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                     INSIGHT INVESTMENTS, CORP

                   MASTER LEASE AGREEMENT NO. 6400

MASTER LEASE AGREEMENT NO. 6400, DATED APRIL 7, 1999, (THE "MASTER LEASE") BY
AND BETWEEN INSIGHT INVESTMENTS, CORP., A CALIFORNIA CORPORATION ("LESSOR"), 265
SOUTH ANITA DRIVE, SUITE 200, ORANGE, CALIFORNIA 92868 AND HOMESTEAD
TECHNOLOGIES, A CALIFORNIA CORPORATION ("LESSEE"), 3475H EDISON WAY, MENLO PARK,
CA 94025.

FOR AND IN CONSIDERATION OF THE MUTUAL COVENANTS AND PROMISES SET FORTH HEREIN
AND THE PAYMENT OF RENT AS PROVIDED HEREIN, LESSOR AND LESSEE AGREE AS FOLLOWS:

1. LEASE OF EQUIPMENT. Lessor leases to Lessee, and Lessee leases from Lessor,
all of the personal property, together with all replacements, parts and repairs
incorporated therein (collectively, the "Equipment"; and individually, an
"Item") described in each Equipment Schedule ("Schedule") executed and delivered
from time to time pursuant to this Master Lease.

2. SCHEDULES. Each Schedule shall incorporate the terms and conditions of this
Master Lease and such other terms and conditions as Lessor and Lessee shall
agree upon. Each Schedule is a separate and independent lease and contractual
obligation. In the event of a conflict between the provisions of the Master
Lease and those of any Schedule, the provisions of the Schedule shall control.
The term "Lease" shall mean an individual Schedule which incorporates the terms
and conditions of this Master Lease. The Lease shall be effective upon execution
by Lessee and subsequent acceptance by Lessor at its principal place of
business.

3. LEASE TERM. The term of lease ("Lease Term") for each item shall begin on its
Acceptance Date and continue after the Commencement Date for that number of
months specified in the Schedule as the "Initial Lease Term", and thereafter
until terminated by either party upon not less than one hundred twenty (120)
days prior notice (which notice shall apply to all the Equipment and may not be
revoked without the consent of the other party). The term "Commencement Date"
means the first day of the month immediately following the month during which
the Acceptance Date occurs for the item to be last installed or delivered, as
applicable.

4. ACCEPTANCE. The Acceptance Date for each item shall be the earliest of (i)
the date the manufacturer, or other party acceptable to Lessor, installs the
item and certifies that Item to be in good working order, or (ii) if Lessee has
caused a delay in the installation of an Item, then the fifth day after the Item
is delivered to the location specified in the Schedule, or (iii) if Lessee is to
install the Item, the fifth day after delivery; or (iv) if the Item does not
require installation, the third day after the day the Item is delivered to
Lessee. If the Equipment is already installed at the Lessee's location, the
Acceptance Date shall be the date on which the Lessor pays for the Equipment. On
each Acceptance Date, Lessee shall execute and deliver to Lessor a Certificate
of Acceptance.

5. RENT.
(a) "Rent" as used herein shall mean and include all of the following:
(1) INTERIM RENT. Lessee's interim rental obligation for each Item shall
commence on its Acceptance Date and continue through the day immediately
preceding the Commencement Date ("Interim Rent"). Interim Rent for each item
shall be one-thirtieth (1/30) of the Monthly Rent for that Item per day, with
Interim Rent for all items being due and payable on the Commencement Date. If
the Acceptance Date for all the Equipment is the first day of a calendar month,
there shall be no Interim Rent.
(2) MONTHLY RENT. Lessee shall pay Lessor Monthly Rent for the Equipment in the
amount set forth in the Schedule. Monthly Rent shall begin to accrue on the
Commencement Date and shall be due and payable by Lessee in advance on the
Commencement Date and on the first day of each month thereafter during the Lease
Term.
(3) ADDITIONAL RENT. Lessee shall also owe to Lessor, as additional rent
("Additional Rent") any and all charges, expenses, indemnities and other sums
which become due by Lessee to Lessor under the terms of this Lease. Any such
Additional Rent shall be paid to Lessor within thirty (30) days after the date
that Lessor gives notice to Lessee that such Additional Rent is due, unless a
longer or shorter period is otherwise specified herein.
(b) LATE CHARGE. If Lessee fails to pay to Lessor within ten (10) days after the
due date thereof (and without regard as to whether Lessor has given Lessee
notice of such failure or whether an Event of Default has occurred) any Rent due
hereunder, then Lessee shall also owe to Lessor Late Charges on such delinquent
payment from the due date until paid at the lower of two percent (2%) per month
or the maximum rate permitted by applicable law.
(c) METHOD OF PAYMENT. All payment of Rent, Late Charges or other amounts
required to be paid by Lessee shall be paid to Lessor by check or wire transfer
so as to constitute immediately available funds at the address of Lessor set
forth above or at such other place as Lessor shall designate in writing, or, if
to an Assignee of Lessor, at such place as such Assignee shall designate in
writing.

6. USE AND LOCATION; TITLE AND INTEREST.
(a) USE. Lessee shall use the Equipment in a careful and proper manner in
conformance with all manufacturer's specifications and shall comply with all
federal, state, municipal and other laws, ordinances and regulations in any way
relating to the possession, use or maintenance of the Equipment, and in
compliance with all requirements of the insurance policies required to be
maintained by Lessee pursuant to Section 12 herein.
(b) LOCATION. Each Item will at all times be and remain in Lessee's sole
possession and control at the place of installation/location shown in the
Schedule. The Equipment may be moved to another location of Lessee within the
continental contiguous United States with Lessor's prior written consent; such
consent shall not be unreasonably withheld.
(c) TITLE AND INTEREST. Lessee shall execute and deliver to Lessor such
documents as Lessor shall deem necessary or desirable to protect Lessor's or
Assignee's title to or interest in this Master Lease and Schedules hereto, the
payments due hereunder and the Equipment. Notwithstanding the above language,
Lessee hereby appoints Lessor, or its agents, as its attorney-in-fact to execute
on behalf of Lessee Uniform Commercial Code ("UCC") financing statements and any
and all other instruments necessary to perfect the interest of Lessor or its
successors or assigns in this Master Lease, the Schedules hereto, the payments
due hereunder and the Equipment. Lessor, at its option, may file a copy of this
Master Lease and Schedules as a financing statement.

7. MAINTENANCE AND REPAIR. Lessee hereby assumes the sole duty

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to maintain the Equipment and shall not look to Lessor or any Assignee for such
maintenance. At its own expense, Lessee shall maintain and keep the Equipment
in good repair, condition and working order and shall furnish any and all
parts, mechanisms, devices and labor required therefor, and shall enter into
and maintain during the Lease Term a maintenance agreement with the Equipment
manufacturer or other party acceptable to Lessor. Lessee shall furnish a copy
of such agreement to Lessor upon Lessor's request.

8. QUIET ENJOYMENT. Lessor hereby covenants that so long as no Event of Default
has occurred, Lessee shall and may quietly have, hold and enjoy the Equipment in
accordance with the terms and conditions of the Lease, free from disturbance by
Lessor or anyone claiming by or through Lessor.

9. LESSOR'S RIGHT TO INSPECT. Lessor shall at all times during business hours,
and subject to Lessee's reasonable security requirements, have the right to
enter upon the premises where an Item may be located for the purpose of
inspecting such Item.

10. EQUIPMENT IMPROVEMENTS.
(a) Lessee may, with the prior consent of Lessor and subject to compliance with
this Section 10, affix or install any accessory, feature or device to the
Equipment and make any improvement, upgrade, modification, alteration or
addition to the Equipment (each of the foregoing being an "Improvement"). The
affixing or installation of the Improvement must not adversely affect the
Equipment manufacturer's warranties or maintenance agreement, or require that
substantial original parts of the Equipment be removed; nor can it impair the
originally intended function, value or use of the Equipment. Title to each
improvement shall, without further action, upon the affixing or installing of
such Improvement, vest solely in Lessor. Upon the expiration or earlier
termination of this Lease, Lessee may remove and retain any readily detachable
Improvement provided that: (i) no Event of Default has occurred; (ii) by such
removal the Equipment is not rendered any less useful or valuable to Lessor than
if such Improvement had not been made and later removed, and (iii) the Equipment
is returned in compliance with Section 13 herein. Upon Lessee's permitted
removal of a detachable Improvement and compliance with this Section 10, title
shall thereupon revert to Lessee free and clear of any claims of Lessor
whatsoever.
(b) Lessee shall notify Lessor not less than sixty (60) days prior to the
anticipated Acceptance Date of the type of Improvement Lessee desires to obtain.
Lessor may, within fifteen (15) days after receipt of such notice, offer to
lease or sell the Improvement to Lessee upon mutually agreeable terms and
conditions. Lessee shall notify Lessor of the terms of any offers from vendors
or other lessors and Lessor shall have the right to match all vendor's or other
lessor's offers within a reasonable time after Lessee notifies Lessor of such
offers. If Lessee leases the Improvement from Lessor, such Improvement shall be
on a separate Schedule with an Initial Lease Term co-terminous with that of the
Equipment.

11. LOSS AND DAMAGES; STIPULATED LOSS VALUE.
(a) LESSEE'S ASSUMPTION OF RISK. Lessee hereby assumes and shall bear the entire
risk of loss, damage, theft or destruction to the Equipment from any cause
whatsoever, or governmental taking. No loss, damage, theft or destruction to the
Equipment, or any part thereof, or governmental taking shall affect any
obligation of Lessee under this Lease, which shall continue in full force and
effect notwithstanding any such loss or damage. Lessee's assumption of risk of
loss shall commence when the Equipment or Item is placed in transit to Lessee
and shall continue until Lessor has received and accepted the surrendered
Equipment pursuant to Section 13.
(b) NOTICE OF LOSS OR DAMAGE. Lessee shall promptly notify Lessor of the loss,
damage, destruction, theft or governmental taking of any Item.
(c) DUTY TO REPAIR. Unless such Item is lost, stolen, damaged beyond repair or
there is a governmental taking ("Casualty Loss"), Lessee shall promptly repair
and restore such Item to the same condition, working order and appearance as of
the Acceptance Date.
(d) CASUALTY LOSS; PAYMENT OF STIPULATED LOSS VALUE. If the Equipment or any
Item is a Casualty Loss, then Lessee, at Lessee's option:
(1) shall pay Lessor in cash the Stipulated Loss Value (as per Attachment A to
this Master Lease) for such Equipment or Item calculated as of the next Monthly
Rent payment date, which amount shall be due and payable not later than thirty
(30) days after the date of the occurrence of the Casualty Loss. Upon payment of
the Stipulated Loss Value, and provided that no Event of Default (as hereinafter
defined) has occurred:
         (i) Lessee's obligation to pay Rent for all remaining Items shall
remain in full force and effect and shall terminate only with respect to such
Casualty Loss Item.
         (ii) Lessee shall become entitled to such Item, as-is, where-is,
without warranty, express or implied, with respect to any matter whatsoever; OR,
(2) shall continue all payments under the Lease without interruption as if no
such loss had occurred, and shall request that Lessor, within thirty (30) days
after the date of the occurrence of the Casualty Loss, replace the Casualty Loss
Item with a "Replacement Item". Lessee shall pay all costs of such Replacement
Item; provided, however, that the cost of the Replacement Item shall not exceed
Lessor's list price. Unless otherwise mutually agreed, the Replacement Item
shall be of the same manufacturer, model and type and of at least equal
capacity, function and value as the Casualty Loss Item.
(e) INSURANCE PROCEEDS. Lessee's obligation to repair or pay Stipulated Loss
Value shall not be contingent upon receipt of any insurance proceeds.

12. INSURANCE. Lessee shall at its expense keep each Item insured from every
cause whatever for not less than the Stipulated Loss Value thereof, and shall
carry public liability and property damage insurance in amounts acceptable to
Lessor. All such insurance shall be with companies acceptable to Lessor, and
shall name Lessor and its Assigns as additional insureds and, as to the all-risk
insurance, loss payees as their interests may appear. Such insurance policies
shall provide that they may not be invalidated against Lessor or its Assigns by
reason of any violation of a condition or breach of warranty of the policies or
the application therefor by Lessee and that Lessor shall be given written notice
thirty (30) days prior to any alteration or cancellation of such policies. The
proceeds of such insurance, if Lessee is not in default hereunder, shall be
applied to reimburse Lessee for Stipulated Loss Value to the extent previously
paid by Lessee; or shall be paid to Lessor or Assignee to the extent of
Stipulated Loss Value not previously paid by Lessee; or shall be applied to
repair the Equipment or to reimburse Lessee for repairs for which Lessee
previously paid. If Lessee is in default hereunder, then such insurance proceeds
shall be paid to Lessor or its Assigns to be applied to the satisfaction of
Lessee's obligations under the Lease. If Lessee fails to obtain or maintain
insurance as required under this Section, Lessor shall have the right to obtain
such insurance in accordance with Section 16 herein.

13. DELIVERY AND SURRENDER.
Lessee hereby assumes all cost and expense of the transportation, rigging,
drayage, unpacking and in-transit insurance to Lessee's premises and
installation of the Equipment. Upon the expiration of the Lease Term, or sooner
termination of this Lease with respect to any Item, Lessee shall (unless Lessee
has paid Lessor the Stipulated Loss Value of such Item pursuant to Section 11)
return at its expense, including but not limited to the expenses of
deinstallation, packing,

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transportation and in-transit insurance, the Item to a location designated by
Lessor in the same repair, condition, appearance and working order as of the
Acceptance Date, ordinary wear and tear from proper use alone excepted, and
certified as acceptable by the Equipment manufacturer for the standard
manufacturer's maintenance agreement.

14. TAX BENEFITS. Lessee acknowledges that Lessor or other owner of the
Equipment shall be entitled to claim for federal tax purposes (i) deductions on
Lessor's cost of the Equipment for each of its tax years during the Lease Term
under any method of depreciation or other cost recovery formula permitted by the
Internal Revenue Code of 1986, as amended (the "Code"); (ii) interest deductions
as permitted by the Code on the aggregate interest paid to any Assignee; and
(iii) investment tax credit, or similar credit, as may be available as of the
Acceptance Date to the owner of the Equipment (all the foregoing being hereafter
referred to as the "Tax Benefits"). Lessee agrees to take no action inconsistent
with the foregoing or which would result in the loss, disallowance, recapture or
unavailability of the Tax Benefits to Lessor or other owner of the Equipment.
Lessee hereby indemnifies Lessor or other owner of the Equipment from and
against (a) any loss, disallowance, unavailability or recapture of any Tax
Benefit resulting from any action or failure to act of Lessee, plus (b) all
interest, penalties, costs (including legal fees) or additions to tax resulting
from such loss, disallowance, unavailability or recapture.

15. TAXES. In addition to the Rent as provided in Section 5, Lessee shall be
responsible for the payment of all taxes (exclusive of taxes based on Lessor's
net income), fees, charges, licenses and assessments whatsoever, however
designated, whether based on the Rent or levied, assessed or imposed upon the
Equipment or upon or in respect of the manufacture, purchase, delivery,
ownership, leasing, use or return of the Equipment, now or hereafter levied,
assessed or imposed during the Lease Term by a federal, state or local taxing
jurisdiction, regardless of when and by whom payable. Notwithstanding the
foregoing, unless otherwise specified in the Schedule, Lessor shall be
responsible for filing all personal property tax returns with respect to the
Equipment and shall pay all taxes in connection with such filing. Lessee shall
reimburse Lessor for such personal property tax payments within ten (10) days of
receipt of Lessor's invoice therefor.

16. LESSOR'S PAYMENT. If Lessee fails to procure or maintain insurance or to pay
fees, assessments, charges, taxes or expenses, all as herein required, Lessor
shall have the right, but not the obligation, to pay the premiums for such
insurance and such fees, assessments, charges, taxes and expenses. In such
event, the cost thereof shall be Additional Rent payable to Lessor with the next
installment of Rent, plus interest, taxes and penalties, if any, imposed by the
charging entity, and the Late Charge from the date of such payment by Lessor
until receipt by Lessor of reimbursement from Lessee.

17. DISCLAIMER OF WARRANTIES.
(a) The following acknowledgments by Lessee are integral to this Lease and are
made to induce Lessor to enter into and perform under this Lease:
(1) EACH ITEM IS, AS OF ITS ACCEPTANCE DATE, OF A SIZE, DESIGN, TYPE AND
MANUFACTURE SELECTED BY LESSEE AND, AS BETWEEN LESSOR AND LESSEE, LESSEE HAS
UNCONDITIONALLY ACCEPTED SUCH ITEM.
(2) SINCE LESSOR IS NOT THE MANUFACTURER OF THE EQUIPMENT OR AGENT OF THE
MANUFACTURER, LESSEE ACCEPTS THE EQUIPMENT FROM LESSOR "AS IS".
(3) LESSOR SHALL HAVE NO LIABILITY TO LESSEE FOR ANY CLAIM, LOSS OR DAMAGE
CAUSED OR ALLEGED TO BE CAUSED DIRECTLY, INDIRECTLY, INCIDENTLY OR
CONSEQUENTIALLY BY THE EQUIPMENT, BY ANY INADEQUACY THEREOF OR DEFECT THEREIN,
OR BY ANY INCIDENT WHATSOEVER IN CONNECTION THEREWITH, ARISING IN STRICT
LIABILITY, NEGLIGENCE OR OTHERWISE, OR IN ANY WAY RELATING TO OR ARISING OUT OF
THE LEASE, WHETHER OR NOT KNOWN OR DISCLOSED TO LESSOR.
(4) LESSOR MAKES NO EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING THOSE
OF MERCHANTABILITY, DURABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE, OR
RELATING TO PATENT INFRINGEMENT OR THE LIKE WITH RESPECT TO THE EQUIPMENT AND
EXPRESSLY DISCLAIMS THE SAME.
(5) IT IS AGREED AND UNDERSTOOD THAT LESSOR SHALL HAVE NO OBLIGATION TO INSTALL,
TEST, ADJUST, REPAIR OR SERVICE THE EQUIPMENT.
(b) Lessor warrants that Lessor has the right to lease the Equipment to Lessee
under the terms of this Lease. So long as no Event of Default has occurred,
Lessee shall have the right during the Lease Term to obtain the benefit of and
enforce in Lessee's own name and at Lessee's sole expense any manufacturer's
warranty in respect of the Equipment to the extent such warranty is assignable.

18. INDEMNIFICATION. Except for the gross negligence of Lessor, Lessee hereby
assumes liability for and indemnifies, protects, saves and keeps harmless Lessor
and its Assignees from and against any and all liabilities, losses, damages,
penalties, claims, actions, suits, costs and expenses, including attorneys' fees
and other legal expenses, imposed on, incurred by, or asserted against Lessor or
its Assignees (whether or not also indemnified against by any other person) in
any way relating to or arising out of this Lease or the manufacture, purchase,
ownership, delivery, lease, possession, use, operation, condition, return or
other disposition of the Equipment by Lessor or Lessee, including without
limitation, latent and other defects, whether or not discoverable by Lessor or
Lessee, any claim for patent, trademark or copyright infringement, or any claim
arising out of strict liability. Lessee agrees to give Lessor, and Lessor agrees
to give Lessee, prompt written notice of any claim or liability hereby
indemnified against. The indemnities and assumptions of liability set forth in
this Section 18 do not guarantee a residual value of the Equipment; nor shall
they be construed to limit or restrict Lessee's right to prosecute any claim,
action or suit against the manufacturer of the Equipment.

19. EVENTS OF DEFAULT; REMEDIES.
(a) EVENTS OF DEFAULT. Occurrence of any of the following events or conditions
shall constitute an Event of Default hereunder.
(1) Lessee's failure to pay, when due, any Rent, and such failure continues for
a period of ten (10) days after notice that such Rent is overdue; or
(2) Except as expressly permitted in the Lease, Lessee attempts to remove, sell,
encumber, assign or sublease or fails to insure the Equipment, or fails (within
five (5) days after notice of such failure) to deliver any document required of
Lessee under the Lease; or
(3) Failure of Lessee to perform, within thirty (30) days after Lessor gives
Lessee notice of such failure (or, with respect to performance which cannot be
completed in such time, failure to commence such performance within such time
and to pursue such performance diligently thereafter) any other obligation, term
or condition of this Lease; or
(4) A writ, order of attachment, execution or other legal process is levied on
or charged against any Item and not released or satisfied within ten (10) days
after Lessee is notified thereof; or
(5) The filing by or against Lessee of a petition under any federal or state
bankruptcy or insolvency law or law providing for the relief of debtors, the
making by Lessee of any general assignment for the benefit of creditors, the
appointment of a receiver or trustee for Lessee or for any of Lessee's assets,
or any formal or informal proceeding for the dissolution, liquidation,
settlement of claims against, or winding up of the affairs of

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Lessee, any of which remains undismissed for forty-five (45) days; or the
making by Lessee of a transfer of all or a material portion of Lessee's assets
or inventory not in the ordinary course of business, or the admission by Lessee
of inability to pay debts as they become due; or
(6) The occurrence of any event described in Subsection 19(a)(5) with respect to
any guarantor or any other party liable for payment or performance of this
Lease; or
(7) if any certificate, statement, representation, warranty or financial
information previously or hereafter furnished by or on behalf of Lessee or any
guarantor or other party liable for payment or performance of the Lease proves
to have been false or misleading in any material respect as of the time made or
furnished to Lessor, or to have been afterward breached; or
(8) The giving to Lessee of three (3) notices pursuant to one or more of
Subsections 19(a)(1), (2) or (3) within any consecutive twelve (12) month
period, notwithstanding Lessee's cure of the defaults within the notice periods
applicable.
(b) REMEDIES. Upon the occurrence of an Event of Default:
(1) Lessee hereby authorizes Lessor without notice or process of law to enter
any premises where the Equipment is located and take possession of and remove
the Equipment; and
(2) Lessee shall forthwith and without demand pay to Lessor as liquidated
damages for loss of a bargain and not as a penalty an amount equal to the
Stipulated Loss Value for the Equipment computed as of the date of the Monthly
Rent payment last received by Lessor, plus all previously due but unpaid Rent
and all other sums due under this Lease and all legal and other expenses
incurred by Lessor in enforcing its remedies hereunder; and
(3) Lessor may upon notice to Lessee effective immediately terminate the Lease,
but such termination shall not affect Lessor's right to enforce the remedies
granted to Lessor in this Subsection 19(b); and
(4) Lessor may pursue any other remedy available at law or in equity.
(5) Lessor may sell the Equipment at public or private sale, without notice and
without having the Equipment present at the place of sale; or Lessor may lease,
otherwise dispose of or keep idle all or part of the Equipment; subject,
however, to Lessor's obligation to mitigate damages. The proceeds of any such
sale, lease or other disposition, if any, of the Equipment shall be applied as
follows: FIRST, to Lessor's costs and expenses incurred in taking, removing,
holding, repairing and selling, leasing or otherwise disposing of the Equipment
including legal fees and costs; SECOND, to pay to Lessor the Stipulated Loss
Value to the extent not previously paid by Lessee and all previously due but
unpaid Rent; THIRD, to reimburse to Lessee the Stipulated Loss Value to the
extent previously paid by Lessee pursuant to Subsection 19(b)(2); and FOURTH,
any surplus to Lessor.
Notwithstanding repossession or any other action which Lessor may take, Lessee
shall be and remain liable for the full performance of all its obligations under
this Lease. Lessee hereby waives any requirement of law, now or hereafter in
effect, which might limit or modify any of the remedies herein provided, to the
extent that such waiver is permitted by law. No right or remedy of Lessor herein
granted is exclusive of any other right or remedy herein or by law or equity
provided or permitted; but each shall be cumulative of every other right or
remedy given hereunder or now or hereafter existing at law or in equity or by
statute or otherwise, and may be enforced concurrently or from time to time, and
in any order.
(c) LESSOR'S EXPENSES. Lessee shall pay Lessor all costs and expenses, including
attorneys' fees, incurred by Lessor in exercising any of its rights or remedies
hereunder or enforcing any of the terms, conditions, or provisions hereof.
(d) TO THE EXTENT PERMITTED BY APPLICABLE LAW, LESSEE WAIVES ANY AND ALL RIGHTS
AND REMEDIES CONFERRED UPON A LESSEE BY ARTICLE 2A OF THE UNIFORM COMMERCIAL
CODE THAT ARE IN CONFLICT WITH THE PROVISIONS OF THIS MASTER LEASE.

20. ASSIGNMENT.
(a) BY LESSEE. LESSEE SHALL KEEP THE LEASE AND THE EQUIPMENT FREE AND CLEAR OF
ALL LIENS AND ENCUMBRANCES OF WHATSOEVER KIND (EXCEPT THOSE CREATED BY OR
THROUGH LESSOR) AND LESSEE SHALL NOT ASSIGN, TRANSFER, SUBLEASE OR IN ANY WAY
TRANSFER OR DISPOSE OF ITS INTERESTS OR OBLIGATIONS UNDER THE LEASE OR IN THE
EQUIPMENT WITHOUT LESSOR'S PRIOR WRITTEN CONSENT. NO ASSIGNMENT, TRANSFER,
SUBLEASE OR OTHER DISPOSITION BY LESSEE SHALL IN ANY MANNER WHATSOEVER RELIEVE
LESSEE OF ANY OBLIGATION HEREUNDER, AND LESSEE SHALL REMAIN PRIMARILY LIABLE TO
PAY RENT AND PERFORM ALL ITS OBLIGATIONS HEREUNDER.
Lessee shall notify Lessor of the terms of any sublease offers from other users
of equipment or other lessors and Lessor shall have the right to match all
other user's or other lessor's offers within a reasonable time after Lessee
notifies Lessor of such offers.
(b) BY LESSOR. All rights of Lessor hereunder or to the Equipment may be sold,
assigned, pledged, mortgaged or otherwise transferred, either in whole or in
part, without notice to Lessee but always, however, subject to the rights of
Lessee under this Lease. If Lessor sells the Equipment or assigns this Lease or
the Rent due or to become due hereunder or any other interest herein, whether as
security for any of its indebtedness or otherwise, no breach or default by
Lessor hereunder or pursuant to any other agreement between Lessor and Lessee,
should there be one, shall excuse performance by Lessee of any provision hereof.
No such vendee or assignee (each an "Assignee") shall be obligated to perform
any duty, covenant or condition required to be performed by Lessor under the
terms of this Lease; except that Lessor covenants with Lessee not to transfer
any interest in the Lease or the Equipment to any Assignee unless such Assignee
agrees in writing not to disturb Lessee's quiet enjoyment of the Equipment while
no Event of Default has occurred. Lessee acknowledges that any such sale,
assignment or grant of security interest shall not materially change Lessee's
obligations under this Lease nor materially increase the burdens imposed on
Lessee. Lessee agrees and acknowledges that any such Assignee shall rely on and
be entitled to the benefit of the provisions of this Lease. Lessee agrees to
acknowledge any such assignment within five (5) days of receipt of written
request to do so in the form requested by Lessor.
LESSEE'S OBLIGATION TO PAY RENT IS ABSOLUTE AND UNCONDITIONAL AND LESSEE SHALL
NOT ASSERT AGAINST ANY ASSIGNEE ANY DEFENSE, COUNTERCLAIM OR SETOFF THAT THE
LESSEE MAY HAVE AGAINST THE LESSOR OR ANY OTHER PARTY, AND LESSEE ACKNOWLEDGES
THAT ANY ASSIGNEE IS RELYING ON THE FOREGOING.

21. OWNERSHIP. Lessee shall have no right, title or interest in the Equipment
except as expressly set forth in the Lease, which interest is a leasehold
interest. Lessor and Lessee agree, and Lessee represents for the benefit of
Lessor and its Assignees, that the Lease is intended to be a "finance lease" and
not a "lease intended as security" as those terms are used in Article 2A of the
UCC. Lessor may upon notice to Lessee advise Lessee that certain Items are
leased to Lessor and provided to Lessee under the Lease as a sublease. Lessee
agrees to execute and deliver such acknowledgments and assignments in connection
with such Lease as are reasonably required. If, at any time during the Lease
Term, Lessor's right to lease the Equipment expires, Lessor may remove the
Equipment from Lessee's premises and immediately provide identical substitute
Equipment. All expenses of such substitution shall be borne by Lessor.

22. PERSONAL PROPERTY. The Equipment is, and shall at all times be and remain,
personal property, notwithstanding that the Equipment or any Item or part
thereof may now be, or hereafter become, in any manner affixed or attached to
any real property. If requested by Lessor

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prior to or at any time during the Lease Term, Lessee will obtain and deliver
to Lessor waivers of interest or liens in recordable form and satisfactory to
Lessor, from all persons claiming any interest in the real property on which
such Item or Equipment is installed or located.

23. NET LEASE; OFFSET. This lease is a net lease, it being the intention of the
parties that all costs, expenses and liabilities associated with the Equipment
or its lease shall be the obligations of Lessee. Except in the event of a
Casualty Loss and payment of Stipulated Loss Value pursuant to Section 11,
Lessee shall not be entitled, and hereby waives any right it may have, to any
abatement of Rent or other payments due hereunder or any reduction thereof under
any circumstances or for any reason whatsoever.

24. FINANCIAL AND OTHER COVENANTS.
(a) Lessee hereby represents, warrants and agrees with Lessor and any Assignee
as follows:
(1) Lessee is a legal entity, duly organized, validly existing and in good
standing under the laws of the jurisdiction of its organization and in each
jurisdiction where the Equipment will be located and has adequate power to enter
into and perform the Master Lease and each Schedule.
(2) The Master Lease and each Schedule have been duly authorized, executed and
delivered by Lessee, and constitute valid, legal and binding agreements of
Lessee, enforceable in accordance with their terms.
(3) The entering into and performance of the Master Lease and each Schedule does
not and will not violate any judgment, order, law or regulation applicable to
Lessee or any provision of Lessee's Articles of Incorporation or Bylaws, or
result in any breach of, or constitute a default under, or result in the
creation of any lien, charge, security interest or other encumbrance upon any
assets of Lessee or on the Equipment pursuant to any instrument to which Lessee
is a party or by which it or its assets may be bound.
(4) There are no actions, suits or proceedings pending, or to the knowledge of
Lessee threatened, before any court, administrative agency, arbitrator or
governmental body which will, if determined adversely to Lessee, materially
adversely affect its ability to perform its obligations under this Master Lease,
any Schedule or any related agreement to which it is a party.
(5) No consent or approval of, giving of notice to, registration with, or taking
of any other action in respect of any state, federal or other governmental
authority or agency is required with respect to the execution, delivery and
performance by Lessee of the Master Lease or any Schedule, or, if any such
approval, notice, registration or action is required, it has been obtained.
(6) Prior to and during the Lease Term, Lessee will furnish Lessor with Lessee's
audited financial statements. If Lessee is a subsidiary of another company,
Lessee shall supply such company's financial statements and guarantees as are
reasonably acceptable to Lessor. Lessor's obligation to perform under any Lease
is subject to the condition that the financial statements furnished to Lessor by
Lessee present the financial condition and results of operations of Lessee and
its affiliated corporations, if any, and any guarantor of Lessee's obligations
under any Lease, as of the date of such financial statements, and that since the
date of such statements there have been no material adverse changes in the
assets or liabilities, the financial condition or other condition which in
Lessor's or Assignee's sole discretion are deemed to be materially adverse.
(b) Upon Lessor's request, Lessee shall, with respect to each Lease, deliver to
Lessor (i) a certificate of a secretarial officer of Lessee certifying the
bylaw, resolution (specific or general) or corporate action authorizing the
transaction contemplated in the Lease; (ii) an incumbency certificate certifying
that the person signing this Master Lease and the Schedule holds the office the
person purports to hold and has authority to sign on behalf of Lessee; (iii) an
opinion of counsel with respect to the representations in this Section 24, (iv)
an agreement with Lessor's Assignee with regard to any assignment as referred to
in Subsection 20(b), (v) purchase documents if Lessee has sold or assigned its
interest in the Equipment to Lessor, (vi) an insurance certificate evidencing
the insurance provided by Lessee pursuant to Section 12; and (vii) Certificate
of Acceptance(s) duly executed by Lessee.
(c) The foregoing representations, warranties and agreements shall continue
throughout the Lease Term and shall, upon request of Lessor be made to any
Assignee.

25. LESSEE CHANGE OF OWNERSHIP; FINANCIAL CONDITION.
(a) During the Lease Term should controlling interest in Lessee be acquired by
another company, or should a substantial portion of Lessee's assets be acquired
by another entity, such other company or entity shall (i) agree in writing to be
bound by the terms and conditions of this Lease and, if requested by Lessor,
shall (ii) execute and deliver to Lessor guaranty in form and substance
acceptable to Lessor.
(b) If, at any time during the Lease Term, upon the occurrence of an event
described in Subsection 25(a) or for any other reason, Lessor reasonably
determines that there has been a material adverse change in the financial
condition of Lessee or Lessee's ability to meet current or future obligations
under the Lease, then Lessee, upon Lessor's request, shall provide to Lessor
additional security acceptable to Lessor for Lessee's obligations hereunder.

26. NON-WAIVER. No covenant or condition of this Lease can be waived except by
written consent of Lessor. The waiver by Lessor of any breach of Lessee shall
not be a waiver of any other breach of the same or any other obligation. The
subsequent acceptance of Rent by Lessor shall not be deemed a waiver of any such
prior existing breach at the time of acceptance of such Rent payment.

27. NOTICES. Any notice, consent or request required or permitted hereunder
shall be in writing and will be conclusively deemed to have been received by a
party hereto on the day it is delivered to such party at the address set forth
above (or at such other address as such party specifies to the other in writing)
and shall be sent by registered mail, return receipt requested, overnight
courier service, or facsimile (with telephonic verification of receipt).

28. SEVERABILITY. Any provision of the Lease prohibited by or unlawful or
unenforceable under any applicable law or any jurisdiction shall be ineffective
as to such jurisdiction without invalidating the remaining provisions of the
Lease.

29. SECURITY INTEREST. Each Schedule shall be executed in three counterparts,
consecutively numbered. To the extent, if any, that a Schedule constitutes
chattel paper (as such term is defined in the UCC) no security interest may be
created through the transfer and possession of any counterpart other than that
designated "Counterpart No. 1".

30. SUSPENSION OF OBLIGATIONS OF LESSOR. Prior to delivery of any Item
hereunder, the obligations of Lessor will be suspended to the extent that it is
hindered or prevented from complying therewith because of labor disturbances,
including but not limited to, strikes and lockouts, or acts of God, fires,
storms, accidents, failure of the manufacturer to deliver any Item, governmental
regulations or interference or any cause whatsoever not within the exclusive
control of Lessor.

31. NON-SPECIFIED FEATURES. If Equipment delivered pursuant to any Lease
contains any feature not specified therein, Lessee grants Lessor, at Lessor's
option and expense, the right to remove or deactivate any such feature. Such
removal or deactivation shall be performed by the manufacturer or other
acceptable party at the request of Lessor at a time convenient to Lessee,
provided that Lessee shall not unreasonably

                                       5
<PAGE>

delay the removal or deactivation of such feature.

32. MISCELLANEOUS.
(a) Lessor and Lessee acknowledge that there are no agreements or
understandings, written or oral, between Lessor and Lessee with respect to the
Equipment, other than as set forth in the Lease, and the Lease contains the
entire agreement between Lessor and Lessee with respect thereto. NEITHER THE
MASTER LEASE NOR ANY SCHEDULE MAY BE ALTERED, MODIFIED, TERMINATED OR DISCHARGED
EXCEPT BY A WRITING SIGNED BY BOTH PARTIES.
(b) If there is more than one Lessee named in this Lease, the liability of each
shall be joint and several.
(c) Section headings are for convenience only and shall not be construed as part
of the Lease.
(d) Time is of the essence of this Lease and each and all of its provisions.
(e) This Lease shall be governed by the laws of the State of California without
giving effect to the principles of conflict of laws, and shall be deemed to have
been made in California.
(f) LESSEE AND LESSOR HEREBY WAIVE ANY RIGHT TO A JURY TRIAL WITH RESPECT TO
MATTERS ARISING OUT OF THIS LEASE.
(g) Lessee's obligations and liabilities hereunder shall not be affected by, and
shall survive, the expiration or earlier termination of this Lease.
(h) This Lease shall inure to the benefit of and shall be binding upon Lessee
and Lessor and their respective successors and assigns.

IN WITNESS WHEREOF, THE PARTIES HAVE EXECUTED THIS MASTER LEASE AS OF THE DATE
FIRST ABOVE WRITTEN.

LESSOR: INSIGHT INVESTMENTS, CORP.              LESSEE: HOMESTEAD TECHNOLOGIES

By:      /s/ JOHN FORD                          By:    /s/ Justin Shelby Kitch
   -------------------------------                 ---------------------------
Name:    JOHN FORD                              Name:  JUSTIN SHELBY KITCH
     -----------------------------                   -------------------------
Title:   PRESIDENT                              Title: PRESIDENT & CEO
      ----------------------------                    ------------------------

                                       6
<PAGE>

                                  ATTACHMENT A
                  TO MASTER LEASE NO. 6400, DATED APRIL 7, 1999
                  BETWEEN INSIGHT INVESTMENTS, CORP., AS LESSOR
                      AND HOMESTEAD TECHNOLOGIES, AS LESSEE

Stipulated Loss Value is calculated by multiplying the percentage set forth
opposite the applicable Monthly Rent payment number by the list price of the
Equipment or Item, as applicable.

<TABLE>
<CAPTION>

Rent Payment               Stip. Loss    Rent Payment       Stip. Loss    Rent Payment       Stip. Loss
Number                     Percent       Number             Percent       Number             Percent
<S>                        <C>           <C>                <C>           <C>                <C>

1                          108.20%       21                 87.80%        41                 67.40%
2                          107.18%       22                 86.78%        42                 66.38%
3                          106.15%       23                 85.76%        43                 65.36%
4                          105.14%       24                 84.74%        44                 64.34%
5                          104.12%       25                 83.72%        45                 63.32%
6                          103.10%       26                 82.70%        46                 62.30%
7                          102.08%       27                 81.68%        47                 61.28%
8                          101.06%       28                 80.66%        48                 60.26%
9                          100.04%       29                 79.64%        49                 59.24%
10                         99.02%        30                 78.62%        50                 58.22%
11                         98.00%        31                 77.60%        51                 57.20%
12                         96.98%        32                 76.58%        52                 56.18%
13                         95.96%        33                 75.56%        53                 55.16%
14                         94.94%        34                 74.54%        54                 54.14%
15                         93.92%        35                 73.52%        55                 53.12%
16                         92.90%        36                 72.50%        56                 52.10%
17                         91.88%        37                 71.48%        57                 51.08%
18                         90.86%        38                 70.46%        58                 50.06%
19                         89.84%        39                 69.44%        59                 49.04%
20                         88.82%        40                 68.42%        60                 48.02%
                                                                          AND THEREAFTER
</TABLE>

LESSOR:  INSIGHT INVESTMENTS CORP.             LESSEE:  HOMESTEAD TECHNOLOGIES

By:    /s/ JOHN FORD                           By:    /s/ Justin Shelby Kitch
   --------------------------------               ----------------------------
Name:  JOHN FORD                               Name:
     ------------------------------                 --------------------------
Title: PRESIDENT                               Title:
      -----------------------------                  -------------------------

<PAGE>

                            CERTIFICATE OF INCUMBENCY

         The undersigned hereby certifies (a) that I hold the office of
SECRETARY for HOMESTEAD TECHNOLOGIES a corporation duly organized and validly
existing under the laws of the State of California, and that as such officer I
have access to the original books and records of said corporation and am
authorized to make and deliver this certificate; (b) that the individuals named
below have been duly appointed to and currently holds the position of said
corporation set forth opposite his name; (c) and further, the person designated
below has been given authority to act on behalf of and to bind the corporation
with respect to transactions involving the leasing of equipment between Insight
Investments, Corp. as "Lessor" and HOMESTEAD TECHNOLOGIES as "Lessee" under
Master Lease Number 6400, dated APRIL 7, 1999; and (d) that the following is the
genuine signature of said individual or of an individual authorized to sign said
individual's name to wit:

                Name             Office                    Signature
             --------          ----------                -------------

1.  JUSTIN SHELBY KITCH       PRESIDENT & CEO        /s/ Justin Shelby Kitch
  -----------------------    ------------------     ---------------------------

2.
  -----------------------    ------------------     ---------------------------

         IN WITNESS WHEREOF, I have hereunto set my hand and affixed the seal of
said corporation this 11th day of May, 1999

                                          /s/ Justin Shelby Kitch
                                         -----------------------------------
                                          By:

                                          SECRETARY
                                         -----------------------------------
                                          Its:

(Corporate Seal)

<PAGE>

                                 AMENDMENT NO. 1
             TO MASTER LEASE AGREEMENT NO. 6400 DATED APRIL 7, 1999
              BY AND BETWEEN INSIGHT INVESTMENTS, CORP., AS LESSOR
                   AND HOMESTEAD TECHNOLOGIES INC., AS LESSEE
                       (THE "MASTER LEASE" OR THE "LEASE")

     The terms and conditions of the Master Lease are hereby modified and
amended as follows:

1.   Lessee's name set forth in the Master Lease is hereby amended from
     Homestead Technologies to Homestead Technologies Inc.

2.   Lessee's state of incorporation set forth in the Master Lease is hereby
     amended from California to Delaware.

All other terms and conditions of the Master Lease shall remain the same.

IN WITNESS WHEREOF, the parties hereto have executed this Amendment No. 1 as of
the 1st day of July, 1999.

INSIGHT INVESTMENTS, CORP.                    HOMESTEAD TECHNOLOGIES INC.
LESSOR                                       LESSEE

By:                                          By:    /s/ Justin Shelby Kitch
   ----------------------------                    ----------------------------
Name:                                        Name:    JUSTIN SHELBY KITCH

Title:                                       Title:    PRESIDENT & CEO

<PAGE>

                       SCHEDULE NO. 1, DATED JULY 6, 1999
      INCORPORATING BY REFERENCE MASTER LEASE NO. 6400 DATED APRIL 7, 1999
                 BETWEEN INSIGHT INVESTMENTS, CORP., AS LESSOR,
                     AND HOMESTEAD TECHNOLOGIES, AS LESSEE.

LESSEE HEREBY LEASES THE DESCRIBED EQUIPMENT FROM LESSOR, AND LESSOR BY
ACCEPTANCE OF THIS LEASE, AGREES TO LEASE THE EQUIPMENT TO LESSEE ON THE TERMS
AND CONDITIONS IN THIS EQUIPMENT SCHEDULE AND THE MASTER LEASE, WHICH IS
INCORPORATED HEREIN BY REFERENCE. THIS EQUIPMENT SCHEDULE AND THE MASTER LEASE
CONSTITUTE THE ENTIRE AGREEMENT BETWEEN LESSOR AND LESSEE AS TO THE LEASE OF THE
EQUIPMENT.

<TABLE>
<S>      <C>                        <C>

1.       EQUIPMENT DESCRIPTION AND LOCATION DESCRIBED ON ATTACHMENT "A"

2        EQUIPMENT COST:            $162,463.28

3.       MONTHLY RENT:              $5,605.00/month

4.       INITIAL LEASE TERM:        36 months

5.       COMMENCEMENT DATE:         07/01/1999

6.       PURCHASE OPTION:           Lessee may purchase the equipment for the then fair market value,
                                    return to IIC or continue leasing. Each equipment schedule purchased
                                    or renewed must be done so on an all or nothing basis. Provided all
                                    monies due and payable IIC, or its assigns has been received, IIC will
                                    finance the buyout of the equipment at the then current market rate.
7.       Other:

         Lessee hereby authorizes Lessor to insert and/or revise serial numbers
         and other information relevant to the proper identification and/or
         description of the Equipment subsequent to Lessee's execution of this
         Equipment Schedule and any Attachment A thereto.

</TABLE>

LESSOR:  INSIGHT INVESTMENTS, CORP.   LESSEE: Homestead Technologies

By:                                   By:   /s/ Justin Shelby Kitch    7/13/97
     -----------------------------         ------------------------------------
Name:                                 Name:   JUSTIN SHELBY KITCH
      ----------------------------           ----------------------------------
Title:                                Title:   PRESIDENT & CEO
      ----------------------------           ----------------------------------

     THIS IS COUNTERPART NO. 3 OF THREE (3) SERIALLY NUMBERED COUNTERPARTS.
  To the extent that an Equipment Schedule constitutes chattel paper under the
    Uniform Commercial Code no security interest may be created through the
    transfer and possession of any counterpart other than counterpart No. 1.

<PAGE>

                        NOTICE OF ASSIGNMENT AND
                        LESSEE'S ACKNOWLEDGEMENT

To:      Homestead Technologies
         3475H Edison Way
         Menlo Park, CA  94025

Please be advised that Insight Investments Corporation ("Lessor") has
assigned to Charter Financial, Inc all rights of Lessor in the equipment
schedules listed below ("the Schedules") to the Lease No. 6400 between you
and Lessor dated, April 7, 1999 ("the Lease"), including all rights to
receive the lease payments listed below payable by you commencing with the
first payment referenced below and continuing up to and including the last
payment referenced below and all other sums which may become due and payable
from you to Lessor under the Schedule.

<TABLE>
<CAPTION>
         SCHEDULE    PAYMENT     NO. OF MONTHS     FIRST PAYMENT/LAST PAYMENT
         <S>        <C>          <C>               <C>
              1     $5,605.00          35          August 1, 1999/June 1, 2002
</TABLE>

Except as otherwise directed by the Charter Financial, Inc., please pay any
and all rents including the interim rent and any other amounts payable by you
under the Schedule directly to the address listed below:

                             CHARTER FINANCIAL, INC.
                                 P.O. BOX 11509
                              CHURCH STREET STATION
                             NEW YORK, NY 10286-1509

Please acknowledge this assignment on the following page.

                                           INSIGHT INVESTMENTS CORP.
                                           (Lessor)

                                           By:
                                              --------------------------------

                                           Title:
                                                 -----------------------------

<PAGE>

The undersigned acknowledges receipt of the foregoing Notice of Assignment
and in consideration of the financing extended by Charter Financial, Inc. to
Lessor and the benefits derived there from to the undersigned agrees: (1) to
be bound by the provision of the Lease, the Schedule and the foregoing Notice
of Assignment; (2) that the undersigned has received no notice of any other
assignments or claims relating to the Schedule and has no reason to refuse to
make payments of rent and other proceeds due thereunder to Charter Financial,
Inc.; (3) not to amend the Lease or Schedule or substitute the equipment
subject to the Schedule without prior written consent of Charter Financial,
Inc.; (4) that the Lease and Schedule as executed are binding and legally
enforceable against the undersigned in accordance with their terms; and (5)
to make payments to Charter Financial, Inc. until instructed to do otherwise
by Charter Financial, Inc. without any set-off or deduction whatsoever,
notwithstanding any defect in, damage to or requisition of any of the
equipment leased under the Schedule, or any other similar or dissimilar
event, or any defense, set-off, counterclaim or recoupment arising out of any
claim the undersigned may have against Lessor, it being understood that the
undersigned retains the right to assert any such claim in a separate action
against Lessor.

The undersigned further acknowledges that Charter Financial, Inc. has not
assumed any duties of Lessor under the Lease or Schedule and has made no
representations or warranties whatsoever as to the Lease, the Schedule or any
of the leased equipment.

Section 19(a)(3) of the Lease is hereby deemed amended and restated in its
entirety, as follows: "Failure of Lessee to perform, within thirty (30) days
after Lessor gives Lessee notice of any such failure, any other obligation,
term or condition of this Lease; or".

Section 19(a) of the Lease is hereby deemed amended to include subsection (9)
stated as follows: "Lessee or any guarantor of any of Lessee's obligations
hereunder shall be in breach of or in default in the payment or performance
of any obligation owing to Lessor whether or not related to this Lease and
howsoever arising, whether by operation of law or otherwise, present or
future, contracted for or acquired, and whether joint, several, absolute,
contingent, secured, unsecured, matured or unmatured. If this Lease is deemed
at any time to be one intended as security, Lessee agrees that the Equipment
shall secure, in addition to the indebtedness set forth herein, any other
indebtedness at any time owing by Lessee to Lessor."

Notwithstanding anything to the contrary, set forth in the Lease or
elsewhere, Lessor and any Assignee of Lessor shall have the right to assign
or transfer any interest in the Lease or any Schedule without obtaining the
written agreement of any Assignee not to disturb Lessee's quiet enjoyment of
the Equipment while no Event of Default has occurred, provided, however that
Lessor shall indemnify Lessee from any loss resulting from such Assignee's
disturbance of Lessee's quiet enjoyment of the Equipment while no Event of
Default has occurred.

If the Lease is deemed at any time to be one intended as security, Lessee
agrees that the Equipment shall secure the indebtedness set forth in the
Schedule and any other indebtedness at any time owing by Lessee to Charter
Financial, Inc.

                                       HOMESTEAD TECHNOLOGIES
                                       (Lessor)

                                       By:    /S/ JUSTIN SHELBY KITCH
                                          ------------------------------------
                                       Title:   PRESIDENT & CEO
                                             ---------------------------------
                                       Date:  7/13/99
                                            ----------------------------------

<PAGE>

                      SCHEDULE NO.2, DATED AUGUST 10, 1999
      INCORPORATING BY REFERENCE MASTER LEASE NO. 6400 DATED APRIL 7, 1999
                 BETWEEN INSIGHT INVESTMENTS, CORP., AS LESSOR,
                   AND HOMESTEAD TECHNOLOGIES INC., AS LESSEE.

LESSEE HEREBY LEASES THE DESCRIBED EQUIPMENT FROM LESSOR, AND LESSOR BY
ACCEPTANCE OF THIS LEASE, AGREES TO LEASE THE EQUIPMENT TO LESSEE ON THE
TERMS AND CONDITIONS IN THIS EQUIPMENT SCHEDULE AND THE MASTER LEASE, WHICH
IS INCORPORATED HEREIN BY REFERENCE. THIS EQUIPMENT SCHEDULE AND THE MASTER
LEASE CONSTITUTE THE ENTIRE AGREEMENT BETWEEN LESSOR AND LESSEE AS TO THE
LEASE OF THE EQUIPMENT.

1.       EQUIPMENT DESCRIPTION AND LOCATION DESCRIBED ON ATTACHMENT "A"

2        EQUIPMENT COST:            $166,477.80

3.       MONTHLY RENT:              $5,744.00/month

4.       INITIAL LEASE TERM:        36 months

5.       COMMENCEMENT DATE:         09/01/1999

6.       END OF TERM OPTION:        Lessee may purchase the equipment for the
                                    then fair market value, return to IIC or
                                    continue leasing. Each equipment schedule
                                    purchased or renewed must be done so on an
                                    all or nothing basis.  Provided all monies
                                    due and payable IIC, or its assigns has
                                    been received, IIC will finance the buyout
                                    of the equipment at the then current market
                                    rate.

7.       Other:

         Lessee hereby authorizes Lessor to insert and/or revise serial numbers
         and other information relevant to the proper identification and/or
         description of the Equipment subsequent to Lessee's execution of this
         Equipment Schedule and any Attachment A thereto.

LESSOR: INSIGHT INVESTMENTS, CORP.         LESSEE: HOMESTEAD TECHNOLOGIES INC.

By:                                        By:      /s/ JUSTIN SHELBY KITCH
   -----------------------------------        --------------------------------

Name:                                      Name:    JUSTIN SHELBY KITCH
     ---------------------------------          ------------------------------

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

     THIS IS COUNTERPART NO. 1 OF THREE (3) SERIALLY NUMBERED COUNTERPARTS.
  To the extent that an Equipment Schedule constitutes chattel paper under the
    Uniform Commercial Code, no security interest may be created through the
    transfer and possession of any counterpart other than counterpart No. 1.

<PAGE>

                              NOTICE OF ASSIGNMENT
                              (Assignment of Lease)

September 27, 1999

Homestead Technologies Inc.
3475H Edison Way
Menlo Park, CA 94025

Dear Sir or Madam;

Reference is made to Master Lease Agreement No. 6400 dated as of April 7, 1999
(the "Master Lease") and Schedule No. 2 dated August 10, 1999 between Insight
Investments, Corp. ("Insight") as Lessor and HOMESTEAD TECHNOLOGIES INC. as
Lessee (the "Schedule"). The Schedule and Master Lease are collectively referred
to herein as the "Lease".

Please be advised that Insight has assigned all its right, title and interest in
the Lease effective NOVEMBER 1, 1999 to DATA SALES CO., INC. the "Assignee".
This is to notify you of the assignment and to authorize you to send all Monthly
Rent payments commencing with that payment due (date of first payment assigned)
to:

                              DATA SALES CO., INC.
                          3450 WEST BURNSVILLE PARKWAY
                              BURNSVILLE, MN 55337

The Assignee shall perform all duties and obligations of Lessor under the Lease
and shall have the right as of the date of assignment to direct that remittances
be made to a different address or a new assignee.

All future invoices, including those for sales or use taxes, will be received
from Insight Investments, Corp. or its Assignee.

In addition, this letter will confirm that the leased equipment has been
installed and accepted. The Lease is for a period of 36 months. Rental payments
commenced SEPTEMBER 1, 1999 and will end AUGUST 31, 2002. As of the date of the
assignment, there will be 34 remaining monthly payments of $5,744.00 each
commencing NOVEMBER 1, 1999 and ending AUGUST 1, 2002.

<PAGE>

Please sign the original and a copy of this letter indicating that: (i) the
Lessee will be bound by the Lease, the Schedule and this Notice of Assignment
(ii) Lessee has received no notice of any other assignments of or claims
relating to the Schedule and has no reason to refuse to make payments of rent or
other proceeds due under the Lease (iii) the Lease and Schedule as executed are
binding and legally enforceable against the Lessee in accordance with their
terms; (iv) no defaults exists on the part of the Lessee; and (v) the Lessee
will make payments without any setoffs or deductions whatsoever arising out of
any claims Lessee may have against Lessor, it being understood that the Lessee
retains the right to assert any such claim in a separate action against Lessor.

LESSOR                                         LESSEE

INSIGHT INVESTMENTS, CORP.                     HOMESTEAD TECHNOLOGIES, INC.

By:                                            By:      /s/ JUSTIN SHELBY KITCH
    ----------------------------                   -----------------------------

Name:                                          Name:    JUSTIN SHELBY KITCH
      --------------------------                     ---------------------------

Title:                                         Title:   CEO & PRESIDENT
       -------------------------                      --------------------------

Date:                                          Date:    9/27/99
      --------------------------                     ---------------------------
<PAGE>

                      SCHEDULE NO. 3, DATED AUGUST 4, 1999
      INCORPORATING BY REFERENCE MASTER LEASE NO. 6400 DATED APRIL 7, 1999
                 BETWEEN INSIGHT INVESTMENTS, CORP., AS LESSOR,
                   AND HOMESTEAD TECHNOLOGIES INC., AS LESSEE.

LESSEE HEREBY LEASES THE DESCRIBED EQUIPMENT FROM LESSOR, AND LESSOR BY
ACCEPTANCE OF THIS LEASE, AGREES TO LEASE THE EQUIPMENT TO LESSEE ON THE TERMS
AND CONDITIONS IN THIS EQUIPMENT SCHEDULE AND THE MASTER LEASE, WHICH IS
INCORPORATED HEREIN BY REFERENCE. THIS EQUIPMENT SCHEDULE AND THE MASTER LEASE
CONSTITUTE THE ENTIRE AGREEMENT BETWEEN LESSOR AND LESSEE AS TO THE LEASE OF THE
EQUIPMENT.

1.      EQUIPMENT DESCRIPTION AND LOCATION DESCRIBED ON ATTACHMENT "A"

2.      EQUIPMENT COST:              $319,809.35

3.      MONTHLY RENT:                $11,033.42/month

4.      INITIAL LEASE TERM:          36 months

5.      COMMENCEMENT DATE:           09/01/1999

6.      END OF TERM OPTION:          Lessee may purchase the equipment for the
                                     then fair market value, return to IIC or
                                     continue leasing. Each equipment schedule
                                     purchased or renewed must be done so on an
                                     all or nothing basis. Provided all monies
                                     due and payable IIC, or its assigns has
                                     been received, IIC will finance the buyout
                                     of the equipment at the then current
                                     market rate.

7.       Other:

         Lessee hereby authorizes Lessor to insert and/or revise serial numbers
         and other information relevant to the proper identification and/or
         description of the Equipment subsequent to Lessee's execution of this
         Equipment Schedule and any Attachment A thereto.

LESSOR: INSIGHT INVESTMENTS, CORP.          LESSEE: HOMESTEAD TECHNOLOGIES INC.

By:                                         By:    /s/ Justin Shelby Kitch
     ----------------------------                ----------------------------

Name:                                       Name:      JUSTIN SHELBY KITCH
     ----------------------------                ----------------------------

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

     THIS IS COUNTERPART NO. __ OF THREE (3) SERIALLY NUMBERED COUNTERPARTS.
To the extent that an Equipment Schedule constitutes chattel paper under the
     Uniform Commercial Code no security interest may be created through the
     transfer and possession of any counterpart other than counterpart No. 1.

<PAGE>

                             ACCEPTANCE CERTIFICATE
                          FOR EQUIPMENT SCHEDULE NO. 3
             TO MASTER LEASE AGREEMENT NO. 6400 DATED APRIL 7, 1999
                  BETWEEN INSIGHT INVESTMENTS, CORP. ("LESSOR")
                   AND HOMESTEAD TECHNOLOGIES INC., ("LESSEE")

LESSEE CERTIFIES THAT THE FOLLOWING EQUIPMENT HAS BEEN DELIVERED TO THE
INSTALLATION/LOCATION SITE SPECIFIED IN THE EQUIPMENT SUPPLEMENT, INSPECTED AND
FOUND TO BE IN GOOD OPERATING ORDER AND MEETING LESSEE'S ACCEPTANCE CRITERIA,
AND UNCONDITIONALLY ACCEPTED UNDER THE LEASE ON THE ACCEPTANCE DATE INSERTED
BELOW:

Quantity        Mfgr        Model/Features        Description        Serial No

SEE ATTACHMENT "A" TO EQUIPMENT SCHEDULE FOR DESCRIPTION

LESSEE HEREBY REPRESENTS TO LESSOR AND ANY ASSIGNEE THAT ON THE ACCEPTANCE DATE:

(i)      Lessee's representations and warranties contained in the Lease are true
and correct;
(ii)     The Equipment is insured as required by the Lease;
(iii)    No Event of Default has occurred;
(iv)     Lessee acknowledges that Lessor acquired the Equipment for this Lease
and Lessee is aware of the warranty rights from the manufacturer.
(v)      Lessee's financial statements, and the financial statements of any
guarantor of Lessee's obligations, given to Lessor represent Lessee's and such
guarantor's financial and business conditions as of the dates of such
statements, and since such dates there have been no materially adverse changes
in Lessee's or such guarantor's financial or business conditions.

ACCEPTANCE DATE: 8/4/99

                                          LESSEE: HOMESTEAD TECHNOLOGIES INC.

                                          By:      /s/ Justin Shelby Kitch
                                             ----------------------------------

                                          Name:    JUSTIN SHELBY KITCH
                                               --------------------------------

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

     THIS IS COUNTERPART NO. __ OF THREE (3) SERIALLY NUMBERED COUNTERPARTS.
 To the extent that this Acceptance Certificate constitutes chattel paper under
  the Uniform Commercial Code, no security interest may be created through the
     transfer and possession of any counterpart other than counterpart No. 1

<PAGE>

                            NOTICE OF ASSIGNMENT AND
                            LESSEE'S ACKNOWLEDGEMENT

To:      Homestead Technologies Inc.
         3475H Edison Way
         Menlo Park, CA 94025

Please be advised that Insight Investments Corporation ("Lessor") has assigned
to Charter Financial, Inc. all rights of Lessor in the equipment schedules
listed below ("the Schedules") to the Lease No. 6400 between you and Lessor
dated, April 7, 1999 ("the Lease"), including all rights to receive the lease
payments listed below payable by you commencing with the first payment
referenced below and continuing up to and including the last payment referenced
below and all other sums which may become due and payable from you to Lessor
under the Schedule.

  SCHEDULE       PAYMENT        NO. OF MONTHS     FIRST PAYMENT/LAST PAYMENT
  --------       -------        -------------     --------------------------
       3         $11,033.42         34            October 1, 1999/July 31, 2002

Except as otherwise directed by the Charter Financial, Inc., please pay any and
all rents including the interim rent and any other amounts payable by you under
the Schedule directly to the address listed below:

                             CHARTER FINANCIAL, INC.
                                 P.O. BOX 11509
                              CHURCH STREET STATION
                            NEW YORK, NY, 10286-1509

Please acknowledge this assignment on the following page.

                                    INSIGHT INVESTMENTS, CORP.
                                    --------------------------
                                    (Lessor)

                                    By:      /s/ John Ford
                                            ------------------------------

                                    Title:   JOHN FORD PRESIDENT
                                            ------------------------------

<PAGE>

                       SCHEDULE NO. 4, DATED JULY 29, 1999
      INCORPORATING BY REFERENCE MASTER LEASE NO. 6400 DATED APRIL 7, 1999
                 BETWEEN INSIGHT INVESTMENTS, CORP., AS LESSOR,
                   AND HOMESTEAD TECHNOLOGIES INC., AS LESSEE.

LESSEE HEREBY LEASES THE DESCRIBED EQUIPMENT FROM LESSOR, AND LESSOR BY
ACCEPTANCE OF THIS LEASE, AGREES TO LEASE THE EQUIPMENT TO LESSEE ON THE TERMS
AND CONDITIONS IN THIS EQUIPMENT SCHEDULE AND THE MASTER LEASE, WHICH IS
INCORPORATED HEREIN BY REFERENCE. THIS EQUIPMENT SCHEDULE AND THE MASTER LEASE
CONSTITUTE THE ENTIRE AGREEMENT BETWEEN LESSOR AND LESSEE AS TO THE LEASE OF THE
EQUIPMENT.

l.       EQUIPMENT DESCRIPTION AND LOCATION DESCRIBED ON ATTACHMENT "A"

2.       EQUIPMENT COST:            $87,721.75

3.       MONTHLY RENT:              $3,026.40/month

4.       INITIAL LEASE TERM:        36 months

5.       COMMENCEMENT DATE:         09/01/1999

6.       PURCHASE OPTION:           Lessee may purchase the equipment for the
                                    then fair market value, return to IIC or
                                    continue leasing. Each equipment schedule
                                    purchased or renewed must be done so on an
                                    all or nothing basis. Provided all monies
                                    due and payable IIC, or its assigns has been
                                    received, IIC will finance the buyout of the
                                    equipment at the then current market rate.

7.       Other:

         Lessee hereby authorizes Lessor to insert and/or revise serial numbers
         and other information relevant to the proper identification and/or
         description of the Equipment subsequent to Lessee's execution of this
         Equipment Schedule and any Attachment A thereto.

LESSOR:  INSIGHT INVESTMENTS, CORP.              LESSEE: HOMESTEAD TECHNOLOGIES
                                                 INC.

By:                                              By:     /s/ Justin Shelby Kitch
     ----------------------------                      -------------------------

Name:                                            Name:   JUSTIN SHELBY KITCH
     ----------------------------                      -------------------------

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

     THIS IS COUNTERPART NO. _ OF THREE (3) SERIALLY NUMBERED COUNTERPARTS.
To the extent that an Equipment Schedule constitutes chattel paper under the
    Uniform Commercial Code no security interest may be created through the
    transfer and possession of any counterpart other than counterpart No. 1.

<PAGE>

                             ACCEPTANCE CERTIFICATE
                          FOR EQUIPMENT SCHEDULE NO. 4
             TO MASTER LEASE AGREEMENT NO. 6400 DATED APRIL 7, 1999
                  BETWEEN INSIGHT INVESTMENTS, CORP. ("LESSOR")
                   AND HOMESTEAD TECHNOLOGIES INC. ("LESSEE")

LESSEE CERTIFIES THAT THE FOLLOWING EQUIPMENT HAS BEEN DELIVERED TO THE
INSTALLATION/LOCATION SITE SPECIFIED IN THE EQUIPMENT SUPPLEMENT, INSPECTED AND
FOUND TO BE IN GOOD OPERATING ORDER AND MEETING LESSEE'S ACCEPTANCE CRITERIA,
AND UNCONDITIONALLY ACCEPTED UNDER THE LEASE ON THE ACCEPTANCE DATE INSERTED
BELOW:

Quantity        Mfgr        Model/Features        Description        Serial No.

SEE ATTACHMENT "A" TO EQUIPMENT SCHEDULE FOR DESCRIPTION

LESSEE HEREBY REPRESENTS TO LESSOR AND ANY ASSIGNEE THAT ON THE ACCEPTANCE DATE:

(i)      Lessee's representations and warranties contained in the Lease are true
and correct;
(ii)     The Equipment is insured as required by the Lease;
(iii)    No Event of Default has occurred;
(iv)     Lessee acknowledges that Lessor acquired the Equipment for this Lease
and Lessee is aware of the warranty rights from the manufacturer.
(v)      Lessee's financial statements, and the financial statements of any
guarantor of Lessee's obligations, given to Lessor represent Lessee's and such
guarantor's financial and business conditions as of the dates of such
statements, and since such dates there have been no materially adverse changes
in Lessee's or such guarantor's financial or business conditions.

ACCEPTANCE DATE: 8/15/99

                                 LESSEE: HOMESTEAD TECHNOLOGIES INC.

                                 By:      /s/ Justin Shelby Kitch
                                        ----------------------------------

                                 Name:    JUSTIN SHELBY KITCH
                                        ----------------------------------

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

     THIS IS COUNTERPART NO. __ OF THREE (3) SERIALLY NUMBERED COUNTERPARTS.
To the extent that this Acceptance Certificate constitutes chattel paper under
  the Uniform Commercial Code, no security interest may be created through the
    transfer and possession of any counterpart other than counterpart No. 1

<PAGE>

                                  BILL OF SALE

For and in consideration of the sum of $ 87,721.75, HOMESTEAD TECHNOLOGIES INC.,
hereinafter referred to as Seller, sells and conveys to:

                           Insight Investments, Corp.
                             265 S. Anita Dr., #200
                                Orange, CA 92868

all its right, title and interest in and to that certain equipment listed on
Invoice No(s). SEE ATTACHED INVOICE LOG, a copy of which is attached hereto, and
incorporated herein by reference.

Seller hereby warrants to Buyer that it is the legal owner of said equipment,
that there are no encumbrances, UCC-1 filings, or liens on said equipment.

Seller hereby indemnifies Buyer from any and all legal damages or suits which
may be brought against Seller or Buyer with regards to the equipment, if in fact
at a later date a third party claims interest in and to said equipment and said
claim is based on damages incurred by Seller prior to the sale of the equipment.

EQUIPMENT: SEE EQUIPMENT SCHEDULE # 4

SELLER: HOMESTEAD TECHNOLOGIES INC.

BY:   /s/ Justin Shelby Kitch
   ------------------------------
TITLE:    CEO
      ---------------------------
DATE:    8.23.99
     ----------------------------

<PAGE>

                              NOTICE OF ASSIGNMENT
                              (ASSIGNMENT OF LEASE)

September 27, 1999

Homestead Technologies Inc.
3475H Edison Way
Menlo Park, CA 94025

Dear Sir or Madam;

Reference is made to Master Lease Agreement No. 6400 dated as of April 7, 1999
(the "Master Lease") and Schedule No. 4 dated July 29, 1999 between Insight
Investments, Corp. ("Insight") as Lessor and HOMESTEAD TECHNOLOGIES Inc. as
Lessee (the "Schedule"). The Schedule and Master Lease are collectively referred
to herein as the "Lease".

Please be advised that Insight has assigned all its right, title and interest in
the Lease effective NOVEMBER 1, 1999 to DATA SALES CO., INC. the "Assignee."
This is to notify you of the assignment and to authorize you to send all Monthly
Rent payments commencing with that payment due (date of first payment assigned)
to:

                              DATA SALES CO., INC.
                          3450 WEST BURNSVILLE PARKWAY
                              BURNSVILLE, MN 55337

The Assignee shall perform all duties and obligations of Lessor under the Lease
and shall have the right as of the date of assignment to direct that remittances
be made to a different address or a new assignee.

All future invoices, including those for sales or use taxes, will be received
from Insight Investments, Corp. or its Assignee.

In addition, this letter will confirm that the leased equipment has been
installed and accepted. The Lease is for a period of 36 months. Rental payments
commenced SEPTEMBER 1, 1999 and will end AUGUST 31, 2002. As of the date of the
assignment, there will be 34 remaining monthly payments of $ 3,026.40 each
commencing NOVEMBER 1, 1999 and ending AUGUST 1, 2002.

<PAGE>

Please sign the original and a copy of this letter indicating that: (i) the
Lessee will be bound by the Lease, the Schedule and this Notice of Assignment
(ii) Lessee has received no notice of any other assignments of or claims
relating to the Schedule and has no reason to refuse to make payments of rent or
other proceeds due under the Lease (iii) the Lease and Schedule as executed are
binding and legally enforceable against the Lessee in accordance with their
terms; (iv) no defaults exists on the part of the Lessee; and (v) the Lessee
will make payments without any setoffs or deductions whatsoever arising out of
any claims Lessee may have against Lessor, it being understood that the Lessee
retains the right to assert any such claim in a separate action against Lessor.

<TABLE>
<CAPTION>

LESSOR                                   LESSEE
<S>                                      <C>
INSIGHT INVESTMENTS, CORP.               HOMESTEAD TECHNOLOGIES INC.

By:                                      By:   /S/ JUSTIN SHELBY KITCH
   -----------------------------            -----------------------------

Name:                                    Name:   JUSTIN SHELBY KITCH
     ---------------------------              ---------------------------

Title:                                   Title:   CEO & PRESIDENT
      --------------------------               --------------------------

Date:                                    Date:   9/27/99
     ---------------------------              ---------------------------

</TABLE>

<PAGE>

                     SCHEDULE NO. 5, DATED SEPTEMBER 9, 1999
      INCORPORATING BY REFERENCE MASTER LEASE NO. 6400 DATED APRIL 7, 1999
                 BETWEEN INSIGHT INVESTMENTS, CORP., AS LESSOR,
                   AND HOMESTEAD TECHNOLOGIES INC., AS LESSEE.

LESSEE HEREBY LEASES THE DESCRIBED EQUIPMENT FROM LESSOR, AND LESSOR BY
ACCEPTANCE OF THIS LEASE, AGREES TO LEASE THE EQUIPMENT TO LESSEE ON THE TERMS
AND CONDITIONS IN THIS EQUIPMENT SCHEDULE AND THE MASTER LEASE, WHICH IS
INCORPORATED HEREIN BY REFERENCE. THIS EQUIPMENT SCHEDULE AND THE MASTER LEASE
CONSTITUTE THE ENTIRE AGREEMENT BETWEEN LESSOR AND LESSEE AS TO THE LEASE OF THE
EQUIPMENT.

<TABLE>
<CAPTION>

<S>      <C>                      <C>
l.       EQUIPMENT DESCRIPTION AND LOCATION DESCRIBED ON ATTACHMENT "A"

2.       EQUIPMENT COST:          $20,053.54

3.       MONTHLY RENT:            $706.68/month

4.       INITIAL LEASE TERM:      36 months

5.       COMMENCEMENT DATE:       10/01/1999

6.       PURCHASE OPTION:         Lessee may purchase the equipment for the then fair market value, return to IIC
                                  or continue leasing. Each equipment schedule purchased or renewed must be done
                                  so on an all or nothing basis. Provided all monies due and payable IIC, or its
                                  assigns has been received, IIC will finance the buyout of the equipment at the
                                  then current market rate.

7.       Other:

</TABLE>

         Lessee hereby authorizes Lessor to insert and/or revise serial numbers
         and other information relevant to the proper identification and/or
         description of the Equipment subsequent to Lessee's execution of this
         Equipment Schedule and any Attachment A thereto.

<TABLE>
<CAPTION>

LESSOR:  INSIGHT INVESTMENTS CORP.            LESSEE: HOMESTEAD TECHNOLOGIES INC.
<S>                                           <C>

By:    /s/ JOHN FORD                          By:      /s/ JUSTIN SHELBY KITCH
   --------------------------------              --------------------------------

Name:   JOHN FORD                             Name:    JUSTIN SHELBY KITCH
     ------------------------------                ------------------------------

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

</TABLE>

     THIS IS COUNTERPART NO. 3 OF THREE (3) SERIALLY NUMBERED COUNTERPARTS.
  To the extent that an Equipment Schedule constitutes chattel paper under the
    Uniform Commercial Code, no security interest may be created through the
    transfer and possession of any counterpart other than counterpart No. 1.

<PAGE>

                    NOTICE AND ACKNOWLEDGEMENT OF ASSIGNMENT

This Notice and Acknowledgment of Assignment dated as of OCTOBER 27, 1999, is
made by Insight Investments, Corp. ("Lessor") and HOMESTEAD TECHNOLOGIES, INC.
("Lessee") concerning Equipment Schedule No. 5, to Master Lease Agreement No.
6400 dated APRIL 7. 1999 (the "Lease") between Lessor and Lessee.

NOTICE OF ASSIGNMENT: Lessor hereby notifies and directs Lessee that:

A.       Lessor has assigned all of its rights and obligations under the Lease
         to and among LINC Capital, Inc. ("Assignee"), as of DECEMBER 1, 1999,
         (the "Rent Assignment Date").

B.       Until further written notice to the contrary is received by Lessee from
         Assignee, all lease rentals and any other payments due on and after the
         Rent Assignment Date under the Lease (the "Monies") shall be paid by
         the date due directly by Lessee to Assignee at the following address:

                               LINC CAPITAL, INC.
                                  P.O. BOX 1213
                                   DEPT. 15151
                                NEWARK, NJ 07101

ACKNOWLEDGMENT OF ASSIGNMENT: Lessee consents to the assignment hereto by Lessor
and will remit and deliver all Monies directly to Assignee at the address set
forth above and Lessee acknowledges that:

(i) the initial term of the Lease is 36 months, commencing on OCTOBER 1, 1999
and ending on SEPTEMBER 30, 2002; (ii) the regular monthly rental is $ 706.68,
exclusive of applicable taxes and shall be due and payable on the 1ST
 day of each month during the term beginning with any payments due as of the
commencement date set forth in the Lease. Lessor has collected the last month's
rent and all rent payable prior to the rent assignment date and there are 33
consecutive monthly rentals in the above amount remaining, beginning with the
payment due on the Rent Assignment Date; (iii) there are no additional
agreements between Lessee and Lessor relating to the equipment ("Equipment")
under the Lease; (iv) the Lease is in full force and effect; (v) the Equipment
currently is in Lessee's possession and control at the location(s) specified in
the Lease; (vi) it will not enter into any agreement amending, modifying or
terminating the Lease without the prior written consent of Assignee; and (vii)
it has not made with respect to Lessor, nor will it make with respect to
Assignee, any claims, offsets, demands or defenses of any kind, nature or
description with reference to any of Lessor's obligations under the Lease.

Lessee also acknowledges and agrees that it will deliver copies of all notices
and other communications given to or made by Lessee pursuant to the Lease, to
Assignee at the following address: LINC CAPITAL, INC., 303 EAST WACKER DRIVE,
SUITE 1000, CHICAGO, ILLINOIS 60601 ATTENTION: PORTFOLIO MANAGEMENT.

FURTHER AGREEMENTS: Upon execution of this Notice and Acknowledgment of Lessor
and Lessee and acceptance hereof by Assignee, Assignee agrees that in lieu of
any covenant of quiet enjoyment that may be given on behalf of Assignee in the
Lease, Assignee hereby covenants that so long as Lessee is not in default of any
provisions of the Lease and has not breached any of its covenants or
representations in this Notice and Acknowledgment, Assignee will not disturb the
Lessee's quiet and peaceful possession of the Equipment or its unrestricted use
thereof for its intended purpose.

<PAGE>

IN WITNESS WHEREOF, the parties hereto have caused this Notice and
Acknowledgment of Assignment to be executed by their authorized officers as
of the date set forth above.

<TABLE>
<CAPTION>

INSIGHT INVESTMENTS, CORP.              Homestead Technologies, Inc.
(Lessor)                                (Lessee)
<S>                                     <C>
By:                                     By:    /s/ JUSTIN SHELBY KITCH
   -----------------------------           -------------------------------

Its:                                    Its:    PRESIDENT
    ----------------------------            ------------------------------

</TABLE>

Accepted by:
LINC Capital, Inc.
(Assignee)

By:
   -----------------------------
Its:
    ----------------------------

<PAGE>

                     SCHEDULE NO. 6, DATED NOVEMBER 2, 1999
      INCORPORATING BY REFERENCE MASTER LEASE NO. 6400 DATED APRIL 7, 1999
                 BETWEEN INSIGHT INVESTMENTS, CORP., AS LESSOR,
                   AND HOMESTEAD TECHNOLOGIES INC., AS LESSEE.

LESSEE HEREBY LEASES THE DESCRIBED EQUIPMENT FROM LESSOR, AND LESSOR BY
ACCEPTANCE OF THIS LEASE, AGREES TO LEASE THE EQUIPMENT TO LESSEE ON THE TERMS
AND CONDITIONS IN THIS EQUIPMENT SCHEDULE AND THE MASTER LEASE, WHICH IS
INCORPORATED HEREIN BY REFERENCE. THIS EQUIPMENT SCHEDULE AND THE MASTER LEASE
CONSTITUTE THE ENTIRE AGREEMENT BETWEEN LESSOR AND LESSEE AS TO THE LEASE OF THE
EQUIPMENT.

<TABLE>

<S>      <C>                      <C>
l.       EQUIPMENT DESCRIPTION AND LOCATION DESCRIBED ON ATTACHMENT "A"

2.       EQUIPMENT COST:          $105,970.00

3.       MONTHLY RENT:            $3,812.80/month

4.       INITIAL LEASE TERM:      36 months

5.       COMMENCEMENT DATE:       11/01/1999

6.       PURCHASE OPTION:         Lessee may purchase the equipment for the then fair market value, return to IIC
                                  or continue leasing. Each equipment schedule purchased or renewed must be done
                                  so on an all or nothing  basis. Provided all monies due and payable IIC, or its
                                  assigns has been received, IIC will finance the buyout of the equipment at the
                                  then current market rate.

7.       LESSEE'S PO:             091699-001, 090999-0002 and 090799-0001

8.       Other:

</TABLE>

         Lessee hereby authorizes Lessor to insert and/or revise serial numbers
         and other information relevant to the proper identification and/or
         description of the Equipment subsequent to Lessee's execution of this
         Equipment Schedule and any Attachment A thereto.

<TABLE>
<CAPTION>

LESSOR:  INSIGHT INVESTMENTS CORP.           LESSEE: HOMESTEAD TECHNOLOGIES INC.
<S>                                          <C>
By:    /s/ RICHARD M. HEARD                  By:      /s/ JUSTIN SHELBY KITCH
   ---------------------------------            -------------------------------

Name:    RICHARD M. HEARD                    Name:    JUSTIN SHELBY KITCH
     -------------------------------              -----------------------------

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

</TABLE>

     THIS IS COUNTERPART NO. 3 OF THREE (3) SERIALLY NUMBERED COUNTERPARTS.
  To the extent that an Equipment Schedule constitutes chattel paper under the
    Uniform Commercial Code, no security interest may be created through the
    transfer and possession of any counterpart other than counterpart No. 1.

<PAGE>

                     NOTICE AND ACKNOWLEDGMENT OF ASSIGNMENT

This Notice and Acknowledgment of Assignment dated as of NOVEMBER 2, 1999, is
made by Insight Investments, Corp. ("Lessor") and HOMESTEAD TECHNOLOGIES, INC.
("Lessee") concerning Equipment Schedule No. 5, to Master Lease Agreement No.
6400 dated APRIL 7, 1999 (the "Lease") between Lessor and Lessee.

NOTICE OF ASSIGNMENT: Lessor hereby notifies and directs Lessee that:

A.       Lessor has assigned all of its rights and obligations under the Lease
         to and among LINC Capital, Inc. ("Assignee"), as of DECEMBER 1, 1999,
         (the "Rent Assignment Date").

B.       Until further written notice to the contrary is received by Lessee from
         Assignee, all lease rentals and any other payments due on and after the
         Rent Assignment Date under the Lease (the "Monies") shall be paid by
         the date due directly by Lessee to Assignee at the following address:

                               LINC CAPITAL, INC.
                                  P.O. BOX 1213
                                   DEPT. 15151
                                NEWARK, NJ 07101

ACKNOWLEDGMENT OF ASSIGNMENT: Lessee consents to the assignment hereto by Lessor
and will remit and deliver all Monies directly to Assignee at the address set
forth above and Lessee acknowledges that:

(i) the initial term of the Lease is 36 months, commencing on NOVEMBER 1, 1999
and ending on OCTOBER 3l, 2002 (ii) the regular monthly rental is $ 3,812.80,
exclusive of applicable taxes and shall be due and payable on the 1ST day of
each month during the term beginning with any payments due as of the
commencement date set forth in the Lease. Lessor has collected the last month's
rent and all rent payable prior to the rent assignment date and there are 34
consecutive monthly rentals in the above amount remaining, beginning with the
payment due on the Rent Assignment Date; (iii) there are no additional
agreements between Lessee and Lessor relating to the equipment ("Equipment")
under the Lease; (iv) the Lease is in full force and effect; (v) the Equipment
currently is in Lessee's possession and control at the location(s) specified in
the Lease; (vi) it will not enter into any agreement amending, modifying or
terminating the Lease without the prior written consent of Assignee; and (vii)
it has not made with respect to Lessor, nor will it make with respect to
Assignee, any claims, offsets, demands or defenses of any kind, nature or
description with reference to any of Lessor's obligations under the Lease.

Lessee also acknowledges and agrees that it will deliver copies of all notices
and other communications given to or made by Lessee pursuant to the Lease, to
Assignee at the following address: LINC CAPITAL, INC., 303 EAST WACKER DRIVE,
SUITE 1000, CHICAGO, ILLINOIS 60601 ATTENTION: PORTFOLIO MANAGEMENT.

FURTHER AGREEMENTS: Upon execution of this Notice and Acknowledgment of Lessor
and Lessee and acceptance hereof by Assignee, Assignee agrees that in lieu of
any covenant of quiet enjoyment that may be given on behalf of Assignee in the
Lease, Assignee hereby covenants that so long as Lessee is not in default of any
provisions of the Lease and has not breached any of its covenants or
representations in this Notice and Acknowledgment. Assignee will not disturb the
Lessee's quiet and peaceful possession of the Equipment or its unrestricted use
thereof for its intended purpose.

<PAGE>

IN WITNESS WHEREOF, the parties hereto have caused this Notice and
Acknowledgment of Assignment to be executed by their authorized officers as of
the date set forth above.

<TABLE>
<CAPTION>

INSIGHT INVESTMENTS, CORP.             Homestead Technologies, Inc.
(Lessor)                               (Lessee)
<S>                                    <C>
By:                                    By:    /s/ JUSTIN SHELBY KITCH
   ----------------------------           ---------------------------------

Its:                                   Its:    CEO
    ---------------------------            --------------------------------

</TABLE>

Accepted by:
LINC Capital, Inc.
(Assignee)

By:
   ----------------------------
Its:
    ---------------------------<PAGE>

                                              LEASE NO: 005180742-001

[LOGO]

         FINANCIAL SERVICES
           +

                                 Company No: 05

THIS LEASE HAVE BEEN WRITTEN IN "PLAIN ENGLISH". WHEN WE USE YOU AND YOUR IN
THIS LEASE WE MEAN YOU, THE CUSTOMER WHO IS THE LESSEE INDICATED BELOW. WHEN WE
USE WE, US AND OUR WE MEAN THE LESSOR, DELL FINANCIAL SERVICES LP
<TABLE>
<CAPTION>
<S><C>
---------------------------------------------------------------- ------------ ------------------- ---------------- -----------
FULL LEGAL NAME OF LESSEE                                        LEASE TERM      MONTHLY RENT         MONTHLY
                                                                  (MONTHS)         PAYMENT^          PERSONAL
                                                                                                   PROPERTY MGMT
HOMESTEAD.COM, INC.                                                  36                                FEE^
                                                                                   $774.36            $14.88
                                                                                 ^Subject to        ^Subject to
                                                                                  Applicable      Applicable Tax
                                                                                     Tax
----------------------------------- ---------------------------- -------------------------------------------------------------
DBA NAME (IF ANY)                   TYPE OF BUSINESS             FINANCING TERMS
                                    CORPORATION                  Product Cost      =      $22,350.00
                                                                 Doc. Fee*         =          $55.00

----------------------------------- ----------------------------
BILLING ADDRESS: STREET, CITY,                                   *A $55.00 Documentation Fee IS included in the Monthly Rent
STATE, ZIP CODE                                                  Payment shown above.

3475 EDISON WAY STE H                                            **Charges to ship to you ARE NOT included in the Monthly
MENLO PARK, CA  94025                                            Rental Payment, and WILL appear as a one time charge on
                                                                 your first invoice.
---------------------------------------------------------------- -------------------------------------------------------------
PRODUCT LOCATION                                                 GENERAL PRODUCT DESCRIPTION/SUPPLIER
                       SEE ATTACHMENT A                                                SEE ATTACHMENT A

---------------------------------------------------------------- -------------------------------------------------------------
GUARANTOR (IF ANY)                    SOCIAL SECURITY NUMBER     END OF LEASE PURCHASE OPTION

                                                                                    10% of Equipment Cost
---------------------------------------------------------------- -------------------------------------------------------------
</TABLE>
                          TERMS AND CONDITIONS OF LEASE

1. LEASE; ACCEPTANCE AND COMMENCEMENT; TERM; RENT: We agree to lease to you and
you agree to lease from us the products, services, and software (the "Products")
described in Exhibit A to this lease on the terms and conditions shown in this
lease agreement (the "Lease"). With respect to services, we will only finance
one-time charges for services rendered in connection with the Products. Services
may include delivery and installation fees, internet service plans, or similar
services ("Services"). This Lease will begin and Products will be deemed
irrevocably accepted for purposes of this Lease five (5) days after shipment
from the Supplier (the "Commencement Date"). When you receive the Products, you
agree to inspect them promptly and advise us if they are not in good working
order. We honor Dell Computer Corporation's ("Dell") "Total Satisfaction Return
Policy". If you return Dell branded Products within 30 days after shipment from
Dell, in the condition and manner required by Dell, you may terminate the Lease.
You are responsible for freight charges to deliver and return the Products.
Complete details regarding the "Total Satisfaction Return Policy" are included
in the manufacturer's documentation provided to you with the Products. The first
Rent payment is due thirty (30) days after the Commencement Date, and subsequent
payments of Rent are due on the same date of each subsequent month (or the last
day of the month if there is no such date). You agree to pay us the Rent for the
number of months of the Lease Term stated above. You will make all payments
required under this Lease to us at the address we specify in writing. You
authorize us to adjust the Rent amount by not more than 15% if the actual
Product Cost (which is all amounts we have paid or will pay in connection with
the purchase, delivery and installation of the Products, including any trade-up
and buyout amounts, or amounts incurred by us as a result of changes you make to
your order with the Supplier) differs from the Product Cost shown above. If any
payment of Rent or other amount payable to us is not paid within ten (10) days
after the due date, you will pay us a late charge equal to the greater of (i) 5%
of the late payment amount or (ii) $5.00 for each late payment (or if less, the
highest amount permitted by applicable law).

2. NO WARRANTIES. WE ARE LEASING THE PRODUCTS TO YOU "AS IS". YOU ACKNOWLEDGE
THAT WE DO NOT MANUFACTURE OR SUPPLY THE PRODUCTS. WE DO NOT REPRESENT THE
MANUFACTURER OR SUPPLIER AND YOU HAVE SELECTED THE PRODUCTS AND THE SUPPLIER
BASED ON YOUR OWN JUDGMENT. WE MAKE NO WARRANTIES OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING THE MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE OF
THE PRODUCT OR ANY SERVICES. WE HEREBY ASSIGN ALL WARRANTIES MADE TO USE BY
SUPPLIER, MANUFACTURER, AND ANY SERVICE PROVIDER TO YOU, AND YOU AGREE THAT YOU
WILL MAKE ALL CLAIMS OF ANY KIND RELATING TO THE PRODUCTS OR SERVICES AGAINST
SUCH SUPPLIER, MANUFACTURER, AND/OR SERVICE PROVIDER.

3. SELECTION AND ORDERING OF PRODUCTS: You select the type and quality of the
Products subject to this Lease. If you have entered into a purchase or supply
contract ("Supply Contract") with any Supplier, you assign your rights but not
your obligations (other than the obligation to pay for the Products if accepted
by you under this Lease) effective prior to the passage of title by the Supplier
to you.

4. LOCATION; USE; ALTERATIONS; INSPECTION: You will use the Products solely at
the location specified in the Lease, or if none is specified, at your billing
address. Except for temporary relocation of laptop personal computers, you may
not move the Products without our prior written consent, which shall not be
unreasonably withheld. At your own expense, you will maintain the Products in
good repair, condition and functional order (except for ordinary wear and tear)
and will use them in compliance with all applicable laws. You will use all
software in accordance with the end user license terms of the applicable
software license agreement ("License"). You may make additions or improvements
to the Products unless the addition or improvement would violate any License,
decrease the value of Products, or impair their utility. You may remove any such
addition or improvement at the end of the Lease if (i) you repair any damage to
Products resulting from the removal; (ii) you restore the Products to their
original and functional condition (excluding ordinary wear and tear); and, (iii)
the removal does not violate any License or render the Products incapable of use
or operation. All additions or improvements not removed will become our property
at no cost to us. You agree that, we, our assignees, and agents, may inspect the
Products at the premises where the Products are located at any reasonable time
with prior notice.

B S D

Page 1 of 3                           +

<PAGE>

5. TITLE; QUIET ENJOYMENT; PERSONAL PROPERTY; FILING: We are the owner of and
will hold title to the Products. You will keep the Products free from any and
all liens, encumbrances and claims. So long as you are not in Default under the
Lease, we will not interfere with your quiet use and enjoyment of the Products
during the Lease Term or any renewal term. Unless the Purchase Option is $1, you
agree that this transaction is intended to be a true lease under UCC Article 2A.
However, if this transaction is deemed to be a lease intended for security under
UCC Article 9, you grant us a purchase money security interest in the Products
(including any replacements, substitutions, additions, attachments and
proceeds). You authorize us to file a copy of this Lease as a UCC-1 financing
statement (UCC-1) and hereby appoint us or our designee as your attorney-in-fact
to sign on your behalf and to file UCC-1's covering the Products. You agree to
pay a one-time Documentation Fee to cover our costs for such filing and other
documentation costs.

6. LOSS OR DAMAGE: From the time the Products are delivered to a carrier for
shipment to you until their return to us, you are responsible for any loss,
theft, damage to or destruction of the Products ("Loss") from any cause at
all, whether or not the Loss is covered by insurance. You are required to
make all payments under the Lease even if there is a Loss. You must notify us
immediately if there is any Loss. Then at our option, you will either (a)
repair the Products so they are in good condition and working order to our
satisfaction; or (b) replace the Products with like products in good
condition and repair and of the same manufacture and equal or greater
capacity and capability, with clear title thereto in us; or (c) pay us the
"Stipulated Loss Value" which is the sum of: (i) all Rent payments for all
the Products and other amounts past due (plus interest thereon) or currently
owed to us under the Lease, including unpaid taxes and (ii) all future Rent
payments that would accrue over the remaining Lease Term plus our estimated
value of our residual interest of all of the Products at the end of the Lease
Term, such sum to be discounted to present value at a discount rate equal to
the Federal Reserve Bank Discount Rate in effect at the Commencement Date of
the Lease ("Discount Rate"). When you pay the amount of (c) about to us, we
will transfer to you our interest in the Products, "AS-IS-WHERE-IS", without
any warranty, express or implied, including warranty of merchantability or
fitness for any particular purpose.

7. INSURANCE: You will provide and maintain, at your expense, (a) property
insurance against the loss or theft of or damage to the Products, for their full
replacement value naming us as loss payee and (b) public liability and third
party property damage insurance naming us as an additional insured. All
insurance shall be in a form and amount and with companies satisfactory to us
and will provide that we will be given thirty (30) days written notice before
cancellation or material change of the policy. At our request, you will deliver
the policies or certificates of insurance to us. If you do not give us evidence
of insurance acceptable to use we have the right, but not the obligation, to
obtain such insurance covering our interest in the Products for the Lease Term.
The cost for such insurance will be an additional amount due from you under the
Lease.

8. TAXES: You will pay when due, either directly or to us on demand, all taxes
(local, state and federal), fines or penalties which may now or hereafter be
imposed or levied upon the Lease and the Products, excluding taxes on our net
income. We do not have to contest any taxes, fines or penalties. We may, at our
option, charge you a liquidated monthly personal property management fee, to be
added to Rent payments owed under this Lease.

9. RETURN: Unless the Lease is renewed or you purchase the Products in
accordance with the terms of the Lease, you will immediately deliver the
Products and original operating system software, (including but not limited to
the operating software kit, manuals, cables, power cords, keys, etc.) in good
repair, operable condition and able to qualify for the manufacturer's warranty
service (ordinary wear and tear excepted) to any place in the continental United
States that we direct. You will pay all expenses for deinstalling, packing and
shipping and you will insure the Products for the full replacement value during
shipping. You will immediately pay us on demand the costs and expenses of all
missing or damaged Products (including the operating software kit).

10. PURCHASE OPTION; AUTOMATIC RENEWAL: If no Default exists under the Lease,
you will have the option at the end of the Lease Term to purchase all (but not
less than all) of the Products for the amount of the Purchase Option price shown
above which, if it is the then fair market value of the Products, will be as
determined by us, plus any applicable taxes. Unless the Purchase Option price is
$1, you must give us written notice at least ninety (90) days before the end of
the Lease Term that you will purchase the Products or that you will return the
Products to us. Unless you purchase the Products or return the Products to us on
the last day of the Lease Term, this Lease will automatically renew for an
additional ninety (90) day term and thereafter on a continuing month to month
basis until you give us thirty (30) days notice and deliver the Products to us.
During such renewal terms, the Rent payment will remain the same. If the Fair
Market Value Purchase Option has been selected we will use our reasonable
judgement to determine the Products' in place value. If you do not agree with
our determination, the fair market retail value will be determined for you at
your expense by an independent appraiser elected by us. Upon payment of the
Purchase Option price in full, we will transfer our interest in the Products to
you "AS-IS-WHERE-IS", without any warranty whatsoever, and the Lease will
terminate.

11. ASSIGNMENT: YOU MAY NOT ASSIGN, SELL, TRANSFER, OR SUBLEASE THE PRODUCTS OR
YOUR INTEREST IN THIS LEASE. We may, without notifying you, sell, assign, or
transfer the Lease and our rights in the Products. You agree that the new owner
will have the same rights and benefits that we have now under this Lease, but
not our obligations. The rights of the new owner will not be subject to any
claim, defense, or setoff that you may have against us.

12. DEFAULT: Each of the following is a default ("Default") under the Lease: (a)
you fail to pay any Rent or any other payment within 10 days of its due date;
(b) you do not perform any of your obligations under the Lease or in any other
agreement with us or with any of our affiliates and this failure continues for
10 days after we have notified you of it; (c) you become insolvent, you dissolve
or are dissolved, you assign your assets for the benefit of your creditors or
enter voluntarily or involuntarily any bankruptcy or other reorganization
proceeding; (c) you or any Guarantor provide us incorrect or untrue information
regarding any material matter in connection with your application for credit or
entering into this Lease; or (d) if this Lease has been guaranteed by someone
other than you, any guarantor of the Lease dies, does not perform its
obligations under the Guaranty or becomes subject to one of the events listed in
clause (c).

13. REMEDIES: If a Default occurs, we may do one or more of the following: (a)
we may cancel or terminate the Lease or any agreements that we have entered into
with you or withdraw any offer of credit; (b) we may require you to pay us, as
compensation for loss of our bargain and not as a penalty, a sum equal to (i)
the Stipulated Loss Value calculated under clause 6 plus (ii) all other amounts
due and to become due under the Lease; (c) we may require you to deliver the
Products to us as set forth in clause 9; (d) we or our agent may peacefully
repossess the Products without court order and you will not make any claims
against us for trespass, damages or any other reason and (e) we may exercise any
other right at law or in equity. You agree to pay all of our costs of enforcing
our rights against you, including reasonable attorney's fees. If we take
possession of the Products we may sell or otherwise dispose of the Products,
with or without notice at public or private sale and apply the net proceeds
(after we have deducted our costs related to the sale and disposition) to the
amounts that you owe us. You agree that if notice of a sale is required by law
to be given, 10 days notice will constitute reasonable notice. You will remain
responsible for any amounts that are due after we have applied such net
proceeds.

14. INDEMNITY: You are responsible for losses, damages, penalties, claims, costs
(including attorneys' fees and expenses), actions, suits and proceedings of
every kind, (collectively "Claims") whether based on a theory of strict
liability or otherwise caused by or related to this Lease or the Products,
(including any defects in the Products). You will reimburse us for, and if we
request defend us against, any Claims.

15. ARBITRATION: Either party to this Lease may choose to have any dispute,
claim, or controversy arising from or relating to this Lease, any prior
agreement or lease between the parties, any application or advertisement
related to this Lease or the validity of this arbitration clause or the
entire Lease, resolved by binding arbitration pursuant to the Commercial
Arbitration Rules of the American Arbitration Association. If such rules
conflict with this arbitration agreement, however, then the terms of this
arbitration agreement shall control. This arbitration agreement is made
pursuant to a transaction involving interstate commerce, and shall be
governed by the Federal Arbitration Act at 9 U.S.C. Section 1 ET SEQ.
Judgement upon the award rendered may be entered in any court having
jurisdiction. Any arbitration award in excess of $100,000 made pursuant to
this arbitration agreement may be appealed by the party against which the
award is made. Such appeal will be a de novo arbitration proceeding before
three arbitrators. The parties agree and understand that they may choose
arbitration instead of litigation to resolve disputes. The parties under that
that they have a right opportunity to litigate disputes in court, but may
elect to resolve their disputes through arbitration as provided herein. The
parties agree and understand that all disputes arising under case law,
statutory law, and all other laws including, but not limited to, all
contract, tort, and property disputes, may be subject to binding arbitration
in accord with this Lease. No class action or request for relief may be
brought under this arbitration agreement. You agree that you shall not have
the right to participate in arbitration or in court proceedings as a
representative or a member of any class of claimants pertaining to any claim
arising from or relating to this Lease. The parties agree and understand that
the arbitrator shall have all powers provided by law and this Lease, except
for powers limited or prohibited by this Lease. Notwithstanding anything
herein to the contrary, we retain an option to use judicial or non-judicial
relief to recover the Products or to enforce our security interest in the
Products, to enforce the monetary obligation secured by the Products or to
foreclose on the Products. Such judicial relief would take the form of a
lawsuit. The institution and maintenance of any action for judicial relief in
a court to foreclose upon any Products, to obtain a monetary judgment or to
enforce this Lease, shall not constitute a waiver of the right of any party
to compel arbitration regarding any other dispute or remedy subject to
arbitration in this Lease, including the filing of a counterclaim in a suit
brought by us pursuant to this provision. YOU UNDERSTAND AND AGREE THAT IN
ARBITRATION: YOU GIVE UP RIGHTS TO SEEK REMEDIES IN COURT, INCLUDING THE
RIGHT TO A JURY

Page 2 of 3

<PAGE>

TRIAL; YOUR ABILITY TO COMPEL OTHER PARTIES TO PRODUCE DOCUMENTS OR BE
EXAMINED IS MORE LIMITED THAN IN A LAWSUIT; AND, YOUR RIGHTS TO APPEAL OR
CHANGE ANY ARBITRATION AWARD IN ANY COURT ARE STRICTLY LIMITED.

16. FINANCE LEASE: You agree that if Article 2A of the Uniform Commercial Code
applies to this Lease, this Lease will be considered a "finance lease" as
defined by Article 2A and by signing this Lease you acknowledge that either (1)
you have received, reviewed and approved the supply contract with the Supplier
or (2) we have informed you of the identity of the Supplier, that you may have
rights and warranties under the supply contracts for the Products and you may
contact the Supplier of the Products for a description of those rights and
warranties. TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU HEREBY WAIVE ANY AND
ALL RIGHTS AND REMEDIES CONFERRED UPON A LESSEE BY ARTICLE 2A.

17. MISCELLANEOUS: You agree that the terms and conditions of this Lease make up
the entire agreement between you and us regarding the lease of the Products. Any
change in the terms and conditions of the Lease must be in writing and signed by
us. You agree however, that we are authorized, without notice to you, to supply
missing information or correct obvious errors in this Lease. All of our rights
and remedies will survive termination of this Lease. All notices under this
Lease will be given in writing and will be considered given when deposited in
the U.S. mail, postage prepaid, addressed to the respective address given below
or to a substitute address specified in writing by one of us to the other. Any
failure of ours to require strict performance by you or any waiver by us of any
provision in this Lease will not be construed as a consent or waiver of any
other breach of the same or any provision. If any portion of this Lease is
deemed invalid, it will not affect the balance of this Lease. It is the express
intent of both of us not to violate any usury laws or to exceed the maximum
amount of time price differential, or interest as applicable permitted to be
charged, or collected under applicable law and any such excess payment will be
applied to payments under the Lease in inverse order of maturity and the
remaining payments will be refunded to you. If a signed copy of this Lease is
delivered to us by facsimile transmission, it will be binding on you, however,
we will not be bound by this Lease until we accept it by manually or
electronically signing it or by purchasing the Products, whichever occurs fist.
You waive notice of our acceptance and waive your right to receive a copy of the
accepted Lease. You agree that, notwithstanding any rule of evidence to the
contrary, in any hearing, trial or proceeding of any kind with respect to this
Lease, we may produce a copy of the Lease transmitted to us by facsimile
transmission that has been manually signed by us and such signed copy shall be
deemed to be the original of this Lease. To the extent (if any) that this Lease
constitutes chattel paper under the Uniform Commercial Code, no security
interest in this Lease may be created through the transfer and possession of any
copy or counterpart hereof except the copy with our original signature. If you
deliver this Lease to us by facsimile transmission, you acknowledge that we are
relying on your representation that this Lease has not been changed.

BY SIGNING THIS LEASE: (a) YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THE
TERMS AND CONDITIONS OF THIS LEASE; (b) YOU AGREE THAT THIS LEASE IS A NET LEASE
AND YOU CANNOT TERMINATE OR CANCEL AND UPON ACCEPTANCE OF THE PRODUCTS YOU HAVE
AN UNCONDITIONAL OBLIGATION TO MAKE ALL PAYMENTS UNDER THIS LEASE AND YOU CANNOT
WITHHOLD, SETOFF OR REDUCE SUCH PAYMENTS FOR ANY REASON; (c) YOU AGREE THAT THE
PRODUCTS WILL RE USED FOR BUSINESS PURPOSES ONLY AND NOT FOR PERSONAL, FAMILY OR
HOUSEHOLD PURPOSES; (d) YOU CONFIRM THAT THE PERSON SIGNING THIS LEASE FOR YOU
HAS THE AUTHORITY TO DO SO AND TO GRANT THE POWER OF ATTORNEY IN SECTION 5; (e)
YOU AGREE THAT THIS LEASE WILL BE GOVERNED BY THE LAWS OF THE STATE OF ILLINOIS
AND YOU CONSENT TO THE JURISDICTION OF ANY COURT LOCATED WITHIN THAT STATE AND
YOU EXPRESSLY WAIVE THE RIGHT TO A TRIAL BY JURY AND (f) YOU CONFIRM THAT THE
INFORMATION IN ANY APPLICATION, STATEMENT, TRADE REFERENCE OR FINANCIAL REPORT
SUBMITTED TO US IS TRUE AND CORRECT AND YOU UNDERSTAND THAT ANY MATERIAL
MISREPRESENTATION SHALL CONSTITUTE A DEFAULT UNDER THE LEASE.

<TABLE>
<CAPTION>
<S><C>
------------------------------------------------------------ ---------------------------------------------------------
LESSEE:                                                      LESSOR:
HOMESTEAD.COM, INC.                                          Dell Financial Services L.P.      (800) 955-3355
                                                             P.O. Box 99200                    FAX (512) 671-814
                                                             840 S Canal Street 3rd Floor
                                                             Chicago, IL  60693
------------------------------------------------------------ ---------------------------------------------------------
AUTHORIZED SIGNATURE                                         AUTHORIZED SIGNATURE

/s/ ANDREW CHMYZ

--------------------------------------------- -------------- ------------------------------------------ --------------
PRINT NAME AND TITLE                          11/24/99       PRINT NAME AND TITLE
ANDREW CHMYZ, CONTROLLER                      DATE                                                      DATE
--------------------------------------------- -------------- ------------------------------------------ --------------
</TABLE>

/NOT APPLICABLE/             FED ID # 77-0384549

FEDERAL EMPLOYEE ID # (or SOCIAL SECURITY NUMBER for SOLE PROPRIETORS)
THIS NUMBER MUST BE PROVIDED ON THE EXECUTED LEASE AGREEMENT

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

           PERSONAL AND CONTINUING GUARANTY OF LEASE NO. 005180742-001

--------------------------------------------------------------------------------
THIS PERSONAL AND CONTINUING GUARANTY ("GUARANTY") CREATES SPECIFIC LEGAL
OBLIGATIONS. WHEN WE USE THE WORDS YOU AND YOUR IN THIS GUARANTY WE MEAN THE
PERSONAL GUARANTORS INDICATED BELOW. WHEN WE USE THE WORDS WE, US AND OUR IN THE
GUARANTY WE MEAN THE LESSOR INDICATED IN THE LEASE AGREEMENT ABOVE (THE
"LEASE"). IN CONSIDERATION OF OUR ENTERING INTO THE LEASE, YOU UNCONDITIONALLY
AND IRREVOCABLY GUARANTEE TO US, OUR SUCCESSORS AND ASSIGNS, THE PROMPT PAYMENT
AND PERFORMANCE OF ALL OBLIGATIONS OF LESSEE UNDER THE LEASE REGARDLESS OF ANY
CIRCUMSTANCE WHICH MIGHT OTHERWISE BE A DEFENSE AVAILABLE TO, OR A DISCHARGE OF,
LESSEE OR YOU. YOU AGREE THAT THIS A GUARANTY OF PAYMENT AND NOT OF COLLECTION,
AND THAT WE CAN PROCEED DIRECTLY AGAINST YOU WITHOUT FIRST PROCEEDING AGAINST
LESSEE OR THE PRODUCTS. YOU WAIVE ALL DEFENSES AND NOTICES, INCLUDING THOSE OF
PROTEST, PRESENTMENT AND DEMAND, NOTICE OF ACCEPTANCE HEREOF AND ALL OTHER
NOTICES OF ANY KIND. YOU AGREE THAT WE CAN RENEW, EXTEND OR OTHERWISE MODIFY THE
TERMS OF THE LEASE WITHOUT RELEASING YOU. YOU WILL PAY ALL OUR EXPENSES
INCLUDING ATTORNEYS' FEES INCURRED BY US IN ENFORCING OUR RIGHTS AGAINST YOU.
THIS IS A CONTINUING GUARANTY THAT WILL NOT BE DISCHARGED OR AFFECTED BY YOUR
DEATH AND WILL BIND YOUR HEIRS, ADMINISTRATORS AND PERSONAL REPRESENTATIVES. WE
MAY, WITHOUT AFFECTING YOUR LIABILITY HEREUNDER, COMPROMISE OR RELEASE ANY
RIGHTS AGAINST LESSEE OR THE PRODUCTS OR YOU. YOU CONSENT TO THE TRANSFER, SALE
OR ANY OTHER DISPOSITION OF THE PRODUCTS AND THE LEASE. IF MORE THAN ONE PERSON
HAS SIGNED THIS GUARANTY, EACH OF YOU AGREES THAT ITS LIABILITY IS JOINT AND
SEVERAL. THE GUARANTY MAY BE ENFORCED BY ANY ASSIGNEE OR SUCCESSOR OF OURS TO
THE SAME EXTENT AS WE MAY ENFORCE IT. YOU AUTHORIZE US OR ANY OUR AFFILIATES TO
OBTAIN CREDIT BUREAU REPORTS REGARDING YOUR PERSONAL CREDIT AND MAKE OTHER
CREDIT INQUIRES THAT WE DETERMINE ARE NECESSARY. THIS GUARANTY SHALL BE GOVERNED
BY THE INTERNAL LAWS OF ILLINOIS. YOU EXPRESSLY AGREE TO ARBITRATION AS PROVIDED
IN PARAGRAPH 15.

<TABLE>
<S><C>
------------------------------------------------------------------------------------------------------------------------
Date
     -------------  --------------------------------------------- ------------------------------------------------------
     (Date Signed)  INDIVIDUAL GUARANTOR NAME (PRINTED)           GUARANTOR SOCIAL SECURITY NUMBER
                    --------------------------------------------- ------------------------------------------------------
                    By

                    --------------------------------------------- ------------------------------------------------------
                    SIGNATURE INDIVIDUAL GUARANTOR (NO TITLE)     GUARANTOR HOME ADDRESS (STREET CITY STATE AND ZIP CODE)

------------------------------------------------------------------------------------------------------------------------
</TABLE>

Page 3 of 3

<PAGE>

                        LEASE NO: 005180742-002

[LOGO]

    FINANCIAL SERVICES
    +

                             Company No: 05
THIS LEASE HAVE BEEN WRITTEN IN "PLAIN  ENGLISH".  WHEN WE USE YOU AND YOUR
IN THIS LEASE WE MEAN YOU, THE CUSTOMER WHO IS THE LESSEE INDICATED BELOW.
WHEN WE USE WE, US AND OUR WE MEAN THE LESSOR, DELL FINANCIAL SERVICES LP
<TABLE>
<CAPTION>
<S><C>
---------------------------------------------------------------- ------------ ------------------- ---------------- -----------
FULL LEGAL NAME OF LESSEE                                        LEASE TERM      MONTHLY RENT         MONTHLY
                                                                  (MONTHS)         PAYMENT^          PERSONAL
                                                                                                   PROPERTY MGMT
HOMESTEAD.COM, INC.                                                  36                                FEE^
                                                                                   $774.36            $14.88
                                                                                 ^Subject to        ^Subject to
                                                                                  Applicable      Applicable Tax
                                                                                     Tax
----------------------------------- ---------------------------- -------------------------------------------------------------
DBA NAME (IF ANY)                   TYPE OF BUSINESS             FINANCING TERMS
                                    CORPORATION                  Product Cost      =      $22,350.00
                                                                 Doc. Fee*         =          $55.00
---------------------------------------------------------------
BILLING ADDRESS: STREET, CITY,
STATE, ZIP CODE                                                  *A $55.00 Documentation Fee IS included in the Monthly
                                                                 Rent Payment shown above.
3475 EDISON WAY STE H
MENLO PARK, CA  94025                                            **Charges to ship to you ARE NOT included in the Monthly Rental
                                                                 Payment, and WILL appear as a one time charge on your first
                                                                 invoice.
----------------------------------- ---------------------------- -------------------------------------------------------------
PRODUCT LOCATION                                                 GENERAL PRODUCT DESCRIPTION/SUPPLIER
                       SEE ATTACHMENT A                                                SEE ATTACHMENT A
---------------------------------------------------------------- -------------------------------------------------------------
GUARANTOR (IF ANY)                    SOCIAL SECURITY NUMBER     END OF LEASE PURCHASE OPTION
                                                                                    10% of Equipment Cost
---------------------------------------------------------------- -------------------------------------------------------------
</TABLE>
                           TERMS AND CONDITIONS OF LEASE

1. LEASE; ACCEPTANCE AND COMMENCEMENT; TERM; RENT: We agree to lease to you
and you agree to lease from us the products, services, and software (the
"Products") described in Exhibit A to this lease on the terms and conditions
shown in this lease agreement (the "Lease"). With respect to services, we
will only finance one-time charges for services rendered in connection with
the Products. Services may include delivery and installation fees, internet
service plans, or similar services ("Services"). This Lease will begin and
Products will be deemed irrevocably accepted for purposes of this Lease five
(5) days after shipment from the Supplier (the "Commencement Date"). When you
receive the Products, you agree to inspect them promptly and advise us if
they are not in good working order. We honor Dell Computer Corporation's
("Dell") "Total Satisfaction Return Policy". If you return Dell branded
Products within 30 days after shipment from Dell, in the condition and manner
required by Dell, you may terminate the Lease. You are responsible for
freight charges to deliver and return the Products. Complete details
regarding the "Total Satisfaction Return Policy" are included in the
manufacturer's documentation provided to you with the Products. The first
Rent payment is due thirty (30) days after the Commencement Date, and
subsequent payments of Rent are due on the same date of each subsequent month
(or the last day of the month if there is no such date). You agree to pay us
the Rent for the number of months of the Lease Term stated above. You will
make all payments required under this Lease to us at the address we specify
in writing. You authorize us to adjust the Rent amount by not more than 15%
if the actual Product Cost (which is all amounts we have paid or will pay in
connection with the purchase, delivery and installation of the Products,
including any trade-up and buyout amounts, or amounts incurred by us as a
result of changes you make to your order with the Supplier) differs from the
Product Cost shown above. If any payment of Rent or other amount payable to
us is not paid within ten (10) days after the due date, you will pay us a
late charge equal to the greater of (i) 5% of the late payment amount or (ii)
$5.00 for each late payment (or if less, the highest amount permitted by
applicable law).

2. NO WARRANTIES. WE ARE LEASING THE PRODUCTS TO YOU "AS IS". YOU ACKNOWLEDGE
THAT WE DO NOT MANUFACTURE OR SUPPLY THE PRODUCTS. WE DO NOT REPRESENT THE
MANUFACTURER OR SUPPLIER AND YOU HAVE SELECTED THE PRODUCTS AND THE SUPPLIER
BASED ON YOUR OWN JUDGMENT. WE MAKE NO WARRANTIES OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING THE MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE
OF THE PRODUCT OR ANY SERVICES. WE HEREBY ASSIGN ALL WARRANTIES MADE TO USE
BY SUPPLIER, MANUFACTURER, AND ANY SERVICE PROVIDER TO YOU, AND YOU AGREE
THAT YOU WILL MAKE ALL CLAIMS OF ANY KIND RELATING TO THE PRODUCTS OR
SERVICES AGAINST SUCH SUPPLIER, MANUFACTURER, AND/OR SERVICE PROVIDER.

3. SELECTION AND ORDERING OF PRODUCTS: You select the type and quality of the
Products subject to this Lease. If you have entered into a purchase or supply
contract ("Supply Contract") with any Supplier, you assign your rights but
not your obligations (other than the obligation to pay for the Products if
accepted by you under this Lease) effective prior to the passage of title by
the Supplier to you.

4. LOCATION; USE; ALTERATIONS; INSPECTION: You will use the Products solely
at the location specified in the Lease, or if none is specified, at your
billing address. Except for temporary relocation of laptop personal
computers, you may not move the Products without our prior written consent,
which shall not be unreasonably withheld. At your own expense, you will
maintain the Products in good repair, condition and functional order (except
for ordinary wear and tear) and will use them in compliance with all
applicable laws. You will use all software in accordance with the end user
license terms of the applicable software license agreement ("License"). You
may make additions or improvements to the Products unless the addition or
improvement would violate any License, decrease the value of Products, or
impair their utility. You may remove any such addition or improvement at the
end of the Lease if (i) you repair any damage to Products resulting from the
removal; (ii) you restore the Products to their original and functional
condition (excluding ordinary wear and tear); and, (iii) the removal does not
violate any License or render the Products incapable of use or operation. All
additions or improvements not removed will become our property at no cost to
us. You agree that, we, our assignees, and agents, may inspect the Products
at the premises where the Products are located at any reasonable time with
prior notice.

B S D

Page 1 of 3                           +

<PAGE>

5. TITLE; QUIET ENJOYMENT; PERSONAL PROPERTY; FILING: We are the owner of and
will hold title to the Products. You will keep the Products free from any and
all liens, encumbrances and claims. So long as you are not in Default under
the Lease, we will not interfere with your quiet use and enjoyment of the
Products during the Lease Term or any renewal term. Unless the Purchase
Option is $1, you agree that this transaction is intended to be a true lease
under UCC Article 2A. However, if this transaction is deemed to be a lease
intended for security under UCC Article 9, you grant us a purchase money
security interest in the Products (including any replacements, substitutions,
additions, attachments and proceeds). You authorize us to file a copy of this
Lease as a UCC-1 financing statement (UCC-1) and hereby appoint us or our
designee as your attorney-in-fact to sign on your behalf and to file UCC-1's
covering the Products. You agree to pay a one-time Documentation Fee to cover
our costs for such filing and other documentation costs.

6. LOSS OR DAMAGE: From the time the Products are delivered to a carrier for
shipment to you until their return to us, you are responsible for any loss,
theft, damage to or destruction of the Products ("Loss") from any cause at
all, whether or not the Loss is covered by insurance. You are required to
make all payments under the Lease even if there is a Loss. You must notify us
immediately if there is any Loss. Then at our option, you will either (a)
repair the Products so they are in good condition and working order to our
satisfaction; or (b) replace the Products with like products in good
condition and repair and of the same manufacture and equal or greater
capacity and capability, with clear title thereto in us; or (c) pay us the
"Stipulated Loss Value" which is the sum of: (i) all Rent payments for all
the Products and other amounts past due (plus interest thereon) or currently
owed to us under the Lease, including unpaid taxes and (ii) all future Rent
payments that would accrue over the remaining Lease Term plus our estimated
value of our residual interest of all of the Products at the end of the Lease
Term, such sum to be discounted to present value at a discount rate equal to
the Federal Reserve Bank Discount Rate in effect at the Commencement Date of
the Lease ("Discount Rate"). When you pay the amount of (c) about to us, we
will transfer to you our interest in the Products, "AS-IS-WHERE-IS", without
any warranty, express or implied, including warranty of merchantability or
fitness for any particular purpose.

7. INSURANCE: You will provide and maintain, at your expense, (a) property
insurance against the loss or theft of or damage to the Products, for their
full replacement value naming us as loss payee and (b) public liability and
third party property damage insurance naming us as an additional insured. All
insurance shall be in a form and amount and with companies satisfactory to us
and will provide that we will be given thirty (30) days written notice before
cancellation or material change of the policy. At our request, you will
deliver the policies or certificates of insurance to us. If you do not give
us evidence of insurance acceptable to use we have the right, but not the
obligation, to obtain such insurance covering our interest in the Products
for the Lease Term. The cost for such insurance will be an additional amount
due from you under the Lease.

8. TAXES: You will pay when due, either directly or to us on demand, all
taxes (local, state and federal), fines or penalties which may now or
hereafter be imposed or levied upon the Lease and the Products, excluding
taxes on our net income. We do not have to contest any taxes, fines or
penalties. We may, at our option, charge you a liquidated monthly personal
property management fee, to be added to Rent payments owed under this Lease.

9. RETURN: Unless the Lease is renewed or you purchase the Products in
accordance with the terms of the Lease, you will immediately deliver the
Products and original operating system software, (including but not limited
to the operating software kit, manuals, cables, power cords, keys, etc.) in
good repair, operable condition and able to qualify for the manufacturer's
warranty service (ordinary wear and tear excepted) to any place in the
continental United States that we direct. You will pay all expenses for
deinstalling, packing and shipping and you will insure the Products for the
full replacement value during shipping. You will immediately pay us on demand
the costs and expenses of all missing or damaged Products (including the
operating software kit).

10. PURCHASE OPTION; AUTOMATIC RENEWAL: If no Default exists under the Lease,
you will have the option at the end of the Lease Term to purchase all (but
not less than all) of the Products for the amount of the Purchase Option
price shown above which, if it is the then fair market value of the Products,
will be as determined by us, plus any applicable taxes. Unless the Purchase
Option price is $1, you must give us written notice at least ninety (90) days
before the end of the Lease Term that you will purchase the Products or that
you will return the Products to us. Unless you purchase the Products or
return the Products to us on the last day of the Lease Term, this Lease will
automatically renew for an additional ninety (90) day term and thereafter on
a continuing month to month basis until you give us thirty (30) days notice
and deliver the Products to us. During such renewal terms, the Rent payment
will remain the same. If the Fair Market Value Purchase Option has been
selected we will use our reasonable judgement to determine the Products' in
place value. If you do not agree with our determination, the fair market
retail value will be determined for you at your expense by an independent
appraiser elected by us. Upon payment of the Purchase Option price in full,
we will transfer our interest in the Products to you "AS-IS-WHERE-IS",
without any warranty whatsoever, and the Lease will terminate.

11. ASSIGNMENT: YOU MAY NOT ASSIGN, SELL, TRANSFER, OR SUBLEASE THE PRODUCTS
OR YOUR INTEREST IN THIS LEASE. We may, without notifying you, sell, assign,
or transfer the Lease and our rights in the Products. You agree that the new
owner will have the same rights and benefits that we have now under this
Lease, but not our obligations. The rights of the new owner will not be
subject to any claim, defense, or setoff that you may have against us.

12. DEFAULT: Each of the following is a default ("Default") under the Lease:
(a) you fail to pay any Rent or any other payment within 10 days of its due
date; (b) you do not perform any of your obligations under the Lease or in
any other agreement with us or with any of our affiliates and this failure
continues for 10 days after we have notified you of it; (c) you become
insolvent, you dissolve or are dissolved, you assign your assets for the
benefit of your creditors or enter voluntarily or involuntarily any
bankruptcy or other reorganization proceeding; (c) you or any Guarantor
provide us incorrect or untrue information regarding any material matter in
connection with your application for credit or entering into this Lease; or
(d) if this Lease has been guaranteed by someone other than you, any
guarantor of the Lease dies, does not perform its obligations under the
Guaranty or becomes subject to one of the events listed in clause (c).

13. REMEDIES: If a Default occurs, we may do one or more of the following:
(a) we may cancel or terminate the Lease or any agreements that we have
entered into with you or withdraw any offer of credit; (b) we may require you
to pay us, as compensation for loss of our bargain and not as a penalty, a
sum equal to (i) the Stipulated Loss Value calculated under clause 6 plus
(ii) all other amounts due and to become due under the Lease; (c) we may
require you to deliver the Products to us as set forth in clause 9; (d) we or
our agent may peacefully repossess the Products without court order and you
will not make any claims against us for trespass, damages or any other reason
and (e) we may exercise any other right at law or in equity. You agree to pay
all of our costs of enforcing our rights against you, including reasonable
attorney's fees. If we take possession of the Products we may sell or
otherwise dispose of the Products, with or without notice at public or
private sale and apply the net proceeds (after we have deducted our costs
related to the sale and disposition) to the amounts that you owe us. You
agree that if notice of a sale is required by law to be given, 10 days notice
will constitute reasonable notice. You will remain responsible for any
amounts that are due after we have applied such net proceeds.

14. INDEMNITY: You are responsible for losses, damages, penalties, claims,
costs (including attorneys' fees and expenses), actions, suits and
proceedings of every kind, (collectively "Claims") whether based on a theory
of strict liability or otherwise caused by or related to this Lease or the
Products, (including any defects in the Products). You will reimburse us for,
and if we request defend us against, any Claims.

15. ARBITRATION: Either party to this Lease may choose to have any dispute,
claim, or controversy arising from or relating to this Lease, any prior
agreement or lease between the parties, any application or advertisement
related to this Lease or the validity of this arbitration clause or the
entire Lease, resolved by binding arbitration pursuant to the Commercial
Arbitration Rules of the American Arbitration Association. If such rules
conflict with this arbitration agreement, however, then the terms of this
arbitration agreement shall control. This arbitration agreement is made
pursuant to a transaction involving interstate commerce, and shall be
governed by the Federal Arbitration Act at 9 U.S.C. Section 1 ET SEQ.
Judgement upon the award rendered may be entered in any court having
jurisdiction. Any arbitration award in excess of $100,000 made pursuant to
this arbitration agreement may be appealed by the party against which the
award is made. Such appeal will be a de novo arbitration proceeding before
three arbitrators. The parties agree and understand that they may choose
arbitration instead of litigation to resolve disputes. The parties under that
that they have a right opportunity to litigate disputes in court, but may
elect to resolve their disputes through arbitration as provided herein. The
parties agree and understand that all disputes arising under case law,
statutory law, and all other laws including, but not limited to, all
contract, tort, and property disputes, may be subject to binding arbitration
in accord with this Lease. No class action or request for relief may be
brought under this arbitration agreement. You agree that you shall not have
the right to participate in arbitration or in court proceedings as a
representative or a member of any class of claimants pertaining to any claim
arising from or relating to this Lease. The parties agree and understand that
the arbitrator shall have all powers provided by law and this Lease, except
for powers limited or prohibited by this Lease. Notwithstanding anything
herein to the contrary, we retain an option to use judicial or non-judicial
relief to recover the Products or to enforce our security interest in the
Products, to enforce the monetary obligation secured by the Products or to
foreclose on the Products. Such judicial relief would take the form of a
lawsuit. The institution and maintenance of any action for judicial relief in
a court to foreclose upon any Products, to obtain a monetary judgment or to
enforce this Lease, shall not constitute a waiver of the right of any party
to compel arbitration regarding any other dispute or remedy subject to
arbitration in this Lease, including the filing of a counterclaim in a suit
brought by us pursuant to this provision. YOU UNDERSTAND AND AGREE THAT IN
ARBITRATION: YOU GIVE UP RIGHTS TO SEEK REMEDIES IN COURT, INCLUDING THE
RIGHT TO A JURY

Page 2 of 3

<PAGE>

TRIAL; YOUR ABILITY TO COMPEL OTHER PARTIES TO PRODUCE DOCUMENTS OR BE
EXAMINED IS MORE LIMITED THAN IN A LAWSUIT; AND, YOUR RIGHTS TO APPEAL OR
CHANGE ANY ARBITRATION AWARD IN ANY COURT ARE STRICTLY LIMITED.

16. FINANCE LEASE: You agree that if Article 2A of the Uniform Commercial
Code applies to this Lease, this Lease will be considered a "finance lease"
as defined by Article 2A and by signing this Lease you acknowledge that
either (1) you have received, reviewed and approved the supply contract with
the Supplier or (2) we have informed you of the identity of the Supplier,
that you may have rights and warranties under the supply contracts for the
Products and you may contact the Supplier of the Products for a description
of those rights and warranties. TO THE EXTENT PERMITTED BY APPLICABLE LAW,
YOU HEREBY WAIVE ANY AND ALL RIGHTS AND REMEDIES CONFERRED UPON A LESSEE BY
ARTICLE 2A.

17. MISCELLANEOUS: You agree that the terms and conditions of this Lease make
up the entire agreement between you and us regarding the lease of the
Products. Any change in the terms and conditions of the Lease must be in
writing and signed by us. You agree however, that we are authorized, without
notice to you, to supply missing information or correct obvious errors in
this Lease. All of our rights and remedies will survive termination of this
Lease. All notices under this Lease will be given in writing and will be
considered given when deposited in the U.S. mail, postage prepaid, addressed
to the respective address given below or to a substitute address specified in
writing by one of us to the other. Any failure of ours to require strict
performance by you or any waiver by us of any provision in this Lease will
not be construed as a consent or waiver of any other breach of the same or
any provision. If any portion of this Lease is deemed invalid, it will not
affect the balance of this Lease. It is the express intent of both of us not
to violate any usury laws or to exceed the maximum amount of time
pricedifferential, or interest as applicable permitted to be charged, or
collected under applicable law and any such excess payment will be applied to
payments under the Lease in inverse order of maturity and the remaining
payments will be refunded to you. If a signed copy of this Lease is delivered
to us by facsimile transmission, it will be binding on you, however, we will
not be bound by this Lease until we accept it by manually or electronically
signing it or by purchasing the Products, whichever occurs fist. You waive
notice of our acceptance and waive your right to receive a copy of the
accepted Lease. You agree that, notwithstanding any rule of evidence to the
contrary, in any hearing, trial or proceeding of any kind with respect to
this Lease, we may produce a copy of the Lease transmitted to us by facsimile
transmission that has been manually signed by us and such signed copy shall
be deemed to be the original of this Lease. To the extent (if any) that this
Lease constitutes chattel paper under the Uniform Commercial Code, no
security interest in this Lease may be created through the transfer and
possession of any copy or counterpart hereof except the copy with our
original signature. If you deliver this Lease to us by facsimile
transmission, you acknowledge that we are relying on your representation that
this Lease has not been changed.

BY SIGNING THIS LEASE: (a) YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND
THE TERMS AND CONDITIONS OF THIS LEASE; (b) YOU AGREE THAT THIS LEASE IS A
NET LEASE AND YOU CANNOT TERMINATE OR CANCEL AND UPON ACCEPTANCE OF THE
PRODUCTS YOU HAVE AN UNCONDITIONAL OBLIGATION TO MAKE ALL PAYMENTS UNDER THIS
LEASE AND YOU CANNOT WITHHOLD, SETOFF OR REDUCE SUCH PAYMENTS FOR ANY REASON;
(c) YOU AGREE THAT THE PRODUCTS WILL RE USED FOR BUSINESS PURPOSES ONLY AND
NOT FOR PERSONAL, FAMILY OR HOUSEHOLD PURPOSES; (d) YOU CONFIRM THAT THE
PERSON SIGNING THIS LEASE FOR YOU HAS THE AUTHORITY TO DO SO AND TO GRANT THE
POWER OF ATTORNEY IN SECTION 5; (e) YOU AGREE THAT THIS LEASE WILL BE
GOVERNED BY THE LAWS OF THE STATE OF ILLINOIS AND YOU CONSENT TO THE
JURISDICTION OF ANY COURT LOCATED WITHIN THAT STATE AND YOU EXPRESSLY WAIVE
THE RIGHT TO A TRIAL BY JURY AND (f) YOU CONFIRM THAT THE INFORMATION IN ANY
APPLICATION, STATEMENT, TRADE REFERENCE OR FINANCIAL REPORT SUBMITTED TO US
IS TRUE AND CORRECT AND YOU UNDERSTAND THAT ANY MATERIAL MISREPRESENTATION
SHALL CONSTITUTE A DEFAULT UNDER THE LEASE.

<TABLE>
<CAPTION>
<S><C>
------------------------------------------------------------ ---------------------------------------------------------
LESSEE:                                                      LESSOR:
HOMESTEAD.COM, INC.                                          Dell Financial Services L.P.      (800) 955-3355
                                                             P.O. Box 99200                    FAX (512) 671-814
                                                             840 S Canal Street 3rd Floor
                                                             Chicago, IL  60693
------------------------------------------------------------ ---------------------------------------------------------
AUTHORIZED SIGNATURE                                         AUTHORIZED SIGNATURE
/s/ ANDREW CHMYZ
--------------------------------------------- -------------- ------------------------------------------ --------------
PRINT NAME AND TITLE                          12/15/99       PRINT NAME AND TITLE
ANDREW CHMYZ, CONTROLLER                      DATE                                                      DATE
--------------------------------------------- -------------- ------------------------------------------ --------------
</TABLE>

770384549

FEDERAL EMPLOYEE ID # (or SOCIAL SECURITY NUMBER for SOLE PROPRIETORS)
THIS NUMBER MUST BE PROVIDED ON THE EXECUTED LEASE AGREEMENT

<TABLE>
<CAPTION>
<S><C>
-----------------------------------------------------------------------------------------------------------------------

          PERSONAL AND CONTINUING GUARANTY OF LEASE NO. 005180742-002

-----------------------------------------------------------------------------------------------------------------------
THIS PERSONAL AND CONTINUING GUARANTY ("GUARANTY") CREATES SPECIFIC LEGAL
OBLIGATIONS. WHEN WE USE THE WORDS YOU AND YOUR IN THIS GUARANTY WE MEAN THE
PERSONAL GUARANTORS INDICATED BELOW. WHEN WE USE THE WORDS WE, US AND OUR IN THE
GUARANTY WE MEAN THE LESSOR INDICATED IN THE LEASE AGREEMENT ABOVE (THE
"LEASE"). IN CONSIDERATION OF OUR ENTERING INTO THE LEASE, YOU UNCONDITIONALLY
AND IRREVOCABLY GUARANTEE TO US, OUR SUCCESSORS AND ASSIGNS, THE PROMPT PAYMENT
AND PERFORMANCE OF ALL OBLIGATIONS OF LESSEE UNDER THE LEASE REGARDLESS OF ANY
CIRCUMSTANCE WHICH MIGHT OTHERWISE BE A DEFENSE AVAILABLE TO, OR A DISCHARGE OF,
LESSEE OR YOU. YOU AGREE THAT THIS A GUARANTY OF PAYMENT AND NOT OF COLLECTION,
AND THAT WE CAN PROCEED DIRECTLY AGAINST YOU WITHOUT FIRST PROCEEDING AGAINST
LESSEE OR THE PRODUCTS. YOU WAIVE ALL DEFENSES AND NOTICES, INCLUDING THOSE OF
PROTEST, PRESENTMENT AND DEMAND, NOTICE OF ACCEPTANCE HEREOF AND ALL OTHER
NOTICES OF ANY KIND. YOU AGREE THAT WE CAN RENEW, EXTEND OR OTHERWISE MODIFY THE
TERMS OF THE LEASE WITHOUT RELEASING YOU. YOU WILL PAY ALL OUR EXPENSES
INCLUDING ATTORNEYS' FEES INCURRED BY US IN ENFORCING OUR RIGHTS AGAINST YOU.
THIS IS A CONTINUING GUARANTY THAT WILL NOT BE DISCHARGED OR AFFECTED BY YOUR
DEATH AND WILL BIND YOUR HEIRS, ADMINISTRATORS AND PERSONAL REPRESENTATIVES. WE
MAY, WITHOUT AFFECTING YOUR LIABILITY HEREUNDER, COMPROMISE OR RELEASE ANY
RIGHTS AGAINST LESSEE OR THE PRODUCTS OR YOU. YOU CONSENT TO THE TRANSFER, SALE
OR ANY OTHER DISPOSITION OF THE PRODUCTS AND THE LEASE. IF MORE THAN ONE PERSON
HAS SIGNED THIS GUARANTY, EACH OF YOU AGREES THAT ITS LIABILITY IS JOINT AND
SEVERAL. THE GUARANTY MAY BE ENFORCED BY ANY ASSIGNEE OR SUCCESSOR OF OURS TO
THE SAME EXTENT AS WE MAY ENFORCE IT. YOU AUTHORIZE US OR ANY OUR AFFILIATES TO
OBTAIN CREDIT BUREAU REPORTS REGARDING YOUR PERSONAL CREDIT AND MAKE OTHER
CREDIT INQUIRES THAT WE DETERMINE ARE NECESSARY. THIS GUARANTY SHALL BE GOVERNED
BY THE INTERNAL LAWS OF ILLINOIS. YOU EXPRESSLY AGREE TO ARBITRATION AS PROVIDED
IN PARAGRAPH 15.

-----------------------------------------------------------------------------------------------------------------------
Date
     --------------
     (Date Signed)
                   --------------------------------------------- ------------------------------------------------------
                   INDIVIDUAL GUARANTOR NAME (PRINTED)           GUARANTOR SOCIAL SECURITY NUMBER

                   --------------------------------------------- ------------------------------------------------------
                   By

                   --------------------------------------------- ------------------------------------------------------
                   SIGNATURE INDIVIDUAL GUARANTOR (NO TITLE)     GUARANTOR HOME ADDRESS (STREET CITY STATE AND ZIP CODE)
-----------------------------------------------------------------------------------------------------------------------
</TABLE>

Page 3 of 3

<PAGE>

                            LEASE NO: 005180742-003

[LOGO]

  FINANCIAL SERVICES
  +

                                Company No: 05
THIS LEASE HAVE BEEN WRITTEN IN "PLAIN  ENGLISH".  WHEN WE USE YOU AND YOUR
IN THIS LEASE WE MEAN YOU, THE CUSTOMER WHO IS THE LESSEE INDICATED BELOW.
WHEN WE USE WE, US AND OUR WE MEAN THE LESSOR, DELL FINANCIAL SERVICES LP
<TABLE>
<S><C>
---------------------------------------------------------------- ------------ ------------------- ---------------- -----------
FULL LEGAL NAME OF LESSEE                                        LEASE TERM      MONTHLY RENT         MONTHLY
                                                                  (MONTHS)         PAYMENT^          PERSONAL
                                                                                                   PROPERTY MGMT
HOMESTEAD.COM, INC.                                                  24                                FEE^
                                                                                  $1,346.13           $18.69
                                                                                 ^Subject to        ^Subject to
                                                                                  Applicable      Applicable Tax
                                                                                     Tax
----------------------------------- ---------------------------- -------------------------------------------------------------
DBA NAME (IF ANY)                   TYPE OF BUSINESS             FINANCING TERMS
                                    CORPORATION                  Product Cost      =      $28,704.00
                                                                 Doc. Fee*         =          $55.00
---------------------------------------------------------------
BILLING ADDRESS: STREET, CITY,                                   *A $55.00 Documentation Fee IS included
STATE, ZIP CODE                                                  in the Monthly Rent Payment shown above.

3475 EDISON WAY STE H                                            **Charges to ship to you ARE NOT included in the Monthly Rental
MENLO PARK, CA  94025                                            Payment, and WILL appear as a one time charge on your first
                                                                 invoice.
---------------------------------------------------------------- -------------------------------------------------------------
PRODUCT LOCATION                                                 GENERAL PRODUCT DESCRIPTION/SUPPLIER
                       SEE ATTACHMENT A                                                SEE ATTACHMENT A
---------------------------------------------------------------- -------------------------------------------------------------
GUARANTOR (IF ANY)                    SOCIAL SECURITY NUMBER     END OF LEASE PURCHASE OPTION
                                                                                    10% of Equipment Cost
---------------------------------------------------------------- -------------------------------------------------------------
</TABLE>
                            TERMS AND CONDITIONS OF LEASE

1. LEASE; ACCEPTANCE AND COMMENCEMENT; TERM; RENT: We agree to lease to you
and you agree to lease from us the products, services, and software (the
"Products") described in Exhibit A to this lease on the terms and conditions
shown in this lease agreement (the "Lease"). With respect to services, we
will only finance one-time charges for services rendered in connection with
the Products. Services may include delivery and installation fees, internet
service plans, or similar services ("Services"). This Lease will begin and
Products will be deemed irrevocably accepted for purposes of this Lease five
(5) days after shipment from the Supplier (the "Commencement Date"). When you
receive the Products, you agree to inspect them promptly and advise us if
they are not in good working order. We honor Dell Computer Corporation's
("Dell") "Total Satisfaction Return Policy". If you return Dell branded
Products within 30 days after shipment from Dell, in the condition and manner
required by Dell, you may terminate the Lease. You are responsible for
freight charges to deliver and return the Products. Complete details
regarding the "Total Satisfaction Return Policy" are included in the
manufacturer's documentation provided to you with the Products. The first
Rent payment is due thirty (30) days after the Commencement Date, and
subsequent payments of Rent are due on the same date of each subsequent month
(or the last day of the month if there is no such date). You agree to pay us
the Rent for the number of months of the Lease Term stated above. You will
make all payments required under this Lease to us at the address we specify
in writing. You authorize us to adjust the Rent amount by not more than 15%
if the actual Product Cost (which is all amounts we have paid or will pay in
connection with the purchase, delivery and installation of the Products,
including any trade-up and buyout amounts, or amounts incurred by us as a
result of changes you make to your order with the Supplier) differs from the
Product Cost shown above. If any payment of Rent or other amount payable to
us is not paid within ten (10) days after the due date, you will pay us a
late charge equal to the greater of (i) 5% of the late payment amount or (ii)
$5.00 for each late payment (or if less, the highest amount permitted by
applicable law).

2. NO WARRANTIES. WE ARE LEASING THE PRODUCTS TO YOU "AS IS". YOU ACKNOWLEDGE
THAT WE DO NOT MANUFACTURE OR SUPPLY THE PRODUCTS. WE DO NOT REPRESENT THE
MANUFACTURER OR SUPPLIER AND YOU HAVE SELECTED THE PRODUCTS AND THE SUPPLIER
BASED ON YOUR OWN JUDGMENT. WE MAKE NO WARRANTIES OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING THE MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE
OF THE PRODUCT OR ANY SERVICES. WE HEREBY ASSIGN ALL WARRANTIES MADE TO USE
BY SUPPLIER, MANUFACTURER, AND ANY SERVICE PROVIDER TO YOU, AND YOU AGREE
THAT YOU WILL MAKE ALL CLAIMS OF ANY KIND RELATING TO THE PRODUCTS OR
SERVICES AGAINST SUCH SUPPLIER, MANUFACTURER, AND/OR SERVICE PROVIDER.

3. SELECTION AND ORDERING OF PRODUCTS: You select the type and quality of the
Products subject to this Lease. If you have entered into a purchase or supply
contract ("Supply Contract") with any Supplier, you assign your rights but
not your obligations (other than the obligation to pay for the Products if
accepted by you under this Lease) effective prior to the passage of title by
the Supplier to you.

4. LOCATION; USE; ALTERATIONS; INSPECTION: You will use the Products solely
at the location specified in the Lease, or if none is specified, at your
billing address. Except for temporary relocation of laptop personal
computers, you may not move the Products without our prior written consent,
which shall not be unreasonably withheld. At your own expense, you will
maintain the Products in good repair, condition and functional order (except
for ordinary wear and tear) and will use them in compliance with all
applicable laws. You will use all software in accordance with the end user
license terms of the applicable software license agreement ("License"). You
may make additions or improvements to the Products unless the addition or
improvement would violate any License, decrease the value of Products, or
impair their utility. You may remove any such addition or improvement at the
end of the Lease if (i) you repair any damage to Products resulting from the
removal; (ii) you restore the Products to their original and functional
condition (excluding ordinary wear and tear); and, (iii) the removal does not
violate any License or render the Products incapable of use or operation. All
additions or improvements not removed will become our property at no cost to
us. You agree that, we, our assignees, and agents, may inspect the Products
at the premises where the Products are located at any reasonable time with
prior notice.

B S D

Page 1 of 3                           +

<PAGE>

5. TITLE; QUIET ENJOYMENT; PERSONAL PROPERTY; FILING: We are the owner of and
will hold title to the Products. You will keep the Products free from any and
all liens, encumbrances and claims. So long as you are not in Default under
the Lease, we will not interfere with your quiet use and enjoyment of the
Products during the Lease Term or any renewal term. Unless the Purchase
Option is $1, you agree that this transaction is intended to be a true lease
under UCC Article 2A. However, if this transaction is deemed to be a lease
intended for security under UCC Article 9, you grant us a purchase money
security interest in the Products (including any replacements, substitutions,
additions, attachments and proceeds). You authorize us to file a copy of this
Lease as a UCC-1 financing statement (UCC-1) and hereby appoint us or our
designee as your attorney-in-fact to sign on your behalf and to file UCC-1's
covering the Products. You agree to pay a one-time Documentation Fee to cover
our costs for such filing and other documentation costs.

6. LOSS OR DAMAGE: From the time the Products are delivered to a carrier for
shipment to you until their return to us, you are responsible for any loss,
theft, damage to or destruction of the Products ("Loss") from any cause at
all, whether or not the Loss is covered by insurance. You are required to
make all payments under the Lease even if there is a Loss. You must notify us
immediately if there is any Loss. Then at our option, you will either (a)
repair the Products so they are in good condition and working order to our
satisfaction; or (b) replace the Products with like products in good
condition and repair and of the same manufacture and equal or greater
capacity and capability, with clear title thereto in us; or (c) pay us the
"Stipulated Loss Value" which is the sum of: (i) all Rent payments for all
the Products and other amounts past due (plus interest thereon) or currently
owed to us under the Lease, including unpaid taxes and (ii) all future Rent
payments that would accrue over the remaining Lease Term plus our estimated
value of our residual interest of all of the Products at the end of the Lease
Term, such sum to be discounted to present value at a discount rate equal to
the Federal Reserve Bank Discount Rate in effect at the Commencement Date of
the Lease ("Discount Rate"). When you pay the amount of (c) about to us, we
will transfer to you our interest in the Products, "AS-IS-WHERE-IS", without
any warranty, express or implied, including warranty of merchantability or
fitness for any particular purpose.

7. INSURANCE: You will provide and maintain, at your expense, (a) property
insurance against the loss or theft of or damage to the Products, for their
full replacement value naming us as loss payee and (b) public liability and
third party property damage insurance naming us as an additional insured. All
insurance shall be in a form and amount and with companies satisfactory to us
and will provide that we will be given thirty (30) days written notice before
cancellation or material change of the policy. At our request, you will
deliver the policies or certificates of insurance to us. If you do not give
us evidence of insurance acceptable to use we have the right, but not the
obligation, to obtain such insurance covering our interest in the Products
for the Lease Term. The cost for such insurance will be an additional amount
due from you under the Lease.

8. TAXES: You will pay when due, either directly or to us on demand, all
taxes (local, state and federal), fines or penalties which may now or
hereafter be imposed or levied upon the Lease and the Products, excluding
taxes on our net income. We do not have to contest any taxes, fines or
penalties. We may, at our option, charge you a liquidated monthly personal
property management fee, to be added to Rent payments owed under this Lease.

9. RETURN: Unless the Lease is renewed or you purchase the Products in
accordance with the terms of the Lease, you will immediately deliver the
Products and original operating system software, (including but not limited
to the operating software kit, manuals, cables, power cords, keys, etc.) in
good repair, operable condition and able to qualify for the manufacturer's
warranty service (ordinary wear and tear excepted) to any place in the
continental United States that we direct. You will pay all expenses for
deinstalling, packing and shipping and you will insure the Products for the
full replacement value during shipping. You will immediately pay us on demand
the costs and expenses of all missing or damaged Products (including the
operating software kit).

10. PURCHASE OPTION; AUTOMATIC RENEWAL: If no Default exists under the Lease,
you will have the option at the end of the Lease Term to purchase all (but
not less than all) of the Products for the amount of the Purchase Option
price shown above which, if it is the then fair market value of the Products,
will be as determined by us, plus any applicable taxes. Unless the Purchase
Option price is $1, you must give us written notice at least ninety (90) days
before the end of the Lease Term that you will purchase the Products or that
you will return the Products to us. Unless you purchase the Products or
return the Products to us on the last day of the Lease Term, this Lease will
automatically renew for an additional ninety (90) day term and thereafter on
a continuing month to month basis until you give us thirty (30) days notice
and deliver the Products to us. During such renewal terms, the Rent payment
will remain the same. If the Fair Market Value Purchase Option has been
selected we will use our reasonable judgement to determine the Products' in
place value. If you do not agree with our determination, the fair market
retail value will be determined for you at your expense by an independent
appraiser elected by us. Upon payment of the Purchase Option price in full,
we will transfer our interest in the Products to you "AS-IS-WHERE-IS",
without any warranty whatsoever, and the Lease will terminate.

11. ASSIGNMENT: YOU MAY NOT ASSIGN, SELL, TRANSFER, OR SUBLEASE THE PRODUCTS
OR YOUR INTEREST IN THIS LEASE. We may, without notifying you, sell, assign,
or transfer the Lease and our rights in the Products. You agree that the new
owner will have the same rights and benefits that we have now under this
Lease, but not our obligations. The rights of the new owner will not be
subject to any claim, defense, or setoff that you may have against us.

12. DEFAULT: Each of the following is a default ("Default") under the Lease:
(a) you fail to pay any Rent or any other payment within 10 days of its due
date; (b) you do not perform any of your obligations under the Lease or in
any other agreement with us or with any of our affiliates and this failure
continues for 10 days after we have notified you of it; (c) you become
insolvent, you dissolve or are dissolved, you assign your assets for the
benefit of your creditors or enter voluntarily or involuntarily any
bankruptcy or other reorganization proceeding; (c) you or any Guarantor
provide us incorrect or untrue information regarding any material matter in
connection with your application for credit or entering into this Lease; or
(d) if this Lease has been guaranteed by someone other than you, any
guarantor of the Lease dies, does not perform its obligations under the
Guaranty or becomes subject to one of the events listed in clause (c).

13. REMEDIES: If a Default occurs, we may do one or more of the following:
(a) we may cancel or terminate the Lease or any agreements that we have
entered into with you or withdraw any offer of credit; (b) we may require you
to pay us, as compensation for loss of our bargain and not as a penalty, a
sum equal to (i) the Stipulated Loss Value calculated under clause 6 plus
(ii) all other amounts due and to become due under the Lease; (c) we may
require you to deliver the Products to us as set forth in clause 9; (d) we or
our agent may peacefully repossess the Products without court order and you
will not make any claims against us for trespass, damages or any other reason
and (e) we may exercise any other right at law or in equity. You agree to pay
all of our costs of enforcing our rights against you, including reasonable
attorney's fees. If we take possession of the Products we may sell or
otherwise dispose of the Products, with or without notice at public or
private sale and apply the net proceeds (after we have deducted our costs
related to the sale and disposition) to the amounts that you owe us. You
agree that if notice of a sale is required by law to be given, 10 days notice
will constitute reasonable notice. You will remain responsible for any
amounts that are due after we have applied such net proceeds.

14. INDEMNITY: You are responsible for losses, damages, penalties, claims,
costs (including attorneys' fees and expenses), actions, suits and
proceedings of every kind, (collectively "Claims") whether based on a theory
of strict liability or otherwise caused by or related to this Lease or the
Products, (including any defects in the Products). You will reimburse us for,
and if we request defend us against, any Claims.

15. ARBITRATION: Either party to this Lease may choose to have any dispute,
claim, or controversy arising from or relating to this Lease, any prior
agreement or lease between the parties, any application or advertisement
related to this Lease or the validity of this arbitration clause or the
entire Lease, resolved by binding arbitration pursuant to the Commercial
Arbitration Rules of the American Arbitration Association. If such rules
conflict with this arbitration agreement, however, then the terms of this
arbitration agreement shall control. This arbitration agreement is made
pursuant to a transaction involving interstate commerce, and shall be
governed by the Federal Arbitration Act at 9 U.S.C. Section 1 ET SEQ.
Judgement upon the award rendered may be entered in any court having
jurisdiction. Any arbitration award in excess of $100,000 made pursuant to
this arbitration agreement may be appealed by the party against which the
award is made. Such appeal will be a de novo arbitration proceeding before
three arbitrators. The parties agree and understand that they may choose
arbitration instead of litigation to resolve disputes. The parties under that
that they have a right opportunity to litigate disputes in court, but may
elect to resolve their disputes through arbitration as provided herein. The
parties agree and understand that all disputes arising under case law,
statutory law, and all other laws including, but not limited to, all
contract, tort, and property disputes, may be subject to binding arbitration
in accord with this Lease. No class action or request for relief may be
brought under this arbitration agreement. You agree that you shall not have
the right to participate in arbitration or in court proceedings as a
representative or a member of any class of claimants pertaining to any claim
arising from or relating to this Lease. The parties agree and understand that
the arbitrator shall have all powers provided by law and this Lease, except
for powers limited or prohibited by this Lease. Notwithstanding anything
herein to the contrary, we retain an option to use judicial or non-judicial
relief to recover the Products or to enforce our security interest in the
Products, to enforce the monetary obligation secured by the Products or to
foreclose on the Products. Such judicial relief would take the form of a
lawsuit. The institution and maintenance of any action for judicial relief in
a court to foreclose upon any Products, to obtain a monetary judgment or to
enforce this Lease, shall not constitute a waiver of the right of any party
to compel arbitration regarding any other dispute or remedy subject to
arbitration in this Lease, including the filing of a counterclaim in a suit
brought by us pursuant to this provision. YOU UNDERSTAND AND AGREE THAT IN
ARBITRATION: YOU GIVE UP RIGHTS TO SEEK REMEDIES IN COURT, INCLUDING THE
RIGHT TO A JURY

Page 2 of 3

<PAGE>

TRIAL; YOUR ABILITY TO COMPEL OTHER PARTIES TO PRODUCE DOCUMENTS OR BE
EXAMINED IS MORE LIMITED THAN IN A LAWSUIT; AND, YOUR RIGHTS TO APPEAL OR
CHANGE ANY ARBITRATION AWARD IN ANY COURT ARE STRICTLY LIMITED.

16. FINANCE LEASE: You agree that if Article 2A of the Uniform Commercial
Code applies to this Lease, this Lease will be considered a "finance lease"
as defined by Article 2A and by signing this Lease you acknowledge that
either (1) you have received, reviewed and approved the supply contract with
the Supplier or (2) we have informed you of the identity of the Supplier,
that you may have rights and warranties under the supply contracts for the
Products and you may contact the Supplier of the Products for a description
of those rights and warranties. TO THE EXTENT PERMITTED BY APPLICABLE LAW,
YOU HEREBY WAIVE ANY AND ALL RIGHTS AND REMEDIES CONFERRED UPON A LESSEE BY
ARTICLE 2A.

17. MISCELLANEOUS: You agree that the terms and conditions of this Lease make
up the entire agreement between you and us regarding the lease of the
Products. Any change in the terms and conditions of the Lease must be in
writing and signed by us. You agree however, that we are authorized, without
notice to you, to supply missing information or correct obvious errors in
this Lease. All of our rights and remedies will survive termination of this
Lease. All notices under this Lease will be given in writing and will be
considered given when deposited in the U.S. mail, postage prepaid, addressed
to the respective address given below or to a substitute address specified in
writing by one of us to the other. Any failure of ours to require strict
performance by you or any waiver by us of any provision in this Lease will
not be construed as a consent or waiver of any other breach of the same or
any provision. If any portion of this Lease is deemed invalid, it will not
affect the balance of this Lease. It is the express intent of both of us not
to violate any usury laws or to exceed the maximum amount of time price
differential, or interest as applicable permitted to be charged, or collected
under applicable law and any such excess payment will be applied to payments
under the Lease in inverse order of maturity and the remaining payments will
be refunded to you. If a signed copy of this Lease is delivered to us by
facsimile transmission, it will be binding on you, however, we will not be
bound by this Lease until we accept it by manually or electronically signing
it or by purchasing the Products, whichever occurs fist. You waive notice of
our acceptance and waive your right to receive a copy of the accepted Lease.
You agree that, notwithstanding any rule of evidence to the contrary, in any
hearing, trial or proceeding of any kind with respect to this Lease, we may
produce a copy of the Lease transmitted to us by facsimile transmission that
has been manually signed by us and such signed copy shall be deemed to be the
original of this Lease. To the extent (if any) that this Lease constitutes
chattel paper under the Uniform Commercial Code, no security interest in this
Lease may be created through the transfer and possession of any copy or
counterpart hereof except the copy with our original signature. If you
deliver this Lease to us by facsimile transmission, you acknowledge that we
are relying on your representation that this Lease has not been changed.

BY SIGNING THIS LEASE: (a) YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND
THE TERMS AND CONDITIONS OF THIS LEASE; (b) YOU AGREE THAT THIS LEASE IS A
NET LEASE AND YOU CANNOT TERMINATE OR CANCEL AND UPON ACCEPTANCE OF THE
PRODUCTS YOU HAVE AN UNCONDITIONAL OBLIGATION TO MAKE ALL PAYMENTS UNDER THIS
LEASE AND YOU CANNOT WITHHOLD, SETOFF OR REDUCE SUCH PAYMENTS FOR ANY REASON;
(c) YOU AGREE THAT THE PRODUCTS WILL RE USED FOR BUSINESS PURPOSES ONLY AND
NOT FOR PERSONAL, FAMILY OR HOUSEHOLD PURPOSES; (d) YOU CONFIRM THAT THE
PERSON SIGNING THIS LEASE FOR YOU HAS THE AUTHORITY TO DO SO AND TO GRANT THE
POWER OF ATTORNEY IN SECTION 5; (e) YOU AGREE THAT THIS LEASE WILL BE
GOVERNED BY THE LAWS OF THE STATE OF ILLINOIS AND YOU CONSENT TO THE
JURISDICTION OF ANY COURT LOCATED WITHIN THAT STATE AND YOU EXPRESSLY WAIVE
THE RIGHT TO A TRIAL BY JURY AND (f) YOU CONFIRM THAT THE INFORMATION IN ANY
APPLICATION, STATEMENT, TRADE REFERENCE OR FINANCIAL REPORT SUBMITTED TO US
IS TRUE AND CORRECT AND YOU UNDERSTAND THAT ANY MATERIAL MISREPRESENTATION
SHALL CONSTITUTE A DEFAULT UNDER THE LEASE.

<TABLE>
<S><C>
------------------------------------------------------------ ---------------------------------------------------------
LESSEE:                                                      LESSOR:
HOMESTEAD.COM, INC.                                          Dell Financial Services L.P.      (800) 955-3355
                                                             P.O. Box 99200                    FAX (512) 671-814
                                                             840 S Canal Street 3rd Floor
                                                             Chicago, IL  60693
------------------------------------------------------------ ---------------------------------------------------------
AUTHORIZED SIGNATURE                                         AUTHORIZED SIGNATURE

/s/ ANDREW CHMYZ
--------------------------------------------- -------------- ------------------------------------------ --------------
PRINT NAME AND TITLE                          1/11/2000      PRINT NAME AND TITLE
ANDREW CHMYZ, CONTROLLER                      DATE                                                      DATE
--------------------------------------------- -------------- ------------------------------------------ --------------
 770384549

FEDERAL EMPLOYEE ID # (or SOCIAL SECURITY NUMBER for SOLE PROPRIETORS)
THIS NUMBER MUST BE PROVIDED ON THE EXECUTED LEASE AGREEMENT
-----------------------------------------------------------------------------------------------------------------------
                           PERSONAL AND CONTINUING GUARANTY OF LEASE NO. 005180742-003
-----------------------------------------------------------------------------------------------------------------------
THIS PERSONAL AND CONTINUING GUARANTY ("GUARANTY") CREATES SPECIFIC LEGAL
OBLIGATIONS. WHEN WE USE THE WORDS YOU AND YOUR IN THIS GUARANTY WE MEAN THE
PERSONAL GUARANTORS INDICATED BELOW. WHEN WE USE THE WORDS WE, US AND OUR IN THE
GUARANTY WE MEAN THE LESSOR INDICATED IN THE LEASE AGREEMENT ABOVE (THE
"LEASE"). IN CONSIDERATION OF OUR ENTERING INTO THE LEASE, YOU UNCONDITIONALLY
AND IRREVOCABLY GUARANTEE TO US, OUR SUCCESSORS AND ASSIGNS, THE PROMPT PAYMENT
AND PERFORMANCE OF ALL OBLIGATIONS OF LESSEE UNDER THE LEASE REGARDLESS OF ANY
CIRCUMSTANCE WHICH MIGHT OTHERWISE BE A DEFENSE AVAILABLE TO, OR A DISCHARGE OF,
LESSEE OR YOU. YOU AGREE THAT THIS A GUARANTY OF PAYMENT AND NOT OF COLLECTION,
AND THAT WE CAN PROCEED DIRECTLY AGAINST YOU WITHOUT FIRST PROCEEDING AGAINST
LESSEE OR THE PRODUCTS. YOU WAIVE ALL DEFENSES AND NOTICES, INCLUDING THOSE OF
PROTEST, PRESENTMENT AND DEMAND, NOTICE OF ACCEPTANCE HEREOF AND ALL OTHER
NOTICES OF ANY KIND. YOU AGREE THAT WE CAN RENEW, EXTEND OR OTHERWISE MODIFY THE
TERMS OF THE LEASE WITHOUT RELEASING YOU. YOU WILL PAY ALL OUR EXPENSES
INCLUDING ATTORNEYS' FEES INCURRED BY US IN ENFORCING OUR RIGHTS AGAINST YOU.
THIS IS A CONTINUING GUARANTY THAT WILL NOT BE DISCHARGED OR AFFECTED BY YOUR
DEATH AND WILL BIND YOUR HEIRS, ADMINISTRATORS AND PERSONAL REPRESENTATIVES. WE
MAY, WITHOUT AFFECTING YOUR LIABILITY HEREUNDER, COMPROMISE OR RELEASE ANY
RIGHTS AGAINST LESSEE OR THE PRODUCTS OR YOU. YOU CONSENT TO THE TRANSFER, SALE
OR ANY OTHER DISPOSITION OF THE PRODUCTS AND THE LEASE. IF MORE THAN ONE PERSON
HAS SIGNED THIS GUARANTY, EACH OF YOU AGREES THAT ITS LIABILITY IS JOINT AND
SEVERAL. THE GUARANTY MAY BE ENFORCED BY ANY ASSIGNEE OR SUCCESSOR OF OURS TO
THE SAME EXTENT AS WE MAY ENFORCE IT. YOU AUTHORIZE US OR ANY OUR AFFILIATES TO
OBTAIN CREDIT BUREAU REPORTS REGARDING YOUR PERSONAL CREDIT AND MAKE OTHER
CREDIT INQUIRES THAT WE DETERMINE ARE NECESSARY. THIS GUARANTY SHALL BE GOVERNED
BY THE INTERNAL LAWS OF ILLINOIS. YOU EXPRESSLY AGREE TO ARBITRATION AS PROVIDED
IN PARAGRAPH 15.
-----------------------------------------------------------------------------------------------------------------------
Date
    --------------
     (Date Signed)
                   --------------------------------------------- ------------------------------------------------------
                   INDIVIDUAL GUARANTOR NAME (PRINTED)           GUARANTOR SOCIAL SECURITY NUMBER
                   ----------------------------------------------------------------------------------------------------

                   --------------------------------------------- ------------------------------------------------------
                   By
                   --------------------------------------------- ------------------------------------------------------
                   SIGNATURE INDIVIDUAL GUARANTOR (NO TITLE)     GUARANTOR HOME ADDRESS (STREET CITY STATE AND ZIP CODE)
-----------------------------------------------------------------------------------------------------------------------
</TABLE>

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