Document:

Ex-10.31 Amendment HTML

October 19, 2000

AMENDMENT TO
JANUARY 24, 2000 AMENDED AND RESTATED

AGREEMENT LETTER

This amendment is made
between Skyhub Far East Inc. (Skyhub FE, a BVI company), Skyhub Asia Holdings
Limited (Skyhub Asia, a Hong Kong company) and eVision USA.Com, Inc (eVision, a
Colorado company) to their AMENDED AND RESTATED AGREEMENT LETTER, dated January
24, 2000. All parties agree to the following: 

	1.	
Skyhub FE and eVision agree to permit Skyhub Asia to be a party to the January
24, 2000 Amended and Restated Agreement Letter, and to assume Skyhub FE’s
obligations under the Loan Commitment Agreement dated February 18, 2000, and any
promissory notes drafted pursuant to that Agreement, between Skyhub FE and
eBanker USA.com, Inc.

	2.	
Skyhub FE confirms that all assets and agreements have been transferred from
Skyhub FE to Skyhub Asia including the 1,185,209 eVision shares previously
issued.

	3.	
eVision will guarantee that an orderly and reasonable sale of the 1,185,209
eVision shares in the open market will generate funds of no less than
US$3,000,000 plus the accrued interest from the loans made by eBanker USA.com,
Inc. pursuant to the Loan Commitment dated February 18, 2000. Any shortfall will
be made up, at eVision’s discretion, through cash or the issuance of
additional eVision shares with piggyback registration rights. The board of
directors of Skyhub Asia will agree upon the execution of the orderly and
reasonable sale of these shares.

	4.	
All other terms of the January 24, 2000 agreement remain unaffected by this
amendment.

For and on behalf of:                            For and on behalf of:
eVision USA.Com, Inc.                            Skyhub Far East Inc.
/s/ Fai H. Chan                                  /s/ Edward Chan
___________________________                      _______________________________
Authorized Signature                             Authorized Signature
Name : Fai H. Chan                               Name : Edward Chan
Date   : 10/19/00                                Date   : 10/19/00

For and on behalf of:
Skyhub Asia Holdings Limited
/s/ Fai H. Chan
____________________________
Authorized Signature
Name : Fai H. Chan
Date   : 10/19/00Ex-10.32 Amendment HTML

Loan
Extension Agreement

      This
Loan Extension  Agreement  (Agreement) is entered into this 15th day of February
2001, by and between eBanker USA.com,  Inc., a Colorado  Corporation  (eBanker),
SkyHub ASIA HOLDINGS LTD, a Hong Kong Corporation (SkyHub), and eVision USA.Com,
Inc., a Colorado Corporation (eVision).

Recitals

Whereas  SkyHub Far East,
Inc.  ("SkyHub  Far East") and  eVision  entered  into an Amended  and  Restated
Agreement Letter, dated January 24, 2000 (January 24, 2000 Agreement); and

Whereas, pursuant to the
January 24, 2000 Agreement, eVision arranged a loan by eBanker to SkyHub Far
East in the amount of $1,000,000 (one million dollars), payable in full on
February 17, 2001; 

Whereas SkyHub Far East,
Inc., eVision, and Skyhub Asia Holdings Ltd. (and as amended by the October 19,
2000 agreement) later amended the January 24, 2000 Agreement, on October 19,
2000 (October 19, 2000 Agreement), which assigned SkyHub Far East’s
interest to SkyHub Asia Holdings Ltd.; 

For valuable consideration,
which is hereby acknowledged, the parties agree and covenant as follows: 

	 	
1.
eBanker agrees to extend the repayment date of the promissory note owed by
SkyHub under the February 17, 2000 loan plus accrued interest for an additional
1 year. All other terms of the February 17, 2000 promissory note remain the same
including continued rate of interest of 12%.

	 	
2.
As consideration for the extension, eVision agrees to transfer 5% (five percent)
of the total outstanding shares of SkyHub from its existing ownership of SkyHub
to eBanker.

	 	
3.
As consideration for the transfer of ownership eVision  acknowledges its benefit
from the extension of the loan due to its obligation  under the January 24, 2000
Agreement (and as amended by the October 19, 2000 Agreement)  between SkyHub Far
East, Inc. (later assigned to Skyhub Asia Holdings Ltd.) and eVision.

	 	
4.
All other terms of the January 24, 2000 Agreement and October 19, 2000 Agreement
remain unaffected by this extension.

EVISION
USA.COM, INC.          
            
             
            
             
            
   SKYHUB ASIA HOLDINGS LTD.

By:  /s/Tony T. W. Chan
               
            
             
            
             
            
   By:  /s/ Edward Chan

EBANKER USA.COM,
INC.

By:  /s/ Robert H. TrappEx-10.33 Loan Restructuring Agreement HTML

Exhibit 10.33

LOAN
RESTRUCTURING AND RESTATEMENT AGREEMENT

THIS LOAN RESTRUCTURING AND
RESTATEMENT AGREEMENT (“Agreement”) dated this 19th day of
November 2000, is made by and between eBANKER USA.COM, INC., a Colorado
corporation (“eBanker” or “Lender”) having an address of
1700 Lincoln Street, 31st Floor, Denver, Colorado 80203 and GLOBAL MED
TECHNOLOGIES, INC., a Colorado corporation (“Global” or
“Borrower”) having an address of 12600 West Colfax Avenue, Suite C420,
Lakewood, Colorado 80215: 

NOW, THEREFORE, in
consideration of the promises, covenants and the mutual agreements contained in
this Agreement and other good and valuable consideration, the receipt,
sufficiency and adequacy of which are hereby acknowledged, Lender and Borrower
hereby covenant and agree as follows: 

Current Loan
Documents

Reference is hereby made to
the following existing Loan Balances ("Existing Balances"):

1. $1,650,000: In October
1998, and later amended, eBanker accepted assignment of this Global Med
promissory note from Fronteer Capital ($1.65M Note)

 2. $1,000,000: In October
1998, and later amended, eBanker purchased notes receivable from Global Med to
Online Credit Limited ($1M Note). 

3. $750,000: In March 1999,
and later  amended,  eBanker  entered in a bridge loan agreement with Global Med
($750k Bridge Loan).

4.  $2,000,000:  In October
1999,  and later  amended,  eBanker  entered into a bridge loan  agreement  with
Global Med ($2M Bridge Loan).

ARTICLE 1

DEBT CONVERSION

1.1 Reduction of Certain
Debt; Conversion of Warrants.

eBanker agrees to exercise
existing warrants to purchase eight million (8,000,000) shares of common stock
of Global Med for two million dollars ($2,000,000) at $0.25 per share. Global
Med agrees to accept two million dollars ($2,000,000) in exchange for the $1M
Note and one million dollars ($1,000,000) of the $1.65M Note which, under the
terms of the Notes, are due January 9, 2001. 

ARTICLE 2

MERGER OF LOANS AND PROMISSORY NOTE

2.1  Agreement  to
Merge.

Subject to all of the
terms, provisions, conditions, covenants and agreements contained in this
Agreement, eBanker will extend and merge the balances and existing interest on
the Existing Balances (minus $2.0 M forgiven in Article I above)(“New
Loan”). The amount of the new principal is $3,828,700.00 (“New
Principal”). Interest accrues at 12% (twelve percent) per annum payable
semi-annually. The principal and interest shall be due and payable in full on
July 1, 2001. There are no prepayment penalties. All payments to the loan will
apply to accrued interest prior to reducing principal. 

2.2. Loan Fee.

In order to induce Lender
to enter into this Agreement, upon execution of this Agreement Global Med
will pay eBanker a commitment fee of 5% (five percent) of the New Principal,
which eBanker agrees to take in the form of 197,600 shares of Global Med
restricted common stock at the prevailing market price as of the date of this
Agreement. 

2.3  Convertibility.

Until the automatic
extension date of July 1, 2001 (as described in Section 2.4), the New Loan will
be convertible, in full or in part, into common stock of Global Med at $1.00 per
share. 

2.4  Automatic Extension.

On July 1, 2001, if the
principal and interest outstanding of the New Loan is not repaid in full, the
remaining New Principal will automatically be extended until July 1, 2003, the
$1.00 per share conversion feature of the New Loan will be terminated, and
eBanker will be awarded up to 10,186,430 warrants to purchase shares of the
Company at $0.50, expiring July 1, 2011. The number of warrants is the amount of
warrants that eBanker would have been entitled to, under eBanker and Global
Med’s loan agreements that included a automatic extension clause, on the
respective maturity dates of the loan agreements. If Global Med pays down the
New Principal, in part or in full, Global Med can reduce the warrants owed to
eBanker on July 1, 2001 at the same rate that it has paid down the New
Principal. In other words, the warrants can be reduced, on July 1, 2001,
pursuant to this formula: 

        
Remaining unpaid New
Principal of New Loan        
    x        
    10,186,430 warrants

                
            
    $3,828,700

2.5  Default
Conversion Rate.

Upon a default of this
Agreement or a Security Agreement, among other remedies eBanker may have,
eBanker may elect to convert the outstanding principal and interest into shares
of the Global common stock at $1.00 per share. As consideration for this
increase from the default conversation rates from the Existing Loans, eBanker
will be issued 500,000 restricted shares of Global Med common stock. 

2.6  Security/

Global Med will secure the
New Loan with its assets including its shares in PeopleMed.Com, Inc., and the
assets of PeopleMed.Com, Inc. and Global Med, including intellectual property.
The Parties agree to execute a Security Agreement and agree to incorporate that
Security Agreement herein. 

2.7  Registration.

Global Med will register
and maintain the registration for all present and future shares, including
shares underlying derivatives, belonging to eBanker. As soon as practicably
possible, Global Med will hold a special shareholders meeting to authorize an
increase in authorized common share capital to, at least, allow for the terms of
this restructuring. 

2.8  Global Med Optional
Put.

In addition, upon Global
Med and the American Red Cross’s agreement to provide Global Med products
and services advancing out of a pilot program into the initiation of a
nationwide roll out of SafeTrace Tx, Global Med, at its discretion, will be able
to put up to $1.5 million worth of common shares to eBanker at $0.50 per share
in exchange for existing debt, on, or prior to, July 1, 2003, limited to the
total debt remaining at that time. 

2

2.9  Use of Proceeds.

The Borrower represents,
warrants, covenants, acknowledges and agrees to and with Lender that the
proceeds of the Loan shall be used by Borrower solely for business or investment
purposes and shall not be used for personal, family, household or agricultural
purposes. 

2.10  Relationship of
the Parties.

The relationship between
Borrower and Lender is that of a borrower and a lender only and neither of the
parties is, nor shall hold themselves out to be, the agent, employee, joint
venturer or partner of the other party. 

2.11 Ruxin Guaranty.

The Personal Guaranty of
Dr. Michael I. Ruxin, as dated August 12, 1998, and assigned to eBanker, is
reduced from $1.5 million to $650,000 plus pro rata interest. This Personal
Guaranty and its terms are hereby incorporated by reference. eBanker and Michael
I. Ruxin, M.D. agree that they will meet in the next thirty days to discuss and
reconsider the Ruxin Personal Guaranty. 

ARTICLE 3

MANAGEMENT OF BORROWER

3.1  Borrower's Board of
Directors.

In accordance with the
terms of the prior Loan Documents, Borrower and its Board of Directors have
taken the following actions: 

      a.
Increased  the  number  of  members  to the  Borrower's  Board of  Directors  to
nine.

      b.
Appointed five members  selected by Lender and/or a company  affiliated with the
Lender, to the Borrower's Board of Directors.

For so long as any amounts
remain due hereunder or under any other Loan Documents, including the Notes,
Borrower and its Board of Directors shall support in any election of directors
by the shareholders of Borrower, those members appointed to the Board of
Directors that were selected by Lender and/or its affiliates. Further, Lender
and/or its affiliates shall have the right to select a replacement director for
any member of the Borrower’s Board of Directors that was selected by either
Lender or its affiliates who resigns or otherwise fails to serve as a director. 

3.2  Resignation Letters of
the Members of the Board of Directors.

The resignation letters of
the Members of the Board of Directors received under prior agreements, whose
letters of resignation have been and shall continue to be held in escrow by
Lender, shall be preserved subject to all of the terms and conditions of this
Agreement. 

ARTICLE 4

BORROWER'S REPRESENTATIONS AND WARRANTIES

4.1  Representations and Warranties.

Borrower hereby represents
and warrants to Lender as follows:

3

      a.
Borrower is duty incorporated and is validly existing and in good standing under
the laws of the State of  Colorado  and  Borrower  has all  requisite  power and
authority to conduct its business, to own its properties and to execute, deliver
and perform all of its obligations under this Agreement;

      b.
the  execution,  delivery and  performance of the Agreement by the Borrower have
been  authorized  by all necessary  corporate  actions and does not and will not
contravene any legal or contractual  restriction binding, on the Borrower or any
of the property and assets thereof;

      c.
the  Agreement  constitutes,  and  any  other  agreement  required  hereby  will
constitute,  when executed and delivered by Borrower to Lender, legal, valid and
binding obligations of Borrower,  enforceable in accordance with their terms and
the execution and delivery by Borrower of the Agreement and  consummation of all
the transactions  contemplated thereby, do not and will not conflict with, or be
in contravention of, any law, order,  rule or regulation  applicable to Borrower
or any agreement or instrument to which Borrower is a party;

      d.
there is no legal action,  suit,  proceeding or  investigation  by or before any
governmental  instrumentality or other agency now pending, threatened against or
affecting  the  Borrower,  which would bring into  question  the validity of the
Agreement; and

      e.
other  than  any  pro  forma  financial  reports,  all  balance  sheets,  income
statements,  financial statements, operating statements and other financial data
pertaining to Borrower that are publicly on file or have been delivered (or will
be delivered ) to Lender by or on behalf of Borrower are or will be accurate and
complete in all  material  respects and  accurately  present or will present the
financial  condition of the Borrower as of their  respective dates and there has
been no  material  change  with  respect  thereto,  to the  best  of  Borrower's
knowledge.

ARTICLE 5

BORROWER'S COVENANTS

5.1  Covenants  of
Borrower.

So long as the Loans shall
remain unpaid, Borrower covenants and agrees as follows:

      a.
Borrower  shall not  increase  the number of members to serve on the  Borrower's
Board of  Directors  above  nine  without  the  written  permission  of  Lender;
and

      b.
Upon the  request of  Lender,  Borrower  shall use its best  efforts to obtain a
letter of resignation from each member of the Board of Directors who was elected
or appointed to replace any member of the Board of Directors of Borrower who had
previously  executed  and  delivered  to  Lender  a  letter  of  resignation  in
accordance  with Article 3 this Agreement and deliver such letter of resignation
to  Lender  to  be  held  in  escrow   in   accordance   with   Article  3  this
Agreement.

      c.
Without  the  express  written  consent  of  Lender,  which  consent  may not be
unreasonably withheld, Borrower shall not enter into any contracts,  agreements,
leases,  instruments  or other  documents of any kind or nature,  with any third
party, other than such contracts,  agreements, leases, instruments or other such
documents entered into in the normal course of Borrower's  business and which do
not, in the aggregate, exceed a monetary obligation on behalf of the Borrower in
excess of $250,000.

      d.
Without  Lender's  prior  written  consent,  Borrower  shall  not  authorize  or
otherwise  permit any stock  splits,  reverse  stock  splits;  stock  dividends;
mergers or  consolidations;  recapitalization  of  Borrower;  or the sale of any
assets of Borrower other than sales of assets in the normal course of Borrower's
business.

4

      e.
Borrower shall not, without the prior written consent of Lender, grant or permit
any security interest in any of the assets of Borrower to anyone, including, but
not limited to, purchase money security interests to trade creditors.

      f.
Borrower will, at its expense,  furnish to Lender promptly and upon request such
instruments  including,  without  limitation,  other  instruments in addition to
those  specifically  provided for herein, and take all further actions as Lender
may reasonably require from time to time in order to fully comply with the terms
of this Agreement.

      g.
Borrower  will  maintain and preserve its corporate  existence,  as  applicable,
under the laws of every jurisdiction, in which it does business.

      h.
Financial  statements of Borrower which have been audited by a certified  public
accountant, and income tax returns for the Borrower are to be provided to Lender
as soon as  reasonably  possible  after the end of each  fiscal year of Borrower
during the term of the Loans.

      i.
Borrower  will  immediately  notify Lender of any event or  circumstance,  which
reasonably  could be deemed to have a materially  adverse  effect on  Borrower's
financial  condition  or  Borrower's  ability  to  perform  its  agreements  and
obligations under the Agreement.

      j.
Borrower shall notify Lender in writing prior to the time there is any change of
name, identity or business structure of Borrower,  including the addition of any
trade names.

ARTICLE 6

DEFAULT AND REMEDIES

6.1  Events of Default.

The occurrence of any one
or more of the following, events or the existence, of one or more of the
following conditions shall constitute an event of default under this Agreement: 

      a.
Nonpayment.  Borrower shall fail to pay any installment of principal or interest
due under this  Agreement,  whether due on the date  provided  for therein or by
acceleration or otherwise.

      b.
Other Defaults. The occurrence of any of the following events:

	 	
i.
any  representation  or warranty made to Lender by Borrower in this Agreement or
Security Agreement, or otherwise in connection with the making of the Loan shall
prove at any time to have been incorrect in any material respect when made; or

	 	
ii.
the breach,  default or  violation by Borrower of any  obligation,  agreement or
covenant  contained  in  the  Agreement,  or  Security  Agreement,  executed  by
Borrower; or

	 	
iii.
any material provision of any of the Agreement, or Security Agreement,  shall at
any time  for any  reason  cease  to be in full  force  and  effect  or shall be
declared to be null and void; or

5

	 	
iv.
any  litigation or  proceeding is pending  which,  in Lender's  discretion,  may
materially  adversely  affect the ability of Borrower to perform its obligations
under the Agreement; or

	 	
v.
Borrower’s failure to comply with any other covenants or agreements
contained in any of the Agreement and not herein specifically referenced, unless
the same is cured within any applicable grace periods.

6.2  Cross-Default.

A default under the
Security Agreement shall constitute a default under this Agreement, and any
default under this agreement shall constitute a default under the Security
Agreement, and shall entitle Lender to pursue any and all remedies under each or
any of the Agreement. 

6.3  Remedies.

      a.
Upon the occurrence of any event of default hereunder as above provided,  and at
any time thereafter, all principal, interest and other amounts payable under the
Loan  Documents  shall,  at the option of  Lender,  become  immediately  due and
payable without presentment, demand, protest or other notice of any kind, all of
which are  expressly  waived by  Borrower.  Lender may proceed with every remedy
available  at law or in equity or provided  for in the Loan  Documents or in any
other document  executed in connection  with the Loan, in such order or sequence
as  Lender  may  determine  in  its  sole  discretion,  including  concurrently,
independently,   or  successively,  and  all  expenses  incurred  by  Lender  in
connection  with any remedy shall be deemed  indebtedness  of Borrower to Lender
including,   but  not  limited  to,  reasonable   attorney's  fees  incurred  by
Lender.

      b.
In addition to any other right or remedy Lender may have  hereunder or under any
of the  Notes or other  Loan  Documents,  Lender  may  pursue  any or all of the
following additional remedies, to wit:

	 	
i.
Demand the resignation of any or all of the members of the Board of Directors of
Borrower,  and if such  members  refuse to resign,  deliver to the  Borrower the
letters of resignation  held by Lender in escrow in accordance with Article 3 of
this  Agreement,  and  thereafter  Lender  shall have the right to appoint  such
resigned   or   terminated   member’s   replacement   to   the   Board   of
Directors.

ARTICLE 7

GENERAL PROVISIONS

7.1 Notices.

All notices, communications
and materials to be given or delivered pursuant to the Agreement shall, except
in those, cases where giving notice by telephone is expressly permitted, be
given or delivered in writing to the address of the appropriate party set forth
in the header hereof or at such other address as shall be changed in accordance
with notice provisions of this Section 6.1. 

7.2 Amendments.

No provision or term of the
Agreement may be amended, modified, revoked, supplemented, waived or otherwise
changed except by a written instrument duly executed by Borrower and Lender and
designated as such. 

6

7.3  Severability.

Whenever possible, each
provision of the Agreement shall be interpreted so as to be effective and valid
under Colorado law. Should any provision, covenant or agreement contained herein
be deemed in valid, illegal or unenforceable in any jurisdiction, the validity,
legality and enforceability of the remaining provisions of this Agreement shall
not be impaired thereby, nor shall the validity, legality or enforceability of
any such defective provision be in any way affected or impaired in any other
jurisdiction. 

7.4  Successors and
Assigns Bound; Assignment.

The covenants and
agreements contained here in shall bind Borrower, its successors and assigns.
Borrower may not assign this Agreement without the prior written consent of
Lender. Subject to the foregoing restriction, this Agreement shall inure to the
benefit of Lender, its successors and assigns. 

7.5  No  Third  Party
Benefits.

This Agreement is made for
the sole benefit of Borrower and Lender and their respective successors and
assigns, and no other person or persons shall have any rights or remedies under
or by reason of this Agreement. 

7.6 Headings.

The captions and headings
of the paragraphs in the Agreement are for convenience only and are not used to
interpret or define the provisions of this Agreement. 

7.7 Governing Law.

The Agreement and any other
documents executed in connection with the Loan shall be governed by and
interpreted in accordance with the laws of the State of Colorado. 

7.8 Conflict.

Should any provision of any
other Loan Document conflict with any provision of this Agreement, the provision
selected by Lender, in its sole discretion, shall govern and shall be
controlling. 

7.9Limitation  of
Liability.

LENDER SHALL NOT HAVE ANY
LIABILITY WITH RESPECT TO, AND THE BORROWER HEREBY WAIVES, RELEASES AND AGREES
NOT TO SUE FOR, ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES SUFFERED BY THE
BORROWER IN CONNECTION WITH ANY LOAN DOCUMENTS OR CLAIM RELATED THERETO. 

7.10 Counterparts.

This Agreement may be
signed in any number of counterparts, each of which shall be an original, with
the same effect as if the signatures thereto were upon the same instrument. 

7.11 Payment. Any
and all monies received by Lender from Borrower, whether prior or subsequent to
or as a result of a default under the Agreement, shall be applied by Lender
first to any interest due under the Agreement, but thereafter may be applied by
Lender to any of the amounts due under the Agreement. 

7.12  Clerical Error.

Borrower hereby irrevocably
authorizes Lender to correct without notice any clerical errors or omissions
that may be present in the Agreement executed in connection with the Loan.
Borrower further understands that such corrections shall not result in any
increase in the amount of the Loan that it must repay to Lender, or any change
of essential terms of repayment of the Loan, Borrower further consents in
advance to the correction of any errors or omissions as outlined herein and
acknowledges that it understands such correction procedure and agrees to such
correction procedure, without prior notice and without the necessity of written
authorization or approval. 

7

IN WITNESS WHEREOF, this
Loan Restructuring And Restatement Agreement has been duly executed and
delivered by the Parties hereto as of the date first written. 

Global Med Technologies, Inc.                        eBanker USA.com, Inc.

/s/ Michael I. Ruxin                                 /s/ Robert H. Trapp

8

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