>>>what is the dbf format to hold an image
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>>My best advice is to NOT store the image in the dbf. Instead you should keep the images separate, and only store their name in the dbf, with or without a relative (or fixed) path.
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>But I want to convert the file to an HTM file which includes the image and send the file to a client

If you use the solution I suggested, a report, you can use separate images. Including the images in the dbf will make you reach VFP's file size limit very quickly.