Document:

To:      The Board of eBanker USA.com, Inc.

From:    Michael Ruxin, Director, Chairman and CEO; Gordon Segal, Director; and
         Gerald Willman, Director, Global Med Technologies, Inc.

Global Med Technologies,  Inc. (Global) Hereby Requests the Proposed Terms for a
Loan Extension from eBanker USA.com, Inc. (eBanker)

April 14, 2000

Loan:               $2,650,000  loan,  convertible  into  shares  of  Global  at
                    $1.6875  (market  close on  4/14/2000),  at 12% interest per
                    annum,  interest and principal due in 270 days following the
                    date of this agreement. eBanker will have the right to elect
                    conversion  on  the  due  date  prior  to  repayment   being
                    accepted.

                    Global will  provide  eBanker with  30-days  advance  notice
                    should it choose  to repay of the Loan  early.  In that time
                    eBanker  will  have the  right to elect  for  conversion  or
                    repayment.

Commitment:         78,519  free  common  shares of Global  (5% fee,  based on a
Fee                 market price of $1.6875).

Auto Extension:     If the Loan's accrued interest or principal is not repaid in
                    270 days the Loan's  interest and principal due date will be
                    automatically  extended  to April  15,  2001.  The Loan will
                    become  a  straight  loan,  without   conversion   features.
                    Interest  will  continue  to  accrue on the  balance  at 12%
                    interest per annum.

                    If the Loan's accrued interest or principal is not repaid in
                    270 days, 10-year warrants convertible into common shares of
                    Global  at an  exercise  price of $0.50  will be  issued  to
                    eBanker.  The quantity will be equal to the entire principal
                    and interest amount divided by the new exercise price.

Underlying:         The Global agrees to provide all eBanker-owned  common stock
Registration        and derivatives on common stock with piggyback  registration
                    rights.

                    Global commits to completing this registration  prior to 180
                    days follow the date of this agreement.

                    Global  commits  to  maintain  registration  of  all  Global
                    eBanker-owned common stock and derivatives on common stock.

Confirmation of:    Except for the terms above, the terms of the underlying loan
Terms of            agreement,  including  but not  limited to the  default  and
Underlying          remedy provisions,  shall remain unaffected,  unchanged, and
Agreement           unimpaired by reason of this amendment.

For and on Behalf of:
Global Med Technologies, Inc.

/s/ Michael Ruxin                                    /s/ Gordon Segal
-------------------------------                      ---------------------------
Michael Ruxin, Director                              Gordon Segal, Director
Date:  April 21, 2000                                Date:  April 21, 2000

<PAGE>

EXHIBIT 10.2 (continued)

/s/ Gerald Willman
-------------------------------
Gerald Willman, Director
Date:  April 21, 2000

Agreed and accepted by:
eBanker USA.com, Inc.

/s/ Robert Trapp
-------------------------------
Robert Trapp, Director
Date:  April 25, 2000To:      The Board of eBanker USA.com, Inc.

From:    Michael Ruxin, Director, Chairman and CEO; Gordon Segal, Director; and
         Gerald Willman, Director, Global Med Technologies, Inc.

Global Med Technologies,  Inc. (Global) Hereby Requests the Proposed Terms for a
Loan Extension from eBanker USA.com, Inc. (eBanker)

April 14, 2000

Loan:               eBanker agrees to commit to extend the $750,000  convertible
                    loan at 12% interest per annum with  interest and  principal
                    due  January 1, 2001.  eBanker  will have the right to elect
                    conversion  on  the  due  date  prior  to  repayment   being
                    accepted.

                    Global will  provide  eBanker with  30-days  advance  notice
                    should it choose  to repay of the Loan  early.  In that time
                    eBanker  will  have the  right to elect  for  conversion  or
                    repayment.

Commitment:         22,222  free  common  shares of Global  (5% fee,  based on a
Fee                 market price of $1.6875).

Underlying:         The Global agrees to provide all eBanker-owned  common stock
Registration        and derivatives on common stock with piggyback  registration
                    rights.

                    Global commits to completing this registration  prior to 180
                    days follow the date of this agreement.

                    Global  commits  to  maintain  registration  of  all  Global
                    eBanker-owned common stock and derivatives on common stock.

Confirmation of:    Except for the terms above, the terms of the underlying loan
Terms of            agreement,  including  but not  limited to the  default  and
Underlying          remedy provisions,  shall remain unaffected,  unchanged, and
Agreement           unimpaired by reason of this amendment.

For and on Behalf of:
Global Med Technologies, Inc.

/s/ Michael Ruxin                                  /s/ Gordon Segal
-------------------------------
Michael Ruxin, Director                            Gordon Segal, Director
Date:  April 21, 2000                              Date:  April 21, 2000

/s/ Gerald Willman
-------------------------------
Gerald Willman, Director
Date:  April 21, 2000

<PAGE>

EXHIBIT 10.3 (continued)

Agreed and accepted by:
eBanker USA.com, Inc.

/s/ Robert Trapp
-------------------------------
Robert Trapp, Director
Date:  April 25, 2000<PAGE>

                                                                     EXHIBIT 4.1

                                  COMPANY LOGO

   DENDREON CORPORATION INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE

<TABLE>
<S>                                              <C>
THIS CERTIFICATE IS TRANSFERABLE IN NEW          SEE REVERSE FOR CERTAIN DEFINITIONS AND A STATEMENT AS TO THE
YORK, N.Y. AND RIDGEFIELD PARK, N.J.             RIGHTS, PREFERENCES, PRIVILEGES AND RESTRICTIONS ON TRANSFER

THIS CERTIFIES THAT                              CUSIP 24823Q 10 7

is the record holder of
</TABLE>

    FULLY PAID AND NONASSESSABLE SHARES OF COMMON STOCK, $.001 PAR VALUE, OF

                              DENDREON CORPORATION

transferable on the books of the Corporation by the holder hereof in person or
by duly authorized attorney, upon surrender of this Certificate properly
endorsed. This Certificate is not valid until countersigned and registered by
the Transfer Agent and Registrar.

     WITNESS the facsimile seal of the Corporation and the facsimile signatures
of its duly authorized officers.

Dated:

Chief Financial Officer and Treasurer      President and Chief Executive Officer

                                                   COUNTERSIGNED AND REGISTERED:

                                        CHASEMELLON SHAREHOLDER SERVICES. L.L.C.
                                                    TRANSFER AGENT AND REGISTRAR

                                                         BY AUTHORIZED SIGNATURE
<PAGE>

The Corporation will furnish without charge to each stockholder who so requests
the powers, designations, preferences and relative, participating, optional or
other special rights of each class of stock or series thereof and the
qualifications, limitations or restrictions of such preferences and/or rights.
Such requests should be made to the Corporation's Secretary at the principal
office of the Corporation.

KEEP THIS CERTIFICATE IN A SAFE PLACE. IF IT IS LOST, STOLEN, MUTILATED OR
DESTROYED, THE CORPORATION WILL REQUIRE A BOND OF INDEMNITY AS A CONDITION TO
THE ISSUANCE OF A REPLACEMENT CERTIFICATE.

The following abbreviations, when used in the inscription on the face of this
certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

TEN COM -           as tenants in common
TEN ENT -           as tenants by the entireties
JT TEN -            as joint tenants with right of survivorship and not as
                    tenants in common
UNIF GIFT MIN ACT - __________ Custodian __________
                      (Cust)               (Minor)
                    under Uniform Gifts to Minors Act __________
                                                       (State)

    Additional abbreviations may also be used though not in the above list.

FOR VALUE RECEIVED, _____________________ hereby sells, assigns and transfers
unto

PLEASE INSERT SOCIAL SECURITY OR
OTHER IDENTIFYING NUMBER OF ASSIGNEE

________________________________________________________________________________
  (PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE OF ASSIGNEE)

Shares of the common stock represented by the within Certificate, and do hereby
irrevocably constitute and appoint _____________________________________________
_______________________________________________________________________ Attorney
to transfer the said stock on the books of the within named Company with full
power of substitution in the premises.

Dated ______________________
<PAGE>

                                X
                                ________________________________________________
                                NOTICE: THE SIGNATURE(S) TO THIS ASSIGNMENT MUST
                                CORRESPOND WITH THE NAME(S) AS WRITTEN UPON THE
                                FACE OF THE CERTIFICATE IN EVERY PARTICULAR,
                                WITHOUT ALTERATION OR ENLARGEMENT OR ANY CHANGE
                                WHATEVER.

Signature(s) Guaranteed:

By ____________________________
THE SIGNATURE(S) MUST BE GUARANTEED BY AN ELIGIBLE GUARANTOR INSTITUTION (BANKS,
STOCKBROKERS, SAVINGS AND LOAN ASSOCIATIONS AND CREDIT UNIONS WITH MEMBERSHIP
IN AN APPROVED SIGNATURE GUARANTEE MEDALLION PROGRAM), PURSUANT TO S.E.C. RULE
17Ad-15.

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