SECOND LOAN AMENDMENT AGREEMENT

THIS AGREEMENT dated for reference April 30, 2003, isbetween:

                        QUEST INVESTMENT CORPORATION, a British            Columbia                        company, having an office at Suite 300, 570 Granville            Street,                        Vancouver, British Columbia V6C 3P1

                                                                                                                            (the "Lender")

AND:

                        ZI CORPORATION, an Alberta corporation,            having an office at Suite                        2100, 840 - 7th Avenue SW, Calgary,            Alberta T2P 3G2

                                                                                                                            (the "Borrower")

BACKGROUND

A.      The Lender and the Borrower entered into a loanagreement dated for reference December 5, 2002 (the "Loan Agreement"), underwhich the Lender has advanced the principal sum of US$3,300,000 (the "Loan").

B.      The Lender and the Borrower entered into a loanamendment agreement dated for reference March 19, 2003 (the "Loan AmendmentAgreement"), under which the parties agreed to extend the term of the Loan toApril 30, 2003.

C.      The Lender and the Borrower wish to amend the termsof the Loan, the Loan Agreement and the Loan Amendment Agreement pursuant to theterms of this Agreement.

AGREEMENTS

For good and valuable consideration, the receipt andsufficiency of which each party acknowledges, the parties agree as follows:

| 1.**Outstanding Principal Balance. The Borrower    acknowledges and agrees that as of the date of this Agreement, the    outstanding principal amount of the Loan was US$3,240,000. 
2.**Loan Extension. Subject to paragraph 7 below, the    Loan Agreement is hereby amended and modified by deleting subparagraph    4(a)(i) in its entirety and replacing it with the following:  
"(i) May 7, 2003;". 
3.**Interest Payments. Interest shall continue to accrue    and be payable in accordance with paragraph 5 of the Loan Agreement. 
4.**AOL Subordination. The Borrower will continue to use    all reasonable commercial efforts to obtain the written consent of America    Online, Inc. (AAOL@) to the subordination of its security to the security of    the Lender, as contemplated pursuant to Section 5.18 of the Security    Agreement between the Borrower and AOL dated December 6, 2002. 
5.**Representations and Warranties. The Borrower affirms    and restates each of the  
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-2-      representations and warranties set out in    paragraph 9 of the Loan Agreement as of the date of this Agreement. 
6.**Definitions. Unless otherwise defined in this    Agreement, all defined terms herein shall have the meanings ascribed in the    Loan Agreement. 
7.**Amendment. This Agreement amends and modifies the    Loan Agreement and the Loan Amendment Agreement and, together with them and    the collateral documents referred to therein, constitutes the entire    agreement between the parties. This Agreement may only be modified by    further written instrument, signed by each of the parties hereto. 
8.**Legal Fees. The Borrower covenants and agrees to pay    all of the Lender's legal fees and other costs, charges and expenses of and    incidental to the preparation, execution and carrying out of this Agreement    or as may otherwise be required by the Lender to complete the transactions    contemplated herein. 
9.**Further Assurances. The parties hereto shall provide    such further assurances, documents and instruments as the Lender may    reasonably require to complete the transactions contemplated in the Loan    Agreement and herein. 
10.**Time of the Essence. Time shall remain of the essence    of this Agreement. 
11.**Counterparts. This Agreement may be signed in one or    more counterparts, originally or by facsimile, each such counterpart taken    together shall form one and the same agreement.
TO EVIDENCE THEIR AGREEMENT each of the parties has executedthis Agreement on the date first above written.
**QUEST INVESTMENT CORPORATION **
Per:***"Brian Bayley" 
Authorized Signatory**ZI CORPORATION **
Per:***"Michael Lobsinger" 
Authorized Signatory 
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Quarry Bay Investments Inc. hereby acknowledges receipt ofnotice of the extension of the Loan pursuant to this Second Loan AmendmentAgreement and confirms its agreement to continue to be bound by the terms of itsLimited Recourse Guarantee and the Share Pledge Amendment Agreement, both datedfor reference March 19, 2003.
**QUARRY BAY INVESTMENTS INC.**
Per:
***"Brian Bayley"
Authorized Signatory 
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