LOAN AGREEMENT

THIS AGREEMENT dated for reference May 7, 2003 is between:

                        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

WHEREAS the Lender has agreed to lend to the Borrower and theBorrower has agreed to borrow from the Lender the principal amount of $1,940,000(the "Loan") on the terms and subject to the conditions of this Agreement.

AGREEMENTS

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

| 1.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     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**Definitions.** In this Agreement "Business Day" means a day    which is not a Saturday, Sunday or a statutory holiday in British Columbia    or Alberta.                                                                                                                                                                                                                                                                                                                                                                                       |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------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------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   |   |
| 2.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | **Loan Advance.** Subject to and upon the fulfilment of the    conditions precedent contained in paragraph 8 of this Agreement, the Lender    will advance the principal amount of the Loan to the Borrower or as the    Borrower may otherwise direct.                                                                                                                                                                                                                                                                                                    |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   |   |
| 3.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              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Proceeds.** The Borrower covenants and agrees with    the Lender that the Loan proceeds will be used by the Borrower to repay its    indebtedness to the Lender pursuant to a loan agreement dated for reference    December 5, 2002, as amended by a loan amendment agreement dated for    reference March 19, 2003 and a second loan amendment agreement dated for    reference April 30, 2003 (collectively, the "2002 Loan Agreement") and for    no other purpose whatsoever without the express written consent of the    Lender. |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   |   |
| 4.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     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Prepayment.**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | Any outstanding balance of the Loan, including principal, accrued    interest, bonus and other costs or charges payable hereunder (collectively    the "Outstanding Balance"), will be immediately due and payable by the    Borrower to the Lender on the earlier of: |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |                 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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | (i) | June 30, 2003; |
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-2-      (ii) any change of control of the Borrower ("control" being defined as    ownership of or control or direction over, directly or indirectly, 20% or    more of the outstanding voting securities of the Borrower); or      (iii)the occurrence of an Event of Default, as defined in paragraph 12    hereof.     (b) If, after the advance of the Loan and prior to payment in full of    the Outstanding Balance, the Borrower or any of its subsidiaries sells or    otherwise disposes of any of its assets or closes one or more equity or    convertible debt financings, all net proceeds from such sale, disposition or    financing, up to the full amount of the Outstanding Balance, will be    immediately paid to the Lender, to be applied on account of the Loan. All    payments made by the Borrower will be applied on account of the Loan, first    to interest and any other costs or charges then owing, then to principal. To    facilitate the orderly repayment of the Loan from the proposed financing    (the "Proposed Financing"), the Borrower will cause funds to be delivered to    the Lender at the closing of the Proposed Financing and will provide the    Lender and the other parties to such financing with such assignment,    acknowledgement or direction as the Lender may reasonably require to effect    such payment.     (c) The Borrower may repay the Loan at any time before maturity,    without notice or penalty.    5.**Interest.** Interest will accrue on the Outstanding Balance    from the date of advance of the Loan at the rate of twelve percent (12%) per    annum, compounded monthly (effective annual rate of 12.68%), and be payable    by the Borrower to the Lender monthly on the last Business Day of every    month, as well as after maturity, default and judgment.    6. **Bonus.** As additional consideration for the advance of the    Loan, the Borrower will pay a bonus to the Lender as follows:     (a) 30 days from the date of advance of the Loan, if the Loan is then    outstanding, a bonus of $45,000 payable, in the Borrower's sole discretion,    either in cash or in Common shares in the capital of the Borrower at a    deemed price of 10% less than the weighted average price at which such    Common shares traded on the Toronto Stock Exchange during the ten    consecutive trading days immediately prior to the date on which such bonus    is payable; subject to a maximum hold period under applicable securities    laws of four months from the date of issue. If such bonus is paid in shares,    the Borrower will deliver to the Lender a share certificate representing    such shares registered in the name of the Lender or as the Lender may    otherwise direct against delivery by the Lender of a duly executed    subscription form and representation letter in form attached hereto as    Schedule "C"; and     (b) 45 days from the date of advance of the Loan, if the Loan    is then outstanding, a further bonus of $45,000 payable, in the Borrower's    sole discretion, either in cash or in Common shares in the capital of the    Borrower at a deemed price of 10% less than the weighted average price at    which such Common shares traded on the Toronto Stock Exchange during the ten    consecutive trading days immediately prior to the date on which such bonus    is payable; subject to a maximum hold period under applicable securities    laws of four months from the date of issue. If such bonus is paid in shares,    the Borrower will  Vansol    Library:509781.1 (WORD)
-3-   deliver to the Lender a share certificate representing such    shares registered in the name of the Lender or as the Lender may otherwise    direct against delivery by the Lender of a duly executed subscription form    and representation letter in form attached hereto as Schedule "C";      (collectively, any Common shares issued pursuant hereto, the    "Bonus Shares").    7. **Right of First Refusal.** The Borrower will provide the    Lender with written confirmation of all material particulars of any proposed    equity or convertible debt offering by it not less than five (5) Business    Days prior to the anticipated closing of same, and the Lender will have a    right of first refusal to participate in such offering, provided that the    Lender shall have exercised such right of first refusal by communication    same in writing to the Borrower not less than two (2) Business Days prior to    closing.     8. **Conditions Precedent.** As conditions precedent to the    advance of the Loan by the Lender:     (a) the Borrower will:      (i) have received the conditional approval of The Toronto Stock    Exchange (the "Exchange") to the issuance and listing of the Bonus Shares    and shall provide the Lender with a copy of such written approval upon    receipt of same;      (ii) execute and deliver to the Lender a promissory note, in the form    attached hereto as Schedule "A" (the "Note");      (iii) execute and deliver an irrevocable direction to apply the    proceeds of the Loan on account of the amounts outstanding under the 2002    Loan Agreement and have advanced to the Lender sufficient funds to pay out    all other amounts outstanding under the 2002 Loan Agreement;      (iv) execute and deliver to the Lender a general security agreement    under which the Borrower will grant in favour of the Lender a security    interest in all of its present and after-acquired personal property, subject    and subordinate only to the security interest granted to America Online Inc.    pursuant to the Settlement Agreement;      (v)  execute and deliver to the Lender a share pledge agreement    (the "Zi Pledge Agreement") under which the Borrower will pledge and grant a    first security interest in favour of the Lender over 29,750,000 Common    shares in the capital of Magic Lantern Group, Inc., together with    certificates representing the pledged shares, medallion signature guaranteed    stock powers of attorney and certified directors' resolutions for each share    certificate, authorizing the pledge and transfer of the pledged shares, and    such other documents or instruments as the Lender may require in connection    therewith, all in form and terms satisfactory to the Lender. The Lender    agrees that within one Business Day of a written request from the Borrower,    the Lender will release any security interest it has on, and deliver to the    Borrower such Magic Lantern shares as requested by the Borrower (up to    20,000,000 cumulative) for use in connection with any proposed arms length    financing, sale or other disposition of such shares, provided that the  Vansol    Library:509781.1 (WORD)
-4-    net proceeds of any such transaction will, in accordance with    paragraph 4(b) hereof, be paid to the Lender to be applied on account of the    Loan. The Borrower will provide the Lender with all necessary assistance to    facilitate the re-registration of the Magic Lantern shares in such    denominations as the Borrower may require;      (vi) cause to be executed and delivered by Quarry Bay Investments Inc.    ("Quarry Bay") a limited recourse guarantee and share pledge agreement,    under which Quarry Bay will guarantee all obligations of the Borrower to the    Lender and pledge and grant a first security interest in favour of the    Lender over 1,500,000 Common shares in the capital of the Borrower as    security therefor, together with certificates representing the pledged    shares, medallion signature guaranteed stock powers of attorney and    certified directors' resolutions for each share certificate, authorizing the    pledge and transfer of the pledged shares, and such other documents or    instruments as the Lender may require in connection therewith, all in form    and terms satisfactory to the Lender; and      (vii) deliver to the Lender certified copies of the settlement    agreement reached with American Online, Inc. concerning the settlement of    litigation commenced under Civil Case Number C 00-098 MMC in the United    States District Court for the Northern District of California, San Francisco    Division (the "Settlement Agreement"), together with all document and    instruments delivered thereunder, including the Consent Judgment and    Security Agreement;      (b) the representations and warranties of the Borrower contained in    paragraph 9 will be true and correct in all material respects and the    Borrower will have complied with all covenants required to be complied with    by it prior to the advance of the Loan by the Lender;     (c)the Lender will have completed and, in its sole and absolute    discretion, be satisfied with its due diligence review of the Borrower,    Quarry Bay and Magic Lantern; and     (d) the Lender will have received the approval of its board of    directors, and will in its sole and absolute discretion, be satisfied as to    the creditworthiness of the Borrower and the adequacy of the collateral    security provided herein.     If any of the foregoing conditions precedent are not satisfied or    waived by the Lender in writing on or before May 8, 2003, this Agreement    will terminate, and the Lender will be under no further obligation to the    Borrower in connection with the transaction contemplated herein.    9. **Representations and Warranties.** The Borrower represents    and warrants to the Lender as follows:     (a) the Borrower is a corporation incorporated under the *Business    Corporations Act* (Alberta), has not discontinued or been dissolved under    that Act;     (b) the Borrower has the power and authority to carry on its    businesses as now being conducted, to acquire, own, hold, lease and mortgage    or grant security in its assets  Vansol    Library:509781.1 (WORD)
-5-   including real property and personal property, and to enter into    and perform its obligations under this Agreement, the Note and all other    documents or instruments delivered hereunder or thereunder;     (c) this Agreement has been, the Note and all ancillary instruments    or documents issued and delivered hereunder by the Borrower when executed,    will have been duly authorized by all necessary action of the Borrower and    each constitutes or will constitute a legal, valid and binding obligation of    the Borrower enforceable against it in accordance with their terms, subject    to applicable bankruptcy, insolvency, reorganization, moratorium and other    similar laws affecting the rights and remedies of creditors and to the    general principles of equity;     (d) the Borrower is not in breach of or in default under any    obligation in respect of borrowed money and the execution and delivery of    this Agreement, the Note and all ancillary instruments or documents issued    and delivered hereunder, and the performance of the terms hereof and thereof    will not be, or result in, a violation or breach of, or default under the    Borrower=s    constating documents, any law, any judgment, agreement or instrument to    which it is a party or may be bound;     (e) except for the approval of the Exchange which the Borrower has    sought and received, the execution and delivery by the Borrower and the    performance of its obligations hereunder does not and will not require any    recording, filing, qualification or registration with, consent,    authorization, approval of, or notice or other action to, with or by, any    governmental or regulatory body;     (f)  except as publicly disclosed in news releases or other continuous    disclosure filings made through SEDAR prior to the date of this Agreement,    no litigation or administrative proceedings before any court or governmental    authority are presently ongoing, or have been threatened in writing, or to    the best of the Borrower's knowledge are pending, against the Borrower or    any of its assets or affecting any of its assets which could have a material    adverse effect on its business or assets;      (g)  the audited annual financial statements for Borrower for the    fiscal year ended December 31, 2001 and the financial statements for the    fiscal period ended September 30, 2002 (collectively, the "Financial    Statements"), fairly present the financial affairs of Borrower as of the    date to which they are made, they have been prepared in accordance with    generally accepted accounting principles consistently applied;     (h) there has been no adverse material change (actual, contemplated    or threatened) in the property, assets or business of the Borrower or any of    its subsidiaries since the date of release of the Financial Statements,    other than as publicly disclosed in news releases or other continuous    disclosure filings made through SEDAR prior to the date of this Agreement;    and     (i) the Borrower has no direct or indirect subsidiary corporations,    except as set forth on Schedule "B".    10. **Positive Covenants of the Borrower.** The Borrower    covenants and agrees that so long as any  Vansol    Library:509781.1 (WORD)
-6-  monies will be outstanding under this Agreement, it will:     (a) 
use its best efforts to obtain the written consent of        America Online, Inc. ("AOL") 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;        provided that when used herein, "best efforts" shall not require the        Borrower to commence any legal action against AOL prior to June 30,        2003, or the payment of any amounts to AOL other than as contemplated in        Section 5.18 of such security agreement;
     (b) cause to be executed and delivered legal opinions of Borrower's    counsel and the Guarantor's counsel, in form and terms satisfactory to the    Lender and its counsel, within five Business Days of the date of this    Agreement;     (c) at all times maintain its corporate existence and the corporate    existence of all other corporations owned or controlled by it that own    assets material to the Borrower's business;     (d) duly perform its obligations under this Agreement;     (e) promptly pay when due all agency or finders' fees payable in    connection with the Loan or this Agreement and indemnify and save harmless    the Lender from all claims in respect of any such fees;     (f) carry on and conduct its business in a proper business-like    manner in accordance with good business practice and will keep or cause to    be kept proper books of account in accordance with generally accepted    accounting principles;     (g) furnish and give to the Lender within seven (7) Business Days of    delivery of a written demand from the Lender such reports, certificates,    updated financial statements, including monthly internal financial and    operational reports and documents and such other information with respect to    the Borrower as the Lender may request;     (h)provide the Lender with written notice of any proposed financing    made by or to the Borrower;     (i) forthwith provide to the Lender copies of all financial    statements, both audited and unaudited, as they become available from time    to time;     (j) furnish and give to the Lender (if such is the case) notice that    there has occurred and is continuing an Event of Default under this    Agreement or any event which would constitute an Event of Default hereunder    or thereunder and specifying the same; and     (k) perform and do all such acts and things as are necessary to    perfect and maintain the security provided to the Lender pursuant to this    Agreement.    11.**Negative Covenants of the Borrower.** The Borrower    covenants and agrees with the Lender that the Borrower will not without    first obtaining the written consent of the Lender:     (a) except for the security interest granted pursuant to the    Settlement Agreement and  Vansol    Library:509781.1 (WORD)
-7-   Permitted Encumbrances (as defined below), make, give, create or    permit or attempt to make, give or create any mortgage, charge, lien or    encumbrance that ranks equal to or in priority to the security interest of    the Lender over the assets of the Borrower. For the purposes of this    subparagraph, "Permitted Encumbrances" shall mean:      (i) undetermined or inchoate liens arising in the ordinary course of    business;      (ii) any lien or trust arising in connection with workers'    compensation, employment insurance, pension or employment law;      (iii) 
public and statutory liens not yet due and            similar liens arising by operation of law; and
      (iv) 
the interest of any person under any operating            lease or purchase money security interest;
     (b) declare or provide for any dividends or other payments based on    share capital;     (c) 
redeem or purchase any of its shares;
     (d) except as provided in the Pledge Agreement, make any sale of or    dispose of any substantial or material part of its business, assets or    undertaking, including its interest in the shares or assets of any    subsidiary outside of the ordinary course of business;     (e) save and except for purchase money security interests, chattel    mortgages and equipment leases entered into in the ordinary course of    business, borrow or cause any subsidiary to borrow money from any person    other than the Lender without first obtaining and delivering to the Lender a    duly signed assignment and postponement of claim by such person in favour of    the Lender, in form and terms satisfactory to the Lender;     (f) 
pay out any shareholders loans or other indebtedness        to non-arm=s        length parties; or     (g) guarantee the obligations of any other person, directly or    indirectly.    12. **Events of Default.** Each and every of the events set forth    in this paragraph will be an event of default ("Event of Default"):     (a) if the Borrower fails to make any payment of principal, interest    or bonus when due hereunder, and such failure continues for two (2) Business    Days;     (b) if the Borrower defaults in observing or performing any material    term, covenant or condition of this Agreement or any other collateral    document delivered hereunder or in connection with the Loan, other than the    payment of monies as provided for in subparagraph (a) hereof, on its part to    be observed or performed and such failure continues for ten (10) Business    Days;     (c) if the Borrower defaults in its payment obligations due under    Settlement Agreement and the $9,000,000 Payment Amount (as defined therein)    becomes due and payable in full; Vansol    Library:509781.1 (WORD)
-8-     (d) if the Borrower is in default of prescribed filings with    applicable securities regulatory authorities, the Exchange or any other    stock exchange or market on which their shares trade (collectively, the    "Authorities"), or is subject to any suspension or cease trade order issued    by any such Authority and such default, suspension or cease trade order    continues for ten (10) Business Days;     (e) 
if any of the Borrower's covenants or representations        in this Agreement or any other collateral document delivered hereunder        or in connection with the Loan were at the time given false or        misleading in any material respect;
     (f) 
if Borrower defaults, in any material respect, in        observing or performing any term, covenant or condition of any debt        instrument or obligation by which it is bound in excess of $100,000,        makes an assignment for the benefit of its creditors, or admits in        writing its inability to pay its debts as they become due, or is        adjudicated bankrupt or insolvent;
     (g) 
if Borrower permits any sum in excess of $100,000        which has been admitted as due by the Borrower, or is not disputed to be        due by it, and which forms or is capable of being made a charge upon any        of the assets or undertaking of the Borrower to remain unpaid or not        challenged for 30 days after proceedings have been taken to enforce the        same;
     (h) 
if Borrower, either directly or indirectly through        any material subsidiary, ceases or threatens to cease to carry on        business;
     (i) 
if Borrower petitions or applies to any tribunal for        the appointment of a trustee, receiver or liquidator or commences any        proceedings under any bankruptcy, insolvency, readjustment of debt or        liquidation law of any jurisdiction, whether now or hereafter in effect;        and
     (j) 
if any petition or application for appointment of a        trustee, receiver or liquidator is filed, or any proceedings under any        bankruptcy, insolvency, readjustment of debt or liquidation law are        commenced, against Borrower which is not opposed by the Borrower in good        faith, or an order, judgment or decree is entered appointing any such        trustee, receiver, or liquidator, or approving the petition in any such        proceeding.
     (k) 
if any receiver, receiver-manager, trustee,        custodian, liquidator or similar agent is appointed for the Borrower or        for any of the Borrower=s        property;     (l) if the Borrower is a corporation and any proceedings concerning    the Borrower are commenced under the *Companies Creditors Arrangement Act*    (Canada);     (m) 
if any execution, sequestration, extent or any other        process of any Court becomes enforceable against the Borrower or if a        distress or analogous process is levied upon the assets of the Borrower        or any part thereof;
     (n) 
if, in the reasonable opinion of the Lender, a        material adverse change occurs in the financial condition of the        Borrower; and
     (o) if the Lender in good faith and on commercially reasonable    grounds believes that the  Vansol    Library:509781.1 (WORD)
-9-   ability of the Borrower to pay any of the Outstanding Balance to    the Lender or to perform any of the covenants contained in this Agreement or    any other collateral agreement or other document is impaired or any security    granted by the Borrower to the Lender is or is about to be impaired or in    jeopardy.    13. **Effect of Event of Default.** If any one or more of the    Events of Default occurs or occur and is or are continuing, the Lender may    without limitation in respect of any other rights it may have in law or    hereunder, or under the Note or the Pledge Agreement, demand immediate    payment of all monies owing hereunder.    14. **Lender's Legal Fees.** The Borrower will pay for the    Lender's reasonable legal fees and other costs, charges and expenses    (including due diligence expenses) of and incidental to the preparation,    execution and completion of this Agreement and the security hereunder, as    may be required by the Lender to complete this transaction. If the Borrower    fails to pay all of the Lender=s    legal fees and other costs, charges and expenses due hereunder, within    30 days of presentment of an invoice, such amount will be added to and form    part of the principal amount of the Loan and will accrue interest from such    date as if it had been advanced by the Lender to the Borrower hereunder.    15. **Indemnity.** The Borrower agrees to indemnify and save    harmless the Lender and each of its directors, officers, employees and    agents from and against all liabilities, claims, losses, damages and    reasonable costs and expenses in any way caused by or arising directly or    indirectly from or in consequence of the occurrence of any Event of Default    under this Agreement.    16. **Notices.** In this Agreement:     (a) 
any notice or communication required or permitted to        be given under this Agreement will be in writing and will be considered        to have been given if delivered by hand, transmitted by facsimile        transmission or mailed by prepaid registered post to the address or        facsimile transmission number of each party set out below:
      (i)if to the Lender:
Quest Investment Corporation            Suite 300, 570 Granville Street            Vancouver, B.C. V6C 3P1            Attention: A. Murray Sinclair            Fax No: (604) 681-4692      (ii) 
if to the Borrower:

Zi Corporation            Suite 2100, 840 - 7th Avenue SW            Calgary, Alberta T2P 3G2            Attention: General Counsel            Fax No.: (403) 233-8878 
Vansol    Library:509781.1 (WORD)
-10-       or to such other address or facsimile transmission number as any    party may designate in the manner set out above; and     (b) 
notice or communication will be considered to have        been received:
      (i) if delivered by hand during business hours on a Business Day,    upon receipt by a responsible representative of the receiver, and if not    delivered during business hours, upon the commencement of business on the    next Business Day;      (ii) if sent by facsimile transmission during business hours on a    Business Day, upon the sender receiving confirmation of the transmission,    and if not transmitted during business hours, upon the commencement of    business on the next Business Day; and      (iii) if mailed by prepaid registered post upon the fifth Business Day    following posting; except that, in the case of a disruption or an impending    or threatened disruption in postal services every notice or communication    will be delivered by hand or sent by facsimile transmission.    17. **Assignment.** The Borrower acknowledges and agrees that the    Lender may assign all or part of the Loan, this Agreement and all collateral    agreements, documents or instruments delivered hereunder to one or more    assignees that are not non-residents of Canada (under the *Income Tax Act* (Canada)), subject only to the Lender=s    notification of such assignment or assignments being given in writing to the    Borrower.    18. 
**Agreement to Pay.** Upon receipt of written notice    and direction from the Lender, the Borrower covenants and agrees, net of all    applicable withholding taxes, to make all payments of interest, principal    and bonus due under this Agreement to the Lender and any assignee,    *pro rata* in accordance with their respective proportionate interests    in the Loan as set out in such written notice and direction, absent which    all such payments may be made to the Lender.
    19. **Non-Disclosure.** All confidential information, including    the terms of this Agreement, other than confidential information that is    required by law to be disclosed by the party receiving the confidential    information to any administrative body, will be held by the parties in the    strictest confidence and will not be disclosed to any person, except as    provided below, provided that the confidential nature of the information is    made known to the disclosing party.     The restrictions set out above do not apply to confidential    information:     (a) of a party where that party consents in writing to its    disclosure;     (b) which becomes part of the public domain, other than by a breach    of this paragraph;     (c) received from a third party without restriction on further    disclosure and without breach of paragraph;     (d) to the extent required or prudent to be disclosed pursuant to    applicable securities laws or by order or direction of a court or    administrative body of competent jurisdiction; or Vansol    Library:509781.1 (WORD)
-11-     (e) to the extent necessary for the Lender to enforce this Agreement    or the security or obligations delivered or contemplated herein.     Confidential information received by the Lender may be disclosed    to its affiliates and proposed assignees and participants and to the    employees, auditors, accountants, legal counsel and other consultants and    financial advisors of the Lender, its affiliates and proposed assignees or    participants on a need to know basis only. The obligations of the parties    under this paragraph will survive the termination of this Agreement.    20. **Enurement.** This Agreement will enure to the benefit of    and be binding upon the parties hereto and their respective successors and    permitted assigns.    21.**Waivers.** No failure or delay on the Lender's part in    exercising any power or right hereunder will operate as a waiver thereof.    22. **Remedies are Cumulative.** The Lender's rights and remedies    hereunder are cumulative and not exclusive of any rights or remedies at law    or in equity.    23. 
**Time.** Time is of the essence of this Agreement    and all documents or instruments delivered hereunder.
    24. **Criminal Code Compliance.** In this paragraph the terms    "interest", "criminal rate" and "credit advanced" have the meanings ascribed    to them in Section 347 of the *Criminal Code* (Canada) as amended from    time to time. The Borrower and the Lender agree that, notwithstanding any    agreement to the contrary, no interest on the Loan or the credit advanced by    the Lender under this Agreement will be payable in excess of that permitted    under the laws of Canada. If the effective rate of interest, calculated in    accordance with generally accepted actuarial practices and principles, would    exceed the criminal rate on the credit advanced, then:     (a) 
the elements of return which fall within the term        "interest" will be reduced to the extent necessary to eliminate such        excess;
     (b) 
any remaining excess that has been paid will be        credited towards prepayment of the Loan; and
     (c) any overpayment that may remain after such crediting will be    returned forthwith to the Borrower upon demand,     and, in the event of dispute, a Fellow of the Canadian Institute    of Actuaries appointed by the Lender will perform the relevant calculations    and determine the reductions, modifications and credits necessary to effect    the foregoing and the same will be conclusive and binding on the parties.    This Agreement, the Note and all related agreements and documents will    automatically be modified to reflect such modifications without the    necessity of any further act or deed of the Borrower and the Lender to give    effect to them.    25. **Invalidity.** If at any time any one or more of the    provisions hereof is or becomes invalid, illegal or unenforceable in any    respect under any law, the validity, legality and enforceability of the    remaining provisions hereof will not in any way be affected or impaired    thereby to the fullest  Vansol    Library:509781.1 (WORD)
-12-  extent possible by law.    26. **Governing Laws.** This Agreement will be governed by and    interpreted in accordance with the laws of the Province of British Columbia    and the laws of Canada applicable therein. The Borrower and the Lender    submit to the non-exclusive jurisdiction of the Courts of the Province of    British Columbia and agree to be bound by any suit, action or proceeding    commenced in such Courts and by any order or judgment resulting from such    suit, action or proceeding, but the foregoing will in no way limit the right    of the Lender to commence suits, actions or proceedings based on this    Agreement in any jurisdiction it may deem appropriate.    27. **Judgment Currency**. If to obtain a judgment in any court    it is necessary to convert a sum due hereunder in US Dollars into Canadian    Dollars, the rate of exchange to be applied will be the Bank of Canada noon    rate for the purchase of US Dollars with Canadian Dollars on the Business    Day proceeding that on which final judgment is given. The obligation of the    Borrower in respect of any sum due from it under this Agreement in US    Dollars will, notwithstanding any judgment in Canadian Dollars, be    discharged only to the extent that on the Business Day following receipt by    the Lender of any sum adjudged to be due hereunder in Canadian Dollars the    Lender may purchase US Dollars with Canadian Dollars at the Bank of Canada    noon rate, and if the amount of US Dollars so purchased falls short of the    sum originally due to the Lender in US Dollars, the Borrower agrees, as a    separate obligation and notwithstanding any judgment, to indemnify the    Lender against such shortfall.    28. **Amendment.** This Agreement may be varied or amended only    by or pursuant to an agreement in writing signed by the parties hereto.    29. 
**Schedules.** All Schedules attached hereto will be    deemed fully a part of this Agreement.
    30. 
**Currency.** All references herein to "dollars" or    "$" are to United States dollars, unless otherwise indicated. 
    31. **Counterparts.** This Agreement may be signed in one or more    counterparts, originally or by facsimile, each such counterpart taken    together will 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 CORPORATIONPer:     **"*Murray Sinclair*"**          Authorized Signatory

**ZI CORPORATION** 
Vansol Library:509781.1 (WORD)
    -13-
Per:     "***Michael E. Lobsinger***"           Authorized Signatory
Vansol Library:509781.1 (WORD)
    -14-
SCHEDULE "A"**PROMISSORY NOTE**
Principal Amount: **US$1,940,000**
        As collateral security for the obligations of ZI CORPORATION(the "Borrower") to QUEST INVESTMENT CORPORATION (the "Lender") and for valuereceived, the Borrower hereby promises to pay to the Lender the principal sum ofONE MILLION NINE HUNDRED FORTY THOUSAND UNITED STATES DOLLARS (US$1,940,000)(the "Loan") on the earlier of:
 (a)
June 30, 2003; 
 (b)
any change of control of the Borrower ("control" being defined as        ownership of or control of direction over, directly or indirectly, 20%        or more of the outstanding voting securities of the Borrower; and
 (c)
the occurrence of an Event of Default (as defined in the loan        agreement between the Borrower and the Lender dated for reference May 7,        2003), 

together with interest accruing on the outstanding principalamount from the date hereof at a rate of TWELVE PERCENT (12%) per annum,compounded monthly (effective rate of 12.68% per annum), before and after eachof maturity, default and judgment, payable monthly on the last Business Day ofevery month. All payments under this promissory note will be made by certifiedcheque, cash or bank draft and delivered to the Lender at Suite 300, 570Granville Street, Vancouver, British Columbia V6C 3P1. All payments made by theBorrower will be applied first to interest, bonus and any other costs or chargesowed to the Lender, then to principal.

        The undersigned is entitled to prepay this promissory note,in whole or in part, without notice or penalty. This promissory note will begoverned by and construed in accordance with the laws of British Columbia andthe federal laws of Canada applicable therein. In this promissory note, ABusiness Day@means a day which is not a Saturday, Sunday or a statutory holiday in BritishColumbia. The undersigned hereby waives notice of dishonour and presentment.
        Dated: May 7, 2003.

 
**ZI CORPORATIONPer:        Authorized Signatory
Vansol Library:509781.1 (WORD)
    -15-
SCHEDULE "B"**SUBSIDIARIES**
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