Document:

Exhibit 10.1

EXHIBIT
10.1

CHANGE
OF CONTROL AGREEMENT

THIS
AGREEMENT, made as of the 31st day of May, 2005, by and between SUMMIT
BANK CORPORATION, a
Georgia corporation (“Summit”), the SUMMIT
NATIONAL BANK, a
national banking association (“the Bank”) (Summit and the Bank being
collectively hereinafter referred to as the “Corporation”) and THOMAS
J. FLOURNOY, an
individual resident of Georgia (“the Executive”) for the purpose of establishing
a severance arrangement between the Corporation and the Executive in the event
of a Change in Control (as hereinafter defined) of the Corporation.

W I T
N E S S E T H:

WHEREAS,
the board of directors of the Corporation (the “Board”) recognizes that the
Executive’s contribution to the growth and success of the Corporation has been
substantial; and

WHEREAS,
the Executive has rendered valuable service to the Corporation in various
executive capacities; and

WHEREAS,
the Corporation desires to induce the Executive to remain in his current
employment by providing the Executive a measure of security; and

WHEREAS,
the Corporation desires to continue to have the benefits of the Executive’s full
time and attention to the affairs of the Corporation without diversion due to
concerns about a possible Change in Control (as hereinafter defined) of the
Corporation;

NOW,
THEREFORE, in consideration of the foregoing, the mutual covenants contained
herein, and other good and valuable consideration, the receipt and sufficiency
of which are hereby acknowledged, the parties hereto, intending to be legally
bound, hereby agree as follows;

1.  Definitions. All the
terms defined in this section shall have the meanings given below throughout
this Agreement.

(a)    “Base
Annual Salary” shall mean the greater of the Executive’s annual base salary (i)
at the rate in effect on the Termination Date or (ii) at the highest rate in
effect at any time during the ninety day period prior to a Change in Control,
and shall include all amounts of his/her base salary that are deferred under any
qualified or non-qualified employee benefit plans of the corporation or any
other agreement or arrangement, but shall not include amounts paid or payable as
bonuses.

(b)    “Board”
shall mean the Board of Directors of Summit.

(c)    “Cause”
shall mean the termination of the Executive’s employment as a result of:

1

(i)     any act
that (A) constitutes, on the part of the Executive, fraud, dishonesty, gross
malfeasance of duty, or conduct grossly inappropriate to the Executive’s office,
and (B) is demonstrably likely to lead to a material injury to the Corporation
or resulted in or was intended to result in direct or indirect gain to or
personal enrichment of the Executive; or

(ii)    the
conviction (from which no appeal may be or is timely taken) of the Executive of
a felony; or

(iii)   the
suspension or removal of the Executive by federal or state banking regulatory
authorities acting under lawful authority pursuant to provisions of federal or
state law or regulation which may be in effect from time to time;

provided,
however, that in
the case of clause (i) above, such conduct shall not constitute
Cause;

(x)  
unless (A) there shall have been delivered to the Executive a written notice
setting forth with specificity the reasons that the Board believes that the
Executive’s conduct constitutes the criteria set forth in clause (i), (B) the
Executive shall have been provided the opportunity to be heard in person by the
Board (with the assistance of the Executive’s counsel if the Executive so
desires) and (C) after such hearing, the termination is evidenced by a
resolution adopted in good faith by two-thirds of the members of the Board
(other than the Executive); or

(y)  
if such conduct (A) was believed by the Executive in good faith to have been in
or not opposed to the interests of the Corporation, and (B) was not intended to
and did not result in the direct or indirect gain to or personal enrichment of
the Executive.

(d)    “Change
in Control” shall mean the occurrence of any of the following
events:

(i)     an
acquisition (other than directly from the Corporation) of any voting securities
of the Corporation ({“Voting Securities”) by any “Person” (as the term person is
used for purposes of Section 13(d) or 14(d) of the Securities Exchange Act of
1934 (the “1934 Act”)) immediately after which such Person has “Beneficial
Ownership” (within the meaning of Rule 13d-3 promulgated under the 1934 Act) of
25% or more of the combined voting power of the Corporation’s then outstanding
Voting Securities; provided,
however, that in
determining whether a Change in Control has occurred, Voting Securities which
are acquired in an acquisition by (1) an employee benefit plan (or a trust
forming a part thereof) maintained by (x) the Corporation or (y) any corporation
or other person of which a majority of its voting power or its equity securities
or equity interest is owned directly or indirectly by the Corporation (a
“Subsidiary”), (2) the Corporation or any subsidiary, or (3) any Person in
connection with a “Non-Control Transaction” (as hereinafter defined) shall not
constitute an acquisition for purposes for this clause (i).

2

(ii)    The
individuals who, as of the date of this Agreement, are members of the Board (the
“Incumbent Board”) cease for any reason to constitute at least 80% of the Board;
provided,
however, that if
the election, or nomination for election by the Corporation’s shareholders, of
any new director was approved by a vote of at least 80% of the Incumbent Board,
such new director shall for purposes of this Agreement, be considered as a
member of the Incumbent Board; provided,
further,
however, that no
individual shall be considered a member of the Incumbent Board if such
individual initially assumed office as a result of either an actual or
threatened “Election Contest” (as described in Rule 14a-11 promulgated under the
1934 Act) or other actual or threatened solicitation of proxies or consents by
or on behalf of a Person other than the Board (a “Proxy Contest”) including by
reason of any agreement intending to avoid or settle any Election Contest of
Proxy Contest; or

(iii)   Approval
by the shareholders of the Corporation of:

(a)    a merger,
consolidation or reorganization involving the Corporation, unless:

(1)    the
shareholders of the Corporation, immediately before such merger, consolidation
or reorganization own, directly or indirectly, immediately following such a
merger, consolidation or reorganization, at least two-thirds of the combined
voting power of the outstanding voting securities of the corporation resulting
from such merger, consolidation or reorganization (the “Surviving Corporation”)
in substantially the same proportion as their ownership of the Voting Securities
immediately before such merger, consolidation or reorganization, and

(2)    the
individuals who were members of the Incumbent Board immediately prior to the
execution of the Agreement providing for such merger, consolidation or
reorganization constitute at least 80% members of the board of directors of the
Surviving Corporation.

(A
transaction described in clauses (1) and (2) above shall hereinafter be referred
to as “Non-Control Transaction.”)

(b)    A
complete liquidation or dissolution of the Corporation; or

(c)    An
agreement for the sale or other disposition of all or substantially all of the
assets of the Corporation to any Person (other than a transfer to a
Subsidiary).

3

(iv)   Notwithstanding
anything contained in this Agreement to the contrary, if the Executive’s
employment is terminated prior to a Change in Control and the Executive
reasonably demonstrates that such termination (A) was at the request of a third
party who has indicated an intention or taken steps reasonably calculated to
effect a change in Control (a “Third Party”) r (B) otherwise occurred in
connection with, or in anticipation of, a Change in Control, then for all
purposes of this Agreement, the date of a Change in Control with respect to the
Executive shall mean the date immediately prior to the date of such termination
of the Executive’s employment.

(d)    “Good
Reason” shall mean the occurrence after a Change in Control of any of the events
or provisions as described in subsections (i) through (viii)
hereof:

(i)     a change
in the Executive’s status, title, position or responsibilities (including
reporting responsibilities) which, in the Executive’s reasonable judgment,
represents an adverse change from his/her status, title, position or
responsibilities as in effect at any time within ninety days preceding the date
of a Change in Control or at any time thereafter; the assignment to the
Executive of any duties or responsibilities which, in the Executive’s reasonable
judgment, are inconsistent with his/her status, title, position or
responsibilities as in effect at any time within ninety days preceding the date
of a Change in Control or at any time thereafter; any removal of the Executive
from or failure to reappoint or reelect him/her to any of such offices or
positions, except in connection with the termination of his/her employment for
Cause, as a result of his/her death or by the Executive other than for Good
Reason, or any other change in condition or circumstances that in the
Executive’s reasonable judgment makes it materially more difficult for the
Executive to carry out the duties and responsibilities of his/her office that
existed at any time within ninety days preceding the date of the Change in
Control or at any time thereafter;

(ii)    a
reduction in the Executive’s base salary or any failure to pay the Executive any
compensation or benefits to which he/she is entitled within five days of the
date due;

(iii)   the
Corporation’s requiring the Executive to be based at any place outside a 50-mile
radius from the offices occupied by the Executive immediately prior to the
Change in Control, except for reasonably required travel on the Corporation’s
business which is not materially greater than such travel requirements prior to
the Change in Control;

(iv)   the
failure by the Corporation to (A) continue in effect (without reduction in
benefit level and/or reward opportunities) any material compensation or employee
benefit plan in which the Executive was participating at any time within ninety
days preceding the date of a Change in Control or at any time thereafter, unless
such plan is replaced with a plan that provides substantially equivalent
compensation or benefits to the Executive or (B) provide the Executive with
compensation and benefits , in the aggregate, at least equal (in terms of
benefits levels and/or reward opportunities) to those provided for under each
other employee benefit plan, program or practice in which the Executive was
participating at any time within ninety days preceding the date of a Change of
Control or at any time thereafter;

4

(v)    the
insolvency or the filing (by any party, including the Corporation) of a petition
for bankruptcy of the Corporation which petition is not dismissed within sixty
days;

(vi)   any
material breach by the Corporation of any provision of this
Agreement;

(vii)         
any
purported termination of the Executive’s employment for Cause by the Corporation
which does not comply with the terms of this Agreement;

(viii)        
the
failure of the Corporation to obtain an agreement, satisfactory to the
Executive, from any Successors and Assigns to assume and agree to perform this
Agreement.

Any event
or condition described in clause (i) through (viii) above which occurs prior to
a Change in Control but which the Executive reasonably demonstrates (A) was at
the request of a Third-Party, or (B) otherwise arose in connection with, or in
anticipation of, a Change in Control which actually occurs, shall constitute
Good Reason for purposes of this Agreement, notwithstanding that it occurred
prior to the Change in Control. The Executive’s right to terminate his/her
employment for Good Reason shall not be affected by his/her incapacity due to
physical or mental illness.

(e)    “Involuntary
Termination” shall mean any termination of the Executive’s employment with the
Corporation or any Subsidiary, Successor or Assign of the Corporation following
a change in Control, provided,
however, that
the term Involuntary Termination shall not include a termination resulting from
a resignation by the Executive or a termination by the Corporation for Cause.

 

(f)    “Notice
of Termination” shall mean a written notice of termination from the Corporation
or the Executive which specifies an effective date of termination, indicates the
Corporation or the Executive which specifies an effective date of termination,
indicates the specific termination provision in this Agreement relied upon and
sets forth in reasonable detail the facts and circumstances claimed to provide a
basis for termination of the Executive’s employment under the provision so
indicated.

(h)    “Severance
Amount” shall mean an amount equal to 100% of the Executive’s Base Annual
Salary.

5

(i)     “Successors
and Assigns” shall mean a corporation or other entity acquiring all or
substantially all of the assets and business of the Corporation (including this
Agreement), whether by operation of law or otherwise.

(j)     “Termination
Date” shall mean the date specified in the Notice of Termination.

	 	
      (2)
	
      Payment
      of Severance Amount.

(a)    If the
Executive’s employment by the Corporation or any Subsidiary, or Successor or
Assign of the Corporation shall be subject to an Involuntary Termination, then
the Corporation shall pay the Executive an amount equal to the Severance Amount,
payable within fifteen days after the Termination Date. If the Executive
terminates his/her employment for Good Reason, then the Corporation shall pay to
the Executive an amount equal to the Severance Amount, payable within fifteen
days after the Termination Date.

(b)    In the
event of either an Involuntary Termination or the Executive’s resignation for
Good Reason, any stock options previously granted to the Executive shall
immediately become fully vested, and all such options shall be exercisable by
the Executive at any time within six months from the Termination
Date.

3.     
Indemnification
of Executive. In the
event of either an Involuntary Termination or the Executive’s resignation for
Good Reason, the Executive shall be entitled to the indemnity provided to
officers and directors of the Corporation immediately prior to the Change in
Control. Any changes to the Corporation’s bylaws or Articles of Incorporation or
otherwise which reduce any indemnity granted to the offices or directors of the
Corporation shall not affect the rights granted hereunder. The Corporation shall
not reduce any of the Executive’s indemnity benefits without the prior written
consent of the Executive. Any references to Georgia law in the Corporation’s
bylaws or other documents granting indemnity to the Executive shall be deemed to
be references as of the date of this Agreement, and any amendments to Georgia
laws, including a revocation thereof, shall not reduce the indemnification
benefits granted hereunder. 

4.     
Term. Unless
terminated as provided below, this Agreement shall be effective as of the date
first above written and shall remain in effect for a continuing term of three
(3) years which shall be extended automatically (without further action by the
Executive, Summit or the Bank) each day for an additional day so that the
remaining term is always three years; provided, that the Executive, Summit or
the Bank may, by the giving of written notice to all the other parties to this
Agreement, fix the term to a finite term of three years, without further
automatic extension, commencing with the date of such notice. 

6

5.     Notices. Notices
and all communications under this Agreement shall be in writing and shall be
deemed given when personally delivered or mailed by United States registered or
certified mail, return receipt requested, postage prepaid, addressed as follows:

If to the
Corporation, to:

Summit
Bank Corporation

4360
Chamblee Dunwoody Road

Atlanta,
Georgia 30341

Attn:
Secretary of Summit Bank Corporation, or its Successor or Assign, with copies to
the President of Summit Bank Corporation or its Successor or Assign and the
President of the Summit National Bank or its Successor or Assign.

If to the
Executive, to:

Summit
Bank Corporation

4360
Chamblee Dunwoody Road

Atlanta,
Georgia 30341

Attn:
Thomas J. Fournoy

or to
such other address as either party may furnish to the other in writing, except
that any notice of changes of address shall be effective only upon
receipt.

6.    Applicable
Law. This
contract is entered into under, and shall be governed by the laws of the State
of Georgia.

7.    Severability. If a
court of competent jurisdiction determines that any provision of this Agreement
is invalid or unenforceable, then the invalidity or unenforceability of that
provision shall not affect the validity or enforceability of any other provision
of this Agreement and all other provisions shall remain in full force and
effect.

8.    Not
an Employment Agreement; Mitigation. Nothing
in this Agreement shall give the Executive any rights (or impose any
obligations) to continue employment by the Corporation or any Subsidiary or
Successor or Assign of the Corporation, nor shall it give the Corporation any
rights (or impose any obligations) for the continued performance of duties by
the Executive for the Corporation or any Subsidiary, Successor or Assign of the
Corporation. The Executive’s right to receive benefits under this Agreement
shall not be reduced by the Executive’s employment with any other employer after
terminating employment with the Corporation in accordance with this Agreement.
Any compensation for services rendered or consulting fees earned after the
Termination Date shall not diminish the Executive’s right to receive all amounts
due hereunder.

7

9.    No
Assignment. The
Executive’s right to receive payment or benefits under this Agreement shall not
be assignable or transferable, whether by pledge, creation of a security
interest or otherwise, other than the transfer by will or by the laws of descent
and distribution. In the event of an attempted assignment or transfer contrary
to this paragraph, the Corporation shall have no liability to pay any amount so
attempted to be assigned or transferred. This Agreement shall inure to the
benefit of and be enforceable by the Executive’s personal or legal
representatives, executors, administrators, successors, heirs, distributes,
devisees and legatees. 

10.         
Cost
of Enforcement; Interest. If the
Executive collects any part of the Severance Amount or other benefits hereunder
or otherwise enforces the terms of this Agreement through a lawyer or lawyers,
the Corporation shall pay all cost of such collection or enforcement, including
reasonable legal fees incurred by the Executive. In addition the Corporation
shall pay the Executive interest on all or any part of the Severance Amount or
other benefits hereunder that is not paid when due at a rate equal to the Prime
Rate as announced by the Wall
Street Journal in its
Money Rates column from time to time. 

IN
WITNESS WHEREOF, the parties have caused this Agreement to be executed and
delivered as of the date and year first above written.

	 	
      SUMMIT
      BANK CORPORATION

	 	 	 
	 	 	 
	 	
      By:
	
      /s/
      Pin Pin Chau

	 	
      Its:
	
      Chief
      Executive Officer

	 	 	 
	 	 	 
	 	
      THE
      SUMMIT NATIONAL BANK

	 	 	 
	 	 	 
	 	
      By:
	
      /s/
      Pin Pin Chau

	 	
      Its:
	
      Chief
      Executive Officer

	 	 	 
	 	 	 
	 	
      EXECUTIVE

	 	 	 
	 	
        /s/
      Thomas J. Flournoy

	 	
      Thomas
      J. Flournoy

 

8<PAGE>

EXHIBIT 4.2

                  THIS NOTE AND THE COMMON SHARES ISSUABLE UPON CONVERSION OF
         THIS NOTE HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
         AMENDED. THIS NOTE AND THE COMMON SHARES ISSUABLE UPON CONVERSION OF
         THIS NOTE MAY NOT BE SOLD, OFFERED FOR SALE, PLEDGED OR HYPOTHECATED IN
         THE ABSENCE OF AN EFFECTIVE REGISTRATION STATEMENT AS TO THIS NOTE
         UNDER SAID ACT OR AN OPINION OF COUNSEL REASONABLY SATISFACTORY TO ONE
         VOICE TECHNOLOGIES, INC. THAT SUCH REGISTRATION IS NOT REQUIRED.

                                CONVERTIBLE NOTE
                                ----------------

         FOR VALUE RECEIVED, ONE VOICE TECHNOLOGIES, INC., a Nevada corporation
(hereinafter called "Borrower"), hereby promises to pay to
______________________, Fax: _______ (the "Holder") or order, without demand,
the sum of ________________ ($____________), with simple interest accruing at
the annual rate of 6%, on March 18, 2008 (the "Maturity Date").

         This Note has been entered into pursuant to the terms of a subscription
agreement between the Borrower and the Holder, dated of even date herewith (the
"Subscription Agreement"), and shall be governed by the terms of such
Subscription Agreement. Unless otherwise separately defined herein, all
capitalized terms used in this Note shall have the same meaning as is set forth
in the Subscription Agreement. The following terms shall apply to this Note:

                                    ARTICLE I

                               GENERAL PROVISIONS

         1.1 PAYMENT GRACE PERIOD. The Borrower shall have a ten (10) day grace
period to pay any monetary amounts due under this Note, after which grace period
a default interest rate of fifteen percent (15%) per annum shall apply to the
amounts owed hereunder.

         1.2 CONVERSION PRIVILEGES. The Conversion Privileges set forth in
Article II shall remain in full force and effect immediately from the date
hereof and until the Note is paid in full regardless of the occurrence of an
Event of Default. The Note shall be payable in full on the Maturity Date, unless
previously converted into Common Stock in accordance with Article II hereof;
provided, that if an Event of Default has occurred (whether or not such Event of
Default is continuing), the Borrower may not pay this Note on or after the
Maturity Date, without the consent of the Holder.

         1.3 INTEREST RATE. Simple interest payable on this Note shall accrue at
the annual rate of six percent (6%) and be payable upon each Conversion, June 1,
2005 and semi-annually thereafter, and on the Maturity Date, accelerated or
otherwise, when the principal and remaining accrued but unpaid interest shall be
due and payable, or sooner as described below.

<PAGE>

                                   ARTICLE II

                                CONVERSION RIGHTS

         The Holder shall have the right to convert the principal due under this
Note into Shares of the Borrower's Common Stock, $.001 par value per share
("Common Stock") as set forth below.

                  2.1. CONVERSION INTO THE BORROWER'S COMMON STOCK.

                  (a) The Holder shall have the right from and after the date of
the issuance of this Note and then at any time until this Note is fully paid, to
convert any outstanding and unpaid principal portion of this Note, and accrued
interest, at the election of the Holder (the date of giving of such notice of
conversion being a "Conversion Date") into fully paid and nonassessable shares
of Common Stock as such stock exists on the date of issuance of this Note, or
any shares of capital stock of Borrower into which such Common Stock shall
hereafter be changed or reclassified, at the conversion price as defined in
Section 2.1(b) hereof (the "Conversion Price"), determined as provided herein.
Upon delivery to the Borrower of a Notice of Conversion as described in Section
7 of the Subscription Agreement of the Holder's written request for conversion,
Borrower shall issue and deliver to the Holder within three (3) business days
from the Conversion Date ("Delivery Date") that number of shares of Common Stock
for the portion of the Note converted in accordance with the foregoing. At the
election of the Holder, the Borrower will deliver accrued but unpaid interest on
the Note in the manner provided in Section 1.3 through the Conversion Date
directly to the Holder on or before the Delivery Date (as defined in the
Subscription Agreement). The number of shares of Common Stock to be issued upon
each conversion of this Note shall be determined by dividing that portion of the
principal of the Note and interest to be converted, by the Conversion Price.

                  (b) Subject to adjustment as provided in Section 2.1(c)
hereof, the Conversion Price per share shall be the lower of (i) $0.047
("Maximum Base Price") or (ii) eighty (80%) of the average of the three lowest
closing bid prices for the Common Stock for the thirty (30) trading days prior
to but not including the Conversion Date for the Common Stock on the OTC Pink
Sheets, NASD OTC Bulletin Board, NASDAQ SmallCap Market, NASDAQ National Market
System, American Stock Exchange, or New York Stock Exchange, as applicable, or
if not then trading on any of the foregoing, such other principal market or
exchange where the Common Stock is listed or traded (whichever of the foregoing
is at the time the principal trading exchange or market for the Common Stock,
the "Principal Market"). Closing bid price shall mean the closing bid price as
reported by Bloomberg L.P.

                  (c) The Maximum Base Price and number and kind of shares or
other securities to be issued upon conversion determined pursuant to Section
2.1(a), shall be subject to adjustment from time to time upon the happening of
certain events while this conversion right remains outstanding, as follows:

                           A. Merger, Sale of Assets, etc. If the Borrower at
any time shall consolidate with or merge into or sell or convey all or
substantially all its assets to any other corporation, this Note, as to the
unpaid principal portion thereof and accrued interest thereon, shall thereafter
be deemed to evidence the right to purchase such number and kind of shares or
other securities and property as would have been issuable or distributable on
account of such consolidation, merger, sale or conveyance, upon or with respect
to the securities subject to the conversion or purchase right immediately prior
to such consolidation, merger, sale or conveyance. The foregoing provision shall
similarly apply to successive transactions of a similar nature by any such
successor or purchaser. Without limiting the generality of the foregoing, the
anti-dilution provisions of this Section shall apply to such securities of such
successor or purchaser after any such consolidation, merger, sale or conveyance.

                           B. Reclassification, etc. If the Borrower at any time
shall, by reclassification or otherwise, change the Common Stock into the same
or a different number of securities of any class or classes that may be issued
or outstanding, this Note, as to the unpaid principal portion thereof and
accrued interest thereon, shall thereafter be deemed to evidence the right to
purchase an adjusted number of such securities and kind of securities as would
have been issuable as the result of such change with respect to the Common Stock
immediately prior to such reclassification or other change.

                           C. Stock Splits, Combinations and Dividends. If the
shares of Common Stock are subdivided or combined into a greater or smaller
number of shares of Common Stock, or if a dividend is paid on the Common Stock
in shares of Common Stock, the Conversion Price shall be proportionately reduced
in case of subdivision of shares or stock dividend or proportionately increased
in the case of combination of shares, in each such case by the ratio which the
total number of shares of Common Stock outstanding immediately after such event
bears to the total number of shares of Common Stock outstanding immediately
prior to such event.

                                       2

<PAGE>

                           D. Share Issuance. So long as this Note is
outstanding, if the Borrower shall issue any shares of Common Stock except for
the Excepted Issuances (as defined in the Subscription Agreement) for a
consideration less than the Conversion Price in effect at the time of such
issue, then, and thereafter successively upon each such issue, the Conversion
Price shall be reduced to such other lower issue price. For purposes of this
adjustment, the issuance of any security carrying the right to convert such
security into shares of Common Stock or of any warrant, right or option to
purchase Common Stock shall result in an adjustment to the Conversion Price upon
the issuance of security and again upon the issuance of shares of Common Stock
upon exercise of such conversion or purchase rights if such issuance is at a
price lower than the then applicable Conversion Price.

                  (d) Whenever the Conversion Price is adjusted pursuant to
Section 2.1(c) above, the Borrower shall promptly mail to the Holder a notice
setting forth the Conversion Price after such adjustment and setting forth a
brief statement of the facts requiring such adjustment.

                  (e) During the period the conversion right exists, Borrower
will reserve from its authorized and unissued Common Stock a sufficient number
of shares to provide for the issuance of Common Stock upon the full conversion
of this Note, but not less than the amount of shares of Common Stock required to
be reserved pursuant to the Subscription Agreement. Borrower represents that
upon issuance, such shares will be duly and validly issued, fully paid and
non-assessable. Borrower agrees that its issuance of this Note shall constitute
full authority to its officers, agents, and transfer agents who are charged with
the duty of executing and issuing stock certificates to execute and issue the
necessary certificates for shares of Common Stock upon the conversion of this
Note.

                  2.2 METHOD OF CONVERSION. This Note may be converted by the
Holder in whole or in part as described in Section 2.1(a) hereof and the
Subscription Agreement. Upon partial conversion of this Note, a new Note
containing the same date and provisions of this Note shall, at the request of
the Holder, be issued by the Borrower to the Holder for the principal balance of
this Note and interest which shall not have been converted or paid.

                  2.3 MAXIMUM CONVERSION. The Holder shall not be entitled to
convert on a Conversion Date that amount of the Note in connection with that
number of shares of Common Stock which would be in excess of the sum of (i) the
number of shares of Common Stock beneficially owned by the Holder and its
affiliates on a Conversion Date, (ii) any Common Stock issuable in connection
with the unconverted portion of the Note, and (iii) the number of shares of
Common Stock issuable upon the conversion of the Note with respect to which the
determination of this provision is being made on a Conversion Date, which would
result in beneficial ownership by the Holder and its affiliates of more than
9.99% of the outstanding shares of Common Stock of the Borrower on such
Conversion Date. For the purposes of the provision to the immediately preceding
sentence, beneficial ownership shall be determined in accordance with Section
13(d) of the Securities Exchange Act of 1934, as amended, and Regulation 13d-3
thereunder. Subject to the foregoing, the Holder shall not be limited to
aggregate conversions of only 9.99% and aggregate conversion by the Holder may
exceed 9.99%. The Holder shall have the authority and obligation to determine
whether the restriction contained in this Section 2.3 will limit any conversion
hereunder and to the extent that the Holder determines that the limitation
contained in this Section applies, the determination of which portion of the
Notes are convertible shall be the responsibility and obligation of the Holder.
The Holder may void the conversion limitation described in this Section 2.3 upon
and effective after 61 days prior written notice to the Borrower. The Holder may
allocate which of the equity of the Borrower deemed beneficially owned by the
Holder shall be included in the 9.99% amount described above and which shall be
allocated to the excess above 9.99%.

                                   ARTICLE III

                                EVENT OF DEFAULT

                  The occurrence of any of the following events of default
("Event of Default") shall, at the option of the Holder hereof, make all sums of
principal and interest then remaining unpaid hereon and all other amounts
payable hereunder immediately due and payable, upon demand, without presentment,
or grace period, all of which hereby are expressly waived, except as set forth
below:

                  3.1 FAILURE TO PAY PRINCIPAL OR INTEREST. The Borrower fails
to pay any installment of principal, interest or other sum due under this Note
when due and such failure continues for a period of ten (10) days after the due
date. The ten (10) day period described in this Section 3.1 is the same ten (10)
day period described in Section 1.1 hereof.

                  3.2 BREACH OF COVENANT. The Borrower breaches any material
covenant or other term or condition of the Subscription Agreement or this Note
in any material respect and such breach, if subject to cure, continues for a
period of ten (10) business days after written notice to the Borrower from the
Holder.

                                       3

<PAGE>

                  3.3 BREACH OF REPRESENTATIONS AND WARRANTIES. Any material
representation or warranty of the Borrower made herein, in the Subscription
Agreement, or in any agreement, statement or certificate given in writing
pursuant hereto or in connection therewith shall be false or misleading in any
material respect as of the date made and a Closing Date.

                  3.4 RECEIVER OR TRUSTEE. The Borrower shall make an assignment
for the benefit of creditors, or apply for or consent to the appointment of a
receiver or trustee for it or for a substantial part of its property or
business; or such a receiver or trustee shall otherwise be appointed.

                  3.5 JUDGMENTS. Any money judgment, writ or similar final
process shall be entered or filed against Borrower or any of its property or
other assets for more than $50,000, and shall remain unvacated, unbonded or
unstayed for a period of forty-five (45) days.

                  3.6 NON-PAYMENT. A default by the Borrower under any one or
more obligations in any aggregate monetary amount in excess of $50,000 for more
than twenty (20) days after the due date.

                  3.7 BANKRUPTCY. Bankruptcy, insolvency, reorganization or
liquidation proceedings or other proceedings or relief under any bankruptcy law
or any law, or the issuance of any notice in relation to such event, for the
relief of debtors shall be instituted by or against the Borrower and if
instituted against Borrower are not dismissed within 45 days of initiation.

                  3.8 DELISTING. Delisting of the Common Stock from the OTC
Bulletin Board ("Bulletin Board") or such other principal exchange on which the
Common Stock is listed for trading; failure to comply with the requirements for
continued listing on the Bulletin Board for a period of three consecutive
trading days; or notification from the Bulletin Board or any Principal Market
that the Borrower is not in compliance with the conditions for such continued
listing on the Bulletin Board or other Principal Market.

                  3.9 STOP TRADE. An SEC or judicial stop trade order or
Principal Market trading suspension that lasts for five or more consecutive
trading days.

                  3.10 FAILURE TO DELIVER COMMON STOCK OR REPLACEMENT NOTE.
Borrower's failure to timely deliver Common Stock to the Holder pursuant to and
in the form required by this Note and Sections 7 and 11 of the Subscription
Agreement, or, if required, a replacement Note.

                  3.11 NON-REGISTRATION EVENT. The occurrence of a
Non-Registration Event as described in the Subscription Agreement.

                  3.12 REVERSE SPLITS. The Borrower effectuates a reverse split
of its Common Stock without the prior written consent of the Holder.

                  3.13 CROSS DEFAULT. A default by the Borrower of a material
term, covenant, warranty or undertaking of any other agreement to which the
Borrower and Holder are parties, or the occurrence of a material event of
default under any such other agreement which is not cured after any required
notice and/or cure period.

                                   ARTICLE IV

                                  MISCELLANEOUS

                  4.1 FAILURE OR INDULGENCE NOT WAIVER. No failure or delay on
the part of Holder hereof in the exercise of any power, right or privilege
hereunder shall operate as a waiver thereof, nor shall any single or partial
exercise of any such power, right or privilege preclude other or further
exercise thereof or of any other right, power or privilege. All rights and
remedies existing hereunder are cumulative to, and not exclusive of, any rights
or remedies otherwise available.

                  4.2 NOTICES. All notices, demands, requests, consents,
approvals, and other communications required or permitted hereunder shall be in
writing and, unless otherwise specified herein, shall be (i) personally served,
(ii) deposited in the mail, registered or certified, return receipt requested,
postage prepaid, (iii) delivered by reputable air courier service with charges
prepaid, or (iv) transmitted by hand delivery, telegram, or facsimile, addressed
as set forth below or to such other address as such party shall have specified
most recently by written notice. Any notice or other communication required or
permitted to be given hereunder shall be deemed effective (a) upon hand delivery
or delivery by facsimile, with accurate confirmation generated by the
transmitting facsimile machine, at the address or number designated below (if
delivered on a business day during normal business hours where such notice is to

                                       4

<PAGE>

be received), or the first business day following such delivery (if delivered
other than on a business day during normal business hours where such notice is
to be received) or (b) on the second business day following the date of mailing
by express courier service, fully prepaid, addressed to such address, or upon
actual receipt of such mailing, whichever shall first occur. The addresses for
such communications shall be: (i) if to the Borrower to: One Voice Technologies
Inc., 6333 Greenwich Drive, Suite 240, San Diego, CA 92122, telecopier number:
(858) 552-4474, with a copy by telecopier only to: Sichenzia, Ross, Friedman &
Ference LLP, 1065 Avenue of the Americas, New York, NY 10018, Attn: Gregory
Sichenzia, Esq., telecopier number: (212) 930-9725, and (ii) if to the Holder,
to the name, address and telecopy number set forth on the front page of this
Note, with a copy by telecopier only to Grushko & Mittman, P.C., 551 Fifth
Avenue, Suite 1601, New York, New York 10176, telecopier number: (212) 697-3575.

                  4.3 AMENDMENT PROVISION. The term "Note" and all reference
thereto, as used throughout this instrument, shall mean this instrument as
originally executed, or if later amended or supplemented, then as so amended or
supplemented.

                  4.4 ASSIGNABILITY. This Note shall be binding upon the
Borrower and its successors and assigns, and shall inure to the benefit of the
Holder and its successors and assigns.

                  4.5 COST OF COLLECTION. If default is made in the payment of
this Note, Borrower shall pay the Holder hereof reasonable costs of collection,
including reasonable attorneys' fees.

                  4.6 GOVERNING LAW. This Note shall be governed by and
construed in accordance with the laws of the State of New York. Any action
brought by either party against the other concerning the transactions
contemplated by this Agreement shall be brought only in the state courts of New
York or in the federal courts located in the state of New York. Both parties and
the individual signing this Agreement on behalf of the Borrower agree to submit
to the jurisdiction of such courts. The prevailing party shall be entitled to
recover from the other party its reasonable attorney's fees and costs. In the
event that any provision of this Note is invalid or unenforceable under any
applicable statute or rule of law, then such provision shall be deemed
inoperative to the extent that it may conflict therewith and shall be deemed
modified to conform with such statute or rule of law. Any such provision which
may prove invalid or unenforceable under any law shall not affect the validity
or unenforceability of any other provision of this Note. Nothing contained
herein shall be deemed or operate to preclude the Holder from bringing suit or
taking other legal action against the Borrower in any other jurisdiction to
collect on the Borrower's obligations to Holder, to realize on any collateral or
any other security for such obligations, or to enforce a judgment or other court
in favor of the Holder.

                  4.7 MAXIMUM PAYMENTS. Nothing contained herein shall be deemed
to establish or require the payment of a rate of interest or other charges in
excess of the maximum permitted by applicable law. In the event that the rate of
interest required to be paid or other charges hereunder exceed the maximum
permitted by such law, any payments in excess of such maximum shall be credited
against amounts owed by the Borrower to the Holder and thus refunded to the
Borrower.

                  4.8 CONSTRUCTION. Each party acknowledges that its legal
counsel participated in the preparation of this Note and, therefore, stipulates
that the rule of construction that ambiguities are to be resolved against the
drafting party shall not be applied in the interpretation of this Note to favor
any party against the other.

                  4.9 REDEMPTION. This Note may not be redeemed or called
without the consent of the Holder.

                  4.10 SHAREHOLDER STATUS. The Holder shall not have rights as a
shareholder of the Borrower with respect to unconverted portions of this Note.
However, the Holder will have the right of a shareholder of the Borrower with
respect to the Shares of Common Stock to be received after delivery by the
Holder of a Conversion Notice to the Borrower.

         IN WITNESS WHEREOF, Borrower has caused this Note to be signed in its
name by an authorized officer as of the 18th day of March, 2005.

                          ONE VOICE TECHNOLOGIES, INC.

                                                By: /s/ Dean Weber
                                                    ----------------------------
                                                        Name: Dean Weber
                                                        Title: President and CEO

WITNESS:

___________________________________

                                       5

<PAGE>

                              NOTICE OF CONVERSION
                              --------------------

(To be executed by the Registered Holder in order to convert the Note)

         The undersigned hereby elects to convert $_________ of the principal
and $_________ of the interest due on the Note issued by ONE VOICE TECHNOLOGIES,
INC. on March ____, 2005 into Shares of Common Stock of ONE VOICE TECHNOLOGIES,
INC. (the "Borrower") according to the conditions set forth in such Note, as of
the date written below.

Date of Conversion:_____________________________________________________________

Conversion Price:_______________________________________________________________

Shares To Be Delivered:_________________________________________________________

Signature:______________________________________________________________________

Print Name:_____________________________________________________________________

Address:________________________________________________________________________

   _____________________________________________________________________________

                                       6

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