Document:

EXHIBIT 4.9

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                 AMENDED AND RESTATED CONVERTIBLE LOAN AGREEMENT

                              dated August 7, 2001

                                 by and between

                         ARTESIA BANKING CORPORATION SA

                                       and

                          VASCO DATA SECURITY EUROPE NV

                                       and

                     VASCO DATA SECURITY INTERNATIONAL, Inc.

                                       and

                               MR. T. KENDALL HUNT

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Amended and Restated Convertible                 Page 2
Loan Agreement                                                                            Dated August 7, 2001
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                                               TABLE OF CONTENTS

<S>                                                                                                         <C>
Article 1: Definitions.......................................................................................5
Article 2: Interpretation....................................................................................8
Article 3: Amendment and Restatement.........................................................................9
Article 4: Convertible Loan.................................................................................10
   4.1      Principal Amount................................................................................10
   4.2      Maturity........................................................................................10
   4.3      Interest........................................................................................10
   4.4      Register........................................................................................11
Article 5: Payment of the Interest..........................................................................11
Article 6: Conversion.......................................................................................11
   6.1      Conversion of the Principal Amount..............................................................11
   6.2      Conversion Procedure............................................................................11
   6.3      Delivery of the Conversion Shares...............................................................11
   6.4      Nature of the Conversion Shares.................................................................12
   6.5      Adjustment......................................................................................12
   6.6      General Provisions in Respect of Conversion.....................................................12
Article 7: Repayment of the Principal Amount................................................................13
   7.1      Repayment on the Maturity Date..................................................................13
   7.2      Early Repayment prior to the Maturity Date......................................................13
   7.3      Early Repayment Procedure.......................................................................13
   7.4      Early Repayment Fee.............................................................................14
Article 8: Representations, Warranties and Indemnification by VDSE and Vasco................................14
   8.1      Representations and Warranties..................................................................14
   8.2      Indemnification.................................................................................16
Article 9: Default..........................................................................................16
   9.1      Events of Default...............................................................................16
   9.2      Default Remedies................................................................................18
Article 10: Pledge..........................................................................................18
Article 11: Payments........................................................................................19
Article 12: Confidentiality.................................................................................19

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Loan Agreement                                                                            Dated August 7, 2001
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<S>                                                                                                        <C>
Article 13: Miscellaneous...................................................................................19
   13.1     Expenses........................................................................................19
   13.2     Notices.........................................................................................20
   13.3     Governing Law and Jurisdiction..................................................................20
   13.4     Entire Agreement................................................................................20
   13.5     Invalidity......................................................................................20
   13.6     Amendments......................................................................................20
   13.7     Assignment......................................................................................21
   13.8     Counterparts....................................................................................21
Schedule A: Adjustment......................................................................................23

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Amended and Restated Convertible           Page 4
Loan Agreement                                             Dated August 7, 2001
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                 AMENDED AND RESTATED CONVERTIBLE LOAN AGREEMENT
                 -----------------------------------------------

         This Amended and Restated Convertible Loan Agreement (the "Agreement")
is made this 7th day of August, 2001.

BY AND BETWEEN:

(1)      ARTESIA BANKING CORPORATION SA, a company incorporated under the laws
         of the Kingdom of Belgium, with registered office at Boulevard du Roi
         Albert II 30, Box 2, 1000 Brussels, Belgium; hereinafter referred to as
         "Artesia";

(2)      VASCO DATA SECURITY EUROPE NV, a company incorporated under the laws of
         the Kingdom of Belgium, with registered office at Koningin Astridlaan
         164, 1780 Wemmel, Belgium; hereinafter referred to as "VDSE";

(3)      VASCO DATA SECURITY INTERNATIONAL, INC., a company incorporated under
         the laws of Delaware, United States of America, with registered office
         at 1901 South Meyers Road, Suite 210, Oakbrook Terrace, Illinois 60181,
         Illinois, United States of America; hereinafter referred to as "Vasco";
         and

(4)      MR. T. KENDALL HUNT, of American nationality, residing at 11735
         Briarwood Court, Burr Ridge, Illinois 60525, United States of America;
         hereinafter referred to as the "Pledgor."

WHEREAS:

(A)      On August 4, 1997, Banque Paribas Belgique SA ("Paribas") (the legal
         predecessor of Artesia), VDSE, Vasco Corporation ("Vasco Corporation")
         (the legal predecessor of Vasco), and the Pledgor entered into a
         Convertible Loan Agreement (the "Convertible Loan Agreement"), pursuant
         to which Banque Paribas Belgique SA subscribed to a convertible loan
         issued by VDSE.

(B)      In connection with the Convertible Loan Agreement, on July 15, 1997,
         Paribas and the Pledgor entered into a Pledge Agreement (the "Pledge
         Agreement"), pursuant to which the Pledgor granted a pledge on his
         shares in Vasco Corporation for the benefit of Paribas as a security
         for the prompt and complete payment of all amounts due and payable by
         VDSE under the Convertible Loan Agreement to Paribas.

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Amended and Restated Convertible           Page 5
Loan Agreement                                             Dated August 7, 2001
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(C)      On March 11, 1998, Paribas, Vasco and Vasco Corporation entered into a
         New Vasco Convertible Note Agreement (the "New Vasco Convertible Note
         Agreement"), amending certain terms of the Convertible Loan Agreement.

(D)      The parties hereto wish to amend certain terms of the Convertible Loan
         Agreement (as amended) and the Pledge Agreement, pursuant to the terms
         and conditions set forth herein.

IT HAS BEEN AGREED AS FOLLOWS:

ARTICLE 1: DEFINITIONS
----------------------

         In this Agreement (including the above Recitals), unless the context
         otherwise requires, the following capitalized terms and expressions
         shall have the following meaning:

         "Agreement"....................shall mean this Amended and Restated
                                        Convertible Loan Agreement

         "Affiliate"....................when used in connection with a Person
                                        shall mean any and all other Persons
                                        that, directly or indirectly, control or
                                        are controlled by, or are under common
                                        control with, such Person, as the case
                                        may be in accordance with Articles 5 to
                                        14 of the Belgian Company Law Act

         "Artesia"......................shall mean Artesia Banking Corporation
                                        SA, as set forth under the list of
                                        parties hereto

         "Business Day".................shall mean any calendar day during which
                                        banks are open for business in Brussels
                                        (Belgium), as well as New York (United
                                        States of America), excluding Saturdays
                                        and Sundays

         "Conversion Date"..............shall have the meaning as defined in
                                        Article 6.2

         "Conversion Notice"............shall have the meaning as defined in
                                        Article 6.2

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Amended and Restated Convertible           Page 6
Loan Agreement                                             Dated August 7, 2001
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         "Conversion Price".............shall have the meaning as defined in
                                        Article 6.1

         "Conversion Share".............shall have the meaning as defined in
                                        Article 6.1

         "Conversion"...................shall have the meaning as defined in
                                        Article 6.1

         "Convertible Loan Agreement"...shall have the meaning as defined in
                                        Recital A, including any and all
                                        amendments thereto

         "Convertible Loan".............shall have the meaning as defined in
                                        Article 4.1

         "Delivery Date"................shall have the meaning as defined in
                                        Article 6.3

         "Early Repayment Date".........shall have the meaning as defined in
                                        Article 7.3

         "Early Repayment Fee"..........shall have the meaning as defined in
                                        Article 7.4

         "Early Repayment Notice".......shall have the meaning as defined in
                                        Article 7.3

         "Early Repayment"..............shall have the meaning as defined in
                                        Article 7.2

         "Event of Default".............shall have the meaning as defined in
                                        Article 9.1

         "Interest".....................shall have the meaning as defined in
                                        Article 4.3

         "Maturity Date"................shall have the meaning as defined in
                                        Article 4.2

         "New Vasco Convertible Note
          Agreement"....................shall have the meaning as defined in
                                        Recital B, including any and all
                                        amendments thereto

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Amended and Restated Convertible           Page 7
Loan Agreement                                             Dated August 7, 2001
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         "Paribas"..................... shall have the meaning as defined in
                                        Recital A

         "Person".......................shall mean any individual, legal entity
                                        with separate legal personality,
                                        partnership, joint venture, corporation,
                                        limited liability company, trust,
                                        unincorporated organization, government
                                        or department or agency of a government
                                        or other entity

         "Pledge Agreement".............shall have the meaning as defined in
                                        Recital B, including any and all
                                        amendments thereto

         "Pledgor"......................shall mean Mr. T. Kendall Hunt, as set
                                        forth under the list of parties hereto

         "Principal Amount".............shall have the meaning as defined in
                                        Article 4.1

         "Recital"......................shall mean the recitals to this
                                        Agreement

         "Refinancing Date".............shall have the meaning as defined in
                                        Article 3.1

         "Refinancing Fee"..............shall have the meaning as defined in
                                        Article 3.2

         "Repayment"....................shall have the meaning as defined in
                                        Article 7.1

         "Schedule".....................shall mean any and all schedules to this
                                        Agreement

         "Subscription Date"............shall have the meaning as defined in
                                        Article 4.1

         "Subsidiary"...................when used in connection with a Person
                                        shall mean any and all other Persons
                                        that, directly or indirectly, are
                                        controlled by, or are under common
                                        control with, such Person, as the case
                                        may be in accordance with Articles 5 to
                                        14 of the Belgian Company Law Act

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Amended and Restated Convertible           Page 8
Loan Agreement                                             Dated August 7, 2001
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         "Term".........................shall have the meaning as defined in
                                        Article 4.2

         "Vasco Corporation"............shall have the meaning as defined in
                                        Recital A

         "Vasco Group"..................shall mean Vasco and any and all
                                        Subsidiaries of Vasco

         "Vasco"........................shall mean Vasco Data Security
                                        International, Inc., as set forth under
                                        the list of parties hereto

         "VDSE".........................shall mean Vasco Data Security Europe
                                        NV, as set forth under the list of
                                        parties hereto

ARTICLE 2: INTERPRETATION
-------------------------

2.1      Headings and sub-headings used in this Agreement are for convenience
         only and shall not affect the construction or interpretation of this
         Agreement.

2.2      References to Schedules and to parts of Schedules are to the Schedules
         and to parts of the Schedules to this Agreement; references to the
         Recitals are to the Recitals to this Agreement; references to Articles
         are to Articles in this Agreement and, unless otherwise specified,
         references to Sub-articles are to Sub-articles of the Article in which
         such references appear.

2.3      Unless the context does not so admit, reference to any individual or
         individuals shall include his or their respective executors and
         personal representatives whomsoever.

2.4      Unless the context does not so admit, reference to the singular
         includes a reference to the plural and vice versa, and reference to the
         masculine includes a reference to the feminine and neuter and vice
         versa.

2.5      This Agreement includes each of the Schedules incorporated herein and
         will be deemed to have effect as if the provisions of such Schedules
         were fully set out herein.

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Amended and Restated Convertible           Page 9
Loan Agreement                                             Dated August 7, 2001
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ARTICLE 3: AMENDMENT AND RESTATEMENT
------------------------------------

3.1      Subject to the effective payment of the Refinancing Fee in accordance
         with Article 3.2 below, with effect as of the date of this Agreement
         (the "Refinancing Date"), and except as expressly indicated otherwise
         herein, the parties hereby expressly agree and acknowledge:

         (a)      without prejudice to (b) and (c) below, to amend the
                  Convertible Loan Agreement and the New Vasco Convertible Note,
                  and to replace and/or restate the latter agreements with the
                  terms and conditions set forth herein; and

         (b)      that the present Agreement is without prejudice to sections 2,
                  3 and 4 of the New Vasco Convertible Note Agreement, which are
                  the only clauses of that agreement that remain in force, and
                  the Pledge Agreement; and

         (c)      that the present Agreement is without prejudice to any payment
                  made by VDSE and Vasco (and their respective legal
                  predecessors, where applicable) to Artesia (and its legal
                  predecessors, where applicable) by virtue of the Convertible
                  Loan Agreement, the New Vasco Convertible Note Agreement, and
                  the Pledge Agreement, which payments shall remain duly
                  acquired by Artesia (and its legal predecessors, where
                  applicable) in accordance with the terms pursuant to which
                  such payments were made; and

         (d)      in general, does not affect any of the acquired rights of the
                  parties that accrued and arose prior to the Refinancing Date.

3.2      In consideration of the foregoing, VDSE and Vasco hereby jointly and
         severally agree to pay to Artesia a refinancing fee (the "Refinancing
         Fee") equal to 32,725 US$ [i.e. equal to an interest on the Principal
         Amount (as defined below) at a rate of 2.75 per annum to be calculated
         as from April 1, 2001, up to the Refinancing Date and based on a year
         of 360 days].

         The Refinancing Fee is due and payable to Artesia on the Refinancing
         Date, by means of a wire transfer to account number referred to in
         Article 11, with the Refinancing Date as value date of the payment.

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Amended and Restated Convertible           Page 10
Loan Agreement                                             Dated August 7, 2001
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ARTICLE 4: CONVERTIBLE LOAN
---------------------------

4.1      Principal Amount
         ----------------

         VDSE issued, and Artesia (via its legal predecessor Paribas) fully
         subscribed to, a convertible loan (the "Convertible Loan") for a
         principal amount of US$3,400,000 (the "Principal Amount") on August 20,
         1997 (the "Subscription Date") in accordance with Article 3.1 of the
         Convertible Loan Agreement.

4.2      Maturity
         --------

         The Convertible Loan has a term (the "Term") starting on the relevant
         Subscription Date and ending at the earlier of (i) September 30, 2003
         (the "Maturity Date"), (ii) the Delivery Date in the event of
         Conversion (as defined below), and (iii) the Early Repayment Date in
         the event of Early Repayment (as defined below).

4.3      Interest
         --------

         In consideration of the subscription to the Convertible Loan, an
         interest (the "Interest") at a rate of 6.00% per annum, starting on the
         Refinancing Date is due on the Principal Amount of the Convertible
         Loan.

         The parties hereby agree and acknowledge for the avoidance of doubt
         that the Interest applicable to the Principal Amount for the period
         starting on October 1, 2000 up to and including the calendar date
         immediately preceding the Refinancing Date is at a rate of 3.25% per
         annum, and that the Interest for periods as of and after the
         Refinancing Date is at a rate of 6.00%.

         For the purpose of this Agreement, the Interest due and payable during
         a certain period that is less than one year, shall be calculated on the
         basis of the actual number of days elapsed during such period, which
         for the avoidance of doubt includes the first and the last calendar day
         of such period, and a year of 360 days.

         The parties hereby agree and acknowledge that the present Agreement is
         without prejudice to the interest paid to Artesia and Paribas prior to
         the Refinancing Date.

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Amended and Restated Convertible           Page 11
Loan Agreement                                             Dated August 7, 2001
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4.4      Register
         --------

         [VDSE shall hold a register of bondholders at its offices. VDSE will
         issue on first demand of Artesia certificates evidencing the
         Convertible Loan, and authorizes Artesia to ensure the materiality of
         these certificates.]

ARTICLE 5: PAYMENT OF THE INTEREST
----------------------------------

         The Interest accrued on the Principal Amount during the period up to
         (and including) September 30 of each calendar year shall be due and
         payable on September 30 of such calendar year, and for the first time
         on September 30, 2001, and for the last time at the earlier of (i) the
         Maturity Date, (ii) the Delivery Date in the event of Conversion (as
         defined below), and (iii) the Early Repayment Date in the event of
         Early Repayment (as defined below).

ARTICLE 6: CONVERSION
---------------------

6.1      Conversion of the Principal Amount
         ----------------------------------

         At any time during the Term, the Principal Amount of the Convertible
         Loan can be converted by Artesia in accordance with the terms of this
         Agreement into shares of common stock of Vasco (each such share a
         "Conversion Shares") at a conversion rate (the "Conversion Price") of
         US$7.50 per Conversion Share (such conversion a "Conversion").

6.2      Conversion Procedure
         --------------------

         If Artesia wishes to exercise its right to Conversion, it shall send a
         written notice (the "Conversion Notice") to VDSE by registered letter,
         with copy by ordinary mail or fax to Vasco, no later than the Maturity
         Date, indicating that it exercises its right to Conversion. The date of
         the post mark of the registered letter to VDSE shall be deemed (i) the
         date of delivery of the Conversion Notice to Vasco and VDSE, and (ii)
         the date of Conversion (the "Conversion Date").

6.3      Delivery of the Conversion Shares
         ---------------------------------

         Upon Conversion, VDSE and Vasco are jointly and severally liable to
         issue and deliver the Conversion Shares in book-entry form to Artesia,
         or such other Person as will be indicated in the Conversion Notice,
         within a term of ten (10)

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Amended and Restated Convertible           Page 12
Loan Agreement                                             Dated August 7, 2001
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         Business Days as of (and including) the Conversion Date (the "Delivery
         Date").

         The Conversion Notice shall contain the account number(s) into which
         the Conversion Shares must be delivered to Artesia.

6.4      Nature of the Conversion Shares
         -------------------------------

         Each of VDSE and Vasco, at its own expense, shall take all necessary
         steps and shall comply with all necessary formalities under applicable
         securities laws and regulations, including, but not limited to, the
         filing of the necessary applications, registration statements and/or
         other forms as from time to time may be required by applicable stock
         exchange regulations and applicable federal and state securities laws
         and regulations of the United States of America and Belgium in order to
         allow that upon Conversion and thereafter the Conversion Shares will be
         (i) admitted to listing and trading on Nasdaq Europe, Nasdaq and any
         other stock market or securities exchange on which the shares of common
         stock of Vasco may then be traded or listed, and (ii) freely
         transferable and tradable by Artesia without any (time, volume or
         other) restriction, holding period or other transfer formality to be
         complied with by Artesia (or the transferee of such Conversion upon
         transfer of the Conversion Shares to it by Artesia) via Nasdaq Europe,
         Nasdaq and any other stock market or securities exchange on which the
         shares of common stock of Vasco may then be traded or listed or
         otherwise. No holder of the Conversion Shares will be subject to
         personal liability by reason of being such a holder; and the issuance
         of the Conversion Shares is not subject to the preemptive of other
         similar rights of any securityholder of Vasco.

6.5      Adjustment
         ----------

         The parties hereby agree and acknowledge that the terms of this
         Agreement shall be automatically amended from time to time to provide
         that the Conversion Price per Conversion Share, the number of
         Conversion Shares into which the Convertible Loan can be converted, and
         the nature of the Conversion Shares shall be adjusted from time to time
         as provided in Schedule A.

6.6      General Provisions in Respect of Conversion
         -------------------------------------------

         (a)      The Conversion and delivery of Conversion Shares to Artesia
                  pursuant to the terms of this Agreement shall be deemed a full
                  repayment by VDSE and Vasco to Artesia of the Principal Amount
                  of the Convertible Loan.

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Amended and Restated Convertible           Page 13
Loan Agreement                                             Dated August 7, 2001
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         (b)      The Principal Amount of the Convertible Loan must be converted
                  in its entirety. Fractions of the Principal Amount cannot be
                  converted.

         (c)      The Principal Amount cannot be converted into fractions of
                  Conversion Shares. If pursuant to the terms of this Agreement
                  upon Conversion fractions of Conversion Shares were to be
                  issued (save for the present section (c) of this Article 6.6),
                  the number of Conversion Shares to be issued and delivered
                  shall be rounded to the nearest highest number of entire
                  Conversion Shares.

ARTICLE 7: REPAYMENT OF THE PRINCIPAL AMOUNT
--------------------------------------------

7.1      Repayment on the Maturity Date
         ------------------------------

         VDSE and Vasco hereby unconditionally and irrevocably agree to repay
         the entire Principal Amount of the Convertible Loan to Artesia in one
         single installment on the Maturity Date (such repayment the
         "Repayment").

7.2      Early Repayment prior to the Maturity Date
         ------------------------------------------

         Notwithstanding the provisions of Article 7.1, VDSE and Vasco are
         entitled to repay the entire Principal Amount of the Convertible Loan
         at any time after December 31, 2001, but before the Maturity Date (such
         early repayment the "Early Repayment"), subject however to the
         provisions set forth below in Articles 7.3 and 7.4.

7.3      Early Repayment Procedure
         -------------------------

         In the event VDSE and Vasco wish to exercise their right to Early
         Repayment, VDSE or Vasco must give a prior written notice to Artesia
         (the "Early Repayment Notice"). Upon receipt of the Early Repayment
         Notice, Artesia shall have a term of ten (10) Business Days (excluding
         the date of receipt of the Early Repayment Notice by Artesia) to
         exercise its right to Conversion in accordance with Article 6 by
         sending the Conversion Notice within such term.

         If the Conversion Notice is not sent within the aforementioned term,
         VDSE and Vasco shall have a term of thirty (30) calendar days as of
         (but excluding) the last day of former term (but no later than the
         Maturity Date) to repay the Principal Amount in cash. The date of
         repayment of the Principal Amount in cash to Artesia shall for the
         purpose of this Agreement be referred to as the "Early Repayment Date."

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Amended and Restated Convertible           Page 14
Loan Agreement                                             Dated August 7, 2001
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7.4      Early Repayment Fee
         -------------------

         In consideration of the right to an Early Repayment, VDSE and Vasco
         hereby unconditionally, and jointly and severally, agree and
         acknowledge to pay to Artesia upon Early Repayment a fee equal to
         US$102,000 (the "Early Repayment Fee"). The Early Repayment Fee shall
         be due and payable to Artesia no later than the Early Repayment Date.

ARTICLE 8: REPRESENTATIONS, WARRANTIES AND INDEMNIFICATION BY VDSE AND VASCO
----------------------------------------------------------------------------

8.1      Representations and Warranties
         ------------------------------

         Each of VDSE and Vasco hereby jointly and severally represents and
         warrants to Artesia that each of the statements contained in this
         Article 8 is true, correct and complete as of the Refinancing Date
         until the earlier of (i) the Maturity Date, (ii) the Delivery Date in
         the event of Conversion, and (iii) the Early Repayment Date in the
         event of Early Repayment:

         (a)      Each of VDSE and Vasco is a company duly incorporated,
                  registered and validly existing under the laws of its
                  jurisdiction of incorporation and none is in bankruptcy,
                  liquidation or receivership (and no order or resolution
                  therefor has been presented and no notice of appointment of
                  any liquidator, receiver, administrative receiver or
                  administrator has been given, or to the best knowledge of each
                  of VDSE or Vasco is threatened).

         (b)      Each of VDSE and Vasco has full legal power and authority,
                  without the consent of any other Person to assume and perform
                  any and all obligations to be assumed and performed under this
                  Agreement by it and no further legal action on the part of any
                  of VDSE and Vasco is necessary to authorize this Agreement and
                  the performance of the transactions contemplated hereby.

                  The execution and delivery of this Agreement has been fully
                  authorized by each of VDSE and Vasco and is enforceable
                  against it in accordance with its terms.

                  This Agreement constitutes a valid and legally binding
                  obligation of each of VDSE and Vasco.

         (c)      The execution and delivery by each of VDSE and Vasco of, and
                  the performance by each of VDSE and Vasco of its obligations
                  under, this

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Amended and Restated Convertible           Page 15
Loan Agreement                                             Dated August 7, 2001
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                  Agreement and the consummation of the transactions
                  contemplated herein will not contravene (i) any provision of
                  applicable law, (ii) the certificate of incorporation and/or
                  by-laws of each of VDSE and Vasco, (iii) any agreement or
                  other instrument binding upon Vasco Group that is material to
                  Vasco Group, taken as a whole, except such as would not singly
                  or in the aggregate have a material adverse effect, or (iv)
                  any judgment, order or decree of any governmental body, agency
                  or court having jurisdiction over Vasco Group, and (v) no
                  consent, approval, authorization or order of, or qualification
                  with, any governmental body or agency is required for the
                  performance by each of VDSE and Vasco of its obligations under
                  this Agreement, and no consent, approval, authorization,
                  order, registration, clearance or qualification of or with any
                  such court or governmental agency or body, or any stock
                  exchange authority having jurisdiction over each of VDSE and
                  Vasco is required for the issuance and delivery of the
                  Conversion Shares pursuant to this Agreement to Artesia, the
                  performance by each of VDSE and Vasco of its obligations under
                  this Agreement, and the consummation of the transactions
                  herein contemplated.

         (d)      No claim, investigation, lawsuit, arbitration, administrative
                  proceeding, government investigation or inquiry or similar is
                  existing, nor pending or threatened against or notified,
                  involving Vasco Group, before any judicial or administrative
                  court, arbitral tribunal or any official authority which if
                  adversely determined would have an adverse effect on the
                  assets, businesses or financial conditions of Vasco Group, nor
                  are there to the best knowledge of each of VDSE and Vasco
                  circumstances which would give rise to such claims, law suits,
                  proceedings, investigations or inquiries.

         (e)      The Conversion Shares to be issued and delivered to Artesia
                  upon Conversion have been duly authorized for issuance and
                  delivery to Artesia pursuant to this Agreement and, when
                  issued and delivered by VDSE or Vasco pursuant to this
                  Agreement upon Conversion, will be validly issued and fully
                  paid and non-assessable, and free and clear from any lien and
                  encumbrance. Each of VDSE and Vasco, at its own expense, shall
                  have taken all necessary steps and shall have complied with
                  all necessary formalities under applicable securities laws and
                  regulations, including, but not limited to, the filing of the
                  necessary applications, registration statements and/or other
                  forms as from time to time may be required by applicable stock
                  exchange regulations and applicable federal and state
                  securities laws and regulations of the United States of
                  America and Belgium, in order to allow that upon Conversion
                  and thereafter the Conversion Shares will be (i) admitted to
                  listing and

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Amended and Restated Convertible           Page 16
Loan Agreement                                             Dated August 7, 2001
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                  trading on Nasdaq Europe, Nasdaq and any other stock market or
                  securities exchange on which the shares of common stock of
                  Vasco may then be traded or listed, and (ii) freely
                  transferable and tradable by Artesia without any (time, volume
                  or other) restriction, holding period or other transfer
                  formality to be complied with by Artesia (or the transferee of
                  such Conversion upon transfer of the Conversion Shares to it
                  by Artesia) via Nasdaq Europe, Nasdaq and any other stock
                  market or securities exchange on which the shares of common
                  stock of Vasco may then be traded or listed or otherwise. No
                  holder of the Conversion Shares will be subject to personal
                  liability by reason of being such a holder; and the issuance
                  of the Conversion Shares is not subject to the preemptive of
                  other similar rights of any securityholder of Vasco.

8.2      Indemnification
         ---------------

         VDSE and Vasco shall be jointly and severally liable to indemnify and
         hold harmless Artesia, its Affiliates, and their respective directors,
         officers, employees and agents from and against all damages incurred by
         any of them arising from any claim, lawsuit or other action arising
         from or relating to any misrepresentation, inaccuracy or breach by any
         of VDSE and Vasco of any representation or warranty in Article 8.1.

ARTICLE 9: DEFAULT
------------------

9.1      Events of Default
         -----------------

         Each of the following events shall constitute an event of default under
         this Agreement (each event an "Event of Default"):

         (a)      VDSE and Vasco fail to pay any amount payable hereunder as and
                  when such amount becomes payable pursuant to this Agreement
                  and such unpaid amounts remain unpaid for 10 calendar days
                  after the respective due date;

         (b)      VDSE and Vasco commit any breach of or default in the due
                  performance or observance of any of their respective
                  obligations or undertakings contained in this Agreement other
                  than those referred to in Article 9.1 (a), and such breach or
                  default is not remedied on or before the 10th day after it
                  occurs (or before any later date determined in good faith by
                  Artesia which reasonably allows VDSE and Vasco a longer term
                  to remedy the default);

--------------------------------------------------------------------------------
<PAGE>

Amended and Restated Convertible           Page 17
Loan Agreement                                             Dated August 7, 2001
--------------------------------------------------------------------------------

         (c)      any representation, warranty or statement made or deemed made
                  by VDSE or Vasco in this Agreement or any other document
                  delivered in connection with this Agreement proves to have
                  been incorrect, incomplete or misleading in any material
                  aspects as of the date on which it was made;

         (d)      any other indebtedness of Vasco Group in respect of a sum in
                  excess of (euro)250,000 or the equivalent in any other
                  currency is not paid when due for payment, after application
                  of the applicable grace periods, except for non-payments as to
                  which its creditor has consented or has waived the payment;

         (e)      any mortgage, charge, pledge, lien, hypothecation, title
                  retention, right in rem or any other security interest of
                  Vasco Group (being material to the undertaking or assets of
                  Vasco Group) becomes enforceable in respect of a sum in excess
                  of (euro)250,000 or the equivalent in any other currency and
                  the person or persons entitled to benefit thereof shall
                  initiate legal collection to enforce the same;

         (f)      all or any substantial part of the property of Vasco Group
                  shall be condemned, seized or otherwise appropriated in a
                  manner which Artesia reasonably considers may have a material
                  adverse effect on the business of Vasco Group, or Vasco Group
                  shall be prevented from exercising normal managerial control
                  over any substantial part of its property by any Person in a
                  manner which Artesia considers may have a material adverse
                  effect on the business of Vasco Group;

         (g)      there shall have occurred the liquidation or bankruptcy of
                  VDSE or Vasco or any order is made or resolution, tax or
                  regulation passed or other action taken for or with a view to
                  the dissolution, termination, liquidation or bankruptcy of
                  VDSE or Vasco (other than for the purposes of and followed by
                  an amalgamation or reconstruction the terms of which have been
                  approved in writing by Artesia);

         (h)      any court, tribunal or other authority makes an order for the
                  appointment of any administrator, receiver, liquidator,
                  curator, sequester, trustee or other similar officer of Vasco
                  Group or of all or any material part of the assets of Vasco
                  Group;

         (i)      Vasco Group stops payment generally or ceases or threatens to
                  cease to carry on its business or admits in writing its
                  inability to pay its debts as they fall due or makes a general
                  assignment for the benefit of creditors or enters into a
                  general arrangement or composition with or for the

--------------------------------------------------------------------------------

<PAGE>
Amended and Restated Convertible           Page 18
Loan Agreement                                             Dated August 7, 2001
--------------------------------------------------------------------------------

                  benefit of creditors or a general moratorium (however declared
                  or promulgated) is imposed or threatened on the payment of
                  indebtedness of Vasco Group;

         (j)      all or any material part of the assets of Vasco Group are
                  attached, levied or seized or become subject to any order of
                  court or other process and such attachment, levy, seizing,
                  order or process remains in effect and is not discharged
                  during a term of 60 days;

         (k)      this Agreement or any of the provisions hereof, with material
                  effect to the liabilities of Vasco Group, shall at any time
                  for any reason cease to be in full force and effect, be
                  declared to be void or shall be repudiated or the validity or
                  enforceability hereof or thereof shall at any time be
                  contested by Vasco Group, or Vasco Group shall deny that it
                  has any or any further liability or obligation under this
                  Agreement;

         (l)      the Pledgor does not fulfill his obligations under the Pledge
                  Agreement, as amended.

9.2      Default Remedies
         ----------------

         Artesia may at any time after the occurrence of the Event of Default
         that is not remedied as set forth under Article 9.1, by notice in
         writing to VDSE, with copy to Vasco, declare that the Principal Amount
         of the Convertible Loan and the Interest accrued thereon and all other
         sums payable pursuant to this Agreement, if any, have become
         immediately due and payable whereupon the same shall become immediately
         due and payable.

         If any amount that has fallen due and payable in accordance with the
         foregoing is not paid at the due date, Artesia shall be entitled to
         liquidated damages in the form of an additional interest on the
         outstanding amounts at a rate equal to the rate of the Interest
         increased with 0.5 % per annum, to be calculated as from (and
         including) the date the amount concerned is due up to and including the
         date of payment of the due amount and a year of 360 days.

         The above shall be without prejudice to any other remedy available to
         Artesia under this Agreement or the applicable law.

ARTICLE 10: PLEDGE
------------------

         The parties hereby agree and acknowledge that the pledge of shares
         granted by the Pledgor to Artesia by virtue of the Pledge Agreement
         shall be deemed to be

--------------------------------------------------------------------------------
<PAGE>

Amended and Restated Convertible           Page 19
Loan Agreement                                             Dated August 7, 2001
--------------------------------------------------------------------------------

         amended so as to serve as a security for the prompt and complete
         payment when due of all amounts payable by VDSE and/or Vasco under this
         Agreement.

ARTICLE 11: PAYMENTS
--------------------

         Save as expressly indicated otherwise herein, all payments by Vasco and
         VDSE under this Agreement shall be made in U.S. Dollars or US$ on the
         date that payment is due to Artesia by deposit to account number
         8900044551 at Bank of New York, New York, United States of America,
         favor of Artesia Banking Corporation PC 8243, number 23057, or to such
         other account as Artesia may have last designated by written notice to
         VDSE and Vasco.

ARTICLE 12: CONFIDENTIALITY
---------------------------

         Each of the parties shall keep the existence and subject matter of this
         Agreement strictly confidential, unless a disclosure thereof is
         required by applicable law or regulations, including any applicable
         securities regulations, or unless such disclosure is required for the
         purpose of enforcing or protecting a party's rights hereunder. In the
         event of a disclosure required by law or a competent court of law, the
         parties shall consult each other as to the manner, form and content of
         the disclosure.

ARTICLE 13: MISCELLANEOUS
-------------------------

13.1     Expenses
         --------

         All legal expenses associated with the preparation, negotiation and
         implementation of the present Agreement will be borne for 50% by VDSE
         and Vasco, and for 50% by Artesia, being understood that the part borne
         by VDSE and Vasco will be maximum (euro) 2,500.

         The costs in relation to the issuance, and/or registration or similar
         formality under applicable securities laws and regulations, of the
         Conversion Shares and/or the Conversion of the Convertible Loan will be
         borne exclusively by VDSE and Vasco.

--------------------------------------------------------------------------------

<PAGE>

Amended and Restated Convertible           Page 20
Loan Agreement                                             Dated August 7, 2001
--------------------------------------------------------------------------------

13.2     Notices
         -------

         Unless expressly indicated otherwise herein, all notices to either
         party shall be in writing and shall be delivered personally against
         written confirmation or receipt or sent by facsimile with confirmation
         page addressed to the other party at its registered office (or where
         applicable, address of domicile) set forth in this Agreement or to any
         other address such party shall from time to time have notified to the
         other in accordance with the present Article 13.2. Unless expressly
         indicated otherwise herein, any notice delivered by fax shall be deemed
         received at the moment mentioned in the written confirmation of
         receipt. Unless expressly indicated otherwise herein, any notice
         delivered by registered mail shall be deemed (in the absence of
         evidence of earlier receipt) to be received five (5) days after
         posting.

13.3     Governing Law and Jurisdiction
         ------------------------------

         This Agreement shall be governed by the laws of the Kingdom of Belgium.
         Any and all disputes in connection with the conclusion, validity,
         interpretation or performance of this Agreement shall be subject to the
         exclusive jurisdiction of the Courts of Brussels, Belgium, without
         prejudice to the right of Artesia to initiate legal proceedings before
         any other competent court of any other competent jurisdiction.

13.4     Entire Agreement
         ----------------

         Save as expressly indicated otherwise herein, this Agreement
         constitutes the entire understanding of the parties hereto and
         supersedes any prior agreements or understandings, written or oral,
         between the parties with respect to the subject matter of this
         Agreement.

13.5     Invalidity
         ----------

         If any provisions of this Agreement are held to be invalid or illegal
         in whole or in part, this Agreement shall continue to be valid as to
         its other provisions and to the remainder of the affected provision.
         The parties undertake to replace the invalid provision by a provision
         having the same effects and objectives.

13.6     Amendments
         ----------

         Any amendment to this Agreement or modification of the obligations of a
         party has to be agreed upon in writing by all parties.

--------------------------------------------------------------------------------
<PAGE>

Amended and Restated Convertible           Page 21
Loan Agreement                                             Dated August 7, 2001
--------------------------------------------------------------------------------

13.7     Assignment
         ----------

         This Agreement shall be binding upon and shall inure to the benefit of
         the parties hereto and their respective successors, provided, however,
         that none of VDSE, Vasco and the Pledgor shall assign this Agreement or
         its rights or obligations hereunder, without the prior written consent
         of Artesia.

         Artesia shall be free to assign and transfer any of its rights
         hereunder to a third party without approval by the other parties.

13.8     Counterparts
         ------------

         This Agreement may be executed in any number of counterparts, and by
         the parties hereto on separate counterparts, but shall not be effective
         until each party hereto has executed at least one counterpart. Each
         counterpart shall constitute an original of this Agreement, but all the
         counterparts together constitute but one and the same instrument.

            - The remainder of this page has been left intentionally blank -

--------------------------------------------------------------------------------

<PAGE>

Amended and Restated Convertible           Page 22
Loan Agreement                                             Dated August 7, 2001
--------------------------------------------------------------------------------

         IN WITNESS WHEREOF the parties hereto have signed, initialed and
executed this Agreement on the day and year first written above, and each party
acknowledges the receipt of one original.

                                         ARTESIA BANKING CORPORATION SA

                                         By:      ___________________________
                                                 Name: ......................
                                                 Title: .....................

                                         Vasco Data Security Europe NV

                                         By:      ___________________________
                                                 Name: ......................
                                                 Title: .....................

                                         Vasco Data Security International, Inc.

                                         By:      ___________________________
                                                 Name: ......................
                                                 Title: .....................

                                         MR. T. KENDALL HUNT

                                                    ___________________________

--------------------------------------------------------------------------------

<PAGE>

Amended and Restated Convertible           Page 23
Loan Agreement                                             Dated August 7, 2001
--------------------------------------------------------------------------------

                                   SCHEDULE A:
                                   -----------

                                   ADJUSTMENT
                                   ----------

         1. In case, prior to the expiration of the Term of this Agreement as a
result of Conversion or otherwise pursuant to the terms hereof, Vasco shall
issue any shares of Vasco common stock as a stock dividend or subdivide the
number of outstanding shares of Vasco common stock into a greater number of
shares, then in either of such cases, the then applicable Conversion Price per
Conversion Share of the shares of Vasco common stock convertible pursuant to
this Agreement in effect at the time of such action shall be proportionately
reduced and the number of Conversion Shares at that time convertible pursuant to
this Agreement shall be proportionately increased; and conversely, in the event
Vasco shall contract the number of outstanding shares of Vasco common stock by
combining such shares into a smaller number of shares, then, in such case, the
then applicable Conversion Price per Conversion Share of the shares of Vasco
common stock convertible pursuant to this Agreement in effect at the time of
such action shall be proportionately increased and the number of Conversion
Shares of Vasco common stock convertible pursuant to this Agreement shall be
proportionately decreased. If Vasco shall, at any time during the term of this
Agreement, declare a dividend payable in cash on the Vasco common stock and
shall, at substantially the same time, offer to its stockholders a right to
purchase new shares of Vasco common stock from the proceeds of such dividend or
for an amount substantially equal to the dividend, all Vasco common stock so
issued shall, for the purpose of this Agreement, be deemed to have been issued
as a stock dividend. Any dividend paid or distributed upon the Vasco common
stock shall be treated as a dividend paid in Vasco common stock to the extent
that shares of Vasco common stock are issuable upon Conversion thereof pursuant
to the terms of this Agreement.

         2. In case, prior to the expiration of the Term of this Agreement as a
result of Conversion or otherwise pursuant to the terms hereof, Vasco shall be
re-capitalized by reclassification of its outstanding Vasco common stock (other
than a change in par value to no par value), or Vasco or a successor corporation
shall consolidate or merge with or convey all or substantially all of its or of
any successor corporation's property and assets to any other corporation or
corporations (any such other corporations being included within the meaning of
the term "successor corporation" hereinbefore used in the event of any
consolidation or merger of any such other corporation with, or the sale of all
or substantially all of the property of any such other corporation to, another
corporation or corporations), then, as a condition of such re-capitalization,
consolidation, merger or conveyance, lawful and adequate provision shall be made
whereby Artesia shall thereafter have the right to acquire or convert into, in
lieu of the Conversion Shares of Vasco common stock theretofore convertible upon
the Conversion, such shares of stock, securities or assets of the other
corporation as to
--------------------------------------------------------------------------------

<PAGE>

Amended and Restated Convertible           Page 24
Loan Agreement                                             Dated August 7, 2001
--------------------------------------------------------------------------------

which Artesia would have been entitled had Conversion taken place immediately
prior to such re-capitalization, consolidation, merger or conveyance; and in any
such event, the rights of Artesia to any adjustment in the number of Conversion
Shares of Vasco common stock convertible upon, as hereinbefore provided, shall
continue and be preserved in respect of any stock which Artesia becomes entitled
to acquire or convert into.

         3. In case, prior to the expiration of the Term of this Agreement as a
result of Conversion or otherwise pursuant to the terms hereof, Vasco shall sell
all or substantially all of its property or dissolve, liquidate or wind up its
affairs, lawful provision shall be made as part of the terms of any such sale,
dissolution, liquidation or winding up, so that Artesia may thereafter receive
upon Conversion in lieu of each share of Vasco common stock which he would have
been entitled to receive, the same kind and amount of any securities or assets
as may be issuable, distributable or payable upon any such sale, dissolution,
liquidation or winding up with respect to each share of Vasco common stock;
provided, however, that in any case of any such sale or of dissolution,
liquidation or winding up, the right to Conversion shall terminate on a date
fixed by Vasco. Such date so fixed shall be no earlier than 3:00 p.m., New York
City time, on the forty-fifth (45th) day next succeeding the date on which
notice of such termination of the right to Conversion has been given by
registered mail to Artesia.

         4. In case, prior to the expiration of the Term of this Agreement as a
result of Conversion or otherwise pursuant to the terms hereof, Vasco shall
determine to take a record of its stockholders for the purpose of determining
stockholders entitled to receive any dividend, stock dividend, distribution or
other right whether or not it may cause any change or adjustment in the number,
amount, price or nature of the securities or assets deliverable upon Conversion
pursuant to the foregoing provisions, Vasco shall give at least ten (10) days'
prior written notice to the effect that it intends to take such record to
Artesia, said notice to specify the date as of which such record is to be taken,
the purpose for which such record is to be taken, and the effect which the
action which may be taken will have upon this Agreement.

                                      * * *

--------------------------------------------------------------------------------EXHIBIT 10.1

                     NON-COMPETE/NON-SOLICITATION AGREEMENT

      This NON-COMPETE AND NON-SOLICATION AGREEMENT (the "AGREEMENT") is made
and entered into this 27th day of July, 2001, by and between STRATUS SERVICES
GROUP, INC., a Delaware company ("Stratus"), and SOURCE ONE PERSONNEL, INC., a
New Jersey company ("Source One").

                                    RECITALS:

      WHEREAS, Source One and Stratus have executed an Asset Purchase Agreement
whereby Stratus has purchased the ongoing clerical and light industrial staffing
business of Source One (the "Acquired Business"); and

      WHEREAS, Source One possesses substantial information and knowledge
regarding the Acquired Business operations; and

      WHEREAS, Stratus and Source One desire to enter into an agreement whereby
Source One agrees not to compete with the Acquired Business

      NOW, THEREFORE, for consideration, the receipt and sufficiency of which is
hereby acknowledged, and other good and valuable consideration, the parties
hereto agree as follows:

CONFIDENTIALITY AND TRADE SECRETS

      Source One acknowledges that the manuals, methods, forms, techniques and
systems which it has sold to Stratus whether for its own use or for use by or
with its clients, are confidential trade secrets and are the property of
Stratus.

      Source One further acknowledges that it has had access to confidential
information concerning the Acquired Business' clients, including their business
affairs, special needs, preferred methods of doing business, methods of
operation, key contact personnel and other data, all of which provides Stratus
with a competitive advantage and none of which is readily available except to
Source One and employees of Stratus.

      Source One further acknowledges that it has had access to the names,
addresses, telephone numbers, qualifications, education, accomplishments,
experience, availability, resumes and other data regarding persons who have
applied or been recruited for temporary or permanent employment by the Acquired
Business, as well as job order specifications and the particular characteristics
and requirements of persons generally hired by a client, specific job listings,
mailing lists, computer runoffs, financial and other information, all of which
provides Stratus with a competitive advantage and none of which is readily
available except to Source One and employees of Stratus.

      Source One agrees that all of the foregoing information regarding the
Acquired Business' methods, clients and employees constitutes valuable and
proprietary trade secrets and confidential information of Stratus (hereafter
"Confidential Information").

<Page>

NON-COMPETITION AGREEMENT

      Source One agrees that it shall not, for a period of eighteen (18) months
from the date of the Asset Purchase Agreement either directly or indirectly, on
its own account or as agent, stockholder, employer, or otherwise in conjunction
with any other person or entity, engage in competition with the Acquired
Business, or act in concert with a business in competition with the Acquired
Business in Eastern Pennsylvania and Delaware. Source One further agrees that
regardless of geographic location, it will not, during said time period and
unless otherwise agreed to by the parties, service any customers of the Acquired
Business that it has done any business with during the preceding eighteen (18)
months in the line of the Acquired Business. Source One acknowledges that doing
so in any manner would interfere with, diminish and otherwise jeopardize and
damage the business and goodwill of the Acquired Business.

NON-DISCLOSURE AGREEMENT

      Source One agrees that except as directed by Stratus, it will not at any
time use for any reason or disclose to any person any of the Confidential
Information of the Acquired Business or permit any person to examine and/or make
copies of any documents which may contain or are derived from Confidential
Information, whether prepared by Source One or otherwise, without the prior
written permission of Stratus in the retained business.

AGREEMENT NOT TO COMPETE FOR ACCOUNTS OR PERSONNEL

      Source One agrees that during the forty-eight (48) months after the Asset
Purchase Agreement it will not, directly or indirectly, contact, solicit,
divert, take away or attempt to contact, solicit, divert or take away any staff
employee, temporary personnel, customer, account, business or goodwill from
Stratus in the Acquired Business, either for Source One's own benefit or some
other person or entity, and will not aid or assist any other person or entity to
engage in any such activities.

LIMITATION AND TERMINATION OF RESTRICTIVE COVENANTS

      Notwithstanding anything contained in this Agreement to the contrary, the
parties hereto acknowledge and agree that Source One shall continue to operate
its business, other than in the Acquired Business (as defined in the Asset
Purchase Agreement), including, without limitation, information technology,
accounting, scientific, engineering, legal and human resources management
placement, and professional, scientific, medical staffing and any other business
not in competition with the Acquired Business (the "Retained Business"), and (i)
Source One's continued operation of the Retained Business shall not be deemed to
violate the Non-Competition Agreement set forth above; (ii) Source One shall be
permitted to use and disclose Confidential Information to the extent it overlaps
with Source One's confidential information related to the Retained Business
without being in violation of the Non-Disclosure Agreement set forth above; and
(iii) Source One shall be permitted to solicit business from and provide
services to customers of Stratus, provided that such solicitation of business
and provision of services relates to its Retained Business.

      Notwithstanding the covenant periods set forth above, if, within thirty
(30) months of the date of this Agreement, an Event of Default occurs and any
event occurs, which upon notice or passage of time would constitute an Event of
Default, under the Asset Purchase Agreement or any of other document referred to
in the Asset Purchase Agreement to which Stratus is a party, this Agreement and
the covenants contained herein shall become null and void. Without limiting the
foregoing, should this Agreement become null and void, Source One shall be
permitted to compete with Stratus in the Acquired Business and solicit Stratus's
staff employees, temporary personnel, customers, accounts and business. If such
an Event of Default shall occur, Stratus hereby releases Source One, without
further action on Stratus's part,

                                      -2-
<Page>

from any and all claims that Stratus may have arising from such competition or
solicitation. In the event that Stratus has entered into any employment,
non-competition and/or non-solicitation agreement with any staff employees
and/or temporary personnel, Stratus hereby releases such staff employees and/or
temporary personnel from the restrictive covenants contained therein with
respect to employment by or through Source One.

STRATUS SERVICES GROUP, INC.            SOURCE ONE:

/s/ Joseph J. Raymond                   /s/ James S. Radvany
----------------------------            ----------------------------------------
Joseph J. Raymond                       James S. Radvany
Chairman and CEO                        President

                                      -3-

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