0001116502-02-000888 Sample Contracts

LOAN AGREEMENT
Loan Agreement • July 1st, 2002 • Phone1globalwide Inc • Blank checks • New York
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WITNESSETH
License Agreement • July 1st, 2002 • Phone1globalwide Inc • Blank checks • Florida
CHANGE IN TERMS AGREEMENT (Continued)
Change in Terms Agreement • July 1st, 2002 • Phone1globalwide Inc • Blank checks • Florida

References in the shaded area are for Lender's use only and do not limit the applicability of this document to any particular loan or item. Any item above containing ***** has been omitted due to text length limitations.

NOTE $1,250,000 New York, NY May 8, 2001
Phone1globalwide Inc • July 1st, 2002 • Blank checks

THIS NOTE MAY NOT BE TRANSFERRED, SOLD, PLEDGED OR OTHERWISE DISPOSED OF EXCEPT IN ACCORDANCE WITH ALL APPLICABLE FEDERAL AND STATE SECURITIES LAWS.

NOTE
Phone1globalwide Inc • July 1st, 2002 • Blank checks

THIS NOTE MAY NOT BE TRANSFERRED, SOLD, PLEDGED OR OTHERWISE DISPOSED OF EXCEPT IN ACCORDANCE WITH ALL APPLICABLE FEDERAL AND STATE SECURITIES LAWS.

NOTE ----
Phone1globalwide Inc • July 1st, 2002 • Blank checks • Florida

We refer to the Overdraft Facility dated as of March 27, 2002 between Phone 1, Inc. and GNB Bank Panama S.A. (the "Overdraft Facility"), a copy of which is attached.

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