Document:

SECOND AMENDED AND RESTATED RENEWAL PROMISSORY NOTE

$2,500,000,000                                                    June 21, 2000
                                                             San Antonio, Texas

         This Second Amended and Restated  Renewal  Promissory  Note renews that
certain  Amended and Restated  Promissory  Note dated as of June 22, 1999 in the
original principal amount of $2,500,000,000 by HomeSide Lending, Inc., as maker,
in favor of National Australia Bank Limited,  as payee, the original of which is
affixed hereto.

         FOR VALUE RECEIVED,  HOMESIDE LENDING, INC., a Florida corporation (the
"Borrower"),  hereby  unconditionally  promises  to pay to  the  order  NATIONAL
AUSTRALIA  BANK  LIMITED  A.C.N.004044937  (the  "Lender") on June 20, 2001 (the
"Maturity Date") at the office of the Lender at 200 Park Avenue, 34th Floor, New
York,  New York  10166 in lawful  money of the United  States of America  and in
immediately  available funds, the lesser of (a) TWO BILLION FIVE HUNDRED MILLION
DOLLARS  ($2,500,000,000)  or (b) the aggregate  unpaid  principal amount of the
Loans made by the Lender  pursuant to that certain  Unsecured  Revolving  Credit
Agreement, dated as of June 23, 1998, as amended by that certain First Amendment
to Unsecured  Revolving Credit Agreement,  dated as of June 22, 1999, as further
amended  by  that  certain  Second  Amendment  to  Unsecured   Revolving  Credit
Agreement, dated as of June 21, 2000 (as amended, the "Credit Agreement"), among
the Borrower and the Lender. All capitalized terms used herein and not otherwise
defined herein shall have the meanings assigned thereto in the Credit Agreement,
as amended.

         The  Borrower  promises  to pay  interest  to the  Lender on the unpaid
principal  amount hereof  (whether at the stated  maturity,  by  acceleration or
otherwise, and including,  without limitation,  after the filing of any petition
in bankruptcy or the  commencement  of any  insolvency,  reorganization  or like
proceedings,  relating to the Borrower whether or not a claim for post-filing or
post-petition  interest is allowed in such  proceeding) on the last Business Day
of each Interest Period (as defined below) and on the Maturity Date.

         Interest shall accrue on the outstanding principal balance of this Note
from  the date of each  advance  hereunder  at such  rate as may be  elected  by
Borrower in accordance with the terms hereof.

         For Libor-based  borrowings,  the Borrower may elect to pay interest on
all or a portion of the outstanding principal hereunder for periods of 7, 30, 60
or 90 days (each an "Interest Period") at the Libor Rate (as defined below). The
Borrower may make such  election by  delivering  written  notice  thereof to the
Lender at least two business days before the commencement of the Interest Period
for each Libor-based borrowing.  The notice shall state: (i) the date upon which
the Interest  Period shall commence (which must be a Business Day); (ii) whether
such  Interest  Period  shall be for 7, 30,  60 or 90 days;  (iii)  whether  the
Borrower  wishes for interest to accrue at the Libor Rate during the term of the
Interest  Period;  and (iv) the  aggregate  principal  amount  which  shall bear
interest  at the Libor Rate  (which  amount is  referred to herein as the "Libor
Amount").  If the Borrower  duly elects for interest to accrue  hereunder at the
Libor Rate, then interest shall accrue at the Libor Rate on the applicable Libor
Amount during the applicable  Interest Period.  Any election  hereunder shall be
irrevocable  during the term of the  Interest  Period,  and no  Interest  Period
elected hereunder shall extend beyond the Maturity Date.

         As used herein,  the Libor Rate applicable to any Interest Period shall
be the  offered  rate for  deposits  in  United  States  dollars  in the  London
Interbank  market  for a period of 7, 30, 60, or 90 days (as  applicable)  which
appears on the Reuters  Screen LIBO Page as of 11:00 a.m.  (Eastern time) on the
first  Business  Day of the  applicable  Interest  Period.  If at least two such
offered  rates  appear on the  Reuters  Screen  LIBO Page,  the rate will be the
arithmetic mean of such offered rates.

         In addition,  the Borrower may borrow  hereunder on an overnight  basis
(each such advance,  an "Overnight  Borrowing") by delivering  notice thereof to
the Lender  before  3:00 p.m.  on any  Business  Day (the  "Overnight  Borrowing
Notice").  The Overnight  Borrowing Notice shall be by telephone to the Lender's
New York money desk,  with written  confirmation  by facsimile by the end of the
same  Business  Day.  Overnight  Borrowings  shall bear  interest at a rate (the
"Overnight  Rate") as  determined  by  Lender  and  Borrower  at the time of the
Overnight Borrowing Notice. The written  confirmation of the Overnight Borrowing
Notice shall state:  (i) the date of the  Overnight  Borrowing  (which must be a
Business Day); (ii) the Overnight Rate; and (iii) the aggregate principal amount
of the Overnight Borrowing.

         Any principal, interest or any other amount hereunder which is not paid
when due (whether as stated,  by acceleration or otherwise) shall, to the extent
permitted by law,  thereafter  bear  interest at the rate per annum 2% above the
rate  described  above,  payable on demand.  Interest shall be calculated on the
basis of a year of 360 days for actual  days  elapsed.  All  payments to be made
hereunder  shall be made  free and clear of any  deduction  for any  present  or
future taxes or similar charges  imposed by any  jurisdiction in connection with
this Note.

         The holder of this Note is authorized to endorse the date and principal
amount of each Loan made by the Lender  pursuant  to the Credit  Agreement,  the
date and amount of each  payment or  prepayment  hereof,  on  Schedule A annexed
hereto and made a part  hereof,  or on a  continuation  thereof  which  shall be
attached hereto and made a part hereof, which endorsement shall constitute prima
facie evidence of the accuracy of the information endorsed,  provided,  that the
failure to make any such  endorsement  shall not affect the  obligations  of the
Borrower under this Note.

         This  Note is the  Note  referred  to in the  Credit  Agreement  and is
entitled to the benefits thereof.  Upon the occurrence of any one or more of the
Events of Default specified in the Credit Agreement,  all amounts then remaining
unpaid on this Note shall become,  or may be declared to be immediately  due and
payable,  all as provided  therein.  All parties now and  hereafter  liable with
respect to this Note, whether as market, principal, surety, guarantor,  endorser
or otherwise, hereby waive presentment, demand, protest and all other notices of
any kind.

         This Note  shall be  governed  by, and  construed  and  interpreted  in
accordance with, the law of the State of New York.

                                                 HOMESIDE LENDING, INC.

                                                 By:
                                                 As Its: ___________________

<PAGE>

Schedule A to Note

                         LOANS AND PAYMENTS OF PRINCIPAL

           Principal         Amount of        Unpaid Principal    Notations made
Date    Amount of Loans    Principal Paid        Balance                by
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-----   ---------------    --------------     ----------------    --------------<PAGE>   1
EX. 10.1

This Agreement is made on the 18th of April 2000

BETWEEN

SUMmedia.com Inc. of {"SUMmedia.com Inc.") of the one part and

GOLDEN NET LIMITED of 15th Floor, Sands Building, 17 Hankow Road, Tsim Sha Tsui,
Kowloon, Hong Kong and PARTY ASSETS LIMITED of Room 2102, 9 Queen's Road
Central, Hong Kong. Collectively referred to as (the "Business Partners").

WHEREAS:

1.   SUMmedia.com Inc. or its subsidiaries collectively (SUMmedia.com) have
     developed, own and operate a certain business whereby SUMmedia.com Inc.
     carries on the business of promoting, sales and marketing and conducting
     advertising for businesses providing goods and services to others via the
     Internet. The main business is conducted as an electronic coupon Internet
     site at "savingumoney.com" ("the Business") which is operated in accordance
     with the distinctive system and plan utilizing and comprising certain
     proprietary marks, confidential information, standards, specifications,
     identifying schemes and materials insignia, management methods, sales and
     management procedures and systems, training manuals and all other necessary
     and incidental information technology knowhow and documentation and
     materials (the "Operating System").

                                       1
<PAGE>   2

2.   The operation of the Business has generated significant goodwill, such
     goodwill and prestige and public image shall be referred to as the
     "SUMmedia Image".

3.   SUMmedia.com Inc. is the proprietor of or has rights to the use of the
     designations, trademarks and other intellectual property rights, full
     particulars of which appear in Schedule 1 hereto.

4.   The Business Partners will establish (with the participation of
     SUMmedia.com Inc., Party Assets Limited and Golden Net Limited) a company
     namely SUMmedia.com Asia Limited ("SUMmedia.com Asia") to operate the
     Business in the territory (the "Territory") as specified in Schedule 2
     hereto.

5.   The parties hereto wish to enter into this joint venture agreement
     regarding the establishment of SUMmedia.com Asia and the operations of the
     Business in the Territory in the manner and on the terms and conditions
     more particularly described below.

NOW THIS AGREEMENT WITNESSETH AS FOLLOWS:-

1.   The Business Partners herein agree that they will forthwith establish (if
     they have not already done so) SUMmedia.com Asia Limited ("SUMmedia.com
     Asia"), a joint venture operating company to organize and operate the
     Business in the

                                       2
<PAGE>   3

     Territory based on the Operating System, utilizing electronic coupons as
     its main component. SUMmedia.com Asia with the support of all joint venture
     business parties hereto will develop and promote related and incidental
     products for the Business.

2.   a)   SUMmedia.com Inc. agrees to provide investment support for
          SUMmedia.com Asia in the sum of US$450,000 (US dollars, four hundred
          and fifty thousand) by way of investment in SUMmedia.com Asia.

     b)   SUMmedia.com Inc. has established a company namely SUMcayman
          Investments Limited to hold its shareholding in SUMmedia.com Asia.

3.   Golden Net Limited agrees to provide investment support for SUMmedia.com
     Asia in the sum of US$450,000 (US dollars four hundred and fifty thousand)
     by way of investment in SUMmedia.com Asia.

4.   Party Assets Limited agrees to provide investment support for SUMmedia.com
     Asia In the sum of US$100,000 (US dollars one hundred thousand) by way of
     investment in SUMmedia.com Asia.

                                       3
<PAGE>   4

5.   SUMmedia.com Asia and its related structure shall be owned beneficially and
     of record between the parties in the following proportions:

                              SUMcayman Investments Ltd.         45%

                              Golden Net Limited                 45%

                              Party Assets Limited               10%

6.   SUMmedia.com Inc. (as Master Licensor) will grant to SUMmedia.com Asia (as
     Master Licensee) an exclusive master license to operate the Business
     utilising the Operating System in the Territory. Under such Master License,
     SUMmedia.com Asia will be granted the right to grant sub-licenses to
     licensees in the Territory. A draft of the Master License Agreement is now
     attached to Schedule 3 hereto.

7.   SUMmedia.com Inc. agrees to introduce any similar businesses or businesses
     connected with the Business (if the same shall relate to the Territory) to
     SUMmedia.com Asia on an exclusive basis; SUMmedia.com Asia agrees to
     introduce any similar businesses or businesses connected with the Business
     (if the same shall relate to opportunities outside the Territory) to
     SUMmedia.com Inc. on an exclusive basis.

                                       4
<PAGE>   5

8.   Any similar or connected businesses to the Business previously carried on
     by SUMmedia.com Inc. in the Territory shall be transferred into the joint
     venture at no cost and shall be carried on by SUMmedia.com Asia save as
     stipulated specifically in the Master License Agreement.

9.   The parties hereto shall procure all their intermediaries and/or related
     parties holding any interest (legal or beneficial) to observe and comply
     with all the terms and conditions of the agreement from time to time
     entered into between the parties hereto.

10.  The executive control of the within contemplated joint venture shall be
     vested in the corporate structure of SUMmedia.com Asia including the Board
     of SUMmedia.com Asia.

11.  The initial paid-up capital of SUMmedia.com Asia shall be US$1,000,000 (US
     dollars one million).

12.  The Business Partners will use their best endeavours to immediately
     establish SUMmedia.com Asia, to implement the Operating System and commence
     all things necessary for the start-up of the Business to a level where all
     business and supporting units are fully operational by May 1, 2000.

                                       5
<PAGE>   6

13.  The Business Partners shall also procure further funding and support to an
     extent required for continued operations of SUMmedia.com Asia as shall be
     agreed between the parties.

14.  The parties hereto agree that for the regulation of SUMmedia.com Asia, they
     shall enter into, observe and comply with a shareholders agreement
     ("Unanimous Shareholder Agreement) to be executed as soon as possible after
     the signing of this Agreement.

15.  The parties hereto will diligently enter into negotiations in good faith
     and shall enter into formal agreements, including the Unanimous
     Shareholders Agreement, covering all necessary and incidental aspects of
     their mutual rights and obligations.

SIGNED by the respective parties the day and year first before mentioned,

Signed by                     )
for and on behalf             ) /s/ [ILLEGIBLE]
of Golden Net Limited         )
in the presence of: -         )

/s/ [ILLEGIBLE]

                                       6
<PAGE>   7
Signed by                     )
for and on behalf             ) /s/ [ILLEGIBLE]
of SUMmedia.com Inc.          )
in the presence of: -         )

/s/ [ILLEGIBLE]

Signed by                     )
for and on behalf             ) /s/ [ILLEGIBLE]
of Party Assets Limited       )
in the presence of: -         )

/s/ [ILLEGIBLE]

                                       7
<PAGE>   8

                                   SCHEDULE I

                               Proprietary Rights

SUMmedia.com Inc. in developing the Operating System has created and/or acquired
certain proprietary information, technology, methods, marks, systems and
procedures ("Proprietary Rights") including but not limited to:

1.   the trade marks:

     1.1      trademark applications filed

<TABLE>
<CAPTION>
              Trademark          Tm App # APP Date          Trademark Owner
              ---------          -----------------          ---------------
<S>           <C>                <C>                        <C>
              FUEL 55            Mar 9, 2000                SUMmedia Corp.
              MEGAPACKAGE        Mar 9, 2000                SUMmedia Corp.
              SAVINGUMONEY       99/17861 Dec 6, 1999       SUMmedia Corp.
              SUMMEDIA           99/17862 Dec 6, 1999       SUMmedia Corp.
              SUMmon the Power
              of the Internet    Mar 9, 2000                SUMmedia Corp.
</TABLE>

     1.2  trademarks to be filed

          Sumidea; coupons for just about anything; coupons for just about
          anything anywhere; coupons online for just about anything; Sumspot;
          scissors design; saving you money; Sumasia

2.   all registered and pending domain names including:

     a)   savingumoney.com

     b)   savingyoumoney.com

     c)   summedia.com

3.   patent application for Operating System's billing systems - pending

                                       8
<PAGE>   9

                                   SCHEDULE 2

                                  The Territory

                                     [MAP]

<PAGE>   10

                                   SCHEDULE 3

                         DRAFT MASTER LICENSE AGREEMENT

                                   [omitted]

                                       10

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