Document:

<PAGE>
                                                                     EXHIBIT 4.4

                             Notice and Memorandum
                              ORC Holdings, Ltd.
                         Employee Share Ownership Plan
       for the purchase of Common Stock of Opinion Research Corporation

Introduction

If you are an `eligible employee' of ORC International Limited (`the Company'),
you have the opportunity to become an owner of shares in the Company's US parent
company Opinion Research Corporation (`ORC'), through your participation in the
ORC Holdings, Ltd. Employee Share Ownership Plan (`ESOP'). The shares in
question are ORC common stock, the class of shares that are listed on the US
AMEX market. The ESOP is approved by the Inland Revenue under the terms of
schedule 8 to the Finance Act 2000 which means that you can acquire your shares
on tax advantageous terms. This notice sets out the way in which the ESOP will
operate. However, please note that the notice is not a statutory document and,
because the ESOP is Inland Revenue approved, the Taxes Acts and the ESOP rules
will always take precedence in determining how it is operated.

The ESOP operates in two quite different ways. First, it enables you to buy
shares on a quarterly basis through deductions from your salary, and the Company
will top up the shares that you purchase in this way. Second, the Company may
offer you an allocation of free shares. If you decline the offer of these free
shares, it is anticipated (though not guaranteed) that you will subsequently be
paid a cash bonus of an amount similar in value to the free shares that you have
declined.

Who is eligible to participate in the ESOP?

All employees of the company who have been employed for at least 3 months are
eligible to participate in the ESOP, except for employees who own 25% or more of
ORC's shares. An eligible employee can start to participate in the ESOP on the
first day of any `offering period'.

When may I begin to participate in the ESOP?

The ESOP uses the calendar year as its plan year and generally has four
consecutive `offering periods' each year. The offering periods will generally
start on the first day of each calendar quarter during the plan year. To be
eligible to participate in the ESOP for an offering period, you must be eligible
to participate on the first day of the offering period. If, for example, you
first satisfy the requirements to participate in the ESOP in the middle of an
offering period, you will have to wait until the next offering period to
participate. In order to participate, you must submit to the ESOP Administrator
a Subscription Agreement indicating your intention to participate.

It is anticipated that an offer of free shares under the ESOP will be made
annually, shortly before the normal date for payment of cash bonuses.
<PAGE>

How do I purchase shares through the ESOP?

If you are an eligible employee, the ESOP generally gives you the right to
participate in up to four share offerings each calendar year, usually with
quarterly opportunities to make purchases. You may purchase ORC shares under
this programme at a purchase price which is equal to the fair market value of
the shares determined on the first business day of the offering period or on the
date the shares are purchased (which is normally the last business day of the
offering period), whichever results in the lower price. Fair market value for
this purpose will normally be the published list price of ORC shares on the day
in question.

For every seventeen shares you purchase, the Company will credit you with a
further three free shares, so that you are effectively acquiring your shares at
a 15% discount to their fair market value. It is not possible to own part shares
so, if this calculation does not result in a whole number of shares, a number of
purchased shares will be carried forward. For example, if you have purchased 25
shares, you will be awarded 3 free shares, and 8 shares will be carried forward
to be taken into account on the next occasion that an award of free shares is
made. The Company will hold your shares for you in a Trust Account, and you will
receive a report at least annually setting out the shares held on your behalf in
the Account. Each report will detail the number of shares, their value when they
first became yours, and their value at the date of the report.

What is the effect of currency exchange movements?

The amount deducted from salary (see below) will be in sterling, and will be
used to buy shares, normally on the last business day of each quarterly offering
period. On that day, your sterling will be converted into US dollars, at that
day's exchange rate. Those dollars will then be used to acquire shares at a
price equal to their fair market value, as detailed above. This means that the
currency exchange rate during the offering period is irrelevant in calculating
the number of shares you may buy, or the price to be paid. Once you have
acquired your shares, their sterling value may increase or decrease, both
because of dollar share price movements and exchange rate fluctuations.

How do I pay for my share purchases under the ESOP?

If you elect to participate in the ESOP, you pay for your stock purchases with
payroll deductions taken on a before tax basis from your salary in accordance
with your election. So, for example, if you elect for monthly payroll deductions
of (pound)100, and you pay income tax at the higher rate of 40%, your take home
pay will be reduced by (pound)60 each month. However, your money will be used to
purchase (pound)100 worth of shares.

You make the election by completing a subscription agreement in which you must
specify the amount to be withheld from your salary. If you are not already
participating in the ESOP and wish to participate for the next offering period,
you must generally submit your subscription agreement during an enrolment period
which will be announced for that particular offering period. The amounts that
are withheld from salary are kept and accumulated in a non interest bearing
account held in trust to keep track of your contributions until a purchase of
shares is made automatically on your behalf on a `purchase date'. Generally,
there is a `purchase date' on the last business day of each offering period
(although the actual purchase date may be a later date if a delay in purchase is
necessary for the orderly administration of the ESOP).

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Any election you make for salary deductions remains in force from one offering
period to the next unless you change or revoke it. You can suspend your salary
deductions at any time (but no more than once) during an offering period, but if
you then choose to re-start your deductions you cannot make up those you have
missed. If you are participating in the ESOP and you wish to continue to
participate in the next offering period, your participation will normally be
continued automatically at the same rate. You can increase or decrease your
salary deductions for subsequent offering periods (within the limits applicable
under the ESOP) at any time during the month immediately preceding each offering
period by submitting a new subscription agreement. This will become effective as
at the first day of the next offering period. You can also, at any time,
withdraw from the ESOP altogether and receive in cash the amount withheld from
salary and not used to make any share purchases. If you withdraw, the withdrawal
notice will normally take effect 30 days after you submit it to the ESOP
Administrator. You may not, however, assign your interest in any amounts
withheld from salary under the ESOP.

What are the offering periods under the ESOP, and how can this affect my
purchases?

Generally, there are four consecutive three month offering periods in each
calendar year starting on 1 January, 1 April, 1 July, and 1 October. Certain of
your rights with respect to purchases made during an offering period are fixed
on the first day of each offering period. As a general rule, as discussed below,
the maximum number of shares any employee is permitted to purchase in an
offering period is that number of shares that has a value of (Pounds)375.

What are the limitations on my purchases and on my contributions under the ESOP?

Your purchases under the ESOP are subject to a number of specific limitations
that are set out in the ESOP rules. Your purchases may also be limited by the
company at its discretion, although any such limitations will be applied on a
uniform basis to all eligible employees. First, no more than 200,000 shares are
available under the ESOP, whether these are purchased or allocated to employees
as free or bonus shares. Second, the minimum monthly contribution is (Pounds)10.
Third, the maximum monthly contribution is (Pounds)125 or, if less, 10% of your
salary.

How may I receive free shares under the ESOP?

As mentioned in the introduction, you will receive three free shares for every
seventeen shares that you choose to buy under the ESOP. Quite separately, the
Company may offer you an opportunity of taking up free shares under the ESOP as
part of your annual bonus arrangements.

If the Company does decide to offer free shares as part of bonus arrangements,
it will normally do so once annually. You, and all other eligible employees,
will be invited to take up an offer of free shares with a fair market value
equal to not more than a specified percentage of your basic annual salary,
subject to a maximum value of (Pounds)3,000 (as converted to US dollars at the
exchange rate on the day that the shares are acquired for you). The percentage
will be the same for all employees and may change from year to year, depending
upon the success of the Company, but is initially expected to be in the region
of 6%. If you accept the invitation, the Company will arrange for the
appropriate number of shares to be credited to your Trust Account, as soon as
practically possible after your acceptance.

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You can take up all the free shares which you have been offered, or just a part
of them. It is entirely up to you how many you decide to take. If you choose not
to accept the offer, in whole or in part, the Company expects to pay you a cash
bonus equal to approximately the fair market value of the free shares which you
have decided not to take. In some cases the bonus may be considerably more, and
a bonus may be paid even if you accept the invitation to take up shares.
However, it must be emphasised that bonuses are payable at the Company's
discretion, and there can be no guarantee that you will be paid a bonus if you
choose not to accept the invitation to receive free shares.

Are there other terms and conditions that may be established under the ESOP?

Other terms and conditions may be established for any offering period by the
ESOP administrator. Any such changes in offerings will, however, be applicable
to all eligible employees on the same terms. You will, of course, be informed of
the changes, if any, that are implemented. In addition, the ESOP administrator
may modify any administrative procedures applicable to the manner in which
employees participate, including changes in the timing and manner in which
salary deductions may be elected, the rules applicable to the modification of
participation elections, the timing requirements or deadlines for submission of
payments or election forms, and the timing requirements or deadlines for
requests to withdraw from the ESOP. The Board of Directors of the Company has
the authority to amend the ESOP in any way that it determines is appropriate,
and can also terminate the ESOP at any time. Certain amendments, however, will
only be effective if they are also approved by shareholders and by the Inland
Revenue.

How are my shares purchased under the ESOP?

Purchases under the ESOP are made automatically with the funds held on your
behalf on `purchase dates' (subject to the limitations imposed under the ESOP).
`Purchase dates' generally occur on the last business day of each offering
period. The Company will arrange for free shares (on the three for seventeen
basis) to be acquired on your behalf on each purchase date. Any free shares that
you choose to take as part of your annual bonus arrangements will be acquired on
your behalf on or around the normal date for payment of annual bonuses.

When do I receive my shares purchased under the ESOP?

The shares you purchase under the ESOP are held for you in a Trust Account. The
Account will be in a Trust specially formed for the purposes of the ESOP and
separate from the Company. Nigel Maxfield and Trevor Robinson will administer
the Trust on behalf of employee shareholders.

If you leave the Company's employment you may withdraw all your shares from the
Trust immediately. At any time, you may withdraw those shares that you have
purchased. Otherwise, you are normally obliged to leave your free shares in the
Trust for a minimum period of three years and, you may, if you choose, leave
them in for a longer period (which may have tax advantages, as discussed below).

When you withdraw your shares from the plan, you may either receive share
certificates or transfer the shares electronically to a brokerage account at
Fidelity Investments. Dividends, if any, which are paid with respect to your
shares will be paid to you and will form part of your taxable income. When you
purchase shares under the ESOP, you are

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<PAGE>

the owner of such shares and you will have the same rights and risks of share
ownership as any other shareholder.

What happens in the event of my death?

Any shares or cash held in your Trust Account will form part of your estate
after your death, and will pass into the hands of your personal representatives,
to be distributed in accordance with your will or subject to the intestacy laws.

What happens if I leave the Company's employment?

If you have been allocated or purchased shares under the ESOP, your shares will
be treated for tax purposes as having been withdrawn from the ESOP when you
leave (a "deemed withdrawal"). An exception is if you are a "good leaver", that
is someone who leaves because of death, injury or disability, redundancy or
retirement at or after normal retirement age.

Good leavers apart, if you leave in less than five years after allocation or
purchase of shares, you can expect to have to pay tax upon the deemed withdrawal
of your shares. The way in which tax is calculated in these circumstances is set
out below in the section on tax consequences of the ESOP. At this point you can
actually withdraw your shares from the Trust and sell them, and the sale
proceeds will always be at least double the tax liability. However, there is no
obligation to sell the shares, and you may choose to keep some or all of them.

If you are a good leaver, or if you leave five or more years after allocation or
purchase of your shares, no tax will become due when you leave. You are entitled
to withdraw your shares from the Trust and, if you then choose to sell them
immediately, no tax will become due.

If you have chosen to purchase shares by monthly deductions from salary, any
salary deductions made during the quarter in which you leave will be paid back
to you in cash. This will be subject to tax and NIC, so will put you back in the
same position as if you had never had any salary deductions in the quarter.

Does participation in the ESOP have any consequences upon state benefits?

For most purposes, participation will have no effect because your earnings will
be at a level where you pay some National Insurance Contributions even though
you have chosen to purchase shares under the ESOP. One possible exception is
statutory maternity pay (SMP) which may decrease slightly because, during the
first six weeks of maternity leave, SMP is related to earnings which decrease if
you choose to purchase shares under the ESOP.

The Inland Revenue has produced a booklet IR177 which explains the position in
more detail. A copy may be obtained from any tax office, and the Company will
retain a copy for you to consult.

How do I sell my shares?

After your shares are withdrawn from the Trust, you will receive a share
certificate, either by electronic receipt or by distribution of a paper share
certificate. Thereafter, you may sell your shares whenever you choose. However,
you will normally need a stockbroker to sell your shares, and may have to pay
broker's fees or commissions upon the sale. Also,

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<PAGE>

there may be a tax liability if the amount for which you sell your shares is
greater than their fair market value as at the date you withdrew them from the
Trust (see below).

What are the tax consequences of my participation in the ESOP?

The ESOP is approved by the Inland Revenue, and therefore offers significant tax
advantages as compared to unapproved share incentive arrangements. Note that the
Company is simultaneously implementing an Inland Revenue unapproved employee
stock purchase plan (`the ESPP'), under which the tax treatment (but not
necessarily the share purchase arrangements) is less favourable. The ESPP is
based upon arrangements offered to ORC employees in the USA, but does not have
the tax advantages afforded to those employees under US legislation.

When you first acquire shares under the ESOP, whether by purchase or as free
shares, no tax will be due.

If you withdraw your shares from the Trust in less than three years from when
they first went in (which, in the case of free shares, is only possible if you
leave the Company's employment), you may be liable to income tax and NIC at that
time. Tax and NIC will be charged on the fair market value of your shares at the
date they are withdrawn. However, no tax or NIC will be due if you leave
employment because of your death, injury or disability, redundancy or retirement
at or after normal retirement age (specified at 65 for ESOP purposes).

If you withdraw your shares from the Trust between three and five years from
when they first went in, you may be liable to income tax and NIC at that time.
Tax and NIC will be charged upon the fair market value of the shares at the date
they went into the Trust, or the fair market value at the date they are
withdrawn, whichever is lower. Again, however, no tax will be due if you leave
employment because of your death, injury or disability, redundancy or
retirement.

If you withdraw your shares from the Trust five or more years from when they
first went in, no income tax or NIC will be due. You may leave the shares in the
Trust for so long as you wish, subject to the ESOP remaining in force.

If you leave the Company's employment, you will be treated as if you had
withdrawn the shares at the date of your leaving employment. This will result in
income tax becoming due, unless you leave more than five years after the shares
first went in to the Trust, or unless you leave because of death, injury or
disability, redundancy or retirement at or after normal retirement age.

If you withdraw any cash from your Trust Account (for example on terminating
your subscription agreement), you will be liable to income tax and NIC on that
cash.

In any circumstances where income tax is due, the relevant fair market value of
shares (or cash) will be treated as if it were additional earnings. Tax will be
due either at basic rate (currently 22%) or higher rate (currently 40%),
depending upon how much taxable income you have in the year.

If you sell your shares, you may be liable to capital gains tax (`CGT') if the
sale price exceeds the fair market value of the shares as at the date you
withdrew them from the Trust. The rate of CGT, if you sell your shares within 12
months of their acquisition, will normally be at the same rate as you pay income
tax, either 22% or 40%. Note, however, that the first (Pounds)7,200 of any gain
in a tax year is exempt from tax (the exempt amount is

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<PAGE>

normally adjusted each year in the Budget), also that a 22% tax payer may find
an element of gain taxed at 40% if the total of income and gains for the year
exceeds the higher rate limit.

If you sell your shares more than 12 months after you withdraw them from the
ESOP, the rate of tax you pay may be reduced through the application of `taper
relief', which reduces the effective rate of CGT according to how long you have
owned your shares. If you remain a Company employee and sell your shares four or
more years after you acquire them, the effective rate of CGT is likely to be
5.5% for a basic rate tax payer and 10% for a higher rate tax payer.

Note that there is a significant tax advantage to be gained if you leave your
shares in the Trust for five or more years (on the assumption that you have
remained in the Company's employment). No income tax will ever be due and, if
you sell your shares immediately after withdrawal from the Trust, no CGT either.
This is true however much the shares may have increased in value.

Example 1

Share price on acquisition: (Pounds)10
Share price on withdrawal from Trust: (Pounds)5
Share price when shares sold: (Pounds)15

<TABLE>
<CAPTION>
----------------------------------------------------- ---------------------------------------------------
                       Event                              Income Tax (IT) or Capital Gains Tax (CGT)
                                                                         charged on(pound)
----------------------------------------------------- ---------------------------------------------------
<S>                                                      <C>
           Withdrawal from Trust *3 years                                   5 (IT)
----------------------------------------------------- ---------------------------------------------------
           Withdrawal from Trust 3-5 years                                  5 (IT)
----------------------------------------------------- ---------------------------------------------------
           Withdrawal from Trust **5 years                                  0
----------------------------------------------------- ---------------------------------------------------
                   Sale of Shares                                          10 (CGT)
----------------------------------------------------- ---------------------------------------------------
</TABLE>

Example 2

Share price on acquisition: (Pounds)10
Share price on withdrawal from Trust: (Pounds)12
Share price when shares sold: (Pounds)15

<TABLE>
<CAPTION>
----------------------------------------------------- ---------------------------------------------------
                       Event                              Income Tax (IT) or Capital Gains Tax (CGT)
                                                                         charged on(pound)
----------------------------------------------------- ---------------------------------------------------
<S>                                                      <C>
           Withdrawal from Trust *3 years                                  12 (IT)
----------------------------------------------------- ---------------------------------------------------
           Withdrawal from Trust 3-5 years                                 10 (IT)
----------------------------------------------------- ---------------------------------------------------
           Withdrawal from Trust **5 years                                  0
----------------------------------------------------- ---------------------------------------------------
                   Sale of Shares                                           3 (CGT)
----------------------------------------------------- ---------------------------------------------------
</TABLE>

The applicable tax laws are complex and change frequently. It is recommended
that you consult a professional tax adviser concerning the tax implications of
your participation in the ESOP and of any sale of shares that you acquire.

What happens if ORC merges or is taken over?

If ORC receives an offer to merge or be taken over, the Trust will ask you what
you wish to happen to your shares. You may accept an offer to sell the shares
for cash, even though this occurs within three years from the shares being
awarded to you. Upon a sale for cash, you will become liable to income tax on
the same basis as if you had withdrawn your shares from the Trust. You may also
accept an offer to exchange the shares for

*  Represents less than
** Represents greater than

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shares in the acquiring company. In this instance, the new shares that you
receive will usually be treated for tax purposes as the same shares as your
original ORC shares, i.e. there is no immediate tax consequence of accepting the
offer.

                                       8eVision USA.Com, Inc.-Exhibit 10.1-Form 8-K HTML

Exhibit 10.1
– Asset Purchase Agreement Among Online Credit Limited

and USA.Com, Inc.
Dated June 8, 2001

ASSET PURCHASE
AGREEMENT

Among

Online Credit Limited

as the Purchaser

and

eVision USA.Com, Inc.

as the Seller

Dated:

June 8, 2001

ASSET
PURCHASE AGREEMENT

This ASSET PURCHASE
AGREEMENT, dated as of June 8, 2001, is entered into by eVision USA.Com, Inc.
and Online Credit Limited.

        WHEREAS,
eVision and Online entered into four separate outstanding Debenture Debt
agreements whereby Online provided a total original of $7,500,000 in loans to
eVision; and

        WHEREAS,
eVision desires to pay a significant portion of this Debenture debt and Online
agrees to accept assets in consideration of the Debenture Debt;

        NOW
THEREFORE, in consideration of the terms, conditions, and covenants herein
contained, the parties hereby agree as follows:

ARTICLE I

DEFINITIONS

When used in this
Agreement, the following terms shall have the respective meanings set forth
below: 

“Agreement” shall
mean this Asset Purchase Agreement, including all exhibits and schedules
thereto, as the same may hereafter be amended, modified or supplemented from
time to time. 

“Assets” shall mean

	        1)	
all debt, equity and derivative instruments of eBanker that eVision owns, except
that owned by eVision’s subsidiary American Fronteer Financial Corporation,
as of the date of this Agreement consisting of: 

		a.        
1 Series A preferred share,

		b.        
1,083,533 common shares,

		c.        
330,000 warrants to purchase shares @ $3.00 expiring 8/11/03,

		d.        
307,692 warrants to purchase shares @ $8.00 expiring 3/31/05,

		e.        
307,692 warrants to purchase shares @ $9.00 expiring 3/31/05 and

		f.        
$660,000 face value in 10% convertible debentures;

	        2)	
all shares of Global Growth that eVision owns as of the date of this Agreement; and

2

	        3)	
1,050,000 shares of Global Med that eVision owns as of the date of this Agreement.

“Business” shall
mean all business conducted by the companies underlying the Assets, as currently
constituted and operated and as the same continues to be constituted and
operated until the Closing. 

“Closing” shall
mean the consummation of the transactions contemplated in this Agreement which
will occur on the Effective Time.

“Contracts and Other
Agreements” shall mean all contracts, agreements, warranties, guaranties,
indentures, bonds, options, leases, subleases, easements, mortgages, plans,
collective bargaining agreements, licenses, purchase orders, sales orders,
commitments or binding arrangements of any nature whatsoever, express or
implied, written or unwritten, and all amendments thereto, entered into by or
binding upon the Business or to which any of its properties may be subject,
other than those, if any which constitute Excluded Assets or relate exclusively
to the Excluded Assets. 

“Debenture Debt”
shall mean debt pursuant to the four outstanding debenture agreements between
eVision and Online being:

	     ° 	
The $4,000,000 10% Convertible Debenture Due December 15, 2007 dated December
30, 1997 and all subsequent amendments;

	     ° 	
The $1,500,000 10% Convertible Debenture Due December 15, 2007 dated May 17,
1998; 

	     ° 	
The $1,000,000 10% Convertible Debenture Due December 15, 2007 dated August 5,
1998; and

	     ° 	
The $1,000,000 12% Convertible Debenture Due December 15, 2007 dated November
17, 1998 which subsequently had $160,000 in principal paid down under the
“Supplemental Letter of Agreement to the $500,000 12% convertible debenture
due March 24, 1999 dated September 25, 1998 and all subsequent amendments issued
by eVision to Online Credit and the $1,000,000 12% convertible debenture due
December 15, 2007 dated November 17, 1998 issued by eVision to Online
Credit” dated May 24, 2001.

“Documents” shall
mean documents referenced in this Agreement including documents to be drafted
pursuant to a provision in this Agreement.

“eBanker” shall
mean eBanker USA.com, Inc., a Colorado, USA company.

“Effective Time”
shall mean five (5) business days following the date of the Agreement as stated
in the heading of this Agreement.

“eVision”
shall mean eVision USA.Com, Inc., a Colorado, USA company.

“Excluded Assets”
shall mean all assets not defined as Assets, including any receivables, payables
or agreements between the companies underlying the Assets and eVision. 

“Global Growth”
shall mean Global Growth Inc., a British Columbia, Canada company.

“Global Med”
shall mean Global Med Technologies, Inc., a Colorado, USA company.

“Law” shall mean
any law, statute, regulation, ordinance, requirement, announcement or other
binding action or requirement of an authority.

3

“Lien or Other
Encumbrance” and “Lien and Other Encumbrance” shall mean any
lien, pledge, mortgage, security interest, lease, charge, conditional sales
contract, option, restriction, reversionary interest, right of first refusal,
voting trust arrangement, preemptive right, claim under bailment or storage
contract, easement or any other adverse claim or right whatsoever. 

“Online” shall
mean Online Credit Limited, a Hong Kong company.

“Parties” shall
mean Online and eVision collectively.

ARTICLE II

PAYMENT AND SATISFACTION OF DEBENTURE DEBT

	        2.1	
Payment of Debenture Debt.  Upon the Closing of this Agreement, eVision
shall pay $7,314,316 to Online in satisfaction of certain Debenture Debt. As
payment of the $7,314,316, eVision shall deliver the Assets to Online. Subject
to the terms and conditions set forth in this Agreement and in reliance upon the
representations and warranties of eVision and Online herein set forth, at the
Closing, eVision shall sell, transfer, convey, assign and deliver to Online, by
appropriate deeds, bills of sale, assignments and other instruments satisfactory
to the Online and its counsel, all of eVision’s right, title and interest,
as of the Effective Time, in and to the Assets. Online agrees to accept the
Assets in reduction of the Debenture Debt in the amount of $7,314,316. 

	 	
eVision shall deliver to Online the certificates, or transfer such assets to
accounts designated by Online.

	 	
The
Assets shall be conveyed free and clear of all liabilities, obligations, Liens
and Other Encumbrances, excepting only those liabilities and obligations which
are expressly to be assumed by Online hereunder and those Liens and Other
Encumbrances securing the same which are specifically disclosed herein or
expressly permitted by the terms hereof.

	        2.2	
Satisfaction of Debenture Debt. As consideration, eVision’s payment
shall satisfy $7,314,316 of Debenture Debt that Online currently holds,
consisting of $6,749,924 in principal and $564,392 in accrued and unpaid
interest. Accrued and unpaid interest is based on a date of May 31, 2001. No
interest will accrue on the $6,749,924 in debenture principal that is satisfied
by this agreement subsequent to May 31, 2001. The Parties understand that the
interest amount of $564,392 is approximated, but it is understood that as at May
31, 2001 eVision will have no outstanding balance of accrued but unpaid interest
due to Online for the Debentures. Online agrees to execute Debenture
Cancellation Agreements, substantially in the same form as that attached as
Schedule A. 

	        2.3	
Remaining Outstanding Debenture Debt. The remaining outstanding Debenture
Debt shall be evidenced with a $590,076 Debenture due 2007 bearing 8% interest.
This Debenture shall be evidenced in a contract substantially in the same form
as that attached as Schedule B. 

	        2.4	
Cancellation of eVision Management Agreement. Subject to the consent of
eBanker, which shall be sought upon the Closing of this Agreement, eVision
agrees to cancel its management agreement with eBanker, dated August 10, 1998. 

4

	        2.5	
Cancellation of Inter-Company Payables owed to eVision by Global Growth.
As consideration eVision agrees to cancel and forgive all inter-company
payables, including but not limited to a loans owed to eVision by Global Growth. 

	        2.6	
Business Examinations and Physical Investigations of Assets. Prior to the
Effective Time and for a reasonable time thereafter Online shall be entitled,
through its employees and representatives, to make such investigations and
examinations of the Business of the Assets as Online may request. In order that
Online may have the full opportunity to do so, eVision will furnish Online and
its representatives during such period with all information concerning the
Business of the Assets as Online or such representatives may request and cause
the Business’ officers, employees, consultants, agents, accountants and
attorneys to cooperate fully with Online and such representatives and to make
full disclosure of all information and documents requested by Online and/or such
representatives. Any such investigations and examinations shall be conducted at
reasonable times and under reasonable circumstances. No investigation by Online
shall, however, diminish or obviate in any way, or affect Online’s right to
rely upon, any of the representations, warranties, covenants or agreements of
eVision contained in this Agreement or in any other eVision Document. Whether or
not the Closing shall take place, eVision hereby waives any cause of action,
right, or claim arising out of the access of Online or its representatives to
any trade secrets or other confidential business information of eVision from the
date of this Agreement until the Closing Date, except for the intentional
competitive misuse by Online or its representatives of such trade secrets or
other confidential business information if the Closing does not take place. 

	        2.7	
Transactions at the Closing. At the Closing, the following shall occur:

	                
        a.	
Online shall designate instruments of sale, transfer, conveyance, assignment and
confirmation, and eVision shall take such further actions, as Online may
reasonably deem necessary or desirable in order to convey Assets to Online, and
to confirm Online’s title to, all of the Assets, to put Online in actual
possession and operating control thereof and to assist Online in exercising all
rights with respect thereto; and

	                
        b.	
eVision shall deliver relevant books and records of the Assets to Online.

ARTICLE III

ASSUMPTION OF LIABILITIES

	        3.1	
Liabilities Not Assumed. Except to the extent expressly assumed by
Online, Online shall not assume or be liable for any liabilities or obligations
of the Assets, whether the same are direct or indirect, fixed, contingent or
otherwise, known or unknown, whether existing at the Effective Time or arising
thereafter as a result of any act, omission or circumstance taking place prior
to the Effective Time. 

	 	
To
the extent that the assignment of any contract, license, lease, commitment, or
receivable to be assigned to Online shall require the consent of any other party
to such contract, license, lease, commitment, or receivable, this agreement
shall not constitute an agreement to assign the same if an attempted assignment
would constitute a breach thereof. eVision shall use its best efforts to obtain
the consent of the other party to such contract, license, lease, commitment, or
receivable to the assignment thereof to Online. If such consent is not obtained
on or before the Closing Date, eVision shall cooperate with Online in any
reasonable arrangement designed to provide for Online the benefits under any
such contract, license, lease, commitment, or receivable, including enforcement,
at the cost and for the benefit of Online, of any and all rights of eVision
against the other party thereto arising out of the breach or cancellation by
such other party or otherwise.

5

ARTICLE IV

REPRESENTATIONS AND WARRANTIES OF eVISION

eVision hereby represents and
warrants to Online:

	        4.1	
Organization and Good Standing. eVision is a corporation duly organized,
validly existing and in good standing under the Laws of its jurisdiction of
incorporation; has all requisite power to own, lease and operate its assets,
properties and business and to carry on its business as conducted during the
twelve-month period prior to the date hereof, as now conducted and as proposed
to be conducted; and is duly qualified or licensed to do business as a foreign
corporation and is in good standing in every jurisdiction in which the nature of
its business or the location of its properties requires such qualification or
licensing, except for such jurisdictions where the failure to so qualify or be
licensed would not have any adverse effect on the enforceability of any of the
material Contracts or the eVision’s ability to bring lawsuits, or a
material adverse effect upon the condition (financial or otherwise), assets,
liabilities, Business, operations or prospects of the Assets, or eVision’s
ability to perform fully its obligations under this Agreement and the other
eVision Documents. 

	        4.2	
Authority to Execute and Perform Agreements. eVision has all requisite
power, authority and approvals required to enter into, execute and deliver this
Agreement and all of the other eVision Documents and to perform fully the
eVision’s obligations hereunder and thereunder. 

	        4.3	
Due Authorization; Enforceability. eVision has taken all actions
necessary to authorize it to enter into and perform fully its obligations under
this Agreement and all of the other eVision Documents and to consummate the
transactions contemplated herein and therein. This Agreement is, and as of the
Closing Date, the other eVision Documents will be, the legal, valid and binding
obligations of eVision, enforceable in accordance with their respective terms. 

	        4.4	
No Violation. Neither the execution or delivery by eVision of this
Agreement or any of the eVision Documents nor the consummation of the
transactions contemplated herein or therein will: (a) violate any provision of
the Articles of Incorporation, bylaws or other charter documents of the eVision;
(b) violate, conflict with or constitute a default under, permit the termination
or acceleration of, or cause the loss of any rights or options under, any
material Contract; (c) require any authorization, consent or approval of,
exemption or other action by, or notice to, any party to any material contract;
(d) result in the creation or imposition of any Lien or Other Encumbrance upon
any of the Assets which is of a character not permitted by this Agreement; or
(e) violate or require any consent or notice under any Law or order to which
eVision or any of its properties is subject.

6

ARTICLE V

FINANCIAL CONDITION

	        5.1	
Financial Statements. eVision has presented to Online its audited balance
sheets of the Businesses, the related statements of income and retained earnings
and the related statements of changes of financial position or cash flows, which
where required are, certified by the eVision’s independent certified public
accountants, whose reports thereon are included therewith, and said financial
statements (a) were prepared in accordance with the books and records of
eVision; (b) were prepared in accordance with generally accepted accounting
principles consistently applied (except that of the unaudited balance sheets and
the related statements of income do not contain all of the information required
by generally accepted accounting principles); (c) fairly present the
Business’ financial condition and the results of its operations as of the
relevant dates thereof and for the periods covered thereby; (d) contain and
reflect all necessary adjustments and accruals for a fair presentation of the
Business’ financial condition and the results of its operations for the
periods covered by said financial statements (except that the unaudited balance
sheet, and the related statements of income are subject to year-end audit and
adjustments, the net effect of which will not represent a material adverse
change in the financial condition of the Business); and (e) with respect to
contracts and commitments for the sale of goods or the provision of services by
eVision, contain and reflect adequate reserves for all reasonably anticipated
material losses and costs and expenses in excess of expected receipts. 

	        5.2	
Absence of Certain Changes. Except where specifically indicated herein,
eVision has held the Assets only in the ordinary course consistent with its past
practices and has not:

	                
        a.	
suffered any change, event or condition which, in any case or in the aggregate,
has had or could reasonably be expected to have a material adverse effect upon
the Asset’s condition (financial or otherwise), assets, liabilities,
Business, operations or prospects, the value or utility of the Assets, or
eVision’s ability to consummate the transactions contemplated herein; 

	                
        b.	
suffered any destruction, damage to or loss of any Asset (whether or not covered
by insurance) which could reasonably be expected to have a material adverse
effect upon the condition (financial or otherwise), assets, liabilities,
Business, operations, or prospects of the Assets, the value or utility of the
Assets or eVision’s ability to consummate the transactions contemplated
herein; 

	                
        c.	
discharged or satisfied any Lien or Other Encumbrance affecting any of the
Assets other than those then required to be discharged or satisfied, or paid any
obligation or liability, whether absolute, accrued, contingent or otherwise, and
whether due or to become due, other than current liabilities shown on the
Balance Sheet and current liabilities incurred since the Balance Sheet Date in
connection with the purchase of goods or services in the ordinary course of the
Business and consistent with its prior practices; 

	                
        d.	
mortgaged, pledged or subjected any of the Assets to any Lien or Other Encumbrance;

7

	                
        e.	
sold, transferred, leased to others or otherwise disposed of any of the Assets;

	                
        f.	
amended or terminated any material Contract or any License or Permit or received
any notice of termination of any of the same; and

	                
        g.	
instituted, settled or agreed to settle any litigation, action, proceeding or
investigation before any court or governmental body relating to eVision or to
the Assets or suffered any actual or threatened litigation, action, proceeding
or investigation before any court or governmental body relating to eVision or
the Assets.

RTICLE VI

CORPORATE CONDITION

	        6.1	
General. eVision has in all material respects complied with, and is now
in all material respects in compliance with, all Laws and Orders applicable to
eVision or the Assets or the operation of the Business, and no material capital
expenditures will be required in order to insure continued compliance therewith.
No other franchise, license, permit, order or approval of any Authority is
material to or necessary to operate the Assets as previously conducted during
the twelve-month period prior to the date hereof, as presently conducted or as
proposed to be conducted. 

	        6.2	
Litigation. An accurate and complete description of every pending or, to
the knowledge of the eVision, threatened adverse claim, dispute, governmental
investigation, suit, action (including, without limitation, nonjudicial real or
personal property foreclosure actions), arbitration, legal, administrative or
other proceeding of any nature, domestic or foreign, criminal or civil, at law
or in equity, by or against or otherwise affecting the Assets, as known by
eVision, has been presented to Online. eVision has delivered to Online copies of
all relevant court papers and other documents relating to the matters. 

	        6.3	
Title to Assets. Without limiting the representations and warranties as
to specific classes of Assets contained elsewhere herein, eVision has good and
marketable title to each of the Assets owned by it and the valid and enforceable
right to receive and/or use each of the Assets in which eVision has any other
interest, free and clear of all Liens and Other Encumbrances. The delivery to
Online of the instruments of transfer of ownership contemplated by this
Agreement will at the Effective Time vest good and marketable title to, or the
valid and enforceable right to receive and/or use, each such Asset in Online,
free and clear of all Liens and Other Encumbrances.

	        6.4	
Full Disclosure. eVision has heretofore made all of the Books and Records
available to Online for its inspection and has heretofore delivered to Online
copies of all agreements and documents. All documents and other papers delivered
to Online by or on behalf of eVision in connection with this Agreement and the
transactions contemplated herein are accurate, complete and authentic.
Furthermore, the information furnished to Online by or on behalf of eVision in
connection with this Agreement and the transactions contemplated herein does not
contain any untrue statement of a material fact and does not omit to state any
material fact necessary to make the statements made, in the context in which
they are made, not false or misleading. There is no fact which eVision has not
disclosed to Online in writing which could reasonably be expected to have a
Material adverse effect upon the condition (financial or otherwise), assets,
liabilities, business, operations, properties or prospects of the Assets. 

8

ARTICLE VII

REPRESENTATIONS AND WARRANTIES OF ONLINE

Online represents and
warrants to eVision as follows:

	        7.1	
Organization and Good Standing. Online is a corporation duly organized,
validly existing and in good standing under the Laws of its jurisdiction of
incorporation; has all requisite power to own, lease and operate its assets,
properties and business and to carry on its business as conducted during the
twelve-month period prior to the date hereof, as now conducted and as proposed
to be conducted; and is duly qualified or licensed to do business as a foreign
corporation and is in good standing in every jurisdiction in which the nature of
its business or the location of its properties requires such qualification or
licensing, except for such jurisdictions where the failure to so qualify or be
licensed would not have any adverse effect on the enforceability of any of the
material Contracts or Online’s ability to bring lawsuits, or a Material
adverse effect upon the condition (financial or otherwise), assets, liabilities,
Business, operations or prospects of the Online, or Online’s ability to
perform fully its obligations under this Agreement and the other Online
Documents. 

	        7.2	
Authority to Execute and Perform Agreements. Online has all requisite
power, authority and approvals required to enter into, execute and deliver this
Agreement and all of the other Online Documents and to perform fully
Online’s obligations hereunder and there under. 

	        7.2	
Due Authorization; Enforceability. Online has taken all actions necessary
to authorize it to enter into and perform fully its obligations under this
Agreement and all of the other Online Documents and to consummate the
transactions contemplated herein and therein. This Agreement is, and as of the
Closing Date, the other Online Documents will be, the legal, valid and binding
obligations of Online, enforceable in accordance with their respective terms. 

	        7.3	
No Violation. Neither the execution or delivery by eVision of this
Agreement or any of Online Documents nor the consummation of the transactions
contemplated herein or therein will: (a) violate any provision of the Articles
of Incorporation, bylaws or other charter documents of Online; (b) violate,
conflict with or constitute a default under, permit the termination or
acceleration of, or cause the loss of any rights or options under, any material
Contract; (c) require any authorization, consent or approval of, exemption or
other action by, or notice to, any party to any material Contract; (d) result in
the creation or imposition of any Lien or Other Encumbrance upon any of the
Assets which is of a character not permitted by this Agreement; or (e) violate
or require any consent or notice under any Law or Order to which eVision, the
Business or any of its properties is subject. 

9

ARTICLE VIII

CORPORATE CONDITION OF ONLINE

	        8.1	
General. Online has in all material respects complied with, and is now in
all material respects in compliance with, all Laws and orders applicable to
Online or the Debentures, and no material capital expenditures will be required
in order to insure continued compliance therewith. No other franchise, license,
permit, order or approval of any Authority is material to or necessary regarding
the Debentures. 

	        8.2	
Litigation. An accurate and complete description of every pending or, to
the knowledge of the Online, threatened adverse claim, dispute, governmental
investigation, suit, action (including, without limitation, non-judicial real or
personal property foreclosure actions), arbitration, legal, administrative or
other proceeding of any nature, domestic or foreign, criminal or civil, at law
or in equity, by or against or otherwise affecting the Debentures, as known by
Online, has been presented to eVision. Online has delivered to eVision copies of
all relevant court papers and other documents relating to the subject matter. 

	        8.3	
Absence of Certain Changes. Except where specifically indicated herein,
Online has held the Debentures only in the ordinary course consistent with its
past practices and has not:

	                
        a.	
discharged or satisfied any Lien or Other Encumbrance affecting any of the
Debentures other than those then required to be discharged or satisfied, or paid
any obligation or liability, whether absolute, accrued, contingent or otherwise,
and whether due or to become due, other than current liabilities shown on the
Balance Sheet and current liabilities incurred since the Balance Sheet Date in
connection with the purchase of goods or services in the ordinary course of the
Business and consistent with its prior practices; 

	                
        b.	
mortgaged, pledged or subjected any of the Debentures to any Lien or Other Encumbrance;

	                
        c.	
sold, transferred, leased to others or otherwise disposed of any of the Debentures; and

	                
        d.	
instituted, settled or agreed to settle any litigation, action, proceeding or
investigation before any court or governmental body relating to Online or to the
Debentures or suffered any actual or threatened litigation, action, proceeding
or investigation before any court or governmental body relating to Online or the
Debentures.

	        8.4	
Financial statements. Online represents that it has received and reviewed
the financial statements of the Assets.

	        8.5	
Full Disclosure. Online has reviewed all records relating to the Assets
available to Online for its inspection.

	        8.6	
Purchase for Investment. Online represents that its purchase hereunder is
being made for its own account for investment, and with no present intention of
resale. Certain stock certificates presenting the shares purchased under this
agreement may be endorsed with the following restrictive legend: 

10

	 	
“The
Shares represented by this certificate have not been registered under the
Securities Act of 1933, and said Shares may not be offered or sold and no
transfer will then be made by Online or its transferee except in compliance with
the Securities Act of 1933 and the rules and regulations promulgated there
under.”

ARTICLE IX

INDEMNIFICATION

	        9.1	
Indemnification. eVision and Online agree to indemnify, defend, and hold
the other party harmless from and against all demands, claims, actions or causes
of action, assessments, losses, damages, liabilities, including interest,
penalties, and reasonable attorney’s fees, assessed against, resulting to,
imposed upon or incurred by the other party by reason of or resulting from a
breach of any representation, warranty or covenant of that party contained in
this Agreement. 

ARTICLE X

RELEASE

	        10.1	
Releases. Except for the covenants, agreements, representations, and
warranties made herein by the parties and in the assignments and documents to be
delivered at the Closing, none of which are hereby released, Online hereby
releases eVision, its affiliates, and its respective officers, directors, and
employees of and from all claims, demands, and liabilities relating to the
Assets that arise after the Effective Date. 

RTICLE XI

DISPUTE RESOLUTION

	        11.1	
Resolution of Disputes. In the event of a dispute as to this Agreement
and upon written notice to the other party citing this provision, both Parties,
including the involvement of the Parties’ respective Board of Directors,
agree to negotiate in good faith towards resolution of the dispute. 

	                
        a.	
Expedited Arbitration. In the event that negotiation pursuant to this
section does not result in a resolution, disputes shall be resolved by and
through an expedited arbitration (“Expedited Arbitration’’)
proceeding to be conducted under the auspices of the American Arbitration
Association (or any like organization successor thereto) at Denver, Colorado.
Such arbitration proceeding shall be conducted in as expedited a manner as is
then permitted by the commercial arbitration rules (formal or informal) of the
American Arbitration Association. Both the foregoing agreement of the parties to
arbitrate any and all such claims, and the results, determination, finding,
judgment and/or award rendered through such Expedited Arbitration, shall be
final and binding on the parties hereto and may be specifically enforced by
legal proceedings. Arbitration may only be initiated after written notice to the
other party that negotiations have failed. 

11

	                
        b.	
Procedure. Any such Expedited Arbitration may be initiated by written
notice from either party to the other which shall be a compulsory and binding
proceeding on each party. The Expedited Arbitration shall be conducted before a
panel of one arbitrator selected in accordance with the rules pertaining to
expedited arbitration. The costs of said arbitrator and the Expedited
Arbitration shall be borne equally by the parties hereto. Each party shall bear
separately the cost of their respective attorneys, witnesses and experts in
connection with such Expedited Arbitration. Time is of the essence of this
Expedited Arbitration procedure, and the arbitrator shall be instructed and
required to render his decision within ten (10) days following completion of the
Expedited Arbitration. 

	                
        c.	
Venue and Jurisdiction. Any and all legal proceedings to enforce this
Agreement (including any action to compel Expedited Arbitration hereunder or to
enforce any award or judgment rendered thereby), shall be governed in accordance
with the laws of Colorado.

	                
        d.	
Exclusive Remedy. The parties agree that arbitration as set forth above
shall be the sole means of resolving any disputes, claims and controversies
among them arising out of this Agreement.

	                
        e.	
WAIVER OF JURY TRIAL. BOTH PARTIES HEREBY WAIVE THEIR RIGHT TO TRIAL BY
JURY WITH RESPECT TO ANY DISPUTE ARISING UNDER THIS AGREEMENT.

ARTICLE XII

MISCELLANEOUS

	        12.1	
Execution in Counterparts. This Agreement may be executed in one or more
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument.

	        12.2	
Further Assurances.

	                
        a.	
Future Documents. From time to time following the execution of this
Agreement, the Parties shall execute and deliver, or cause to be executed and
delivered, to the other party such documents of conveyance and transfer, in form
reasonably satisfactory to the other party, as the other party may reasonably
request. 

	                
        b.	
Supporting Documents. Parties and their counsel shall have reasonable
access to the following supporting documents of the other Parties: copies of the
Articles of Incorporation, bylaws, resolutions, and other corporate documents of
each Party and all amendments thereto.

	        12.3	
Notices. All notices that are required or may given pursuant to the terms
of this Agreement shall be in writing and shall be sufficient in all respects if
delivered by hand or via a national overnight courier service or mailed by
registered or certified mail postage prepaid, as follows:

         If to eVision:        eVision USA.Com, Inc.
                               1888 Sherman Street, 5th Floor
                               Denver, CO 80203
                               Attention: Robert Trapp, Director

12

         If to Online:         Online Credit Limited
                               2601, Island Place Tower
                               510 King's Road
                               North Point,
                               Hong Kong
                               Attention: Fai Chan, Chairman

	 	
All
notices, requests and other communications shall be deemed given on the date of
actual receipt or delivery as evidenced by written receipt, acknowledgement or
other evidence of actual receipt or delivery to the address. In case of service
by telecopy, a copy of such notice shall be personally delivered or sent by
registered or certified mail, in the manner set forth above, within three (3)
business days thereafter. Either party hereto may from time to time by notice in
writing served as set forth above designate a different address or a different
or additional person to which all such notices or communications thereafter are
to be given.

	        12.4	
Waivers.  Parties, may, by written notice to the other party:

	                
        a.	
extend the time for the performance of any of the obligations or other actions
of the other party under this Agreement;

	                
        b.	
waive any inaccuracies in the representations or warranties of the other party
contained in this Agreement or in any document delivered pursuant to this
Agreement;

	                
        c.	
waive compliance with any of the conditions or covenants of the other party
contained in this Agreement; or

	                
        d.	
waive performance of any of the obligations of the other party under this
Agreement.

	 	
The
waiver by either party of a breach of any provision of this Agreement shall not
operate or be construed as a waiver of any subsequent breach.

	        12.5	
Amendments, Supplements. This Agreement may only be amended by written
document, signed by the Parties.

	        12.6	
Entire Agreement. This Agreement, and any Schedules and Amendments,
constitute the entire agreement among the parties hereto with respect to the
subject matter hereof and supersede all prior agreements and understandings,
oral and written, between the parties hereto with respect to the subject matter
hereof. No representation, warranty, promise, inducement or statement of
intention has been made by any party which is not embodied in this Agreement or
such other documents, and neither eVision, on the one hand, nor Online, on the
other hand, shall be bound by, or be liable for, any alleged representation,
warranty, promise, inducement or statement of intention not embodied herein.

	        12.7	
Applicable Law; Jurisdiction. This Agreement shall be governed by and
construed in accordance with the laws of the State of Colorado. All parties
agree to the jurisdiction of the State of Colorado and agree to resolve disputes
in the courts of Colorado.

	        12.8	
Binding Effect; Benefits. This Agreement shall inure to the benefit of
and be binding upon the Parties hereto and their respective successors and
assigns. Notwithstanding anything contained in this Agreement to the contrary,
nothing in this Agreement, expressed or implied, is intended to confer on any
person other than the parties hereto or their respective successors and assigns
any rights, remedies, obligations or liabilities under or by reason of this
Agreement. 

13

	        12.9	
Assignment. Neither this Agreement nor any of the Parties’ rights
hereunder shall be assignable by any party hereto without the prior written
consent, of which shall not be unreasonably withheld, of the other party hereto.

	        12.10	
Required Regulatory Approval. This Agreement is subject to the Parties
receiving all required approval from their respective regulatory authorities, if
required, including but not limited to the Hong Kong Stock Exchange. 

ARTICLE XIII

EXPENSES; CONFIDENTIALITY

	        13.1	
Expenses of Sale. Each Party shall bear its own direct and indirect
expenses incurred in connection with the negotiation and preparation of this
Agreement and the consummation and performance of the transactions contemplated
herein.

	        13.2	
Confidentiality. Subject to any obligation to comply with (i) any Law
(ii) any rule or regulation of any Authority or securities exchange or (iii) any
subpoena or other legal process to make information available to the Persons
entitled thereto, whether or not the transactions contemplated herein shall be
concluded, all information obtained by any party about any other and all of the
terms and conditions of this Agreement shall be kept in confidence by each
party, and each party shall cause its shareholders, directors, officers,
employees, agents and attorneys to hold such information confidential. Such
confidentiality shall be maintained to the same degree as such party maintains
its own confidential information and shall be maintained until such time, if
any, as any such data or information either is, or becomes, published or a
matter of public knowledge; provided, however, that the foregoing shall not
apply to any information obtained by the Parties through its own independent
investigations of eVision or received by the Parties from a third party not
under any obligation to keep such information confidential nor to any
information obtained by the Parties which is generally known to others engaged
in the trade or business of the Parties; and provided, further, that from and
after the Closing, the Parties shall be under no obligation to maintain
confidential any such information concerning the Agreement. If this Agreement
shall be terminated for any reason, each party shall return or cause to be
returned to the other all written data, information, files, records and copies
of documents, worksheets and other materials obtained by such party in
connection with the transactions contemplated herein. 

	        13.3	
Publicity. No publicity release or announcement concerning this Agreement
or the transactions contemplated herein shall be issued without advance written
approval of the form and substance thereof by the Parties; provided, however,
that such restrictions shall not apply to any disclosure required by regulatory
authorities, applicable Law or the rules of any securities exchange which may be
applicable. 

_______________________________________________________________________________________________________________

(the rest of
this page is left intentionally blank)

14

        IN
WITNESS WHEREOF, this Asset Purchase Agreement has been duly executed and
delivered by the Parties hereto as of the date first written. 

EVISION USA.COM, INC.

By: /s/ Robert H. Trapp        
        

Title:  Managing Director        
        

ONLINE CREDIT LIMITED

By:  /s/ Peter Wong        
                

Title:  Director        
                
        

15

Schedule A:

Debenture
Cancellation Agreement

between

Online Credit Limited

and

eVision USA.Com, Inc.

__________, 2001

As stipulated in, and for consideration stated in, the Asset Purchase Agreement
between Online Credit Limited (Online) and eVision USA.Com, Inc. dated
__________, 2001, Online hereby cancels the outstanding balance of [insert one:

	     ° 	
The $4,000,000 10% Convertible Debenture Due December 15, 2007 dated December
30, 1997 and all subsequent amendments

	     ° 	
The $1,500,000 10% Convertible Debenture Due December 15, 2007 dated May 17,
1998

	     ° 	
The $1,000,000 10% Convertible Debenture Due December 15, 2007 dated August 5,
1998

	     ° 	
The $1,000,000 12% Convertible Debenture Due December 15, 2007 dated November
17, 1998 which subsequently had $160,000 in principal paid down under the
“Supplemental Letter of Agreement to the $500,000 12% convertible debenture
due March 24, 1999 dated September 25, 1998 and all subsequent amendments issued
by eVision to Online Credit and the $1,000,000 12% convertible debenture due
December 15, 2007 dated November 17, 1998 issued by eVision to Online
Credit” dated May 24, 2001.]

ONLINE CREDIT LIMITED

By:                 
                
                
                
   

Title:          
                
                
                
        

Agreed and accepted by:

EVISION USA.COM, INC.

By:                  
                
                
                

Title:          
                
                
                
    

16

Schedule B:

THE SECURITIES REPRESENTED BY THIS DEBENTURE MAY NOT BE OFFERED FOR SALE, SOLD
OR OTHERWISE TRANSFERRED EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT
UNDER THE SECURITIES ACT OF 1933 (THE “ACT”), OR PURSUANT TO AN
EXEMPTION FROM REGISTRATION UNDER THE ACT, THE AVAILABILITY OF WHICH IS TO BE
ESTABLISHED TO THE SATISFACTION OF THE CORPORATION. 

eVISION
USA.COM, INC.

8% Convertible Debenture
Due __________________________

$__________________________

___________________________,
_______________________

FOR VALUE RECEIVED, eVision
USA.Com, Inc., a corporation duly organized and existing under the laws of the
State of Colorado (the “Corporation”), hereby promises to pay to the
order of Online Credit Ltd. (“Holder”) the principal sum of
_____________________, (______________), with interest from the date hereof at
the rate of 8% per annum. Interest only shall be payable on the
______________day of ____________________, ______________, with the final
payment of the entire unpaid principal balance and all accrued and unpaid
interest, if not sooner paid, due and payable on the __________ day of
_________________, _____________ (the “Maturity Date”). At the
election of Holder, interest due hereunder may be paid in shares of the Common
Stock of the Corporation. The Common Stock shall be valued at the Market
Conversion Price (as hereinafter defined) as of the business day before the date
the interest is due. 

        The
unpaid principal amount of this convertible Debenture (“Debenture”)
and all accrued and unpaid interest hereon shall be due and payable by the
Corporation to the Holder on the Maturity Date.

        The
Holder shall have the right, exercisable at the Holder’s option at any time
and from time to time up to and including the Maturity Date (except that, id
this Debenture shall be called for prepayment in full by the Corporation and the
Corporation shall not thereafter default in the making of the prepayment, such
right shall terminate at the close of business on the business day next
preceding the date fixed for prepayment), to convert all or any part of the
unpaid principal amount hereof into fully paid and non-assessable shares of
Common Stock of the Corporation at the Conversion Price, as defined below, upon
surrender or partial surrender of this Debenture to Debenture, upon surrender or
partial surrender for conversion as aforesaid, shall be duly endorsed by or
accompanied by instruments of transfer, in form satisfactory to the Corporation,
duly executed by the Holder or by Holder’s duly authorized attorney. The
Corporation shall not be required to issue fractional shares of Common Stock of
the Corporation, but shall make adjustment therefore in cash based upon the
Conversion Price of the Common Stock of the Corporation as of the date of the
conversion. The certificate representing the shares of Common Stock issued upon
conversion shall contain a legend restricting the transfer thereof similar to
the legend that appears on the top of this Debenture.

        The
term “Conversion Price”, as used with reference to any share of Common
Stock on any specified date, shall mean the lesser of $0.35 or the Market
Conversion Price. The Market Conversion Price shall be determined as follows:

	 	
        (i) if such stock is listed and
registered on any national securities exchange traded on the Nasdaq Stock Market
("Nasdaq"), the average closing sales price over the ten consecutive trading
days prior to the date of conversion on such exchange or Nasdaq;

17

	 	
        (ii) if such stock is not at the
time listed on any such exchange or traded on Nasdaq but is traded on the OTC
Bulletin Board, or if not, on the over-the-counter market as reported by the
National Quotation Bureau or other comparable service, the average of the
closing bid and asked prices for such stock over the ten consecutive trading
days prior to the date of conversion; or

	 	
         (iii) if clauses (i) and (ii)
above are not applicable, the fair value per share of such stock as determined
in good faith and on a reasonable basis by the Board of Directors of the
Corporation and, if requested, set forth in a certificate delivered to the
holder of this Debenture upon the conversion hereof.

	 	
If
any payment of interest or any payment of principal an interest, as the case may
be, is not paid by the Corporation within five(5) business days after the date
on which such payment shall have become due and payable under this Debenture or
upon the bankruptcy or receivership of the Corporation (each, an “Event of
Default”), the Holder may, by giving written notice to the Corporation,
declare the unpaid principal amount hereof and all accrued and unpaid interest
hereon to be immediately due and payable an upon such declaration, the unpaid
principal and payable. Upon the occurrence and continuance of an Event of
Default and upon notice from Holder to the Corporation, the rate of interest on
the Debenture shall increase from 8% per annum to 18% per annum and the
Conversion Price shall change to $0.10 per share of Common Stock:

	 	
Notwithstanding
anything contained herein, Holder shall not be entitled to convert any part of
the unpaid principal amount hereof into fully paid and nonassessable share of
Common Stock of the Corporation if, at the time of conversion, the Corporation
does not have sufficient shares of Common Stock authorized that are not issued
and outstanding or reserved for issuance. In such event, the Holder shall only
be entitled to convert such part of the unpaid principal amount hereof into such
number of fully paid and nonassessable shares of Common Stock of the outstanding
and not reserved for issuance. Upon the occurrence of any such election to
convert, in the event the Corporation does not have a sufficient number of
unissued and reserved shares of Common Stock authorized, the Corporation agrees
to call a meeting of its shareholders to be held as soon as possible to propose
an amendment to the Corporation’s Articles of Incorporation to increase the
number of shares of Common Stock that the Corporation is authorized to issue to
enable the Holder to completer the Holder’s requested conversion. Nothing
contained herein shall prevent the Corporation from issuing and reserving for
issuance such number of shares of the Corporation’s Common Stock as the
Board of Directors of the Corporation deems appropriate, in its sole discretion,
after the date hereof whether or not such issuance or reservation would prevent
the Holder from exercising the Holder’s conversion rights contained herein.

	 	
Should
the indebtedness represented by this Debenture or any part thereof be collected
at law or in equity, or in bankruptcy, receivership or any other court
proceedings (whether at the trial or appellate level), or should this Debenture
be placed in the hands of attorneys for collection upon the occurrence of an
Event of Default, the Corporation agrees to pay, in addition to the principal
and interest due and payable hereon, all costs of collection, including
reasonable attorneys’ fees.

	 	
This
Debenture may be prepaid, in part or in whole, at the option of the Corporation,
at any time or from time to time prior to the Maturity Date, to the Holder
without premium or penalty, together with accrued interest to the date fixed for
prepayment; provided, however, that prepayment in full of this Debenture by the
Corporation shall require not less 30 nor more than 60 days prior notice of
prepayment to the Holder.

18

	 	
Subject
to compliance with the provision of the Securities Act of 1933, as amended, this
Debenture is transferable in the manner authorized by law. Upon surrender of
this Debenture for transfer, accompanied by a written instrument of transfer in
form satisfactory to the Corporation, a new Debenture or Debentures, for a like
aggregate principal amount, will be issued to the transferee.

	 	
Prior
to the transfer of this Debenture, the Corporation may deem and treat all Holder
hereof as the absolute owner hereof (whether or not this Debenture shall be
overdue) for the purpose of receiving payment of or on account of the principal
hereof and interest hereon, and for all other purposes, and the Corporation
shall not be affected by any notice to the contrary.

Except
as expressly provided for herein, the Corporation hereby waives presentment,
demand, notice of demand, protest, notice of protest and notice of dishonor an
any other notice required to be given by law in connection with the delivery,
acceptance, performance, default or enforcement.

	 	
This Debenture shall be governed and construed in accordance with the laws of
the State of Colorado.

IN WITNESS WHEREOF, eVision
USA.Com, Inc. caused this Debenture to be signed by a duly authorized officer on
the date first above written.

                
                
                
                
                
                
eVISION USA.COM, INC.

                
                
                
                
                
                
By:              
                
                

                
                
                
                
                
                

19

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