JONES, GABLE & COMPANY LIMITED
MARGIN ACCOUNT AGREEMENT

TO: JONES, GABLE & COMPANY LIMITED

In consideration of Jones, Gable & Company Limited opening a margin account
in my name I agree that my margin account shall be governed by the following
terms:

|1.  | Each transaction shall be subject to all rules and
  customs of the exchange and clearing house upon and through which the
  transaction is executed. If a transaction is not executed upon or through any
  exchange or clearing house, the transaction shall be subject to all rules and
  customs of any association of brokers or dealers which is applicable to the
  transaction;                             
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|2.  | I shall pay all indebtedness owning by me to Jones,
  Gable and/or secure all or any part of such indebtedness by delivering on
  demand to Jones, Gable & Company Limited such security as is prescribed by The
  Investment Dealers Association of Canada or as is communicated to me by Jones
  Gable & Company Limited;                                                                                         
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|3.  | I shall pay all commissions charged to my account
  for all securities or commodities bought or sold for my account by Jones,
  Gable & Company Limited;                                                                                                                                                                                                                                                            
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|4.  | I authorize Jones, Gable & Company Limited to charge
  interest upon any outstanding debit balance in my account at its customary
  rate and I shall pay such interest and Jones, Gable & Company Limited shall
  not be obliged to notify me of any change in its rate of interest;                                                                                                                                
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|5.  | While I am indebted to Jones, Gable & Company
  Limited, all my property in its possession may be held by it as continuing
  security for all my indebtedness and, without notice to me, may be pledged by
  Jones, Gable & Company Limited to third parties as security for Jones, Gable's
  indebtedness;                                                                                                         
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|6.  | Jones, Gable & Company Limited shall not be under
  any obligation to segregate the amount of any credit balance in my account and
  may commingle any such amounts with its general funds and use my funds for the
  general purposes of its business;                                                                                                                                                             
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|7.  | Without demand for additional margin or notice to
  me, Jones Gable may in its sole discretion sell or purchase any securities or
  commodities held or carried by it for my account or necessary to cover any
  short sale or deficiency in my account. These sales and purchases shall be
  made in such manner and upon such terms as Jones, Gable & Company Limited may
  in its sole discretion deem advisable;
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|8.  | While I am indebted to Jones, Gable & Company
  Limited, any securities or commodities held for my account may be used by
  Jones, Gable & Company Limited for the purpose of making delivery to a third
  party;                                                                                                                                                                                                   
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|9.  | Jones, Gable & Company Limited shall not be under an
  obligation to deliver to me the same securities as those deposited with or
  received for my account and may deliver securities of an equivalent amount and
  of the same nature and kind;                                                                                                                                                                   
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|10. | Any statement, confirmation or other communication
  and every transaction referred to therein shall be deemed and treated as
  authorized and correct, if I do not object to it in writing to Jones, Gable &
  Company Limited within ten (10) days from the time it was forwarded to me;                                                                                                                          
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|11. | I shall indemnify Jones, Gable & Company Limited for
  all losses sustained by it in acting as my agent in connection with my
  account; and                                                                                                                                                                                                                                                                        
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|12. | I agree that Jones, Gable & Company Limited may seek
  and obtain credit and personal information about me from a credit reporting
  agency.                                                                                                                                                                                                                                                                        

I have read and understood this agreement and acknowledge receipt of a copy.
I agree that this agreement binds me, my estate, heirs, assigns and
representatives.

Dated this 8th day of December 2003

|/s/ Belinda Rees |  | /s/ Michael Lobsinger      
|---------------- |  | ---------------------------
|WITNESS          |  | SIGNATURE OF ACCOUNT HOLDER

ACCOUNT HOLDER INFORMATION: (TO BE COMPLETED BY ACCOUNT HOLDER)

|FULL NAME       | Zi Corporation                                     | ACCOUNT NO. | 
|--------------- | -------------------------------------------------- | ----------- | 
|ADDRESS (RES.)  | Attn: Michael
  Lobsinger                         
|EMPLOYER        |                                                   
|ADDRESS         | 840 -7th Ave. SW-Suite
  2100, Calgary, AB T2P 3G2
|SOCIAL INS. NO. |                                                    | TEL.(RES):  | 
|BANK AND BRANCH |                                                   
|                |