Document:

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                                                                  EXHIBIT 10.7

                   AGREEMENT BETWEEN NAVIG8US.COM LLC (NAVIG8)

                              AND A21 INC. ("A21")

                                SEPTEMBER 1, 2002

         This Agreement,  dated as of September 1, 2002 (the "EFFECTIVE  DATE"),
is between Navig8US.com LLC ("NAVIG8") and A21, Inc., a corporation formed under
the laws of the State of Texas (the "COMPANY").

                              W I T N E S S E T H:
                             ----------------------

         WHEREAS, the Company desires to engage NAVIG8, and NAVIG8 is willing to
render  services  to the  Company,  on the terms and  subject to the  conditions
hereinafter set forth.

         NOW,  THEREFORE,  in  consideration  of the  premises  and  the  mutual
covenants,  agreements and promises  hereinafter  set forth,  the parties hereto
covenant and agree as follows:

     1.  ENGAGEMENT.  The Company shall engage NAVIG8 and NAVIG8 hereby  accepts
such  opportunity  upon the terms and subject to the conditions  hereinafter set
forth, commencing on the Effective Date and continuing until terminated pursuant
to Paragraph 4 hereof (the "ENGAGEMENT PERIOD").

     2. DUTIES.

          (a) NAVIG8  shall report to the  Company's  Chief  Executive  Officer.
     NAVIG8 shall perform and discharge diligently and faithfully such duties as
     may be  assigned  from time to time by the Chief  Executive  Officer as are
     customary for this type of engagement, subject to NAVIG8's agreement.

          (b)  NAVIG8  will  perform  services  as  strategic  advisors  to  the
     management  team of A21 that include but are not limited to the  following:

     1.   Conducting  selected interviews with potential suppliers and customers
          to help develop a strategic marketing plan;

     2.   Advising on an economically feasible supplier compensation approach in
          order to maximize gross margins;

     3.   Advising on an  economically  feasible  customer  pricing  approach in
          order to maximize gross profits;

     4.   Advising on alternative approaches to scan and caption images in order
          to minimize the cost and enhance the utility of the image files;

     5.   Reviewing  vertical  markets and  advising on the value of focusing on
          specific vertical markets;

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     6.   Reviewing A21's supplier representation agreements;

     7.   Introduce A21 to selected industry suppliers, customers and press;

     8.   Introduce  A21 to selected  capital  sources and  potential  strategic
          partners; and

     9.   Presentation to A21 of a Final Report,  to be prepared in "powerpoint"
          format,  to  include  a  reasonably  detailed  review  of  all  of the
          activities and  conclusions  drawn by NAVIG8 as a result of activities
          1-7 above.

3. SPECIFIC TERMS.

     (a) NAVIG8 shall earn a fee of $64,000,  to be paid $16,000 on September 1,
2002 and $16,000 on each of October 1, 2002,  November 1, 2002,  and December 1,
2002,  in  registered  shares of A21 valued at the five (5) day average  closing
price  prior to the due date,  but no less than $0.40 per share and no more than
$1.00 per  share.  For any above  monthly  payment,  A21 may elect to pay NAVIG8
$10,000 in cash instead of $16,000 in registered shares of A21;

     (b) NAVIG8 shall receive warrants to purchase 120,000 shares at an exercise
price of $.75 per share,  90,000 shares at an exercise  price of $1.25 per share
and 30,000 at an exercise price of $1.75 per share  exercisable  for a period of
three (3) years from the  effective  date of this  Agreement  and subject to the
usual and customary adjustments for dividends, splits and other changes;

     (c) NAVIG8  shall be paid a business  services  fee of five  percent of any
investment  funds  received by A21 where NAVIG8  introduced  the investor to A21
that was not already known to A21;

     (d)  NAVIG8 is  authorized  to incur  reasonable  expenses  related  to the
performance  of duties  under this  Agreement  in  accordance  with  budgets and
guidelines established by the Company from time to time or otherwise approved by
the Chief Executive  Officer (CEO). The Company shall promptly  reimburse NAVIG8
for all such expenses in  accordance  with its expense  reimbursement  policy in
effect.  Any travel or expenses exceeding $250 shall be pre-approved by the CEO;
and

     (e) Taxes. Taxes are the responsibility of NAVIG8.

4. TERM AND TERMINATION.

     (a) The term of this  Agreement  shall  commence on the Effective  Date and
continue until December 31, 2002 unless  terminated  earlier in accordance  with
this Paragraph 4.

     (b)  Termination.   Either  party  hereto  may  terminate  this  Agreement,
effective  immediately  upon  written  notice to the other  party.  Any pro rata
unpaid fees and expenses shall be promptly paid upon termination. (

     c) Stock Buy Back.  If the  Company or NAVIG8  terminates  under any of the
provisions  above,  the Company has the right to terminate one half (1/2) of the

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warrants issued to NAVIG8.  If NAVIG8  terminates  this Agreement  without cause
before it has performed  substantially  all of its duties as defined above, then
the Company has the right to terminate all of the warrants issued to NAVIG8.

5.  NON-SOLICITATION.

     (a)  Non-Solicitation  of  Employees.  NAVIG8 hereby agrees that during the
Agreement  Period  and for a  period  of  twelve  (12)  months  thereafter  (the
"SURVIVAL  PERIOD"),  NAVIG8 shall not, directly or indirectly through any other
individual,  person or entity,  employ, solicit or induce any individual who is,
or was at any time during the last twelve (12) months of NAVIG8's  engagement by
the Company, an employee of the Company to terminate or refrain from renewing or
extending his or her employment by the Company or to become employed by or enter
into a contractual  relationship with NAVIG8 or any other individual,  person or
entity.

     (b)  Non-Solicitation  of Suppliers,  Vendors or  Investors.  NAVIG8 hereby
agrees that during the  Agreement  Period and the Survival  Period  NAVIG8 shall
not,  directly or  indirectly  through any other  individual,  person or entity,
solicit, persuade or induce any individual, person or entity which is, or at any
time  during the  Agreement  Period was, a supplier of any product or service to
the  Company,  or  vendor  of the  Company  (whether  as a  distributor,  agent,
commission agent,  employee or otherwise),  or any individual,  person or entity
which is, or at any time  during  the  Agreement  Period  was,  an  investor  in
transactions in which the Company was involved, to terminate,  reduce or refrain
from renewing or extending  his, her or its  contractual  or other  relationship
with the Company.

     (c)  Non-Solicitation  of  Customers.  NAVIG8 hereby agrees that during the
Agreement Period and the Non-Competition  Period (as hereinafter defined) NAVIG8
shall not,  directly  or  indirectly  through  any other  individual,  person or
entity, solicit,  persuade or induce any individual,  person or entity which is,
or at any time  during the  Agreement  Period  was, a customer of the Company to
terminate, reduce or refrain from renewing or extending its contractual or other
relationship  with the Company in regard to the purchase of products or services
manufactured,  marketed  or sold by the  Company,  or to become a customer of or
enter  into any  contractual  or other  relationship  with  NAVIG8  or any other
individual,  person or entity in regard to the  purchase of products or services
similar or identical to those manufactured, marketed or sold by the Company.

     6. ONFIDENTIALITY.  NAVIG8 agrees that during the Agreement Period, and for
a period of two (2) years thereafter,  NAVIG8 shall not divulge to anyone, other
than as necessary in the  performance of duties  hereunder or as required by law
or legal process, confidential information of the Company, its affiliates or its
customers,  including,  without limitation,  know-how,  trade secrets,  customer
lists, costs, profits or margin information,  markets,  sales, pricing policies,
operational  methods,  plans for future development,  data,  drawings,  samples,
processes  or products  and other  information  disclosed  to NAVIG8 or known by
NAVIG8 as a result of or through their  engagement by the Company,  which is not
generally  known in the  businesses  in which the  Company is engaged  and which
relates directly or indirectly to the Company's products or services or which is
directly or indirectly  useful in any aspect of the Company's  business.  In the
event the  Company  is bound by a  confidentiality  agreement  with a  customer,
supplier or other party regarding the confidential information of such customer,
supplier or other party,  which provides greater protection than specified above

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in this  Paragraph 6, the  provisions  of such other  confidentiality  agreement
shall be binding upon NAVIG8 and shall not be  superseded  by this  Paragraph 6.
Upon the  termination  of the Agreement  hereunder or at any other time upon the
Company's request,  NAVIG8 shall deliver forthwith to the Company all memoranda,
notes,  records,  reports,  computer  disks and other  documents  (including all
copies thereof) containing such confidential information.

     7. REMEDIES.  NAVIG8  acknowledges  and agrees that the Company's remedy at
law for a breach or threatened  breach of any of the  provisions of Paragraphs 5
or 6 of this Agreement  would be inadequate and, in recognition of that fact, in
the event of a breach or threatened breach by NAVIG8 of any of the provisions of
Paragraphs 5 or 6 of this Agreement, it is agreed that in addition to its remedy
at law,  the  Company  shall  be  entitled,  subject  to the  provisions  of the
Indemnification  Agreement in Exhibit A, to appropriate  equitable relief in the
form of specific  performance,  preliminary or permanent  injunction,  temporary
restraining  order or any other  appropriate  equitable remedy which may then be
available.  Notwithstanding any provision of this Agreement to the contrary,  it
is  expressly  understood  and agreed  that,  although  NAVIG8  and the  Company
consider the  restrictions  contained in Paragraphs 5 or 6 to be reasonable  for
the purpose of preserving the Company's  goodwill and other proprietary  rights,
if a final judicial  determination is made by a court having  jurisdiction  that
the time and scope of the  restrictions in such Paragraphs is an unreasonable or
otherwise  unenforceable  restriction  against  NAVIG8,  the  provisions of such
Paragraphs shall not be rendered void but shall be deemed amended to apply as to
the maximum time and scope  permitted  and to such other extent as the court may
determine to be reasonable.

     8  REPRESENTATION/WARRANTY.  NAVIG8  represents and warrants that it is not
bound by the terms of a confidentiality  agreement or non-competition  agreement
or any other agreement with a former engagement or other third party which would
preclude  it from  accepting  this  engagement  by the  Company  or which  would
preclude NAVIG8 from effectively  performing under this engagement.  The Company
represents and warrants that it has all requisite  corporate power and authority
to consummate  the  transactions  contemplated  by this  Agreement and that this
Agreement  is binding on the  Company  and  enforceable  against  the Company in
accordance with its terms.

     9.  NOTICES.  Any  notices  or other  communications  required  to be given
pursuant to this  Agreement  shall be in writing and shall be deemed given:  (i)
upon delivery,  if by hand;  (ii) after two (2) business days if sent by express
mail or air courier;  (iii) four (4) business days after being mailed (seven (7)
business days for  international  mailings),  if sent by registered or certified
mail, postage prepaid, return receipt requested;  or (iv) upon transmission,  if
sent by  facsimile  (provided  that a  confirmation  copy is sent in the  manner
provided in clause (ii) or clause (iii) of this  Paragraph 10 within  thirty-six
(36) hours  after  such  transmission),  except  that if notice is  received  by
facsimile after 5:00 p.m. on a business day at the place of receipt, it shall be
effective as of the following business day. All  communications  hereunder shall
be delivered to the respective parties at the following addresses:

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         If to the Company:
                  A21
                  Albert Pleus
                  c/o Irwin Rosenthal
                  Warshaw, Burstein, Cohen, Schlesinger & Kuh, LLP
                  555 Fifth Avenue, 11th Floor
                  New York, NY  10017

                  With a copy to:

                  Warshaw, Burstein, Cohen, Schlesinger & Kuh, LLP
                  Attn: Irwin M. Rosenthal
                  555 Fifth Avenue, 11th Floor
                  New York, NY  10017
                  Facsimile: 212.972.9150

         If to NAVIG8:
                  Phil Garfinkle
                  501 Seneca Green Way
                  Great Falls, VA  22066

         With a copy to:
                  Loeb and Loeb, LLP
                  Attn:  Lloyd Rothenberg
                  345 Park Avenue
                  18th Floor
                  New York, NY 10154

or to such  other  address  as the  person  to whom  notice  is  given  may have
previously  furnished to the others in writing in the manner set forth above.

     10.  GOVERNING  LAW/JURISDICTION.  This Agreement  shall be governed by and
construed in accordance with the law of the State of New York, regardless of the
law that might otherwise govern under applicable principles of conflicts of laws
thereof.  The  parties  hereto  hereby  irrevocably  consent  to  the  exclusive
jurisdiction  of the state or federal  courts  sitting in New York in connection
with any controversy or claim arising out of or relating to this  Agreement,  or
the  negotiation or breach  thereof,  and hereby waive any claim or defense that
such forum is inconvenient or otherwise improper.  Each party hereby agrees that
any such court  shall have in  personam  jurisdiction  over it and  consents  to
service of process in any matter authorized by New York law.

     11. SEVERABILITY. Subject to Paragraph 8, whenever possible, each provision
or portion of any  provision  of this  Agreement  shall be  interpreted  in such
manner as to be effective and valid under  applicable  law, but if any provision
or  portion  of any  provision  of this  Agreement  is  found to be  invalid  or
unenforceable   in  any  respect  under  any  applicable  law  or  rule  in  any
jurisdiction, such finding or construction shall not affect the remainder of the
provisions of this Agreement, which shall be given full force and effect without
regard  to  the  invalid  or  unenforceable   provision,  and  such  invalid  or
unenforceable  provision  shall be modified  automatically  to the least  extent
possible in order to render such provision  valid and  enforceable,  but only if
the  provision as so modified  remains  consistent  with the  parties'  original
intent.
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     12. WAIVER OF BREACH.  The waiver by either party hereto of a breach of any
provision of this Agreement by the other party shall not operate or be construed
as a waiver of any subsequent breach.

     13. SUCCESSORS AND ASSIGNS.  This Agreement shall be binding upon and shall
inure  to  the  benefit  of the  parties  hereto  and  their  respective  heirs,
successors,  representatives  and assigns.  This  Agreement is assignable to any
legal successor of the Company or of NAVIG8.

     14.  INDEMNIFICATION.  A21  and  NAVIG8  shall  indemnify  one  another  in
accordance with Exhibit A attached hereto.

     15. ENTIRE AGREEMENT.  This Agreement  constitutes the entire understanding
and  agreement  between  the  Company  and  NAVIG8  with  regard to all  matters
contained herein and  incorporates  and supersedes all prior agreements  between
the  parties  concerning  the  engagement  by the  Company.  There  are no other
agreements, conditions or representations,  oral or written, express or implied,
with regard  thereto.  This Agreement may be amended only in writing,  signed by
both parties.

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                  IN WITNESS  WHEREOF,  the parties have executed this Agreement
as of the date set forth above.

A21, INC.                                          NAVIG8, LLC

By:
   --------------------------                      ------------------------
     Name:                                         Phil Garfinkle
     Title:  CEO                                   CEO

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Exhibit A
                            INDEMNIFICATION AGREEMENT

         A21 agrees that is will  indemnify  and hold  harmless  NAVIG8 from and
against  any and all losses,  claims,  damages,  liabilities,  costs or expenses
(including  reasonable  attorney's fees and accountants'  fees) as incurred,  to
which  NAVIG8 may become  subject  which are (a)  related to or arise out of (i)
actions taken or omitted to be taken  (including any untrue  statements  made or
any statements omitted to be made) by A21 or (ii) actions taken or omitted to be
taken  (including any untrue  statements  made or any  statements  omitted to be
made) by NAVIG8 with A21's consent or in conformity with the instructions of, or
actions  taken or  omitted  to be taken by A21 or (b)  otherwise  related  to or
arising out of NAVIG8'  acting  pursuant to this  Agreement.  A21 also agrees to
reimburse NAVIG8 within 30 days of submission of an invoice with respect thereto
for all  expenses  incurred  (including  fees and  disbursements  of counsel) in
connection  with the  investigation  of or the preparation for or defense of any
pending or threatened formal or informal claim,  action,  investigation or other
proceeding  caused by or arising out of or in  connection  with  NAVIG8'  acting
pursuant to this  Agreement,  whether or not NAVIG8 is a named party thereto and
whether or not any  liability  results  therefrom  A21 will not be  responsible,
however,  for any loss, claim, damage or liability for which  indemnification is
sought solely  pursuant to the first sentence of this paragraph which a court of
competent  Jurisdiction  shall  have  determined  by a  final  judgment  to have
resulted  primarily from willful  misconduct or gross  negligence on the part of
NAVIG8.

         Promptly  after  receipt  by NAVIG8 of notice of any  complaint  or the
commencement  of any action or proceeding in connection  with any matter related
to NAVIG8'  activities  pursuant  to the  Agreement,  NAVIG8  will notify A21 in
writing of such  complaint or of the  commencement  of such action or proceeding
and if A21 so elects or is requested  by NAVIG8,  A21 will assume the defense of
such  action or  proceeding,  including  the  employment  of counsel  reasonable
satisfactory  to NAVIG8 and the  payment of the fees and  disbursements  of such
counsel,  in  which  event  A21  shall  not be  obligated  to pay the  fees  and
disbursements of separate counsel for NAVIG8 in such action. However, failure by
NAVIG8 to so notify A21 of such claim or such commencement shall not relieve the
Company  from any  obligation  hereunder  except to the extent that such failure
shall  result in  prejudice to A21. In the event,  however,  that NAVIG8'  legal
counsel  shall  determine  that  defenses  may be  available  to NAVIG8 that are
different  from or in  addition  to those  available  to A21 or that there is or
could  reasonably  be expected to be a conflict of interest by reason of A21 and
NAVIG8  having  Common  counsel in any action or  proceeding,  or if A21 has not
assumed the defense of any action or proceeding, then NAVIG8 may employ separate
counsel to represent or defend himself in any such action or proceeding in which
NAVIG8 may become  involved or is named as  defendant  and NAVIG8  shall pay the
fees and disbursements, as incurred by such separate counsel."

         The reimbursement,  indemnity and contribution obligations of A21 under
this  Exhibit A shall be in addition to any  liability  which A21 may  otherwise
have and shall be  binding  upon and  inure to the  benefit  of any  successors,
assigns,  heirs and personal  representatives  of NAVIG8.  The provision of this
Exhibit A shall survive the termination and expiration of this Agreement.

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                                                                    EXHIBIT 10.8

               INVESTMENT BANKING AND FINANCIAL ADVISORY AGREEMENT

This Investment  Banking and Financial  Advisory  Agreement (the "Agreement") is
made and entered into as of August 1, 2002, by and among A21, Inc. (OTCBB: ATWO)
having a principal place of business at One Embarcadero  Center,  Suite 500, San
Francisco, CA, 94111 (the "Company"),  and vFinance Investments,  Inc. ("VFIN"),
affiliated  NASD member broker dealer,  having a place of business at 3010 North
Military Trail, Suite 300, Boca Raton, Florida, 33431-6300.

                             ENGAGEMENT OF SERVICES

The Company  hereby  retains  VFIN,  for the purpose of providing to the Company
financial  consulting  services,  investment  banking and management  consulting
services.  VFIN agrees to be retained to provide such  services  pursuant to the
terms and conditions set forth herein.

                                   SECTION ONE
                                STATEMENT OF WORK

VFIN will, on behalf of the Company, perform the following services:

         Financial  Advisory  Services.  VFIN will provide capital market advice
         and  will  work  with  the  Company's  management  in  creating  market
         awareness  of the Company and its stock,  and in the  organization  and
         sponsorship of investor  presentations both on an internal and external
         retail  and  institutional  basis.  VFIN  will  make  a  market  in the
         Company's  stock and will seek to establish  other market makers in the
         Company's stock.  VFIN will seek to increase  liquidity and maintain an
         orderly market in the Company's stock, including assisting the buy-side
         and in  cross-block  trades of the Company's  stock.  VFIN will provide
         advice to the Company  pertaining to stock buyback plans,  stock splits
         or dividends  and other  related plans as they pertain to the Company's
         stock  price  and   liquidity.   At  the  request  of  the   management
         ("Management") of the Company,  VFIN will attend  shareholder and Board
         Meetings to make  presentations.  VFIN will work with management of the
         Company on a  shareholder  communication  program and other  technology
         initiatives to assist in  facilitating  all of these points.  VFIN will
         also make available all corporate  services  group  personnel to assist
         management  and employees in areas such as 144  transactions,  cashless
         option  exercises,  and all  related  services  that an employee of the
         Company may wish to avail themselves of.

         Assessment.  VFIN will  prepare  an  assessment  ("Assessment")  of the
         Company's current business, operations,  strategies and target markets.
         The Assessment will highlight market conditions and other  contributing
         factors  that  would  likely   influence  the   Company's   ability  to
         successfully pursue the current course of business.

         Fairness Opinion.  VFIN will render Fairness Opinion(s) with respect to
         any  potential  transaction(s)  that the Company is  currently or might
         consider contemplating.  Said Fairness Opinion(s) will be organized and
         will  contain  language  standard  to  such  documents.  Such  Fairness
         Opinion(s) will be delivered for a fee to be mutually agreed upon prior
         to commencement of work by VFIN for each specific transaction.

         Information  Memorandum.  VFIN  will  work  with  Management  to become
         educated in the Company's intended business, operations, strategies and
         target markets. VFIN will then, in coordination with Management, assist
         in the preparation of an Informational  Memorandum  ("Memorandum") that
         will  articulate the business  opportunity,  the business and financial
         models and an investment  opportunity.  The Memorandum will reflect the

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         future  business  of  the  Company,   detail  the  Company's  strategic
         position,  and define requirements and terms for potential  funding(s).
         The Memorandum shall describe potential distribution  channels,  market
         potential,  marketing  strategies,  a description of key  technologies,
         organizational structure and financial projections.  Additionally, VFIN
         will  compose  a  PowerPoint   presentation  to  be  used  at  investor
         presentations.

         Mergers/Acquisitions  and  Investments  -  VFIN  will  research  market
         opportunities,  identify potential mergers, acquisitions and investors,
         model the  transactions,  structure the deals, and work with Management
         to close  said  transactions.  VFIN will also work with the  Company to
         provide  various  scenarios  to  maximize   shareholder  value  in  its
         endeavors to joint venture or acquire assets of digital image providers
         and help effectuate such. VFIN will provide a sensitivity  analysis for
         capital raising purposes and stand ready to assist the Company in these
         efforts  subject to mutual  agreement as to valuation  and terms.  VFIN
         will work with the  Company  and their  counsel if asked to skeleton an
         offering  memorandum  and  accompanying  documents  to be used  for the
         purposes of effectuating a retail capital raise when deemed appropriate
         by management of the Company.  In particular,  VFIN will stand ready to
         review  and assist the  Company in one or more  currently  contemplated
         acquisitions  if asked to do so and  review  the  opportunity  to raise
         capital through its retail  investment  banking division in a suggested
         range of $500,000 to $1,000,000 in gross proceeds.

         VFIN will provide in writing the names of parties to whom it intends to
         disclose  proprietary  information  and  they  will be  identified  and
         included as a "VFIN  Party"  under the  Agreement.  For the purposes of
         this Agreement,  a VFIN Party shall be defined as any and all potential
         investors  to be  contacted  by VFIN with prior  consent by the Company
         after the  signing of this  Agreement,  or while this  Agreement  is in
         force.

         In the event the Company,  Management  or its  stockholders  receive an
         inquiry from, or are otherwise in contact with, a party  concerning the
         availability of the Company regarding a Covered Transaction, as defined
         herein  below in  Section  Five,  Company  will  determine  in its sole
         discretion whether to notify and refer such party to VFIN in order that
         VFIN may continue  such  discussions  and that party will be identified
         and  included as a Client VFIN Party.  If VFIN is able to  successfully
         close a transaction as a result of a Company referral, the fees payable
         to VFIN will be reduced by a factor of one-half (1/2).

         In the event Company withholds its written approval authorizing VFIN to
         approach a VFIN  Party,  the  Company  agrees  that  neither it nor its
         agents,  will  discuss  or enter into a Covered  Transaction  with that
         party during the term of this  Agreement,  as defined in Section  Four,
         and for a period  of  twelve  (12)  months  after  the  termination  or
         expiration  of  this   Agreement   unless  said  party  was  previously
         introduced to the Company by a party other then VFIN .

         Each prospect will be qualified and meetings will be set to present the
         Company  to  potential  investors.  VFIN will work with  Management  to
         negotiate and close a Covered Transaction.

IN  PERFORMING  ITS  SERVICES  HEREIN,  VFIN SHALL BE ENTITLED  TO RELY  WITHOUT
INVESTIGATION  UPON ALL  INFORMATION  THAT IS  PROVIDED  BY THE  COMPANY,  WHICH
INFORMATION  THE COMPANY  HEREBY  WARRANTS SHALL BE COMPLETE AND ACCURATE IN ALL
MATERIAL  RESPECTS,  AND NOT  MISLEADING.  VFIN IN NO WAY  GUARANTEES  THAT  THE
COMPANY WILL SUCCESSFULLY RAISE CAPITAL.

                                   SECTION TWO
                                  PLACE OF WORK

It is understood  that VFIN's  services will be rendered both on and off-site of
the Company.  The Company  agrees to provide an office,  reasonable  secretarial
support,  and a reasonable amount of time of key employees while VFIN is on-site
performing the services described in Section One.

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                                  SECTION THREE
                              TIME DEVOTED TO WORK

In the performance of the services  covered by this Agreement,  the services and
the hours VFIN is to work will be entirely within VFIN's control and the Company
will rely upon VFIN to put in such number of hours as is reasonably necessary to
fulfill the spirit and the purpose of this Agreement.

                                  SECTION FOUR
                                    DURATION

The  duration of this  Agreement  (the  "Term")  shall be from August 1, 2002 to
January 31, 2003, provided however, that this Agreement may be terminated at any
time by either Company or VFIN, with cause, upon ten (10) days written notice to
the other and provided, further that this Agreement maybe terminated by Company,
without  cause,  upon  thirty (30) days  written  notice to the other While this
Agreement  is in effect,  VFIN will not take on  additional  clients  within the
digital  image  archiving  space that  might be deemed to create a  conflict  of
interest.   If  this  Agreement   should   terminate  prior  to  the  full  term
contemplated, both parties are free to seek additional clients or representation
without limitations.

                                  SECTION FIVE
                                     PAYMENT

Upon execution of this  Agreement,  the Company will issue VFIN or its designees
Two Hundred Thousand  (200,000)  restricted shares of the Company's common stock
for services provided in the performance of services  articulated in Section One
above.  One  Hundred  Thousand  (100,000)  of  these  shares  shall  be due upon
execution of this  Agreement  and  delivered to VFIN within 10 days of executing
this  Agreement.  Fifty Thousand  Shares (50,000) shall be due 60 days after the
execution of this  Agreement and the balance of Fifty Thousand  Shares  (50,000)
shall be due 120 days  after  execution  of this  agreement.  In  addition,  the
Company will issue VFIN or its designees Two Hundred Thousand (200,000) warrants
to buy the  Company's  common  stock at a price equal to 200% of the closing bid
price (on the OTCBB) on the date which this Agreement is executed,  but not less
than $1.25 per share for the first  warrant to  purchase  One  Hundred  Thousand
(100,000)  shares  of common  stock due upon  execution  of this  Agreement  and
delivered to VFIN within 10 days of executing this Agreement,  and not less than
$1.50 per share for the warrant to purchase Fifty Thousand  (50,000) which shall
be due 60 days after  execution of this  Agreement,  and not less than $1.75 per
share for the balance of warrant to purchase Fifty Thousand (50,000) which shall
be due 120 days after  execution  of this  Agreement.  These  warrants  shall be
5-year warrants and contain customary piggyback registration rights. The Company
also hereby agrees to pay VFIN a one time non-refundable  retainer in the amount
of Ten  Thousand  Dollars  ($10,000),  which will be due upon  execution of this
Agreement and delivered along with this executed Agreement.

For purposes of this Agreement, the term "Covered Transaction(s)" shall mean any
private  placement,  capital  infusion,  equity investment or financing with the
exception of "VFIN Introduced Purchase or Sale Transaction", "Debt Financing" or
"Subordinated Debt Financing" as defined below

For purposes of this Agreement, a "VFIN Introduced Purchase or Sale Transaction"
is any acquisition, sale, merger, consolidation,  joint venture, exchange offer,
sale or license (or any variation thereof) of any part of or all of the business
or property of the Company, or other transaction, including, but not limited to:
the  purchase or sale of stock or other  transaction  resulting in any change of

<PAGE>

control of the  Company,  the  acquisition  of any  shares of its stock,  or the
disposition outside of the ordinary course of business of any of its assets.

For the purpose of this  Agreement,  "Debt  Financing"  shall include:  (i) VFIN
introduced  senior  and  working  capital  lines,  or other  similar  borrowings
normally  undertaken by businesses  in the course of operations  which  includes
notes, bonds, equipment leasing, or debentures not expressly defined as "junior"
or  "subordinated",  (ii)  combination  of  debt  described  in  (i)  above  and
warrants/options,  or (iii)  convertible  "debt,  as described in (i) above,  to
equity" security.

For the purpose of this Agreement, "Subordinated Debt Financing" shall mean VFIN
introduced debt financing junior or subordinated to other debt, i.e.,  repayable
in the case of  liquidation  only after senior debt with a higher claim has been
satisfied.  This type of debt may be but not necessarily  characterized  by such
features as  interest  only  payments  for a  specified  period of time,  equity
participation  through  warrants/options and other instruments,  and convertible
features.

For the  purposes  of this  Agreement,  Total  Consideration  shall  mean and be
computed as the total sale proceeds and other consideration received by Company,
its stockholders,  directed  beneficiaries,  or any newly formed entity owned or
affiliated with or participated in by Company or any of its  shareholders  ("New
Company")  upon  consummation  of the  Covered  Transaction  including,  but not
limited to: cash, securities,  notes, debentures,  purchase options,  royalties,
management,  consulting  and  employment  agreement;  marketing,  licensing  and
revenue  contracts;   agreements   not-to-compete,   including   contingent  and
installment payments; consideration for assets owned by affiliates of Company or
entities  in any  business  relationship  which  are used in or are  potentially
useful in  Company's  business;  the total value of  liabilities  avoided by the
Company or assumed by the acquirer;  the total value of all  liabilities  on the
Company's  balance sheet that are transferred to, or assumed by, the acquirer of
the stock of Company in a stock  transaction  and any other tangible net benefit
to the Company, its shareholders or directed beneficiaries.

If a Covered  Transaction  is  consummated  between the Company and a VFIN Party
during the term of this Agreement, or a period of twelve (12) months thereafter,
Company  shall  pay  VFIN,  or cause  VFIN to be paid,  at the  closing  of such
transaction a fee computed by taking the Total  Consideration  multiplied by ten
percent (10%) plus expenses in the form of a  non-accountable  expense  totaling
three percent (3%).

If a VFIN  Introduced  Purchase or Sale  Transaction is consummated  between the
Company  and a VFIN  Party  during  the term of this  Agreement,  or a period of
twelve (12) months thereafter, Company shall pay VFIN, or cause VFIN to be paid,
at  the  closing  of  such  transaction  a fee  computed  by  taking  the  Total
Consideration  received  at  each  respective  closing  involved  in  such  VFIN
Introduced  Purchase or Sale Transaction  multiplied by a percentage  determined
pursuant to the following schedule:

<PAGE>

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

               TOTAL CONSIDERATION                              FEE
               ------------------------------------------------ --------------

               $0 to $999,999                                   5.0%
               ------------------------------------------------ --------------

               $1,000,000 to $1,999,999                         4.0%
               ------------------------------------------------ --------------

               $2,000,000 to $2,999,999                         3.0%
               ------------------------------------------------ --------------

               $3,000,000 to $3,999,999                         2.0%
               ------------------------------------------------ --------------

               $4,000,000 or greater                            1.0%
               ------------------------------------------------ --------------

An example of the fee due to VFIN  based on the above fee  schedule  would be as
follows on an VFIN  Introduced  Purchase or Sale  Transaction  of  $4,000,000 in
Total Consideration: Fee = ($1,000,000 X 5%) + ($1,000,000 X 4%) +
($1,000,000 X 3%) +  ($1,000,000 X 2%)  = $140,000

In the case of a "Debt Financing" where the source of debt financing,  excluding
subordinated  debt financing,  is originated by VFIN or is from a VFIN Party and
the transaction closes during the Term of this Agreement,  or within twelve (12)
months of any  termination  thereof,  VFIN  shall  receive  upon  closing of the
transaction,  a lump-sum  consulting fee computed by taking the total commitment
multiplied by one point five (1.5%)  percent.  If such Debt Financing is coupled
with equity securities such as warrants,  the value of the equity securities (to
the  extent  same  are  options,  warrants,  or  similar  securities)  shall  be
determined under the Black-Scholes methodology.

In the case of a "Subordinated  Debt Financing" where the source of subordinated
debt financing is originated by VFIN or is from a VFIN Party and the transaction
closes  during the Term of this  Agreement,  or within twelve (12) months of any
termination  thereof,  VFIN shall  receive  upon closing of the  transaction,  a
lump-sum  consulting fee computed by taking the total  commitment  multiplied by
six (6%) percent.  If such  Subordinated  Debt  Financing is coupled with equity
securities such as warrants,  the value of the equity  securities (to the extent
same are options, warrants, or similar securities) shall be determined under the
Black-Scholes methodology.

All fees due to VFIN pursuant to this Agreement are payable pro rata in cash and
stock as received by the Company unless otherwise  mutually agreed to by Company
and VFIN prior to executing a definitive  agreement  for a Covered  Transaction.
All fees are payable to VFIN at the closing date of the subject transaction.  To
the  extent  amounts  are  payable  to  Company  after  the  closing  date  of a
transaction,  Company shall pay VFIN the  applicable  fee  associated  with such
amounts at the time such amounts are actually received by Company.  For example,
if  $7,000,000  is  payable  on the  closing  of  the  Covered  Transaction  and
$3,000,000  is  payable  six (6)  months  thereafter,  Company  shall  pay  VFIN
($7,000,000  X 8.0%) on the day of the  closing of the Covered  Transaction  and
($3,000,000  X 8.0%)  upon its  receipt  of the final  $3,000,000.  Warrant  and
registration  rights as well as the Company's  obligations to compensate VFIN as
described in this  Section Five shall remain in full force and effect  following
the termination of this Agreement.

Company shall grant VFIN customary  piggyback  registration  rights  (subject to
normal  cut-backs)  for the common  stock and the common  stock  underlying  the
warrants  paid,  granted  or  otherwise  issued  pursuant  to  Section 5 of this
Agreement.

These warrants shall be subject to a weighted  average  adjustment in the common
stock  underlying such warrants and the per share exercise price in the event of
any stock splits, stock dividends, recapitalizations or similar events.

<PAGE>

The  Company  will  reimburse  VFIN  for  all  pre-approved   business  expenses
("Expenses") incurred by VFIN in the performance of the work defined herein. All
expenses  in excess of $250 must be  approved  by the Company in advance of VFIN
incurring  said  expenses  in order to  qualify  as  being  reimbursable  by the
Company.  As of the execution of this Agreement,  these Expenses  include 1) all
phone, fax and Internet connection charges; 2) mileage charges at Thirty-Two and
One-Half  Cents  ($.325) per mile;  and 3) all  reasonable  travel  expenses for
Company approved meetings.  Expenses will be billed and paid on a monthly basis,
beginning on September 1, 2002 and on the first of each subsequent month.

                                   SECTION SIX
                         STATUS OF VFIN; INDEMNIFICATION

VFIN is and  shall be an  independent  contractor  and is not and  shall  not be
deemed  or  construed  to be an  employee  of the  Company  by  virtue  of  this
Agreement.  Neither  VFIN nor the  Company  shall  hold  VFIN  out as an  agent,
partner, officer,  director, or other employee of the Company in connection with
this  Agreement  or  the  performance  of  any of  the  duties,  obligations  or
performances  contemplated hereby, and VFIN further  specifically  disclaims any
and all rights to an equity  interest  in or a  partnership  with the Company by
virtue of this Agreement or any of the transactions  contemplated hereby, except
as specifically provided herein. VFIN specifically  acknowledges and agrees that
they shall have no authority to execute any contracts or agreements on behalf of
the Company or any other person that, directly or indirectly through one or more
intermediaries,  controls,  is controlled by or is under common control with the
Company (an  "Affiliate")  and it shall have no authority to bind the Company or
its Affiliates to any  obligation  (contractual  or otherwise).  For purposes of
this  Agreement,  (a) the term "control"  shall mean the  possession,  direct or
indirect,  of the power to direct or cause the direction of the  management  and
policies of a person,  whether  through the  ownership of voting  interests,  by
contract  or  otherwise  and (b) the term  "person"  shall  mean an  individual,
partnership,   corporation,   limited  liability   company,   limited  liability
partnership, trust, joint venture or other entity.

It is hereby  acknowledged and agreed that the Company has not, is not and shall
not be  obligated  to make,  and that it is the sole  responsibility  of VFIN to
make,  in  connection  with any  income  earned  by VFIN from the  Company,  all
periodic  withholding  taxes,  FICA taxes, SECA payments,  Federal  unemployment
taxes (FUTA) and any other Federal or state taxes,  payments or filings required
to be paid, made or maintained.

In the  event  that  VFIN  becomes  involved  in  any  capacity  in any  action,
proceeding or  investigation  in connection  with any matter referred to in this
Agreement not resulting from or relating to VFIN's recklessness,  negligence, or
bad faith,  the Company will reimburse VFIN for legal and other expenses as such
expenses are incurred in connection  therewith.  The Company will also indemnify
and hold harmless VFIN against losses,  claims,  damages or liabilities to which
VFIN may  become  subject in  connection  with any  matter  referred  to in this
Agreement,  except to the extent that any such loss, claim,  damage or liability
results from the recklessness,  negligence,  or bad faith of VFIN performing the
services that are the subject of this  Agreement.  VFIN shall  promptly give the
Company  notice of any matter which VFIN has  determined has given or could give
rise to a right of indemnification under this Agreement, provided that a failure
on the part of VFIN to notify the Company  will not relieve the Company from any
liability  that the Company may have on account of this  indemnity or otherwise,
except to the extent that the Company shall have been  materially  prejudiced by
such.  The  Company  shall be entitled to assume and control the defense of such
claim at its expense and through  counsel of its choice The  provisions  of this
Section 6 shall survive any termination or expiration of this Agreement.

                                  SECTION SEVEN
                               SERVICES FOR OTHERS

VFIN may, subject to the provisions of Section Four, during or subsequent to the
Term,  perform services for any other person or firm without the Company's prior
approval.
<PAGE>

                                  SECTION EIGHT
                                    OWNERSHIP

VFIN  acknowledges that the Company will be free to use all work developed under
this  Agreement for future and continued  usage without any  obligation to remit
any payment to VFIN other than that which is defined in this Agreement.

                                  SECTION NINE
                                  GOVERNING LAW

The laws of the State of Florida shall govern this Agreement. Any controversy or
claim  arising  out  of,  or  relating  to,  this  Agreement,   to  the  making,
performance,  or  interpretation  of it, shall be settled by arbitration in Fort
Lauderdale,  Florida unless otherwise mutually agreed upon by the parties, under
the commercial  arbitration rules of the American  Arbitration  Association then
existing,  and any judgment on the arbitration award may be entered in any court
having  jurisdiction  over the subject matter of the  controversy.  If any legal
action or any arbitration or other  proceeding is brought for the enforcement of
this  Agreement,  or  because  of  an  alleged  dispute,   breach,  default,  or
misrepresentation  in connection  with any of the provisions of this  Agreement,
the  successful  or  prevailing  party or parties  shall be  entitled to recover
reasonable   attorney's  fees  and  other  costs  incurred  in  that  action  or
proceeding, in addition to any other relief to which it or they may be entitled.

The Governing Law provisions shall survive any termination of this Agreement.

                                   SECTION TEN
                                   INTEGRATION

This Agreement  contains the entire  Agreement  among the parties and supersedes
all prior oral and written agreements, understandings, and representations among
the parties. No amendments to this Agreement shall be binding unless executed in
writing by all the parties.

IN WITNESS  WHEREOF,  the parties to this Agreement have duly executed it on the
day and year first above written.

COMPANY
A21, INC.

BY:

--------------------------------------------------------------------
Albert H. Pleus, Chairman                            Date

VFIN
VFINANCE INVESTMENTS, INC.

BY:

--------------------------------------------------------------------
Jonathan C. Rich, Principal                                   Date

<PAGE>

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