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                                                                  EXECUTION COPY

                                 PROMISSORY NOTE

$1,000,000.00                                            Pottstown, Pennsylvania
                                                               December 29, 2000

         FOR VALUE RECEIVED, ZipFinancial.com, Inc. (d/b/a BankZip.com), a
corporation duly organized and validly existing under the laws of the
Commonwealth of Pennsylvania (the "Borrower"), promises to pay to the order of
Sedona Corporation, a corporation duly organized and validly existing under the
laws of the Commonwealth of Pennsylvania (the "Lender," which term shall also
include any subsequent holder of this Note), the principal sum of One Million
Dollars ($1,000,000.00) (the "Loan"), or so much thereof as shall have been
advanced under the provisions of the Disbursement Agreement of even date
herewith (the "Disbursement Agreement"), with interest until paid as set forth
in this Note.

         1. Interest. Interest shall accrue and be payable on the unpaid
principal balance of this Note at the rate of six percent (6%) per annum (the
"Interest Rate"). Interest shall be calculated daily on the basis of the actual
number of days elapsed over a 360 day year. Payments of interest shall be due
and payable on the first day of the calendar month. Accrued interest shall be
calculated based on the average daily unpaid principal for the month prior to
the payment.

         2. Repayment. Beginning on the first day of the calendar month
following the month in which first disbursement occurs, and on the first day of
each month thereafter, Borrower shall make monthly payments of interest at the
Interest Rate set forth above in the unpaid principal balance, together with a
payment of principal equal to two percent (2%) of the unpaid principal balance
on the first day of the calendar month.

         3. Maturity Date. The entire unpaid principal amount hereof, together
with, accrued and unpaid interest thereon and all other amounts payable
hereunder, shall be due and payable on, December 29, 2003, the third anniversary
of the Closing Date (the "Maturity Date").

         4.       Application of Payments.  Prior to a default, all payments
received by Lender shall be applied to the following items in the order stated:

                  (I)      Then due payments of interest and late charges, if
any, on the indebtedness hereunder; and

                  (II)     Amortization of the principal of said indebtedness.

         5.       Prepayment.  Borrower shall have the  privilege to prepay the
principal indebtedness, plus all accrued and unpaid interest thereon, in whole
or in part at any time without payment of a premium.


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         6. Late Charges. If any installment of interest or principal or any
other payment due under this Note is not paid within ten (10) days after the
date that the installment or payment is due, Borrower promises to pay Lender a
"late charge" equal to 5% of the aggregate monthly payment required by this
Note. Borrower promises to pay costs of collection, including a reasonable
attorney's fee, if this Note is referred to an attorney for collection after
default.

         7. Default Rate. In the event Borrower shall fail to make any one or
more payments on account of interest, principal, charges, or premiums within ten
(10) days after the date the same shall become due and payable, as is herein or
in the deed of trust securing the indebtedness hereunder provided, Borrower
shall pay to Lender interest on any overdue payment of principal, interest,
charges and premiums at the rate of two percent (2%) per annum above the rate
otherwise payable under the terms of this Note (the "Default Rate"), from the
date the same shall become due and payable until the date paid. Following a
default hereunder or under the Security Agreement, as defined in Section 10
hereof, the term "Interest Rate" as used in this Note shall be deemed to be the
Default Rate.

         8. Place and Time of Payments. All payments due under this Note shall
be made during  regular business hours at Lender's office at


                                     Sedona Corporation
                                     455 South Gulph Road
                                     King of Prussia, PA  19406
                                     Attention:  Bill Williams


or at any other place that Lender may designate in writing, and shall be made in
coin or currency of the United States of America which at the time of payment is
legal tender for the payment of public or private debts. As long as no Event of
Default, as defined in the Security Agreement (itself defined in Section 10
hereof), shall have occurred and be continuing, Lender shall accept payment by
check from Borrower. Any payment tendered other than in coin or currency as
aforesaid shall be accepted by Lender subject to collection.

         9. Security for Note. This Note is secured by that certain Security
Agreement (the "Security Agreement") executed of even date herewith by and
between Borrower and Lender, to which Security Agreement reference is made for a
description of the Property, definition of terms, the nature and extent of the
security, and the rights of Lender and its successors and assigns, in respect of
such security.

         10. Acceleration. Upon any default under this Note or upon an Event of
Default, as defined in the Security Agreement, the unpaid principal with
interest and all other sums secured by the Security Agreement shall at the
option of Lender become immediately due and payable. In the event of such
acceleration, Borrower may discharge its obligations to Lender by paying all
sums due under the Note and the Security Agreement, with interest at the Default
Rate accruing from the date such acceleration is declared. Failure to exercise
this option shall not constitute a waiver of the right to exercise this option
in the event of any subsequent default.


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         11. Payment of Costs. In the event this Note is turned over to an
attorney at law for collection after default, in addition to the principal,
interest, late charges, and/or premiums due hereunder, Lender shall be entitled
to collect, all costs of collection including but not limited to reasonable
attorneys' fees, incurred in connection with protection of or realization of
collateral or in connection with any of Lender's collection efforts, whether or
not suit on this Note or any foreclosure proceeding is filed, and all such costs
and expenses shall be payable on demand and shall also be secured by the
Security Agreement. Borrower agrees that any dollar limit on attorney's fees
provided in this Note apply only in the event Lender's collection and
enforcement efforts are uncontested. If Lender's collection or enforcement
efforts are unsuccessfully contested, Borrower shall pay all of Lender's
reasonable attorney's fees in excess of any express limit hereunder.

         12. Waiver. As to this Note, the Security Agreement, and any other
documents or instruments evidencing or securing the indebtedness (the "Loan
Documents"), Borrower and all guarantors, if any, severally waive all applicable
exemption rights, whether under any state constitution, homestead laws or
otherwise, and also severally waive valuation and appraisement presentment,
protest and demand, notice of protest, demand and dishonor and nonpayment of
this Note, and expressly agree that the maturity of this Note, or any payment
under this Note, may be extended from time to time without in any way affecting
the liability of Borrower and all guarantors.

         13. Waiver of Jury Trial. BORROWER AND, BY ACCEPTANCE OF THIS NOTE,
LENDER EACH WAIVES ALL RIGHTS TO TRIAL BY JURY OF ANY SUITS, CLAIMS,
COUNTERCLAIMS, AND ACTIONS OF ANY KIND ARISING UNDER OR RELATING TO THIS NOTE.
EACH OF BORROWER AND LENDER ACKNOWLEDGES THAT THIS IS A WAIVER OF A LEGAL RIGHT
AND REPRESENTS TO THE OTHER THAT THIS WAIVER IS MADE KNOWINGLY AND VOLUNTARILY.
BORROWER AND LENDER EACH AGREES THAT ALL SUCH SUITS, CLAIMS, COUNTERCLAIMS, AND
ACTIONS SHALL BE TRIED BEFORE A JUDGE OF A COURT OF COMPETENT JURISDICTION,
WITHOUT A JURY.

         14. Business Purpose. Borrower represents and warrants that it is a
business or commercial organization within the meaning of the Pennsylvania
Business Corporation Law, as amended, and Borrower further represents and
warrants that the Loan was made and transacted solely for the purpose of
carrying on a business or commercial enterprise within the meaning of that
subtitle.

         15. Severability. In case any provision (or any part of any provision)
contained in this Note shall for any reason be held to be invalid, illegal, or
unenforceable in any respect, such invalidity, illegality, or unenforceability
shall not affect any other provision (or remaining part of the affected
provision) of this Note, but this Note shall be construed as if such invalid,
illegal, or unenforceable provision (or part thereof) had never been contained
herein but only to the extent it is invalid, illegal, or unenforceable.


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         16. Governing Law. Borrower hereby acknowledges, consents and agrees
(i) that the provisions of this Note and the rights of all parties mentioned
herein shall be governed by the laws of the Commonwealth of Pennsylvania and
interpreted and construed in accordance with such laws (excluding Pennsylvania
conflict of laws) and (ii) that any division of the United States District Court
for the District of Pennsylvania and any court of competent jurisdiction of the
Commonwealth of Pennsylvania shall have jurisdiction and venue in any proceeding
instituted to enforce this Note and any objections to such jurisdiction or venue
are hereby waived.

         17. No Waiver by Lender. No failure on the part of Lender to exercise
any right or remedy hereunder, whether before or after the happening of a
default shall constitute a waiver thereof, and no waiver of any past default
shall constitute waiver of any future default or of any other default. No
failure to accelerate the debt evidenced hereby by reason of default hereunder,
or acceptance of a past due installment, or indulgence granted from time to time
shall be construed to be a waiver of the right to insist upon prompt payment
thereafter or to impose late charges retroactively or prospectively, or shall be
deemed to be a notation of this Note or as a reinstatement of the debt evidenced
hereby or as a waiver of such right or acceleration or any other right, or be
construed so as to preclude the exercise of any right that Lender may have,
whether by the laws of the Commonwealth of Pennsylvania, by agreement, or
otherwise; and Borrower and each endorser or guarantor hereby expressly waives
the benefit of any statute or rule of law or equity that would produce a result
contrary to or in conflict with the foregoing. This Note may not be changed
orally, but only by an agreement in writing signed by the party against whom
such agreement is sought to be enforced.

         18.      Time of the Essence.  Time is of the essence.



                         {Signatures on following page}



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         IN WITNESS WHEREOF, Borrower has caused this Note to be executed and
delivered on its behalf under seal on the date first written above.


WITNESS/ATTEST:                                  BORROWER:
                                                 ZIPFINANCIAL.COM, INC.
                                                 (d/b/a BankZip.com)
                                                 a Pennsylvania corporation



/s/ William K. Williams                          By: /s/ David D. Naugle(SEAL)
-----------------------                              ---------------------------
                                                     Name: David D. Naugle
                                                     Title: Exec. VP & COO


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