Exhibit 10.3

                                 PROMISSORY NOTE


$10,000.00                                           Date November 27, 2000

     For value received,  the undersigned  GetToner.com (the "Borrower"),  at 30
Hillside Avenue, Springfield,  New Jersey 07081, promises to pay to the order of
American Precious Metals,  Inc., (the "Lender"),  at 260 Garibaldi Avenue, Lodi,
New Jersey  07644,  (or at such  other  place as the  Lender  may  designate  in
writing) the sum of  $10,000.00  with  interest  from  November 27, 2000, on the
unpaid principal at the rate of 12% per annum.

     Unpaid  principal after the Due Date shown below shall accrue interest at a
rate of 18% annually until paid.

     The  unpaid  principal  and  accrued  interest  shall be payable in full on
November 27, 2002 (the "Due Date").

     All  payments  on this Note  shall be  applied  first in payment of accrued
interest and any remainder in payment of principal.

     If the  principal  and  accrued  interest  are  paid in  full on or  before
November 27, 2001,  the Borrower  shall be entitled to a discount equal to 0.00%
of the unpaid principal immediately prior to such payment.

     If any  installment is not paid when due, the remaining  unpaid balance and
accrued interest shall become due immediately at the option of the Lender.

     The  Borrower  reserves the right to prepay this Note (in whole or in part)
prior to the due date with no prepayment penalty.

     If any  payment  obligation  under  this  Note is not paid  when  due,  the
Borrower promises to pay all costs of collection,  including reasonable attorney
fees, whether or not a lawsuit is commenced as part of the collection process.

     If any of the following  events of default  occur,  this Note and any other
obligations of the Borrower to the Lender, shall become due immediately, without
demand or notice

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     1) the  failure  of the  Borrower  to pay the  principal  and  any  accrued
        interest in full on or before the Due Date;

     2) the death of the Borrower(s) or Lender(s);

     3) the filing of bankruptcy proceedings involving the Borrower as a Debtor;

     4) the application for appointment of a receiver for the Borrower;

     5) the making of a general  assignment  for the  benefit of the  Borrower's
        creditors;

     6) the insolvency of the Borrower; or

     7) the  misrepresentation  by the Borrower to the Lender for the purpose of
obtaining or extending credit.

     In addition, the Borrower shall be in default if there is a sale, transfer,
assignment,  or any other  disposition of any assets pledged as security for the
payment of this Note, or if there is a default in any security  agreement  which
secures this Note.

     Borrower is required to maintain term life insurance  payable to the Lender
in an amount sufficient to pay the principal and accrued interest in full in the
event of Borrower's death.

     If any one or more of the  provisions  of this  Note are  determined  to be
unenforceable,  in whole or in part,  for any reason,  the remaining  provisions
shall remain fully operative.

     All  payments of  principal  and interest on this Note shall be paid in the
legal currency of the United States.  Borrower  waives  presentment for payment,
protest, and notice of protest and nonpayment of this Note.

     No renewal or extension of this Note,  delay in enforcing  any right of the
Lender under this Note,  or  assignment  by Lender of this Note shall affect the
liability  of the  Borrower.  All  rights  of the  Lender  under  this  Note are
cumulative and may be exercised  concurrently or  consecutively  at the Lender's
option.

     This Note shall be  construed in  accordance  with the laws of the State of
New Jersey.

                Signed this 27th day of November, 2000,


                Borrower
                GetToner.com


                By:/s/Dominic Taglialatella
                ---------------------------
                      Dominic Taglialatella


                By:/s/Anthony Lauro
                -------------------
                      Anthony Lauro


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ASSIGNMENT

[ONLY COMPLETE THE FOLLOWING INFORMATION TO ASSIGN PAYMENTS TO A NEW PARTY.]

For value received, the above Note is assigned and transferred to


____________________________________________, ("Assignee") of


_________________________, _________________________,
(City)                        (State/province)

________________________.
        (County)

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