Document:

<PAGE>   1
                                                                    Exhibit 10.1

                              CONSULTING AGREEMENT

         THIS CONSULTING AGREEMENT (the "Agreement") is made and entered into
this 29th day of January 2000 by and between Stock Exposure, Inc. whose business
address is at 1127 Foothill Blvd Suite 208, San Luis Obispo, California 93401
(the "Company"), and Vfinance, "VFIN"(the "Client").

         In consideration of the mutual promise contained herein and on the
terms and conditions hereinafter set forth, the Company and Client agree as
follows:

1.       CONSULTING SERVICES. The Client hereby retains the Company to assist in
         profiling a publicly traded company on the Internet website owned and
         operated by the Company (http://www.majorprofit.com) as well as
         representing the Client as a new addition to an online investor
         relations service owned and operated by the Company
         (http://www.stockir.com), and the Company hereby accepts and agrees to
         such retention. The Company hereby agrees to post publicly summarized
         information of the Client as both a profile in the featured "Profile of
         the Month" section of Major Profit and as an IR agent for the Client.

         It is further acknowledged that the entire objective of the service
         performed by the Company is to gain exposure of a public company on
         behalf of the Client through internet website, and not to artificially
         inflate share prices, trading volume or any other prohibited activity.

2.       DURATION OF SERVICE. The Company shall post information regarding the
         Client on Major Profit for a time period approximate to 30 days. The
         Company also has the discretion to disseminate periodic informative
         updates on behalf of the Client for 3-6 months after the initial
         advertising launching. In addition, the Company shall post information
         regarding the Client on StockIR for a time period of 3 months to
         fulfill obligations contained herein this agreement.

3.       ACTIVITIES NOT WITHIN THIS AGREEMENT. It is acknowledged and agreed by
         the Client that the Company is not rendering legal advice or performing
         accounting services. It is also acknowledged that the Company is not
         acting in place of an investment advisor or broker-dealer within the
         meaning of applicable state and federal securities laws.

4.       TERM OF AGREEMENT. The term of this Agreement shall commence on the
         initial advertising date and shall terminate 6 months after service
         begins on StockIR. Full compensation payments are expected to be
         transferred to the Company no later than 60 days after initial coverage
         begins.

<PAGE>   2

5.       COMPENSATION. In full consideration of the services contained within
         this Agreement the Client agrees to compensate the Company ten thousand
         shares of one-year 144 restricted VFIN stock.

6.       EXPENSES. The Company shall be solely responsible for all expenses and
         disbursements anticipated to be made in connection with its performance
         under this Agreement.

7.       CLIENT REPRESENTATIONS. The Client hereby represents that all
         documents, news and other information produced or distributed by the
         Client, used in conjunction with a profile on the website of the
         Company, or any person or entity acting on behalf of the Client, has
         been factual, complete and truthful. Further the Client represents that
         neither it, nor any person or entity acting on its behalf, has
         knowingly, negligently or recklessly distributed or produced
         information relating to the profile company that has violates any
         local, state or federal law or statue. Further, the Client represents
         that in the future all information provided by the Client, or any
         person or entity acting on its behalf, will be factual, complete and
         truthful, and neither the Client, or any person or entity acting on its
         behalf, will knowingly, negligently or recklessly violate any local,
         state or federal law or statue.

         In the event that the Client violates the above representations then
         the Company, at its option, shall have the right to cease performing
         services herein this Agreement. If said circumstances were to arrive
         the Company would not be obligated to return any portion of the
         compensation package required from signed Agreement.

8.       DISCLAIMER OF RESPONSIBILITY FOR ACTS OF THE CLIENT. The obligations of
         the Company in this Agreement consist solely of the distribution of
         information on its website. In no event shall the Company be required
         by this Agreement to represent or make management decisions for the
         Client or the profiled company. All final decisions with respect to
         acts and omissions of the Client or any affiliates and subsidiaries,
         shall be those of the Client or its affiliates, and the Company shall
         under no circumstances be liable for any expenses incurred or loss
         suffered by the Client as a consequence of such acts or omissions.

         A Client representative will provide the Consultant with factual news
         on the company to be profiled. Any news given by the Client that is
         deemed not true by ANY regulatory body is the SOLE responsibility of
         the Client or profiled company, and the Company is in no way liable for
         any misrepresentations. Further, the Client is aware that the Company
         is relying on the truthfulness and accuracy of said news and
         information. Client will reimburse the Company for any and all sums
         expended in legal defense or judgements rendered against Company as a
         result of misrepresentation to the Company by the Client. As well, the
         Company agrees not to misrepresent the profiled company to the best of
         its ability.

                                       2
<PAGE>   3

         The Company will make every effort to fully disclose compensation, and
         potential conflicts of interest to the public, in accordance with the
         Securities Act of 1933, section 17 (b). The Company will fully disclose
         its compensation and insist that all other related parties do the same.

9.       INDEMNITY BY THE CLIENT. The Client shall protect, defend, indemnify
         and hold the Company and its assigns and attorneys, accountants,
         employees, officers and directors harmless from and against all losses,
         liabilities, damages, judgements, claims, counterclaims, demands,
         actions, proceedings, costs and expenses of every kind and character
         resulting from or relating to (a) the inaccuracy, non-fulfillment or
         breach of any representation, warranty, covenant or agreement made by
         the Client herein; or (b) any legal action, including any counterclaim,
         to the extent it is based upon alleged facts that have been determined
         by a court of law in a non-appealable final determination to be true,
         would constitute a breach of any representation, warranty, covenant or
         agreement made by the Client herein; or (c) negligent actions or
         omissions of the Client or any employee or agent of the Client, or any
         reckless or willful misconduct, occurring during the term hereof with
         respect to any of the decisions made by the Client. Any damages or
         liability of Client to the Company including payment of attorneys fees
         and cost described in section l4 shall be limited to the value of the
         compensation paid by Client to the Company hereunder as of the date of
         this Agreement.

10.      NOTICES. Any notices required or permitted to be given under this
         Agreement shall be sufficient if in writing and delivered or sent by
         registered or certified mail or overnight courier to the principal
         office of each party.

11.      APPLICABLE LAW. It is the intention of the parties hereto that this
         Agreement and the performance hereunder and all suits and special
         proceedings hereunder be construed in accordance with and under and
         pursuant to the laws of the State of Florida and that any action,
         special proceeding or other proceedings that may be brought arising out
         of in connections with or by reason of this Agreement, shall be brought
         only in a court of competent jurisdiction within the State of Florida.

12.      SEVERABILITY. All agreements and covenants contained herein are
         severable, and in the event any of them shall be held to be invalid by
         any competent court, the Agreement shall be severed at the option of
         either party.

13.      ENTIRE AGREEMENT. This Agreement constitutes and embodies the entire
         understanding and agreement of the parties and supersedes and replaces
         all prior understandings, agreements and negotiations between the
         parties.

14.      ATTORNEY'S FEES AND COSTS. In the event of any dispute arising out of
         the subject matter of this Agreement the prevailing party shall
         recover, in addition to any damages

                                       3
<PAGE>   4

         assessed, its attorneys fees and court costs incurred in litigating or
         otherwise settling or resolving such dispute.

15.      COUNTERPARTS AND FACSIMILE SIGNATURES. This Agreement may be executed
         simultaneously in two or more counterparts, each of which shall be
         deemed an original, but all of which taken together shall constitute
         one and the same instrument. Execution and delivery of this Agreement
         by exchange of facsimile copies bearing the facsimile signature of a
         party hereto shall constitute a valid and binding execution and
         delivery of this Agreement by such party. Such facsimile copies shall
         constitute enforceable original documents.

VFinance.com                                STOCK EXPOSURE INC.

Leonard J. Sokolow                           Weston Lemos, CEO
------------------------------------        ------------------------------------
Printed Name, Title                         Printed Name, Title

/s/ Leonard J. Sokolow                      /s/ Weston Lemos
------------------------------------        ------------------------------------
Signature                       Date        Signature                       Date

                                       4<PAGE>   1
                                                                    Exhibit 10.2

                 INVESTOR RELATIONS/CONSULTING AGREEMENT BETWEEN
                           PEACHTREE FIBEROPTICS, INC.
                                       AND
                               EQUIS CAPITAL CORP.

This agreement is made and entered into as of this 1st day of December 1999 by
and between Peachtree FiberOptics, Inc. d/b/a vfinance.com with offices at 3300
PGA Boulevard, Suite 810 Palm Beach Gardens, Florida 33410 (hereinafter referred
to as the "Company") and EQUIS Capital Corp. with offices at 321 NW 36th Avenue
Deerfield Beach, FL 33442 (hereinafter referred to as "EQUIS"). Further, it is
understood that this Agreement supersedes all preceding written or verbal
Agreements between the parties.

WITNESSETH

WHEREAS, the Company requires financial public relations services and desires to
engage EQUIS to provide such services; and

WHEREAS, EQUIS is agreeable to such engagement on the terms set forth herein;
and

WHEREAS, the parties mutually desire to enter into this Consulting Agreement,

NOW, THEREFORE, in consideration of the mutual promise and covenants contained
herein, the parties have agreed as follows:

1. APPOINTMENT
The Company hereby appoints EQUIS as its financial public relations advisor and
retains and engages EQUIS under the terms and conditions of this Agreement.

2. TERM
The term of this Agreement shall be for a period of six months (the "initial
Term") and shall be renewed for additional six-month terms (the "Renewal
Terms"), upon the mutual written agreement of the Company and EQUIS prior to the
end of the Initial Term or any Renewal Terms.

3. OBLIGATIONS OF EQUIS
EQUIS agrees to do or perform the following services through its principal, Gary
Gordon who shall provide a minimum of 20 hours per week of his time:

         (a)      Coordinate corporate financial public relations efforts.

         (b)      Seek to make the Company, its management, its products and
                  prospects, known to broker-dealers, institutional investors,
                  research analysts, fund managers, investment advisors, and
                  other members of the financial community as well as the
                  financial media.

     -------       -------
       LJS          GJG

                                       1
<PAGE>   2

         (c)      Arrange and manage company presentations through conference
                  calls, personal interface and other means of direct
                  presentations to audiences, which may include stockbrokers,
                  individual and institutional investors, money managers,
                  analysts, etc.

         (d)      EQUIS will provide introduction to its network of individuals,
                  firms and brokers for the purpose of participating in
                  scheduled meetings or conference calls with the Company.

         (e)      EQUIS will be available to the company to field any calls from
                  and arrange to provide written information to individuals,
                  firms and brokers inquiring about the Company.

         (f)      EQUIS will use its best efforts to obtain for the Company
                  exposure in various financial media, independent financial
                  newsletters and through on-line fax and Internet/Email
                  broadcast services.

         (g)      The direct costs related to any of the services outlined in
                  this Agreement (if any) will be either directly invoiced to
                  the Company or billed by EQUIS to the Company at cost. The
                  Company agrees to promptly reimburse EQUIS for any such costs
                  it outlays within 10 days of invoice. The Company's CEO must
                  approve in advance any services that require additional costs.

4. LIMITATIONS ON SERVICES
The parties recognize that certain responsibilities and obligations are imposed
by Federal and State securities laws and by the applicable rules and regulations
of stock exchanges, the National Association of Securities Dealers Inc. and the
compliance rules of brokerage houses and other sources.

Accordingly, EQUIS agrees:

         (a)      EQUIS shall not release any financial or other material
                  information or data about the Company without the consent and
                  approval of the Company.

         (b)      EQUIS shall not conduct any meetings with financial analysts
                  without informing the Company in advance of the proposed
                  meeting and the format or agenda of such meeting.

         (c)      EQUIS shall not release any information or data about the
                  Company to any selected or limited person(s), entity or groups
                  if EQUIS is aware that such information or data has not been
                  generally released or promulgated.

-------       -------
 LJS            GJG

                                       2
<PAGE>   3

5. DUTIES OF THE COMPANY
In recognition of the responsibilities set forth in the preceding paragraph 4,
the Company agrees:

         (a)      Within five (5) days of the date of execution of this
                  Agreement, to deliver to EQUIS a complete due diligence
                  package on the Company including all the Company's filings
                  with the Securities and Exchange Commission, all press
                  releases written about the Company and all other relevant
                  materials with respect to such filings, including but not
                  limited to corporate reports, brochures and the like, the
                  Company's business plan, all financial statements, audited
                  and/or otherwise and/or pro forma, a list of the of all the
                  Company's shareholders and a list of the brokers and market
                  makers in the Company's stock.

         (b)      To supply EQUIS on a regular and timely basis with all
                  approved data and information about the Company, its
                  management, its products and its operations. The Company shall
                  be responsible for advising EQUIS of any facts, which would
                  affect the accuracy of any prior data and information supplied
                  to EQUIS. The Company shall supply EQUIS with a list of new
                  shareholders of the Company's stock on a monthly basis.

         (c)      To promptly supply EQUIS with full and complete files of all
                  shareholder reports and communications with all data and
                  information supplied to any analyst, broker-dealer, market
                  maker or other member of the financial community and with all
                  product/services brochures, sales materials, etc.

         (d)      To promptly notify EQUIS of the filing of any registration
                  statement for the sale of securities and of any other event
                  which triggers any restrictions on publicity.

         (e)      To notify EQUIS if any information or data supplied to EQUIS
                  has not been generally release or promulgated.

6. REPRESENTATIONS AND IMDEMNIFICATION

         (a)      The Company shall be deemed to make a continuing
                  representation of the accuracy and currency of any and all
                  material facts, material information and data which it
                  supplies to EQUIS and the Company acknowledges its awareness
                  that EQUIS will rely on such continuing representation in
                  disseminating such information and otherwise performing its
                  public relations functions.

         (b)      The Company shall immediately give written notice to EQUIS of
                  any change in the Company's financial condition or in the
                  nature of its business or operations which had or might have
                  an adverse material effect on its operations, assets,
                  properties or prospects of its business. EQUIS, in the absence
                  of notice in writing from the Company, will rely on the
                  continuing accuracy of material information and data supplied
                  by the Company.

-------       -------
  LJS          GJG

                                       3
<PAGE>   4

         (c)      The Company hereby agrees to indemnify and to hold EQUIS
                  harmless from and against any claims demands, suits, losses
                  and damages including claims for attorney's fees and court
                  costs, arising out of EQUIS' reliance upon the accuracy and
                  continuing accuracy of such facts, materials, information and
                  data and on the general availability of information supplied
                  to EQUIS by the Company and EQUIS' ability to promulgate such
                  information.

         (d)      EQUIS MAKES NO REPRESENTATION THAT (A) ITS SERVICE WILL RESULT
                  IN ANY ENHANCEMENT TO THE COMPANY (B) THE PRICE OF THE
                  COMPANY'S PUBLICLY TRADED SECURITIES WILL INCREASE, OR (C) ANY
                  PERSON WILL PURCHASE SECURITIES IN THE COMPANY.

7. COMPENSATION

         (a)      For all general financial public relations services, the
                  Company shall pay to EQUIS a monthly fee of $3,000.00. (See
                  section 9a)

         (b)      In addition to the monthly fee set forth in paragraphs 7(a)
                  above, the Company shall deliver to EQUIS an option agreement
                  to purchase 30,000 shares of the Company's common stock.
                  Beginning one month from the date of this Agreement, these
                  options shall vest at the rate of 5,000 per month starting
                  with the options that have the lowest exercise price. Such
                  options shall have the following exercise prices:

                           a) First 10,000 at $4 per share
                           b) Second 10,000 at $5 per share
                           c) Third 10,000 at $6 per share

                  These options shall be exercisable for a period of five years
                  and the underlying shares shall have registration rights
                  pursuant to Exhibit A. The agreement evidencing the above
                  options will be delivered to EQUIS within 30 days of the
                  signing of this Agreement.

         (c)      For special services not within the scope of this Agreement,
                  the Company shall pay EQUIS such fees as, and when the parties
                  determine in advance, the performance of the services and
                  fees. All special services will be agreed to in written form
                  and pre-approved by the Company.

8. TERMINATION
This Agreement may be terminated by either party with or without cause upon 10
days written notice.

-------       -------
   LJS               GJG

                                       4
<PAGE>   5

9. BILLING AND PAYMENT

         (a)      It is agreed that the monthly fee above shall be payable upon
                  the successful funding of at least $2,000,000 of the Company's
                  private placement. This $3,000 monthly fee shall be payable
                  retroactive to the date of this Agreement.

         (b)      The direct costs related to any of the services outlined above
                  or in this Agreement (if any) will be either directly invoiced
                  to the Company or billed by EQUIS to the Company at cost. The
                  Company agrees to promptly pay all third party vendors under
                  the terms and conditions of their respective invoices and to
                  indemnify EQUIS against any claim for payment made by any
                  third party vendor for services rendered on behalf of the
                  Company. The Company agrees to promptly reimburse EQUIS for
                  any expenses incurred by EQUIS on behalf of the Company within
                  10 days of invoice. Expenses are to be approved in advance by
                  the Company.

10. RELATIONSHIP OF PARTIES
EQUIS is an independent contractor and is responsible for compensation of its
own agents, employees and representatives as well as all applicable withholding
therefrom and taxes thereon. This Agreement does not establish any partnership,
joint venture or other business entity or association between the parties.

11. ATTORNEY'S FEES
Should either party default in the terms or conditions of this Agreement and
suit be filed as a result of such default, the prevailing party shall be
entitled to recover all costs incurred as a result of such default including all
costs and reasonable attorney fees through trial and appeal.

12. ASSIGNMENT
The rights and obligations of the parties under this Agreement shall inure to
the benefit of and shall be binding upon the successors and assigns of the
parties.

13. NOTICES
Any notice required or permitted to be given under this Agreement shall be
sufficient if in writing and if sent by certified mail, return receipt requested
or Federal Express to the principal officer of the party being notified.

14. SEPERABILITY
If one or more of the provisions of this Agreement shall be held invalid,
illegal or unenforceable in any respect, such provision to the extent invalid,
illegal or unenforceable and provided that such provision is not essential to
the transaction provided for by this Agreement, shall not affect any other
provision hereof and the Agreement shall be construed as if such provision had
never been contained herein.

-------      -------
   LJS              GJG

                                       5
<PAGE>   6

15. GOVERNING LAW
This Agreement shall be governed by and interpreted under the laws of the State
of Florida.

16. ENTIRE AGREEMENT
This instrument contains the entire agreement between the parties and may be
modified only by agreement in writing and signed by both parties.

IN WITNESS WHEROF, the parties hereto, intending to be legally bound, have
executed this Agreement on this 1st day of December 1999.

EQUIS CAPITAL CORP.                                  PEACHTREE FIBEROPTICS, INC.

                                                     /s/ Leonard J. Sokolow
--------------------------                           ------------------------
By: Gary J. Gordon, President                        Leonard J. Sokolow, CEO

                                       6

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00006-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00006-of-00352.parquet"}]]