Document:

Exhibit 10.15
                                   DEMAND NOTE

New York, New York
April 13, 2001

                                                                      $15,000.00

                  ON  DEMAND,  for  value  received,  Fusion  Telecommunications
International, Inc., a Delaware corporation ("Fusion"), whose principal place of
business is 420 Lexington Avenue, Suite 518, New York, New York 10170,  promises
to pay Marvin S. Rosen, a resident of the State of Florida,  ("Lender"), the sum
of FIFTEEN THOUSAND DOLLARS ($15,000.00) in lawful money of the United States of
America or such  lesser sum as may be  demanded  hereunder.  This Demand Note is
being executed and delivered outside the State of Florida.

                  Fusion  shall pay interest on the amount due under this Demand
Note and on overdue interest payments hereunder at a rate equal to the lesser of
(a) 12% per annum and (b) the maximum rate permissible under applicable usury or
similar laws limiting  interest  rates,  said interest to be payable  quarterly,
beginning  March 31,  2001.  This payment rate shall be computed on the basis of
the actual number of days elapsed over a year of 360 days.

                  If the  indebtedness  represented  by this Demand Note, or any
part thereof, is collected at law or in equity or in bankruptcy, receivership or
other court proceedings, or this Demand Note is placed in the hands of attorneys
for collection,  Fusion agrees to pay, in addition to the principal and interest
(if any) due under this Demand Note, reasonable attorneys' and collection fees.

                  The undersigned waives demand, presentment for payment, notice
of nonpayment,  protest,  notice of dishonor and protest, notice of intention to
accelerate,  notice of acceleration,  and all other notices,  filing of suit and
diligence  in  collecting  this  Demand  Note and  agrees  to any  substitution,
exchange  or release of any such  security  or the  release of any party  liable
hereon and further  agrees that it will not be necessary for any holder  hereof,
in order to enforce  payment of this Demand Note by it, to first  institute suit
or exhaust  its  remedies  against  Fusion,  and  consents to any  extension  or
postponement of time of payment of this Demand Note or any other indulgence with
respect hereto, without notice thereof.

                  The undersigned hereby irrevocably submits to the jurisdiction
of the United States  District  Court for the Southern  District of New York and
any  court  in the  State of New  York  located  in the City of New York and the
County of New York,  and any  appellate  court from any thereof,  in any action,
suit or proceeding brought against it in connection with this Demand Note or for
the recognition or enforcement of any judgment.  The  undersigned  hereto agrees
that a final judgment in any such action, suit or proceeding shall be conclusive
and may be enforced  in other  jurisdictions  by suit on the  judgment or in any
other manner  provided by law. To the extent  permitted by  applicable  law, the
undersigned  hereby  waives  and  agrees  not to assert by way of  motion,  as a
defense or otherwise in any such suit,  action or proceeding,  any claim that it
is not personally  subject to the  jurisdiction  of such courts,  that the suit,
action or

<PAGE>

proceeding  is brought  in an  inconvenient  forum,  that the venue of the suit,
action or proceeding is improper or that the Demand Note may not be litigated in
or by such courts.

                  To the extent  permitted by  applicable  law, the  undersigned
agrees that it shall not seek and hereby  waives the right to seek any review of
the judgment of any such court by any court of any other nation or  jurisdiction
which may be called upon to grant an enforcement of such judgment.

                  The undersigned hereby irrevocably agrees that the summons and
complaint or any other process in connection with this Demand Note may be served
by mailing to the  address  set forth  below or by hand  delivery to a person of
suitable age and discretion at the address set forth below. Such service will be
complete on the date such process is so mailed or delivered, and the undersigned
will have thirty days from such completion of service in which to respond in the
manner  provided by law. The  undersigned may also be served in any other manner
permitted by law, in which event the undersigned's  time to respond shall be the
time provided by law.

                  The  amounts  hereunder  shall  not  be  subject  in  any  way
whatsoever  to  offset,  setoff,  counterclaim  or other  deduction  of any kind
whatsoever.

                  THE UNDERSIGNED  HEREBY WAIVES TO THE FULLEST EXTENT PERMITTED
BY LAW,  ANY  RIGHT  TO A TRIAL BY JURY IN  RESPECT  OF ANY  LITIGATION  ARISING
DIRECTLY OR INDIRECTLY OUT OF, UNDER OR IN CONNECTION WITH THIS DEMAND NOTE. THE
UNDERSIGNED  HERETO (A) CERTIFIES THAT NO  REPRESENTATIVE,  AGENT OR ATTORNEY OF
ANY PARTY HERETO HAS REPRESENTED,  EXPRESSLY OR OTHERWISE, THAT IT WOULD NOT, IN
THE  EVENT  OF  LITIGATION,  SEEK  TO  ENFORCE  THE  FOREGOING  WAIVER  AND  (B)
ACKNOWLEDGES  THAT IT HAS BEEN ADVISED BY LENDER THAT LENDER HAS BEEN INDUCED TO
ACCEPT THIS DEMAND NOTE BY, AMONG OTHER THINGS, THIS WAIVER.

<PAGE>

                  This Demand Note shall be  governed  by, and for all  purposes
construed in accordance  with, the laws of the State of New York (except for its
conflict of laws rules).

                             FUSION TELECOMMUNICATIONS INTERNATIONAL, INC.
                             420 Lexington Avenue
                             Suite 518
                             New York, New York 10170

                             -------------------------------------
                             Name:  Robert H. Nelson
                             Title: Chief Financial OfficerExhibit 10.16
                                   DEMAND NOTE

New York, New York                                                   $500,000.00
December 4, 2000

                  ON  DEMAND,  for  value  received,  Fusion  Telecommunications
International, Inc., a Delaware corporation ("Fusion"), whose principal place of
business is 420 Lexington Avenue, Suite 518, New York, New York 10170,  promises
to pay to Manuel D. Medina,  a resident of the State of Florida,  ("Lender") the
sum of FIVE HUNDRED THOUSAND DOLLARS ($500,000.00) in lawful money of the United
States of America or such lesser sum as may be demanded  hereunder.  This Demand
Note is being executed and delivered outside the State of Florida.

                  All or any part of this Demand Note shall be  immediately  due
and payable ten (10) days after  written  demand  therefore by the holder to the
undersigned.  If a demand is made for less than the full  amount of this  Demand
Note,  the amount  payable  under this  Demand Note  shall,  effective  the date
payment is made, be reduced by the amount so paid.  Fusion shall pay interest on
the amount due under this Demand Note and on overdue interest payments hereunder
at a rate  equal to the  lesser of (a) 12% per annum  and (b) the  maximum  rate
permissible under applicable usury or similar laws limiting interest rates, said
interest to be payable quarterly, beginning December 31, 2000. This payment rate
shall be computed on the basis of the actual  number of days elapsed over a year
of 360 days.

                  If the  indebtedness  represented  by this Demand Note, or any
part thereof, is collected at law or in equity or in bankruptcy, receivership or
other court proceedings, or this Demand Note is placed in the hands of attorneys
for collection,  Fusion agrees to pay, in addition to the principal and interest
(if any) due under this Demand Note, reasonable attorneys' and collection fees.

                  The undersigned waives demand, presentment for payment, notice
of nonpayment,  protest,  notice of dishonor and protest, notice of intention to
accelerate,  notice of acceleration,  and all other notices,  filing of suit and
diligence  in  collecting  this  Demand  Note and  agrees  to any  substitution,
exchange  or release of any such  security  or the  release of any party  liable
hereon and further  agrees that it will not be necessary for any holder  hereof,
in order to enforce  payment of this Demand Note by it, to first  institute suit
or exhaust  its  remedies  against  Fusion,  and  consents to any  extension  or
postponement of time of payment of this Demand Note or any other indulgence with
respect hereto, without notice thereof.

                  The undersigned hereby irrevocably submits to the jurisdiction
of the courts of the State of Florida located in Miami-Dade County, Florida, and
any  appellate  court any thereof,  in any action,  suit or  proceeding  brought
against  it in  connection  with  this  Demand  Note or for the  recognition  or
enforcement of any judgment. The undersigned hereto agrees that a final judgment
in any such action,  suit or proceeding  shall be conclusive and may be enforced
in other  jurisdictions  by suit on the judgment or in any other manner provided
by law. To the extent permitted by applicable law, the undersigned hereby waives
and agrees not to

                                       1
<PAGE>

assert by way of motion,  as a defense or otherwise in any such suit,  action or
proceeding,  any claim that it is not personally  subject to the jurisdiction of
such courts,  that the suit,  action or proceeding is brought in an inconvenient
forum,  that the venue of the suit, action or proceeding is improper or that the
Demand Note may not be litigated in or by such courts.

                  To the extent  permitted by  applicable  law, the  undersigned
agrees that it shall not seek and hereby  waives the right to seek any review of
the judgment of any such court by any court of any other nation or  jurisdiction
which may be called upon to grant an enforcement of such judgment.

                  The undersigned hereby irrevocably agrees that the summons and
complaint or any other process in connection with this Demand Note may be served
by mailing to the  address  set forth  below or by hand  delivery to a person of
suitable age and discretion at the address set forth below. Such service will be
complete on the date such process is so mailed or delivered, and the undersigned
will have thirty days from such completion of service in which to respond in the
manner  provided by law. The  undersigned may also be served in any other manner
permitted by law, in which event the undersigned's  time to respond shall be the
time provided by law.

                  The  amounts  due  hereunder  shall  not  be  subject  in  way
whatsoever  to  offset,  setoff,  counterclaim  or other  deduction  of any kind
whatsoever.

                  THE UNDERSIGNED HEREBY WAIVES, TO THE FULLEST EXTENT PERMITTED
BY LAW,  ANY  RIGHT  TO A TRIAL BY JURY IN  RESPECT  OF ANY  LITIGATION  ARISING
DIRECTLY AND  INDIRECTLY  OUT OF, UNDER OR IN CONNECTION  WITH THIS DEMAND NOTE.
THE UNDERSIGNED HERETO (A) CERTIFIES THAT NO  REPRESENTATIVE,  AGENT OR ATTORNEY
OF ANY PARTY HERETO HAS REPRESENTED,  EXPRESSLY OR OTHERWISE, THAT IT WOULD NOT,
IN THE  EVENT OF  LITIGATION,  SEEK TO  ENFORCE  THE  FOREGOING  WAIVER  AND (B)
ACKNOWLEDGES  THAT IT HAS BEEN ADVISED BY LENDER THAT LENDER HAS BEEN INDUCED TO
ACCEPT THIS DEMAND NOTE BY, AMONG OTHER THINGS, THIS WAIVER.

                                       2
<PAGE>

                  This Demand Note shall be  governed  by, and for all  purposes
construed in accordance with, the laws of the State of Florida,  (except for its
conflict of laws rules).

                           FUSION TELECOMMUNICATION INTERNATIONAL, INC.
                           420 Lexington Avenue
                           Suite 518
                           New York, New York 10170

                           --------------------------------------
                           Name:  Robert H. Nelson
                           Title: Chief Financial Officer

                                       3

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00076-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00076-of-00352.parquet"}]]