Exhibit 10.48

                                      LOAN


Borrower:           Universe2U  Canada  Inc.

Lender:             Frank  Servedio

Amount:             $200,000  CDN

Date  of  Loan:     November  14,  2001

Use  of  Proceeds:  Operations

Maturity:           February  18,  2002

Interest Rate

Extension           60-day  extension  upon  payment of a fee of $10,000 CDN

Penalty  provisions     500,000  shares  if the loan is not repaid by the end of
the  first  60-day  period  and  an additional 250,000 shares if the loan is not
repaid  by  the  end  of  the  second  60-day  period

Expenses     Company  pays  all  associated  expenses  to  establish  the  loan

Stock  Payment     At maturity or repayment, 45,000 common shares of UTOU common
stock


Please  confirm your acceptance of the Loan on the terms stated above by signing
and  returning  to  us  the  enclosed  copy  of  this  Agreement, whereupon this
Agreement  shall  become  a  binding  agreement  between  us.

     Very  truly  yours,

     FRANK  SERVEDIO


     By:    /s/  Frank  Servedio
          Name:  Frank  Servedio



Agreed  to  this 18  day  of  Feb.,  2002.

UNIVERSE2U  INC.


     By:/s/ Kim Allen
     Name:  Kim  Allen
     Title:  CEO