<PAGE>

                                                                     Exhibit 4.3

                                 PROMISSORY NOTE

$12,082

                                                        Dated: December 30, 2002
                                                              New York, New York

         FOR VALUE RECEIVED, the undersigned, VIE FINANCIAL GROUP, INC. a
Delaware corporation, ("Vie") promises to pay to the order of SOFTBANK CAPITAL
ADVISORS FUND LP, a Delaware limited partnership ("Softbank"), the principal sum
of Twelve Thousand Eighty-Two and 00/100 Dollars ($12,082), or such lesser
principal amount as shall then equal the outstanding principal amount hereof,
plus interest, in lawful, immediately available money of the United States of
America.

         This Promissory Note ("Note") is issued by Vie pursuant to that certain
Loan Agreement entered into as of December 30, 2002, (the "Loan Agreement"), by
Vie, SOFTBANK Capital Partners LP, SOFTBANK Capital Advisors Fund LP, SOFTBANK
Capital LP, Draper Fisher Jurvetson ePlanet Ventures L.P., Draper Fisher
Jurvetson ePlanet Partners Fund, LLC and Draper Fisher Jurvetson ePlanet
Ventures GmbH & Co. KG. Capitalized terms not otherwise defined in this Note
shall have the meaning set forth in the Loan Agreement, which definitions are
incorporated herein. The terms of the Loan Agreement are also incorporated
herein.

         Vie further agrees as follows:

         1.     Interest Rate. Interest on the outstanding principal balance of
this Note shall accrue at the rate of eight percent (8%) per annum, simple
interest calculated based on a 360-day year of twelve 30-day months, from the
Closing Date until the Loan is paid in full. Upon the occurrence and during the
continuance of an Event of Default, interest on the outstanding principal
balance of this Note shall accrue at the Default Rate specified in Section 4.2
of the Loan Agreement and shall be compounded every 90 days following the
Closing Date. However, in no event shall the interest rate exceed the maximum
rate permitted by law. Interest shall be payable on the Maturity Date.

         2.     Payment of Principal and Interest. The outstanding principal
balance of this Note, together with all accrued but unpaid interest, shall be
due and payable on the Maturity Date.

         3.     Loan Agreement and Prepayment. This Note is issued pursuant to
the terms of the Loan Agreement. Voluntary prepayments of this Note may not be
made except pursuant to Section 3.3 of the Loan Agreement.

         4.     Conversion. Under certain circumstances the principal of, and
interest on, this Note may be converted, automatically or at the option of the
holder, into shares of Stock as set forth in Section 3.5 of the Loan Agreement.

<PAGE>

         5.     Default. Subject to the subordination provisions set forth in
Article 9 of the Loan Agreement, if an Event of Default shall occur, then all
amounts due or to become due under this Note or under any of the other
Transaction Documents shall become, or may be declared, immediately due and
payable, all as further provided in the Loan Agreement.

         6.     Subordination. The  obligations of Vie in respect of this Note
are subordinated to the obligations of Vie under the RGC Note as set forth in
Article 9 of the Loan Agreement.

         7.     Maximum Amount of Interest. Notwithstanding any contrary
provision, the total liability of Vie for payment of interest hereunder shall
not exceed the maximum amount of interest permitted by law, and if any payment
made by the Vie includes interest in excess of such a maximum amount, Softbank
shall at any time before or after default apply such excess to the reduction of
principal hereunder.

         8.     Waivers by Vie. Subject to any provisions to the contrary in the
Loan Agreement, Vie waives presentment for payment, demand, notice of
nonpayment, notice of protest and protest of this Note, and all notices in
connection with the delivery, acceptance, or dishonor of this Note. Vie agrees
that (a) if for any reason any amount due hereunder is paid by cashier's,
certified teller's check or other check, there shall be no discharge of Vie's
obligation until said check be finally paid by the issuer thereof; and (b) Vie
shall have waived any rights to any accord and satisfaction of any now or
hereafter existing claim in dispute between Softbank and Vie (or any of their
respective successors and assigns), all of which provisions and rights are
hereby waived.

         9.     No Waiver by Softbank. Softbank shall not by any act of omission
or commission be deemed to waive any of its rights or remedies under this Note
or the Loan Agreement unless such waiver shall be in writing and signed by
Softbank, and then only to the extent specifically set forth therein.

         10.    Costs and Fees. Vie agrees to pay to Softbank all Costs and Fees
(including without limitation, reasonable attorneys' fees) payable under the
provisions of the Loan Agreement, including but not limited to Section 4.1
thereof, all of which provisions are incorporated herein by this reference.

         11.    Application of Article 3. Vie and Softbank agree that the
provisions of Article 3 of the Uniform Commercial Code of New York pertaining to
instruments shall be applied to this Note, even if this Note is not deemed to be
an "instrument" or a "negotiable instrument" thereunder, except that no assignee
of this Note shall have the status of a "holder-in-due course" under that
Article.

<PAGE>

         12.    Governing Law; Venue. This Note shall be governed by and
construed in accordance with the internal laws of the State of New York. Without
impairing the other agreements made by Vie in the Loan Agreement, Vie hereby
irrevocably makes the agreements set forth in Section 10.5 (Governing Law;
Venue) of the Loan Agreement.

                                               VIE FINANCIAL GROUP, INC.,
                                               a Delaware corporation


                                               By___________________________

                                               Its___________________________

      [Signature Page to SOFTBANK Capital Advisors Fund LP Promissory Note]