Document:

<PAGE>
                                                                   EXHIBIT 10.19

                       THIRD AMENDMENT TO CREDIT AGREEMENT

     THIS THIRD AMENDMENT TO CREDIT AGREEMENT (this "Amendment") is entered into
as of September 30, 2002, among PMC COMMERCIAL TRUST, a real estate investment
trust organized under the laws of the State of Texas ("Borrower"), certain
Lenders, and BANK ONE, NA, a national banking association with its main office
in Chicago, Illinois, successor by merger to Bank One, Texas, N.A.
("Administrative Agent").

                             PRELIMINARY STATEMENT:

     Borrower, Administrative Agent and Lenders are party to that certain Credit
Agreement (as renewed, extended, amended and restated, the "Credit Agreement")
dated as of November 29, 1999, pursuant to which the Lenders have made and may
hereafter make loans to Borrower. Concurrently herewith, Midfirst Bank and Texas
Capital Bank, N.A. are assigning all of their rights and interests as Lenders
under the Credit Agreement to Bank One, NA. Borrower, Administrative Agent and
Bank One, NA, as sole remaining Lender after the assignments described above,
have agreed to amend the Credit Agreement in order to (i) reduce the Commitment
and Bank One, NA's Committed Sum to $30,000,000, and (ii) extend the Stated
Termination Date to March 22, 2003.

     Accordingly, for adequate and sufficient consideration, the receipt of
which is hereby acknowledged, Borrower, Administrative Agent and Lenders agree
as follows:

     1. Defined Terms; References. Unless otherwise stated in this Amendment (a)
terms defined in the Credit Agreement have the same meanings when used in this
Amendment and (b) references to "Sections," "Schedules" and "Exhibits" are to
sections, schedules and exhibits to the Credit Agreement.

     2. Amendments.

          (a)  The defined term "Commitment" in Section 1.1 of the Credit
               Agreement is amended in its entirety as follows:

               "Commitment" means an amount (subject to reduction or
               cancellation as herein provided) equal to $30,000,000.

          (b)  The defined term "Stated Termination Date" in Section 1.1 of the
               Credit Agreement is amended in its entirety as follows:

               "Stated Termination Date" means March 22, 2003.

          (c)  Schedule 2 to the Credit Agreement is hereby amended in its
               entirety as set forth on Annex A attached hereto.

     3. Conditions Precedent. Notwithstanding any contrary provisions, the
foregoing paragraphs in this Amendment are not effective unless and until (a)
the representations and warranties in this Amendment are true and correct, (b)
Lender receives counterparts of this

<PAGE>

Amendment executed by each party named below, (c) the assignments of interests
contemplated by the Preliminary Statement above have been completed, and (d)
Borrower executes and delivers to Bank One, NA a renewal and replacement
Revolving Note in the maximum principal amount of $30,000,000.

     4. Ratifications. This Amendment modifies and supersedes all inconsistent
terms and provisions of the Credit Documents, and except as expressly modified
and superseded by this Amendment, the Credit Documents are ratified and
confirmed and continue in full force and effect. Borrower, Administrative Agent
and Lenders agree that the Credit Documents, as amended by this Amendment,
continue to be legal, valid, binding and enforceable in accordance with their
respective terms. Without limiting the generality of the foregoing, Borrower
hereby ratifies and confirms that all Liens heretofore granted to Administrative
Agent on behalf of the Lenders were intended to, do, and continue to secure the
full payment and performance of the Obligation. Borrower agrees to perform such
acts and duly authorize, execute, acknowledge, deliver, file and record such
additional assignments, security agreements, modifications or amendments to any
of the foregoing, and such other agreements, documents, and instruments as
Administrative Agent or Lenders may reasonably request in order to perfect and
protect those Liens and preserve and protect the rights of Administrative Agent
and Lenders in respect of all present and future Collateral.

     5. Representations and Warranties. Borrower hereby represents and warrants
to Administrative Agent and Lenders that (a) this Amendment and any Credit
Documents to be delivered under this Amendment have been duly executed and
delivered by Borrower, (b) no action of, or filing with, any Governmental
Authority is required to authorize, or is otherwise required in connection with,
the execution, delivery, and performance by Borrower of this Amendment and any
Credit Document to be delivered under this Amendment, (c) this Amendment and any
Credit Documents to be delivered under this Amendment are valid and binding upon
Borrower and are enforceable against Borrower in accordance with their
respective terms, except as limited by any applicable Debtor Relief Laws, (d)
the execution, delivery and performance by Borrower of this Amendment and any
Credit Documents to be delivered under this Amendment do not require the consent
of any other Person and do not and will not constitute a violation of any
Governmental Requirements, agreements or understandings to which Borrower is a
party or by which Borrower is bound, (e) the representations and warranties
contained in the Credit Agreement, as amended by this Amendment, and any other
Credit Document are true and correct in all material respects as of the date of
this Amendment, and (f) as of the date of this Amendment, no Event of Default or
Potential Default exists or is imminent.

     6. References. All references in the Credit Documents to the "Credit
Agreement" refer to the Credit Agreement as amended by this Amendment. This
Amendment is a "Credit Document" referred to in the Credit Agreement and the
provisions relating to Credit Documents in the Credit Agreement are incorporated
by reference, the same as if set forth verbatim in this Amendment.

     7. Counterparts. This Amendment may be executed in any number of
counterparts with the same effect as if all signatories had signed the same
document.

                                       2
<PAGE>

     8. Parties Bound. This Amendment binds and inures to the benefit of
Borrower, Administrative Agent and each Lender, and, subject to Section 14 of
the Credit Agreement, their respective successors and assigns.

     9. Entirety. THIS AMENDMENT, THE CREDIT AGREEMENT AS AMENDED BY THIS
AMENDMENT, AND THE OTHER CREDIT DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN
THE PARTIES FOR THE TRANSACTIONS THEREIN, AND MAY NOT BE CONTRADICTED BY
EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENT BETWEEN THE
PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENT BETWEEN THE PARTIES.

     EXECUTED as of the date first stated above.

                                   BANK ONE, NA,
                                   as Administrative Agent and a Lender

                                   By:
                                       ---------------------------------------
                                          Bradley C. Peters, Vice President

                                   PMC COMMERCIAL TRUST,
                                   as Borrower

                                   By:
                                       ---------------------------------------
                                   Name:
                                         -------------------------------------
                                   Title:
                                          ------------------------------------

                                       3<PAGE>
                                                                   EXHIBIT 10.20

Robert Bartlett
Executive Vice President, Chief Financial Officer and Treasurer
Engage, Inc.
100 Brickstone Square
Andover, MA 01810

May 10, 2002

RE: ENGAGE, INC. -- LETTER AGREEMENT WITH ROBERT BARTLETT
    -----------------------------------------------------

Dear Bob:

         This letter summarizes the terms under which you will work at Engage,
Inc. ("Engage" or the "Company") in connection with the transition of your
duties to a successor, your participation in the final wind-down of the media
unit of Engage, the payment of a bonus, and the provision of a severance payment
at the conclusion of your employment with the Company. This letter replaces and
supercedes any and all prior discussions and conversations, whether written or
oral, regarding the matters discussed herein. Provided that you are not
terminated for Cause (as such term is defined in Section 5(a) hereof), you
satisfy the duties described herein, and you sign the Company's severance
documentation that the form of which is provided in the appendix to this letter
agreement, the Company will pay you the sums as described below. By signing and
returning this letter, you will be entering into a binding agreement with the
Company and will be agreeing to the terms and conditions set forth herein.

         1.       ON-GOING CFO RESPONSIBILITIES. You agree that you will
continue to perform your tasks and responsibilities as Executive Vice President,
Chief Financial Officer ("CFO") and Treasurer of Engage, including without
limitation the supervision of and participation in forecasting, budgeting, final
wind-down of Engage's media unit and the work you regularly perform in your
capacity as CFO and Treasurer, as well as any task reasonably required of you in
connection with any transition of your duties and responsibilities to a
successor CFO and Treasurer. You shall continue to report to and take direction
and receive assignments from the Chief Executive Officer of Engage.

         2.       RETENTION BONUS. In the event that your employment with the
Company continues during the period beginning on the date hereof and ending at
the close of business on (i) October 31, 2002, or (ii) thirty (30) days
following the start date of a new CFO, whichever date occurs first (the
"Retention Period"), you shall receive a cash payment in the amount of $50,000,
less applicable taxes and withholding (the "Retention Bonus"). The Retention
Bonus will be paid to you after the expiration of the Retention Period and
within 30 days of your execution and non-revocation of the release, attached
hereto as APPENDIX A (the "Release"), of any and all claims you may have against
the Company and its officers, employees, directors, parents and affiliates.
<PAGE>

You understand and agree that the payment of the Retention Bonus called for by
this Section 2 is contingent on your execution and non-revocation of the
Release.

         In the event that your employment is terminated by the Company prior to
the expiration of the Retention Period for a reason other than Cause, the
Company shall pay to you the Retention Bonus after the Termination Date (as such
term is defined in Section 5(b) hereof) and within 30 days of your execution and
non-revocation of the Release. You understand and agree that the payment of the
Retention Bonus called for by this Section 2 is contingent on your execution and
non-revocation of the Release.

         Notwithstanding anything to the contrary in this Section 2, you shall
be ineligible to receive the Retention Bonus if you are terminated for Cause
prior to the expiration of the Retention Period.

         Your current 401(k) contributions will continue through the Termination
Date and the employer match portion of your 401(k) account will vest in
accordance with the Company's 401(k) Summary Plan Description.

         3.       SEVERANCE PAYMENT. In the event that your employment is
terminated by the Company for a reason other than for Cause, either prior to or
after the expiration of the Retention Period, you shall receive, as severance
pay, a cash payment in an amount equal to (i) 8 weeks of your then current base
wages, plus (ii) one (1) week of your then current base wages for every
completed six (6) months of continuous service to the Company, less, in each
case, applicable taxes and withholding (collectively, the "Severance Payment").
You acknowledge that your start date shall be deemed to be 6/21/99 (which was
your start date with an affiliated company of Engage). The Severance Payment
will be made to you within 30 days of your execution and non-revocation of the
Release, of any and all claims you may have against the Company and its
officers, employees, directors, parents and affiliates. You understand and agree
that the payment of the Severance Payment called for by this Section 3 is
contingent on your execution and non-revocation of the Release (the execution of
such Release shall not occur prior to the Termination Date). Notwithstanding
anything to the contrary in this letter agreement, you shall be ineligible to
receive the Severance Payment if you are terminated for Cause.

         4.       SOLE REMEDY. The payments to you of the amounts payable under
Sections 2, 3, and 4, together with payment of up to 80 hours of accrued but
unused vacation time, if any, and reimbursement of valid business expenses,
shall constitute the sole remedy by you in the event of a termination of your
employment by the Company for a reason other than Cause, during the Retention
Period.

         5.       DEFINITIONS. For purposes of this letter agreement, the
following terms shall have the following meanings:

                  (a)      "Cause" shall mean a good faith finding by the
                  Company of: (i) your commission of any act involving fraud,
                  embezzlement, theft, misrepresentation, dishonesty or moral
                  turpitude; (ii) your indictment for the commission of a
                  material

<PAGE>

                  crime on the basis of alleged facts of such a serious nature
                  that the Company has reasonable cause to believe that you
                  cannot effectively discharge your duties and responsibilities,
                  or your indictment for the commission of a material business
                  related crime; (iii) any gross misconduct by you, including
                  material insubordination; (iv) failure by you to materially
                  perform the duties of your position; (v) any material breach
                  by you of this agreement, the Nondisclosure and Developments
                  Agreement between you and the Company dated September 29, 2000
                  and the Non-Competition Agreement between you and the Company
                  dated September 29, 2000; or (vi) disclosure by you to any
                  third party of any component of the terms of this confidential
                  letter agreement, except for disclosure made by you to your
                  legal, accounting, tax or financial advisors, to members of
                  your immediate family, or to any federal, state or local
                  governmental agency.

                  (b)      "Termination Date" shall mean your last day on the
                  payroll of the Company.

         6.       NOT AN EMPLOYMENT CONTRACT. This letter agreement does not
constitute a guarantee of employment or contract of employment and your
employment may be terminated by you or the Company at any time and for any
reason.

         7.       CONFIDENTIALITY. You acknowledge that the existence and terms
of this letter agreement are confidential. You agree not to disclose the
existence or terms of this agreement to any other person, other than to your
immediate family members, legal counsel, accountants, tax return preparer,
financial planner, or to any federal, state, or local government agency, each of
which shall be informed of the confidentiality obligations imposed by this
agreement. Notwithstanding the foregoing, you may disclose the existence but not
the terms of this agreement to a prospective employer, provided that such
prospective employer shall be informed of the confidentiality obligations
imposed by this agreement.

         8.       AMENDMENT. This letter agreement may be amended or modified
only by a written instrument executed by both the Company and you.

         9.       GOVERNING LAW. This letter agreement shall be governed and
construed in accordance with the laws of the Commonwealth of Massachusetts. Any
action, suit or other legal matter arising under or relating to any provision of
this letter agreement shall be commenced only in a court of the Commonwealth of
Massachusetts (or, if appropriate, a federal court located within
Massachusetts), and the Company and the Employee each consents to the
jurisdiction of such a court. The Company and you each hereby irrevocably waive
any right to a trial by jury in any action, suit or other legal proceeding
arising under or relating to any provision of this letter agreement.

         10.      SUCCESSORS AND ASSIGNS. This letter agreement shall be binding
upon and inure to the benefit of both parties and their respective successors
and assigns, including any corporation with which or into which the Company may
be merged or which may succeed to its assets or business, provided, however,
that the obligations to you are personal and shall not be assigned by you.

<PAGE>

         11.      WAIVERS. No delay or omission by the Company in exercising any
right under this letter agreement shall operate as a waiver of that or any other
right. A waiver or consent given by the Company on any one occasion shall be
effective only in that instance and shall not be construed as a bar or waiver of
any right on any other occasion.

         12.      CAPTIONS. The captions of the sections of this letter
agreement are for convenience of reference only and in no way define, limit or
affect the scope or substance of any section of this letter agreement.

         13.      SEVERABILITY. In case any provisions of this letter agreement
shall be invalid, illegal or otherwise unenforceable, the validity, legality and
enforceability of the remaining provisions shall in no way be affected or
impaired thereby.

By signing below, you acknowledge that you have carefully read this letter
agreement and the document attached as APPENDIX A and understand and agree to
all of their terms. Please return one signed copy of this letter agreement to
me.

Sincerely,

/s/ Christopher Cuddy
------------------------
Christopher Cuddy
Chief Executive Officer

ACCEPTED:

/s/ Robert Bartlett                                   May 10, 2002
--------------------------------                      -----------------------
Robert Bartlett                                       Date

Enclosures

cc:      Daniel Carroll, Esq. (w/ encl.)
         George McMillan (w/ encl.)
         Edward Bennett (w/ encl.)

<PAGE>

                                   APPENDIX A

______________, 2002

Robert Bartlett
Executive Vice President, Chief Financial Officer and Treasurer
Engage, Inc.
100 Brickstone Square
Andover, MA 01810

Dear Bob:

         In connection with the termination of your employment with Engage, Inc.
("Engage" or the "Company") on ___________, 2002, and pursuant to your letter
agreement of May 10, 2002 (the "May Letter Agreement") with Engage, you are
eligible to receive the retention and severance benefits described in the
"Description of Retention and Severance Benefits" attached to this letter as
ATTACHMENT A if you sign and return this letter agreement to Jill Buckley,
Director of Human Resources, in the enclosed envelope by _________, 2002 (the
"Return Date") By signing and returning this letter, you will be entering into a
binding agreement with the Company and will be agreeing to the terms and
conditions set forth in the numbered sections below, including the release of
claims set forth in Section 4. Therefore, you are advised to consult with your
attorney before signing this letter and you may take up to twenty-one (21) days
from the date of this letter to do so. If you sign this letter, you may change
your mind and revoke your agreement during the seven (7) day period after you
have signed it. If you do not so revoke, this letter will become a binding
agreement between you and the Company upon the expiration of the seven (7) day
revocation period.

         If you choose not to sign and return this letter agreement by the
Return Date, you shall not receive any retention bonus or severance benefits
from the Company. You will, however, receive payment on your termination for up
to 80 hours of unused vacation time, if any, accrued through the Termination
Date (as such term is defined in Section 1 herein). Also, regardless of whether
you sign this letter, you may elect to continue receiving group health insurance
pursuant to the federal "COBRA" law, 29 U.S.C. ss. 1161 ET SEQ, providing you
fulfill all enrollment and participation requirements. If you elect COBRA and
choose to sign this letter and do not revoke it within the seven (7) day
revocation period, Engage will cover the cost of the medical portion for one
additional month after your Termination Date. All premium costs thereafter shall
be paid by you on a monthly basis for as long as, and to the extent that, you
remain eligible for COBRA continuation. You should consult the COBRA materials
to be provided by the Company for details regarding these benefits. All other
benefits, including life insurance and long term disability, will cease upon
your Termination Date. Further, pursuant to the Company's stock option plan(s),
you will have up to one month after your Termination Date to exercise any vested
options to purchase Engage stock that you may have, as provided for by the
plan(s). All unvested options will be cancelled on the Termination Date.
<PAGE>

         As part of the May Letter Agreement, you are eligible to receive the
Severance Benefits and Retention Bonus, as such terms are defined and described
below.

         If, after reviewing this letter agreement with your attorney, you find
the terms and conditions are satisfactory to you, you should sign and return
this letter to Jill Buckley in the enclosed envelope by the Return Date.

         The following numbered sections set forth the terms and conditions
which will apply if you timely sign and return this letter agreement and do not
revoke it within the seven (7) day period:

1.       TERMINATION DATE -- Your effective date of termination from the Company
         is __________, 2002 (the "Termination Date").

2.       DESCRIPTION OF SEVERANCE BENEFITS -- The severance benefits (the
         "Severance Benefits") to be paid to you if you timely sign and return
         this letter are described in the "Description of Retention and
         Severance Benefits" section attached as ATTACHMENT A.

3.       DESCRIPTION OF RETENTION BONUS -- The retention bonus (the "Retention
         Bonus")to be paid to you if you timely sign and return this letter is
         described in the "Description of Retention and Severance Benefits"
         section attached as ATTACHMENT A.

4.       RELEASE -- In consideration of the payment of the severance benefits,
         which you acknowledge you would not otherwise be entitled to receive,
         you hereby fully, forever, irrevocably and unconditionally release,
         remise and discharge the Company, its officers, directors,
         stockholders, corporate affiliates, subsidiaries, parent companies,
         agents and employees (each in their individual and corporate
         capacities) (hereinafter, the "Released Parties") from any and all
         claims, charges, complaints, demands, actions, causes of action, suits,
         rights, debts, sums of money, costs, accounts, reckonings, covenants,
         contracts, agreements, promises, doings, omissions, damages,
         executions, obligations, liabilities, and expenses (including
         attorneys' fees and costs), of every kind and nature which you ever had
         or now have against the Released Parties arising out of your employment
         with and/or separation from the Company, including, but not limited to,
         all employment discrimination claims under Title VII of the Civil
         Rights Act of 1964, 42 U.S.C. ss. 2000e ET SEQ., the Age Discrimination
         in Employment Act, 29 U.S.C. ss. 621 ET SEQ., the Americans With
         Disabilities Act of 1990, 42 U.S.C., ss. 12101 ET SEQ., the Family and
         Medical Leave Act, 29 U.S.C. ss. 2601 ET SEQ., and the Massachusetts
         Fair Employment Practices Act., M.G.L. c.151B, ss. 1 ET SEQ., all as
         amended; all claims arising out of the Fair Credit Reporting Act, 15
         U.S.C. ss. 1681 ET SEQ., the Employee Retirement Income Security Act of
         1974 ("ERISA"), 29 U.S.C. ss. 1001 ET SEQ., the Worker Adjustment and
         Retraining Notification Act,

<PAGE>

         29 U.S.C. ss. 2101 ET SEQ., the Massachusetts Civil Rights Act, M.G.L.
         c.12 ss. ss. 11H and 11I, the Massachusetts Equal Rights Act, M.G.L.
         c.93, ss. 102 and M.G.L. c.214, ss. 1C, the Massachusetts Labor and
         Industries Act, M.G.L. c.149, ss. 1 ET SEQ., the Massachusetts Privacy
         Act, M.G.L. c. 214, ss. 1B, and the Massachusetts Maternity Leave Act,
         M.G.L. c. 149, ss. 105(d), all as amended; all common law claims
         including, but not limited to, actions in tort, defamation and breach
         of contract; all claims to any non-vested ownership interest in the
         Company, contractual or otherwise, including but not limited to claims
         to stock or stock options; and any claim or damage arising out of your
         employment with or separation from the Company (including a claim for
         retaliation) under any common law theory or any federal, state or local
         statute or ordinance not expressly referenced above; provided, however,
         that nothing in this Agreement prevents you from filing, cooperating
         with, or participating in any proceeding before the EEOC or a state
         Fair Employment Practices Agency (except that you acknowledge that you
         may not be able to recover any monetary benefits in connection with any
         such claim, charge or proceeding).

5.       NON-DISCLOSURE AND NON-COMPETITION AND NON-SOLICITATION -- You
         acknowledge and reaffirm your obligation to keep confidential all
         non-public information concerning the Company which you acquired during
         the course of your employment with the Company, as stated more fully in
         the Nondisclosure and Developments Agreement between you and the
         Company dated September 29, 2000 you executed at the inception of your
         employment which remains in full force and effect. You further
         acknowledge and reaffirm your obligations under the Non-Competition
         Agreement between you and the Company dated September 29, 2000 you
         previously executed for the benefit of the Company at the inception of
         your employment which also remains in full force and effect.

6.       RETURN OF COMPANY PROPERTY -- You confirm that you have returned to the
         Company all keys, files, records (and copies thereof), equipment
         (including, but not limited to, computer hardware, software and
         printers, wireless handheld devices, cellular phones, pagers, etc.),
         Company identification, Company vehicles and any other Company-owned
         property in your possession or control and have left intact all
         electronic Company documents, including but not limited to those which
         you developed or help develop during your employment. You further
         confirm that you have cancelled all accounts for your benefit, if any,
         in the Company's name, including but not limited to, credit cards,
         telephone charge cards, cellular phone and/or pager accounts and
         computer accounts.

7.       NON-DISPARAGEMENT -- You understand and agree that as a condition for
         payment to you of the consideration herein described, you shall not
         make any false, disparaging or derogatory statements to any media
         outlet, industry group, financial institution or current or former
         employee, consultant, client or customer of the Company regarding the
         Company or any of its directors, officers, employees, agents or
         representatives or about the Company's business affairs and

<PAGE>

         financial condition. The Company agrees that it shall use reasonable
         efforts to preclude those of its officers and employees privy to the
         terms of this agreement from making any false, disparaging or
         derogatory statements about you as an officer and employee of the
         Company to any third party. The Company further agrees that pursuant to
         its current policy, responses to direct inquiries regarding your
         employment with the Company or separation from employment shall be
         limited to confirmation of your name, position(s), and dates of
         employment.

8.       AMENDMENT -- This letter agreement shall be binding upon the parties
         and may not be modified in any manner, except by an instrument in
         writing of concurrent or subsequent date signed by duly authorized
         representatives of the parties hereto. This letter agreement is binding
         upon and shall inure to the benefit of the parties and their respective
         agents, assigns, heirs, executors, successors and administrators.

9.       WAIVER OF RIGHTS -- No delay or omission by the Company in exercising
         any right under this letter agreement shall operate as a waiver of that
         or any other right. A waiver or consent given by the Company on any one
         occasion shall be effective only in that instance and shall not be
         construed as a bar or waiver of any right on any other occasion.

10.      VALIDITY -- Should any provision of this letter agreement be declared
         or be determined by any court of competent jurisdiction to be illegal
         or invalid, the validity of the remaining parts, terms or provisions
         shall not be affected thereby and said illegal or invalid part, term or
         provision shall be deemed not to be a part of this letter agreement.

11.      CONFIDENTIALITY -- You understand and agree that as a condition for
         payment to you of the severance benefits herein described, the terms
         and contents of this letter agreement, and the contents of the
         negotiations and discussions resulting in this letter agreement, shall
         be maintained as confidential by you and your agents and
         representatives and shall not be disclosed except to the extent
         required by federal or state law or as otherwise agreed to in writing
         by the Company.

12.      NATURE OF AGREEMENT -- You and the Company understand and agree that
         this letter agreement is a severance agreement and does not constitute
         an admission of liability or wrongdoing on the part of you, the
         Company, or any other person.

13.      ACKNOWLEDGMENTS -- You acknowledge that you have been paid all wages
         and other compensation due and owing through the Termination Date and
         that you have been paid for any and all unused vacation that has been
         accrued through the Termination Date. You acknowledge and understand
         that you shall not be entitled to any payments or benefits from the
         Company other than those expressly set forth in this letter agreement
         and its attachment.
<PAGE>

         You further acknowledge that you have been given at least twenty-one
         (21) days to consider this letter agreement, including ATTACHMENT A,
         and that the Company advised you to consult with an attorney of your
         own choosing prior to signing this letter agreement. You understand
         that you may revoke this letter agreement for a period of seven (7)
         days after you sign this letter agreement, and the letter agreement
         shall not be effective or enforceable until the expiration of this
         seven (7) day revocation period. You understand and agree that by
         entering into this letter agreement you are waiving any and all rights
         or claims you might have under The Age Discrimination in Employment
         Act, as amended by The Older Workers Benefit Protection Act, and that
         you have received consideration beyond that to which you were
         previously entitled.

15.      VOLUNTARY ASSENT -- You affirm that no other promises or agreements of
         any kind have been made to or with you by any person or entity
         whatsoever to cause you to sign this letter agreement, and that you
         fully understand the meaning and intent of this letter agreement. You
         state and represent that you have had an opportunity to fully discuss
         and review the terms of this letter agreement with an attorney. You
         further state and represent that you have carefully read this letter
         agreement, including ATTACHMENT A, understand the contents herein,
         freely and voluntarily assent to all of the terms and conditions
         hereof, and sign your name of your own free act.

16.      APPLICABLE LAW -- This letter agreement shall be interpreted and
         construed by the laws of the Commonwealth of Massachusetts, without
         regard to conflict of laws provisions. You hereby irrevocably submit to
         and acknowledge and recognize the jurisdiction of the courts of the
         Commonwealth of Massachusetts, or if appropriate, a federal court
         located in Massachusetts (which courts, for purposes of this letter
         agreement, are the only courts of competent jurisdiction), over any
         suit, action or other proceeding arising out of, under or in connection
         with this letter agreement or the subject matter hereof.

17.      ENTIRE AGREEMENT -- This letter agreement, including ATTACHMENT A, and
         the May Letter Agreement and its appendix contain and constitute the
         entire understanding and agreement between the parties hereto with
         respect to your severance benefits and the settlement of claims against
         the Company and cancels all previous oral and written negotiations,
         agreements, commitments, writings in connection therewith. Nothing in
         this section, however, shall modify, cancel or supersede your
         obligations set forth in Section 5 herein.

<PAGE>

         If you have any questions about the matters covered in this letter,
please call your Human Resources department.

                                    Very truly yours,

                                    ENGAGE, INC.

                                    By: ________________________________
         Jill Buckley
                                         Director, Human Resources

         I hereby agree to the terms and conditions set forth above and in the
Description of Retention and Severance Benefits, attached hereto as ATTACHMENT
A. I have been given at least twenty-one (21) days to consider this agreement
and I have chosen to execute this on the date below. I intend that his letter
agreement, including ATTACHMENT A, become a binding agreement between me and the
Company if I do not revoke my acceptance in seven (7) days.

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

Robert Bartlett                                               Date

To be returned in the enclosed envelope by the Return Date

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                                  ATTACHMENT A

                 DESCRIPTION OF RETENTION AND SEVERANCE BENEFITS

Provided that you return an executed copy of this letter agreement to the
Company by the Return Date and do not revoke the agreement within the seven (7)
day revocation period, you will receive the severance benefits described below:

         1.       SEVERANCE PAY. Engage will pay you eight (8) weeks base wages
                  plus one week's base wages for every completed six month
                  period of continuous service to Engage (equivalent to $
                  53,846.24), less all applicable taxes and withholdings (the
                  "Severance Pay"). Your start date shall be deemed to be
                  6/21/99, which was your start date with an affiliated company
                  of Engage.

         2.       COBRA. Engage will cover the cost of your medical insurance
                  for one month beyond your Termination Date, provided that you
                  elect insurance continuation under the terms of COBRA. You
                  should consult the COBRA materials to be provided by the
                  Company for details regarding these benefits.

         3.       RETENTION BONUS. The Retention Bonus to be paid to you is the
                  amount of $50,000, less applicable taxes and withholding.

         The Severance Pay and Retention Bonus shall be paid to you within 30
         days of your execution and non-revocation of this letter agreement.

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