Document:

AMENDMENT, dated as of September 27,2000, to a Loan Agreement
(the "Loan Agreement"), dated as of February 29, 2000, among Win-Gate Equity
Group, Inc., Globaltron Communications Corporation and GNB Bank Panama S.A.

                                    RECITALS

                  A. Capitalized terms when used herein shall have the meanings
ascribed to them in the Loan Agreement unless the text hereof specifically
provides to the contrary.

                  B. The parties wish to amend the Loan Agreement as herein
provided.

                  NOW, THEREFORE, in consideration of the premises and the
agreements set forth herein, and for good and other valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties agree as
follows:

                  1. The Lender shall prepay, on the date hereof, the sum of
$1,000,000 on account of the principal of the Note.

                  2. Notwithstanding the provisions of Section 2.7 of the Loan
Agreement or the prepayment of a portion of the outstanding principal of the
Note, as provided in paragraph 1 of this Amendment, if any of the events in
Section 2.7(a), (b) or (c) occur hereafter then the principal portion of the
Note shall still convert into 2.68% of the issued and outstanding stock of the
Borrower, on a fully diluted basis.

                  3. The definition of "Maturity Date" is amended to mean
October 31, 2001; provided, however, if the shareholders equity of the Company
decreases by more than a negative $5,000,000 on January 31, 2001, the Maturity
Date will mean July 31, 2001.

                  4. Any notices sent to the Lender pursuant to Section 8.2 of
the Loan Agreement shall be sent hereafter as follows: GNB Bank Panama S.A.,
Torre Banco Continental , Piso 30, Calle 50 y Aquilino de la Guardia, Panama
City, Republic of Panama, Attention: Camilo Verastegui, Fax. No: 011 507 215
7560.

                  5. This Amendment does not constitute a waiver by the Lender
of any of its rights or remedies under the Loan Agreement.

                  6. Except as specifically amended above, the Loan Agreement
shall remain in full force and effect.

<PAGE>

                  IN WITNESS WHEREOF, the parties hereto have executed this
Amendment as of this 27th day of September 2000.

                                         WIN-GATE EQUITY GROUP, INC.

                                         By: /s/ Gary D. Morgan
                                            ---------------------------------
                                            Chairman

                                         GLOBALTRON COMMUNICATIONS CORPORATION

                                         By: /s/ Gary D. Morgan
                                            ---------------------------------
                                            Chairman

                                         GNB BANK PANAMA S.A.
                                         By: /s/ Camilo Verastegui
                                            ---------------------------------
                                            General ManagerSeptember 27, 2000

GNB Bank Panama S.A.
Edificio Banco Continental, Piso 30
Calle 50 y Aquilino de la Guardia
Panama City,
Republic of Panama

Dear Sirs:

         I refer to a letter agreement ( the "Agreement") between us, dated
February 29, 2000, in connection with the loan agreement in which you were the
Lender, Win-Gate Equity Group Inc. ("Win-Gate") was the Borrower and Globaltron
Communications Corporation was the Guarantor, with respect to certain transfer
and voting matters.

         The Agreement provided, among other matters, that I would not transfer
my shares in Win-Gate for three years.

         This letter is written to request your consent to my transfer of
4,294,000 shares of the common stock of Win-Gate now owned by me to Tremaine
Trading Company, Ltd., an Isle of Man corporation.

         I recognize that your address has changed and that for purposes of the
loan agreement dated as of February 29, 2000 all notices with be sent to the new
address set forth above, c/o Mr. Camilo Verastegui.

         Except for your consent to the transfer of the portion of my shares in
Win-Gate above set forth, the Agreement remains in full force and effect.

         Please so indicate your consent by signing and returning a copy of this
Agreement to me.

                                                          Sincerely yours,

                                                          /s/ Gary D. Morgan
                                                          ------------------
                                                          Gary D. Morgan

AGREED AND ACCEPTED:

GNB Bank Panama, S.A.

By: /s/ Camilo Verastequi
   -----------------------
        Camilo Verastequi
        General ManagerSeptember 27, 2000

GNB Bank Panama S.A.
Calle Manuel Icaza No. 18,
Panama City,
Republic of Panama

         Re:  Transfer and Voting Matters

Dear Sirs:

         This letter agreement is being delivered in connection with, and
clarifies, amends and restates in its entirety, that certain letter agreement
among us dated February 27, 2000, which was delivered in furtherance of the Loan
Agreement among Win-Gate Equity Group Inc. (the "Borrower"), Globaltron
Communications Corporation (the "Guarantor") and you (the "Lender") dated as of
February 29, 2000 (the "Loan Agreement"). This letter agreement is an inducement
to you, and a requirement by you, to make the loan to the Borrower. I agree and
covenant to you and the Borrower that: (i) without your prior written consent
(whether or not you are then owed any amounts pursuant to the Loan Agreement),
for a period of three years from the date hereof, I will not sell, exchange or
otherwise transfer (collectively, "transfer") all or part of my stock in the
Borrower; provided, however, that I may transfer my shares in the Borrower in
the event of a merger, consolidation or other sale of assets or other
reorganization approved as provided in Exhibit 2 (b) J of the Loan Agreement;
(ii) after the three year period referred to in clause (i) above or should you
consent to a transfer prior to the expiration of such three-year period, if and
to the extent I transfer all or part of my stock in the Borrower you shall have
tag along rights on the stock sold or transferred on the same terms and
conditions it is offered to me; (iii) until the later of such time as (a) you
(or any of your successors, assignees or transferees) are not owed any amounts
pursuant to the Loan Agreement and (b) you do not own any shares of stock (or
rights to acquire such stock on conversion of your loan or otherwise) (the
"Restricted Voting Period") of the Borrower, I will vote my stock in the
Borrower in favor of your designee(s) or those of your assignees, nominated to
serve as one of the five directors on the board of directors of the Borrower;
and (iv) during the Restricted Voting Period, I will not vote my stock in the
Borrower for any of the issues described in Exhibit 2 (b) of the Loan Agreement
without your prior written consent.

         In the event that I should fail to vote my stock in accordance with
clauses (iii) and/or (iv) of the foregoing paragraph, then in addition to such
other rights and remedies as may be available to you in law or in equity
(including without limitation an action for breach of contract), I hereby
appoint you as my proxy, which proxy shall be IRREVOCABLE and coupled with an
interest, to vote my stock on all such matters as are within the contemplation
of such clauses (iii) and/or (iv). In any such event, you shall have full power
of substitution with regard to such proxy. I acknowledge that for purposes of
the phrase "coupled with an interest", your interest includes your interest both
as a lender under the Loan Agreement and your interest as a stockholder of the
Borrower in connection with any conversion of the Loan into stock of the
Borrower. I also agree that if and to the extent you shall, at anytime, acquire
stock of the Borrower, then this letter agreement shall automatically be deemed
a shareholders' agreement, that I will immediately execute

<PAGE>

an acknowledgment that this letter agreement constitutes a shareholder
agreement, together with any such other agreements consistent with this letter
agreement as you shall request to further reflect the intent and purposes of
this letter agreement.

         In accordance with the foregoing, I agree that the Borrower may provide
(and the Borrower has agreed to so provide) a stop transfer notice on the
certificates representing the stock I now or hereafter own in the Borrower to
the transfer agent of the Borrower, so to reflect the foregoing limitations on
transfers of such stock. I also agree, upon your request, to tender all
certificates representing my stock to the transfer agent for purposes of
application of appropriate restrictive legends consistent with the terms of this
letter agreement.

         I and the Borrower acknowledge that any transfer of my stock, or other
act by me, in contravention of this letter agreement shall be null and void and
of no force or effect. This letter agreement shall inure to the benefit of, and
be enforceable by, you and your successors and assigns.

         If you are in agreement with the terms of this letter agreement, please
so indicate by signing in the space provided below.

                                                          Very truly yours,

                                                          /s/ Gary D. Morgan
                                                          ------------------
                                                          Gary D. Morgan

STATE OF NEW YORK
         --------

COUNTY OF NEW YORK
          --------

                  On this 27th day of September 2000, before me appeared Gary D.
Morgan, to me personally known, who being by me duly sworn, and that the
foregoing instrument was signed by him.

[NOTARY SEAL]                                            /s/ Oliverio Lew
                                                         -----------------------
Notary Public of the State of New York and County of New York.

My commission expires:                                  Notary's Printed Name:

November 1, 2001                                        Oliverio Lew
----------------                                        ------------------------

<PAGE>

ACCEPTED AND AGREED WITH RESPECT
TO THE PROVISIONS APPLICABLE TO
THE BORROWER ABOVE:

WIN-GATE EQUITY GROUP, INC.

 By: /s/ Gary P. Stukes
    --------------------------
 Name:   Gary P. Stukes
 Title:  President

AGREED AND ACCEPTED:

GNB BANK PANAMA S.A.

By:  /s/ Camilo Verastegui
     -------------------------
Name:    Camilo Verastegui
Title:   General Manager

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