Document:

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                                                                  EXHIBIT 10.27

                                PROMISSORY NOTE

U.S. $750,000.00                                              February 12, 2001
Principal Amount                                               Atlanta, Georgia

         FOR VALUE RECEIVED, the undersigned FIRSTWAVE TECHNOLOGIES, INC.
(hereinafter referred to as the "Promisor"), promises to pay to the order of
RICHARD T. BROCK (hereinafter referred to as the "Payee"; "Payee" and any
subsequent Payee(s) hereof, being hereinafter referred to collectively as "The
Payee"), at the principal offices of the Promisor or at such other place as the
Payee may designate to the Promisor in writing from time to time, the principal
sum of Seven Hundred Fifty Thousand Dollars ($750,000.00), together with
interest thereon, at the rate of nine percent (9%) annually, computed on an
actual over 365 day basis, on January 15, 2002 (the "Maturity Date").

         Unpaid principal after any default in payment shall accrue interest at
a rate of one and one-half percent (1-1/2%) per month on the unpaid balance
until paid.

         This Note may be prepaid in whole or in part, at any time and from
time to time.

         The Promisor agrees to pay upon demand and save the Payee harmless
against any liability for the payment of all reasonable costs and expenses,
including reasonable attorneys' fees, arising in connection with the
enforcement by the Payee of any of its rights under this Note.

         If any of the following events of default occur (an "Event of
Default"), this Note and any other obligations of the Promisor to the Payee,
shall become due immediately, without demand or notice (except as indicated
below):

         (i)      the failure by Promisor to pay the principal and accrued
interest when due on the Maturity Date; or

         (ii)     the filing of a petition against the Promisor seeking any
reorganization, arrangement, composition, readjustment, liquidation,
dissolution or similar relief under any present or future federal, state or
other law or regulation relating to bankruptcy, insolvency or other relief for
debtors, or the appointment of any trustee, receiver or liquidator of the
Promisor unless such petition shall be dismissed within thirty (30) days after
such filing, but in any event prior to the entry of an order, judgment or
decree approving such petition or

         (iii)    the making of a general assignment for the benefit of
Promisor's creditors; or

         (iv)     the sale of the undersigned by way of merger, acquisition or
consolidation, or the sale of all or substantially all of the assets of the
undersigned or of all or substantially all of the issued and outstanding stock
of the undersigned.

         In order to secure the indebtedness evidenced by this Note and the
obligations created hereby, the Promisor hereby grants to the Payee a security
interest in all of Promisor's Collateral (as defined in that certain Loan and
Security Agreement between the Payee and Silicon Valley Bank effective December
15, 2000, the "Silicon Agreement"), subordinated only to Silicon Valley Bank as
stated in the Silicon Agreement.

         Upon the occurrence of any Event of Default, and provided the Promisor
has satisfied all remedies in favor of Silicon Valley Bank, the Payee shall be
entitled to all remedies as expressed in Section 7 of the Silicon Agreement.
The Promisor agrees to execute and deliver to the Payee, upon request, all
documents appropriate to effectuate, perfect and enforce the provisions hereof,
including, without limitation, execution of all financing statements
appropriate to perfect and enforce the security interest granted hereby. In the
event the Promisor fails or refuses to do so after ten (10) days notice, the
Promisor authorizes the Payee to execute in the name of the Promisor, and the
Promisor irrevocably appoints the Payee, with full power of substitution in the
premises, as the agent and attorney-in-fact of the Promisor to take any actions
and to execute any documents required to be taken by the Promisor that are
necessary or appropriate for the Payee to effectuate the intent of this Note or
to pursue

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any of the Payee's remedies hereunder. The Promisor and the Payee intend for
this Note to constitute a security agreement.

         Payment of principal and interest on this Note shall be paid in the
legal currency of the United States. The Promisor waives presentment for
payment, protest, and notice of protest and nonpayment of this Note. Time is of
the essence of this Note.

No renewal or extension of this Note, delay in enforcing any right of the Payee
under this Note, acceptance of a partial payment, or assignment by the Payee of
this Note shall affect the liability of the Promisor. All rights of the Payee
under this Note are cumulative and may be exercised concurrently or
consecutively at the Payee's option.

This Note may not be changed, altered, modified, or terminated orally, but only
by an agreement or discharge in writing signed by the party against whom
enforcement of any change, alteration, modification, or discharge is sought. As
used herein, the term "Note" shall mean this Note as the same may from time to
time be amended, modified, renewed, extended or supplemented by written
agreement.

This Note is intended as a contract under and shall be construed and enforceable
in accordance with the laws of the State of Georgia.

         As used herein, the terms "Promisor" and "Payee" shall be deemed to
include their respective heirs, successors, legal representatives and assigns,
whether by voluntary action of the parties or by operation of law. In the event
that more than one person, firm or entity is a Promisor hereunder, then all
references to "Promisor" shall be deemed to refer equally to each of said
persons, firms, or entities, all of whom shall be jointly and severally liable
for all of the obligations of Promisor hereunder.

         IN WITNESS WHEREOF, the Promisor has executed this Note under seal on
the date first above written.

Signed by the Promisor this date at Atlanta, Georgia.

                                             Promisor:

                                             FIRSTWAVE TECHNOLOGIES, INC.

                                             By:           /s/ Judith A. Vitale
                                                 (signature)

                                             Name & Title: Vice President

Received by the Payee this date.

                                             Payee:

                                             RICHARD T. BROCK

                                             By:           /s/ Richard T. Brock
                                                 (signature)<PAGE>   1
                                                                    EXHIBIT 10.1

              CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS

     We hereby consent to the incorporation by reference in the Registration
Statement on Form F-3 (No. 333-56058) and Registration Statements on Form S-8
(No. 333-7288, No. 333-7290, No. 33-64326, No. 33-95224, No. 33-715956, No.
333-42070 and No. 333-42072) of Royal Caribbean Cruises Ltd. of our report dated
January 26, 2001, except for Note 14 which is as of March 9, 2001, relating to
the financial statements, which appears in the Form 20-F.

PricewaterhouseCoopers LLP

Miami, Florida
April 16, 2001<PAGE>   1
                                                                   EXHIBIT 10.11

                                    AGREEMENT

         Agreement dated February 12, 2001 by and between Value Plus Marketing
Inc. (VPM) with it's principal office located at 200 South Washington Blvd,
Suite 9, Sarasota, FL, 34236 and AXIA Group, Inc Ticker Symbol AXIA referred to
as "Client" with its principal offices located at 268 West 400 South, Suite 300,
Salt Lake City, Utah, 84101.

                                      TERMS

         1.1 Initial Terms. The initial terms of this agreement will take effect
on (the "launch date") a minimum of 7 days after client has notified VPM of its
new web site presence and will cease 12 months thereafter.

         1.2 Renewal. From the initial launch date stated above, Client must
provide VPM formal notice at least 7 days prior to beginning a new marketing
awareness program.

                                     SERVICE

         1.3 Service. VPM shall provide the service for the Client to display
corporate information on the VPM internet property.

         1.4 Delivery and Acceptance. Client will provide written notice of
acceptance or provide written notice of rejection of profiled material for
Clients company. Failure by Client to deliver such notice within seven days
shall constitute acceptance of the service. Client may identify errors in the
service without rejecting it. In such event, these errors may be corrected by
VPM in a subsequent version as mutually agreed.

         1.5 New services. From time to time, VPM shall offer Client additional
services. In the event that Client wishes to also use these new services, the
new services will be added via a written amendment to the service definition in
Section 6 and shall be subject to the same terms and conditions of this
agreement including the delivery and acceptance terms listed in Section 1.1.
With respect to delivery and acceptance, however, Client may decide to reject
any such new service, but in so doing Client may only terminate the agreement
with respect to that particular new service and not with respect to the entire
agreement or with respect to previously added new services which had already
been accepted.

         1.6 Licenses. VPM hereby grants Client, during the term, the worldwide,
non-exclusive, non-transferable right, subject to the terms and conditions of
this agreement, to use VPM internet web site Wall Street Hub located at
www.wallsthub.com in correspondence and press releases.

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         1.7 Third Party Provider Content. Client acknowledges that VPM may
delay any content or data included in the promotional service to the extent
necessary to avoid any obligation to pay any such third person for the use,
distribution or display thereof. Client acknowledges and agrees that the length
of time the content may need to be delayed to render it non-fee liable may
change over the term of the agreement. If no amount of delay would render any
such content non-fee liable to third persons, VPM may delete such content from
the service.

         1.8 Withdrawal of a Service. VPM may cancel all or part of the service
if the provision of all or part of that service:

                  (a)      becomes the subject of a claim that such services
                           infringe the ownership rights of any third person or
                           that VPM otherwise does not have the right to permit
                           others to use such services.

                  (b)      becomes illegal or contrary to any applicable Law.

         1.9 Publication of Information. VPM agrees, under the terms of the
contract, to add Clients corporate information to it's internet properties and
any promotional or mirror web sites for the time frame specified. VPM also
agrees to provide at least 10 private e-mails to a minimum number of at least
125,000 subscribers of it's financial newsletter.

                  VPM will have sole discretion to license this right to other
partners and other branded or promotional web sites for additional exposure.

                  VPM agrees not to distribute unsolicited e-mail.

                               CLIENT OBLIGATIONS

         1.10 Development Assistance. Client shall provide VPM with reliable
corporate information and contacts regarding Client's business and Client's
stock in order to facilitate VPM obligations hereunder.

         1.11 Information. Client shall provide information that is true and
accurate under the SEC and other government laws regarding dissemination of
information to the public.

                  (a)      If Client does not provide such material to VPM
                           directly, VPM may then gather information from
                           Clients filings, such as but not limited to, Form
                           10-QSB, Form 10-K, Form 8-K

                  (b)      VPM may also gather information on Client from
                           Client's web site if one does exist.Client confirms
                           that the information portrayed on its web site will
                           be a true and accurate representation and business
                           model of the Client. Clients web site has been
                           recognized as: http://www.axiagroupinc.com.

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         1.12 Reporting Status. Client confirms that they are fully reporting
and its filings to the SEC are complete and accurate.

         1.13 Representations. Client confirms that at present they are not the
subject or target of inquiry to any investigations or proceedings by any
government agency including the SEC or any state security agency with regard to
securities fraud.

         1.14 Legality of Payments. Client confirms that they did not make any
unlawful payments in connection with the services being provided by VPM
pertaining to this agreement.

                             PROMOTION AND BRANDING

         1.15 Promotion. Client shall understand that VPM may license other
internet properties to display Clients corporate information.

         1.16 Access to Information. VPM shall allow all visitors to it's
 internet property, mirror sites, and promotional sites FREE access to corporate
 information.

         1.17 Warranties. Client understands that VPM makes no warranties
regarding the result of said service.

         1.18 Indemnification. Client relieves VPM from any losses, damages,
monetary or otherwise that may occur due to the content of company profile that
was created using client's public filings, press releases and clients web site
as identified in section (b) of 1.11.

         1.19 Warranties of VPM. VPM warrants and represents that it will make
no knowingly false claims or misleading statements on behalf of Client; VPM, not
the Client will be responsible for any knowingly false claims or misleading
statements made on behalf of the Client that were not gathered from clients SEC
filings and/or web site/s.

                                 RECOMMENDATIONS

         1.20 Client understands that the publishers of VPM are not broker
dealers or registered investment advisors and are not acting in any way to make
recommendations for the purchase or sale of any security.

         1.21 Client understands that VPM will make no offer to buy or sell
securities.

         1.22 VPM will recommend that any visitor/member considering trading or
investing in said security do so only after speaking with a stockbroker or
registered financial advisor.

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                                SERVICES PROVIDED

         Create profile on AXIA, deliver to a minimum of 125,000 subscribers of
the investment newsletter. Deliver all news releases from AXIA to same
subscribers. Conduct an 3-5 minute audio interview with CEO of AXIA.

                              FEES & CAMPAIGN TYPE

         1.23 Fees for the service will be $200,000 and shall be delivered prior
to the launch date (1.1).

                                COMPENSATION TYPE

         Client is providing VPM a controlling stake (80% of the outstanding
stock) in Cyber Equestrian, Inc., a Nevada corporation. Cyber Equestrian is a
reporting, blank check company. Client claims it is a very clean shell with
minimal assets and no liabilities and no history of any operations whatsoever.
Client will also provide VPM 166 hours of it's legal company services (valued at
$300 per hour) to get Cyber Equestrian quoted. These services would include all
necessary assistance with:

         -        paperwork to merge an operating company into Cyber Equestrian
                  (a necessary step in becoming quoted under today's SEC
                  regulations);

         -        An SB-2 Registration Statement with the SEC to allow VPM's
                  public company eLocity Networks Corporation (ELOC) to spin off
                  Cyber Equestrian shares to current ELOC shareholders;

         -        respond to SEC comments on the registration statement to get
                  the registration effective;

         -        interim reports with the SEC to keep reporting current;

         -        EDGAR filing with the SEC of these reports.

This value would be allocated $150,000 for the Cyber Equestrian shell company,
and $50,000 for client's legal services as described above.

Client and VPM understand that the process of getting Cyber Equestrian publicly
traded could take up to one year to complete.

VPM agrees that for a period of two (2) years from the date of the issuance to
VPM of the shares representing 80% of the issued and outstanding shares of Cyber
Equestrian, Inc., VPM shall assure that the approximately 20% interest
maintained by Client shall not be diluted by any action of VPM or Cyber
Equestrian, Inc. VPM and its subsidiary, Cyber Equestrian, Inc. shall take
whatever steps are necessary, including, but not limited to, issuing additional
shares of Cyber Equestrian, Inc. to Client, to assure the integrity of the
approximately 20% position of Client which is represented by the shares owned by
Client at the closing of the Transaction wherein VPM acquires control of Cyber
Equestrian, Inc.

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The shares (80%) to be issued to VPM pursuant to this agreement shall be issued
within thirty (30) days of the signing of this agreement.

Client agrees that for a period of two years from the date of the signing of
this Agreement, VPM shall have the option to purchase from Client eighty five
percent (85%) of the 20% interest being maintained by Client in Cyber
Equestrian, Inc. for the sum of fifty thousand dollars ($50,000).

                               OPEN END AGREEMENT

         Client would be willing to provide an additional 100 hours (valued at a
discounted rate of $250 per hour instead of $300 per hour) of legal services to
eLocity Networks Corporation for further promotion provided by VPM with a value
of $25,000.

         1.24 Client understands that fees are non-refundable and binding upon
execution of this agreement.

         1.25 VPM will make full disclosure of payment in accordance with the
requirements of the U.S. Securities and Exchange Commission at all times.

         By signing this agreement all parties acknowledge that they have read
and agree to all the terms and conditions set forth herein.

Client:      Axia Group, Inc.                 Value Plus Marketing Inc.
Address:     268 West 400 South, Suite 300    200 South Washington, Suite 9
             Salt Lake City, Utah, 84101      Sarasota FL, 34236
             PH (801)  575-8073               PH. 941-957-1009
             FAX (801) 575-8092               FAX 941-957-0640

Authorized Company Representative            Authorized Company Representative

/s/ Richard D. Surber                        /s/ Thomas Clay
----------------------------------           ---------------------------------
Richard D. Surber, President                 Thomas Clay, President

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