Document:

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                                                                   EXHIBIT 10.43

                                   AGREEMENT

   This AGREEMENT (the "Agreement") is made and entered into as of the Effective
Date (as defined on the signature page hereof) by and between APPLIED VOICE
RECOGNITION, INC., d/b/a e-DOCS.net, a Delaware corporation (the "Company"), and
WILSON, LOMBARD & PARTNER, INC. (the "Advisor"), a Utah corporation with offices
in Utah and Florida; the Company and the Advisor being hereinafter collectively
referred to as the "Parties" and generally as a "Party."

                                    RECITALS

   WHEREAS, the Advisor is experienced in the areas of marketing and financial
public relations.

   WHEREAS, the Company desires to retain the Advisor's services and has
requested that the Advisor include the Company within its group of clients.

   WHEREAS, the Advisor is agreeable to such an arrangement, subject to the
following terms and conditions.

   NOW, THEREFORE, in consideration of the Advisor's agreement to render the
hereinafter described services based on the mutual promises and covenants of the
Parties, it is hereby agreed as follows:

                                  ARTICLE ONE
                                   RETENTION

1.1. The Company proposes to establish a second market for trading in Europe of
the Company's shares of common stock, $.001 par value per share (the "Common
Stock").

1.2  Advisor shall act as the Company's advisor regarding marketing and public
relation matters of the Company in Europe, and in connection therewith, Advisor
shall use Advisor's best efforts to assist the Company to take such steps as are
necessary to effectuate a listing of the Company's Common Stock on a stock
exchange in Germany.  In respect of such efforts, Advisor specifically agrees to
provide each of the following services:

     (a)  Cause, at Advisor's sole cost, the Company's Common Stock to be listed
with the "Berliner Freiverkehr" on their stock exchanges in Berlin, Frankfurt,
Munich, Stuttgart, Duesseldorf and Hamburg (collectively, the "Exchange"),
within forty (40) days after the execution of the Agreement (the "Listing
Deadline").

     (b) Assist the Company in informing the public (but not in the U.S.) as to
the existence of the Company and its business.  In addition to the above,
Advisor shall not act as an agent of the Company or bind the Company to any
agreements unless specifically authorized in writing in advance by the Company.

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     (c) Cause, at Advisor's sole cost, an in-depth profile of the Company to be
featured as the first six (6) minute segment in a 30 minute episode of the
television show "SMART BUSINESS" that is shown nationally in Germany on German
television.  The terms and conditions of such feature are detailed in the
Participation Agreement attached hereto as EXHIBIT "A".

1.3.   Disclosure.  The Company will disclose to Advisor all publicly available
information with respect to the Company's contracts, binding agreements,
regulations and patents. The Company will also provide to the Advisor with
copies of such information that the Company would generally include in a public
offering memorandum if the Company were seeking to raise funds in the United
States.

1.4.   Term.

     (a) The term of this Agreement shall commence on the Effective Date and
shall continue for a period of one (1) year after the Effective Date (the
"Contract Period"), unless terminated earlier as set forth below.

     (b) Notwithstanding the terms of Section 1.4(a):  (i) if the Common Stock
is listed on the Exchange prior to the Listing Deadline, then following the
expiration of the Contract Period either Party may terminate this Agreement in
such Party's sole and exclusive discretion upon thirty (30) days written notice
to the other Party, and (ii) if the Common Stock is not listed on the Exchange
prior to the Listing Deadline, then either Party may terminate this Agreement in
such Party's sole and exclusive discretion immediately upon written notice to
the other Party, and Advisor shall refund FIFTEEN THOUSAND DOLLARS (US$15,000)
cash to the Company within five (5) business days after the date of such
termination.

     (c) Either Party may terminate this Agreement prior to the end of the
Contract Period (i) if the other Party breaches any material term or condition
of this Agreement (other than failure to cause the Common Stock to be listed on
the Exchange prior to the Listing Deadline, with respect to which failure the
Parties termination rights are set forth in Section 1.4(b)) and such breach
continues unremedied for a period of thirty (30) days following receipt of
written notice of said breach by the non-breaching Party, or (ii) immediately
upon notice if the other Party (A) ceases to function as a going concern or to
conduct operations in the normal course of business; (B) has a petition or
action filed by or against it under any federal bankruptcy or state insolvency
law which petition or action has not been dismissed or set aside within ninety
(90) days of its filing; or (C) makes an assignment for the benefit of its
creditors.

     (d) Upon the termination or expiration of this Agreement, neither Party
shall have any further rights or obligations hereunder except for the Parties'
respective obligations under any provisions of this Agreement which by their
terms are intended to survive expiration or termination of this Agreement.

                                  ARTICLE TWO
                                 ADVISOR'S FEE

2.1  Payment of Expenses.  In consideration of the expenses to be incurred by
the Advisor in

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connection with a due diligence investigation of the Company and
the Company's business and the preparation of all documents required in
connection with the listing of the Common Stock on the Exchange, the Advisor
shall be entitled to receive the following:

     (a) TWENTY-FIVE THOUSAND DOLLARS (US$25,000) cash payable on the Effective
Date.

     (b) A Warrant to purchase FIVE HUNDRED THOUSAND (500,000) shares of the
Company's Common Stock at a strike price of US$0.35 per share, which Warrant
shall provide, in pertinent part, that (i) TWO HUNDRED FIFTY THOUSAND (250,000)
shares of Common Stock shall vest immediately upon the effectiveness of the
initial listing of the Company's Common Stock on the Exchange; (ii) the
remaining TWO HUNDRED FIFTY THOUSAND (250,000) shares of Common Stock shall vest
immediately upon the one (1) year anniversary of the date of the effectiveness
of the initial listing of the Company's Common Stock on the Exchange; (iii) the
Company shall have the option on April 2, 2001 or at any time thereafter to
cancel the Warrant to the extent of the 250,000 unvested shares of Common Stock
(those shares described in subparagraph (ii) above) if during the first calendar
quarter of 2001 (being from January 1 to March 31) the average daily volume of
shares of Common Stock traded on the Exchange (excluding any shares of Common
Stock traded on any United States based or other stock exchange or market) does
not exceed 200,000 shares; (iv) the Warrant shall automatically expire and be of
no further force or effect on such date that is eighteen (18) months after the
Effective Date.  As of the Effective Date, neither the Warrant nor the shares of
Common Stock to be issued pursuant to the exercise of the Warrant (the "Warrant
Stock"), will have been registered for resale under applicable securities laws
and shall be restricted from being sold, conveyed or otherwise transferred by
Advisor pursuant to (A) the restrictive legends that will be affixed to the
Warrant and on the back of any certificate evidencing such Warrant Stock, and
(B) applicable securities laws.  On or before December 31, 2000, the Company
shall use its best efforts to cause the sale, transfer or assignment of the
Warrant and the Warrant Stock pursuant to the Securities Act of 1933, as
amended, or any similar federal statute, and the rules and regulations
promulgated thereunder, all as the same shall be in effect at the time (the
"1933 Act"), to be registered pursuant to a registration statement filed with
the Securities and Exchange Commission (the "SEC").  Notwithstanding any other
term in this Agreement, the issuance of the Warrant shall be subject to the
Company's shareholders approving an amendment to the Company's Certificate of
Incorporation to increase the number of authorized shares of the Company's
Common Stock, and the Company shall issue the Warrant to Advisor within five (5)
business days following the effective date of the filing of such amendment.

                                 ARTICLE THREE
                         REPRESENTATIONS AND WARRANTIES

     The Company, with respect to matters relating to the Company and its
affiliates, and Advisor, with respect to matters relating to Advisor and its
affiliates, represent and warrant to each other as follows:

3.1  Available Information. The Company hereby represents, warrants and
covenants that it will keep the Advisor fully informed of all material publicly
available plans and developments affecting the Company and that such future
information will be true and will not omit to state a

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material public fact necessary in order to make the statements made, in the
light of the circumstances under which they were made, not misleading.

3.2  Company Compliance with Applicable Law. The Company is in compliance with
all  United States laws, ordinances and regulations applicable to its business,
with the exception of violations of such laws, ordinances and regulations that
would not individually or in the aggregate have a material adverse effect on the
Company or the Advisor.

3.3  Advisor Compliance with Applicable Law.  The Advisor is in compliance with
all United States, local, state, federal, German, Austrian, Swiss, international
and other applicable laws ordinances and regulations applicable to its business,
marketing and listing at the stock exchange for the company with the exception
of violations of such laws ordinances and regulations which would not
individually or in the aggregate have a material adverse effect on the Advisor
or the Company.

3.4  Legal Proceedings.  There is no action, suit or proceeding before or by any
court, arbitrator or governmental agency, body or official, domestic or foreign,
which has been served on the Company or Advisor or their respective affiliates
and is now pending or which, to the knowledge of the Company or Advisor, is
threatened against or materially affects the Company or Advisor or their
respective affiliates which has not been disclosed in writing.  There are not
pending any governmental proceedings to which the Company or Advisor or their
respective affiliates are a party or to which any of their property is subject,
which has not been disclosed in writing.  No judgment, injunction, restraining
order or order of any nature by any court of competent jurisdiction or
regulatory agency has been issued and/or remains in effect relating to any kind
of wrongdoing in connection with a securities transaction involving the Company,
Advisor or their respective affiliates.

3.5  Authority of Advisor.  Advisor has the corporate power to enter into this
Agreement and to carry out the transactions contemplated hereby.  The execution,
delivery and performance of this Agreement by Advisor has been duly and validly
authorized and approved by all necessary corporate action on the part of Advisor
and this Agreement is the legal and binding obligation of Advisor.  The entering
into of this Agreement by Advisor does not, and the consummation by Advisor of
the transactions contemplated hereby will not, violate the provisions of (i) any
applicable laws of the United States, Germany or any other country, state or
jurisdiction in which Advisor does business, (ii) the applicable corporate
document of Advisor and its subsidiaries or any amendments or modifications
thereto, or (iii) any judgment or decree applicable to Advisor or its
subsidiaries.  No default or breach will occur in any material respect by virtue
of the consummation of the transactions contemplated herein under any material
contract, agreement, indenture or other instrument applicable to Advisor or its
subsidiaries.

3.6  Securities Representations and Warranties.  Advisor makes the following
representations and warranties to the Company regarding the Warrant and the
Warrant Stock (the "Company Securities"):

     (a) Advisor has been furnished with and has carefully read each of (i) the
Company' Annual Report on Form 10-K for fiscal year ended December 31, 1999, as
amended; and (ii) the Company' Quarterly Report on Form 10-Q for fiscal quarter
ended June 30, 2000.  In evaluating

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the suitability of an investment in the Company, Advisor has not relied upon any
representations or other information (whether oral or written) from the Company
or of its agents, and no oral or written representations have been made or oral
or written information furnished to Advisor or its advisors, if any, in
connection with the acceptance of the shares of the Company Securities which
were in any way inconsistent with the information set forth in the documents
listed in the first sentence of this Section 3.6(a). The Company has granted to
Advisor and its representatives the opportunity to examine such documents and
ask such questions of the Company as Advisor has deemed necessary, and Advisor
has received satisfactory answers from the Company (or persons acting on the
Company's behalf) concerning the Company and the terms and conditions of the
Company Securities described herein and all other information they have deemed
necessary with making an informed investment decision. The Company will provide
to Advisor copies of all of the Company Quarterly Reports on 10-Q for each
fiscal quarter ended after the Effective Date and prior to the expiration or
termination of this Agreement, together with such additional information as
Advisor may reasonably request from the Company that is readily available to the
Company.

     (b) The Company has made available to Advisor all documents and information
that Advisor has requested relating to an investment in the Company.

     (c) Advisor recognizes that an investment in the Company involves
substantial risks, and Advisor has taken full cognizance of and understands all
of the risk factors related to the acceptance of the Company Securities.

     (d) Advisor has carefully considered and have, to the extent Advisor
believes such discussion necessary, discussed with Advisor's professional legal,
tax and financial advisers the suitability of an investment in the Company for
Advisor's particular tax and financial situation, and Advisor has determined
that the Company Securities are a suitable investment for Advisor.

     (e) All information which Advisor has provided to the Company concerning
Advisor and the financial position of Advisor is correct and complete as the
Effective Date.

     (f) Advisor has such knowledge and experience in financial and business
matters that it is capable of (i) evaluating the merits and risks of an
investment in the Company Securities, and (ii) making an informed investment
decision.

                                  ARTICLE FOUR
               CONFIDENTIALITY, COMPETITION AND NON-CIRCUMVENTION

4.1  Confidentiality.

     (a) "Confidential Information" shall include the financial terms and
conditions of this Agreement, user information and any other business
information of the disclosing Party ("Discloser") which is confidential or
proprietary, including, without limitation, the Company's technology, firmware,
source code, software tools, designs, schematics, plans or any other information
relating to any product or service, work in process, future development,
scientific, engineering, manufacturing, marketing or business plans, or
financial or personnel materials,

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future products, sales, suppliers, employees, investors or business.

     (b) A Party receiving Confidential Information under this Agreement
("Recipient") shall use such Confidential Information of the Discloser only for
limited business purpose described herein.  A Recipient's duty to protect
Confidential information disclosed under this Agreement extends for a period of
two (2) years from the date of each first disclosure of the particular
Confidential Information.  A Recipient shall protect the disclosed Confidential
Information by using the same degree of care, but no less than a reasonable
degree of care, to prevent the dissemination to third parties or publication of
the Confidential Information as the Recipient uses to protect its own
confidential information of a like nature.

4.2  Duty.  This Agreement imposes no obligation upon a Recipient with respect
to Confidential Information which (a) was in the Recipient's possession before
receipt from the Discloser, (b) is or becomes a matter of public knowledge
through no fault of the Recipient, (c) is rightfully received by the Recipient
from a rightfully possessing third party without a duty of confidentiality, (d)
is disclosed by the Discloser to a third party without a duty of confidentiality
on the third party; (e) is required to be disclosed by court order or other
lawful governmental action, but only to the extent so ordered or pursuant to any
applicable securities exchange requirement, and provided that the Recipient
promptly notifies the Discloser so that the Discloser may attempt to obtain a
protective order, or (f) is disclosed by the Recipient with the Discloser's
prior written approval in accordance with said written approval.  Each Discloser
warrants that it has the right to freely make the disclosures under this
Agreement.

4.3  Competition and Non-Circumvention.

     (a) There are no restrictions against competition imposed by this
Agreement, it being understood by the Parties that this is a non-exclusive
agreement.

     (b) Because of the Confidential Information to be obtained by or disclosed
to the Company, as hereinabove set forth, and as a material inducement to the
Parties' entry into this Agreement, the Parties each hereby covenants and agrees
as follows:

          (1) During the term of this Agreement and as long as the other Party
     is not in default herewith, each of the Parties shall not, directly or
     indirectly, solicit business from, divert business from, or attempt to
     convert to other methods of using the same or similar services as provided
     to the other Party by such Party in Germany (with respect to Advisor's
     services), and in the United States, Germany and all other countries of the
     world (with respect to the Company's products and services); and

          (2) During the term of this Agreement, neither Party shall, directly
     or indirectly, solicit for employment or employ any employee of the other
     Party or such other Party's affiliates.

4.4  Acknowledgment of Reasonableness.  Both Parties hereby represent, warrant
and acknowledge that it has carefully read and considered the provisions of this
Article Four and, having done so, agrees that the restrictions set forth herein
are fair and reasonable and are reasonably required for the protection of the
interests of the Advisor, Company, their respective

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shareholders, officers, directors, employees and representatives.

                                 ARTICLE FIVE
                                 MISCELLANEOUS

5.1  Notices.  Any notice or other communication required or permitted by this
Agreement shall be deemed to have been validly delivered (i) five (5) business
days after mailing if the same shall be mailed by registered or certified mail,
postage prepaid, and addressed to the proper Party at its respective address,
(ii) one (1) business day after delivery to a private courier guaranteeing same
day or next day delivery, and addressed to the proper Party at its respective
address, (iii) on the date of facsimile transmission if sent by facsimile to the
proper Party at its respective facsimile number, and if a confirmation copy of
the facsimile transmission is sent by registered or certified mail, postage
prepaid, or by private same day or next day courier, and addressed to the proper
Party at its respective address, and (iv) on the date of email transmission if
sent by email to the proper Party at its respective email address, and if a
confirmation copy of the email transmission is sent by facsimile to the proper
Party at its respective facsimile number and by registered or certified mail,
postage prepaid, or by private same day or next day courier, and addressed to
the proper Party at its respective address.  Any notice or other communication
received at the addressee's location after 5:00 p.m. shall be deemed to have
been received at 9:00 a.m. on the next business day at the addressee's location.

     With respect to Advisor, all notices shall be addressed to:

          Wilson, Lombard & Partner, Inc.
          110 East Atlantic Ave.
          Suite 235
          Delray Beach, FL 33444
          Tel.:  (561) 276 4763
          Fax:  (561) 278 2918
          Email:  khk@itl-com.com

     With respect to the Company, all notices shall be addressed to:

          Applied Voice Recognition, Inc.
          1770 St. James Place, Suite 116
          Houston, Texas  77056
          Attention:  Chief Executive Officer
          Tel.:  (713) 621-3131
          Fax:  (713) 621-9027
          Email:  jgs@e-DOCS.com

Either Party may change the address at which it desires to receive notice upon
ten (10) day's written notice of such change to the other Party.

5.2  Amendment.  No modification, waiver or change of this Agreement shall be
valid unless the same is in writing and signed by both Parties.

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5.3  Merger.  This Agreement shall bind and inure to the benefit of the Parties
hereto and their successors and assigns. This document and the Warrant to be
issued hereunder contain the entire agreement between the Parties with respect
to the subject matter hereto.  There are no understandings, representations or
warranties except as expressly set forth herein and in the Warrant.

5.4  Survival. The representations, warranties and covenants of the Parties
contained herein shall survive the execution hereof and shall be effective
regardless of any investigation that may have been made or may be made by or on
behalf of any Party.

5.5  Severability. The invalidity or unenforceability of any provision of this
Agreement shall not affect the validity or enforceability of any other
provision, the remaining provisions being deemed to continue in full force and
effect.

5.6  Governing Law and Venue. The interpretation and construction of this
Agreement, and all matters relating thereto, shall be governed by the laws of
the State of Texas without regard to Texas' "conflict of law" rules.  The
Parties acknowledge that this Agreement is to be at least partially performed in
Harris County, Texas, and, therefore, subject to the terms of Section 5.7 any
judicial proceeding brought to enforce this Agreement, or any matter related
thereto, shall be brought in the appropriate courts for Harris County, Texas, or
the appropriate United States District Court located in Harris County, Texas.
By execution of this Agreement, each Party accepts and agrees to the exclusive
jurisdiction of the aforesaid courts and irrevocably agrees to be bound by any
judgment rendered thereby in connection with this Agreement.

5.7  Enforcement/Disputes Subject to Arbitration.

     (a) Claims Covered.  The Company and the Advisor mutually consent to the
resolution by arbitration of all claims or controversies ("Claims"), that the
Company may have against the Advisor or against its officers, directors,
employees, or agents, in their capacity as such or otherwise, or that the
Advisor may have against the Company or against its officers, directors,
employees, or agents, in their capacity as such or otherwise.  The Claims
covered by this Section 5.7 include, but are not limited to, claims for
violation of any federal, state or other governmental law, statute, regulations,
or ordinance, except Claims excluded in Section 5.7(b).

     (b) Claims Not Covered.  Claims the Parties may have against the other for
injunctive relief for unfair competition and/or the use and/or unauthorized
disclosure of trade secrets or confidential information, are not subject to this
Section 5.7, and both Parties understand and agree that the other Party may seek
and obtain relief from a court of competent jurisdiction.

     (c) Required Notice of all Claims and Statue of Limitations.  The Company
and the Advisor agree that the aggrieved Party must give written notice of any
Claims to the other Party within one hundred eighty (180) days of the occurrence
giving rise to the Claim (each, a "Claim Notice"), and file any arbitration or
suit within one (1) year; otherwise, the Claim shall be void and deemed waived
even if there is a federal or state statute of limitations which would have
given more time to pursue the Claim.  The written notice shall identify and
describe the nature of all Claims asserted and the facts upon which such Claims
are based.

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     (d) Representation.  Any Party may be represented by an attorney or other
representative selected by such Party.

     (e) Discovery.  Each Party shall have the right to take the deposition of
one (1) individual and any expert witness designated by the another Party.  Each
Party also shall have the right to make requests for production of up to twenty
(20) categories of documents to any Party.  Additionally, each Party shall have
the right to serve not more than ten (10) interrogatories (including all
subparts) to any Party.  The subpoena right specified below shall be applicable
to discovery pursuant to this Section 5.7(e).  Additional discovery may be had
only where the Arbitrator selected pursuant to this Agreement so orders, upon a
showing of substantial need.

     (f) Mediation.  If the Parties are not able to resolve the Claim within
five (5) days after any party receives a Claim Notice, then, within five (5)
days immediately after the expiration of the aforesaid five (5)-day period, the
Parties shall attempt to agree upon an independent mediator.  If the Parties are
unable to reach an agreement upon an independent mediator within such second
five (5)-day period, then any Party shall be entitled to request that the
Judicial Arbitration & Mediation Service, Inc. ("JAMS") (or similar mediation
service of a similar national scope if JAMS no longer then exists) appoint an
independent mediator who shall serve as mediator for all purposes hereof.  The
Parties agree that they shall each pay one-half (1/2) of the mediator's
services.  The cost of the mediator's services shall be paid in advance upon
request by the mediator or any other Party.  Within ten (10) days after
selection of the mediator, the mediator shall call for and set a meeting among
the Parties and the mediator for the purpose of mediating the Claim.  If the
Parties are unable to resolve the Claim within thirty (30) days after the Claim
Notice (the "Mediation Period"), the Claim shall be decided by arbitration, if
such a demand is timely filed.

     (h) Arbitration Procedures.  The Company and the Advisor agree that, except
as provided in this Agreement, any arbitration shall be in accordance with the
then-current Commercial Arbitration Rules of JAMS before an arbitrator who is
licensed to practice law in the State of Texas (the "Arbitrator").  The
arbitration shall take place in Houston, Texas.

          (1) The Arbitrator shall be selected as follows:   JAMS shall give
     each Party a list of five (5) arbitrators drawn from its panel of
     commercial arbitrators.  Each Party may strike all names on the list it
     deems unacceptable.  If only one common name remains on the lists of all
     Parties, that individual shall be designated as the Arbitrator.  If more
     than one common name remains on the lists of all Parties, the Parties shall
     strike names alternately until only one remains.  The Party who did not
     initiate the Claim shall strike first.  If no common name remains on the
     lists of all Parties, JAMS shall furnish an additional list or lists until
     an Arbitrator is selected.

          (2) The Arbitrator shall apply the substantive law (and the law of
     remedies, if applicable) of the State of Texas, or federal law, or both, as
     applicable to the Claim(s) asserted.  The Texas Rules of Evidence shall
     apply.  The Arbitrator, and not any federal, state, or local court or
     agency, shall have exclusive authority to resolve any dispute relating to
     the interpretation, applicability, enforceability, or formation of this
     Agreement, including but not limited to any Claim that all or any part of
     this Agreement is void or voidable.  The arbitration shall be final and
     binding upon the Parties, except as provided

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     in this Agreement.

          (3) The Arbitrator shall have jurisdiction to hear and rule on pre-
     hearing disputes and is authorized to hold pre-hearing conferences by
     telephone or in person as the Arbitrator deems necessary.  The Arbitrator
     shall have the authority to entertain a motion to dismiss and/or a motion
     for summary judgment by any Party and shall apply the standards governing
     such motions under the Texas Rules of Civil Procedure.

          (4) At least thirty (30) days before the final arbitration hearing,
     the Parties must exchange lists of witnesses, including any expert, and
     copies of all exhibits intended to be used at the arbitration.

          (5) Each Party shall have the right to subpoena witnesses and
     documents for arbitration, including service of document subpoena during
     discovery.

          (6) Either Party, at its expense, may arrange for and pay the cost of
     a court reporter to provide a stenographic record of proceedings.

          (7) Either Party, upon request at the close of any hearing, shall be
     given leave to file a post-hearing brief.  The time for filing such a brief
     shall be set by the Arbitrator.

          (8) Either Party may bring an action in a court as provided in Section
     5.6 to compel arbitration under this Agreement and to enforce an
     arbitration award.  Except as otherwise provided in this Agreement, both
     the Company and the Advisor agree that neither shall initiate or prosecute
     any lawsuit or administrative action (other than as required by applicable
     law) in any way related to any Claim covered by this Agreement.

          (9) The Arbitrator shall render an award and opinion in the form
     typically rendered in arbitrations.

     (i) Arbitration Fees and Costs.  The Company and the Advisor shall equally
share the fees and costs of the Arbitrator.  Each Party will deposit funds or
post other appropriate security for its share of the Arbitrator's fee, in an
amount and manner determined by the Arbitrator, 10 days before the first day of
hearing.  However, the prevailing Party shall be entitled to recover from the
non-prevailing Party in accordance with Section 5.8 of this Agreement, and the
Arbitrator may award such fees.

     (j) No Appeal.  The Parties intend any decision of the Arbitrator to be
binding absent fraud or corruption of the Arbitrator.  As such, any award of the
Arbitrator may only be appealed in the circumstance of fraud or corruption in
the arbitration proceeding.

     (k) Interstate Commerce.  The Advisor understands and agrees that the
Company is engaged in transactions involving interstate commerce and that the
Advisor's services involve such commerce.

     (l) Requirements for Modification or Revocation.  The agreement to
arbitrate set forth in this Section 5.7 shall survive the termination or
expiration of the term of this Agreement.

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Such agreement to arbitrate can only be revoked or modified by a writing signed
by the Parties which specifically states an intent to revoke or modify such
agreement to arbitrate.

5.8  Litigation. In the event either Party brings an action or suit to enforce
or interpret this Agreement or for damages on account of the breach of a
covenant or representation or warranty contained herein, the prevailing Party
shall be entitled to recover from the other Party its reasonable attorneys' fees
and costs (including costs of arbitration) incurred in any such action, in
addition to other relief to which the prevailing Party is entitled.

5.9  Indemnification.

     (a) The Company (as the "Indemnifying Party") agrees to indemnify and hold
harmless Advisor and each person that controls Advisor within the meaning of
Section 15 of the 1933 Act or Section 20 of the Securities Exchange Act of 1934,
as amended (the "Exchange Act"), and the respective agents, employees,
attorneys, officers and directors of each of the foregoing (individually, an
"Indemnified Party" and collectively, the "Indemnified Parties") from and
against any and all losses, claims, damages, judgments, liabilities and expenses
(including the reasonable fees and expenses of counsel and other expenses in
connection with investigating, defending, preparing to defend or testify with
respect to or settling any such action or claim) as they are incurred arising
out of or based upon any untrue statement or alleged untrue statement of a
material fact relating to the Company contained in any offering documents or
arising out of or based upon any omission or alleged omission to state therein a
material fact relating to the Company required to be stated therein or necessary
to make the statements therein not misleading or otherwise arising out of or
based upon the listing of the Common Stock on the Exchange, except the
Indemnifying Party shall not be liable to an Indemnified Party under the
indemnity agreement in this Section 5.9(a) with respect to any such loss, claim,
damage, judgment, liability or expense to the extent either (i) it results from
or is attributable to the negligence, misrepresentations, unauthorized
representations or other misconduct of Advisor; (ii) the Advisor did not get the
Company's prior written approval with respect to the use of sales brochures,
sales contracts, sales literature, promotional materials or other verbal or
written representations, warranties, discussions or descriptions of the Company
used in connection with the sale of the Common Stock; or (iii) it results from
or is attributable to the Advisor's failure to abide by German law or any other
applicable.

     (b) Advisor (as the "Indemnifying Party") agrees to indemnify and hold
harmless the Company and each person that controls the Company within the
meaning of Section 15 of the 1933 Act or Section 20 of the Exchange Act and the
respective agents, employees, attorneys, officers and directors of each of the
foregoing (individually, an "Indemnified Party" and collectively, the
"Indemnified Parties") from and against any and all losses, claims, damages,
judgments, liabilities and expenses (including the reasonable fees and expenses
of counsel and other expenses in connection with investigating, defending,
preparing to defend or testify with respect to or settling any such action or
claim) as they are incurred to the extent either (i) it results from or is
attributable to the negligence, misrepresentations, unauthorized representations
or other misconduct of Advisor; (ii) the Advisor did not get the Company's prior
written approval with respect to the use of sales brochures, sales contracts,
sales literature, promotional materials or other verbal or written
representations, warranties, discussions or descriptions of the Company used in
connection with the sale of the Common Stock; or (iii) it results from or is

                                       11
<PAGE>

attributable to the Advisor's failure to abide by German law or any other
applicable law.

     (c) If any action or proceeding (including any governmental or regulatory
investigation or proceeding) shall be brought or asserted against or shall
relate to any Indemnified Party with respect to which indemnity may be sought
against the Indemnifying Party pursuant to this Section 5.9, such Indemnified
Party shall promptly notify the Indemnifying Party in writing and the
Indemnifying Party shall have the right to assume the defense thereof, including
the employment of counsel reasonably satisfactory to such Indemnified Party and
payment in advance of all fees and expenses; provided that the omission so to
notify the Indemnifying Party shall not relieve the Indemnifying Party from any
liability that it may have to any Indemnified Party (except to the extent that
the Indemnifying Party is actually prejudiced or otherwise forfeits substantive
rights or defenses by reason of such failure).  An Indemnified Party shall have
the right to employ separate counsel in any such action or proceeding and to
participate in the defense thereof, but the fees and expenses of such counsel
shall be at the expense of such Indemnified Party unless (i) the employment of
such counsel has been specifically authorized in writing by the Indemnifying
Party, which authorization shall not be unreasonably withheld, (ii) the
Indemnifying Party has failed promptly to assume the defense and employ counsel
reasonably satisfactory to the Indemnified Party, or (iii) the named parties to
any such action or proceeding (including any impleaded parties) include both the
Indemnified Party and the Indemnifying Party and such Indemnified Party shall
have been advised in writing by counsel that there may be one or more legal
defenses available to it that are different from or additional to those
available to the Indemnifying Party (in which case the Indemnifying Party shall
not have the right to assume the defense of such action on behalf of such
Indemnified Party).  It is understood that the Indemnifying Party shall not, in
connection with any one such action or separate but substantially similar or
related actions in the same jurisdiction arising out of the same general
allegations or circumstances, be liable for the fees and expenses of more than
one separate firm of attorneys (in addition to any local counsel) at any time
for such Indemnified Parties, which firm shall be designated in writing by such
Party, and that all such fees and expenses shall be reimbursed as they are
incurred.

     (d) The Indemnifying Party shall not be liable for any settlement of any
such action effected without the written consent of the Indemnifying Party, but
if settled with the written consent of the Indemnifying Party, or if there is a
final judgment with respect thereto, the Indemnifying Party agrees to indemnify
and hold harmless each Indemnified Party from and against any loss or liability
by reason of such settlement or judgment.  The Indemnifying Party shall not,
without the prior written consent of each Indemnified Party affected thereby,
effect any settlement of any pending or threatened proceeding in which such
Indemnified Party has sought indemnity hereunder, unless such settlement
includes an unconditional release of such Indemnified Party from all liability
arising cut of such action, claim, litigation or proceeding, and such settlement
does not require such Indemnified Party to admit to any fault.

5.10 Assignment.  Advisor shall not be entitled to transfer or assign this
Agreement in whole or in part, whether voluntary or involuntary, by operation of
law or otherwise, without Company's prior written consent.

5.11 Titles and Headings.  Titles and headings in this Agreement are for
convenience of reference only and shall not affect the construction of any
provisions of this Agreement.

                                       12
<PAGE>

5.12 Pronouns.  All pronouns and any variations thereof shall be deemed to refer
to the masculine, feminine or neuter, singular or plural, as the identity of the
Parties may require.

5.13 Further Actions. The Company and Advisor agree to execute such additional
documents and take such further actions as may reasonably be required to carry
out each of the provisions and the intent of this Agreement.

5.14 Status. The Parties are and shall be independent contractors to one
another, and nothing herein shall be deemed to cause this Agreement to create an
agency, partnership, or joint venture between the Parties.  Nothing in this
Agreement shall be interpreted or construed as creating or establishing the
relationship of the Company and employee between the Parties hereto.

5.15 Counterparts.  This Agreement may be executed in any number of duplicate
originals or counterparts, each of which shall be of equal force and effect.

5.16 Signing.  Each person who signs this Agreement warrants that he/she does so
with the full and legal authority to execute this Agreement on behalf of the
respective Parties of this Agreement

5.17 Construction.  This Agreement shall not be construed against the Party
preparing it, and shall be construed without regard to the identity of the
person who drafted it or the Party who caused it to be drafted and shall be
construed as if all Parties had jointly prepared this Agreement and it shall be
deemed their joint work product, and each and every provision of this Agreement
shall be construed as though all the Parties hereto participated equally in the
drafting hereof; and any uncertainty or ambiguity shall not be interpreted
against any one Party.  As a result of the foregoing, any rule of construction
that a document is to be construed against the drafting Party shall not be
applicable.

5.18 Publicity and Disclosures.  No press releases or any public disclosures,
whether written or oral, of the transactions contemplated by this Agreement
shall be made without the prior knowledge and written consent of the Company,
except for marketing purpose and other necessary releases.

                    [REST OF PAGE INTENTIONALLY LEFT BLANK]

                                       13
<PAGE>

     IN WITNESS WHEREOF, the Parties have executed this Agreement effective as
of the ____ day of October 2000 (the "Effective Date").

                              COMPANY:

                              APPLIED VOICE RECOGNITION, INC., d/b/a
                              e-DOCS.net

                              By:________________________________________
                                  James G. Springfield, President and CEO

                              ADVISOR:

                              WILSON, LOMBARD & PARTNER, INC.

                              By:________________________________________
                                  Karl H. Kotowski, President

                               Signature Page to
                                   Agreement

                                       14<PAGE>

                                                                   EXHIBIT 10.44

                                    FINMAP
                                  CORPORATION

<TABLE>
<CAPTION>
<S>                                    <C>                                         <C>
19 South La Salle Street - 15th Fl.                                                700 West Hillsboro Boulevard
Chicago, Illinois 60603                FINANCIAL MARKET ACCESS PROGRAMS            Building 3, Suite 101
Tel.  (312) 251-1783                                                               Deerfield Beach, Florida 33441
Fax   (312) 251-1786                                                               Tel.  (954) 418-8601
                                                                                   Fax  (954) 418-8756
</TABLE>

October ___, 2000

Mr. James Springfield
President and Chief Executive Officer
Applied Voice Recognition, Inc.
1770 St. James Place, Suite 116
Houston, Texas   77056

Dear Mr. Springfield:

This letter will serve as an agreement (the "Agreement") between Applied Voice
Recognition, Inc. d/b/a e-DOCS.net (the "Company"), and FinMap Corporation
("FinMap") with respect to the retention of FinMap to (i) implement a market
exposure program described in Section 2, and (ii) provide the financial public
relations services described in Section 1, on behalf of the Company pursuant to
the terms of this Agreement.

1.0  FINANCIAL PUBLIC RELATIONS

1.1  FinMap will develop and implement a comprehensive financial public
     relations and shareholder relations program for the Company to provide
     increased awareness among the brokerage community, institutional investors
     and the investing public of the Company and its business and potential.

1.2  All materials relating to the Company utilized by FinMap will be submitted
     to the Company for the Company's review and written approval prior to the
     use of such materials by FinMap, and no such materials shall be released or
     otherwise distributed to any party until after the Company provides FinMap
     with written notice of the effectiveness of the Company's presently
     proposed Form SB-2 Registration Statement.

1.3  Phase I - Development (all of which steps may be completed prior to the
     effectiveness of the Company's presently proposed Form SB-2 Registration
     Statement):
           a)  Prepare an informational package that piques the interest of
               investors, brokers and portfolio managers.
           b)  Write a multi-purpose corporate profile that tells the Company's
               story and defines the scope of the Company's business.
<PAGE>

           c)  Develop a list of investors, analysts, brokers, market-makers and
               portfolio managers that may have an interest in (i) the Company's
               business, and (ii) the potential for significant capital
               appreciation.

1.4  Phase II - Implementation (none of which steps may be completed until after
     the Company provides FinMap with written notice of the effectiveness of the
     Company's presently proposed Form SB-2 Registration Statement):

           a)  Broadly disseminate all relevant news regarding the company
               through the media, direct mail and the Internet.
           b)  Attempt to place general interest articles on the Company's
               business and/or interviews with the Company's senior management
               in the media.
           c)  Arrange meetings for the Company's senior management with
               brokerage firms, analysts and institutional fund managers.
           d)  Assist management in the writing of news releases as well as
               quarterly and annual reports.
           e)  Initiate a pro-active investor relations function entailing
               telephone contact, email and written material to provide an
               ongoing stream of communications from the Company existing
               shareholders in an effort to retain existing shareholders while
               developing buying interest from new investors.
           f)  Provide ongoing counsel and feedback to the Company's management
               regarding all aspects of the Company's image and the investment
               community's attitude toward the Company.

2.0  MARKET EXPOSURE PROGRAM

2.1  At such time as shall be mutually determined by FinMap and the Company to
     be most advantageous for the Company (but in any event after the Company
     provides FinMap with written notice of the effectiveness of the Company's
     presently proposed Form SB-2 Registration Statement), FinMap will initiate
     a three-phase market exposure program (the "Market Exposure Program")
     designed to generate interest in the Company and the Company's business,
     products and services, and to drive traffic to the Company's web site.  All
     three phases of the Market Exposure Program will be conducted
     simultaneously, but the commencement of  each phase shall be subject to the
     Company's prior written approval.  The three phases of the Market Exposure
     Program will consist of the following components:

           a)  FinMap Internet email program (which program consists of FinMap
               transmitting information and materials about the Company and the
               Company's business on two (2) separate occasions to at least
               12,500,000 separate and distinct email addresses, such
               information, materials and dates of transmission being subject to
               the Company's prior written approval).
           b)  Two months of Company exposure on the American Scene Radio money
               talk show.
           c)  Three months of exposure on w3otc.com, a popular site for
               information on small-cap companies.

                                       2
<PAGE>

3.0  RETENTION OF FINMAP

3.1  The Company hereby retains FinMap for an initial term of six (6) months to
     perform the services set forth in Sections 1 and 2 above. This Agreement is
     non-cancelable during the initial term of six (6) months, except as
     provided in Section 3.2, and may be extended on a month-to-month basis as
     may be mutually agreed by the parties hereto. Absent the parties' mutual
     agreement to extend the initial term or any extension term of this
     Agreement, this Agreement will automatically terminate at the end of the
     last day of the then applicable term. Upon the termination or expiration of
     this Agreement, neither party shall have any further rights or obligations
     hereunder except for the parties' respective obligations under any
     provisions of this Agreement which by their terms are intended to survive
     expiration or termination of this Agreement.

3.2  Either the Company or FinMap may terminate this Agreement prior to the end
     of the initial term (i) if the other party breaches any material term or
     condition of this Agreement and such breach continues unremedied for a
     period of thirty (30) days following receipt of written notice of said
     breach by the non-breaching party, or (ii) immediately upon notice if the
     other party (A) ceases to function as a going concern or to conduct
     operations in the normal course of business; (B) has a petition or action
     filed by or against it under any federal bankruptcy or state insolvency law
     which petition or action has not been dismissed or set aside within ninety
     (90) days of its filing; or (C) makes an assignment for the benefit of its
     creditors.

3.3  On its execution of this Agreement, the Company shall pay to FinMap an
     initial retainer of $2,500 for the first month, plus a one-time set-up and
     documentation revue fee in the amount of $2,500. Additionally, the Company
     will pay to FinMap additional monthly retainers in arrears of $2,500 for
     each month after the first month, the first of which shall be payable
     thirty (60) days following the execution of this Agreement with remaining
     installments due on the same day of each succeeding month.

3.4  At the time that the Company elects to initiate the Market Exposure
     Program, the Company shall pay to FinMap additional retainers for each
     element of the Market Exposure Program as follows:

           a)  $25,000 with respect to the initiation of the FinMap email
               program described in Section 2.1 a), which amount shall cover
               both email transmissions but shall be payable to FinMap in
               connection with the initial email transmission;
           b)  $12,000 with respect to the initiation of the American Scene
               Radio Show exposure; and
           c)  $1,000 with respect to the w3otc.com web site exposure.

3.5  In addition to the retainer fees set forth above, the Company shall grant
     to FinMap warrants (the "Warrant") to purchase 400,000 shares of the
     Company's unregistered common stock at an exercise price of $0.35 per share
     and which Warrant and shares of common stock to be issued pursuant to the
     exercise of the Warrant (the "Warrant Stock") will bear an appropriate
     "Rule-144" legend. The Warrant will expire six (6) months after the
     Effective Date (as defined below under the Company's signature block) and
     the Warrant will be exercisable immediately upon the issuance of the
     Warrant in whole or in part. As of the Effective Date, neither the Warrant
     nor the Warrant Stock, will have been registered for resale under
     applicable securities laws and shall be restricted from being sold,

                                       3
<PAGE>

     conveyed or otherwise transferred by Advisor pursuant to (A) the
     restrictive legends that will be affixed to the Warrant and on the back of
     any certificate evidencing such Warrant Stock, and (B) applicable
     securities laws. Notwithstanding any other term in this Agreement, the
     issuance of the Warrant shall be subject to the Company's shareholders
     approving an amendment to the Company's Certificate of Incorporation to
     increase the number of authorized shares of the Company's Common Stock, and
     the Company shall issue the Warrant to FinMap within five (5) business days
     following the effective date of the filing of such amendment.

3.6  If at any time following the issuance of the Warrant the Company files a
     Registration Statement pursuant to the Securities Act of 1933, as amended,
     or any similar federal statute, and the rules and regulations promulgated
     thereunder, all as the same shall be in effect at the time (the "1933
     Act"), to be registered pursuant to a registration statement filed with the
     Securities and Exchange Commission (the "SEC"), then the Company shall use
     its best efforts to include in such Registration Statement, at no cost to
     FinMap, the Warrant Stock.

3.7  In addition to the payment of the retainer fees, the Company shall also
     reimburse FinMap for all direct out-of-pocket expenses incurred on behalf
     of the Company, which shall include, but not be limited to, travel-related,
     duplicating, printing and courier expenses, provided that any item of
     expense exceeding $250, and any aggregate expenses exceeding $500 during
     any calendar month shall have been approved in writing by the Company prior
     to being incurred.

4.0  NO AGENCY

4.1  FinMap understands and acknowledges that this letter shall not create or
     imply any agency agreement between the parties, and FinMap shall not, nor
     shall FinMap have the right to, commit the Company, its officers, directors
     or shareholders in any manner except as shall have been specifically
     authorized in writing by the Company.

5.0  INDEMNIFICATION

5.1  In connection with the services which FinMap has agreed to render to the
     Company hereunder, the Company shall indemnify, defend and hold harmless
     FinMap, its officers, directors, agents and employees against any losses,
     claims, damages or liabilities to which FinMap may become subject in
     connection with their rendering of such services except for losses, claims,
     damages or liabilities resulting from or attributable to (i) the
     negligence, misrepresentations, unauthorized representations or other
     misconduct of FinMap; (ii) FinMap's failure to obtain the Company's prior
     written approval with respect to the use of sales brochures, sales
     contracts, sales literature, promotional materials or other verbal or
     written representations, warranties, discussions or descriptions of the
     Company used in connection with the promotion of the Company or the
     Company's business; or (iii) FinMap's failure to abide by any applicable
     laws, rules or regulations, including, without limitation, applicable
     federal or state securities laws.

5.2  FinMap agrees to indemnify, defend and hold harmless the Company, its
     officers, directors, agents and employees from and against any losses,
     claims, damages, expenses (including reasonable counsel fees) or
     liabilities resulting from or attributable to (i) the negligence,
     misrepresentations, unauthorized representations or other misconduct of
     FinMap; (ii) FinMap's failure to obtain the

                                       4
<PAGE>

     Company's prior written approval with respect to the use of sales
     brochures, sales contracts, sales literature, promotional materials or
     other verbal or written representations, warranties, discussions or
     descriptions of the Company used in connection with the promotion of the
     Company or the Company's business; or (iii) FinMap's failure to abide by
     any applicable laws, rules or regulations, including, without limitation,
     applicable federal or state securities laws.

5.3  The party hereunder seeking indemnity (the "Indemnified Party") will
     promptly notify the other party hereunder (the "Indemnifying Party") upon
     the Indemnified Party's receipt of any notices of claim or any threat to
     institute an action or proceeding for which the Indemnified Party or any
     other person claims entitlement to indemnification pursuant to this Section
     5 and will promptly notify the Indemnifying Party after any such proceeding
     is commenced.  In the event the Indemnified Party becomes involved in any
     action or proceeding for which it is indemnified hereunder and the
     Indemnifying Party neglects to defend in good faith any such action on
     behalf of the Indemnified Party, then the Indemnified Party shall be
     entitled to retain separate counsel of its choice and the Indemnifying
     Party shall reimburse the Indemnified Party for any legal or other expenses
     reasonably incurred by the Indemnified Party in connection with
     investigating, preparing to defend or defending any lawsuits or other
     proceedings arising in any manner out of or in connection with the
     rendering of such services.  The Indemnifying Party agrees that the
     indemnification and reimbursement commitment set forth in this Agreement
     shall apply whether or not the Indemnified Party is a formal party to any
     such lawsuits or other proceedings.

5.4  The indemnity agreement contained in this Section 5 and the representations
     and warranties of the parties hereto contained in this Agreement shall
     remain operative and in full force and effect regardless of (i) any
     termination of this Agreement or (ii) any investigation made by FinMap or
     on behalf of FinMap, or by the Company or on behalf of the Company, its
     officers or directors or any other person controlling the Company.

6.0  MODIFICATION/SEVERABILITY

6.1  The Agreement is the entire agreement between the parties which may not be
     amended or modified except in writing, and shall be binding upon and inure
     to the benefit of the parties and their successors and assigns.  If any
     provision of this Agreement, or part thereof, shall be held to be invalid
     or unenforceable, it shall not affect the validity or enforceability of the
     remaining part or any other provision.

7.0  HEADINGS

7.1  Headings are for convenience only and shall not affect the interpretation
     or meaning of the context thereunder.

8.0  REPRESENTATIONS OF THE PARTIES

8.1  By execution of this Agreement, the Company represents and warrants to
FinMap and FinMap shall be entitled to rely fully upon such representations,
that:
           a)  The Company has full and complete corporate authority to enter
               into this Agreement.

                                       5
<PAGE>

           b)  That the officer executing this Agreement on behalf of the
               Company is duly empowered to so execute and, as of the Effective
               Date, holds in good standing the office indicated.
           c)  That the Company intends to be legally bound by the terms set
               forth herein.
           d)  The Company is in compliance with all United States, local,
               state, federal, international and other applicable laws,
               ordinances and regulations applicable to its business, with the
               exception of violations of such laws, ordinances and regulations
               that would not individually or in the aggregate have a material
               adverse effect on the Company or FinMap.
           e)  There is no action, suit or proceeding before or by any court,
               arbitrator or governmental agency, body or official, domestic or
               foreign, which has been served on the Company or its affiliates
               and is now pending or which, to the knowledge of the Company, is
               threatened against or materially affects the Company or its
               affiliates which has not been disclosed in writing. There are not
               pending any governmental proceedings to which the Company or its
               affiliates are a party or to which any of their property is
               subject, which has not been disclosed in writing. No judgment,
               injunction, restraining order or order of any nature by any court
               of competent jurisdiction or regulatory agency has been issued
               and/or remains in effect relating to any kind of wrongdoing in
               connection with a securities transaction involving the Company or
               its affiliates.

8.2  By execution of this Agreement, FinMap represents and warrants to the
     Company and the Company shall be entitled to rely fully upon such
     representations, that:
           a)  The Company has full and complete corporate authority to enter
               into this Agreement.
           b)  That the officer executing this Agreement on behalf of the
               Company is duly empowered to so execute and, as of the Effective
               Date, holds in good standing the office indicated.
           c)  That the Company intends to be legally bound by the terms set
               forth herein.
           d)  FinMap is in compliance with all United States, local, state,
               federal, international and other applicable laws, ordinances and
               regulations applicable to its business and the marketing of the
               Company hereunder, with the exception of violations of such laws
               ordinances and regulations that would not individually or in the
               aggregate have a material adverse effect on FinMap or the
               Company.
           f)  There is no action, suit or proceeding before or by any court,
               arbitrator or governmental agency, body or official, domestic or
               foreign, which has been served on FinMap or its affiliates and is
               now pending or which, to the knowledge of FinMap, is threatened
               against or materially affects FinMap or its affiliates which has
               not been disclosed in writing. There are not pending any
               governmental proceedings to which FinMap or its affiliates are a
               party or to which any of their property is subject, which has not
               been disclosed in writing. No judgment, injunction, restraining
               order or order of any nature by any court of competent
               jurisdiction or regulatory agency has been issued and/or remains
               in effect relating to any kind of wrongdoing in connection with a
               securities transaction involving FinMap or its affiliates.
           g)  FinMap makes the following representations and warranties to the
               Company regarding the Warrant and the Warrant Stock (the "Company
               Securities"):

                                       6
<PAGE>

               (i)   FinMap has been furnished with and has carefully read each
                     of (A) the Company' Annual Report on Form 10-K for fiscal
                     year ended December 31, 1999, as amended; and (B) the
                     Company' Quarterly Report on Form 10-Q for fiscal quarter
                     ended June 30, 2000. In evaluating the suitability of an
                     investment in the Company, FinMap has not relied upon any
                     representations or other information (whether oral or
                     written) from the Company or of its agents, and no oral or
                     written representations have been made or oral or written
                     information furnished to FinMap or its advisors, if any, in
                     connection with the acceptance of the shares of the Company
                     Securities which were in any way inconsistent with the
                     information set forth in the documents listed in the first
                     sentence of this Section 8.2(g)(i). The Company has granted
                     to FinMap and its representatives the opportunity to
                     examine such documents and ask such questions of the
                     Company as FinMap has deemed necessary, and FinMap has
                     received satisfactory answers from the Company (or persons
                     acting on the Company's behalf) concerning the Company and
                     the terms and conditions of the Company Securities
                     described herein and all other information they have deemed
                     necessary with making an informed investment decision. The
                     Company will provide to FinMap copies of all of the Company
                     Quarterly Reports on 10-Q for each fiscal quarter ended
                     after the Effective Date and prior to the expiration or
                     termination of this Agreement, together with such
                     additional information as FinMap may reasonably request
                     from the Company that is readily available to the Company.
               (ii)  The Company has made available to FinMap all documents and
                     information that FinMap has requested relating to an
                     investment in the Company.
               (iii) FinMap recognizes that an investment in the Company
                     involves substantial risks, and FinMap has taken full
                     cognizance of and understands all of the risk factors
                     related to the acceptance of the Company Securities.
               (iv)  FinMap has carefully considered and has, to the extent
                     FinMap believes such discussion necessary, discussed with
                     FinMap's professional legal, tax and financial advisers the
                     suitability of an investment in the Company for FinMap's
                     particular tax and financial situation, and FinMap has
                     determined that the Company Securities are a suitable
                     investment for FinMap.
               (v)   All information which FinMap has provided to the Company
                     concerning FinMap and the financial position of FinMap is
                     correct and complete as the Effective Date.
               (vi)  FinMap has such knowledge and experience in financial and
                     business matters that FinMap is capable of (i) evaluating
                     the merits and risks of an investment in the Company
                     Securities, and (ii) making an informed investment
                     decision.

9.0  CONFIDENTIALITY, COMPETITION AND NON-CIRCUMVENTION

9.1  Confidentiality.

           a)  "Confidential Information" shall include the financial terms and
               conditions of this Agreement, user information and any other
               business information of the disclosing party ("Discloser") which
               is confidential or proprietary, including, without limitation,
               the Company's technology, firmware, source code, software tools,
               designs,

                                       7
<PAGE>

               schematics, plans or any other information relating to any
               product or service, work in process, future development,
               scientific, engineering, manufacturing, marketing or business
               plans, or financial or personnel materials, future products,
               sales, suppliers, employees, investors or business.
           b)  A party hereunder receiving Confidential Information under this
               Agreement ("Recipient") shall use such Confidential Information
               of the Discloser only for limited business purpose described
               herein. A Recipient's duty to protect Confidential information
               disclosed under this Agreement extends for a period of two (2)
               years from the date of each first disclosure of the particular
               Confidential Information. A Recipient shall protect the disclosed
               Confidential Information by using the same degree of care, but no
               less than a reasonable degree of care, to prevent the
               dissemination to third parties or publication of the Confidential
               Information as the Recipient uses to protect its own confidential
               information of a like nature.

9.2  Duty.  This Agreement imposes no obligation upon a Recipient with respect
     to Confidential Information which (a) was in the Recipient's possession
     before receipt from the Discloser, (b) is or becomes a matter of public
     knowledge through no fault of the Recipient, (c) is rightfully received by
     the Recipient from a rightfully possessing third party without a duty of
     confidentiality, (d) is disclosed by the Discloser to a third party without
     a duty of confidentiality on the third party; (e) is required to be
     disclosed by court order or other lawful governmental action, but only to
     the extent so ordered or pursuant to any applicable securities exchange
     requirement, and provided that the Recipient promptly notifies the
     Discloser so that the Discloser may attempt to obtain a protective order,
     or (f) is disclosed by the Recipient with the Discloser's prior written
     approval in accordance with said written approval.  Each Discloser warrants
     that it has the right to freely make the disclosures under this Agreement.

9.3  Competition and Non-Circumvention.
           a)  There are no restrictions against competition imposed by this
               Agreement, it being understood by the parties that this is a non-
               exclusive agreement.
           b)  Because of the Confidential Information to be obtained by or
               disclosed to the Company, as hereinabove set forth, and as a
               material inducement to the parties' entry into this Agreement,
               the parties each hereby covenant and agree during the term of
               this Agreement that neither party shall, directly or indirectly,
               solicit for employment or employ any employee of the other party
               or such other party's affiliates.

9.4  Acknowledgment of Reasonableness.  Both the Company and FinMap hereby
     represent, warrant and acknowledge that it has carefully read and
     considered the provisions of this Section 9 and, having done so, agrees
     that the restrictions set forth herein are fair and reasonable and are
     reasonably required for the protection of the interests of FinMap, the
     Company, their respective shareholders, officers, directors, employees and
     representatives.

10.0 MISCELLANEOUS

10.1 Notices.  Any notice or other communication required or permitted by this
     Agreement shall be deemed to have been validly delivered (i) five (5)
     business days after mailing if the same shall be mailed by registered or
     certified mail, postage prepaid, and addressed to the proper party hereto
     at its

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<PAGE>

     respective address, (ii) one (1) business day after delivery to a private
     courier guaranteeing same day or next day delivery, and addressed to the
     proper party hereto at its respective address, (iii) on the date of
     facsimile transmission if sent by facsimile to the proper party hereto at
     its respective facsimile number, and if a confirmation copy of the
     facsimile transmission is sent by registered or certified mail, postage
     prepaid, or by private same day or next day courier, and addressed to such
     party at its respective address, and (iv) on the date of email transmission
     if sent by email to the proper party hereto at its respective email
     address, and if a confirmation copy of the email transmission is sent by
     facsimile to such party at its respective facsimile number and by
     registered or certified mail, postage prepaid, or by private same day or
     next day courier, and addressed to such party at its respective address.
     Any notice or other communication received at the addressee's location
     after 5:00 p.m. shall be deemed to have been received at 9:00 a.m. on the
     next business day at the addressee's location.

     With respect FinMap, all notices shall be addressed to:

          FinMap Corporation
          700 West Hillsboro Blvd.
          Building 3, Suite 101
          Deerfield Beach, FL 33441
          Attention:  Greg Paige
          Tel.:  (954) 418-8601
          Fax:  (954) 418-8756
          Email:  ________________________

     With respect to the Company, all notices shall be addressed to:

          Applied Voice Recognition, Inc.
          1770 St. James Place, Suite 116
          Houston, Texas  77056
          Attention:  James Springfield, Chief Executive Officer
          Tel.:  (713) 621-3131
          Fax:  (713) 621-9027
          Email:  jgs@e-DOCS.com

     Either party hereto may change the address at which it desires to receive
     notice upon ten (10) day's written notice of such change to the other
     party.

10.2 Merger.  This Agreement shall bind and inure to the benefit of the parties
     hereto and their respective successors and assigns. This document and the
     Warrant to be issued hereunder contain the entire agreement between the
     parties hereto with respect to the subject matter of this Agreement.  There
     are no understandings, representations or warranties except as expressly
     set forth herein and in the Warrant.

10.3 Survival. The representations, warranties and covenants of the parties
     hereto contained herein shall survive the execution of this Agreement and
     shall be effective regardless of any investigation that may have been made
     or may be made by or on behalf of any party hereto.

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<PAGE>

10.4 Governing Law and Venue. The interpretation and construction of this
     Agreement, and all matters relating thereto, shall be governed by the laws
     of the State of Texas without regard to Texas' "conflict of law" rules.
     The parties hereto acknowledge that this Agreement is to be at least
     partially performed in Harris County, Texas, and, therefore, subject to the
     terms of Section 10.5, any judicial proceeding brought to enforce this
     Agreement, or any matter related thereto, shall be brought in the
     appropriate courts for Harris County, Texas, or the appropriate United
     States District Court located in Harris County, Texas.  By execution of
     this Agreement, each party hereto accepts and agrees to the exclusive
     jurisdiction of the aforesaid courts and irrevocably agrees to be bound by
     any judgment rendered thereby in connection with this Agreement.

10.5 Enforcement/Disputes Subject to Arbitration.

           a)  Claims Covered. The Company and FinMap mutually consent to the
               resolution by arbitration of all claims or controversies
               ("Claims"), that the Company may have against FinMap or against
               its officers, directors, employees, or agents, in their capacity
               as such or otherwise, or that FinMap may have against the Company
               or against its officers, directors, employees, or agents, in
               their capacity as such or otherwise. The Claims covered by this
               Section 10.5 include, but are not limited to, claims for
               violation of any federal, state or other governmental law,
               statute, regulations, or ordinance, except Claims excluded in
               Section 10.5 b).
           b)  Claims Not Covered. Claims the parties hereto may have against
               the other for injunctive relief for unfair competition and/or the
               use and/or unauthorized disclosure of trade secrets or
               confidential information, are not subject to this Section 10.5,
               and both parties hereto understand and agree that the other party
               may seek and obtain relief from a court of competent
               jurisdiction.
           c)  Required Notice of all Claims and Statue of Limitations. The
               Company and FinMap agree that the aggrieved party hereunder must
               give written notice of any Claims to the other party within one
               hundred eighty (180) days of the occurrence giving rise to the
               Claim (each, a "Claim Notice"), and file any arbitration or suit
               within one (1) year after the occurrence giving rise to the
               Claim; otherwise, the Claim shall be void and deemed waived even
               if there is a federal or state statute of limitations which would
               have given more time to pursue the Claim. The written notice
               shall identify and describe the nature of all Claims asserted and
               the facts upon which such Claims are based.
           d)  Representation. Either of the parties hereto may be represented
               by an attorney or other representative selected by such party.
           e)  Discovery. Each party hereto shall have the right to take the
               deposition of one (1) individual and any expert witness
               designated by the other party. Each party hereto also shall have
               the right to make requests for production of up to twenty (20)
               categories of documents to any party. Additionally, each party
               hereto shall have the right to serve not more than ten (10)
               interrogatories (including all subparts) to any party. The
               subpoena right specified below shall be applicable to discovery
               pursuant to this Section 10.5 e). Additional discovery may be had
               only where the Arbitrator (as hereinafter defined) selected
               pursuant to this Agreement so orders, upon a showing of
               substantial need.
           f)  Mediation. If the parties hereto are not able to resolve the
               Claim within five (5) days after any party receives a Claim
               Notice, then, within five (5) days immediately after the

                                       10
<PAGE>

               expiration of the aforesaid five (5)-day period, the parties
               hereto shall attempt to agree upon an independent mediator. If
               the parties are unable to reach an agreement upon an independent
               mediator within such second five (5)-day period, then either
               party shall be entitled to request that the Judicial Arbitration
               & Mediation Service, Inc. ("JAMS") (or similar mediation service
               of a similar national scope if JAMS no longer then exists)
               appoint an independent mediator who shall serve as mediator for
               all purposes hereof. The parties hereto agree that they shall
               each pay one-half (1/2) of the mediator's services. The cost of
               the mediator's services shall be paid in advance upon request by
               the mediator or any other party. Within ten (10) days after
               selection of the mediator, the mediator shall call for and set a
               meeting among the parties and the mediator for the purpose of
               mediating the Claim. If the parties are unable to resolve the
               Claim within thirty (30) days after the Claim Notice (the
               "Mediation Period"), the Claim shall be decided by arbitration,
               if such a demand is timely filed.
           g)  Arbitration Procedures. The Company and FinMap agree that, except
               as provided in this Agreement, any arbitration shall be in
               accordance with the then-current Commercial Arbitration Rules of
               JAMS before an arbitrator who is licensed to practice law in the
               State of Texas (the "Arbitrator"). The arbitration shall take
               place in Houston, Texas.
               (1)  The Arbitrator shall be selected as follows:   JAMS shall
                    give each of the parties hereto a list of five (5)
                    arbitrators drawn from its panel of commercial arbitrators.
                    Each party may strike all names on the list it deems
                    unacceptable.  If only one common name remains on the lists
                    of all parties, that individual shall be designated as the
                    Arbitrator.  If more than one common name remains on the
                    lists of all parties, the parties shall strike names
                    alternately until only one name remains.  The party who did
                    not initiate the Claim shall strike first.  If no common
                    name remains on the lists of all parties, JAMS shall furnish
                    an additional list or lists until an Arbitrator is selected.
               (2)  The Arbitrator shall apply the substantive law (and the law
                    of remedies, if applicable) of the State of Texas, or
                    federal law, or both, as applicable to the Claim(s)
                    asserted.  The Texas Rules of Evidence shall apply.  The
                    Arbitrator, and not any federal, state, or local court or
                    agency, shall have exclusive authority to resolve any
                    dispute relating to the interpretation, applicability,
                    enforceability, or formation of this Agreement, including
                    but not limited to any Claim that all or any part of this
                    Agreement is void or voidable.  The arbitration shall be
                    final and binding upon the parties, except as provided in
                    this Agreement.
               (3)  The Arbitrator shall have jurisdiction to hear and rule on
                    pre-hearing disputes and is authorized to hold pre-hearing
                    conferences by telephone or in person as the Arbitrator
                    deems necessary.  The Arbitrator shall have the authority to
                    entertain a motion to dismiss and/or a motion for summary
                    judgment by any party and shall apply the standards
                    governing such motions under the Texas Rules of Civil
                    Procedure.
               (4)  At least thirty (30) days before the final arbitration
                    hearing, the parties must exchange lists of witnesses,
                    including any expert, and copies of all exhibits intended to
                    be used at the arbitration.

                                       11
<PAGE>

               (5)  Each party shall have the right to subpoena witnesses and
                    documents for arbitration, including service of document
                    subpoena during discovery.
               (6)  Either party, at its expense, may arrange for and pay the
                    cost of a court reporter to provide a stenographic record of
                    proceedings.
               (7)  Either party, upon request at the close of any hearing,
                    shall be given leave to file a post-hearing brief.  The time
                    for filing such a brief shall be set by the Arbitrator.
               (8)  Either party may bring an action in a court as provided in
                    Section 10.4 to compel arbitration under this Agreement and
                    to enforce an arbitration award.  Except as otherwise
                    provided in this Agreement, both the Company and FinMap
                    agree that neither shall initiate or prosecute any lawsuit
                    or administrative action (other than as required by
                    applicable law) in any way related to any Claim covered by
                    this Agreement.
               (9)  The Arbitrator shall render an award and opinion in the form
                    typically rendered in arbitrations.

           h)  Arbitration Fees and Costs. The Company and FinMap shall equally
               share the fees and costs of the Arbitrator. Each party hereto
               will deposit funds or post other appropriate security for its
               share of the Arbitrator's fee, in an amount and manner determined
               by the Arbitrator, ten (10) days before the first day of hearing.
               However, the prevailing party shall be entitled to recover from
               the non-prevailing party in accordance with Section 10.6 of this
               Agreement, and the Arbitrator may award such fees.
           i)  No Appeal. The parties hereto intend any decision of the
               Arbitrator to be binding absent fraud or corruption of the
               Arbitrator. As such, any award of the Arbitrator may only be
               appealed in the circumstance of fraud or corruption in the
               arbitration proceeding.
           j)  Interstate Commerce. FinMap understands and agrees that the
               Company is engaged in transactions involving interstate commerce
               and that FinMap's services involve such commerce.
           k)  Requirements for Modification or Revocation. The agreement to
               arbitrate set forth in this Section 10.5 shall survive the
               termination or expiration of the term of this Agreement. Such
               agreement to arbitrate can only be revoked or modified by a
               writing signed by the parties hereto which specifically states an
               intent to revoke or modify such agreement to arbitrate.

10.6 Litigation. In the event either party hereto brings an action or suit to
     enforce or interpret this Agreement or for damages on account of the breach
     of a covenant or representation or warranty contained herein, the
     prevailing party shall be entitled to recover from the other party the
     prevailing party's reasonable attorneys' fees and costs (including costs of
     arbitration) incurred in any such action, in addition to other relief to
     which the prevailing party is entitled.

10.7 Publicity and Disclosures.  No press releases or any public disclosures,
     whether written or oral, of the transactions contemplated by this Agreement
     shall be made without the prior knowledge and written consent of the
     Company.

                    [REST OF PAGE INTENTIONALLY LEFT BLANK]

                                       12
<PAGE>

     If this Agreement accurately reflects your understanding of our agreements
with respect to the subject matter hereof, please so indicate by executing a
copy of this Agreement in the space provided below for your signature and
returning a fully executed copy of this Agreement to the undersigned.

                                    FINMAP CORPORATION

                                    By: ____________________________
                                         Gregory L. Paige,
                                         Managing Director

ACCEPTED AND AGREED:

APPLIED VOICE RECOGNITION, INC.

By: ________________________
     James Springfield,
     President
Date:______________________ (the "Effective Date")

                                       13

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