Agent's relationship with the Borrower or any of its Subsidiaries
except to the extent that any such litigation, proceeding or dispute is directly
caused by the gross negligence or willful misconduct of such Bank or the Agent,
as the case may be, and (g) all reasonable fees, expenses and disbursements of
any Bank or the Agent incurred in connection with UCC and intellectual property
searches, UCC and intellectual property filings or mortgage recordings.

      17.2. Indemnification. The Borrower agrees to indemnify and hold harmless
the Agent, its affiliates and the Banks from and against any and all claims,
actions and suits whether groundless or otherwise, and from and against any and
all liabilities, losses, damages and expenses of every nature and character
arising out of this Credit Agreement or any of the other Loan Documents or the
transactions contemplated hereby including, without limitation, (a) any actual
or proposed use by the Borrower or any of its Subsidiaries of the proceeds of
any of the Revolving Credit Loans or Letters of Credit, (b) the reversal or
withdrawal of any provisional credits granted by the Agent upon the transfer of
funds from lock box, bank agency or concentration accounts or in connection with
the provisional honoring of checks or other items, (c) any actual or alleged
infringement of any patent, copyright, trademark, service mark or similar right
of the Borrower or any of its Subsidiaries comprised in the Collateral, (d) the
Borrower or any of its Subsidiaries entering into or performing this Credit
Agreement or any of the other Loan Documents or (e) with respect to the Borrower
and its Subsidiaries and their respective properties and assets, the violation
of any Environmental Law, the presence, disposal, escape, seepage, leakage,
spillage, discharge, emission, release or threatened release of any Hazardous
Substances or any action, suit, proceeding or investigation brought or
threatened with respect to any Hazardous Substances (including, but not limited
to, claims with respect to wrongful death, personal injury or damage to
property), in each case including, without limitation, the reasonable fees and
disbursements of counsel and allocated costs of internal counsel incurred in
<PAGE>
                                      -86-

connection with any such investigation, litigation or other proceeding except to
the extent that any of the foregoing are directly caused by the gross negligence
or willful misconduct of the otherwise indemnified party. In litigation, or the
preparation therefor, the Banks and the Agent and its affiliates shall be
entitled to select their own counsel and, in addition to the foregoing
indemnity, the Borrower agrees to pay promptly the reasonable fees and expenses
of such counsel. If, and to the extent that the obligations of the Borrower
under this ss.17.2 are unenforceable for any reason, the Borrower hereby agrees
to make the maximum contribution to the payment in satisfaction of such
obligations which is permissible under applicable law.

      17.3. Survival. The covenants contained in this ss.17 shall survive
payment or satisfaction in full of all other Obligations.

               18. TREATMENT OF CERTAIN CONFIDENTIAL INFORMATION.

      18.1. Confidentiality. Each of the Banks and the Agent agrees, on behalf
of itself and each of its affiliates, directors, officers, employees and
representatives, to use reasonable precautions to keep confidential, in
accordance with their customary procedures for handling confidential information
of the same nature and in accordance with safe and sound banking practices, any
non-public information supplied to it by any of the Parent Companies, the
Borrower or any of their Subsidiaries pursuant to this Credit Agreement and the
other Loan Documents, provided that nothing herein shall limit the disclosure of
any such information (a) after such information shall have become public other
than through a violation of this ss.18, (b) to the extent required by statute,
rule, regulation or judicial process, (c) to counsel for any of the Banks or the
Agent, (d) to bank examiners or any other regulatory authority having
jurisdiction over any Bank or the Agent, or to auditors or accountants, (e) to
the Agent, any Bank or any affiliate of the foregoing, (f) in connection with
any litigation to which any one or more of the Banks, the Agent or any affiliate
of the Agent or any Bank is a party, or in connection with the enforcement of
rights or remedies hereunder or under any other Loan Document, (g) to a
Subsidiary or affiliate of such Bank or (h) to any assignee or participant (or
prospective assignee or participant) so long as such assignee or participant
agrees to be bound by the provisions of ss.20.6. Moreover, each of the Agent,
the Banks and any affiliate of the Agent or any Bank is hereby expressly
permitted by any Parent Company and the Borrower to refer to any of the Parent
Companies, the Borrower and their Subsidiaries in connection with any
advertising, promotion or marketing undertaken by the Agent, such Bank or such
affiliate and, for such purpose, the Agent, such Bank or such affiliate may
utilize any trade name, trademark, logo or other distinctive symbol associated
with any of the Parent Companies, the Borrower or any of their Subsidiaries or
any of their businesses.

      18.2. Prior Notification. Unless specifically prohibited by applicable law
or court order, each of the Banks and the Agent shall, prior to disclosure
thereof, notify the Borrower of any request for disclosure of any such
non-public information by any governmental agency or representative thereof
(other than any such request
<PAGE>
                                      -87-

in connection with an examination of the financial condition of such Bank by
such governmental agency) or pursuant to legal process.

      18.3. Other. In no event shall any Bank or the Agent be obligated or
required to return any materials furnished to it or any affiliate thereof by the
Borrower or any of its Subsidiaries. The obligations of each Bank under this
ss.18 shall supersede and replace the obligations of such Bank under any
confidentiality letter in respect of this financing signed and delivered by such
Bank to the Borrower prior to the date hereof and shall be binding upon any
assignee of, or purchaser of any participation in, any interest in any of the
Revolving Credit Loans or Reimbursement Obligations from any Bank.

                         19. SURVIVAL OF COVENANTS, ETC.

      All covenants, agreements, representations and warranties made herein, in
the Revolving Credit Notes, in any of the other Loan Documents or in any
documents or other papers delivered by or on behalf of any of the Parent
Companies, the Borrower or any of their Subsidiaries pursuant hereto shall be
deemed to have been relied upon by the Banks and the Agent, notwithstanding any
investigation heretofore or hereafter made by any of them, and shall survive the
making by the Banks of any of the Revolving Credit Loans and the issuance,
extension or renewal of any Letters of Credit, as herein contemplated, and shall
continue in full force and effect so long as any Letter of Credit or any amount
due under this Credit Agreement or the Revolving Credit Notes or any of the
other Loan Documents remains outstanding or any Bank has any obligation to make
any Revolving Credit Loans or the Agent has any obligation to issue, extend or
renew any Letter of Credit, and for such further time as may be otherwise
expressly specified in this Credit Agreement. All statements contained in any
certificate or other paper delivered to any Bank or the Agent at any time by or
on behalf of any of the Parent Companies, the Borrower or any of their
Subsidiaries pursuant hereto or in connection with the transactions contemplated
hereby shall constitute representations and warranties by such Parent Company,
the Borrower or such Subsidiary hereunder.

                        20. ASSIGNMENT AND PARTICIPATION.

      20.1. Conditions to Assignment by Banks. Except as provided herein, each
Bank may assign to one or more Eligible Assignees all or a portion of its
interests, rights and obligations under this Credit Agreement (including all or
a portion of its Commitment Percentage and Commitment and the same portion of
the Revolving Credit Loans at the time owing to it, the Revolving Credit Notes
held by it and its participating interest in the risk relating to any Letters of
Credit); provided that (a) each of the Agent and, unless an Event of Default
shall have occurred and be continuing, the Borrower shall have given its prior
written consent to such assignment, which consent, in the case of the Borrower,
will not be unreasonably withheld, (b) each such assignment shall be of a
constant, and not a varying, percentage of all the assigning Bank's rights and
obligations under this Credit Agreement, (c) each assignment shall be in an
amount that is a whole multiple of $5,000,000 (or such smaller amount which
represents the assigning Bank's entire
<PAGE>
                                      -88-

Commitment) and (d) the parties to such assignment shall execute and deliver to
the Agent, for recording in the Register (as hereinafter defined), an Assignment
and Acceptance, substantially in the form of Exhibit E hereto (an "Assignment
and Acceptance"), together with any Revolving Credit Notes subject to such
assignment. Upon such execution, delivery, acceptance and recording, from and
after the effective date specified in each Assignment and Acceptance, which
effective date shall be at least five (5) Business Days after the execution
thereof, (i) the assignee thereunder shall be a party hereto and, to the extent
provided in such Assignment and Acceptance, have the rights and obligations of a
Bank hereunder, and (ii) the assigning Bank shall, to the extent provided in
such assignment and upon payment to the Agent of the registration fee referred
to in ss.20.3, be released from its obligations under this Credit Agreement.

      20.2. Certain Representations and Warranties; Limitations; Covenants. By
executing and delivering an Assignment and Acceptance, the parties to the
assignment thereunder confirm to and agree with each other and the other parties
hereto as follows:

            (a) other than the representation and warranty that it is the legal
      and beneficial owner of the interest being assigned thereby free and clear
      of any adverse claim, the assigning Bank makes no representation or
      warranty, express or implied, and assumes no responsibility with respect
      to any statements, warranties or representations made in or in connection
      with this Credit Agreement or the execution, legality, validity,
      enforceability, genuineness, sufficiency or value of this Credit
      Agreement, the other Loan Documents or any other instrument or document
      furnished pursuant hereto or the attachment, perfection or priority of any
      security interest or mortgage,

            (b) the assigning Bank makes no representation or warranty and
      assumes no responsibility with respect to the financial condition of the
      Parent Companies, the Borrower and their Subsidiaries or any other Person
      primarily or secondarily liable in respect of any of the Obligations, or
      the performance or observance by the Parent Companies, the Borrower and
      their Subsidiaries or any other Person primarily or secondarily liable in
      respect of any of the Obligations of any of their obligations under this
      Credit Agreement or any of the other Loan Documents or any other
      instrument or document furnished pursuant hereto or thereto;

            (c) such assignee confirms that it has received a copy of this
      Credit Agreement, together with copies of the most recent financial
      statements referred to in ss.8.4 and ss.9.4 and such other documents and
      information as it has deemed appropriate to make its own credit analysis
      and decision to enter into such Assignment and Acceptance;

            (d) such assignee will, independently and without reliance upon the
      assigning Bank, the Agent or any other Bank and based on such documents
      and information as it shall deem appropriate at the time, continue
<PAGE>
                                      -89-

      to make its own credit decisions in taking or not taking action under this
      Credit Agreement;

            (e) such assignee represents and warrants that it is an Eligible
      Assignee;

            (f) such assignee appoints and authorizes the Agent to take such
      action as agent on its behalf and to exercise such powers under this
      Credit Agreement and the other Loan Documents as are delegated to the
      Agent by the terms hereof or thereof, together with such powers as are
      reasonably incidental thereto;

            (g) such assignee agrees that it will perform in accordance with
      their terms all of the obligations that by the terms of this Credit
      Agreement are required to be performed by it as a Bank;

            (h) such assignee represents and warrants that it is legally
      authorized to enter into such Assignment and Acceptance; and

            (i) such assignee acknowledges that it has made arrangements with
      the assigning Bank satisfactory to such assignee with respect to its pro
      rata share of Letter of Credit Fees in respect of outstanding Letters of
      Credit.

      20.3. Register. The Agent shall maintain a copy of each Assignment and
Acceptance delivered to it and a register or similar list (the "Register") for
the recordation of the names and addresses of the Banks and the Commitment
Percentage of, and principal amount of the Revolving Credit Loans owing to and
Letter of Credit Participations purchased by, the Banks from time to time. The
entries in the Register shall be conclusive, in the absence of manifest error,
and the Borrower, the Agent and the Banks may treat each Person whose name is
recorded in the Register as a Bank hereunder for all purposes of this Credit
Agreement. The Register shall be available for inspection by the Borrower and
the Banks at any reasonable time and from time to time upon reasonable prior
notice. Upon each such recordation, the assigning Bank agrees to pay to the
Agent a registration fee in the sum of $3,500.

      20.4. New Notes. Upon its receipt of an Assignment and Acceptance executed
by the parties to such assignment, together with each Revolving Credit Note
subject to such assignment, the Agent shall (a) record the information contained
therein in the Register, and (b) give prompt notice thereof to the Borrower and
the Banks (other than the assigning Bank). Within five (5) Business Days after
receipt of such notice, the Borrower, at its own expense, shall execute and
deliver to the Agent, in exchange for each surrendered Revolving Credit Note, a
new Revolving Credit Note to the order of such Eligible Assignee in an amount
equal to the amount assumed by such Eligible Assignee pursuant to such
Assignment and Acceptance and, if the assigning Bank has retained some portion
of its obligations hereunder, a new Revolving Credit Note to the order of the
assigning Bank in an amount equal to the amount retained by it hereunder. Such
new Revolving Credit Notes shall
<PAGE>
                                      -90-

provide that they are replacements for the surrendered Revolving Credit Notes,
shall be in an aggregate principal amount equal to the aggregate principal
amount of the surrendered Revolving Credit Notes, shall be dated the effective
date of such Assignment and Acceptance and shall otherwise be in substantially
the form of the assigned Revolving Credit Notes. The surrendered Revolving
Credit Notes shall be cancelled and returned to the Borrower.

      20.5. Participations. Each Bank may sell participations to one or more
banks or other entities in all or a portion of such Bank's rights and
obligations under this Credit Agreement and the other Loan Documents; provided
that (a) any such sale or participation shall not affect the rights and duties
of the selling Bank hereunder to the Borrower and (b) the only rights granted to
the participant pursuant to such participation arrangements with respect to
waivers, amendments or modifications of the Loan Documents shall be the rights
to approve waivers, amendments or modifications that would reduce the principal
of or the interest rate on any Revolving Credit Loans, extend the term or
increase the amount of the Commitment of such Bank as it relates to such
participant, reduce the amount of any Commitment Fees or Letter of Credit Fees
to which such participant is entitled or extend any regularly scheduled payment
date for principal or interest.

      20.6. Disclosure. The Borrower agrees that in addition to disclosures made
in accordance with standard and customary banking practices any Bank may
disclose information obtained by such Bank pursuant to this Credit Agreement to
assignees or participants and potential assignees or participants hereunder;
provided that such assignees or participants or potential assignees or
participants shall agree (a) to treat in confidence such information unless such
information otherwise becomes public knowledge, (b) not to disclose such
information to a third party, except as required by law or legal process and (c)
not to make use of such information for purposes of transactions unrelated to
such contemplated assignment or participation. For purposes of this ss.20.6 an
assignee or participant or potential assignee or participant may include a
counterparty with whom such Bank has entered into or potentially might enter
into a derivative contract referenced to credit or other risks or events arising
under this Credit Agreement or any other Loan Document.

      20.7. Assignee or Participant Affiliated with the Borrower. If any
assignee Bank is an Affiliate of the Borrower, then any such assignee Bank shall
have no right to vote as a Bank hereunder or under any of the other Loan
Documents for purposes of granting consents or waivers or for purposes of
agreeing to amendments or other modifications to any of the Loan Documents or
for purposes of making requests to the Agent pursuant to ss.14.1 or ss.14.2, and
the determination of the Majority Banks shall for all purposes of this Credit
Agreement and the other Loan Documents be made without regard to such assignee
Bank's interest in any of the Revolving Credit Loans or Reimbursement
Obligations. If any Bank sells a participating interest in any of the Revolving
Credit Loans or Reimbursement Obligations to a participant, and such participant
is the Borrower or an Affiliate of the Borrower, then such transferor Bank shall
promptly notify the Agent of the sale of such participation. A transferor Bank
shall have no right to vote as a Bank
<PAGE>
                                      -91-

hereunder or under any of the other Loan Documents for purposes of granting
consents or waivers or for purposes of agreeing to amendments or modifications
to any of the Loan Documents or for purposes of making requests to the Agent
pursuant to ss.14.1 or ss.14.2 to the extent that such participation is
beneficially owned by the Borrower or any Affiliate of the Borrower, and the
determination of the Majority Banks shall for all purposes of this Credit
Agreement and the other Loan Documents be made without regard to the interest of
such transferor Bank in the Revolving Credit Loans or Reimbursement Obligations
to the extent of such participation.

      20.8. Miscellaneous Assignment Provisions. Any assigning Bank shall retain
its rights to be indemnified pursuant to ss.17 with respect to any claims or
actions arising prior to the date of such assignment. If any assignee Bank is
not incorporated under the laws of the United States of America or any state
thereof, it shall, prior to the date on which any interest or fees are payable
hereunder or under any of the other Loan Documents for its account, deliver to
the Borrower and the Agent certification as to its exemption from deduction or
withholding of any United States federal income taxes. Anything contained in
this ss.20 to the contrary notwithstanding, any Bank may at any time pledge all
or any portion of its interest and rights under this Credit Agreement (including
all or any portion of its Revolving Credit Notes) to any of the twelve Federal
Reserve Banks organized under ss.4 of the Federal Reserve Act, 12 U.S.C. ss.341.
No such pledge or the enforcement thereof shall release the pledgor Bank from
its obligations hereunder or under any of the other Loan Documents.

      20.9. Assignment by Borrower. The Borrower shall not assign or transfer
any of its rights or obligations under any of the Loan Documents without the
prior written consent of each of the Banks.

                                21. NOTICES, ETC.

      Except as otherwise expressly provided in this Credit Agreement, all
notices and other communications made or required to be given pursuant to this
Credit Agreement or the Revolving Credit Notes or any Letter of Credit
Applications shall be in writing and shall be delivered in hand, mailed by
United States registered or certified first class mail, postage prepaid, sent by
overnight courier, or sent by telegraph, telecopy, facsimile or telex and
confirmed by delivery via courier or postal service, addressed as follows:

            (a) if to the Borrower, at The Prudential Tower, 800 Boylston
      Street, Boston, MA 02199, Attention: Michael Goss, Chief Financial
      Officer, or at such other address for notice as the Borrower shall last
      have furnished in writing to the Person giving the notice;

            (b) if to the Agent, at 100 Federal Street, Boston, Massachusetts
      02110, USA, Attention: Patricia K. Conry, Senior Vice President, or such
      other address for notice as the Agent shall last have furnished in writing
      to the Person giving the notice; and
<PAGE>
                                      -92-

            (c) if to any Bank, at such Bank's address set forth on Schedule 1
      hereto, or such other address for notice as such Bank shall have last
      furnished in writing to the Person giving the notice.

      Any such notice or demand shall be deemed to have been duly given or made
and to have become effective (i) if delivered by hand, overnight courier or
facsimile to a responsible officer of the party to which it is directed, at the
time of the receipt thereof by such officer or the sending of such facsimile and
(ii) if sent by registered or certified first-class mail, postage prepaid, on
the third Business Day following the mailing thereof.

                               22. GOVERNING LAW.

      THIS CREDIT AGREEMENT AND, EXCEPT AS OTHERWISE SPECIFICALLY PROVIDED
THEREIN, EACH OF THE OTHER LOAN DOCUMENTS ARE CONTRACTS UNDER THE LAWS OF THE
COMMONWEALTH OF MASSACHUSETTS AND SHALL FOR ALL PURPOSES BE CONSTRUED IN
ACCORDANCE WITH AND GOVERNED BY THE LAWS OF SAID COMMONWEALTH OF MASSACHUSETTS
(EXCLUDING THE LAWS APPLICABLE TO CONFLICTS OR CHOICE OF LAW). THE BORROWER
AGREES THAT ANY SUIT FOR THE ENFORCEMENT OF THIS CREDIT AGREEMENT OR ANY OF THE
OTHER LOAN DOCUMENTS MAY BE BROUGHT IN THE COURTS OF THE COMMONWEALTH OF
MASSACHUSETTS OR ANY FEDERAL COURT SITTING THEREIN AND CONSENTS TO THE
NONEXCLUSIVE JURISDICTION OF SUCH COURT AND SERVICE OF PROCESS IN ANY SUCH SUIT
BEING MADE UPON THE BORROWER BY MAIL AT THE ADDRESS SPECIFIED IN ss.20. THE
BORROWER HEREBY WAIVES ANY OBJECTION THAT IT MAY NOW OR HEREAFTER HAVE TO THE
VENUE OF ANY SUCH SUIT OR ANY SUCH COURT OR THAT SUCH SUIT IS BROUGHT IN AN
INCONVENIENT COURT.

                                  23. HEADINGS.

      The captions in this Credit Agreement are for convenience of reference
only and shall not define or limit the provisions hereof.

                                24. COUNTERPARTS.

      This Credit Agreement and any amendment hereof may be executed in several
counterparts and by each party on a separate counterpart, each of which when
executed and delivered shall be an original, and all of which together shall
constitute one instrument. In proving this Credit Agreement it shall not be
necessary to produce or account for more than one such counterpart signed by the
party against whom enforcement is sought.
<PAGE>
                                      -93-

                           25. ENTIRE AGREEMENT, ETC.

      The Loan Documents and any other documents executed in connection herewith
or therewith express the entire understanding of the parties with respect to the
transactions contemplated hereby. Neither this Credit Agreement nor any term
hereof may be changed, waived, discharged or terminated, except as provided in
ss.28.

                            26. WAIVER OF JURY TRIAL.

      Each of the Parent Companies, the Borrower, the Agent and the Banks hereby
waives their respective right to a jury trial with respect to any action or
claim arising out of any dispute in connection with this Credit Agreement, the
Revolving Credit Notes or any of the other Loan Documents, any rights or
obligations hereunder or thereunder or the performance of such rights and
obligations. Except as prohibited by law, each of the Parent Companies, the
Borrower hereby waives any right it may have to claim or recover in any
litigation referred to in the preceding sentence any special, exemplary,
punitive or consequential damages or any damages other than, or in addition to,
actual damages. The Borrower (a) certifies that no representative, agent or
attorney of any Bank or the Agent has represented, expressly or otherwise, that
such Bank or the Agent would not, in the event of litigation, seek to enforce
the foregoing waivers and (b) acknowledges that the Agent and the Banks have
been induced to enter into this Credit Agreement, and the other Loan Documents
to which it is a party by, among other things, the waivers and certifications
contained herein.

                     27. CONSENTS, AMENDMENTS, WAIVERS, ETC.

      Any consent or approval required or permitted by this Credit Agreement to
be given by the Banks may be given, and any term of this Credit Agreement, the
other Loan Documents or any other instrument related hereto or mentioned herein
may be amended, and the performance or observance by any of the Parent
Companies, the Borrower or any of their Subsidiaries of any terms of this Credit
Agreement, the other Loan Documents or such other instrument or the continuance
of any Default or Event of Default may be waived (either generally or in a
particular instance and either retroactively or prospectively) with, but only
with, the written consent of the Borrower and the written consent of the
Majority Banks. Notwithstanding the foregoing, the rate of interest on the
Revolving Credit Notes (other than interest accruing pursuant to ss.5.11
following the effective date of any waiver by the Majority Banks of the Default
or Event of Default relating thereto) or the amount of the Commitment Fee or
Letter of Credit Fees may not be decreased without the written consent of each
Bank affected thereby; the amount of the Commitments may not be increased
without the written consent of the Borrower and of each Bank affected thereby;
the Revolving Credit Loan Maturity Date may not be postponed without the written
consent of each Bank affected thereby; this ss.27 and the definition of Majority
Banks may not be amended, without the written consent of all of the Banks; and
the amount of the Agent's Fee or any Letter of Credit Fees payable for the
Agent's account and ss.16 may not be
<PAGE>
                                      -94-

amended without the written consent of the Agent. No waiver shall extend to or
affect any obligation not expressly waived or impair any right consequent
thereon. No course of dealing or delay or omission on the part of the Agent or
any Bank in exercising any right shall operate as a waiver thereof or otherwise
be prejudicial thereto. No notice to or demand upon the Borrower shall entitle
the Borrower to other or further notice or demand in similar or other
circumstances.

                                   28. USURY.

      All agreements between the Borrower and the Agent and the Banks are hereby
expressly limited so that in no contingency or event whatsoever, whether by
reason of acceleration of the maturity of the Revolving Credit Notes or
otherwise, shall the amount paid or agreed to be paid to the Agent or any Bank
for the use or the forbearance of the Indebtedness represented by any Revolving
Credit Note exceed the maximum permissible under applicable law. In this regard,
it is expressly agreed that it is the intent of the Borrower, the Agent and the
Banks, in the execution, delivery and acceptance of the Revolving Credit Notes,
to contract in strict compliance with the laws of the Commonwealth of
Massachusetts. If, under any circumstances whatsoever, performance or
fulfillment of any provision of any of the Revolving Credit Notes or any of the
other Loan Documents at the time such provision is to be performed or fulfilled
shall involve exceeding the limit of validity prescribed by applicable law, then
the obligation so to be performed or fulfilled shall be reduced automatically to
the limits of such validity, and if under any circumstances whatsoever the Agent
or any Banks should ever receive as interest an amount which would exceed the
highest lawful rate, such amount which would be excessive interest shall be
applied to the reduction of the principal balance evidenced by the Revolving
Credit Notes and not to the payment of interest. The provisions of this ss.28
shall control every other provision of this Credit Agreement and each of the
Revolving Credit Notes.

                                29. SEVERABILITY.

      The provisions of this Credit Agreement are severable and if any one
clause or provision hereof shall be held invalid or unenforceable in whole or in
part in any jurisdiction, then such invalidity or unenforceability shall affect
only such clause or provision, or part thereof, in such jurisdiction, and shall
not in any manner affect such clause or provision in any other jurisdiction, or
any other clause or provision of this Credit Agreement in any jurisdiction.

                 30. LETTER OF CREDIT TRANSITIONAL ARRANGEMENTS

      Each "Letter of Credit" issued by Fleet for the account of the Borrower
under and as defined in the Credit Agreement (as amended from time to time),
dated as of January 6, 1999, among the Borrower f/k/a Bronner Slosberg Humphrey,
LLC, Strategic Interactive Group, LLC, the lenders listed therein, Bankers Trust
Company, as administrative agent, Fleet National Bank, as documentation agent
and Fleet (f/k/a BankBoston), as syndication agent (the "Prior Credit
Agreement")
<PAGE>
                                      -95-

prior to the Closing Date and outstanding on the Closing Date shall, for
purposes of this Credit Agreement, be a Letter of Credit issued hereunder.
<PAGE>

      IN WITNESS WHEREOF, the undersigned have duly executed this Credit
Agreement as a sealed instrument as of the date first set forth above.

                                   DIGITAS LLC

                                   By: /s/ Marschall I. Smith
                                      ----------------------------------
                                       Name: Marschall I. Smith
                                       Title: General Counsel, Secretary
                                              and Assistant Treasurer

                                       DIGITAS, INC., as a Guarantor

                                   By: /s/ Jeff Cote
                                      ----------------------------------
                                       Name: Jeff Cote
                                       Title: Senior Vice President and
                                              Corporate Controller

                                   VESUVIO, INC., as a Guarantor

                                   By: /s/ Jeff Cote
                                      ----------------------------------
                                       Name: Jeff Cote
                                       Title: Senior Vice President and
                                              Corporate Controller

                                   BRONNER, SLOSBERG HUMPHREY
                                   CO., as a Guarantor

                                   By: /s/ Jeff Cote
                                      ----------------------------------
                                       Name: Jeff Cote
                                       Title: Senior Vice President and
                                              Corporate Controller
<PAGE>

                                   BSH HOLDING LLC, as a Guarantor

                                   By: /s/ Jeff Cote
                                      ----------------------------------
                                       Name: Jeff Cote
                                       Title: Senior Vice President and
                                              Corporate Controller

                                   FLEET NATIONAL BANK, individually
                                   and as Agent

                                   By: Patricia K. Conry
                                      ----------------------------------
                                       Name: Patricia K. Conry,
                                       Senior Vice President

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