Document:

Exhibit 10.3

THIS NOTE MAY NOT BE TRANSFERRED, SOLD, PLEDGED OR OTHERWISE DISPOSED OF EXCEPT
IN ACCORDANCE WITH ALL APPLICABLE FEDERAL AND STATE SECURITIES LAWS.

                                      NOTE
                                      ----

$20,000,000.00                                               September 30, 2002

                  FOR VALUE RECEIVED, Phone1, Inc., a Florida corporation (the
"Borrower"), having a principal office at 100 North Biscayne Blvd, Suite 2500,
Miami, FL 33131, IRREVOCABLY AND UNCONDITIONALLY PROMISES to pay to the order
of GNB Bank Panama S.A. ("Lender") on the Repayment Date (as defined below) at
Calle 50 y Aquilino de la Guardia, Torre Banco Continental, Piso 30, Panama
City, Republic of Panama (the "Office"), or such other place, as may be
designated by the Lender in a written notice given to the Borrower, in lawful
money of the United Sates of America in New York Clearing House funds, the
principal sum of twenty million ($20,000,000.00) United States Dollars (the
"Principal Amount"). The Repayment Date shall occur on the earliest of (i)
October 31, 2003; (ii) the occurrence of an Event of Default or (iii) November
30, 2002, if on or prior to such date, neither Borrower nor Guarantors have
received a loan for a period of 12 months in the amount of at least
US$5,000,000.

                  Capitalized terms used herein but not defined shall have the
meanings ascribed to them in the Loan Agreement, dated as of the date hereof,
between the Borrower, the Lender, Phone1Globalwide, Inc. ("Global") and
Globaltron Communications Corporation ("GCC" and together with Global, the
"Guarantors").

                  The Borrower shall pay interest in respect of the unpaid
principal amount of the Loan from the date hereof until the Repayment Date
(whether by acceleration or otherwise) at a rate per annum which shall be equal
to the Interest Rate in effect from time to time plus 2%. If principal or
interest on the Loan is not paid when due, thereafter the Borrower shall pay
interest in respect of the unpaid principal amount of the Loan at a rate per
annum equal to 5% in excess of the Interest Rate but not in excess of usury
laws. Accrued (and theretofore unpaid) interest in respect of the Loan shall be
payable (i) monthly in arrears commencing on October 31, 2002; or (ii) in the
occurrence of an Event of Default, on demand. Interest is calculated on the
basis of a year of 360 days and actual days elapsed.

                  The Lender may elect (either prior to the Repayment Date or
after the Repayment Date, if the Loan and the Note have not been fully paid) to
convert the Loan and the Note in whole or in part, as elected by the Lender into
(i) such number of shares of common stock of Global or (ii) such number of
securities of Global into which any other lender with conversion rights elects
to convert its debt, equal to the principal and interest accrued thereon under
the Note that the Lender elects to convert divided by the Per Share Price. In
the event that the Lender exercises its conversion right with respect to only a
portion of the outstanding principal amount and/or accrued interest under the
Loan and the Note, that portion of the principal amount not so converted shall
continue to accrue interest and shall be repayable by the Borrower in accordance
with the terms hereof and the Borrower shall issue a new promissory note to the
Lender in substantially the form of the surrendered Note, in an aggregate
principal amount equal to the remaining unpaid principal balance of the
surrendered Note.

                  All payments under this Note shall be made without deduction
or withholding for and free and clear of any taxes, levies, imposts or duties of
<PAGE>

any nature, present or future, unless such deduction or withholding is required
by law, in which event the undersigned shall pay such additional amounts as
shall result in the recipients of such amounts as would have been received by it
hand no such deduction or withholding been required.

                  The Borrower shall pay on demand all losses, costs and
expenses, if any (including collection, enforcement and reasonable counsel fees
and expenses), in connection with the enforcement (whether through negotiations,
legal proceedings or otherwise) of this Note.

                  The Borrower hereby waives presentment, demand, protest or
notice of any kind in connection with this Note.

                  No failure on the part of Lender to exercise, and no delay in
exercising, any right hereunder shall operate as a waiver thereof; nor shall any
single or partial exercise of any right hereunder preclude any other or further
exercise thereof or the exercise of any other right. The remedies herein
provided are cumulative and not exclusive of any remedies provided by law.

                  This Note shall be governed by and construed in accordance
with the laws of the State of New York, United States of America, without regard
to conflict of law principles.

                  Any proceedings with respect to the interpretation of this
Note or the rights and obligations of the undersigned shall 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 and the undersigned waives the
right to object to the jurisdiction or venue of either such Court or to claim it
is inconvenient forum.

                                  PHONE1, INC.

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

                                    GUARANTY

                  Phone1Globalwide, Inc. ("Global") and Globaltron
Communications Corporation ("GCC"), each having principal office at 100 North
Biscayne Blvd., Suite 2500, Miami, Florida 33131, each, jointly and severally,
irrevocably and unconditionally guarantee the full and prompt payment when due
of the principal amount of and interest on this Note. Each of Global and GCC
understands, agrees and confirms that the Lender may enforce this guaranty
obligation up to the full amount due by Borrower against either of Global or GCC
without proceeding against Borrower or the other of them. Each of Global and GCC
irrevocably and unconditionally promises to pay Borrower's obligations to the
Lender, or order, on demand when due, in lawful money of the United States of
America. The guaranty provided herein shall constitute a guarantee of payment
and not of collection.

                  Each of Global and GCC hereby waives notice of acceptance of
this guaranty obligation and notice of any liability to which it may apply, and
<PAGE>

waives presentment, demand of payment, protest, notice of dishonor or nonpayment
of any such liability, suit or taking of other action by the Lender against, and
any other notice to, any party liable thereon (including Global or GCC).

                  The obligations of each of Global and GCC herein are absolute
and unconditional and shall remain in full force and effect without regard to,
and shall not be released, suspended, discharged, terminated or otherwise
affected by, any circumstance or occurrence whatsoever.

                                             GLOBALTRON COMMUNICATIONS
                                             CORPORATION

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

                                             PHONE1GLOBALWIDE, INC.

                                             By: /s/ Dario Echeverry
                                             Name: Dario Echeverry
                                             Title: Chief Executive Officer<page>
                            CONSULTING AGREEMENT

     THIS CONSULTING AGREEMENT is made and entered into as of this 30th day
of September, 2002 by and between GENE-CELL, INC., hereinafter referred to
as "Company", with its principal place of business at 3107 Colony Plaza,
Newport Beach, CA,  and, James Williams, with his place of business at 990
Highland Drive, Suite 106, Solana Beach, CA 92075 hereinafter referred to
as "Consultant".

RECITALS

          WHEREAS, the Company desires to continue the consulting services
of the Consultant in the areas of Corporate Image Advertising, Business
Development, and Business Strategy for the Company (the "Services")  in
connection with the Company's business, namely, Bio Technology (the
"Business");

          WHEREAS, in consideration for Services, the Company shall issue
its common stock that shall be registered on Form S-8 upon the terms and
conditions hereafter set forth.

     NOW, THEREFORE, in consideration of the promises and the mutual
agreements hereinafter set forth, the parties hereto agree as follows:

1.   Engagement.  The Company hereby retains and engages Consultant to
perform the following consulting services (the "Services");

     1.1 Duties of Consultant. The Consultant will provide such services
and advice to the Company so as to advise the Company in business
development, business strategy and corporate image..  Without limiting the
generality of the foregoing, Consultant will also assist the Company in
developing, studying and evaluating acquisition proposals, prepare reports
and studies thereon when advisable, and assist in matters of executive
compensation and discussions pertaining thereof. Nothing contained herein
constitutes a commitment on the part of the Consultant to find an
acquisition target for the Company or, if such target is found, that any
transaction will be completed.  This Agreement is not a contract for
listing services, and nothing in this Agreement will require the Consultant
to negotiate on behalf of the Company with corporations that are involved
with listings or making a market in corporate securities in the OTC
markets.  Consultant shall undertake such services under the direction of
Robert Gower, CEO for the Company.

     2.   Duties Expressly Excluded.  This Agreement expressly excludes the
Consultant from providing any and all capital formation and/or public
relation services to the Company inclusive of but not limited to (i) direct
or indirect promotion of the Company's securities; (ii) assistance in
making a market in the Company's securities; and (iii) assistance in
obtaining debt and/or equity financing.  The Consultant shall not have the
power of authority to bind the Company to any transaction without the
Company's prior written consent.

                                                                         19

     3.    Consideration. Company and Consultant agree that Consultant
shall  receive from the Company a fee of Sixty Six Thousand Seven Hundred
Fifty (66,750) shares of Company's common stock, as consideration for the
services rendered pursuant to this Agreement. The Company shall file within
five (5) days of the execution of this Agreement a registration statement
on Form S-8 covering such issuance.

     4.   Term.  This Agreement shall be effective for a term of two (2)
months starting November 26, 2002 unless sooner terminated upon mutual
written agreement of the parties hereto.

     5.   Expenses.  Consultant shall bear his out-of-pocket costs and
expenses incident to performing the Consulting Services, with a right of
reimbursement from the Company if such expenses are pre-approved by the
Company.

     6.   Consultant's Liability.  In the absence of gross negligence or
willful misconduct on the part of the Consultant or the Consultant's breach
of any terms of this Agreement, the Consultant shall not be liable to the
Company or to any officer, director, employee, stockholder or creditor of
the Company, for any act or omission in the course of or in connection with
the rendering or providing of services hereunder.  Except in those cases
where the gross negligence or willful misconduct of the Consultant or the
breach by the Consultant of any terms of this Agreement is alleged and
proven, the Company agrees to defend, indemnify, and hold the Consultant
harmless from and against any and all reasonable costs, expenses and
liability (including reasonable attorney's fees paid in the defense of the
Consultant) which may in any way result from services rendered by the
Consultant pursuant to or in any connection with this Agreement.  This
indemnification expressly excludes any and all damages as a result of any
actions or statements, on behalf of the Company, made by the Consultant
without the prior approval or authorization of the Company.

     7.   Company's Liability.  The Consultant agrees to defend, indemnify,
and hold the Company harmless from an against any and all reasonable costs,
expenses and liability (including reasonable attorney's fees paid in
defense of the Company) which may in any way result pursuant to its gross
negligence or willful misconduct or in any connection with any actions
taken or statements made, on behalf of the Company, without the prior
approval or authorization of the Company or which are otherwise in
violation of applicable law.

     8.   Representations.  The Consultant makes the following
representations:
          a.   Consultant has no prior or existing legally binding
obligations that are in conflict with its entering into this Agreement;

          b.   Consultant shall not offer or make payment of any
consideration to brokers, dealers, or others for purposes of inducing the
purchase, making of a market or recommendation for the purchase of the
Company's securities;

          c.   Consultant is not currently the subject of an investigation
or inquiry by the Securities and Exchange Commission, the NASD, or any
state securities commission;

          d.   Consultant's activities and operations fully comply with now
and will comply with in the future all applicable state and federal
securities laws and regulations;

                                                                         20

          e.   Consultant understands that, as a result of its services, it
may come to possess material non-public information about the Company, and
that it has implemented internal control procedures designed to reasonably
to insure that it and none of its employees, agents, Consultant or
affiliates, trade in the securities of Company companies while in
possession of material non-public information;

          f.   During the term of this Agreement and for a period of two
years thereafter, the Consultant shall treat as the Company's confidential
trade secrets all data, information, ideas, knowledge and papers pertaining
to the proprietary technical information of the Company as well as business
and financial information related thereto (the "Confidential Information").
Notwithstanding the foregoing , "Confidential Information" shall not
include and the provisions of this Agreement will not apply to any
information disclosed by the Company and/or Consultant (1) if such
information is demonstrated to be generally available to the public at the
time of disclosure to the Consultant; (2) after the time, if any, that such
information becomes generally available to the public without any breach by
Consultant; (3) was already in the Consultant's possession at the time of
disclosure to the Consultant (whether such time of disclosure is before or
after the date hereof); (4) is developed by the Consultant independently of
the Services; or (5) was lawfully received by the Consultant from a third
party without restriction as to disclosure or use.

          g.        The Consultant shall use the same effort to maintain
the confidentiality of the Company's confidential and proprietary
information as he would his own and shall maintain in strict confidence and
shall not disclose at any time, without the prior written consent of the
Company, any of the Confidential Information to any other person or entity,
unless such information has entered the public domain through lawful means,
without violation of this Agreement, or pursuant to requirements of law or
court order.

     9.   The Company makes the following representations:

          a.   The Company is not currently the subject of an investigation
or inquiry by the Securities and Exchange Commission, the NASD, or any
state securities commission;

          b.   The Company is in good standing in its state of
incorporation;

          c.   The Company and its senior management are not aware of any
materially adverse events not previously disclosed in the Company's annual
and quarterly reports with the Securities and Exchange Commission.

     10.  Entire Agreement.  This Agreement embodies the entire agreement
and understanding between the Company and the Consultant and supersedes any
and all negotiations, prior discussions and preliminary and prior
agreements and understandings related to the primary subject matter hereof.
This Agreement shall not be modified except by written instrument duly
executed by each of the parties hereto.

     11.  Waiver.  No waiver of any of the provisions of this Agreement
shall be deemed, or shall constitute a waiver of any other provisions, nor
shall any waiver constitute a continuing wavier.  No waiver shall be
binding unless executed in writing by the party making the waiver.

                                                                         21

     12.  Assignment and Binding Effect.  This Agreement and the rights
hereunder may not be assigned by the parties (except by operation of law or
merger) and shall be binding upon and inure to the benefit of the parties
and their respective successors, assigns and legal representatives.

     13.  Notices.  Any notice or other communication between the parties
hereto shall be sufficiently given if sent by certified or registered mail,
postage prepaid, or faxed and confirmed at the following locations:

               Company:
               GENE-CELL, INC..
               3107 Colony Plaza,
               Newport Beach, CA, 92660
               Attn: Robert Gower

               Consultant:
               James Williams
               990 Highland Drive, Suite 106,
               Solana Beach, CA 92075
               Attn: Brent Fouch

or at such other location as the addressee may have specified in a notice
duly given to the sender as provided herein.  Such notice or other
communication shall be deemed to be given on the date of receipt.

     14.  Severability.  Every provision of this Agreement is intended to
be severable.  If any term or provision hereof is deemed unlawful or
invalid for any reason whatsoever, such unlawfulness or invalidity shall
not affect the validity of this Agreement.

     15.  Governing Law.  This Agreement shall be construed and interpreted
in accordance with the laws of the State of Nevada, without giving effect
to conflicts of laws.

     16.  Headings.  The headings of this Agreement are inserted solely for
the convenience of reference and are not part of, and are not intended to
govern, limit or aid in the construction of any term or provision hereof.

     17.  Further Acts.  Each party agrees to perform any further acts and
execute and deliver any further documents that may be reasonably necessary
to carry out the provisions and intent of this Agreement.

     18.  Acknowledgment Concerning Counsel.  Each party acknowledges that
it had the opportunity to employ separate and independent counsel of its
own choosing in connection with this Agreement.

                                                                         22

     19.  Independent Contractor Status.  There is no relationship,
partnership, agency, employment, franchise or joint venture between the
parties.  The parties have no authority to bind the other or incur any
obligations on their behalf.

     20.  Counterparts.  This Agreement may be executed simultaneously in
two or more counterparts, each of which shall be deemed an original but all
of which together shall constitute one and the same instrument.

     IN WITNESS WHEREOF, the parties hereto have duly execute this
Agreement as of the date first written above.

GENE-CELL, INC..

BY:_____________________________________
     Robert Gower, its CEO

James Williams

 _________________________________________
     James Williams

                                                                         23

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