Document:

Prepared by R.R. Donnelley Financial -- EMPLOYMENT AGMT. JEFFREY H. MARGOLIS

  
 EXHIBIT 10.1 
  
 EMPLOYMENT AGREEMENT 
  
 THIS EMPLOYMENT AGREEMENT (the “Agreement”) is made and
entered into effective as of this 1st day of January 2002 (the “Effective Date”), by and between THE TRIZETTO
GROUP, INC., a Delaware corporation (the “Company”), and Jeffrey H. Margolis, an individual (the “Executive”). 
  
 RECITAL 
  
 The Company desires to employ Executive, and Executive desires to enter into the employ of the Company
for the period and pursuant to the terms and conditions set forth herein. 
  
 AGREEMENT 
  
 NOW, THEREFORE, in consideration of the premises and the mutual covenants and agreements set forth herein, the Company and Executive, intending to be
legally bound, hereby agree as follows: 
  
 1.    Employment.  The Company hereby
employs Executive as the Chief Executive Officer of the Company and, if no other person is serving in such capacity at the direction of the Board of Directors, the President of the Company. Executive accepts such employment, reporting directly to
the Board of Directors, and agrees to devote substantially all his business time and efforts and skills diligently and on such basis as shall be assigned to him by the Company as provided herein in performing his duties hereunder for the benefit of
the Company. 
  
 2.    Term.  The initial term of Executive’s employment hereunder
shall be for a period of three (3) years, commencing on the Effective Date. Executive’s employment is subject to earlier termination as hereafter specified. 
  
 3.    Position and Duties. 
  
         3.1  Service with the Company.  During the term of this Agreement, Executive agrees to perform such duties and on such basis as shall be assigned to him from
time to time by the Board of Directors; such duties, however, to be commensurate with Executive’s position as Chief Executive Officer and, if no other person is serving in such capacity at the direction of the Board of Directors, the President
of the Company. 
  
         3.2    No Conflicting
Duties.  During the term hereof, Executive shall not serve as an officer, director, employee, consultant or advisor to any other competing business or as an officer, employee or consultant to any other business, unless such other
service is approved by the Board of Directors of the Company. Executive hereby confirms that he is under no contractual commitments inconsistent with his obligations set forth in this Agreement, and agrees that during the term of this Agreement he
will not render or perform services, or enter into any contract to do so, for any other corporation, firm, entity or person which are inconsistent with the provisions of this Agreement. The Company acknowledges and agrees that Executive may serve as
a member of the Pfizer Health Solutions Advisory Board. 

  
 4.    Compensation. 
  
         4.1  Annual Base Salary.  As compensation for all services to be
rendered by Executive under this Agreement, the Company shall pay to Executive a base annual salary of Three Hundred Ten Thousand Dollars ($310,000) (“Annual Base Salary”), which shall be paid on a regular basis in accordance with the
Company’s normal payroll procedures and policies. The amount of the Annual Base Salary shall be reviewed annually by the Board of Directors on each anniversary of this Agreement. Executive’s performance, the performance of the Company and
such other factors as the Board of Directors deem appropriate shall be considered in such review. Executive shall also participate in a bonus plan as recommended by the Compensation Committee and approved by the Board of Directors. 

 
         4.2    Participation in Benefit Plans.  Executive
shall be entitled to participate in all employee benefit plans or programs generally available to employees of the Company, to the extent that his position, title, tenure, salary, age, health and other qualifications make him eligible to participate
therein. The Executive’s participation in any such plan or program shall be subject to the provisions, rules and regulations thereof that are generally applicable to all participants therein. 
  
         4.3    Expenses.  In accordance with the Company’s
policies established from time to time, the Company will pay or reimburse the Executive for all reasonable and necessary out–of–pocket expenses incurred by him in the performance of his duties under this Agreement. 
  
 5.    Termination. 
  
         5.1    Termination by Company Without Cause.  The Company may terminate Executive’s employment pursuant to this
Agreement without cause (as defined below) by ninety (90) days written notice to Executive. 
  
         5.2    Termination by the Company for Cause.  Any of the following acts or omissions shall constitute grounds for the Company to terminate
Executive’s employment pursuant to this Agreement for “cause”: 
  
                   (a)  The continued, unreasonable refusal or omission by Executive to perform any material duties required of him by
this Agreement or as reasonably requested by the Board of Directors of the Company if consistent with the terms of this Agreement; 
  
                   (b)  Any material act or omission by Executive involving malfeasance or gross negligence in the performance of
Executive’s duties to, or material deviation from any of the material policies or directives of, the Company, in a manner that materially damages the Company; 
  
                   (c)  Conduct on the part of Executive which constitutes the
breach of any statutory or common law duty of loyalty to the Company, in a manner that materially damages the Company; or 
  
                   (d)  Any illegal act by Executive which materially and adversely affects the business of the Company or any felony
(other than traffic violations) committed by Executive, as evidenced by conviction thereof, provided that the Company may suspend the Executive with pay while any allegation of such illegal or felonious act is investigated. 
 

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 Termination by the Company for cause shall be accomplished by written notice to Executive and shall be preceded by a written notice
providing a reasonable opportunity and timeframe (which timeframe shall not in any case exceed thirty (30) days) for Executive to correct his conduct. Any such termination shall be without prejudice to any other remedy to which the Company may be
entitled either at law, in equity, or under this Agreement. 
  
         5.3    Termination for Death or Disability. Executive’s employment pursuant to this Agreement shall be immediately terminated without notice by the
Company (i) upon the death of the Executive or (ii) upon the Executive becoming totally disabled. For purposes of this Agreement, the term “totally disabled” means an inability of Executive, due to a physical or mental illness, injury or
impairment, to perform a substantial portion of his duties for a period of one hundred eighty (180) or more consecutive days, as determined by the Company’s Board of Directors. 
  
         5.4    Termination for Good Reason. Executive’s employment pursuant to this Agreement may be
terminated by Executive for “good reason” if Executive voluntarily terminates his employment as a result of any of the following: 
  
                   (a)  Without Executive’s prior written consent, a reduction in his then current Annual
Base Salary; 
  
                   (b)  The taking of any action by the Company that would substantially diminish the aggregate value of the benefits
provided the Executive under the Executive’s medical, health, accident, disability insurance, life insurance, thrift and retirement plans in which he was participating on the date of this Agreement, other than any such reduction which is (i)
required by law, (ii) implemented in connection with a general concessionary arrangement affecting all employees or affecting the group of employees (senior management) of which the Executive is a member or (iii) generally applicable to all
beneficiaries of such plans; 
  
                   (c)  Without Executive’s prior written consent, a relocation of the Executive’s place of employment
outside of Orange County, California; 
  
                   (d)  Resignation as a result of unlawful discrimination, as evidenced by a final court order; 

 
                   (e)  A reduction
in duties and responsibilities which results in Executive no longer having duties customary for a Chief Executive Officer; or 
  
                   (f)  The Company materially breaches any provision of this Agreement. 
  
         5.5    Payments Upon Termination. 
  
                   (a)  If during the term of
this Agreement, the Company terminates Executive’s employment, except as provided in Section 5.2 or 5.3 hereof, or the Executive resigns for one of the reasons stated in Section 5.4, Executive shall be entitled to the following compensation:
(i) the portion of his then current Annual Base Salary which has accrued through his date of termination, (ii) any vested incentive to which Executive is entitled as of the date of termination pursuant to any bonus or incentive compensation plan in
which he is then participating, provided the payment thereof is not contingent or conditional on Executive’s continued employment with the Company or the satisfaction of any other condition which has not been satisfied, (iii) any payments

 

 3 

 for unused vacation and reimbursement expenses, which are due, accrued or payable at the date of Executive’s termination, and (iv) a severance payment (the
“Severance Amount”) in an amount equal to two times his then current Annual Base Salary. If Executive’s employment terminates as a result of his death as provided in Section 5.3, then Executive’s heirs shall be entitled to
payment of the amounts set forth in items (i), (ii) and (iii) above, plus a payment (the “Termination Amount”) in an amount equal to one-half of Executive’s then current Annual Base Salary. 
  
                   (b)  All payments required
to be made by the Company pursuant to Section 5.5(a) shall be paid, at the option of Executive (or his heirs if termination resulted from Executive’s death), either (i) in accordance with the Company’s normal payroll procedures and
policies, provided that any Severance Amount shall be paid over the two-year period immediately succeeding the date of termination and any Termination Amount shall be paid over the sixth month period immediately succeeding the date of termination,
or (ii) in accordance with the Company’s normal payroll procedures and policies, provided that all payments shall be paid no later than thirty (30) days following the date of termination. 
  

                  (c)  If the Company terminates the Executive’s
employment pursuant to Section 5.2 or 5.3 (other than by reason of his death), or if Executive voluntarily resigns (except as provided in Section 5.4), then Executive shall be entitled to the compensation set forth in items (i), (ii) and (iii)
above. Such amounts shall be paid in accordance with the Company’s normal payroll procedures and policies. 
  
 6.    Confidential Information, Proprietary Rights.  Executive acknowledges that in the course of employment at the Company, Executive will have access to a variety of confidential information
that the Company considers its legally protected trade secrets. This includes files, records, lists and other documents identifying current and potential customers of the Company and their needs and preferences, as well as information about the
Company’s business plans, sales and marketing strategies, costs, prices, finances, methods of operation, and other know-how (“Trade Secrets”). Executive agrees to keep the Trade Secrets absolutely confidential, and not to use or
disclose them except in the proper performance of his duties while employed by the Company. Executive shall execute any other employee confidentiality and/or proprietary rights or invention assignment agreements reasonably requested by the Company.

  
 Executive also acknowledges that it would be virtually impossible to avoid exploiting the Trade Secrets if he were to accept
employment with a competitor of the Company. In order to protect the Trade Secrets, as well as the investment that the Company has made and will continue to make in its Trade Secrets, and as consideration for the benefits of this Agreement, during
the term of this Agreement, and (i) for one (1) year after termination in the event of a termination pursuant to Section 5.1 or Section 5.4, or (ii) for two (2) years after termination in the event of a resignation by Executive (other than pursuant
to Section 5.4) or a termination pursuant to Section 5.2 or Section 5.3(ii), Executive will not compete with the business of the Company in the United States, either directly or indirectly, as an employee, consultant, shareholder, owner, or
otherwise, for himself or on behalf of any other entity. 
  
 Executive shall not, during the term of his employment and for two (2)
years after termination, solicit (i) any employee or consultant of the Company to leave the Company for any reason, or (ii) any customer of, or vender to, the company to cease or reduce its business with the Company, or (iii) any customer of the
Company not to utilize the services or products of the Company. 
 

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 7.    Assignment.  This Agreement shall not be
assignable, in whole or in part, by either party without the written consent of the other party, except that the Company may, without the consent of Executive, assign its rights and obligations under this Agreement to an affiliate or to any
corporation, firm or other business entity (i) with or into which the Company may merge or consolidate, or (ii) to which the Company may sell or transfer all or substantially all of its assets. After any such assignment by the Company, the Company
shall be discharged from all further liability hereunder and such assignee shall thereafter be deemed to be the Company for the purposes of all provisions of this Agreement including this Section 7. 
  
 8.    Successors.  This Agreement shall inure to the benefit of and be enforceable by Executive’s
personal and legal representatives, executors, administrators, successors, heirs, distributees, devisees and legatees. If Executive should die while any amounts are still payable to him hereunder, all such amounts, unless otherwise provided herein,
shall be paid in accordance with the terms of this Agreement to Executive’s devisee, legatee, or other designee or, if there be no such designee, to the Executive’s estate. 
  
 9.    Injunctive Relief.  Executive agrees that it would be difficult to compensate the Company fully for damages for any violation of the
provisions of this Agreement. Accordingly, Executive specifically agrees that the Company shall be entitled to temporary and permanent injunctive relief to enforce the provisions of this Agreement, to the extent that such relief is provided by law
for such violation. This provision with respect to injunctive relief shall not, however, diminish the right of the Company to claim and recover damages in addition to injunctive relief. 
  
 10.    Miscellaneous. 
  
           10.1    Governing Law.  This Agreement is made under and shall be governed by and construed in accordance with the laws of the State of
California. 
  
           10.2    Arbitration/Governing Law.  To the fullest extent permitted by law, any dispute, claim or controversy of any kind (including but
not limited to tort, contract and statute) arising under, in connection with, or relating to this Agreement or Employee’s employment, shall be resolved exclusively by binding arbitration in Orange County, California in accordance with the
commercial rules of the American Arbitration Association then in effect. The Company and Executive agree to waive any objection to personal jurisdiction or venue in any forum located in Orange County, California. No claim, lawsuit or action of any
kind may be filed by either party to this Agreement; arbitration is the exclusive dispute resolution mechanism between the parties hereto. Judgment may be entered on the arbitrator’s award in any court having jurisdiction. The validity,
interpretation, effect and enforcement of this Agreement shall be governed by the laws of the State of California. 
  
           10.3    Prior Agreements.  This Agreement contains the entire agreement of the parties relating to the subject matter hereof and
supersedes all prior agreements and understanding with respect to such subject matter, and the parties hereto have made no agreements, representations or warranties relating to the subject matter of this Agreement which are not set forth herein.

  
           10.4    Withholding
Taxes.  The Company may withhold from any salary and benefits payable under this Agreement all federal, state, city or other taxes or amounts as shall be required to be withheld pursuant to any law or governmental regulation or ruling.

 

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           10.5    Amendments. No amendment or modification of this Agreement shall be deemed effective unless made in writing signed by the parties hereto.

  
           10.6    No Waiver. No term or
condition of this Agreement shall be deemed to have been waived nor shall there be any estoppel to enforce any provisions of this Agreement, except by a statement in writing signed by the party against whom enforcement of the waiver or estoppel is
sought. Any written waiver shall not be deemed a continuing waiver unless specifically stated, shall operate only as to the specific term or condition waived and shall not constitute a waiver of such term or condition for the future or as to any act
other than that specifically waived. 
  
           10.7    Severability. To the extent any provision of this Agreement shall be invalid or unenforceable, it shall be considered deleted herefrom and
the remainder of such provision and of this Agreement shall be unaffected and shall continue in full force and effect. 
  
           10.8    Counterpart Execution. This Agreement may be executed by facsimile and in counterparts, each of which shall be deemed an original and all
of which when taken together shall constitute but one and the same instrument. 
  
 IN WITNESS WHEREOF, the parties have executed
this Agreement as of the day and year set forth above. 
  
  
 
	 “Company”
 THE TRIZETTO GROUP, INC., a Delaware corporation
 
	 
	 By:
 	 	 /s/    MICHAEL J. SUNDERLAND
 

	  	 	 “Executive”
 
	  
	 
	  	 	 /s/    JEFFREY H. MARGOLIS
 

	  	 	 Jeffrey H. Margolis
 

 
 

 6EXCHANGE AGREEMENT

         THIS EXCHANGE AGREEMENT, dated as of April 18, 2002 (this "Agreement"),
among Saratoga Holdings I, Inc., a Texas corporation ("SGXK"), SH 2, Inc., a
Delaware corporation wholly owned by SGXK ("SGXK Subsidiary"), A21 Acquisition
LLC, a Delaware limited liability company wholly owned by SGXK ("A21
Acquisition"), and Thomas F. Cooke ("SGXK Shareholder"), on the one hand, and
Agence 21, Inc., a Delaware corporation ("A21"), and the stockholders, option
holders and warrant holders of A21 set forth on the signature pages to this
Agreement (collectively, the "Sellers" and individually, a "Seller"), on the
other hand. SGXK, SGXK Subsidiary, A21 Acquisition, SGXK Shareholder, A21 and
Sellers are collectively referred to herein as "Parties" and sometimes
individually referred to herein as a "Party". SGXK, SGXK Subsidiary, A21
Acquisition and SGXK Shareholder are sometimes referred to herein collectively
as the "SGXK Parties" and sometimes individually referred to herein as an "SGXK
Party".

                                    RECITALS:

         WHEREAS, Sellers own at least 80% of the issued and outstanding shares
of Common Stock of A21, par value $.0001 per share ("A21 Common Stock"), 100% of
the issued and outstanding shares of Preferred Stock of A21, par value $.0001
per share ("A21 Preferred Stock"), 100% of the issued and outstanding options to
purchase A21 Common Stock ("A21 Options") and 100% of the issued and outstanding
warrants to purchase A21 Common Stock ("A21 Warrants"), in the denominations as
set forth opposite their respective names on Schedule I and Schedule II to this
Agreement. The shares of A21 Common Stock and A21 Preferred Stock issued and
outstanding on the Closing Date are sometimes referred to herein as the "A21
Shares", the A21 Options and the A21 Warrants issued and outstanding on the
Closing Date are sometimes referred to herein collectively as the "A21
Derivative Securities" and the A21 Shares and the A21 Derivative Securities are
sometimes referred to herein collectively as the "A21 Securities".

         WHEREAS, SGXK has organized A21 Acquisition and become its sole member
in exchange for 13,000,000 shares of Common Stock, par value $.001 per share, of
SGXK ("Pre-Split SGXK Common Stock").

         WHEREAS, A21 Acquisition desires to acquire from Sellers, and Sellers
desire to sell to A21 Acquisition, all of the A21 Shares owned by Sellers on the
Closing Date in exchange (the "Exchange") for the delivery by A21 Acquisition of
one share of Common Stock, par value $.001 per share, of SGXK ("Post-Split SGXK
Common Stock") for each three A21 Shares, on the terms and conditions set forth
below, which, after giving effect to (a) the Reverse Stock Split (as defined
below) and (b) the Exchange, will represent more than 80% of the issued and
outstanding shares of the capital stock of SGXK on a fully diluted basis.

         WHEREAS, SGXK desires to acquire from Sellers, and Sellers desire to
sell to SGXK, 100% of the A21 Derivative Securities issued and outstanding on

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<PAGE>

the Closing Date in exchange (the "Derivative Securities Exchange") for the
issuance of new options and warrants of SGXK on the terms and subject to the
conditions set forth below;

         WHEREAS, A21 advanced SGXK Shareholder the sum of Fifteen Thousand
Dollars ($15,000) (the "advance");

         WHEREAS, SGXK Shareholder currently is the principal shareholder of
SGXK, owning beneficially approximately 70% of the outstanding shares of
Pre-Split SGXK Common Stock, as determined on a fully diluted basis before
giving effect to the issuance of 522,418 additional shares of Pre-Split SGXK
Common Stock pursuant to the 2002 Plan, and will benefit from the transactions
contemplated herein;

         WHEREAS, in exchange for forgiving $240,000 of the indebtedness owed to
SGXK Shareholder by SGXK, after the Closing, SGXK will transfer to SGXK
Shareholder all of the issued and outstanding shares of SGXK Subsidiary;

         WHEREAS, at a special meeting of shareholders of SGXK to be held on the
Closing Date (the "Special Meeting"), the shareholders of SGXK, before giving
effect to the Exchange, will (i) approve and effect the Reverse Stock Split,
(ii) approve the re-incorporation of SGXK in Delaware (the "reincorporation"),
(iii) approve the changing of the name of SGXK to a name specified by A21 (the
"Name Change"), (iv) approve the changing of the symbol under which Post-Split
SGXK Common Stock trades from "SGXK" to a ticker symbol specified by A21 (the
"Ticker Symbol Change"), (v) adopt the employee benefit and other plans
specified by A21 (the "Plans Adoption"), and (vi) elect a slate proposed by A21
prior to the Special Meeting as the Board of Directors of SGXK (the "Board
Change").

         WHEREAS, it is intended that, for federal income tax purposes, the
Exchange shall qualify as an exchange described in section 351 of the Code and a
reorganization described in section 368 of the Code.

         WHEREAS, A21, Sellers and SGXK Parties desire to make certain
representations, warranties, covenants and agreements in connection with this
Agreement;

         WHEREAS, SGXK currently has 3,791,667 shares of Pre-Split SGXK Common
Stock issued and outstanding, is obligated to issue an additional 522,418 shares
of Pre-Split SGXK Common Stock pursuant to the 2002 Directors, Officers and
Consultants Stock Option, Stock Warrant and Stock Award Plan of SGXK (the "2002
Plan") which will be registered pursuant to a registration statement to be filed
under the Securities Act on Form S-8 and will have, after giving effect to the
Reverse Stock Split and immediately before the effective time of the Exchange,
1,854,149 shares of Post-Split SGXK Common Stock issued and outstanding; and

         WHEREAS, the Parties wish this Agreement to become effective and
legally binding on all Parties who eventually sign this Agreement when this
Agreement is executed and delivered by A21 and SGXK Parties.

                                       -2-
<PAGE>

         NOW, THEREFORE, in consideration of the premises and mutual promises
herein made, and in consideration of the representations, warranties, covenants
and agreements herein contained, and intending to be legally bound hereby,
Parties agree as follows:

                                    ARTICLE I
                                   DEFINITIONS

         1.1      Certain Definitions. The following terms shall, when used in
this Agreement, have the following meanings:

         "Affiliate" means, with respect to any Person: (i) any Person directly
or indirectly controlling, controlled by, or under common control with such
other Person; and (ii) any officer, director or partner of such other Person.

         "Assets" of a Person mean all properties, assets, privileges, powers,
rights, interests and claims of every type and description that are owned,
leased, held, used or useful in such Person's business and in which such Person
has any right, title or interest or in which such Person acquires any right,
title or interest on or before the Closing Date, wherever located, whether known
or unknown, and whether or not now or on the Closing Date on the books and
records of such Person, but excluding any of the foregoing, if any, transferred
prior to the Closing pursuant to this Agreement or any Collateral Documents.

         "A21 Business" means a technology and business service partner for the
high-end independent photographer and photo agency which will facilitate image
collection, value-added marketing and promotions through its developing
technology platform for e-sales in the stock photography industry. A21 was
conceived from a need developed out of the industry leaders' supplier and buyer
frustration. A21 focuses on strictly high-end quality images; and will allow all
its customers to control their own activities through a friendlier and more
elegant user interface.

         "A21 Shareholders" means, as of any particular date, the holders of A21
Common Stock and/or A21 Preferred Stock on that date.

         "Business Day" means any day other than Saturday, Sunday or a day on
which banking institutions in San Francisco, California, are required or
authorized to be closed.

         "Code" means the Internal Revenue Code of 1986, as amended, and the
rules and regulations promulgated thereunder.

         "Collateral Documents" mean the Exhibits, Schedules and any other
documents, instruments and certificates to be executed and delivered by the
Parties hereunder or thereunder.

         "Commission" means the Securities and Exchange Commission or any
Regulatory Authority that succeeds to its functions.

                                       -3-
<PAGE>

         "Control" for purposes of determining whether a Person is an Affiliate
shall mean the possession, directly or indirectly, of the power to direct or
cause the direction of the management and policies of a Person, whether through
the ownership of voting securities or voting interests, by contract or
otherwise.

         "Encumbrance" means any material mortgage, pledge, lien, encumbrance,
charge, security interest, security agreement, conditional sale or other title
retention agreement, limitation, option, assessment, restrictive agreement,
restriction, adverse interest, restriction on transfer or exception to or
material defect in title or other ownership interest (including restrictive
covenants, leases and licenses).

         "Exchange Act" means the Securities Exchange Act of 1934, as amended,
and the rules and regulations thereunder.

         "Exchange Derivative Securities" means the options and warrants
deliverable by SGXK in exchange for A21 Derivative Securities pursuant to
Section 2.1(b). All Exchange Derivative Securities shall be vested to the same
extent as the Derivative Securities they were exchanged for were vested on the
Closing Date.

         "Exchange Shares" means the shares of Post-Split SGXK Common Stock
deliverable by A21 Acquisition in exchange for A21 Shares pursuant to Section
2.1(a).

         "GAAP" means United States generally accepted accounting principles as
in effect from time to time.

         "Legal Requirement" means any statute, ordinance, law, rule,
regulation, code, injunction, judgment, order, decree, ruling, or other
requirement enacted, adopted or applied by any Regulatory Authority, including
judicial decisions applying common law or interpreting any other Legal
Requirement.

         "Liability" means any liability or obligation (whether known or
unknown, whether asserted or unasserted, whether absolute or contingent, whether
accrued or unaccrued, whether liquidated or unliquidated, and whether due or to
become due), including any liability for Taxes.

         "Losses" shall mean all damages, awards, judgments, assessments, fines,
sanctions, penalties, charges, costs, expenses, payments, diminutions in value
and other losses, however suffered or characterized, all interest thereon, all
costs and expenses of investigating any claim, lawsuit or arbitration and any
appeal therefrom, all actual attorneys', accountants', investment bankers' and
expert witness' fees incurred in connection therewith, whether or not such
claim, lawsuit or arbitration is ultimately defeated and, subject to Article X,
all amounts paid incident to any compromise or settlement of any such claim,
lawsuit or arbitration.

                                       -4-
<PAGE>

         "Material Adverse Effect" means a material adverse effect on (i) the
Assets, Liabilities, properties, business or prospects of a Party, (ii) the
validity, binding effect or enforceability of this Agreement and/or the
Collateral Documents and/or (iii) the ability of any Party to perform its
obligations under this Agreement and/or the Collateral Documents.

         "Person" means any natural person, corporation, partnership, trust,
unincorporated organization, association, limited liability company, Regulatory
Authority or other entity.

         "Post-Split SGXK Common Stock" means the Common Stock of SGXK after
giving effect to the Reverse Stock Split.

         "Regulatory Authority" means: (i) the United States of America; (ii)
any state, commonwealth, territory or possession of the United States of America
and any political subdivision thereof (including counties, municipalities and
the like); (iii) any foreign (as to the United States of America) sovereign
entity and any political subdivision thereof; or (iv) any agency, authority or
instrumentality of any of the foregoing, including any court, tribunal,
department, bureau, commission or board.

         "Representative" means any director, officer, employee, agent,
consultant, advisor or other representative of a Person, including legal
counsel, accountants and financial advisors.

         "Reverse Stock Split" means the reverse stock split of the SGXK Common
Stock to take place on the Closing Date pursuant to which the number of
outstanding shares of SGXK Common Stock, immediately after giving effect to the
reverse stock split and before giving effect to the Exchange, will be and become
1,854,149 shares. The Reverse Stock Split shall not reduce below 100,000,000 the
number of authorized shares of Post-Split SGXK Common Stock.

         "Securities Act" means the Securities Act of 1933, as amended, and the
rules and regulations thereunder.

         "SGXK Securities Filings" means SGXK's annual report on Form 10-KSB for
the year ended December 31, 2001 and all other reports filed and to be filed
with the Commission prior to the Closing Date.

         "Special Meeting Actions" means the following actions to be taken at
the Special Meeting by holders of Pre-Split SGXK Common Stock in the following
order: (a) pursuant to previously authorized board resolutions, issue stock to
consultants under the 2002 Plan; (b) the approval of the Reverse Stock Split and
the filing of a certificate of amendment to the certificate of incorporation of
SGXK to effect the Reverse Stock Split; (c) the approval of the Reincorporation;
(d) the approval of the Name Change; (e) the approval of the Ticker Symbol
Change; (f) the Plans Adoption; (g) approve any and all other actions deemed
necessary by the Board of Directors of SGXK to be taken in connection with the
transactions contemplated by this Agreement; and (h) the Board Change.

         "Tax" means any U.S. or non U.S. federal, state, provincial, local or
foreign income, gross receipts, license, payroll, employment, excise, severance,

                                       -5-
<PAGE>

stamp, occupation, premium, windfall profits, environmental, customs duties,
capital, franchise, profits, withholding, social security (or similar),
unemployment, disability, real property, personal property, intangible property,
recording, occupancy, sales, use, transfer, registration, value added minimum,
estimated or other tax of any kind whatsoever, including any interest, additions
to tax, penalties, fees, deficiencies, assessments, additions or other charges
of any nature with respect thereto, whether disputed or not.

         1.2      Other Definitions. The following terms shall, when used in
this Agreement, have the meanings assigned to such terms in the sections
indicated.

                  "Advance"                                   Recitals
                  "Agreement"                                 Preamble
                  "A21"                                       Preamble
                  "A21 Common Stock"                          Recitals
                  "A21 Derivative Securities"                 Recitals
                  "A21 Options"                               Recitals
                  "A21 Preferred Stock"                       Recitals
                  "A21 Schedules"                             Section 6.5
                  "A21 Securities"                            Recitals
                  "A21 Shares"                                Recitals
                  "A21 Warrants"                              Recitals
                  "Board Change"                              Recitals
                  "Closing"                                   Section 2.3
                  "Closing Date"                              Section 2.3
                  "Derivative Securities Exchange"            Recitals
                  "Derivative Shares"                         Section 4.5
                  "Exchange"                                  Recitals
                  "Indemnified Party"                         Section 10.3
                  "Indemnifying Party"                        Section 10.3
                  "Name Change"                               Recitals
                  "Parties"                                   Preamble
                  "Party"                                     Preamble
                  "Permitted Liabilities"                     Section 5.9(b)
                  "Plans Adoption"                            Recitals
                  "Reincorporation"                           Recitals
                  "SGXK"                                      Preamble
                  "A21 Acquisition"                           Preamble
                  "SGXK Common Stock"                         Recitals
                  "SGXK Parties"                              Preamble
                  "SGXK Party"                                Preamble
                  "SGXK Schedules"                            Section 7.8
                  "SGXK Shareholder"                          Preamble
                  "SGXK Subsidiary"                           Preamble
                  "Seller"                                    Preamble

                                       -6-
<PAGE>

                  "Sellers"                                   Preamble
                  "Special Meeting"                           Recitals
                  "Ticker Symbol Change"                      Recitals
                  "Transfer"                                  Section 6.6
                  "2002 Plan"                                 Recitals

                                   ARTICLE II
                               EXCHANGE OF SHARES

         2.1      Exchange of Shares. On the terms and subject to the conditions
of this Agreement, on the Closing Date and after giving effect to the Reverse
Stock Split and the Special Meeting Actions:

                  (a)      A21 Acquisition shall deliver to each of the Sellers
owning A21 Shares the number of shares of Post-Split SGXK Common Stock set forth
opposite such Seller's name set forth on Schedule I hereto, and each such Seller
shall deliver to A21 Acquisition, the number of issued and outstanding A21
Shares set forth opposite such Seller's name on Schedule I hereto along with a
duly executed stock power endorsed in favor of A21 Acquisition. In the event
that any shares of A21 Common Stock outstanding on the Closing Date which shall
not be exchanged for shares of Post-Split SGXK Common Stock are, after the
Closing Date, cancelled or otherwise recovered for the treasury of A21, 80% of
the shares of Post-Split SGXK Common Stock that would have been exchanged for
such shares of A21 Common Stock shall be delivered by A21 Acquisition to the
former holders of A21 Common Stock who participated in the Exchange in
proportion to the number of shares of A21 Common Stock exchanged by each such
participating holder. In the event that any shares of Post-Split SGXK Common
Stock issued to any former holders of A21 Common Stock pursuant to the Exchange
are, after the Closing Date, cancelled or otherwise recovered by or for A21
Acquisition, 80% of such shares of Post-Split SGXK Common Stock shall be
delivered by A21 Acquisition to the former holders of A21 Common Stock who
participated in the Exchange and whose shares of Post-Split SGXK Common Stock
were not cancelled or recovered for A21 Acquisition, in proportion to the number
of shares of A21 Common Stock exchanged by each such participating holder.

                  (b)      SGXK shall issue and deliver to each Seller owning
A21 Derivative Securities, options and/or warrants exercisable for the number of
shares of Post-Split SGXK Common Stock and at an exercise price per share, in
each case set forth opposite such Seller's name set forth on Schedule II hereto,
and each such Seller shall deliver unexercised 100% of the A21 Derivative
Securities owned by such Seller.

                  (c)      On the Closing Date, A21 Acquisition shall return to
SGXK, to be held by SGXK in its treasury, all shares of Post-Split SGXK Common
Stock that shall not be required to effect the Exchange for all shares of A21
Common Stock issued and outstanding on the Closing Date.

                                       -7-
<PAGE>

                  (d)      On or prior to the second anniversary of the Closing
Date, A21 Acquisition shall return to SGXK, to be held by SGXK in its treasury,
any shares of Post-Split SGXK Common Stock that shall not have been distributed
to former holders of A21 Common Stock pursuant to Section 2.1(a).

                  (e)      SGXK Shareholder shall deliver, to or upon the order
of A21, fifteen thousand (15,000) shares of Post-Split SGXK Common Stock in
repayment of the Advance, such delivery to be made within 91 days after the
Closing Date or such later date as SGXK Shareholder shall cease to be an
Affiliate of SGXK.

         2.2      Restrictive Legends. All certificates representing the
Exchange Shares and/or Exchange Derivative Securities shall contain the
following legends:

                  "THE SECURITIES REPRESENTED BY THIS CERTIFICATE ARE SUBJECT TO
                  THE TERMS OF THE EXCHANGE AGREEMENT, BY AND AMONG SARATOGA
                  HOLDINGS I, INC., SH 2, INC., A21 ACQUISITION LLC, THOMAS F.
                  COOKE, AGENCE 21, INC. AND CERTAIN STOCKHOLDERS OF AGENCE 21,
                  INC., A COPY OF WHICH IS ON FILE IN THE PRINCIPAL OFFICE OF
                  THE ISSUER."

                  "THE SECURITIES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN
                  REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR
                  THE SECURITIES OR BLUE SKY LAWS OF ANY STATE AND MAY NOT BE
                  SOLD, TRANSFERRED OR HYPOTHECATED UNLESS SO REGISTERED OR
                  UNLESS A VALID EXEMPTION FROM SUCH REGISTRATION EXISTS."

         2.3      Closing. The closing of the transactions contemplated by this
Agreement and the Collateral Documents (the "Closing") shall take place at the
offices of Warshaw Burstein Cohen Schlesinger & Kuh, LLP, 555 Fifth Avenue, 11th
Floor, New York, New York 10017, at 11:00 a.m., Eastern Time, on April 30, 2002,
or at such other location or time as the parties may agree. The date on which
the Closing actually occurs is referred to herein as the "Closing Date". On the
Closing Date, prior to the Closing of the Exchange and the Derivative Securities
Exchange, the Special Meeting Actions shall be taken at the Special Meeting.

                                   ARTICLE III
                      REPRESENTATIONS AND WARRANTIES OF A21

         A21 represents and warrants to SGXK that the statements contained in
this ARTICLE III are correct and complete as of the date of this Agreement and,
except as provided in Section 8.1, will be correct and complete as of the
Closing Date (as though made then and as though the Closing Date were
substituted for the date of this Agreement throughout this ARTICLE III, except
in the case of representations and warranties stated to be made as of the date
of this Agreement or as of another date and except for changes contemplated or
permitted by this Agreement).

                                       -8-
<PAGE>

         3.1      Organization and Qualification. A21 is a corporation duly
organized, validly existing and in good standing under the laws of Delaware. A21
has all requisite power and authority to own, lease and use its Assets as they
are currently owned, leased and used and to conduct the A21 Business as it is
currently conducted. A21 is duly qualified or licensed to do business in, and is
in good standing in, each jurisdiction in which the character of the properties
owned, leased or used by it or the nature of the activities conducted by it make
such qualification necessary, except any such jurisdiction where the failure to
be so qualified or licensed would not have a Material Adverse Effect on A21.

         3.2      Capitalization. (a) As of February 28, 2002, the authorized,
issued and outstanding capital stock and other ownership interests of A21
consisted of 40,000,000 shares of A21 Common Stock, of which 25,973,500 shares
were issued and outstanding and 10,000,000 shares of A21 Preferred Stock, of
which 1,500,000 shares were issued and outstanding. As of February 28, 2002,
there were issued and outstanding A21 Options exercisable for 5,550,000 shares
of A21 Common Stock and A21 Warrants exercisable for 1,775,000 shares of A21
Common Stock. All of the issued and outstanding A21 Securities have been duly
authorized and are validly issued, fully paid and nonassessable. A21 will not
issue any additional A21 Securities between February 28, 2002 and the Closing
Date unless the consideration received by A21 in cash, property or shares of
another Person shall have a minimum value, as determined in good faith by the
Board of Directors of A21, of $.40 per A21 Share so issued or, for A21
Derivative Securities, an exercise price of at least $.40 per share of A21
Common Stock for A21 Derivative Securities so issued. Nothing in the preceding
sentence or elsewhere in this Agreement shall prevent the exercise of any of the
A21 Derivative Securities outstanding on February 28, 2002.

                  (b)      All of the issued and outstanding A21 Securities have
been issued in compliance with applicable securities laws and other applicable
Legal Requirements or transfer restrictions under applicable securities laws.

         3.3      Authority and Validity. A21 has all requisite power to execute
and deliver, to perform its obligations under, and to consummate the
transactions contemplated by, this Agreement. The execution and delivery by A21
of, the performance by A21 of its obligations under, and the consummation by A21
of the transactions contemplated by, this Agreement have been duly authorized by
all requisite corporate action of A21. This Agreement has been duly executed and
delivered by A21 and (assuming due execution and delivery by each of the other
Parties hereto) is the legal, valid, and binding obligation of A21, enforceable
against A21 in accordance with its terms. Upon the execution and delivery by A21
of each Collateral Document to which it is a Party (assuming due execution and
delivery by each of the other Parties thereto), such Collateral Document will be
the legal, valid and binding obligation of A21, enforceable against A21 in
accordance with their respective terms.

         3.4      No Breach or Violation. The execution, delivery and
performance by A21 of this Agreement and the Collateral Documents to which it is
a party, and the consummation of the transactions contemplated hereby and
thereby in accordance with the terms and conditions hereof and thereof, do not

                                       -9-
<PAGE>

and will not conflict with (i) the certificate of incorporation or by-laws of
A21or (ii) any agreement to which A21 is a party, or by which A21 or A21's
Assets are bound or affected.

         3.5      Consents and Approvals. No consent, approval, authorization or
order of, registration or filing with, or notice to, any Regulatory Authority or
any other Person is necessary to be obtained, made or given by A21 in connection
with the execution, delivery and performance by A21 of this Agreement or any
Collateral Document or for the consummation by A21 of the transactions
contemplated hereby or thereby.

         3.6      Compliance with Legal Requirements. A21 has operated the A21
Business in compliance with all material Legal Requirements applicable to A21
except to the extent the failure to operate in compliance with all material
Legal Requirements would not have a Material Adverse Effect on A21.

         3.7      Litigation. Except as set forth on Schedule 3.7, as of the
date of this Agreement (i) there are no outstanding judgments or orders against
or otherwise affecting or related to A21, the A21 Business or A21 Assets and
(ii) there is no action, suit, complaint, proceeding or investigation, judicial,
administrative or otherwise, that is pending or, to A21's knowledge, threatened
that, if adversely determined, would have a Material Adverse Effect on A21.

         3.8      Taxes. Except as may be reserved for on the audited balance
sheet of A21 to be included in the Form 8-K to be filed pursuant to Section 6.1,
A21 has filed all Tax returns that it was required to file on a timely basis,
and each such Tax return was correct and complete in all material respects, and
all Taxes shown to be payable on such Tax returns or on subsequent assessments
with respect thereto have been paid in full on a timely basis and no other Taxes
are payable by A21 with respect to items or periods covered by such Tax returns
(whether or not shown or reportable on such Tax returns) or with respect to any
period prior to the date of this Agreement.

         3.9      Books and Records. The books and records of A21 accurately and
fairly represent, in all material respects, the A21 Business as it is currently
conducted and its results of operations.

         3.10     Brokers or Finders. No broker or finder has acted directly or
indirectly for A21 in connection with the transactions contemplated by this
Agreement, and A21 has not incurred any obligation to pay any brokerage or
finder's fee or other commission in connection with the transactions
contemplated by this Agreement.

         3.11     Disclosure. No representation or warranty of A21 in this
Agreement or in the Collateral Documents and no statement in any certificate
furnished or to be furnished by A21 pursuant to this Agreement contained,
contains or will contain on the date such agreement or certificate was or is
delivered, or on the Closing Date, any untrue statement of a material fact, or
omitted, omits or will omit on such date to state any material fact necessary in
order to make the statements made, in light of the circumstances under which
they were made, not misleading.

                                      -10-
<PAGE>

                                   ARTICLE IV
                  REPRESENTATIONS AND WARRANTIES OF EACH SELLER

         Each Seller, severally and not jointly, represents and warrants to A21
and SGXK Parties that the statements contained in this ARTICLE IV as to such
Seller and such Seller's A21 Securities are correct and complete as of the date
of this Agreement and, except as provided in Section 8.1, will be correct and
complete as of the Closing Date (as though made then and as though the Closing
Date were substituted for the date of this Agreement throughout this ARTICLE IV,
except in the case of representations and warranties stated to be made as of the
date of this Agreement or as of another date and except for changes contemplated
or permitted by this Agreement).

         4.1      Authority and Validity. Such Seller has all requisite power to
execute and deliver, to perform its obligations under, and to consummate the
transactions contemplated by, this Agreement. The execution and delivery by such
Seller, the performance by such Seller of its, his or her obligations under, and
the consummation by Seller of the transactions contemplated by, this Agreement
have been duly authorized by all requisite action of such Seller. This Agreement
has been duly executed and delivered by such Seller and (assuming due execution
and delivery by each other Party hereto) is the legal, valid, and binding
obligation of such Seller, enforceable against such Seller in accordance with
its terms. Upon the execution and delivery of each Collateral Document to which
such Seller is a Party (assuming due execution and delivery by each other Party
thereto) such Collateral Document will be the legal, valid and binding
obligations of such Seller, enforceable against such Seller in accordance with
their respective terms.

         4.2      No Breach or Violation. The execution, delivery and
performance by such Seller of this Agreement and the Collateral Documents to
which it is a party, and the consummation of the transactions contemplated
hereby and thereby in accordance with the terms and conditions hereof and
thereof, do not and will not conflict with (i) the certificate of incorporation
or by-laws of such Seller, if applicable, or (ii) any agreement to which such
Seller is a party, or by which such Seller or such Seller's Assets are bound or
affected.

         4.3      Consents and Approvals. No consent, approval, authorization or
order of, registration or filing with, or notice to, any Regulatory Authority or
any other Person is necessary to be obtained, made or given by such Seller in
connection with the execution, delivery and performance by such Seller of this
Agreement or any Collateral Document to which it is a party or for the
consummation by such Seller of the transactions contemplated hereby or thereby.

         4.4      Purchase for Investment. (a) Such Seller is acquiring the
Exchange Shares and the Exchange Derivative Securities for investment for such
Seller's own account and not as a nominee or agent, and not with a view to the
resale or distribution of any part thereof, and such Seller has no present
intention of selling, granting any participation in, or otherwise distributing
the same.

                  (b)      Such Seller understands that the Exchange Shares and
the Exchange Derivative Securities are not registered under the Securities Act
on the ground that the sale and the issuance of securities hereunder is exempt
from registration under the Securities Act pursuant to Section 4(2) thereof, and

                                      -11-
<PAGE>

that SGXK's reliance on such exemption is predicated, in part, on such Seller's
representations set forth herein.

         4.5      Restricted Securities. Such Seller understands that the
Exchange Shares and the Exchange Derivative Securities may not be sold,
transferred, or otherwise disposed of without registration under the Securities
Act or an exemption therefrom, and that in the absence of an effective
registration statement covering the Exchange Shares and/or the shares of
Post-Split SGXK Common Stock issuable upon exercise of the Exchange Derivative
Securities (the "Derivative Shares") or any available exemption from
registration under the Securities Act, the Exchange Shares and the Derivative
Shares must be held indefinitely. Such Seller is aware that the Exchange Shares
and the Derivative Shares may not be sold pursuant to Rule 144 promulgated under
the Securities Act unless all of the conditions of that Rule are met. Among the
conditions for use of Rule 144 may be the availability of current information to
the public about SGXK and the requirements to hold Exchange Shares and/or
Derivative Shares, as the case may be, for at least one (1) year from the
Closing Date and to sell Exchange Shares and/or Derivative Shares in accordance
with the volume limitations and other provisions of Rule 144.

                                    ARTICLE V
                 REPRESENTATIONS AND WARRANTIES OF SGXK PARTIES

         Each SGXK Party, jointly and severally, represents and warrants to A21
and each Seller that the statements contained in this ARTICLE V are correct and
complete as of the date of this Agreement and, except as provided in Section
9.1, will be correct and complete as of the Closing Date (as though made then
and as though the Closing Date were substituted for the date of this Agreement
throughout this ARTICLE V, except in the case of representations and warranties
stated to be made as of the date of this Agreement or as of another date and
except for changes contemplated or permitted by the Agreement).

         5.1      Organization and Qualification. (a) SGXK is a corporation duly
organized, validly existing and in good standing under the laws of Texas, (b)
SGXK Subsidiary is a corporation duly organized, validly existing and in good
standing under the laws of Delaware and (c) A21 Acquisition is a limited
liability company duly organized, validly existing and in good standing under
the laws of Delaware. Each of SGXK, SGXK Subsidiary and A21 Acquisition has, and
at all times has had, all requisite power and authority to own, lease and use
its Assets as they were and are owned, leased and used, and to conduct its
business as it has been conducted at all times since the inception of such
entity. Each of SGXK, SGXK Subsidiary and A21 Acquisition, is duly qualified or
licensed to do business in, and is in good standing in, each jurisdiction in
which the character of the properties owned, leased or used by it or the nature
of the activities conducted by it make such qualification necessary, except any
such jurisdiction where the failure to be so qualified or licensed and in good
standing would not have a Material Adverse Effect on SGXK or A21 Acquisition.

         5.2      Capitalization. (a) As of the date hereof, (i) the authorized,
issued and outstanding capital stock of and other ownership interests of SGXK
consists of 100,000,000 shares of common stock, par value $.001 per share, of

                                      -12-
<PAGE>

which there are 3,791,667 shares of Pre-Split SGXK Common Stock outstanding and
522,418 additional shares of Pre-Split SGXK Common Stock obligated to be issued
pursuant to the 2002 Plan before the Closing Date, and 100,000 shares of
preferred stock, par value $.001 per share, of which there are no shares
outstanding, (ii) the authorized, issued and outstanding capital stock of and
other ownership interests of SGXK Subsidiary consists of 100,000,000 shares of
common stock, par value $.001 per share, of which there are 3,791,667 shares
outstanding, and (iii) the authorized, issued and outstanding ownership
interests of A21 Acquisition consists of 100% of the membership interests of A21
Acquisition, of which SGXK is the sole member. The Exchange Shares, when issued
in accordance with this Agreement, will have been, and will be, duly authorized,
validly issued and outstanding and will be fully paid and nonassessable. The
Derivative Shares, when issued in accordance with the Exchange Derivative
Securities, will have been, and will be, duly authorized, validly issued and
outstanding and will be fully paid and nonassessable. SGXK Shareholder owns or
controls greater than seventy percent (70%) of the issued and outstanding shares
of SGXK, determined on a fully-diluted basis before giving effect to the
issuance of 522,418 additional shares of Pre-Split SGXK Common Stock pursuant to
the 2002 Plan.

                  (b)      On the Closing Date, there will not be authorized,
issued or outstanding any options, warrants, purchase rights, preemptive rights
or other contracts or commitments, whether written or oral, that could require
SGXK and/or A21 Acquisition, to issue, sell, or otherwise cause to become
outstanding any of its capital stock or other ownership interests.

                  (c)      All of (i) the issued and outstanding shares of
Pre-Split SGXK Common Stock, (ii) the issued and outstanding shares of SGXK
Subsidiary common stock and (iii) the membership interests in A21 Acquisition,
in each case, have been duly authorized and are validly issued and outstanding,
fully paid and nonassessable and have been issued in compliance with applicable
securities laws and other applicable Legal Requirements.

         5.3      Authority and Validity. Each SGXK Party has all requisite
power to execute and deliver, to perform such Party's obligations under, and to
consummate the transactions contemplated by, this Agreement and the Collateral
Documents to which such SGXK Party is a party. The execution and delivery by
each SGXK Party of, the performance by each SGXK Party of such Party's
respective obligations under, and the consummation by the SGXK Parties of the
transactions contemplated by, this Agreement and the Collateral Documents have
been duly authorized by all requisite action of each SGXK Party. This Agreement
has been duly executed and delivered by each SGXK Party and (assuming due
execution and delivery by A21 and the Sellers) is the legal, valid and binding
obligation of each SGXK Party, enforceable against each SGXK Party in accordance
with its terms. Upon the execution and delivery by each SGXK Party of the
Collateral Documents to which each of them is a party, and assuming due
execution and delivery thereof by the other parties thereto, the Collateral
Documents will be the legal, valid and binding obligations of each SGXK Party,
enforceable against such SGXK Party in accordance with their respective terms.

         5.4      No Breach or Violation. The execution, delivery and
performance by SGXK Parties of this Agreement and the Collateral Documents to
which each SGXK Party is a party and the consummation of the transactions

                                      -13-
<PAGE>

contemplated hereby and thereby in accordance with the terms and conditions
hereof and thereof, do not and will not conflict with the certificate of
incorporation, by-laws or operating agreement of any SGXK Party or constitute a
violation or breach of any agreement to which any SGXK Party is a party, or by
which any SGXK Party, or its Assets are bound or affected.

         5.5      Consents and Approvals. No consent, approval, authorization or
order of, registration or filing with, or notice to, any Regulatory Authority or
any other Person is necessary to be obtained, made or given by any SGXK Party in
connection with the execution, delivery and performance by them of this
Agreement or any Collateral Documents or for the consummation by them of the
transactions contemplated hereby or thereby.

         5.6      Compliance with Legal Requirements. SGXK and SGXK Subsidiary
have operated the SGXK business in compliance with all material Legal
Requirements, except to the extent the failure to operate in compliance with all
material Legal Requirements would not have a Material Adverse Effect on SGXK.

         5.7      Litigation. Except as set forth in the SGXK Securities Filings
filed through the date hereof or the Closing Date, as applicable, (i) there are
no outstanding judgments or orders against or otherwise affecting or related to
any of the SGXK Parties or their business or assets, and (ii) there is no
action, suit, complaint, proceeding or investigation, judicial, administrative
or otherwise, that is pending or, to the best knowledge of any SGXK Party,
threatened.

         5.8      Ordinary Course. From the date of the balance sheet included
in the most recent SGXK Securities Filings filed through the date of this
Agreement, or the Closing Date, as applicable, there did not occur any event,
incident, action, failure to act or transaction involving any SGXK Party which
is reasonably likely, individually or in the aggregate, to have a Material
Adverse Effect on SGXK or A21 Acquisition. From the date of the Transfer to the
date of this Agreement, the SGXK business has been conducted through SGXK
Subsidiary and SGXK has done nothing, other than pursuant to this Agreement or
the Collateral Documents to incur any Liability or obligation.

         5.9      Assets and Liabilities. (a) As of the date of this Agreement,
SGXK has no Assets or Liabilities other than the Assets and Liabilities, if any,
disclosed on Schedule 5.9 hereto.

                  (b)      On the Closing Date, the balance sheet of SGXK shall
include (i) no Assets other than the membership interest in A21 Acquisition and
(ii) up to Fifteen Thousand Dollars ($15,000) in Liabilities in the aggregate
(the "Permitted Liabilities"); provided, however, that such Permitted
Liabilities shall be solely for reasonable expenses, approved in writing by A21,
incurred by SGXK directly in connection with the transactions contemplated by
this Agreement, including, without limitation, audit fees, legal fees owed to
Jenkens & Gilchrist not to exceed Three Thousand Dollars ($3,000), transfer
agent fees and expenses owed to Mellon Investor Services not to exceed Seven
Thousand Nine Hundred Twenty-six Dollars ($7,926), among other expenses approved
in writing by A21.

                                      -14-
<PAGE>

         5.10     Taxes. Each of SGXK and A21 Acquisition has filed all Tax
returns that it was required to file on a timely basis, and each such Tax return
was correct and complete in all material respects, and all Taxes shown to be
payable on such Tax returns or on subsequent assessments with respect thereto
have been paid in full on a timely basis and no other Taxes are payable by SGXK
or A21 Acquisition with respect to items or periods covered by such Tax returns
(whether or not shown or reportable on such Tax returns) or with respect to any
period prior to the date of this Agreement.

         5.11     Books and Records. The books and records of SGXK and A21
Acquisition are complete and correct and do not omit or misstate any entry
required to be set forth therein by any Legal Requirement.

         5.12     Environmental Matters. SGXK has not violated any environmental
laws, does not lack any permit, license or other approval required under
applicable environmental laws and is not violating any term or condition of any
such permit, license or approval.

         5.13     Financial and Other Information. (a) The historical financial
statements (including the notes thereto) contained (or incorporated by
reference) in the SGXK Securities Filings have been prepared in accordance with
GAAP applied on a consistent basis throughout the periods covered thereby
(except as may be indicated in the notes thereto), and present fairly the
financial condition of SGXK and its results of operations as of the dates and
for the periods indicated, subject in the case of the unaudited financial
statements only to normal year-end adjustments (none of which will be material
in amount) and the omission of footnotes.

                  (b)      SGXK Securities Filings did not, as of their filing
dates, contain (directly or by incorporation by reference) any untrue statement
of a material fact or omit to state a material fact required to be stated
therein or necessary to make the statements therein (or incorporated therein by
reference), in light of the circumstances under which they were made, not
misleading.

         5.14     Trading. No order suspending the sale or ceasing the trading
or quotation of the Pre-Split SGXK Common Stock on the Over-The-Counter Bulletin
Board has been issued by any court, securities commission or regulatory
authority in the United States, and no proceedings for such purpose are pending
or, to the knowledge of SGXK after reasonable inquiry, threatened.

         5.15     Brokers or Finders. No broker or finder has acted directly or
indirectly for SGXK, any SGXK Party or any of their Affiliates in connection
with the transactions contemplated by this Agreement, and neither SGXK, any SGXK
Party nor any of their Affiliates has incurred any obligation to pay any
brokerage or finder's fee or other commission in connection with the transaction
contemplated by this Agreement other than its obligation to issue 166,163 shares
of Post-Split SGXK Common Stock to Atlas Capital Services, Inc.

         5.16     Disclosure. No representation or warranty of any SGXK Party in
this Agreement or in the Collateral Documents and no statement in any
certificate furnished or to be furnished by any SGXK Party pursuant to this
Agreement contained, contains or will contain on the date such agreement or
certificate was or is delivered, or on the Closing Date, any untrue statement of

                                      -15-
<PAGE>

a material fact, or omitted, omits or will omit on such date to state any
material fact necessary in order to make the statements made, in light of the
circumstances under which they were made, not misleading.

         5.17     Filings. SGXK has made all of the filings required by the
Securities Act and the Exchange Act required to be made and no such filing
contains any untrue statement of a material fact or omits to state a material
fact necessary to make the statements made, not misleading.

                                   ARTICLE VI
                                COVENANTS OF A21

         Between the date of this Agreement and the Closing Date:

         6.1      Form 8-K. A21 shall prepare as soon as commercially reasonable
and cause SGXK to file with the Commission within seventy five (75) days after
the Closing Date a current report on Form 8-K which includes the information
required by Items 1, 2, 4, 6 and 7 of Form 8-K.

         6.2      Operations of A21. Between the date of this Agreement and the
Closing Date, A21 shall use its commercially reasonable efforts to promote the
financial success of the A21 Business.

         6.3      Consents and Approvals. As soon as practicable after execution
of this Agreement, A21 shall use commercially reasonable efforts to obtain any
necessary consent, approval, authorization or order of, make any registration or
filing with or give any notice to, any Regulatory Authority or Person as is
required to be obtained, made or given by A21 to consummate the transactions
contemplated by this Agreement and the Collateral Documents.

         6.4      Notification of Certain Matters. A21 shall promptly notify
SGXK of any fact, event, circumstance or action known to it that is reasonably
likely to cause A21 to be unable to perform any of its covenants contained
herein or any condition precedent in ARTICLE VIII not to be satisfied, or that,
if known on the date of this Agreement, would have been required to be disclosed
to SGXK pursuant to this Agreement or the existence or occurrence of which would
cause any of A21's representations or warranties under this Agreement not to be
correct and/or complete. A21 shall give prompt written notice to SGXK of any
adverse development causing a material breach of any of the representations and
warranties in ARTICLE III as of the date made.

         6.5      A21 Schedules. A21 shall, from time to time prior to Closing,
supplement its Schedules (the "A21 Schedules") with additional information that,
if existing or known to it on the date of delivery of the A21 Schedules to the
SGXK Parties, would have been required to be included therein.

         6.6      Transfer to SGXK Shareholder. As soon practicable after the
Closing, A21 shall cause SGXK to transfer to SGXK Shareholder all of the shares
of SGXK Subsidiary (the "Transfer").

                                      -16-
<PAGE>

                                   ARTICLE VII
                          COVENANTS OF THE SGXK PARTIES

         Between the date of this Agreement and the Closing Date,

         7.1      Additional Information. SGXK shall provide to A21 and its
Representatives such financial, operating and other documents, data and
information relating to SGXK and A21 Acquisition as A21 or its Representatives
may reasonably request.

         7.2      Notice of Special Meeting. SGXK shall prepare and send to its
shareholders at least ten days prior to the Closing Date, a Notice of Special
Meeting that sets forth the Special Meeting Actions to be taken at the Special
Meeting and that advises SGXK's shareholders that SGXK Shareholder intends to
vote all share of Pre-Split SGXK Common Stock owned or controlled by him in
favor of the Special Meeting Actions and that such vote by SGXK Shareholder will
be sufficient to take each of the Special Meeting Actions.

         7.3      Press Release; Form 8-K. SGXK shall prepare in consultation
with A21 press releases to be issued promptly after the execution and delivery
of this Agreement and on the Closing Date after the Closing is complete. SGXK
shall prepare as soon as commercially reasonable and within 15 days after the
Closing Date, a current report on Form 8-K that attaches a copies of such press
release and this Agreement (without exhibits) as exhibits thereto and that
responds to items 2 and 4 of Form 8-K.

         7.4      No Solicitations. From and after the date of this Agreement
until the Closing or termination of this Agreement pursuant to ARTICLE XI, SGXK
Parties will not, nor will they authorize or permit any of their respective
officers, directors, Affiliates or employees or any investment banker, attorney
or other advisor or representative retained by it or him, directly or
indirectly, (i) solicit or initiate the making, submission or announcement of
any other acquisition proposal, (ii) participate in any discussions or
negotiations regarding, or furnish to any person any non-public information with
respect to any other acquisition proposal, (iii) engage in discussions with any
Person with respect to any other acquisition proposal, except as to the
existence of these provisions, (iv) approve, endorse or recommend any other
acquisition proposal or (v) enter into any letter of intent or similar document
or any contract agreement or commitment contemplating or otherwise relating to
any other acquisition proposal.

         7.5      Transfer of Assets and Liabilities to SGXK Subsidiary. On or
prior to the Closing Date: (a) SGXK shall transfer to SGXK Subsidiary, and shall
cause SGXK Subsidiary to acquire, all of the Assets and Liabilities of SGXK,
except for the Permitted Liabilities, in existence immediately prior to the
Closing; and (b) SGXK Shareholder shall forgive all indebtedness and obligations
of SGXK to SGXK Shareholder that shall not be either transferred to SGXK
Subsidiary or Permitted Liabilities.

                                      -17-
<PAGE>

         7.6      Organization of A21 Acquisition. As soon as commercially
reasonable and prior to the Closing Date, SGXK shall organize A21 Acquisition
and become its sole member in exchange for 13,000,000 shares of Pre-Split SGXK
Common Stock issued to A21 Acquisition.

         7.7      Continuity and Maintenance of Existence. SGXK shall maintain
its existence in good standing until the Closing Date. From and after the date
of the Transfer until the Closing, SGXK shall not incur, directly or indirectly,
any obligation or create or assume any Liability without the prior written
consent of A21.

         7.8      Consents and Approvals. As soon as practicable after execution
of this Agreement, the SGXK Parties shall use commercially reasonable efforts to
obtain any necessary consent, approval, authorization or order of, make any
registration or filing with or give notice to, any Regulatory Authority or
Person as is required to be obtained, made or given by any of SGXK Parties to
consummate the transactions contemplated by this Agreement and the Collateral
Documents.

         7.9      Special Meeting Actions. At the Special Meeting, the holders
of the requisite percentage of capital stock of SGXK shall have taken the
Special Meeting Actions.

         7.10     Notification of Certain Matters. SGXK shall promptly notify
A21 of any fact, event, circumstance or action known to it that is reasonably
likely to cause any SGXK Party to be unable to perform any of its covenants
contained herein or any condition precedent in ARTICLE IX not to be satisfied,
or that, if known on the date of this Agreement, would have been required to be
disclosed to A21 pursuant to this Agreement or the existence or occurrence of
which would cause any of SGXK Parties' representations or warranties under this
Agreement not to be correct and/or complete. SGXK Parties shall give prompt
written notice to A21 of any adverse development causing a breach of any of the
representations and warranties in ARTICLE V.

         7.11     SGXK Schedules. SGXK Parties shall, from time to time prior to
Closing, supplement their Schedules (the "SGXK Schedules") with additional
information that, if existing or known to it or them on the date of delivery of
such Schedules to A21 and the Sellers, would have been required to be included
therein.

         7.12     Securities Filings. SGXK will timely file all reports and
other documents required to be filed with the Commission, which reports and
other documents do not and will not contain any misstatement of a material fact,
and do not and will not omit any material fact necessary to make the statements
therein not misleading.

         7.13     Resignation of SGXK Directors and Officers. At the Special
Meeting, all officers and directors of SGXK and A21 Acquisition shall resign
without compensation and shall release all claims against SGXK, A21 Acquisition,
A21, Sellers and their respective officers, directors, employees, affiliates,
successors and assigns.

                                      -18-
<PAGE>

                                  ARTICLE VIII
              CONDITIONS PRECEDENT TO OBLIGATIONS OF SGXK PARTIES

         All obligations of SGXK Parties under this Agreement shall be subject
to the fulfillment at or prior to Closing of each of the following conditions,
it being understood that SGXK Parties may, in their sole discretion, to the
extent permitted by applicable Legal Requirements, waive any or all of such
conditions in whole or in part.

         8.1      Accuracy of Representations. All representations and
warranties of A21 and Sellers contained in this Agreement, the Collateral
Documents and any certificate delivered by A21 or any Seller at or prior to
Closing shall be, if specifically qualified by materiality, true in all respects
and, if not so qualified, shall be true in all material respects, in each case
on and as of the Closing Date with the same effect as if made on and as of the
Closing Date, except for representations and warranties expressly stated to be
made as of the date of this Agreement or as of another date other than the
Closing Date and except for changes contemplated or permitted by this Agreement.
A21 and Sellers shall have delivered to SGXK certificates dated as of the
Closing Date to the foregoing effect.

         8.2      Covenants. A21 and Sellers shall, in all material respects,
have performed and complied with each of the covenants, obligations and
agreements contained in this Agreement and the Collateral Documents that are to
be performed or complied with by them at or prior to Closing. A21 and Sellers
shall have delivered to SGXK and A21 Acquisition certificates dated the Closing
Date to the foregoing effect.

         8.3      Consents and Approvals. All consents, approvals, permits,
authorizations and orders required to be obtained from, and all registrations,
filings and notices required to be made with or given to, any Regulatory
Authority or Person as provided herein shall have been obtained.

         8.4      Delivery of Documents. A21 and Sellers shall have delivered,
or caused to be delivered, to SGXK the following documents:

                  (i)  Certified copies of A21's articles of incorporation and
by-laws and certified resolutions of the Board of Directors of A21 authorizing
the execution and delivery of this Agreement and the Collateral Documents to
which A21 is a party and the consummation of the transactions contemplated
hereby and thereby; and

                  (ii) Such other documents and instruments as SGXK may
reasonably request in writing: (A) to evidence the accuracy of the
representations and warranties of A21 and/or Sellers under this Agreement, the
Collateral Documents and any documents, instruments or certificates required to
be delivered thereunder; (B) to evidence the performance by A21 and Sellers of,
or the compliance by A21 and Sellers with, any material covenant, obligation,
condition and agreement to be performed or complied with by A21 or Sellers under
this Agreement and the Collateral Documents; or (C) to otherwise facilitate the
consummation or performance of any of the transactions contemplated by this
Agreement and the Collateral Documents.

         8.5      Delivery of A21 Shares. Sellers shall have delivered
certificates representing at least 80% of the A21 Common Stock and 100% of the
other A21 Securities, together with appropriate duly executed stock powers
therefor.

                                      -19-
<PAGE>

                                   ARTICLE IX
           CONDITIONS PRECEDENT TO OBLIGATIONS OF A21 AND THE SELLERS

         All obligations of A21 and the Sellers under this Agreement shall be
subject to the fulfillment at or prior to Closing of the following conditions,
it being understood that A21 and the Sellers may, in their sole discretion, to
the extent permitted by applicable Legal Requirements, waive any or all of such
conditions in whole or in part.

         9.1      Accuracy of Representations. All representations and
warranties of SGXK Parties contained in this Agreement and the Collateral
Documents and any other document, instrument or certificate delivered by any
SGXK Party at or prior to the Closing shall be, if specifically qualified by
materiality, true and correct in all respects and, if not so qualified, shall be
true and correct in all material respects, in each case on and as of the Closing
Date with the same effect as if made on and as of the Closing Date, except for
representations and warranties expressly stated to be made as of the date of
this Agreement or as of another date other than the Closing Date and except for
changes contemplated or permitted by this Agreement. SGXK Parties shall have
delivered to A21 a certificate dated the Closing Date to the foregoing effect.

         9.2      Covenants. SGXK Parties shall, in all material respects, have
performed and complied with each obligation, agreement, covenant and condition
contained in this Agreement and the Collateral Documents and required by this
Agreement and the Collateral Documents to be performed or complied with by SGXK
Parties at or prior to Closing. SGXK Parties shall have delivered to A21 a
certificate dated the Closing Date to the foregoing effect.

         9.3      Consents and Approvals. All consents, approvals,
authorizations and orders required to be obtained from, and all registrations,
filings and notices required to be made with or given to, any Regulatory
Authority or Person as provided herein shall have been obtained.

         9.4      Delivery of Documents. SGXK Parties shall have executed and
delivered, or caused to be executed and delivered, to A21 the following
documents:

                  (i)  Certified copies of the articles of incorporation and
by-laws of SGXK, a certified copy of the operating agreement of A21 Acquisition
and certified resolutions by the board of directors or managing member, as the
case may be, authorizing the execution of this Agreement and the Collateral
Documents and the consummation of the transactions contemplated hereby;

                  (ii) Such other documents and instruments as A21 or Sellers
may reasonably request in writing: (A) to evidence the accuracy of the
representations and warranties of SGXK Parties under this Agreement and the
Collateral Documents and any documents, instruments or certificates required to
be delivered thereunder; (B) to evidence the performance by SGXK Parties of, or
the compliance by SGXK Parties with, any material covenant, obligation,

                                      -20-
<PAGE>

condition and agreement to be performed or complied with by SGXK Parties under
this Agreement and the Collateral Documents; or (C) to otherwise facilitate the
consummation or performance of any of the transactions contemplated by this
Agreement and the Collateral Documents;

                  (iii) Letters of resignation from SGXK's current officers and
directors and from the current officers of A21 Acquisition to be effective upon
the Closing;

                  (iv)  releases, substantially in the form attached hereto as
Exhibit A, from Atlas Capital Services, Inc. and each of the officers of SGXK
and A21 Acquisition resigning on the Closing Date; and

                  (v)   All corporate books and records of SGXK and A21
Acquisition.

         9.5      No Assets & Liabilities. Assuming compliance with Section 6.6,
at the Closing SGXK shall have no Assets or Liabilities other than the entire
membership interest in A21 Acquisition and the Permitted Liabilities.

         9.6      Payment of Costs. Other than costs provided for in the
Permitted Liabilities, SGXK Shareholder shall have paid all of the costs and
expenses of SGXK Parties associated with the transactions contemplated herein
other than the Permitted Liabilities.

                                    ARTICLE X
                                 INDEMNIFICATION

         10.1     Indemnification by Sellers. Each Seller (pro rata based on
such Seller's percentage interest in A21 determined based on the number of A21
Shares issued and outstanding) shall indemnify, defend and hold harmless SGXK
Parties, from and against any and all Losses which may be incurred or suffered
by any SGXK Party and which may arise out of, or result from, any breach of any
representation, warranty, covenant or agreement of A21 or Sellers contained in
this Agreement and/or the Collateral Documents. Notwithstanding the foregoing,
(a) no claim under this Section 10.1 may be made unless notice is given pursuant
to Section 10.3 within one year from the Closing Date, and (b) no Seller shall
be responsible for the representations and warranties of any other Seller.

         10.2     Indemnification by Certain SGXK Parties. SGXK Parties, other
than SGXK and A21 Acquisition, shall indemnify, defend and hold harmless A21 and
Sellers from and against any and all Losses which may be incurred or suffered by
any such Party and which may arise out of, or result from, any breach of any
representation, warranty, covenant or agreement of SGXK Parties or any of them,
contained in this Agreement and/or the Collateral Documents. Notwithstanding the
foregoing, no claim under this Section 10.2 may be made unless notice is given
pursuant to Section 10.3 within one year from the Closing Date.

         10.3     Notice to Indemnifying Party. If any Party (the "Indemnified
Party") receives notice of any claim or other commencement of any action or
proceeding with respect to which any other Party (or Parties) (the "Indemnifying

                                      -21-
<PAGE>

Party") is obligated to provide indemnification pursuant to Sections 10.1 or
10.2, the Indemnified Party shall promptly give the Indemnifying Party written
notice thereof, which notice shall specify in reasonable detail, if known, the
amount or an estimate of the amount of the liability arising therefrom and the
basis of the claim. Such notice shall be a condition precedent to any liability
of the Indemnifying Party for indemnification hereunder, but the failure of the
Indemnified Party to give prompt notice of a claim shall not adversely affect
the Indemnified Party's right to indemnification hereunder unless the defense of
that claim is materially prejudiced by such failure. The Indemnified Party shall
not settle or compromise any claim by a third party for which it is entitled to
indemnification hereunder without the prior written consent of the Indemnifying
Party (which shall not be unreasonably withheld or delayed) unless suit shall
have been instituted against it and the Indemnifying Party shall not have taken
control of such suit after notification thereof as provided in Section 10.4.

         10.4     Defense by Indemnifying Party. In connection with any claim
giving rise to indemnity hereunder resulting from or arising out of any claim or
legal proceeding by a Person who is not a party to this Agreement, the
Indemnifying Party at its sole cost and expense may, upon written notice to the
Indemnified Party, assume the defense of any such claim or legal proceeding (i)
if it acknowledges to the Indemnified Party in writing its obligations to
indemnify the Indemnified Party with respect to all elements of such claim
(subject to any limitations on such liability contained in this Agreement) and
(ii) if it provides assurances, reasonably satisfactory to the Indemnified
Party, that it will be financially able to satisfy such claims in full if the
same are decided adversely. If the Indemnifying Party assumes the defense of any
such claim or legal proceeding, it may use counsel of its choice to prosecute
such defense, subject to the approval of such counsel by the Indemnified Party,
which approval shall not be unreasonably withheld or delayed. In this regard,
Warshaw Burstein Cohen Schlesinger & Kuh, LLP is hereby approved by SGXK Parties
as counsel to A21 and/or Sellers (in such Party's capacity as the Indemnifying
Party). The Indemnified Party shall be entitled to participate in (but not
control) the defense of any such action, with its counsel and at its own
expense; provided, however, that if the Indemnified Party, in its sole
discretion, determines that there exists a conflict of interest between the
Indemnifying Party (or any constituent party thereof) and the Indemnified Party,
the Indemnified Party (or any constituent party thereof) shall have the right to
engage separate counsel, the reasonable costs and expenses of which shall be
paid by the Indemnified Party. If the Indemnifying Party assumes the defense of
any such claim or legal proceeding, the Indemnifying Party shall take all steps
necessary to pursue the resolution thereof in a prompt and diligent manner. The
Indemnifying Party shall be entitled to consent to a settlement of, or the
stipulation of any judgment arising from, any such claim or legal proceeding,
with the consent of the Indemnified Party, which consent shall not be
unreasonably withheld or delayed; provided, however, that no such consent shall
be required from the Indemnified Party if (i) the Indemnifying Party pays or
causes to be paid all Losses arising out of such settlement or judgment
concurrently with the effectiveness thereof (as well as all other Losses
theretofore incurred by the Indemnified Party which then remain unpaid or
unreimbursed), (ii) in the case of a settlement, the settlement is conditioned
upon a complete release by the claimant of the Indemnified Party and (iii) such
settlement or judgment does not require the Encumbrance of any asset of the
Indemnified Party or impose any restriction upon its conduct of business.

                                      -22-
<PAGE>

                                   ARTICLE XI
                                   TERMINATION

         11.1     Termination. This Agreement may be terminated, and the
transactions contemplated hereby may be abandoned, at any time prior to the
Closing (a) by mutual written agreement of A21 and SGXK; or (b) if any court of
competent jurisdiction or other competent Governmental or Regulatory Authority
shall have issued an order making illegal or otherwise permanently restricting,
preventing or otherwise prohibiting the transactions contemplated by this
Agreement; or (c) by A21 if the Exchange shall not qualify as an exchange
described in section 351 of the Code and a reorganization described in section
368(a)(1)(B) of the Code.

         11.2     Effect of Termination. If this Agreement is validly terminated
pursuant to Section 11.1, this Agreement will forthwith become null and void and
there will be no liability or obligation on the part of the Parties hereto;
provided, however, that if this Agreement is terminated because of the actions
or inactions, directly or indirectly, of any SGXK Party, then SGXK Shareholder
shall promptly repay the Advance together with any funds advanced by A21 to or
upon the direction of SGXK (including, without limitation, the payment by A21 of
SGXK's indebtedness to Mellon Investor Services) in cash or other immediately
available funds with accrued interest from the date of the Advance at a rate of
ten percent (10%) per annum, and shall also pay, on demand, all legal fees and
expenses incurred by A21 to recover the foregoing if not promptly paid by SGXK
Shareholder.

                                   ARTICLE XII
                                  MISCELLANEOUS

         12.1     Parties Obligated and Benefitted. This Agreement shall be
binding upon the Parties and their respective successors by operation of law and
shall inure solely to the benefit of the Parties and their respective successors
by operation of law, and no other Person shall be entitled to any of the
benefits conferred by this Agreement. Without the prior written consent of each
other Party, no Party may assign this Agreement or the Collateral Documents or
any of its rights or interests or delegate any of its duties under this
Agreement or the Collateral Documents.

         12.2     Publicity. The initial press release describing the execution
and delivery of this Agreement shall be a joint press release approved in
writing, in advance, by A21 and SGXK, such approval not to be unreasonably
withheld, and thereafter A21 and SGXK each shall consult with each other prior
to issuing any press releases or otherwise making public announcements with
respect to the Exchange and the other transactions contemplated by this
Agreement and prior to making any filings with any third party and/or any
Regulatory Authorities (including any national securities interdealer quotation
service) with respect thereto, except (i) as may be required by law or (ii) by
obligations pursuant to any listing agreement with or rules of any national
securities interdealer quotation service.

         12.3     Notices. Any notices and other communications required or
permitted hereunder shall be in writing and shall be effective upon delivery by

                                      -23-
<PAGE>

hand or upon receipt if sent by certified or registered mail (postage prepaid
and return receipt requested) or by a nationally recognized overnight courier
service (appropriately marked for overnight delivery). Notices shall be
addressed as follows:

                  (a)      If to any SGXK Party, to:

                                   Thomas F. Cooke
                                   2304 Hancock Drive, Suite 5
                                   Austin, Texas 78756

                  (b)      If to A21 or any Seller, in care of:

                                   Warshaw Burstein Cohen Schlesinger & Kuh, LLP
                                   555 Fifth Avenue
                                   New York, New York 10017
                                   Attention: Peter B. Hirshfield, Esq.

         Any Party may change the address to which notices are required to be
sent by giving notice of such change in the manner provided in this Section
12.3.

         12.4     Attorneys' Fees. In the event of any action or suit based upon
or arising out of any alleged breach by any Party of any representation,
warranty, covenant or agreement contained in this Agreement or the Collateral
Documents, the prevailing Party shall be entitled to recover reasonable
attorneys' fees and other costs of such action or suit from the other Party.
Notwithstanding the foregoing, the prevailing Party shall only be entitled to
recover reasonable attorneys' fees from SGXK Shareholder in connection with an
enforcement of his indemnity obligations set forth in Section 10.2 hereof.

         12.5     Headings. The Article and Section headings of this Agreement
are for convenience only and shall not constitute a part of this Agreement or in
any way affect the meaning or interpretation thereof.

         12.6     Choice of Law. This Agreement and the rights of the Parties
under it shall be governed by and construed in all respects in accordance with
the laws of the State of New York, without giving effect to any choice of law
provision or rule (whether of the State of New York or any other jurisdiction
that would cause the application of the laws of any jurisdiction other than the
State of New York).

         12.7     Rights Cumulative. All rights and remedies of each of the
Parties under this Agreement shall be cumulative, and the exercise of one or
more rights or remedies shall not preclude the exercise of any other right or
remedy available under this Agreement or applicable law.

         12.8     Further Actions. The Parties shall execute and deliver to each
other, from time to time at or after Closing, for no additional consideration
and at no additional cost to the requesting party, such further assignments,

                                      -24-
<PAGE>

certificates, instruments, records, or other documents, assurances or things as
may be reasonably necessary to give full effect to this Agreement and the
Collateral Documents and to allow each party fully to enjoy and exercise the
rights accorded and acquired by it under this Agreement and/or the Collateral
Documents.

         12.9     Time of the Essence. Time is of the essence under this
Agreement. If the last day permitted for the giving of any notice or the
performance of any act required or permitted under this Agreement falls on a day
which is not a Business Day, the time for the giving of such notice or the
performance of such act shall be extended to the next succeeding Business Day.

         12.10    Counterparts. This Agreement may be executed in one or more
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument. Delivery of an executed
counterpart of a signature page to this Agreement by facsimile shall be
effective as delivery of a manually executed signature page hereto.

         12.11    Entire Agreement. This Agreement (including the Exhibits, A21
Schedules, the SGXK Schedules and any other documents, instruments and
certificates referred to herein, which are incorporated in and constitute a part
of this Agreement) contains the entire agreement of the Parties. Without
limiting the generality of the foregoing, this Agreement is intended to
supersede the Confidential Term Sheet between SGXK and A21, dated April 9, 2002.

         12.12    Expenses. Each Party will be responsible for payment of its
own expenses in connection with the transactions contemplated by this Agreement;
provided, however, that SGXK Shareholder shall be responsible for all expenses
of SGXK Parties other than the Permitted Liabilities.

         12.13    Survival of Representations and Covenants. Notwithstanding any
right of any Party fully to investigate the affairs of A21 or SGXK, as the case
may be, and notwithstanding any knowledge of facts determined or determinable by
any Party pursuant to such investigation or right of investigation, each Party
shall have the right to rely fully upon the representations, warranties,
covenants and agreements of other Parties contained in this Agreement. Each
representation, warranty, covenant and agreement of the Parties contained herein
shall survive the execution and delivery of this Agreement and the Closing and
shall thereafter terminate and expire on the first anniversary of the Closing
Date unless, prior to such date, a Party has delivered to the other Parties a
written notice of a claim with respect to such representation, warranty,
covenant or agreement; provided, however, that the representations and
warranties of SGXK Parties set forth in Sections 5.10 and 5.12 shall survive in
accordance with their terms.

         12.14    Appointment of Agent for Sellers. By executing this Agreement,
each Seller hereby appoints Albert H. Pleus its agent to take any and all
actions for such Seller's benefit and to receive all notices hereunder. Mr.
Pleus' appointment hereunder shall continue until three months after the Closing
Date or, if earlier, until his resignation or inability to act due to disability
or death; and each Seller hereby releases and discharges each present officer
and present director of A21 from any and all actions taken, suffered or omitted
to be taken at any time from the organization of A21 up to the date of this
Agreement by such present officer and/or present director in his or her capacity
as an officer and/or director of A21.

                                      -25-
<PAGE>

         IN WITNESS WHEREOF, the Parties hereto have duly executed this
Agreement as of the day and year first above written.

                                  AGENCE 21, INC.,
                                  a Delaware corporation

                                  By: /s/ ALBERT H. PLEUS
                                      ------------------------------------------
                                      Name:  Albert H. Pleus
                                      Title: Chairman

                                  SARATOGA HOLDINGS I, INC.,
                                  a Texas corporation

                                  By: /s/ THOMAS F. COOKE
                                      ------------------------------------------
                                      Name:  Thomas F. Cooke
                                      Title: President

                                  SH 2, INC.,
                                  a Delaware corporation

                                  By: /s/ THOMAS F. COOKE
                                      ------------------------------------------
                                      Name:  Thomas F. Cooke
                                      Title: President

                                  A21 ACQUISITION LLC,
                                  a Delaware limited liability company

                                  By: Saratoga Holdings I, Inc., its sole member

                                  By: /s/ THOMAS F. COOKE
                                      ------------------------------------------
                                      Name:  Thomas F. Cooke
                                      Title: President

                                  SGXK SHAREHOLDER:

                                  /s/ THOMAS F. COOKE
                                  ---------------------------------------------
                                  Thomas F. Cooke

                                      -26-
<PAGE>

                                  SELLERS:

                                  Adpads, Incorporated
                                  By: /s/ ERICA A. VENTLEY
                                      ------------------------------------------
                                      Name:  Erica A. Ventley
                                      Title: C.F.O.

                                  /s/ ALBERT H. PLEUS
                                  ----------------------------------------------
                                  Albert H. Pleus

                                  Albert Pleus Family Trust
                                  By: /s/ ALBERT H. PLEUS
                                      ------------------------------------------
                                      Name:  Albert H. Pleus
                                      Title: Trustee

                                  /s/ ANTHONY SUAU
                                  ----------------------------------------------
                                  Anthony Suau

                                  /s/ C. ROBERT ALLEN III
                                  ----------------------------------------------
                                  C. Robert Allen III

                                  /s/ CARA SUTHERLAND
                                  ----------------------------------------------
                                  Cara Sutherland

                                  /s/ CHRIS-ANTHONY DELELLIS
                                  ----------------------------------------------
                                  Chris-Anthony DeLellis

                                  /s/ HENRY D. PERRY
                                  ----------------------------------------------
                                  Dr. Henry D. Perrry

                                  /s/ FULVIO PAGNOZZI
                                  ----------------------------------------------
                                  Fulvio Pagnozzi

                                  /s/ GARY REIN
                                  ----------------------------------------------
                                  Gary Rein

                                  /s/ HAIM ARIAV
                                  ----------------------------------------------
                                  Haim Ariav

                                  Hawaii Venture Group, LLC
                                  By: /s/ RANDOLPH C. HAVRE
                                      ------------------------------------------
                                      Name:  Randolph C. Havre
                                      Title: C.E.O.

                                      -27-
<PAGE>

                                  /s/ JOHN E. ALTBERG
                                  ----------------------------------------------
                                  John E. Altberg

                                  /s/ JOHN HAMANN
                                  ----------------------------------------------
                                  John Hamann

                                  /s/ JOLI QUENTIN KANSIL
                                  ----------------------------------------------
                                  Joli Quentin Kansil

                                  /s/ KARL CHANG
                                  ----------------------------------------------
                                  Karl Chang

                                  Keo Kea Hawaii LP
                                  By: /s/ RANDOLPH C. HAVRE
                                      ------------------------------------------
                                      Name:  Randolph C. Havre
                                      Title: General Partner

                                  LCA Capital Partners I, Inc.
                                  By: /s/ LUKE A. ALLEN
                                      ------------------------------------------
                                      Name:  Luke A. Allen
                                      Title: President

                                  /s/ LUKE A. ALLEN
                                  ----------------------------------------------
                                  Luke A. Allen

                                  /s/ MARGARET W. PLEUS
                                  ----------------------------------------------
                                  Margaret W. Pleus

                                  /s/ MARK SPARGO
                                  ----------------------------------------------
                                  Mark Spargo

                                  /s/ MICHAEL WEZEL
                                  ----------------------------------------------
                                  Michael Wezel

                                  /s/ MITCHELL SINGER
                                  ----------------------------------------------
                                  Mitchell Singer

                                  /s/ PHILIP MARKS
                                  ----------------------------------------------
                                  Philip Marks

                                  /s/ RICH CLARKSON
                                  ----------------------------------------------
                                  Rich Clarkson

                                      -28-
<PAGE>

                                  /s/ RICHARD AND TERESA CLIFTON
                                  ----------------------------------------------
                                  Richard & Teresa Clifton

                                  /s/ RICHARD RICKMAN
                                  ----------------------------------------------
                                  Richard Rickman

                                  /s/ ROBERT M. BARKER
                                  ----------------------------------------------
                                  Robert M. Barker

                                  Schnittman & Schnittman
                                  By: /s/ STEVEN SCHNITTMAN
                                      ------------------------------------------
                                      Name:  Steven Schnittman
                                      Title: Partner

                                  /s/ STEVEN MARKS
                                  ----------------------------------------------
                                  Steven Marks

                                  /s/ SUSAN FURUSHIRO
                                  ----------------------------------------------
                                  Susan Furushiro

                                  /s/ THOMAS V. BUTTA
                                  ----------------------------------------------
                                  Thomas V. Butta

                                  Tenant Representative Services Association,
                                    Inc.
                                  By: /s/ DANIEL BROWN
                                      ------------------------------------------
                                      Name:  Daniel Brown
                                      Title: President

                                  /s/ VINCENT C. BUTTA
                                  ----------------------------------------------
                                  Vincent C. Butta

                                  Whitney Holdings, Inc.
                                  By: /s/ ALBERT H. PLEUS
                                      ------------------------------------------
                                      Name:  Albert H. Pleus
                                      Title: President

                                  /s/ WILLIAM A. BOGAGE
                                  ----------------------------------------------
                                  William A. Bogage

                                  /s/ WILLIAM C. CALLARI
                                  ----------------------------------------------
                                  William C. Callari

                                  /s/ CHARLES A. MAUZY
                                  ----------------------------------------------
                                  Charles A. Mauzy

                                      -29-
<PAGE>

                                  /s/ ERICA A. VENTLEY
                                  ----------------------------------------------
                                  Erica A. Ventley

                                  /s/ LAURENCE A. GERSHMAN
                                  ----------------------------------------------
                                  Laurence A. Gershman

                                  /s/ PETER HOWE
                                  ----------------------------------------------
                                  Peter Howe

                                      -30-
<PAGE>

                                   Schedule I
                         A21 Shares and Exchange Shares

Thru 4-30-02                    At Closing    At Closing         Post-Split
                                ----------    ----------         ----------
                                   A21           A21                SGXK
                                   ---           ---                ----
                                  Common      Preferred        Common Shares
                                  ------      ---------        -------------
Shareholder                       Shares        Shares      Exchanged at Closing
-----------                     ----------    ----------    --------------------

Adpads, Incorporated             3,000,000                        1,000,000

Albert H. Pleus                  3,575,000                        1,191,667

Albert Pleus Family Trust          400,000                          133,334

Anthony Suau                       100,000                           33,334

C. Robert Allen III              1,050,000                          350,000

Cara Sutherland                    100,000                           33,334

Chris-Anthony DeLellis             200,000                           66,667

Dr. Henry D. Perrry                225,000                           75,000

Fulvio Pagnozzi                    300,000                          100,000

Gary Rein                          450,000       100,000            183,334

Haim Ariav                         200,000                           66,667

Hawaii Venture Group, LLC          600,000                          200,000

John E. Altberg                  1,200,000                          400,000

John Hamann                         75,000                           25,000

Joli Quentin Kansil                 37,500                           12,500

Karl Chang                         100,000                           33,334

Keo Kea Hawaii LP                  660,000                          220,000

LCA Capital Partners I, Inc.     2,016,000                          672,000

Louis Marinello                                  130,000             43,334

Luke A. Allen                    1,657,000                          552,334

Margaret W. Pleus                  400,000                          133,334

Mark Spargo                      1,125,000                          375,000

Michael Wezel                      510,000                          170,000

Mitchell Singer                    187,500                           62,500

Philip Marks                       933,665        98,281            343,982

Rich Clarkson                      300,000                          100,000

Richard & Teresa Clifton           262,500                           87,500

Richard Rickman                                  470,000            156,667

Robert M. Barker                    75,000                           25,000

Schnittman & Schnittman            804,000                          268,000

Steven Marks                       491,335        51,719            181,018

Susan Furushiro                     25,000                            8,334

Thomas V. Butta                                  300,000            100,000

Tenant Representation
Services, Inc.                                   100,000             33,334

Vincent C. Butta                 2,926,500                          975,500

                                      -31-
<PAGE>

Whitney Holdings, Inc.             800,000                          266,667

William A. Bogage                  450,000       250,000            233,334

William C. Callari               1,000,000            --            333,334
                                ----------    ----------         ----------

                                26,236,000     1,500,000          9,245,343

                                      -32-
<PAGE>

                                   Schedule II
          A21 Derivative Securities and Exchange Derivative Securities
<TABLE>
<CAPTION>

                                                                Post-Split
                                                                ----------
                               At Closing                          SGXK
                               ----------                          ----
                                  A21          Exercise           Options            Exercise
                                  ---          --------           -------            --------
                                Options          Price      Exchanged at Closing       Price
                                -------          -----      --------------------       -----
<S>                             <C>           <C>               <C>                 <C>
Albert H. Pleus                 350,000       $    0.05           116,667           $    0.15

Cara Sutherland                 200,000       $    0.05            66,667           $    0.15

Chris-Anthony DeLellis          800,000       $    0.05           266,667           $    0.15

Haim Ariav                      800,000       $    0.05           266,667           $    0.15

John Hamann                      75,000       $    0.05            25,000           $    0.15

Reserved                        375,000       $    0.05           125,000           $    0.15

Susan Furushiro                  25,000       $    0.05             8,334           $    0.15
                             ----------                        ----------
                              3,150,000                         1,050,003
</TABLE>

<TABLE>
<CAPTION>
                                                                Post-Split
                                                                ----------
                               At Closing                          SGXK
                               ----------                          ----
                                  A21          Exercise          Warrants            Exercise
                                  ---          --------          --------            --------
                                Warrants         Price      Exchanged at Closing       Price
                                --------         -----      --------------------       -----
<S>                             <C>           <C>                 <C>               <C>
Thomas V. Butta                 100,000       $    0.50            33,334           $    1.50

Laurence A. Gershman            100,000       $    0.75            33,334           $    2.25

Charles A. Mauzy                 75,000       $    1.00            25,000           $    3.00

Peter Howe                       75,000       $    1.00            25,000           $    3.00

Schnittman & Schnittman          50,000       $    0.21            16,667           $    0.63

Robert Barker                    50,000       $    0.42            16,667           $    1.26

Erica A. Ventley                200,000       $    0.42            66,667           $    1.26

Mark Spargo                     150,000       $    0.42            50,000           $    1.26

William C. Callari              150,000       $    0.42            50,000           $    1.26
                             ----------                        ----------
                                950,000                           316,669
</TABLE>

                                      -33-
<PAGE>

                                  Schedule 3.7
                                 A21 Litigation

To settle a dispute with a former landlord, A21 stipulated to the entry of a
judgment (in the event of default in payment of the settlement amount) in the
amount of $88,500 plus interest at the rate of 10% per annum and agreed to make
level monthly payments to such former landlord through February 2003.

                                      -34-
<PAGE>

                                  Schedule 5.9
                    SGXK Closing Date Assets and Liabilities

                                      -35-
<PAGE>

                                                                       Exhibit A
                                                                       ---------
                             RESIGNATION AND RELEASE
                             -----------------------

                                 April 30, 2002

Reference is made to the Exchange Agreement (the "Exchange Agreement") among
Agence 21, Inc. ("A21"), certain of the holders of the securities of A21,
Saratoga Holdings I, Inc. ("SGXK"), A21 Acquisition LLC, ("A21 Acquisition"), SH
2, Inc. ("SGXK Subsidiary"), and Thomas F. Cooke. Capitalized terms used herein
and not defined herein shall have the respective meanings assigned to them in
the Exchange Agreement.

In connection with the Exchange Agreement and as an inducement for the parties
to the Exchange Agreement to enter into the transactions specified therein and
for other good and valuable consideration, the receipt and sufficiency of which
are hereby acknowledged, the undersigned hereby covenants and agrees as follows:

The undersigned is an employee and/or officer and/or director of SGXK and/or A21
Acquisition. The undersigned hereby resigns, effective immediately, as an
employee, officer and director of SGXK and/or A21 Acquisition.

The undersigned and his or her heirs, successors, assigns, administrators and
executors and any party claiming through or under the undersigned (individually
and collectively, the "Releasors") hereby releases and holds harmless SGXK, A21,
A21 Acquisition, and each of their respective directors, officers, employees,
agents, successors and assigns (individually and collectively, the "Releasees")
from and against any and all claims, demands, actions, complaints, suits, or
other forms of liability that may be asserted against any of them arising out of
(a) the undersigned's service as an officer and/or director of SGXK, A21
Acquisition and/or SGXK Subsidiary, including, without limitation, any claims
for salary or other benefits and any claims that are related, directly or
indirectly to, or arise out of, the Exchange Agreement or any Collateral
Document and/or (b) any agreements, other than the Exchange Agreement and the
Collateral Documents, whether written or oral, between the undersigned and A21,
SGXK, A21 Acquisition or their respective Affiliates.

This Release may not be changed orally.

IN WITNESS HEREOF, the undersigned has executed this Resignation and Release as
of the date first above written.

                                    Thomas F. Cooke
                                    -------------------------------------
                                    Name (Please print or type)

                                    By: /s/ THOMAS F. COOKE
                                        ----------------------------------------
                                        Signature

                                      -36-
<PAGE>

                               RECEIPT AND RELEASE
                               -------------------

                                 April 30, 2002

Reference is made to the Exchange Agreement (the "Exchange Agreement") among
Agence 21, Inc. ("A21"), certain of the holders of the securities of A21,
Saratoga Holdings I, Inc. ("SGXK"), A21 Acquisition LLC ("SGXK Acquisition"), SH
2, Inc. ("SGXK Subsidiary"), and Thomas F. Cooke. Capitalized terms used herein
and not defined herein shall have the respective meanings assigned to them in
the Exchange Agreement.

1.       Receipt. Atlas Capital Services, Inc. ("Atlas") hereby acknowledges
         receipt of 166,163 shares of Post-Split SGXK Common Stock as payment in
         full for all fees and expenses for services rendered, directly or
         indirectly, in connection with the transactions contemplated by the
         Exchange Agreement.

2.       Release. Atlas its successors, and/or assigns and any party claiming
         through or under the undersigned (individually and collectively, the
         "Releasors") hereby releases and holds harmless SGXK, A21, A21
         Acquisition, and each of their respective directors, officers,
         employees, agents, successors and assigns (individually and
         collectively, the "Releasees") from and against any and all claims,
         demands, actions, complaints, suits, or other forms of liability that
         may be asserted against any of them arising out of, or based upon, any
         services rendered by Atlas to SGX, A21, A21 Acquisition or any of the
         Releasees. Any and all agreements, whether written or oral, if any,
         between Atlas or its Affiliates, on the one hand, and SGXK, A21, A21
         Acquisition or their respective Affiliates, on the other hand, are
         hereby terminated and null and void, of no further force and effect.

This Release may not be changed orally.

IN WITNESS HEREOF, the undersigned has executed this Receipt and Release as of
the date first above written.

                                  ATLAS CAPITAL SERVICES, INC.

                                  By: /s/
                                      ------------------------------------------
                                      Name:
                                      Title:

                                      -37-

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