LOAN AMENDMENT AGREEMENT

THIS AGREEMENT dated for reference March 19, 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

| A.    The Lender and the Borrower    entered into a loan agreement dated for reference December 5, 2002 (the    "Loan Agreement"), under which the Lender has advanced the principal sum of    US$3,300,000 (the "Loan").  |
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| B.    The Lender and the Borrower wish    to amend the terms of the Loan and the Loan Agreement pursuant to the terms    of this Agreement.                                                                                                         |

AGREEMENTS

For good and valuable consideration, the receipt and sufficiency of whicheach party acknowledges, the parties agree as follows:

| 1.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | **Outstanding    Balance**. The Borrower acknowledges and agrees that as of the date of    this Agreement, the following amounts remain outstanding under the Loan    Agreement:                    |
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|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | (a)                                                                                                                                                                                                      | the principal amount    of US$3,270,000; and  |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | (b)                                                                                                                                                                                                      | Cdn$7,974.19 in fees    and expenses payable by the Borrower pursuant to paragraph 14 of the Loan    Agreement.  |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | The Lender confirms    that it has received from the Borrower the payment of all interest up to and    including March 5, 2003.                                                                     |
| 2.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | **Loan Extension.**    Subject to paragraph 7 below, the Loan Agreement is hereby amended and    modified by deleting subparagraph 4(a)(i) in its entirety and replacing it    with the following:  |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |                                                                                                                                                                                                     | "(i) April 30,    2003;".  |
| 3.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | **Interest Payments**.    Interest shall continue to accrue and be payable in accordance with    paragraph 5 of the Loan Agreement                                                                  |
| 4.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | **Principal    Payments**. On April 5, 2003, the Borrower shall pay to the Lender    US$30,000 on account of the outstanding principal amount of the Loan,    provided however, that if the Borrower     |
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-2-  is in default of    paying any outstanding interest or other fees or expenses payable to the    Lender under the Loan Agreement or hereunder, such amounts shall be first    applied on account of such interest or other fees or expenses, then to    principal. 5.**Extension Fee**.    In consideration for the extension of the Loan hereunder, the Borrower will    pay to the Lender a non-refundable extension fee of US$130,800, payable upon    the execution and delivery of this Agreement. 6.**AOL Subordination**.    The Borrower will use reasonable commercial 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. 7.**Conditions    Precedent**. As conditions precedent to the extension of the Loan    hereunder:  (a) the Borrower will":  (i)have paid all outstanding    interest and fees and expenses referred to in subparagraph 1(b) and    paragraph 5 above;   (ii)provide the Lender with a    certified copy of the resolutions of the Borrower's board of directors,    approving of the transactions contemplated herein, in form and terms    satisfactory to the Lender;   (iii)cause Quarry Bay Investments    Inc. ("Quarry Bay") to execute and deliver a replacement limited recourse    guarantee, confirming its agreement to guarantee (on a limited recourse    basis) all indebtedness of the Borrower to the Lender pursuant to the Loan    Agreement, as amended by this Agreement, and an amendment to the share    pledge agreement dated for reference December 5, 2002 between Quarry Bay and    the Lender, under which Quarry Bay will deposit an additional 1,500,000    free-trading Common shares in the capital of the Borrower, together with    original share certificates, undated medallion signature guaranteed stock    powers of attorney and certified directors' resolutions, all in form and    terms satisfactory to the Lender; and  (b)the Lender will have    received the approval of its board of directors and provided confirmation of    same to the Borrower in writing.        If the above conditions have not been satisfied or waived in writing by theLender on or before 5:00pm March 21, 2003, this Agreement shall terminate andthe Loan shall be in default. In that case, the Lender may take all such stepsor actions as it, in its sole discretion, deems necessary or appropriate, torealize on its security and recover all amounts due under the Loan. 8.**Representations and    Warranties**. The Borrower affirms and restates each of the    representations and warranties set out in paragraph 9 of the Loan Agreement    as of the date of this Agreement. 9.**Definitions**. Unless otherwise    defined in this Agreement, all defined terms herein shall have the meanings    ascribed in the Loan Agreement.  
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-3- 10.**Amendment**. This Agreement    amends and modifies the Loan Agreement and, together with it and the    collateral documents referred to therein, constitutes the entire agreement    between the parties. This Agreement may only be modified by further written    instrument, signed by each of the parties hereto. 11.**Legal Fees**. The Borrower    covenants and agrees to pay all of the Lender's legal fees and other costs,    charges and expenses of and incidental to the preparation, execution and    carrying out of this Agreement or as may otherwise be required by the Lender    to complete the transactions contemplated herein. 12.**Further Assurances**. The    parties hereto shall provide such further assurances, documents and    instruments as the Lender may reasonably require to complete the    transactions contemplated in the Loan Agreement and herein. 13.**Time of the Essence**. Time    shall remain of the essence of this Agreement. 14.**Counterparts**. This    Agreement may be signed in one or more counterparts, originally or by    facsimile, each such counterpart taken together shall form one and the same    agreement.
TO EVIDENCE THEIR AGREEMENT each of the parties has executed this Agreementon the date first above written.
**QUEST INVESTMENT CORPORATION**Per:***"Murray Sinclair"*** Authorized Signatory**ZI CORPORATION**Per:***"Dale Kearns"*** Authorized Signatory 
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