Document:

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                                                                 Exhibit 10.32

                                                                [EXECUTION COPY]

                    NAI DIRECT, INC. SHAREHOLDERS' AGREEMENT

         Shareholders' Agreement made this 23rd day of September, 1999, by and
among Real Quest, Inc., a New Jersey corporation ("RQ"), Gerald C. Finn, Jeffrey
Finn, any other individual identified as a Shareholder on the signature pages
hereto (each a "SHAREHOLDER", and collectively the "SHAREHOLDERS"), and NAI
Direct, Inc., a Delaware corporation ("NAI DIRECT").

                                   BACKGROUND

         NAI Direct is engaged or to be engaged in the business of developing,
owning and operating a commercial real estate internet web site. RQ owns 80% of
the common stock in NAI Direct. The Shareholders own, or have a contractual
right to obtain, common stock in NAI Direct. RQ and Shareholders are sometimes
referred to herein collectively as the "PARTIES".

         New America Network, Inc. ("NAI") is a Delaware Corporation engaged in
the business of providing commercial real estate services. WorldWide Web
NetworX, Inc. ("WWWX") is a Delaware Corporation engaged in the business of
developing internet applications. Simultaneously with the execution of this
Agreement, NAI and WWWX have entered into a Share Exchange Agreement pursuant to
which WWWX is acquiring 80% of the outstanding equity interest in RQ from NAI in
exchange for 1,500,000 shares of WWWX common stock, a Real Quest, Inc.
Shareholders' Agreement (the "REAL QUEST SHAREHOLDERS' AGREEMENT") and various
other related documents.

1. OWNERSHIP OF SHARES

     1.1  NAI Direct will issue to RQ common stock representing no less than 80%
          of the equity interest in NAI Direct; NAI Direct will issue to
          officers and/or employees of NAI Direct, or others, common stock
          representing an aggregate of up to 20% of the equity interest in NAI
          Direct.
          Notwithstanding the provisions of SECTION 6.6, NAI Direct may grant,
          sell or offer to sell shares of its common stock or rights to purchase
          shares of its common stock to such employees or others as designated
          by the Compensation Committee of the Board of Directors in an
          aggregate amount, including the shares held by the Shareholders listed
          above, not to exceed 20% of the equity interest in NAI Direct. The
          initial members of the Compensation Committee of the Board of
          Directors will be Gerald C. Finn and Jeffrey Finn.

     1.2  The shareholders of NAI Direct may be diluted by future equity
          investors at the discretion of NAI Direct's then current Board of
          Directors.

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2. TRANSFER OF SHARES

     2.1  Except as provided herein, for a period of 18 months from the date of
          this Agreement, no Party to this Agreement may sell any portion of its
          equity interest in NAI Direct without the written consent of the other
          Parties.

     2.2  Any Shareholder may transfer shares to any spouse or issue of a
          Shareholder or a trust, corporation, limited liability company or
          partnership controlled by, or for the benefit of, such Shareholder or
          any spouse or issue of a Shareholder, subject to SECTION 7.8; PROVIDED
          THAT the transferee will be subject to all the terms and conditions of
          this Agreement in the same manner and to the same extent as the
          transferring Shareholder had the transfer not occurred. By means of
          example only, and of no limiting effect, if a Shareholder who had
          transferred shares under this SECTION 2.2 subsequently leaves the
          employ of NAI or NAI Direct, the repurchase rights set forth in
          SECTIONS 3.1 AND 3.2 shall be applicable to the transferred shares.

     2.3  In the event any Shareholder (a "SELLING SHAREHOLDER") receives a bona
          fide offer to purchase his or her shares from an independent third
          party, Selling Shareholder shall give NAI Direct notice of such an
          offer and provide NAI Direct a copy thereof. NAI Direct shall have the
          option to elect within 10 days following such notice to purchase
          Selling Shareholder's shares under the same terms and conditions as
          the offer. In the event NAI Direct does not exercise its option to
          purchase, it shall give all other Shareholders notice of the offer,
          and the other Shareholders who are officers or employees of NAI Direct
          shall have the option to purchase Selling Shareholder's shares under
          the same terms and conditions as the offer, such option to be
          exercised within 10 days following the expiration of NAI Direct's
          option period. If Selling Shareholder's shares are purchased by more
          than one Shareholder, they may be divided among the purchasers as the
          purchasers may agree, or absent any agreement to the contrary, in
          proportion to each purchaser's respective interest in NAI Direct prior
          to such purchase from Selling Shareholder.

     2.4  In the event RQ receives an offer for all or substantially all of its
          shares in NAI Direct, RQ shall give prompt notice to Shareholders of
          such offer and the terms thereof, and shall provide Shareholders with
          a copy of any such offer. Each Shareholder shall have the option to
          give notice (a "TAG-ALONG NOTICE"), not later than 10 days prior to
          the closing of the sale by RQ pursuant to which the Shareholders, or
          any of them, may require RQ to give notice to the purchaser that as
          part of the same transaction and as a condition thereto, the
          Shareholders' shares shall be purchased for the same consideration and
          otherwise on the same terms and conditions upon which RQ will sell its
          shares to purchaser. If the purchaser does not wish to purchase a
          greater interest in NAI Direct than contained in its offer to RQ, then
          such purchaser must purchase such interest on a

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          pro rata basis in relation to each Shareholder's interest in NAI
          Direct from RQ and the Shareholders sending a Tag-Along Notice. In the
          event purchaser does not purchase the Shareholders' shares as
          identified in the Tag-Along Notice(s) in accordance with this SECTION
          2.4, any purported sale by RQ of its NAI Direct shares shall be
          voidable at the sole option of the Shareholder(s) sending a Tag-Along
          Notice.

     2.5  Nothing contained herein shall prevent a Shareholder from selling or
          otherwise transferring shares to another Shareholder who is an officer
          or employee of NAI Direct, free and clear of the restrictions set
          forth in this ARTICLE 2, but subject to the provisions of SECTION 7.9.

3. REPURCHASE OF SHARES BY NAI DIRECT

     3.1  In the event a Group B Shareholder is no longer employed by NAI or NAI
          Direct, NAI Direct shall have the option for 30 days following the
          Group B Shareholder's last day of employment by NAI or NAI Direct to
          elect to repurchase the Group B Shareholder's shares for $.10 per
          share if the repurchase occurs before October 1, 2002, or for $.15 per
          share if the repurchase occurs between October 1, 2002 and September
          30, 2004. The option granted by this SECTION 3.1 will not apply after
          September 30, 2004. "GROUP A SHAREHOLDERS" are all shareholders other
          than RQ who own 2% or more of the equity interest in NAI Direct as of
          October 31, 1999. All shareholders other than RQ who are not Group A
          Shareholders are "GROUP B SHAREHOLDERS".

     3.2  In the event NAI Direct does not exercise its option to repurchase the
          shares pursuant to SECTION 3.1, the Group A Shareholder(s) who remain
          employee(s) of NAI Direct shall have an option to purchase the shares
          at the price per share set forth in SECTION 3.1, provided that any
          shares so purchased shall be purchased subject to the terms of this
          Shareholders' Agreement. If the shares are purchased by more than one
          person, they may be divided among such purchasers as the purchasers
          may agree, or absent any agreement to the contrary, in proportion to
          each purchaser's respective interest in NAI Direct prior to such
          purchase.

     3.3  If there is a default and subsequent termination under the Real Quest
          Shareholders' Agreement, the Board of Directors of NAI Direct will
          authorize NAI Direct to repurchase all Shareholders' shares at par
          value and all Shareholders hereby agree to tender their shares to NAI
          Direct for that amount.

     3.4  In the event of the death of any Shareholder, upon the request of the
          deceased Shareholder's estate or personal representative, NAI Direct
          shall repurchase the deceased Shareholder's shares from the
          Shareholder's estate at their fair market value as determined in the
          reasonable discretion of the Board of Directors of NAI Direct within
          90 days of such Shareholder's death, unless the provisions of SECTION
          3.7 apply, NAI Direct shall not be required to repurchase a deceased

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          Shareholder's shares if doing so would, in the reasonable judgement of
          the Board of Directors, jeopardize the financial integrity or
          successful operation of NAI Direct. However, NAI Direct shall, in any
          case, purchase such shares necessary to provide the deceased
          Shareholder's estate sufficient funds to pay any estate tax associated
          with the deceased Shareholder's shares. The amount of the purchase
          price of either all of the deceased Shareholder's shares or the
          portion purchased to pay estate tax is called the "BUYOUT PRICE".

     3.5  NAI Direct may purchase life insurance on its officers and employees
          in amounts sufficient to provide for the repurchase called for by this
          ARTICLE 3 or in lesser amount as may be reasonably commercially
          available. If NAI Direct does carry key employee or other life
          insurance on any officer or employee, the proceeds of such insurance
          shall be used first for the repurchase called for by this ARTICLE 3.

     3.6  NAI Direct shall pay to the decedent's estate proceeds received from
          any life insurance policy on the life of the decedent in payment of
          the Buyout Price. The total amount of any insurance proceeds to be
          paid to the decedent's estate pursuant to this SECTION 3.6 shall not
          exceed the Buyout Price for such shares.

               (a) In the event that the proceeds of life insurance policies
          shall be insufficient to pay the Buyout Price for such shares, NAI
          Direct shall deliver to the legal representative of the decedent a
          Note in the amount of the Buyout Price less any proceeds of life
          insurance policies paid pursuant to subparagraph (a) and other cash
          payment by NAI Direct, and payable to the decedent's estate in equal
          consecutive monthly installments over as short a period as the Board
          of Directors may reasonably determine.

               (b) The term "NOTE" shall mean a negotiable promissory note in
          the principal amount of the Buyout Price les any amount paid in cash.
          The principal amount payable will bear interest at the minimum rate
          necessary to avoid the imputation of interest under the Internal
          Revenue Code of 1986, as amended, and any regulations thereunder. The
          Note shall be paid in equal consecutive monthly installments of
          principal and interest during the term of the Note, beginning no later
          than 30 days after the date of repurchase. The Note shall provide that
          the unpaid balance of the Note shall become due and payable
          immediately in the event of (a) the sale of all or substantially all
          of the assets of NAI Direct; (b) the dissolution or liquidation of NAI
          Direct; (c) the filing of a petition in bankruptcy or an assignment
          for the benefit of creditors with respect to NAI Direct, or the
          appointment of a receiver, custodian, or other trustee or fiduciary to
          take charge of all or any part of the assets of NAI Direct; and (d)
          the sale by the remaining shareholders of more than 50% of the shares
          which they own collectively as of the date of death to any person or
          entity other than NAI Direct. The Note shall further provide that in
          the event of a default thereunder, the entire unpaid amount shall be
          due and payable at the election of the holder of the Note on 10 days
          prior written notice, unless such default is cured within such 10 day
          period. NAI Direct may prepay any portion of the amount remaining on
          the Note at any time prior to

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          the maturity of the Note, without penalty. Upon payment, the Note
          shall be returned to NAI Direct marked "Paid in Full" by the payee.

     3.7  In the event of the death of any Shareholder and there is a
          recognized, publicly-traded market for the Shareholder's shares in
          which the deceased Shareholder's shares may be sold, NAI Direct will
          have the right but no obligation, within 90 days of Shareholder's
          death, to repurchase any portion of the deceased Shareholder's shares
          at the market price. If NAI Direct does not elect to repurchase the
          deceased Shareholder's shares or any portion thereof, the shares may
          be sold in the public market, free of any restrictions under this
          Agreement.

4. PROPRIETARY INFORMATION

     4.1  The Parties to this Agreement have been or may be exposed to patents,
          software, trade secrets, financial information, vendor and supplier
          lists, personnel policies, methods of doing business, and other
          confidential business information (the "PROPRIETARY INFORMATION").
          Each Party agrees to keep such Proprietary Information confidential.
          Each Party agrees not to use or disclose such Proprietary Information,
          except in furtherance of the business of WWWX, NAI, RQ or NAI Direct.
          The Parties acknowledge that improper disclosure of use will cause NAI
          Direct or the other Shareholder(s) irreparable harm, and that the
          appropriate Parties are entitled to injunctive relief for any breach,
          as well as an action for monetary damages for any loss.

5. RESTRICTIVE COVENANT

     5.1  During the term of this Agreement and for a period of 2 years after a
          Party ceases to be a Shareholder such Party agrees to refrain from
          becoming a Shareholder in, or consultant, employee, officer, director,
          owner, or partner of, or in any other manner becoming connected with,
          a business that competes with the business of NAI Direct. Nothing
          contained herein shall prevent any Party from engaging or
          participating in any internet based commercial real estate enterprise
          so long as such enterprise does not compete with NAI Direct in any of
          its principal activities

     5.2  This covenant may be assigned by a Party to any entity in which the
          stock and/or assets of NAI Direct are transferred or to which there is
          a merger of NAI Direct or to any other successor corporation.

     5.3  The Parties acknowledge that a violation of this covenant will cause
          NAI Direct and the other Parties irreparable harm, and that NAI Direct
          is entitled to injunctive relief for any breach, as well as an action
          for monetary damages for any loss.

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     5.4  In the event of a violation of the terms of ARTICLES 4 OR 5 of this
          Agreement, the violating parties shall be liable to the damaged party
          for reasonable attorneys fees, expert fees and court costs.

6. MANAGEMENT OF NAI DIRECT

     6.1  The Board of Directors of NAI Direct will consist of five Directors,
          with two Directors to be designated by NAI and two Directors to be
          designated by WWWX. The fifth Director will be selected by agreement
          of NAI and WWWX and will serve until his or her successor is elected
          and qualified.

     6.2  The Board of Directors of NAI Direct shall meet no less frequently
          than every two months or as may be determined by the Board or
          reflected in NAI Direct's By-laws.

     6.3  Gerald C. Finn will be the initial Chief Executive Officer of NAI
          Direct; Jeffrey Finn will be the initial President of NAI Direct.
          Other initial officers will be elected by the Board of Directors of
          NAI Direct.

     6.4  Except as otherwise contemplated by or discussed in this Agreement,
          the following actions by NAI Direct will require approval of the Board
          of Directors of NAI Direct:

          (1)  Amend, alter or repeal any of the provisions of the Certificate
               of Incorporation or the By-Laws of NAI Direct;

          (2)  Authorize or create, or increase the number of authorized shares
               of any stock of any class, or any security convertible into stock
               of a class;

          (3)  Adopt and implement any strategic and operating plans that
               materially change the business of NAI Direct or that involve the
               entry of NAI Direct into a business not currently conducted by
               NAI Direct, except as contemplated by this Agreement;

          (4)  Make or commit any capital expenditures of amounts exceeding in
               the aggregate 20% of NAI Direct's net worth;

          (5)  Reorganize, recapitalize, register its stock under the U.S.
               Federal securities laws, enter, offer or sell, convey, or
               otherwise dispose of or encumber all or substantially all of its
               property or business or

          (6)  merge into or consolidate with any other corporation (other than
               a wholly owned subsidiary corporation) or effect any transaction
               or series of related transactions in which more than 50% of the
               voting power of NAI Direct is disposed of;

          (7)  Redeem, purchase or otherwise acquire, directly or indirectly any
               shares of NAI Direct's capital stock or any option, warrant or
               other

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               right to purchase or acquire any such shares except as provided
               in ARTICLE 2 OR 3;

          (8)  Grant or issue any stock options or other convertible securities
               at below fair market value on the date of grant except as
               provided in SECTION 1.1;

          (9)  Declare or pay any dividend or other distribution (whether in
               cash, stock or other property) with respect to NAI Direct's
               capital stock;

          (10) Except in the ordinary course of NAI Direct's business,
               voluntarily sell, transfer, surrender, abandon or dispose of any
               of its assets or property rights (tangible or intangible) valued
               in excess of $250,000;

          (11) Except in the ordinary course of NAI Direct's business, grant or
               make any mortgage or pledge or subject NAI Direct or any of its
               properties or assets to any lien, charge or encumbrance of any
               kind, except liens for taxes not currently due;

          (12) Create, incur, or assume any liability or indebtedness in an
               aggregate amount exceeding 20% of NAI Direct's net worth;

          (13) Guaranty the obligation of any third party;

          (14) Grant any increase in the compensation payable or to become
               payable to directors or officers (including, without limitation,
               any such increase pursuant to any bonus, pension, profit-sharing,
               incentive option or other plan or commitment) that is 20% greater
               than the prior year;

          (15) Alter the manner of keeping its books, accounts or records, or
               change in any manner the accounting practices therein reflected;

          (16) Enter into any commitment or transaction other than in the
               ordinary course of business valued in excess of $250,000;

         Approval of any of the actions listed in items 1, 2, 3, 5, 6, 7, 9, 10,
         or 14 will require the approval of at least 3/4 of the Directors of NAI
         Direct.

         Due to the relationship of NAI Direct with NAI and WWWX, NAI and WWWX
         each are entitled to reasonable access to all books and records of NAI
         Direct.

7. MISCELLANEOUS

     7.1  RESTRICTION ON NAI DIRECT SHARES. The certificates of stock of NAI
          Direct issued to the Parties shall bear the following endorsement:

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                  "The shares of stock represented by this certificate are
                  subject to all of the terms of a shareholders agreement dated
                  the 23rd day of September 1999 , a copy of which is on file at
                  the office of the Corporation.

                  The shares represented by this certificate have not been
                  registered under the Securities Act of 1933 (the `ACT') or
                  any applicable state securities law. These shares may not be
                  sold, transferred or assigned in the absence of an effective
                  registration statement for these shares under the Act or an
                  opinion of the Corporation's counsel that registration is
                  not required under the Act."

     7.2  GOVERNING LAW. THIS AGREEMENT SHALL BE CONSTRUED UNDER AND GOVERNED BY
          THE INTERNAL LAWS OF THE STATE OF DELAWARE. THE PARTIES AGREE TO WAIVE
          A JURY TRIAL IN ANY PROCEEDING BROUGHT TO ENFORCE ANY TERMS OF THIS
          AGREEMENT.

     7.3  SURVIVAL. Nothing contained in this SECTION 7.3 shall affect or impair
          any rights or obligations arising prior to the time of termination of
          this Agreement or which may arise by an event causing the termination
          of this Agreement. The covenants contained in ARTICLES 4 AND 5 above
          shall survive the termination of this Agreement for 2 years.

     7.4  NOTICE. Any notice or other communication shall be in writing and
          shall be deemed effective:

          (1)  Upon personal delivery, if delivered by hand and followed by
               notice by mail of facsimile transmission;

          (2)  Three (3) days after deposit in the United States mail by
               certified or registered mail, return receipt requested, postage
               prepaid;

          (3)  The date of delivery by Federal Express or other nationally
               recognized courier service and shall be addressed to such Party's
               address shown on such Party's signature page.

     7.5  AMENDMENT. This agreement may only be amended by an instrument in
          writing signed by the RQ and the Shareholders holding not less than
          75% of the remaining shares.

     7.6  SEVERABILITY. If any provision of this Agreement or the application
          thereof to any person or circumstances shall for any reason or to any
          extent be invalid or unenforceable, the remainder of this Agreement
          and the application of that provision to other persons or
          circumstances shall not be affected, but rather, shall be enforced to
          the extent permitted by law.

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     7.7  ENTIRE AGREEMENT. This agreement constitutes the entire agreement
          between the Parties with respect to the subject matter hereof and
          incorporates all prior discussions, negotiations and agreements.

     7.8  SUCCESSORS AND ASSIGNS. Except as otherwise provided herein, this
          Agreement may not be assigned by any Shareholder without the prior
          written consent of NAI Direct or RQ. This Agreement shall be binding
          upon and inured to the benefit of the parties hereto, their respective
          successors, heirs, permitted assigns and legal representatives. In the
          event of a transfer of the shares of stock in accordance with this
          Agreement, the transferring Shareholder acknowledges that the transfer
          shall not be effective until such time as the purchasing party
          acknowledges that it shall be bound by the terms and conditions of
          this Agreement.

     7.9  CONDITIONS OF SALE. In the event of a transfer of shares in accordance
          with this Agreement, the selling Shareholder acknowledges that the
          transfer shall not be effective until such time as the purchasing
          party acknowledges that it shall be bound by the terms and conditions
          of this Agreement.

     7.10 EXECUTION BY SHAREHOLDERS. Agreement to be Bound. Each Shareholder
          that executes and delivers to RQ and NAI Direct a signature page to
          this Agreement after the date hereof and is identified as a
          Shareholder on such signature page, which signature page shall be
          dated its date of execution, shall (i) be deemed to be a Shareholder
          for all purposes hereof as of the date such Shareholder executes and
          delivers such signature page, and (ii) be deemed to have agreed to be
          bound by all of the terms and provisions of this Agreement.

     7.11 COUNTERPARTS. This Shareholders' Agreement may be executed in
          counterparts, all of which taken together shall constitute one and the
          same Shareholders' Agreement.

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IN WITNESS WHEREOF, the Parties hereto have set their hands as of the date first
above written.

                                            REAL QUEST, INC.

                                            BY: ___________________________

                                              Name:  Jeffrey Finn
                                              Title: President and COO

                                            NOTICE ADDRESS:
                                              P. O. Box 950
                                              572 US Route 130
                                              Hightstown, NJ  08520

                                            NAI DIRECT, INC.

                                            BY: ____________________________

                                              Name:  Gerald C. Finn
                                              Title: Chief Executive Officer

                                            NOTICE ADDRESS:
                                              P. O. Box 950
                                              572 US Route 130
                                              Hightstown, NJ  08520

                                            SHAREHOLDERS:

                                            BY: __________________________

                                              Name:  Gerald C. Finn

                                            NOTICE ADDRESS:
                                              P. O. Box 950
                                              572 US Route 130
                                              Hightstown, NJ  08520

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                                            BY: __________________________

                                              Name:  Jeffrey Finn

                                            NOTICE ADDRESS:
                                              P. O. Box 950
                                              572 US Route 130
                                              Hightstown, NJ  08520

                                       11<PAGE>

                                                                   EXHIBIT 10.33

                                                                [EXECUTION COPY]

                    REAL QUEST, INC. SHAREHOLDERS' AGREEMENT

         Shareholders' Agreement made this 23rd day of September, 1999, by and
among WORLDWIDE WEB NETWORX CORPORATION, a Delaware corporation ("WWWX"), and
NEW AMERICA NETWORK, INC., a Delaware corporation ("NAI"), and REAL QUEST, INC.,
a New Jersey corporation ("RQ").

                                   BACKGROUND

         WWWX engages in the business of providing internet technology. NAI is
engaged in the business of providing commercial real estate services. NAI's
wholly-owned subsidiary, RQ, is engaged in the business of developing and
providing commercial real estate management and transaction tracking software.
The parties desire to enter into this Agreement governing the operations of RQ
and its subsidiary NAI Direct, Inc., a Delaware corporation ("NAI DIRECT") in
order to create vertical and horizontal internet portals for the commercial real
estate industry. RQ is sometimes referred to herein as the "COMPANY ". WWWX and
NAI are sometimes referred to herein collectively as the "PARTIES".

         Simultaneously, with the execution of this Agreement, NAI and WWWX have
entered into a Share Exchange Agreement (the "EXCHANGE AGREEMENT") pursuant to
which WWWX is acquiring 80% of the outstanding equity interest in RQ from NAI in
exchange for 1,500,000 shares of WWWX Common Stock and RQ and the other
shareholders of NAI Direct, Inc. have entered into the NAI Direct, Inc.
Shareholders' Agreement. Upon closing under this Agreement and the Exchange
Agreement, WWWX and NAI will be the sole shareholders of RQ.

1.       ORGANIZATION

         1.1      The Parties agree to take such steps as are reasonably
                  necessary to cause RQ to change its domicile from the State of
                  New Jersey to the State of Delaware.

         1.2      The Parties will cause RQ to form NAI Direct as a Delaware
                  corporation. Attached hereto as EXHIBIT 1.2 are copies of the
                  Articles of Incorporation and Bylaws of NAI Direct.

         1.3      The corporate records of the Company, including financial
                  records, shall be kept in its offices.

<PAGE>

2.       OWNERSHIP

         2.1      Pursuant to the exchange of stock called for in the Exchange
                  Agreement, NAI will transfer 80% of the equity interest of RQ
                  to WWWX, and NAI will retain 20% of the equity interest of RQ.

         2.2      RQ will initially own 80% of the equity interest in NAI
                  Direct; 20% of the equity interest in NAI Direct will
                  initially be available to NAI Direct for sale or delivery to
                  its officers, employees or others pursuant to the terms of the
                  NAI Direct Shareholders' Agreement, which may include current
                  officers, directors and employees of NAI or WWWX.

         2.3      Subject to the terms hereof, including without limitation,
                  SECTION 3.3, the Parties may be diluted by future equity
                  investors at the discretion of RQ's then current Board of
                  Directors.

3.       RESPONSIBILITIES

         3.1      WWWX will provide or license internet e-commerce and asset
                  management software as listed on SCHEDULE 3.1 (the
                  "TECHNOLOGY"), or comparable technology, to NAI Direct in NAI
                  Direct's discretion. In addition, WWWX will use reasonable
                  efforts to develop or customize the Technology for application
                  to commercial real estate to be used by NAI Direct. A copy of
                  the form of License Agreement (the "WWWX LICENSE AGREEMENT")
                  is attached hereto as EXHIBIT 3.1.

         3.2      WWWX will loan $1,000,000 to NAI Direct as required to meet
                  its working capital needs beginning on the Closing Date (as
                  defined in the Exchange Agreement.) At the time of Closing,
                  such funding will be deposited in a separate account in the
                  name of WWWX to be used only for NAI Direct. Disbursements
                  from that account, pursuant to the Loan Agreement, will be
                  made to NAI Direct on the authority of the President or CEO of
                  NAI Direct, or their designee, and the CFO of WWWX or his
                  designee. Such authority will be granted as long as the
                  subject disbursement is in accordance with the budgets adopted
                  by the Board of Directors of NAI Direct or is necessary for
                  actual expenses of NAI Direct which may vary not more than 20%
                  monthly and year-to-date from budgets approved by the Board of
                  Directors, without the additional approval by the Board of
                  Directors. A copy of the Loan Agreement (the "LOAN AGREEMENT")
                  is attached hereto as EXHIBIT 3.2.

         3.3      In addition to its obligations under SECTION 3.2, within 18
                  months of the Closing Date, WWWX will provide or obtain
                  funding as required to meet NAI Direct's working capital needs
                  in a total amount equal to $4,000,000 in the form of a loan on
                  commercially reasonable terms, or otherwise

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                  provided that NAI's equity interest may not be diluted until
                  after there has been an equity investment of at least
                  $5,000,000 in NAI Direct.

         3.4      NAI will license software to NAI Direct as listed on SCHEDULE
                  3.4 (the "NAI LICENSED SOFTWARE") for which NAI Direct will
                  pay a monthly royalty fee in an amount equal to 5% of NAI
                  Direct's gross revenue for the preceding month. A copy of the
                  form of License Agreement (the "NAI LICENSE AGREEMENT") is
                  attached hereto as EXHIBIT 3.4.

         3.5      Beginning on the Launch, NAI will place all of its member
                  listings, i.e., commercial real estate listings currently
                  available or that may become available to NAI Member Brokers
                  through NAI's Member Website, on NAI Direct's web site(s) and
                  will encourage all NAI Member Brokers to place all of their
                  local commercial real estate listings on NAI Direct's web
                  site(s). NAI's commitment to NAI Direct are contained in the
                  form of the agreement in EXHIBIT 3.4. For purposes of this
                  SECTION 3.5, "Launch" means that date on which NAI Direct's
                  Board of Directors has determined that NAI Direct's website
                  has achieved the level of functionality to meet the minimum
                  technical specifications for operation and is currently
                  available to the public.

         3.6      All internet commercial real estate software developed by any
                  of the Parties shall be the property of NAI Direct or
                  exclusively licensed to NAI Direct when developed without
                  additional cost to NAI Direct. All improvements by the Parties
                  to the internet commercial real estate software or commercial
                  real estate software purchased shall be the property of NAI
                  Direct or exclusively licensed to NAI Direct without
                  additional cost to NAI Direct. Any other use of such software
                  must be pursuant to an arms-length license agreement with NAI
                  Direct.

4.       MANAGEMENT OF REAL QUEST

         4.1      The Board of Directors of RQ will consist of five Directors,
                  with two Directors to be designated by NAI and two Directors
                  to be designated by WWWX. The fifth Director will be selected
                  by agreement of NAI and WWWX and will serve until his or her
                  successor is elected and qualified.

         4.2      The Parties agree to cause RQ to adopt By-laws in the form
                  attached as EXHIBIT 4.2.

         4.3      The Board of Directors of RQ shall meet no less frequently
                  than every two months or as may be determined by the Board or
                  reflected in RQ's By-laws.

         4.4      Gerald C. Finn will be the initial Chief Executive Officer of
                  RQ; Jeffrey Finn will be the initial President of RQ. Other
                  initial officers will be elected by the Board of Directors of
                  RQ.

<PAGE>

         4.5      Employment agreements (the "EMPLOYMENT AGREEMENTS") shall be
                  executed between each of Gerald C. Finn and Jeffrey Finn
                  (collectively the "KEY EMPLOYEES") and NAI Direct in the form
                  of EXHIBIT 4.5.

         4.6      Except as otherwise contemplated by or discussed in this
                  Agreement, the following actions by RQ will require approval
                  of the Board of Directors of RQ:

                  (1)      Amend, alter or repeal any of the provisions of the
                           Certificate of Incorporation or the By-Laws of RQ;

                  (2)      Authorize or create, or increase the number of
                           authorized shares of any stock of any class, or any
                           security convertible into stock of a class;

                  (3)      Adopt and implement any strategic and operating plans
                           that materially change the business of RQ or that
                           involve the entry of RQ into a business not currently
                           conducted by RQ, except as contemplated by this
                           Agreement;

                  (4)      Make or commit any capital expenditures of amounts
                           exceeding in the aggregate 20% of RQ's net worth;

                  (5)      Reorganize, recapitalize, register its stock under
                           the U.S. Federal securities laws, enter, offer or
                           sell, convey, or otherwise dispose of or encumber all
                           or substantially all of its property or business or
                           merge into or consolidate with any other corporation
                           (other than a wholly owned subsidiary corporation) or
                           effect any transaction or series of related
                           transactions in which more than 50% of the voting
                           power of RQ is disposed of;

                  (6)      Redeem, purchase or otherwise acquire, directly or
                           indirectly any shares of RQ's capital stock or any
                           option, warrant or other right to purchase or acquire
                           any such shares;

                  (7)      Grant or issue any stock options or other convertible
                           securities at below fair market value on the date of
                           grant;

                  (8)      Declare or pay any dividend or other distribution
                           (whether in cash, stock or other property) with
                           respect to RQ's capital stock;

                  (9)      Except in the ordinary course of RQ's business,
                           voluntarily sell, transfer, surrender, abandon or
                           dispose of any of its assets or property rights
                           (tangible or intangible) valued in excess of
                           $250,000;

                  (10)     Except in the ordinary course of RQ's business, grant
                           or make any mortgage or pledge or subject RQ or any
                           of its properties or assets to any lien, charge or
                           encumbrance of any kind, except liens for taxes not
                           currently due;

                  (11)     Create, incur, or assume any liability or
                           indebtedness in an aggregate amount exceeding 20% of
                           RQ's net worth;

                  (12)     Guaranty the obligation of any third party;

<PAGE>

                  (13)     Grant any increase in the compensation payable or to
                           become payable to directors or officers (including,
                           without limitation, any such increase pursuant to any
                           bonus, pension, profit-sharing, incentive option or
                           other plan or commitment) that is 20% greater than
                           the prior year;

                  (14)     Alter the manner of keeping its books, accounts or
                           records, or change in any manner the accounting
                           practices therein reflected;

                  (15)     Enter into any commitment or transaction other than
                           in the ordinary course of business valued in excess
                           of $250,000;

                  (16)     Amend or agree to any amendment of the NAI Direct
                           Shareholders' Agreement.

                  Approval of any of the actions listed in items 1, 2, 3, 5, 6,
                  7, 9, 10, 14, or 16 will require the approval of at least
                  3/4 of the Directors of RQ.

5.       REVENUE GOAL

         5.1      In the event that NAI Direct has not received cumulative gross
                  revenues of at least $2,000,000 within 24 months of the
                  Launch, (the "REVENUE GOAL"), the Escrow Agreement shall be
                  terminated and the WWWX shares held in escrow shall be
                  returned to WWWX. If the Revenue Goal is achieved, the Escrow
                  Agreement shall be terminated and the WWWX shares held in
                  escrow shall be distributed to NAI.

6.       LOCK-UP

         6.1      Until a date that is 18 months from the Closing Date, neither
                  Party may sell, transfer, assign or in any way encumber any
                  portion of its equity interest in RQ without the written
                  consent of the other.

         6.2      In the event any shareholder receives a bona fide offer to
                  purchase its RQ shares from an independent third party, such
                  shareholder shall give the other shareholder notice of such an
                  offer and provide a copy thereof. Such other shareholder shall
                  have the option to elect within 10 days following such notice
                  to purchase such shareholder's shares under the same terms and
                  conditions as the offer.

         6.3      In the event WWWX receives an offer for all or substantially
                  all of its shares in RQ, WWWX shall give prompt notice to NAI
                  of such offer and the terms thereof, and shall provide NAI
                  with a copy of any such offer. NAI shall have the option to
                  give notice (a "TAG-ALONG NOTICE") not later than 10 days
                  prior to the closing of the sale by WWWX, pursuant to which
                  NAI may require WWWX to give notice to the purchaser that as
                  part of the same transaction and as a condition thereto, NAI's
                  shares shall be purchased for the same consideration and
                  otherwise on the same terms and conditions upon which WWWX
                  will sell its shares to purchaser. If the

<PAGE>

                  purchaser does not wish to purchase a greater interest in RQ
                  than contained in its offer to WWWX, then such purchaser must
                  purchase such interest on a pro rata basis in relation to each
                  shareholder's interest in RQ from WWWX and NAI. In the event
                  purchaser does not purchase NAI's shares as identified in the
                  Tag-Along Notice in accordance with this SECTION 6.3, the sale
                  by WWWX of its shares shall be voidable at the sole option of
                  NAI.

7.       PROPRIETARY INFORMATION

         7.1      The Parties to this Agreement have been or may be exposed to
                  patents, software, trade secrets, financial information,
                  vendor and supplier lists, personnel policies, methods of
                  doing business, and other confidential business information
                  (the "PROPRIETARY INFORMATION"). Each Party agrees to keep
                  such Proprietary Information confidential. Each Party agrees
                  not to use or disclose such Proprietary Information, except in
                  furtherance of the business of RQ or NAI Direct. The Parties
                  acknowledge that improper disclosure of use will cause the
                  other Party irreparable harm, and that the appropriate Party
                  is entitled to injunctive relief for any breach, as well as an
                  action for monetary damages for any loss.

8.       RESTRICTIVE COVENANT

         8.1      During the term of this Agreement and for a period of two (2)
                  years after a Party ceases to be a shareholder in RQ such
                  Party agrees to refrain from becoming a shareholder in,
                  consultant, employee, officer, director, owner, partner or in
                  any other manner, becoming connected with, a business that is
                  competitive with the internet-based commercial real estate
                  business of RQ or NAI Direct, except that neither Party shall
                  be barred by this provision from continuing its current
                  business activities. Nothing contained herein shall prevent
                  either Party from engaging or participating in any internet
                  based commercial real estate enterprise so long as such
                  enterprise does not compete with RQ or NAI Direct in any of
                  its principal activities. In particular, the parties recognize
                  that NAI listings currently appear on loopNet.com, a
                  commercial real estate listing service and the appearance of
                  NAI listings on loopNet.com shall not be construed to be
                  violative of the restrictive covenant in this SECTION 8.1.
                  This covenant shall terminate upon the dissolution of RQ.

         8.2      The Parties acknowledge that a violation of this covenant will
                  cause RQ and/or NAI Direct irreparable harm, and that RQ or
                  NAI Direct is entitled to injunctive relief for any breach, as
                  well as an action for monetary damages for any loss.

         8.3      In the event of a violation of the terms of ARTICLE 7 OR 8 of
                  this Agreement, the violating parties shall be liable to the
                  damaged party for reasonable attorneys fees, expert fees and
                  court costs.

<PAGE>

9.       DEFAULT

         9.1      The following events shall constitute a default hereunder:

                  9.1.1    The failure of either Party to meet its obligations
                           as set out in ARTICLE 3 hereof, provided that the
                           other Party, RQ or NAI Direct shall have given
                           written notice of such default and the defaulting
                           party may cure such default within 30 days of the
                           delivery of notice;

                  9.1.2    Any material breach by WWWX of

                           (a)      the WWWX License Agreement or

                           (b)      the Loan Agreement

                  9.1.3    Any material breach by NAI of

                           (a)      the NAI License Agreement or

                           (b)      the NAI Agreement

                  9.1.4    Any action by WWWX which causes or constitutes Good
                           Reason (as such terms are defined in the Employment
                           Agreements) for either Key Employee to terminate
                           either Employment Agreement.

         9.2      In the event of a default as defined above, and the defaulting
                  party shall have failed to cure the default within 30 days of
                  the delivery of notice to the defaulting party, in lieu of any
                  other remedies at law or in equity, the non-defaulting Party
                  may terminate this Agreement pursuant to this ARTICLE 9 and
                  neither Party will be bound further by the terms of ARTICLES 7
                  AND 8 hereof.

         9.3      In the event of a default by WWWX under SECTION 9.1.1 or a
                  default under SECTION 9.1.2 OR 9.1.4 and the passage of the
                  time required by SECTION 9.2, following the payment by RQ and
                  NAI Direct of all debts to creditors other than the Parties,
                  RQ and NAI Direct will be dissolved and

                  (a)      all assets other than those listed in SECTION 9.3(B),
                           including but not limited to all cash, accounts
                           receivable, furniture, fixtures, equipment, computer
                           hardware, and tangible property of RQ and NAI Direct
                           shall be distributed to WWWX;

                  (b)      all computer software, trade names, trade marks,
                           copyrights, and other intellectual property of RQ and
                           NAI Direct, including but not limited to the names
                           "Real Quest" and "NAI Direct", shall be distributed
                           to and become the property of NAI;

<PAGE>

                  (c)      the WWWX License Agreement and the NAI License
                           Agreement shall be terminated, and each Party shall
                           retain its right to use the property licensed to NAI
                           Direct, except that if NAI chooses to continue the
                           operations of NAI Direct, the WWWX License shall
                           continue in full force and effect at no charge to NAI
                           Direct or NAI for a period of 6 months from the
                           dissolution, after which time NAI Direct or NAI will
                           pay a license fee of not more than $50,000 per annum
                           for a non-exclusive license of the Technology if it
                           elects to continue the License Agreement.

                  (d)      The Escrow Agreement shall be terminated and the WWWX
                           shares held in escrow shall be distributed to NAI.

         9.4      In the event of a default by NAI under SECTION 9.1.1 or a
                  default under SECTION 9.1.4 and the passage of the time
                  required by SECTION 9.2, following the payment by RQ and NAI
                  Direct of all debts to creditors other than Parties, RQ and
                  NAI Direct will be dissolved and

                  (a)      all assets other than those listed in SECTION 9.4(B),
                           including but not limited to all cash, cash
                           equivalents, accounts receivable, furniture,
                           fixtures, equipment, computer hardware, and tangible
                           property of RQ and NAI Direct shall be distributed to
                           WWWX;

                  (b)      all computer software, trade names, trademarks,
                           copyrights and other intellectual property of RQ and
                           NAI Direct that was contributed by NAI, including but
                           not limited to the names "Real Quest" and "NAI
                           Direct" shall be distributed to and become the
                           property of NAI;

                  (c)      the WWWX License Agreement and the NAI License
                           Agreement shall be terminated, and each Party shall
                           retain its right to use the property licensed to NAI
                           Direct;

                  (d)      the Escrow Agreement shall be terminated and the WWWX
                           shares held in escrow shall be returned to WWWX.

10.      CHANGE IN CONTROL

         10.1     In the event of a proposed change in control, acquisition or
                  merger of WWWX in a transaction or series of transactions
                  where 34% or more of the voting securities of WWWX is obtained
                  by a third party or third parties acting in concert, NAI shall
                  have the right (a) to repurchase WWWX or the surviving
                  company's RQ shares, as the case may be, or (b) to put its
                  equity interest in RQ to WWWX or the surviving company, as the
                  case may be, at their fair market value and WWWX shall
                  purchase such shares at their fair market value. If NAI
                  exercises its right to put pursuant to (b) of the previous
                  sentence, WWWX or the surviving company, as the case may be,
                  may elect to purchase NAI's equity interest

<PAGE>

                  with either cash or its publicly-traded, unrestricted stock,
                  or a combination thereof.

                  If NAI exercises its rights under this SECTION 10.1, neither
                  Party will be bound by the provisions of SECTIONS 7 AND 8.

11.      MISCELLANEOUS

         11.1     GOVERNING LAW. THIS AGREEMENT SHALL BE CONSTRUED UNDER AND
                  GOVERNED BY THE INTERNAL LAWS OF THE STATE OF DELAWARE . THE
                  PARTIES AGREE TO WAIVE A JURY TRIAL IN ANY PROCEEDING BROUGHT
                  TO ENFORCE ANY OF THE TERMS OF THIS AGREEMENT.

         11.2     TERM. The term of this agreement shall remain in effect until
                  the earlier of:

                  1.       The consent of both parties;

                  2.       The occurrence of a default and termination pursuant
                           to ARTICLE 9; or

                  3.       The exercise by NAI of its rights under ARTICLE 10.

         11.3.    SURVIVAL. Nothing contained in this section shall affect or
                  impair any rights or obligations arising prior to the time of
                  termination of this Agreement or which may arise by an event
                  causing the termination of this Agreement. The covenants
                  contained in PARAGRAPHS 7 AND 8 above shall, except as
                  provided in ARTICLES 9 AND 10, survive the termination of this
                  Agreement.

         11.4.    NOTICE. Any notice or other communication shall be in writing
                  and shall be deemed effective:

                  (1)      Upon personal delivery, if delivered by hand and
                           followed by notice by mail of facsimile transmission;

                  (2)      Three (3) days after deposit in the United States
                           mail by certified or registered mail, return receipt
                           requested, postage prepaid;

                  (3)      The date of delivery by Federal Express or other
                           nationally recognized courier service.

<PAGE>

         TO WWWX:                         WorldWide Web NetworX Corporation
                                          521 Fellowship Road, Suite 130
                                          Mount Laurel, New Jersey  08045
                                          Attn:  President and CEO
                                          Fax Number:  (856) 914-0745

         with a copy to:                  Allan M. Cohen, Esq.
                                          General Counsel
                                          Fax Number:  (856) 914-0842

         TO NAI:                          New America Network, Inc.
                                          P.O. Box 950
                                          572 US Route 130
                                          Hightstown, NJ  08520
                                          Attn: Gerald C. Finn, Chairman and CEO
                                          Fax Number:  (609) 448-8126

         with a copy to:                  Edward J. Finn, Esq.
                                          General Counsel
                                          Fax Number: (410) 884-4072

         TO RQ:                           Real Quest, Inc.
                                          P.O. Box 950
                                          572 US Route 130
                                          Hightstown, NJ  08520

         with a copy to:                  Edward J. Finn, Esq.
                                          General Counsel
                                          Fax Number: (410) 884-4072

or to such other address of which any party may notify the other parties as
provided above.

         11.5     AMENDMENT. This agreement may only be amended by an instrument
                  in writing signed by the Parties.

         11.6     SEVERABILITY. If any provision of this Agreement or the
                  application thereof to any person or circumstances shall for
                  any reason or to any extent, be invalid or unenforceable, the
                  remainder of this Agreement and the application of that
                  provision to other persons or circumstances shall not be
                  affected, but rather, shall be enforced to the extent
                  permitted by law.

         11.7     ENTIRE AGREEMENT. This Agreement and the agreements
                  specifically referenced in this Agreement constitute the
                  entire agreement between the Parties and incorporate all prior
                  discussions, negotiations and agreements.

         11.8     SUCCESSORS AND ASSIGNS. Except as otherwise provided herein,
                  this Agreement may not be assigned by either Party without the
                  prior written consent of the other Party. This Agreement shall
                  be binding upon and

<PAGE>

                  inured to the benefit of the parties hereto, their respective
                  successors, heirs, permitted assigns and legal
                  representatives. In the event of a transfer of the shares of
                  stock in accordance with this Agreement, the selling
                  shareholder acknowledges that the transfer shall not be
                  effective until such time as the purchasing party acknowledges
                  that it shall be bound by the terms and conditions of this
                  Agreement.

IN WITNESS WHEREOF, the parties hereto have set their hands as of the date first
above written.

                                    WORLDWIDE WEB NETWORX CORPORATION

                                    BY:  //S// ROBERT D. KOHN
                                         ------------------------------
                                         Name: Robert D. Kohn
                                         Title: President and CEO

                                    NEW AMERICA NETWORK, INC.

                                    BY: //S// GERALD C. FINN
                                        -------------------------------
                                        Name: Gerald C. Finn
                                        Title: Chairman and CEO

                                    REAL QUEST, INC.

                                    BY:  //S// GERALD C. FINN
                                         ------------------------------
                                         Name: Gerald C. Finn
                                         Title: President

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