To:      The Board of eBanker USA.com, Inc.

From:    Michael Ruxin, Director, Chairman and CEO; Gordon Segal, Director;
         and Gerald Willman,  Director,  Global Med Technologies, Inc.

Global Med Technologies,  Inc. (Global) Hereby Requests the Proposed Terms for a
Loan Extension from eBanker USA.com, Inc. (eBanker)

April 14, 2000
Loan             :  $2,650,000  loan,  convertible  into  shares  of  Global  at
                    $1.6875  (market  close on  4/14/2000),  at 12% interest per
                    annum,  interest and principal due in 270 days following the
                    date of this agreement. eBanker will have the right to elect
                    conversion  on  the  due  date  prior  to  repayment   being
                    accepted.

                    Global will  provide  eBanker with  30-days  advance  notice
                    should it choose  to repay of the Loan  early.  In that time
                    eBanker  will  have the  right to elect  for  conversion  or
                    repayment.


Commitment Fee   :  78,519  free  common  shares of Global  (5% fee,  based on a
                    market price of $1.6875).

Auto Extension   :  If the Loan's accrued interest or principal is not repaid in
                    270 days the Loan's  interest and principal due date will be
                    automatically  extended  to April  15,  2001.  The Loan will
                    become  a  straight  loan,  without   conversion   features.
                    Interest  will  continue  to  accrue on the  balance  at 12%
                    interest per annum.

                    If the Loan's accrued interest or principal is not repaid in
                    270 days, 10-year warrants convertible into common shares of
                    Global  at an  exercise  price of $0.50  will be  issued  to
                    eBanker.  The quantity will be equal to the entire principal
                    and interest amount divided by the new exercise price.

Underlying       :  The Global agrees to provide all eBanker-owned  common stock
Registration        and derivatives on common stock with piggyback  registration
                    rights.

                    Global commits to completing this registration  prior to 180
                    days follow the date of this agreement.

                    Global  commits  to  maintain  registration  of  all  Global
                    eBanker-owned common stock and derivatives on common stock.

Confirmation  of :  Except for the terms above, the terms of the underlying loan
Terms of            agreement,  including  but not  limited to the  default  and
Underlying          remedy provisions,  shall remain unaffected,  unchanged, and
Agreement           unimpaired by reason of this amendment


For and on Behalf of:
Global Med Technologies, Inc.

/s/ Michael Ruxin                           /s/ Gordon Segal
-----------------------                     ----------------------
Michael Ruxin, Director                     Gordon Segal, Director
Date:  April 21, 2000                       Date:  April 21, 2000


<PAGE>


EXHIBIT 10.2 (continued)


/s/ Gerald Willman
------------------------
Gerald Willman, Director
Date:  April 21, 2000

Agreed and accepted by:
eBanker USA.com, Inc.

/s/ Robert Trapp
----------------------
Robert Trapp, Director
Date:  April 25, 2000