1) if you are sending email from the database, the attachment needs to be available on the database either as a temporary blob passed from the client, a bfile, a blob in a table....
utl_file would not be used?
2) your client VB application, using the power of SQL -- can actually send blob data to the database :)
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http://docs.oracle.com/docs/cd/B10501_01/appdev.920/a96591/toc.htm <code>
(your vb client could probably send the email too)