Document:

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

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

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

April 14, 2000
Loan:               $2,650,000  loan,  convertible  into  shares  of  Global  at
                    $1.6875  (market  close on  4/14/2000),  at 12% interest per
                    annum,  interest and principal due in 270 days following the
                    date of this agreement. eBanker will have the right to elect
                    conversion  on  the  due  date  prior  to  repayment   being
                    accepted.  Global will provide  eBanker with 30-days advance
                    notice should it choose to repay of the Loan early.  In that
                    time eBanker will have the right to elect for  conversion or
                    repayment.

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

Auto Extension:     If the Loan's accrued interest or principal is not repaid in
                    270 days the Loan's  interest and principal due date will be
                    automatically  extended  to April  15,  2001.  The Loan will
                    become  a  straight  loan,  without   conversion   features.
                    Interest  will  continue  to  accrue on the  balance  at 12%
                    interest  per  annum.  If the  Loan's  accrued  interest  or
                    principal  is not  repaid  in  270  days,  10-year  warrants
                    convertible  into  common  shares of  Global at an  exercise
                    price of $0.50 will be issued to eBanker.  The quantity will
                    be equal to the entire principal and interest amount divided
                    by the new exercise price.

Underlying
Registration:       The Global agrees to provide all eBanker-owned  common stock
                    and derivatives on common stock with piggyback  registration
                    rights. Global commits to completing this registration prior
                    to 180  days  follow  the  date  of this  agreement.  Global
                    commits to maintain registration of all Global eBanker-owned
                    common stock and derivatives on common stock.

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

<PAGE>

                            EXHIBIT 10.2 (CONTINUED)

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

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

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

Agreed and accepted by:
eBanker USA.com, Inc.
----------------------------------
/s/ Robert Trapp
Robert Trapp, Director
Date:  April 25, 2000

                                       2To:       The Board of eBanker USA.com, Inc.

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

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

April 14, 2000
Loan:               eBanker agrees to commit to extend the $750,000  convertible
                    loan at 12% interest per annum with  interest and  principal
                    due  January 1, 2001.  eBanker  will have the right to elect
                    conversion  on  the  due  date  prior  to  repayment   being
                    accepted.  Global will provide  eBanker with 30-days advance
                    notice should it choose to repay of the Loan early.  In that
                    time eBanker will have the right to elect for  conversion or
                    repayment.

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

Underlying
Registration:  The Global agrees to provide all eBanker-owned  common stock
                    and derivatives on common stock with piggyback  registration
                    rights. Global commits to completing this registration prior
                    to 180  days  follow  the  date  of this  agreement.  Global
                    commits to maintain registration of all Global eBanker-owned
                    common stock and  derivatives on common stock.

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

<PAGE>

                            EXHIBIT 10.3 (CONTINUED)

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

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

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

Agreed and accepted by:
eBanker USA.com, Inc.
----------------------------------
/s/ Robert Trapp
Robert Trapp, Director
Date:  April 25, 2000

                                       2EXHIBIT 10.4

LAND TITLE ACT
FORM B
(Section 719.1)
Province of British Columbia
MORTGAGE - PART      (This area for Land Title Office use)     Page 1 of 4 pages
--------------------------------------------------------------------------------
1.   APPLICATION:  (Name,  address,  phone number and  signature  of  applicant,
                    applicant's solicitor or agent)
     GRAHAM A. PORTEOUS,  of WEBSTER HUDSON & AKERLY
     Barristers and Solicitors
     1600 - 1075 West Georgia Street
     Vancouver, British Columbia, V6E 3C9 (Tel: 682-3488)  ---------------------
     File No. 40002 107                                     Graham A. Porteous,
                                                           Applicant's Solicitor
--------------------------------------------------------------------------------
2.   PARCEL IDENTIFIER(S) AND LEGAL DESCRIPTION(S) OF LAND:*
     (PID)                                       (LEGAL DESCRIPTION)

     SEE SCHEDULE
--------------------------------------------------------------------------------
3.   BORROWER(S)  [MORTGAGOR(S)]:  (including  partial  address(es)  and  postal
     code(s)):*

     GLOBAL GROWTH MANAGEMENT INC. (Inc. No. 411712), having  its registered and
     records offices at Suite 1088 - 650 West Georgia  Street,  P. O. Box 11586,
     Vancouver Centre, Vancouver, British Columbia V6B 4N8
--------------------------------------------------------------------------------
4.   LENDER(S)   [MORTGAGOR(S)]:   (including  partial  address(es)  and  postal
     code(s)):*

     NORTH SHORE CREDIT UNION (FI18),  a credit union having a branch office and
     postal address at 1567 Marine Drive,  West Vancouver,  British Columbia V7V
     1H9
--------------------------------------------------------------------------------
5.   PAYMENT PROVISION(S):**
<TABLE>
<CAPTION>

<S>  <C>                           <C>                           <C>                         <C>       <C>       <C>
(a)  Payment Amount:               (b)  Interest Rate:           (c) Interest Adjustment       Y         M         D
     $1250,000.00                       9.60% per annum              Date:                    2000      05        05
---------------------------------------------------------------------------------------------------------------------
(d)  Interest Calculation Period:  (e)  Payment Date:            (f) First Payment Date:
     Semi-Annually,                     5th day of each and                                   2000      06        05
     Not in Advance                     every month
---------------------------------------------------------------------------------------------------------------------
(g)  Amount of each periodic       (h)  Interest Act (Canada)    (i) Last Payment Date:
     payment:                           Statement:                                            2000      05        05
     $10,847.00                         The equivalent rate of
                                        interest calculated half yearly
                                        not in advance is 9.60%
                                        per annum.
---------------------------------------------------------------------------------------------------------------------
(j)  Assignment of Rents which the (k)  Place of Payment:        (l) Balance Due Date:
     applicant wants registered?        POSTAL ADDRESS SET                                    2000      05        05
     YES [X]     NO [ ]                 OUT IN ITEM 4
     If YES, page and paragraph
     number: Pages: 14 to 16
             Paragraph: 40
     D.F.MT 900472
---------------------------------------------------------------------------------------------------------------------
*    If space insufficient, enter "SEE SCHEDULE" and attach Schedule in Form E.
**   If space in any box insufficient, enter "SEE SCHEDULE" and attach Schedule in Form E.
</TABLE>

<PAGE>

MORTGAGE - PART 1                                                         Page 2
--------------------------------------------------------------------------------
6.   MORTGAGE contains floating         7.   MORTGAGE secures a current or
     charge on land?                         running account?
     YES  [ ]   NO [X}                       YES  [ ]   NO [X}
--------------------------------------------------------------------------------
8.   INTEREST MORTGAGED:
     Freehold            [X]
     Other (specify)     [ ]
--------------------------------------------------------------------------------
9.   MORTGAGE TERMS:
     Part 2 of this mortgage consists of (select one only):
     (a)  Prescribed Standard Mortgage terms  [ ]
     (b)  Filed Standard Mortgage Terms       [X]   D.F. Number:  MT900472
     (C)  eXPRESS mORTGAGE tERMS              [ ]  (annexed to this mortgage as
                                                    Part 2)

     A  selection  of (a) or (b)  includes  any  additional  or  modified  items
     referred to in Item 10 or in a schedule annexed to this mortgage.
--------------------------------------------------------------------------------
10.  ADDITIONAL OR MODIFIED TERMS:*
     SEE SCHEDULE
--------------------------------------------------------------------------------
11.  PRIOR ENCUMBRANCES PERMITTED BY LENDER:*
     Easement and  Indemnity  Agreement  265151M,  Covenants  GC98965 & GC98970,
     Restrictive  Covenant  GC98971.  Statutory Right of Way GC98974,  Covenants
     BG40226 & BG402433, Easement  and Indemnity Agreement BJ47965 and Statutory
     Right of Way BM4145
--------------------------------------------------------------------------------
12.  EXECUTION(S):**  This mortgage charges the Borrower's  interest in the land
     mortgaged as security for payment of all money due and  performance  of all
     obligations in accordance with the mortgage terms referred to in Item 9 and
     the  Borrower(s)  and every  other  signatory  agree(s) to be bound by, and
     acknowledge(s) receipt of a true copy of, those terms.

                            Execution Date
                         --------------------
Officer Signature(s)     Y       M        D   Borrower(s) Signature(s)
                         2000    04       28
                                              GLOBAL GROWTH
/s/ Anthony H.S. Knight                       MANAGEMENT INC.
-----------------------                       by its authorized signatory(ies):
Anthony H.S. Knight
Barrister & Solicitor                         /s/ Mark Holman
LANG MICKENER LAWRENCE & SHAW                 ----------------------------------
1600-1085 West Georgia Street                 Print Name:  Mark Holman
P. O. Box 11117
VANCOUVER, B.C. V6E 4N7                       ----------------------------------
Telephone (604) --------                      Print Name.

OFFICER CERTIFICATION:
Your signature  constitutes a  representation  that you are a solicitor,  notary
public or other person authorized by the Evidence Act, R.S.B.C. 1996, c. 124, to
take affidavits for use in British Columbia and certifies the matters set out in
Part 5 of Land Title Act as they pertain to the execution of this instrument.

*   If space insufficient, enter "SEE SCHEDULE" and attach Schedule in Form E.
**  If space insufficient, continue executions ion additional page(s) in Form D.

<PAGE>

LAND TITLE ACT
FORM E

SCHEDULE                                                                  Page 3
--------------------------------------------------------------------------------
ENTER THE REQUIRED  INFORMATION IN THE SAME ORDER AS THE INFORMATION MUST APPEAR
ON THE FREEHOLD TRANSFER FORM, MORTGAGE FORM OR GENERAL DOCUMENT FORM.

2.   PARCEL IDENTIFIER(S) AND LEGAL DESCRIPTION(S) OF LAND:*

<TABLE>
<CAPTION>

     (PID)                    (LEGAL DESCRIPTION)

<S>                       <C>
                                  City of Vancouver

     O24~48O~321              Strata Lot 359, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-339              Strata Lot 360, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-447              Strata Lot 361, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-355              Strata Lot 362, District Lot 54!, Group 1, NWD, Strata Plan LMS1866

     024-480-363              Strata Lot 363, District Lot 541, Group 1. NWD, Strata Plan LMS1866

     024-480-371              Strata Lot 364, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-380              Strata Lot 365, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-398              Strata Lot 366, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-401              Strata Lot 367, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-410              Strata Lot 368, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-428              Strata Lot 369, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-436              Strata Lot 370, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-444              Strata Lot 371, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-452              Strata Lot 372, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-461              Strata Lot 373, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-479              Strata Lot 374, District Lot 541, Group 1. NWD. Strata Plan LMS1866

     024-480-487              Strata Lot 375, District Lot 541, Group 1, NWD. Strata Plan LMS1866

     024-480-495              Strata Lot 376, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-509              Strata Lot 377, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-517              Strata Lot 378, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-525              Strata Lot 379, District Lot 541, Group 1, NWD, Strata Plan LMS1866

     024-480-533              Strata Lot 380, District Lot 541, Group 1, NWD, Strata Plan LMS1866

</TABLE>

<PAGE>

LAND TITLE ACT
FORM E

SCHEDULE                                                                  Page 4
--------------------------------------------------------------------------------
ENTER THE REQUIRED  INFORMATION IN THE SAME ORDER AS THE INFORMATION MUST APPEAR
ON THE FREEHOLD TRANSFER FORM, MORTGAGE FORM OR GENERAL DOCUMENT FORM.

2.   PARCEL IDENTIFIER(S) AND LEGAL DESCRIPTION(S) OF LAND:*

<TABLE>
<CAPTION>

<S>                       <C>

     O24-480-541              Strata Lot 381, District Lot 541, Group 1, NWD, Strata Plan LMS 1866

     024-480-550              Strata Lot 382, District Lot 541, Group 1. NWD, Strata Plan LMS 1866

     024-480-568              Strata Lot 383, District Lot 541, Group I, NWD, Strata Plan LMS 1866

     024-480-576              Strata Lot 384, District Lot 541, Group 1, NWD, Strata Plan LMS 1866

     024-430-584              Strata Lot 385, District Lot 541, Group 1, NWD, Strata Plan LMS 1866

     024-430-592              Strata Lot 386, District Lot 541, Group 1, NWD, Strata Plan LMS 1866

     024-480-614              Strata Lot 387, District Lot 541, Group 1, NWD, Strata Plan LMS 1866

     024-480-622              Strata Lot 388, District Lot 541, Group 1, NWD, Strata Plan LMS 1866

     024-480-631              Strata Lot 389, District Lot 541, Group 1, NWD, Strata Plan LMS 1866

     024-480-649              Strata Lot 390, District Lot 541, Group 1, NWD, Strata Plan LMS 1866
</TABLE>

10.  ADDITIONAL OR MODIFIED TERMS:*

     PREPAYMENT
     The  Mortgagor,  when not in  default,  will be  entitled  to  prepay  this
     Mortgage, in whole or in part, upon 30 days written notice to the Mortgagee
     and upon payment to the Mortgagee of a prepayment  penalty of three months'
     interest on the principal amount prepaid.

                                 END OF DOCUMENT

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