<PAGE>


     EXHIBIT 4.9
     THIS NOTE AND THE COMMON SHARES ISSUABLE UPON CONVERSION OF THIS NOTE HAVE
     NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED. THIS NOTE
     AND THE COMMON SHARES ISSUABLE UPON CONVERSION OF THIS NOTE MAY NOT BE
     SOLD, OFFERED FOR SALE, PLEDGED OR HYPOTHECATED IN THE ABSENCE OF AN
     EFFECTIVE REGISTRATION STATEMENT AS TO THIS NOTE UNDER SAID ACT OR AN
     OPINION OF COUNSEL REASONABLY SATISFACTORY TO ONE VOICE TECHNOLOGIES, INC.,
     THAT SUCH REGISTRATION IS NOT REQUIRED.

                                CONVERTIBLE NOTE
                                ----------------

     FOR VALUE RECEIVED, ONE VOICE TECHNOLOGIES, INC., a Nevada corporation
(hereinafter called the "Borrower"), hereby promises to pay to Stonestreet
Limited Partnership, an Ontario Limited Partnership, c/o Canaccord Capital, 320
Bay Street, Suite 1300, Toronto, Ontario M5H 4A6 Canada Fax: 416-956-8989 (the
"Holder") on order, without demand, the sum of Fifty Two Thousand Five Hundred
Dollars ($52,500), with simple interest accruing at the annual rate of 4%, on
January __, 2004 (the "Maturity Date").

     The following terms shall apply to this Note:

                                    ARTICLE I

                           DEFAULT RELATED PROVISIONS

     1.1 Payment Grace Period. The Borrower shall have a ten (10) day grace
         --------------------
period to pay any monetary amounts due under this Note, after which grace period
a default interest rate of twenty percent (20%) per annum shall apply to the
amounts owed hereunder.

     1.2 Conversion Privileges. The Conversion Privileges set forth in Article
         ---------------------
II shall remain in full force and effect immediately from the date hereof and
until the Note is paid in full.

     1.3 Interest Rate. Subject to the Holder's right to convert, interest
         -------------
payable on this Note shall accrue at the annual rate of four percent (4%) and be
payable, in cash or in shares of the Borrower's Common Stock, in arrears
commencing March 31, 2002 and quarterly thereafter, and on the Maturity Date,
accelerated or otherwise, when the principal and remaining accrued but unpaid
interest shall be due and payable, or sooner as described below. If the Borrower
elects to make interest payments in shares of its Common Stock, the resale of
such shares must be subject to an effective registration statement and such
payments shall be based on the Conversion Price set forth in Section 2.1(b)
below.


                                       1

<PAGE>


                                   ARTICLE II

                                CONVERSION RIGHTS

         The Holder shall have the right to convert the principal amount and
interest due under this Note into shares of the Borrower's Common Stock as set
forth below.

         2.1. Conversion into the Borrower's Common Stock.
              -------------------------------------------

         (a) The Holder shall have the right from and after the issuance of this
Note and then at any time until this Note is fully paid, to convert any
outstanding and unpaid principal portion of this Note, and at the Holder's
election, the interest accrued on the Note, (the date of giving of such notice
of conversion being a "Conversion Date") into fully paid and nonassessable
shares of common stock of the Borrower as such stock exists on the date of
issuance of this Note, or any shares of capital stock of the Borrower into which
such stock shall hereafter be changed or reclassified (the "Common Stock") at
the conversion price as defined in Section 2.1(b) hereof (the "Conversion
Price"), determined as provided herein. Upon delivery to the Borrower of a
Notice of Conversion as described in Section 8 of the Securities Purchase
Agreement entered into between the Borrower and certain persons who are
signatories thereto, including the Holder, relating to this Note (the "Purchase
Agreement") of the Holder's written request for conversion, the Borrower shall
issue and deliver to the Holder within four business days beginning on the day
following the date that the Company receives the Notice of Conversion that
number of shares of Common Stock for the portion of the Note converted in
accordance with the foregoing. At the election of the Holder, the Borrower will
deliver accrued but unpaid interest on the Note through the Conversion Date
directly to the Holder on or before the Delivery Date (as defined in the
Purchase Agreement). The number of shares of Common Stock to be issued upon each
conversion of this Note shall be determined by dividing that portion of the
principal of the Note to be converted and interest, if any, by the Conversion
Price.

         (b) Subject to adjustment as provided in Section 2.1(c) hereof, the
Conversion Price per share shall be the lower of (i) one hundred and five
percent (105%) of the closing price for the Common Stock on the NASD OTC
Bulletin Board, NASDAQ SmallCap Market, NASDAQ National Market System, American
Stock Exchange, or New York Stock Exchange (whichever of the foregoing is at the
time the principal trading exchange or market for the Common Stock, the
"Principal Market"), or if not then trading on a Principal Market, such other
principal market or exchange where the Common Stock is listed or traded, on the
Closing Date (as defined in the Purchase Agreement) in connection with which
this Note is issued ("Maximum Base Price"); or (ii) eighty percent (80%) of the
five lowest "VWAP" for the Common Stock on the Principal Market, or on any
securities exchange or other securities market on which the Common Stock is then
being listed or traded, for the thirty (30) trading days prior to but not
including the Conversion Date. "VWAP" shall mean the daily volume weighted
average prices of the Common Stock on the Principal Market as reported by
Bloomberg, L.P. using the AQR function.

                                       2

<PAGE>


     (c) The Maximum Base Price described in Section 2.1(b)(i) above and number
and kind of shares or other securities to be issued upon conversion determined
pursuant to Section 2.1(a) and 2.1(b), shall be subject to adjustment from time
to time upon the happening of certain events while this conversion right remains
outstanding, as follows:

          A. Merger, Sale of Assets, etc. If the Borrower at any time shall
             ---------------------------
consolidate with or merge into or sell or convey all or substantially all its
assets to any other corporation, this Note, as to the unpaid principal portion
thereof and accrued interest thereon, shall thereafter be deemed to evidence the
right to purchase such number and kind of shares or other securities and
property as would have been issuable or distributable on account of such
consolidation, merger, sale or conveyance, upon or with respect to the
securities subject to the conversion or purchase right immediately prior to such
consolidation, merger, sale or conveyance. The foregoing provision shall
similarly apply to successive transactions of a similar nature by any such
successor or purchaser. Without limiting the generality of the foregoing, the
anti-dilution provisions of this Section shall apply to such securities of such
successor or purchaser after any such consolidation, merger, sale or conveyance.

          B. Reclassification, etc. If the Borrower at any time shall, by
             ---------------------
reclassification or otherwise, change the Common Stock into the same or a
different number of securities of any class or classes, this Note, as to the
unpaid principal portion thereof and accrued interest thereon, shall thereafter
be deemed to evidence the right to purchase an adjusted number of such
securities and kind of securities as would have been issuable as the result of
such change with respect to the Common Stock immediately prior to such
reclassification or other change.

          C. Stock Splits, Combinations and Dividends. If the shares of Common
             ----------------------------------------
Stock are subdivided or combined into a greater or smaller number of shares of
Common Stock, or if a dividend is paid on the Common Stock in shares of Common
Stock, the Conversion Price shall be proportionately reduced in case of
subdivision of shares or stock dividend or proportionately increased in the case
of combination of shares, in each such case by the ratio which the total number
of shares of Common Stock outstanding immediately after such event bears to the
total number of shares of Common Stock outstanding immediately prior to such
event.

          D. Share Issuance. Subject to the provisions of this Section, if the
             --------------
Borrower at any time shall issue any shares of Common Stock prior to the
conversion of the entire principal amount of the Note (otherwise than as: (i)
provided in Sections 2.1(c)A, 2.1(c)B or 2.1(c)C or this subparagraph D; or (ii)
pursuant to options, warrants, or other obligations to issue shares, outstanding
on the date hereof as set forth in the Schedules to the Purchase Agreement; ((i)
and (ii) above, are hereinafter referred to as the "Existing Option
Obligations") for a consideration less than the Conversion Price that would be
in effect at the time of such issue, then, and thereafter successively upon each
such issue, the Conversion Price shall be reduced as follows: (i) the number of
shares of Common Stock outstanding immediately prior to such issue shall be
multiplied by the Conversion Price in effect at the time of such issue and the
product shall be added to the aggregate consideration, if any, received by the
Borrower upon such issue of additional shares of

                                       3

<PAGE>


Common Stock; and (ii) the sum so obtained shall be divided by the number of
shares of Common Stock outstanding immediately after such issue. The resulting
quotient shall be the adjusted conversion price. Except for the Existing Option
Obligations and options that may be issued under any employee incentive stock
option and/or any qualified stock option plan adopted by the Borrower, or
securities issued in connection with equipment leasing financings or other
related transactions, for purposes of this adjustment, the issuance of any
security of the Borrower carrying the right to convert such security into shares
of Common Stock or of any warrant, right or option to purchase Common Stock
shall result in an adjustment to the Conversion Price upon the issuance of
shares of Common Stock upon exercise of such conversion or purchase rights.

     (d) During the period the conversion right exists, the Borrower will
reserve from its authorized and unissued Common Stock a sufficient number of
shares to provide for the issuance of Common Stock upon the full conversion of
this Note. The Borrower represents that upon issuance, such shares will be duly
and validly issued, fully paid and non-assessable. The Borrower agrees that its
issuance of this Note shall constitute full authority to its officers, agents,
and transfer agents who are charged with the duty of executing and issuing stock
certificates to execute and issue the necessary certificates for shares of
Common Stock upon the conversion of this Note.

     2.2 Method of Conversion. This Note may be converted by the Holder in whole
         --------------------
or in part as described in Section 2.1(a) hereof and the Purchase Agreement.
Upon partial conversion of this Note, a new Note containing the same date and
provisions of this Note shall, at the request of the Holder, be issued by the
Borrower to the Holder for the principal balance of this Note and interest which
shall not have been converted or paid.

                                   ARTICLE III

                                EVENT OF DEFAULT

     The occurrence of any of the following events of default ("Event of
Default") shall, at the option of the Holder hereof, make all sums of principal
and interest then remaining unpaid hereon and all other amounts payable
hereunder immediately due and payable, except as set forth below:

     3.1 Failure to Pay Principal or Interest. The Borrower fails to pay any
         ------------------------------------
installment of principal or interest hereon or on any other promissory note
issued pursuant to the Purchase Agreement, when due and such failure continues
for a period of five (5) days after the due date.

     3.2 Breach of Covenant. The Borrower breaches any material covenant or
         ------------------
other term or condition of this Note in any material respect and such breach, if
subject to cure, continues for a period of seven (7) days after written notice
to the Borrower from the Holder.


                                       4

<PAGE>

                  3.3  Breach of Representations and Warranties. Any material
                       ----------------------------------------
representation or warranty of the Borrower made herein or in the Purchase
Agreement, shall be false or misleading.

                  3.4  Receiver or Trustee. The Borrower shall make an
                       -------------------
assignment for the benefit of creditors, or apply for or consent to the
appointment of a receiver or trustee for it or for a substantial part of its
property or business; or such a receiver or trustee shall otherwise be
appointed.

                  3.5  Judgments. Any money judgment, writ or similar final
                       ---------
process shall be entered or filed against the Borrower or any of its property or
other assets for more than $50,000, and shall remain unvacated, unbonded or
unstayed for a period of forty-five (45) days.

                  3.6  Bankruptcy. Bankruptcy, insolvency, reorganization or
                       ----------
liquidation proceedings or other proceedings or relief under any bankruptcy law
or any law for the relief of debtors shall be instituted by or against the
Borrower and the bankruptcy shall not have been stayed or discharged within 60
days.

                  3.7  Delisting. Delisting of the Common Stock from the Nasdaq
                       ---------
SmallCap Market or such other principal exchange on which the Common Stock is
listed for trading; the Borrower's failure to comply with the conditions for
listing; or notification that the Borrower is not in compliance with the
conditions for such continued listing, and such failure or non-compliance is not
cured within 25 days.

                  3.8  Concession. A concession by the Borrower, after
                       ----------
applicable notice and cure periods, under any one or more obligations in an
aggregate monetary amount in excess of $50,000.

                  3.9  Stop Trade. An SEC stop trade order or Principal Market
                       ----------
trading suspension.

                  3.10 Failure to Deliver Common Stock or Replacement Note. The
                       ---------------------------------------------------
Borrower's failure to timely deliver Common Stock to the Holder pursuant to and
in the form required by this Note and Section 8 of the Purchase Agreement, or if
required a replacement Note.

                  3.11 Registration Default. The occurrence of a
                       --------------------
Non-Registration Event as described in Section 9.4 of the Purchase Agreement and
such event shall be continuing for a period of 15 days.

                  3.12 Approval Default. The occurrence of an Approval Default
                       ----------------
as described in Section 8.7 of the Purchase Agreement.


                                   ARTICLE IV

                                  MISCELLANEOUS

                                       5

<PAGE>


          4.1  Failure or Indulgence Not Waiver. No failure or delay on the part
               --------------------------------
of the Holder hereof in the exercise of any power, right or privilege hereunder
shall operate as a waiver thereof, nor shall any single or partial exercise of
any such power, right or privilege preclude other or further exercise thereof or
of any other right, power or privilege. All rights and remedies existing
hereunder are cumulative to, and not exclusive of, any rights or remedies
otherwise available.

          4.2  Notices. Any notice herein required or permitted to be given
               -------
shall be in writing and shall be deemed effectively given: (a) upon personal
delivery to the party notified, (b) when sent by confirmed telex or facsimile if
sent during normal business hours of the recipient, if not, then on the next
business day, (c) five days after having been sent by registered or certified
mail, return receipt requested, postage prepaid, or (d) one day after deposit
with a nationally recognized overnight courier, specifying next day delivery,
with written verification of receipt. All communications shall be sent to the
Borrower at the address as set forth on the signature page to the Purchase
Agreement executed in connection herewith and to the Holder at the address set
forth on the signature page to the Purchase Agreement for such Holder, with a
copy to Daniel M. Laifer, Esq., 135 West 50th Street, Suite 1700, New York, New
York 10020, facsimile number (212) 541-4434, or at such other address as the
Borrower or the Holder may designate by ten days advance written notice to the
other parties hereto. A Notice of Conversion shall be deemed given when made to
the Borrower pursuant to the Purchase Agreement.

          4.3  Amendment Provision. The term "Note" and all reference thereto,
               -------------------
as used throughout this instrument, shall mean this instrument as originally
executed, or if later amended or supplemented, then as so amended or
supplemented.

          4.4  Assignability. This Note shall be binding upon the Borrower and
               -------------
its successors and assigns, and shall inure to the benefit of the Holder and its
successors and assigns, and may be assigned by the Holder.

          4.5  Cost of Collection. If default is made in the payment of this
               ------------------
Note, the Borrower shall pay the Holder hereof reasonable costs of collection,
including reasonable attorneys' fees.

          4.6  Governing Law. This Note shall be governed by and construed in
               -------------
accordance with the laws of the State of New York, without regard to principles
of conflicts of laws. Any action brought by either party against the other
concerning the transactions contemplated by this Agreement shall be brought only
in the state courts of New York or in the federal courts located in the state of
New York. Both parties and the individual signing this Note on behalf of the
Borrower agree to submit to the jurisdiction of such courts. The prevailing
party shall be entitled to recover from the other party its reasonable
attorney's fees and costs. In the event that any provision of this Note is
invalid or unenforceable under any applicable statute or rule of law, then such
provision shall be deemed inoperative to the extent that it may conflict
therewith and shall be deemed modified to conform with such statute or rule of
law. Any such provision which may prove invalid or unenforceable under any law
shall not affect the validity or unenforceability of any other provision of this
Note.

                                       6

<PAGE>


          4.7  Maximum Payments. Nothing contained herein shall be deemed to
               ----------------
establish or require the payment of a rate of interest or other charges in
excess of the maximum permitted by applicable law. In the event that the rate of
interest required to be paid or other charges hereunder exceed the maximum
permitted by such law, any payments in excess of such maximum shall be credited
against amounts owed by the Borrower to the Holder and thus refunded to the
Borrower.

          4.8  Prepayment. This Note may not be paid (in whole or in part) prior
               ----------
to the Maturity Date without the consent of the Holder.

          4.9  Construction. Each party acknowledges that its legal counsel
               ------------
participated in the preparation of this Note and, therefore, stipulates that the
rule of construction that ambiguities are to be resolved against the drafting
party shall not be applied in the interpretation of this Note to favor any party
against the other.

                      [THIS SPACE INTENTIONALLY LEFT BLANK]





                                       7

<PAGE>

         IN WITNESS WHEREOF, the Borrower has caused this Note to be signed in
its name by its Chief Executive Officer on this ___ day of January, 2002.

                                    One Voice Technologies, Inc.

                                    By:________________________________




WITNESS:



-------------------------------





                                       8

<PAGE>

                              NOTICE OF CONVERSION
                              --------------------

(To be executed by the Holder in order to convert the Note)


         The undersigned hereby elects to convert $_________ of the principal
and $_________ of the interest due on the Note issued by ONE VOICE TECHNOLOGIES,
INC. on January __, 2002 into Shares of Common Stock of ONE VOICE TECHNOLOGIES,
INC. (the "Borrower") according to the conditions set forth in such Note, as of
the date written below.


Date of Conversion:_____________________________________________________________


Conversion Price:_______________________________________________________________


Shares To Be Delivered:_________________________________________________________


Signature:______________________________________________________________________


Print Name:_____________________________________________________________________


Address:________________________________________________________________________


        ________________________________________________________________________





                                       9