EXHIBIT 10.3

                                 PROMISSORY NOTE

                                       AND

                                 LOAN AGREEMENT

                                     BETWEEN

                                 GO! AGENCY, LLC

                                       AND

                            SIGN MEDIA SYSTEMS, INC.



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PROMISSORY NOTE

$100,000                                                      Sarasota, Florida
                                                              September 24 2002

         FOR VALUE RECEIVED, Sign Media Systems, Inc., a Florida Corporation
("Borrower"), promises to pay to the order of GO Agency, LLC, a Florida limited
liability company ("Lender"), during regular business hours at Lender's office
at 1623 West University Parkway Sarasota, Fl 34243 or such other place as Lender
may from time to time designate, the principal sum of One Hundred Thousand and
No/100 Dollars ("Loan"), or so much thereof as may be advanced or re-advanced to
Borrower by Lender under the Loan Agreement between Borrower and Lender of even
date herewith ("Loan Agreement"), with interest thereon at the rate or rates
specified below until paid in full, and any and all other sums which may be
owing to Lender by Borrower pursuant to this Promissory Note ("Note"), in
accordance with the provisions set forth herein. This Note is unsecured. This
Note evidences a revolving line of credit.

1.       PRIMARY BUSINESS TERMS

         1.1. Maturity Date. The final and absolute maturity date of this Note
("Maturity Date") shall be September 24, 2005, provided, however, if Borrower
requests one or more advances (each an "Advance") of proceeds of the Loan ("Loan
Proceeds") within the last ninety (90) days prior to the Maturity Date, the
Maturity Date for such Advances ("Late Advance") shall be extended; provided
further, however, such Late Advance is to be repaid within ninety (90) days of
the date of such Late Advance.

         1.2. Interest Rate. From the date of this Note until all sums owed on
this Note are paid in full, interest shall accrue on the principal balance
outstanding under this Note at Eighteen percent (18%) per annum.

         1.3. Payment. Borrower shall make a payment to Lender of accrued and
unpaid interest only on October 1, 2002, and on the first calendar day of each
succeeding calendar quarter. Except as provided for in this Section 1.3, on the
Maturity Date, Borrower shall pay in full all sums due under this Note,
including principal, interest, charges and fees. If Borrower has requested a
Late Advance, Borrower shall make a payment of interest on such Late Advance on
the first day of each month after such Late Advance and the Maturity Date for
such Late Advances shall be ninety (90) days after the date of the Late Advance;
on the Maturity Date for such Late Advance, Borrower shall pay in full all sums
due under this Note for such Late Advance, including principal, interest,
charges and fees. All payments made under this Note shall be made by such form
of check, draft or other instrument as may be approved from time to time by
Lender, and shall be payable in lawful money of the United States of America,
which shall be legal tender in payment of all debts and dues, public and
private, at the time of payment. All payments made under this Note shall be
applied first to late charges or other sums owed to Lender, next to accrued
interest, and then to principal, or in such other order or proportion as Lender,
in Lender's sole discretion, may elect from time to time.

         1.4. Late Charge. If any payment due under this Note is not received by
Lender within fifteen (15) calendar days after its due date, Borrower shall pay
a late charge equal to 5% of the amount then due.

         1.5. Prepayment. Borrower may prepay this Note in whole or in part at
any time or from time to time without premium or additional interest. All
prepayments shall be applied to principal in the inverse order of scheduled
maturities.

2.       DEFAULT AND REMEDIES

         2.1. Events of Default. Each of the following shall constitute an event
of default under this Note ("Event of Default"):

                  (a). A default in the payment of any sum due under this Note.

                  (b). A default in the performance of any of the covenants,
conditions or terms of the Loan Agreement, or any other agreement or document
executed by Borrower or any other person for the benefit of Lender or any holder
in connection with the Loan (collectively with the Loan Agreement the "Loan
Documents").

         2.2. Remedies. Upon the occurrence of an Event of Default, in addition
to all other rights and remedies available to Lender under the Loan Documents
and applicable law, Lender shall have the following rights and remedies:

                  (a). Acceleration. Lender, in Lender's sole discretion and
without notice or demand, may declare the entire principal balance outstanding
under this Note, plus accrued interest and all other sums owed under this Note,
immediately due and payable; reference is made to the Loan Documents for further
and additional rights on the part of Lender to declare the entire balance
outstanding under this Note, plus accrued interest and all other sums owed under
this Note, immediately due and payable.

                  (b). Default Interest Rate. Lender, in Lender's sole
discretion and without notice or demand, may raise the rate of interest accruing
on the principal balance outstanding under this Note to the highest rate allowed
by applicable law, independent of whether the Lender elects to accelerate the
principal balance outstanding under this Note.

         2.3. Expenses of Collection and Attorneys' Fees. If this Note is
referred to an attorney for collection, whether or not suit has been filed,
Borrower shall pay all of Lender's costs, fees and expenses, including
reasonable attorneys' fees, resulting from such referral.

3.       MISCELLANEOUS

         3.1. Assignability. This Note may be assigned by Lender or any holder
at any time or from time to time. This Note shall inure to the benefit of and be
enforceable by Lender and Lender's successors and assigns and any other person
to whom Lender or any holder may grant an interest in Borrower's obligations
under this Note, and shall be binding and enforceable against Borrower and
Borrower's personal representatives, successors and assigns.

         3.2. Negotiable Instrument. Borrower agrees that this Note shall be
deemed a negotiable instrument even if this Note would not qualify under
applicable law, absent this Section, as a negotiable instrument.

         3.3. Joint and Several Liability. All liabilities under this Note shall
be joint and several.

         3.4. Choice of Law. This Note shall be governed by the laws of the
State of Florida (excluding principals of conflicts of law). The parties agree
that for choice of law purposes this Note shall be deemed entered into and
performed in the State of Florida.

         3.5. Unconditional Obligations. Borrower's obligations under this Note
shall be the absolute and unconditional duty and obligation of Borrower and
shall be independent of any rights of set-off, recoupment or counterclaim which
Borrower might otherwise have against the holder of this Note, and Borrower
shall pay absolutely the payments of principal, interest, fees and expenses
required under this Note, free of any deductions and without abatement,
diminution or set-off.

         3.6. Tense; Gender; Section Headings. In this Note, the singular
includes the plural and vice versa; and each reference to any gender also
applies to any other gender. The section headings are for convenience only and
are not part of this Note.

         3.7. Time. Time is of the essence of this Note.

4.       CONSENTS AND WAIVERS

         4.1. Waiver of Presentment, Etc. Borrower waives presentment, notice of
dishonor and protest.

         4.2. Consent to Extensions, Etc. From time to time, without affecting
any of the obligations of Borrower under this Note, without giving notice to or
obtaining the consent of Borrower, and without liability on the part of Lender,
Lender may, at Lender's option, extend the maturity of this Note, or any payment
due under this Note, reduce the amount of any payments under this Note, release
anyone liable on any amount due under this Note, accept a renewal of this Note,
modify the terms of payment of any amounts due under this Note, join in any
extension or subordination agreement, release any security for the Note, or take
or release any other or additional security.

         4.3. Jury Trial Waiver. Borrower and Lender (by acceptance of this
Note) jointly waive trial by jury in any action or proceeding to which Borrower
and any holder of this Note may be parties, arising out of or in any way
pertaining to this Note or any of the other Loan Documents. It is agreed and
understood that this waiver constitutes a waiver of trial by jury of all claims
against all parties to such actions or proceedings, including claims against
parties who are not parties to this Note. This waiver is knowingly, willingly
and voluntarily made by Borrower, and Borrower hereby represents that no
representations of fact or opinion have been made by any individual to induce
this waiver of trial by jury or to in any way modify or nullify its effect.

         IN WITNESS WHEREOF, Borrower has duly executed this Note under seal as
of the date first written above.

                                    BORROWER:

                                    Sign Media Systems, Inc.

                                    By:  /s/ Antonio F. Uccello (SEAL)
                                    Antonio F. Uccello, III
                                    Treasurer
                                    Chief Financial Officer

LOAN AGREEMENT

         THIS LOAN AGREEMENT is made this 24th day of September, 2002 by and
between Sign Media Systems, Inc., a Florida corporation (collectively
"Borrower"), and GO! Agency, a Florida limited liability company, a Florida
corporation ("Lender").

Recitals

         Borrower is engaged in the business of advertising and custom signage.
Borrower has requested certain credit accommodations from Lender, consisting of
a revolving line of credit in the maximum principal amount of $100,000 ("Loan"),
the proceeds of which will be used as working capital. Lender has agreed to make
the Loan upon and subject to the terms, conditions, and provisions of this Loan
Agreement.

Agreements

         NOW, THEREFORE, in consideration of these premises, and other good and
valuable consideration, the receipt and adequacy of which are hereby
acknowledged, Borrower and Lender agree as follows:

1.       DEFINITIONS AND GENERAL RULES OF CONSTRUCTION

         1.1. Definitions. In this Agreement, all defined terms shall be
capitalized and shall have the meanings given on Exhibit A attached hereto and
made a part of this Agreement.

         1.2. Tense; Gender; Section Headings. In this Agreement, the singular
includes the plural and vice versa. Each reference to any gender also applies to
any other gender. The section headings are for convenience only and are not part
of this Agreement.

2.       ADVANCE PROCEDURES

         2.1. Procedure for Advances of Loan Proceeds. Subject to compliance by
Borrower with all of the terms, provisions, and conditions of this Agreement and
the fulfillment of the conditions to advances set forth in Section 3.1 of this
Agreement, Lender shall advance the Loan Proceeds to Borrower in several
advances in accordance with the following procedures:

                  (a) Requisition. At least two (2) banking days before the date
on which Borrower desire an advance, Borrower shall submit to Lender a
requisition for an advance of Loan Proceeds.

                  (b) Limitations. Notwithstanding the foregoing, Lender shall
not be required to advance Loan Proceeds more than bi-weekly.

         2.2. Liability of Lender. Lender shall not be responsible or liable to
any person other than Borrower for the advance of the Loan Proceeds and no third
party, shall have any right or claim against Lender under this Agreement because
of the administration thereof.

         2.3. Not Assignable. The Loan Proceeds shall not be assignable by
Borrower nor subject to the process of any court upon legal action by or against
Borrower or by or against anyone claiming under or through Borrower.

3.       CONDITIONS TO ADVANCES

         3.1. Conditions to all Advances. Lender shall not make any advance
until and unless all of the following conditions precedent shall have been and
shall continue to be fully satisfied:

                  (a) Loan Documents. Lender has received all of the documents,
instruments, and agreements required by Lender in connection with the Loan,
including without limitation this Agreement and the Note.

                  (b)      Requisition.  Borrower shall have delivered to Lender
a requisition  meeting the requirements of Section 2.1 of this Agreement.

                  (c) No Event of Default. No Event of Default, or event which
upon notice or the lapse of time, or both, would constitute an Event of Default,
shall have occurred.

         3.2. Conditions for Benefit of Lender. All conditions to the making of
advances are imposed solely and exclusively for the benefit of Lender, and no
person other than Lender and its agents shall have standing to require
satisfaction of such conditions, or be entitled to assume that Lender will or
will not make advances in the absence of strict compliance with such conditions.

4.       REPRESENTATIONS AND WARRANTIES

         4.1. Representations and Warranties. Borrower represents and warrants
to Lender as follows:

                  (a) Organization and Authority. Sign Media Systems, Inc. is a
corporation duly organized, validly existing, and in good standing under the
laws of the State of Florida and authorized to carry out business as a
corporation in the State of Florida. Borrower has the power and authority to
consummate the transactions contemplated hereby, and has taken all necessary
action to authorize the execution, delivery, and performance of this Agreement
and the other Loan Documents executed and delivered by it.

                  (b) Litigation. There are no actions, suits, or proceedings
pending or, to the knowledge of Borrower, threatened against Borrower at law or
in equity or before or by any governmental authority except actions, suits, and
proceedings against Borrower fully covered by insurance or which, if adversely
determined, would not substantially impair the ability of Borrower to pay when
due the Liabilities and all other amounts which may become payable under the
provisions of the Loan Documents. To Borrower's knowledge, neither Borrower nor
any guarantor of the Loan is in default with respect to any order, writ,
injunction, decree, or demand of any court or any governmental authority.

                  (c) No Breach of Other Agreements. The consummation of the
transactions contemplated by this Agreement and the performance of this
Agreement and the other Loan Documents will not result in any breach of, or
constitute a default under, any mortgage, deed of trust, lease, loan or credit
agreement, or any other instrument to which either Borrower is a party or by
which Borrower may be bound or affected.


         4.2. Continuing Nature of Representations and Warranties. Each
requisition shall constitute an affirmation that the representations and
warranties of Borrower set forth in Section 4.1 of this Agreement are true and
correct as of the date of the requisition.

5.       COVENANTS

         5.1. Safeguards as to Application of Funds. At any time reasonably
requested by Lender, whether or not Borrower is requesting an advance of Loan
Proceeds, Borrower shall submit to Lender any of the items listed as conditions
to advances or withdrawals in Section 3 of this Agreement, all of which shall be
in form and substance satisfactory to Lender.

         5.2. Books and Records. Borrower shall keep adequate records and books
of account with respect to its business in accordance with generally accepted
accounting principles consistently applied, and shall permit the Lender, and its
agents, accountants, and attorneys, to examine such records and books of account
and to discuss the affairs, finances, and accounts pertaining thereto with
representatives and agents of Borrower at such times as may be requested by
Lender.

         5.3. Reporting Requirements. Borrower shall submit to Lender: (a)
within 90 calendar days after the end of each calendar year, annual financial
statements of Borrower (including balance sheet, income statement, statement of
contingent liabilities and cash flow analysis), in form and substance acceptable
to Lender; (b) within 30 calendar days after the end of each quarter, quarterly
financial statements of Borrower (including balance sheet, income statement,
statement of contingent liabilities and cash flow analysis), in form and
substance acceptable to Lender; (c) within 30 calendar days after filing, copies
of all federal and state income tax returns of Borrower; and (d) such other
information as Lender may request in Lender's sole discretion. Lender shall have
the right, in Lender's sole discretion, to require that all annual financial
statements be audited by an independent certified public accountant. The costs
of submitting all financial statements and other reports required by this
Section shall be paid by Guarantor.

         5.4. Organization. Borrower shall remain a corporation duly organized
and existing in good standing under the laws of the State of Florida.

         5.5. Compliance with Laws. Borrower shall comply with all laws
governmental regulations necessary for it to carry on its business.

         5.6. Litigation. Borrower shall promptly notify Lender of any action or
prospective claim or litigation, including tax deficiencies and other
governmental regulatory proceedings, which may be threatened or asserted against
Borrower which would materially affect the Borrower's business.

         5.7. Performance Under Other Loan Documents. Borrower shall fulfill all
conditions and perform all of the terms and conditions of this Agreement and the
other Loan Documents.

         5.8. Indemnification. Borrower shall defend, indemnify, and hold
harmless Lender from claims which may be asserted by reason of or in connection
with the transactions contemplated by this Agreement.

         5.9. Further Assurances and Corrective Instruments. Borrower, upon
request by Lender from time to time, shall execute and deliver, or cause to be
executed and delivered, such supplements to this Agreement and such further
instruments as may be required by Lender for carrying out the intention of the
parties to, or facilitating the performance of, this Agreement. If Borrower
fails to execute any such document within 10 calendar days after a request by
Lender, Borrower hereby appoints Lender or any officer of Lender as Borrower's
attorney in fact for purposes of executing such document in Borrower's name,
which power of attorney is coupled with an interest and irrevocable.

6.       SECURITY INTEREST

There is no collateral for this Note.

7.       DEFAULT AND REMEDIES

         7.1. Events of Default. The occurrence of any of the following events
shall constitute an Event of Default under this Agreement and under the other
Loan Documents:

                  (a) Failure to Pay. Borrower fails to pay when due any of the
Liabilities.

                  (b) Failure to Perform. Borrower fails to perform or observe
any covenant or agreement contained in this Agreement.

                  (c) Default Under Other Loan Documents. An event of default
(as defined therein) occurs under any of the other Loan Documents.

                  (d) Failure of Representation or Warranty. Any representation
or warranty made by Borrower in this Agreement proves to have been incorrect in
any material respect.

         7.2. Remedies of Lender. Upon the occurrence of any Event of Default,
in addition to all other rights and remedies available to Lender under the Loan
Documents and applicable law, Lender shall have the following rights and
remedies:

                  (a) Acceleration. Lender may declare the Note and all other
Liabilities to be immediately due and payable.

                  (b) No Further Advances or Withdrawals. Lender may refuse to
make any further advance of Loan Proceeds.

                  (c) Restriction on Advances. Lender may restrict advances of
Loan Proceeds to such amounts and for such purposes as Lender deems appropriate
under the circumstances then prevailing.

                  (d) Other. Lender may pursue such other remedies provided for
in the Loan Documents or permitted by law, which Lender may deem appropriate, it
being specifically understood and agreed that any remedies may be exercised in
the alternative or cumulatively in the sole discretion of Lender.

8.       MISCELLANEOUS

         8.1. Notices. All notices, demands, requests and other communications
required under the Loan Documents shall be in writing and shall be deemed to
have been properly given if sent by hand delivery, Federal Express (or similar
overnight courier service), or by United States certified mail (return receipt
requested), postage prepaid, addressed to the party for whom it is intended at
its address hereinafter set forth:

         If to Lender:     GO! Agency, LLC,
                           a Florida limited liability company
                           1623 West University Parkway
                           Sarasota, FL 34243

         If to Borrower:   Sign Media Systems, Inc.
                           1623 West University Parkway
                           Sarasota, FL  34243

         Notice shall be deemed given as of the date of hand delivery, as of the
date specified for delivery if by overnight courier service or as of 2 calendar
days after the date of mailing, as the case may be.

         8.2. No Waiver. No failure by Lender to exercise and no delay in
exercising any right, power, privilege, or discretion under this Agreement shall
operate as a waiver thereof; nor shall any single or partial exercise of any
right, power, privilege, or discretion under this Agreement preclude any other
or further exercise thereof; nor shall any waiver thereof be effective unless in
writing and signed by the party waiving the same.

         8.3. Liability of Lender. Lender, by the acceptance and performance of
this Agreement, does not assume any liability, and Borrower hereby releases
Lender and any of its individual agents or employees from any such liability,
and no claim shall be made by Borrower upon Lender or such employees or agents
for or on account of any matter or thing in excess of the balance of the Loan
Proceeds not yet advanced to Borrower.

         8.4. Survival of Agreements. All agreements, covenants,
representations, and warranties of Borrower made in this Agreement shall survive
the making of the advances of Loan Proceeds under this Agreement.

         8.5. Successors. This Agreement shall be binding upon and inure to the
benefit of Borrower, its heirs, personal representatives, successors, and those
assigns approved in writing by Lender, and upon and to Lender, its successors
and assigns.

         8.6. Applicable Law. This Agreement is made, executed, and delivered in
the State of Florida, and Florida law (excluding principles of conflict of law)
shall govern its interpretation, performance, and enforcement.

         8.7. Assignment not Effective. Any attempted assignment or transfer of
Borrower's rights under this Agreement without the prior written consent of
Lender shall be void.

         8.8. Obligations of Borrower. Borrower's obligations and
representations under this Agreement shall be in addition to all obligations,
covenants, and representations made by or on behalf of Borrower in all other
documents delivered in connection with the Loan and the transactions
contemplated hereby.

         8.9. Time. Time is of the essence of all of Borrower's obligations
under this Agreement.

         8.10. Counterparts. This Agreement may be signed in counterparts, each
of which shall be deemed an original document but, when taken together, shall
constitute one Agreement.

         8.11. Ambiguity; Drafting. All parties to this Agreement acknowledge
that they equally participated in the drafting of this Agreement and that if a
court of law were to find an ambiguity in the language of this Agreement, such
ambiguity shall not be held against any party hereto.

9.       CONSENTS AND WAIVERS

         9.1. Consent to Jurisdiction. Borrower consents to the exclusive
jurisdiction of any and all state and federal courts in the State of Florida
with jurisdiction over Borrower and Borrower's assets. Borrower agrees that such
assets shall be used first to satisfy all claims of creditors organized or
domiciled in the United States of America, and that no assets of Borrower in the
United States of America shall be considered part of any foreign bankruptcy
estate. Borrower agrees that any controversy arising under or in relation to the
Note, this Agreement or any of the other Loan Documents shall be litigated
exclusively in the State of Florida, and if an action is brought in a state
court, it shall be brought in Sarasota County, Florida. The state and federal
courts and authorities with jurisdiction in the State of Florida shall have
exclusive jurisdiction over all controversies which may arise under or in
relation to the Note, including without limitation those controversies relating
to the execution, interpretation, breach, enforcement or compliance with the
Note, this Agreement or any other issue arising under, related to, or in
connection with any of the Loan Documents. Borrower irrevocably consents to
service, jurisdiction, and venue of such courts for any litigation arising from
the Note, this Agreement or any other Loan Document, and waives any other venue
to which it might be entitled by virtue of domicile, habitual residence or
otherwise. This Agreement is made and entered into in the State of Florida.

         9.2. Participation/Release of Information. Lender may sell or assign
the Loan or participation interests or other interests in the Loan. Borrower
hereby grants Lender its unlimited and unconditional consent to the disclosure
and dissemination of financial records, including without limitation loan
application and account information, statements of deposit and share accounts,
negotiable instruments, individual, corporate and partnership financial
statements, credit references and histories, pro forma assumptions, profit and
loss statements, resumes, accounting reports, balance sheets, and other
financial information provided to Lender by or on behalf of Borrower, for such
purposes. Borrower further releases, acquits and forever discharges Lender and
its agents from all liability, claims, actions, or causes of action for
disclosure of confidential financial records under any applicable federal or
state statute or common law made in accordance with the provisions of this
Section.

         9.3. Waiver of Jury Trial. Borrower and Lender jointly waive trial by
jury in any action or proceeding to which Borrower and Lender may be parties,
arising out of or in any way pertaining to this Agreement or any of the other
Loan Documents. It is agreed and understood that this waiver constitutes a
waiver of trial by jury of all claims against all parties to such actions or
proceedings, including claims against parties who are not parties to this
Agreement. This waiver is knowingly, willingly and voluntarily made by Borrower,
and Borrower hereby represents that no representations of fact or opinion have
been made by any individual to induce this waiver of trial by jury or to in any
way modify or nullify its effect.

         IN WITNESS WHEREOF, Borrower and Lender hereto have caused this
Agreement to be executed under seal as of the date first above written.

                             BORROWER
                             Sign Media Systems, Inc.

                             By:  /s/ Antonio F. Uccello III (SEAL)
                             ---------------------------------
                             Antonio F. Uccello, III
                             Treasurer
                             Chief Financial Officer

                             LENDER:
                             GO! Agency, LLC

                             By: Antonio F. Uccello, III (SEAL)
                             Antonio F. Uccello, III
                             Manager



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                                    EXHIBIT A

Agreement means this Loan Agreement, as it may be amended, restated, extended,
or consolidated from time to time.

Borrower means Sign Media Systems, Inc., a Florida corporation.
--------

Event of Default means any of the events described in Section 7.1 of this
Agreement.

Lender means GO! Agency, LLC, a Florida limited liability company.

Liabilities means the obligation of Borrower to pay: (a) the unpaid principal
amount of the Note, plus all accrued and unpaid interest thereon; and (b) all
other charges, interest, and expenses chargeable by Lender to Borrower under the
Note and this Agreement.

Loan means the loan made by Lender to Borrower pursuant to this Agreement in the
maximum principal amount of $100,000.

Loan Documents means, collectively, the Note, this Agreement, and all other
documents which Borrower or any third party or parties has executed and
delivered, or may hereafter execute and deliver, in connection with the Loan.

Loan Proceeds means the funds advanced and re-advanced by Lender to Borrower
from time to time as proceeds of the Loan.

Note means the promissory note of even date herewith in the principal amount of
$100,000 made by Borrower to the order of Lender, as it may be amended,
restated, extended, consolidated or increased from time to time.