Exhibit 10.20

                                   DEMAND NOTE

New York, New York
January 31, 2003

                                                                      $10,183.20


                  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 Philip D. Turits, a resident of the State of New York ("Lender"), the sum
of TEN THOUSAND ONE HUNDRED  EIGHTY-THREE  AND 10/100  DOLLARS  ($10,183.20)  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) 4.75% 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,  2003.  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 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.





                  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:  Matthew Rosen
                             Title: Chief Operating Officer