Document:

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                                                                    EXHIBIT 10.3

                             e-commerce group Inc.
                               3675 Pecos-McLeod
                                  Suite 1400
                         Las Vegas, U.S.A. 89121-3881

March 5, 2000

Arnold & Associates (UK) Limited
Shantasree
134 Hilmanton
Reading
Berkshire
RG8 4HJ

Attention: Mr. Anthony Arnold, Esq.

Dear Mr. Arnold

This letter sets forth our agreement that, as compensation for the consulting
services you are performing for e-commerce group Inc. (the "Company"), we agree
to pay you $225,000 and to issue you 500,000 shares of common stock of the
Company. The delivery of such payment and issuance of shares of common stock
shall not occur until and unless the consummation occurs of the acquisition by
the Company of each of Intensive Networks Ltd. and www.WindowKiosk.com, Ltd.,
each a corporation organised under the laws of the United Kingdom.

If the above properly sets forth the terms of our agreement, please sign the
enclosed copy of this letter and return it to us.

e-commerce group Inc.

By /s/ D. Wood
  -----------------------
Name DIRECTOR
Title

By /s/ David Wong
   ----------------------
Name
Title

AGREED AND ACCEPTED:

ARNOLD & ASSOCIATES (UK) LIMITED

/s/ Tony Arnold
-------------------------<PAGE>

                                                                    Exhibit 10.4

NEITHER THIS CONVERTIBLE PROMISSORY NOTE NOR THE SECURITIES ISSUABLE HEREUNDER
HAVE BEEN REGISTERED UNDER APPLICABLE U.S. FEDERAL OR STATE SECURITIES LAWS
(INCLUDING THE U.S. SECURITIES ACT OF 1933, AS AMENDED) OR THE SECURITIES LAWS
OF ANY OTHER JURISDICTION.  NO SALE OR DISTRIBUTION OF THIS NOTE OR OF THE
EFFECTIVE REGISTRATION STATEMENT UNDER U.S. FEDERAL AND STATE SECURITIES LAWS OR
UNLESS THE MAKER HAS RECEIVED AN OPINION OF COUNSEL REASONABLY SATISFACTORY TO
THE MAKER THAT SUCH REGISTRATION IS NOT REQUIRED OR THAT THE PROPOSED
TRANSACTION WILL BE EXEMPT FROM REGISTRATION, QUALIFICATION AND FILING UNDER
SUCH LAWS.

                          CONVERTIBLE PROMISSORY NOTE
                          ---------------------------

                                                                   March 7, 2000

FOR VALUE RECEIVED, e-commerce group, inc. a Nevada corporation (the "Maker")
hereby promises to pay to the order of S.C. Management Ltd., a corporation
organized under the laws of the Bahamas (the "Lender"), an aggregate principal
amount of up to Three Hundred and Fifty Two Thousand Five Hundred Dollars
($352,500) of lawful money of the United States of America, or such lesser
amount as amount as shall have been advanced by Lender hereunder (the "Loan"),
not later than the date (the "Maturity Date") which is the earlier to occur of
(i) the date which is the fifth business day following receipt by the Maker of
written demand for payment from the Lender, and (ii) February 28, 2002. The
principal balance of this note outstanding from time to time shall bear interest
at a rate equal to nine percent (9%) per annum, compounded annually. Interest
shall be calculated on the basis of a 365-day year and shall accrue and be due
and payable on the Maturity Date or on such earlier date as this Note is
converted into "Units", as described below. In no event shall interest payable
hereunder exceed the highest rate permitted by applicable law. To the extent
any interest received by the Lender exceeds the maximum amount permitted by
applicable law, such payment shall be credited to principal, and any excess
remaining after full payment of principal shall be refunded to the Maker.

The Maker and all guarantors and endorsers hereby waive presentment, demand,
notice, protest, and all other demands and notices in connection with the
delivery, acceptance, performance and enforcement of this Note, and assent to
extensions of the time of payment or forbearance or other indulgences without
notice.  No delay or omission of the Lender in exercising any right or remedy
hereunder shall constitute a waiver of any such right or remedy.  Acceptance by
the Lender of any payment after demand shall not be deemed a waiver of such
demand.  A waiver on one occasion shall not operate as a bar to or waiver of any
such right or remedy on any future occasion.

1.        RIGHT TO PREPAY
          ---------------

Notwithstanding the right of the Lender to demand repayment of the Loan at any
time on five business days' prior notice, under no circumstances will the Maker
have the right to pay all or any portion of the principal amount outstanding
under this note from time to time before the
<PAGE>

                                      -2-

Maturity Date Lender at least 15 business days' prior written notice.  During
the 15 business day period following notice of prepayment, the Lender will be
free to issue a Conversion Notice (as hereinafter defined) and if a Conversion
Notice is issued by the Lender during such 15 business day period, the Borrower
will have the right to prepay only so much of the principal amount of the Loan
as is not being converted pursuant to such Conversion Notice, if any.

2.        CONVERSION
          ----------

At any time after the date hereof and prior to the Maturity Date, at the
election of the Lender (in its sole discretion) and upon delivery to the maker
of written notice (a "Conversion Notice"), all or such portion of the
outstanding principal amount of the Loan as may be designated in the Conversion
Notice shall be converted on a pro rata basis into Units, as hereinafter
defined, provided that regardless of the principal amount of the Loan which may
be converted, under no circumstances will the aggregate number of Units to be
issued to the Lender pursuant to this Note exceed 200,000 Units, such that:

     (a)  if the Lender has advanced the entire principal amount of $352,000 and
          then elects to convert such entire amount, such amount shall be
          converted into 200,0000 Units;

     (b)  if the Lender elects to convert less than $352,000, such amount shall
          be converted into that number of Units equal to the product of 200,000
          multiplied by a fraction, the numerator of which shall be the amount
          of outstanding principal which the Lender has elected to convert and
          the denominator of which shall be the total amount of principal then
          outstanding hereunder; and

     (c)  any balance of the outstanding principal and all accrued interest
          shall, at the option of the Lender and as stipulated in the Conversion
          Notice (A) remain outstanding and repayable or convertible into Units
          in accordance with the terms of this Note or (B) be due and payable on
          the date five business days following receipt by the Maker of the
          Conversion Notice.

In the event that the Lender elects to convert all or a portion of the
outstanding principal of the Loan as provided above, the Maker shall deliver to
the Lender the Units into which such amount is convertible hereunder within 14
days from the date of the applicable Conversion Notice together with interest
accrued on the principal amount converted, to the date of conversion.

For purposes of this Note, a "Unit" consists of one share of common stock, $.001
par value (a "Share"), of the Maker and a warrant to purchase an additional
Share (a "Warrant"), at a price of $2.00. The Warrants will be in form as
prepared by the Maker and approved by the Lender, each acting reasonably, and
shall be exercisable on a "cashless" basis on any business day following the
date of issuance thereof and shall expire, to the extent not previously
exercised, at 12:01 AM on February 28, 2002. The parties agree that by
describing the Warrants as exercisable on a "cashless" basis, they mean that in
case of the exercise of a Warrant, the holder thereof shall be entitled, at the
holder's option, to pay cash for Shares at the rate of $2.00 per share or
alternatively and without payment of cash, receive that number of Shares which
is equal to X in the following equation:
<PAGE>

                                      -3-

          X=Y(A-B)
            ------
               A

where:

X=   the number of Shares to be issued to the  holder of the Warrant;
Y=   the number of Warrants which are being exercised;
A=   the greater of $2.00 and the fair market value of one Share as at the date
     the notice of exercise of the Warrant is received by the Maker; and
B=   $2.00

Provided that there has been no demonstrated effort on the part of any person to
condition the market for Shares, "fair market value" in respect of the Shares
for the purpose of calculating a conversion thereof on a cashless basis means
the weighted twenty day trading price of Shares on, as applicable, the "pink
sheets", on the "over the counter" market or on any public exchange on which the
Shares may be listed, ending on the third trading day prior to the day on which
a Conversion Notice has been issued.

3.        EVENTS OF DEFAULT
          -----------------

The occurrence of any of the following events or circumstances shall constitute
an "Event of Default" under this Note:

     (a)  if the Maker ceases to pay its debts as they become due or admits its
inability to pay its debts generally or any proceeding is instituted against the
Maker in any jurisdiction to adjudicate it a bankrupt or insolvent person or
which seeks its liquidation, winding up, reorganization or corporate
arrangement, or moratorium or adjustment of indebtedness, protection or relief
from creditors or the appointment of a receiver or receiver-manager or similar
official having conduct of the Maker's affairs generally or with respect to a
material part of its property or undertaking or if the Maker takes any corporate
action to authorize any of such actions:

     (b)  if, save as permitted hereby, the security interest granted by the
Maker pursuant to the Security Agreement (as hereinafter defined) ceases to be a
first priority security interest in substantially all of the present and
after-acquired property of the Maker, perfected in accordance with local law in
such jurisdictions as may be appropriate in light of the location of the Maker's
property and principal place of business and chief executive office, provided
that if the Maker obtains conventional loan financing from a bank or other
regulated, deposit taking financial institution and it is a condition of such
financing that the Maker grant to the Lender first priority security interests
in all or any portion of the property of the Maker, the Lender will provide to
such lender a priority agreement confirming the priority of such lender's
security over the Security Agreement, and in the event that financing is
arranged by the Maker with a lender which is not a bank or other regulated,
deposit taking financial institution, the Lender shall act reasonably in
considering any request by such lender for priority in respect of any security
interest granted to it by the Maker;
<PAGE>

                                      -4-

     (c)  if the Maker ceases to carry on business or sells all or substantially
          all of its assets of undertaking;

     (d)  if the Maker merges or amalgamates or otherwise combines its business,
          assets or undertaking with any other corporate entity unless the Maker
          has first given to the Lender 15 business days' prior written notice
          of the terms upon which the Maker intends to do so and received the
          consent of the Lender thereto, not to be unreasonably withheld;

     (e)  if the Maker enters into any agreement to issue Shares (otherwise than
          pursuant to any agreement in existence as of the date hereof of which
          the Lender has knowledge) unless the Maker has first given to the
          Lender 15 business days' prior written notice of the terms upon which
          the Maker intends to issue such Shares and received the consent of the
          Lender thereto, not to be unreasonably withheld;

     (f)  if the Maker enters into any sort of transaction the effect of which
          is to "split" or "consolidate" its outstanding Shares, unless the
          Maker has first given to the Lender 15 business days' prior written
          notice of the terms upon which the Maker intends to make such "split"
          or "consolidation" and received the consent of the Lender thereto, not
          to be unreasonably withheld; or

     (g)  if any event or circumstance or series of events or circumstances
          occurs which has a materially adverse effect upon the business, assets
          or revenues of the Maker or seriously impairs the ability of the Maker
          to perform its obligations hereunder and under the Security Agreement.

In the event of an Event of Default, the Lender may require that all
outstanding principal and accrued interest be paid in any combination of cash
and/or Units. If the Lender elects to have all or a portion of such amount paid
in Units, the applicable number of Units shall be determined in accordance with
the provisions of Section 2 above.

After the occurrence and during the continuance of an Event of Default, the
principal outstanding hereunder shall bear interest at a fixed rate equal to
twenty four percent (24%) per annum which interest shall be payable on demand,
and if not so paid, shall compound monthly until paid.

4.        PAYMENT ON MATURITY
          -------------------

On the Maturity Date, the Maker shall pay any outstanding principal and accrued
interest in cash at the address of the Lender set forth below, or at such other
place as the holder hereof shall have designated to the Lender in writing.

5.        SECURITY
          --------

As security for its obligation to repay the Loan and issue the Units and issue
Shares pursuant to the Warrants, the Maker will grant to the Lender a general
security agreement (the "Security Agreement") which will give to the Lender a
first priority security interest in all present and after acquired property
and/or a floating charge on the assets and undertakings of the Maker. The Lender
is hereby authorized to record the Security Agreement or such financing
statements, financing change statements and notices thereof as the Lender deems
appropriate from time to

<PAGE>

                                      -5-

time in any jurisdiction the Lender sees fit with respect to the Security
Agreement, and to the extent permitted by law, the Maker waives its right to
receive copies of same, and where appropriate, the Maker appoints the Lender as
its attorney in fact to execute on its behalf such financing statements,
financing change statements and notices. Whenever the Lender deems it
appropriate, the Maker will enter into such additional or alternative security
agreements, debentures, assignments or other forms of mortgages, charges,
hypotheques and pledges as the Lender, acting reasonably, deems appropriate in
order to confer upon the Lender the benefit of the Security Agreement in any
jurisdiction in which the Borrower may have an office or carry on business or
have material property.

6.        AGREEMENTS OF LENDER
          --------------------

In the event that the Lender elects to convert all or a portion of the
outstanding principal amount of the Loan into Units as provided above, the
Lender agrees to execute such mutually acceptable documents, including a
subscription agreement, as the Maker shall reasonably request, to ensure
compliance with applicable laws, including U.S. Federal and state securities
laws. The obligations of the Maker to issue securities to the Lender hereunder
shall be contingent upon Lender's execution of such documents.

7.        APPLICABLE LAW
          --------------

The provisions of this Note shall be goverened by, and construed and enforced in
accordance with, the substantive laws of the state of Nevada, excluding the body
of law relating to choice of laws.

IN WITNESS WHEREOF, the parties have executed this Note on the date written
above.

E-COMMERCE GROUP, INC.

By: /s/ David Wong
    ---------------------------------
Name:
Title:

By: /s/  D. Wood
    ---------------------------------
Name:
Title:
Acknowledged:

S.C. MANAGEMENT LTD.

By: /s/ Christine Ferguson
    ---------------------------------
Name:
Title:

Address: Suite L, King's Court
Nassau, Bahamas

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