Document:

EXH 10.49

March 10, 2003

Phone1, Inc., Phone1Globalwide, Inc. and
Globaltron Communications Corporation
100 North Biscayne Blvd, Suite 2500
Miami, Florida 33132

Ladies and Gentlemen:

     We refer to the Loan Agreement (the "Loan Agreement") dated November 26,
2002, among Phone1, Inc. ("Phone1"), Phone1Globalwide, Inc. ("Global"),
Globaltron Communications Corporation ("GCC") and GNB Bank Panama S.A. ("GNB").
Capitalized terms not otherwise defined herein shall have the meaning ascribed
to them in the Loan Agreement.

     We hereby advise you that we are not exercising our right to call an
earlier maturity of the Loan based upon the failure of Phone1, Global or GCC to
receive prior to March 31, 2003, a loan from any person in an amount of at least
US$5,000,000, as provided in Section 2.8 of the Loan Agreement.

     Except as provided herein, this letter agreement shall not have any effect
on any other term or provision of the Loan Agreement, which shall continue to
remain in full force and effect in accordance with its terms.

     This letter agreement shall be governed by and construed in accordance with
the laws of the State of New York, without regard to conflict of law principles.
In the event of any claim or dispute in respect to the subject matter hereof or
the rights or obligations of the parties hereto, all actions or proceedings must
be exclusively brought in the United States District Court for the Southern
District of New York or if such Court lacks subject matter jurisdiction, in the
Supreme Court of the State of New York, County of New York. Each party waives
the right to object to the exclusive jurisdiction of either of such Court or the
right to object to the venue of such Court or that such Court is an inconvenient
forum. Nothing in this letter agreement shall be deemed to constitute a general
consent to service of process or the in personam jurisdiction of the United
States District Court for the Southern District of New York, County of New York
or the Supreme Court of the State of New York for legal actions or proceedings
not related to the transactions contemplated by this letter agreement.

     This letter agreement is binding upon, and shall inure to the benefit of
the parties hereto and their respective heirs, executors, administrators,
successors and assigns.

<PAGE>

     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,

                                           GNB BANK (PANAMA) S.A.

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

Agreed and acknowledged:

PHONE1, INC.

By: /s/ Dario Echeverry
Name:  Dario Echeverry
Title: Chief Executive Officer

PHONE1GLOBALWIDE, INC.

By: /s/ Dario Echeverry
Name:  Dario Echeverry
Title: Chief Executive Officer

GLOBALTRON COMMUNICATIONS CORPORATION

By: /s/ Dario Echeverry
Name:  Dario Echeverry
Title: Chief Executive OfficerEXH 10.50

April 30, 2003

Phone1, Inc., Phone1Globalwide, Inc. and
Globaltron Communications Corporation
100 North Biscayne Blvd, Suite 2500

Miami, Florida 33132

Ladies and Gentlemen:

     We refer to the Loan Agreement (the "Loan Agreement") dated February 17,
2003, 2002, among Phone1, Inc. ("Phone1"), Phone1Globalwide, Inc. ("Global"),
Globaltron Communications Corporation ("GCC") and GNB Bank Panama S.A. ("GNB").
Capitalized terms not otherwise defined herein shall have the meaning ascribed
to them in the Loan Agreement.

     We hereby advise you that we are not exercising our right to call an
earlier maturity of the Loan based upon the failure of Phone1, Global or GCC to
receive prior to April 30, 2003, a loan from any person in an amount of at least
US$5,000,000, as provided in Section 2.8 of the Loan Agreement; provided
however, that GNB reserves the right to call an earlier maturity of the Loan
under Section 2.8 of the Loan Agreement in the event that prior to July 31,
2003, neither Phone1, Global nor GCC receives a loan from any person in an
amount of at least US$5,000,000.

     Except as provided herein, this letter agreement shall not have any effect
on any other term or provision of the Loan Agreement, which shall continue to
remain in full force and effect in accordance with its terms.

     This letter agreement shall be governed by and construed in accordance with
the laws of the State of New York, without regard to conflict of law principles.
In the event of any claim or dispute in respect to the subject matter hereof or
the rights or obligations of the parties hereto, all actions or proceedings must
be exclusively brought in the United States District Court for the Southern
District of New York or if such Court lacks subject matter jurisdiction, in the
Supreme Court of the State of New York, County of New York. Each party waives
the right to object to the exclusive jurisdiction of either of such Court or the
right to object to the venue of such Court or that such Court is an inconvenient
forum. Nothing in this letter agreement shall be deemed to constitute a general
consent to service of process or the in personam jurisdiction of the United
States District Court for the Southern District of New York, County of New York
or the Supreme Court of the State of New York for legal actions or proceedings
not related to the transactions contemplated by this letter agreement.

     This letter agreement is binding upon, and shall inure to the benefit of
the parties hereto and their respective heirs, executors, administrators,
successors and assigns.

<PAGE>

         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,

                                          GNB BANK (PANAMA) S.A.

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

Agreed and acknowledged:

PHONE1, INC.

By: /s/ Dario Echeverry
Name:  Dario Echeverry
Title: Chief Executive Officer

PHONE1GLOBALWIDE, INC.

By: /s/ Dario Echeverry
Name:  Dario Echeverry
Title: Chief Executive Officer

GLOBALTRON COMMUNICATIONS CORPORATION

By: /s/ Dario Echeverry
Name:  Dario Echeverry
Title: Chief Executive OfficerEXH 10.51

May 11, 2003

Phone1, Inc., Phone1Globalwide, Inc. and
Globaltron Communications Corporation
100 North Biscayne Blvd, Suite 2500
Miami, Florida 33132

Ladies and Gentlemen:

     We refer to the Loan Agreement (the "Loan Agreement") dated September 30,
2002, among Phone1, Inc. ("Phone1"), Phone1Globalwide, Inc. ("Global"),
Globaltron Communications Corporation ("GCC") and GNB Bank Panama S.A. ("GNB").
Capitalized terms not otherwise defined herein shall have the meaning ascribed
to them in the Loan Agreement.

     GNB hereby confirms to you that we have extended the time by which Global
is required to file a registration statement pursuant to Section 2.11 of the
Loan Agreement to July 31, 2003.

     Except as provided herein, this letter agreement shall not have any effect
on any other term or provision of the Loan Agreement, which shall continue to
remain in full force and effect in accordance with its terms.

     This letter agreement shall be governed by and construed in accordance with
the laws of the State of New York, without regard to conflict of law principles.
In the event of any claim or dispute in respect to the subject matter hereof or
the rights or obligations of the parties hereto, all actions or proceedings must
be exclusively brought in the United States District Court for the Southern
District of New York or if such Court lacks subject matter jurisdiction, in the
Supreme Court of the State of New York, County of New York. Each party waives
the right to object to the exclusive jurisdiction of either of such Court or the
right to object to the venue of such Court or that such Court is an inconvenient
forum. Nothing in this letter agreement shall be deemed to constitute a general
consent to service of process or the in personam jurisdiction of the United
States District Court for the Southern District of New York, County of New York
or the Supreme Court of the State of New York for legal actions or proceedings
not related to the transactions contemplated by this letter agreement.

     This letter agreement is binding upon, and shall inure to the benefit of
the parties hereto and their respective heirs, executors, administrators,
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.

<PAGE>

                                           Very truly yours,

                                           GNB BANK (PANAMA) S.A.

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

Agreed and acknowledged:

PHONE1, INC.

By: /s/ Dario Echeverry
Name:  Dario Echeverry
Title: Chief Executive Officer

PHONE1GLOBALWIDE, INC.

By: /s/ Dario Echeverry
Name:  Dario Echeverry
Title: Chief Executive Officer

GLOBALTRON COMMUNICATIONS CORPORATION

By: /s/ Dario Echeverry
Name:  Dario Echeverry
Title: Chief Executive OfficerEXH 10.52

                           VIA ONE TECHNOLOGIES, INC.
                            525 Broadway, Fifth Floor
                            New York, New York 10012

February 20, 2003

Mr. Dario Echeverry
President and CEO
Phone 1
100 North Biscayne Boulevard
25th Floor
Miami, FL  33132

Dear Mr. Echeverry:

I refer to that certain letter agreement (the "Initial Letter Agreement") dated
October 15, 2002 by and between Via One Technologies, Inc., a New Jersey
corporation ("Via One") and Phone1, Inc., a Florida corporation ("Phone1") (the
"Agreement") concerning a venture to develop a Phone1 branded calling
card/service.

This letter shall serve to confirm the following: (a) the Agreement has been
cancelled and shall be of no further force or effect, (b) neither Via One nor
Phone1 shall have any rights or obligations relative to, or arising from, the
Agreement, (c) Via One and Phone1 mutually release on another from any and all
claims or actions relative to, or arising from, the Agreement, and (d) the
cancellation, waiver and release described in (a) through (c) above have been
agreed to by Via One at the request of Phone1 and based on the parties'
commitment to use their mutual good faith efforts to negotiate and execute a
"Phone1 branded services" agreement as a replacement for the Agreement; the
scope and all of the terms and conditions of which shall be subject to such good
faith negotiations.

If you agree to the foregoing, please sign on behalf of Phone1 where indicated
below:

                                        Very truly yours,

                                        VIA ONE TECHNOLOGIES, INC.

                                        By: /s/ Asheem Aggarwal  Date: 2/20/03
                                            -------------------        -------
                                        Name:  Asheem Aggarwal
                                        Title:  President

Agreed and Accepted:

PHONE1, INC.

By:      /s/ Dario Echeverry        Date: 2/20/03
         -------------------              -------
Name:    Dario Echeverry
Title:   President

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