Document:

EXHIBIT 10.41

                                 PROMISSORY NOTE
          -------------------------------------------------------------
                  BORROWER:  SEDONA CORPORATION
                             1003 WEST NINTH AVENUE
                             2ND FLOOR
                             KING OF PRUSSIA, PENNSYLVANIA  19406

                  LENDER:    OAK HARBOR INVESTMENT PROPERTIES, L.L.C.
                             11822 JUSTICE AVENUE, SUITE B-6
                             BATON ROUGE, LOUISIANA 70816
          -------------------------------------------------------------

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                                 PROMISSORY NOTE

PRINCIPAL AMOUNT: $600,000.00
INTEREST RATE:    7%
DATE OF NOTE:     JANUARY 13, 2003

                  PROMISE TO PAY. Sedona Corporation, a Pennsylvania corporation
with its principal place of business at 1003 West Ninth Avenue, 2nd Floor, King
of Prussia, Pennsylvania 19406 ("Borrower") promises to pay to the order of Oak
Harbor Investment Properties, L.L.C. ("Lender"), in lawful money of the United
States of America the sum of Six Hundred Thousand and NO/100 Dollars (U.S.
$600,000.00), together with simple interest at the rate of 7% per annum assessed
on the unpaid principal balance of this Note as outstanding from time to time,
commencing on January 13, 2003 and continuing until this Note is paid in full.

                  PAYMENT. Borrower will pay one installment of all accrued but
unpaid interest and all unpaid principal, which payment shall be due and payable
on January 7, 2004. Unless otherwise agreed or required by applicable law,
payments will be applied first to accrued unpaid interest, then to principal,
and any remaining amount to any unpaid collection costs and late charges. The
annual interest rate for this Note is computed on a 365/360 basis; that is, by
applying the ratio of the annual interest rate over a year of 360 days,
multiplied by the outstanding principal balance, multiplied by the actual number
of days the principal balance is outstanding. Borrower will pay Lender at
Lender's address shown above or at such other place as Lender may designate in
writing.

                  TERM EXTENSION. As long as the Company is not otherwise in
default, the Company may at its option extend the loan for three (3) successive
one-(1) year periods by reducing the principal amount of the loan by 25% of the
original loan amount and pay current all unpaid interest.\

                  PREPAYMENT. Borrower may prepay this Note in full at any time
by paying the then unpaid principal balance of this Note, plus accrued simple
interest and any unpaid late charges through date of prepayment. If Borrower
prepays this Note in full, or if Lender accelerates payment, Borrower
understands that, unless otherwise required by law, any prepaid fees or charges
will not be subject to rebate and will be earned by Lender at this time this
Note is signed. Early payments will not, unless agreed to by Lender in writing,
relieve Borrower of Borrower's obligation to continue to make payments under the
payment schedule. Rather, early payments will reduce the principal balance due.
Borrower agrees not to send Lender payments marked "paid in full," "without
recourse," or similar language. If Borrower sends such a payment, Lender may
accept it without losing any of Lender's rights under this Note, and Borrower
will remain obligated to pay any further amount owed to Lender. All written
communications concerning disputed amounts, including any check or other payment
instrument that indicates that the payment constitutes "payment in full" of the
amount owed or that is tendered with other conditions or limitations or as full
satisfaction of a disputed amount must be mailed or delivered to: Oak Harbor
Investment Properties, L.L.C., 11822 Justice Avenue, Suite B-6, Baton Rouge,
Louisiana 70816.

                  LATE CHARGE. If Borrower fails to pay any payment under this
Note in full within 10 days of when due, Borrower agrees to pay Lender a late
payment fee in an amount equal to 5.000% of the unpaid amount of interest and
principal then due and owing under this Note. Late charges will not be assessed
following declaration of default and acceleration of the maturity of this Note.

                  INTEREST AFTER DEFAULT. Upon default, including failure to pay
upon final maturity, the total sum due under this Note will bear interest from
the date of acceleration or maturity at the interest rate on this Note plus 3%,
but not to exceed 18%. The interest rate will not exceed the maximum rate
permitted by applicable law.

                  DEFAULT. Each of the following shall constitute an event of
default ("Event of Default") under this Note:

(1) PAYMENT DEFAULT. Borrower fails to make any payment when due under this
Note.

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(2)      DEFAULT UNDER SECURITY AGREEMENTS. Should Borrower violate, or fail to
         comply fully with any of the terms and conditions of, or default under
         any security right, instrument, document, or agreement directly or
         indirectly securing repayment of this Note.

(3)      OTHER DEFAULTS IN FAVOR OF LENDER. Should Borrower default under any
         other loan, extension of credit, security right, instrument, document,
         or agreement, or obligation in favor of Lender including, but not
         limited to, the Working Capital Financing agreement by and between
         Borrower and Lender dated January 13, 2003.

(4)      READJUSTMENT OF OBLIGATIONS. Should proceedings for readjustment of
         indebtedness, reorganization, bankruptcy, composition or extension
         under any insolvency law be brought by or against Borrower.

(5)      ASSIGNMENT FOR BENEFIT OF CREDITORS. Should Borrower file proceedings
         for a respite or make a general assignment for the benefit of
         creditors.

(6)      RECEIVERSHIP. Should a receiver of all or any part of Borrower's
         property, be applied or appointed.

(7)      DISSOLUTION PROCEEDINGS. Should proceedings for the dissolution or
         appointment of a liquidator of Borrower be commenced.

(8)      FALSE STATEMENTS. Should any warranty, representation or statement made
         or furnished to Lender by Borrower or on Borrower's behalf related
         documents be false or misleading in any material respect, either now or
         at the time made or furnished or becomes false or misleading at any
         time thereafter.

(9)      MATERIAL ADVERSE CHANGE. Should any material adverse change occur in
         the financial condition of Borrower or should any material discrepancy
         exist between the financial statements submitted by Borrower and the
         actual financial condition of Borrower or such guarantor.

                  LENDER'S RIGHTS UPON DEFAULT. Should any one or more default
events occur or exist under this Note as provided above, Lender shall have the
right, at Lender's sole option, to declare formally this Note to be in default
and to accelerate the maturity and insist upon immediate payment in full of the
unpaid principal balance then outstanding under this Note, plus accrued
interest, together with reasonable attorneys' fees, costs, expenses and other
fees and charges as provided herein. Lender shall have the further right, again
at Lender's sole option, to declare formal default and to accelerate the
maturity and to insist upon immediate payment in full of each and every other
loan, extension of credit, debt, liability and/or obligation of every nature and
kind that Borrower may then owe to Lender, whether direct or indirect or by way
of assignment, and whether absolute or contingent, liquidated or unliquidated,
voluntary or involuntary, determined or undetermined, secured or unsecured,
whether Borrower is obligated alone or with others on a "solidary" or "joint and
several" basis, as a principal obligor or otherwise, all without further notice
or demand, unless Lender shall otherwise elect.

                  ATTORNEY'S FEES; EXPENSES. If Lender refers this Note to an
attorney for collection, or files suit against Borrower to collect this Note, or
if Borrower files for Bankruptcy or other relief from creditors, Borrower agrees
to pay Lender's reasonable attorneys' fees.

                  GOVERNING LAW. This Note will be governed by, construed and
enforced in accordance with federal law and the laws of the State of Louisiana
without giving effect to any principles of choice of laws or conflicts of law
that may require another law, other than the internal laws of the State of
Louisiana, to apply. This Note has been accepted by Lender in the State of
Louisiana.

                  FINANCIAL STATEMENTS. Borrower agrees to provide Lender with
such financial statements and other related information at such frequencies and
in such detail as Lender may reasonably request.

                  WAIVERS. Borrower and each guarantor of this Note hereby waive
demand, presentment for payment, protest, notice of protest and notice of
nonpayment, and all pleas of division and discussion, and severally agree that
their obligations and liabilities to Lender hereunder shall be on a "solitary"
or "joint and several" basis.

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Borrower and each guarantor further severally agree that discharge or release of
any party who is or may be liable to Lender for the indebtedness represented
hereby, or the release of any collateral directly or indirectly securing
repayment hereof, shall not have the effect of releasing any other party or
parties, who shall remain liable to Lender, or of releasing any other collateral
that is not expressly released by Lender. Borrower and each guarantor
additionally agree that Lender's acceptance of payment other than in accordance
with the terms of this Note, or Lender's subsequent agreement to extend or
modify such repayment terms, or Lenders failure or delay in exercising any
rights or remedies granted to Lender, shall likewise not have the effect of
waiving any of Lender's rights and remedies. Any partial exercise of any rights
and/or remedies granted to Lender shall furthermore not be construed as a waiver
of other rights and remedies; it being Borrower's intent and agreement that
Lender's rights and remedies shall be cumulative in nature. Borrower and each
guarantor further agree that, should any default event occur or exist under this
Note, any waiver or forbearance on the part of Lender as to one default event
shall not be construed as a waiver or forbearance as to any other default.
Borrower and each guarantor of this Note further agree that any late charges
provided for under this Note will not be charges for deferral of time for
payment and will not and are not intended to compensate Lender's for a grace or
cure period, and not such deferral, grace or cure period has or will be granted
to the Borrower in return for the imposition of any late charge. Borrower
recognizes that Borrower's failure to make timely payments of amounts due under
this Note will result in damages to Lender, including but not limited to
Lender's loss of the use of amounts due, and Borrower agrees that any late
charges imposed by Lender hereunder will represent reasonable compensation to
Lender for such damages. Failure to pay in full any installment or payment
timely when due under this Note, whether or not a late charge is assessed, will
remain and shall constitute an Event of Default hereunder.

                  SUCCESSORS AND ASSIGNS LIABLE. Borrower's and each guarantor's
obligations and agreements under this Note shall be binding upon Borrower's and
each guarantor respective successors.

                  CAPTION HEADINGS. Caption headings in this Note are for
convenience purposes only and are not to be used to interpret or define the
provisions of this Note.

                  SEVERABILITY. If any provision of this Note is held to be
invalid, illegal or unenforceable by any court, that provision shall be deleted
from this Note and the balance of this Note shall be interpreted as if the
deleted provision never existed.

                  APPLICABLE LENDING LAW. This business or commercial Note is
subject to La. R.S. 9:3509, et seq. Borrower, by signing this Note, acknowledges
and agrees that the proceeds of this Note will be used for business and
commercial purposes.

                  PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL
THE PROVISIONS OF THIS NOTE.

BORROWER:

SEDONA CORPORATION

BY:  ______________________, ITS ____________________

STATE OF  ___________________________________________

COUNTY OF  __________________________________________

                  I, the undersigned authority, a Notary Public, in and for said
county in said state, hereby certify that ________________________________, the
__________________ of SEDONA CORPORATION, whose name is signed to the foregoing
instrument, and who is known to me, acknowledged before me on this day that,
being informed of the contents of said Agreement, he or she executed the same
voluntarily on the day the same bears date.

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<PAGE>

                  GIVEN UNDER MY HAND AND OFFICIAL SEAL THIS __________________
DAY OF _______________, 2003.

___________________________________________
NOTARY PUBLIC

MY COMMISSION EXPIRES _____________________

                                       4EXHIBIT 10.42

                                CONVERTIBLE NOTE
--------------------------------------------------------------------------------
BORROWER:         SEDONA CORPORATION
                  1003 WEST NINTH AVENUE
                  2ND FLOOR
                  KING OF PRUSSIA, PENNSYLVANIA 19406

LENDER:           DAVID R. VEY
                  RICHARD T. HARTLEY
                  11822 JUSTICE AVENUE
                  BATON ROUGE, LOUISIANA
--------------------------------------------------------------------------------

<PAGE>

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933 (THE "ACT")
OR ANY APPLICABLE STATE SECURITIES LAWS. IT MAY NOT BE SOLD, OFFERED FOR SALE,
PLEDGED OR HYPOTHECATED IN THE ABSENCE OF A REGISTRATION STATEMENT IN EFFECT
WITH RESPECT TO THE SECURITIES UNDER SUCH ACT OR AN OPINION OF COUNSEL
SATISFACTORY TO THE COMPANY THAT SUCH REGISTRATION IS NOT REQUIRED.

                                CONVERTIBLE NOTE
                                ----------------

$100,000.00                                        KING OF PRUSSIA, PENNSYLVANIA

                  FOR VALUE RECEIVED, the undersigned, SEDONA CORPORATION, a
Pennsyvania Corporation ("Maker"), promises to pay DAVID R. VEY and RICHARD T.
HARTLEY ("Holder"), with an address of 11822 Justice Avenue, Suite B-6, Baton
Rouge, Louisiana 70816, the principal sum of ONE HUNDRED THOUSAND AND NO/100
DOLLARS ($100,000.00), together with interest thereon at the rate of seven
percent (7%) per annum from the date hereon until the earlier of Maturity or the
date upon which the unpaid balance shall be paid in full.

                  1. Definitions. The following definitions are applicable to
the words, phrases or terms used in this Note.

                     (a)   The term "Average Daily Price" shall mean the average
                           high and low sales prices of a share of the Maker's
                           common stock as reported by the Principal Market.

                     (b)   The term "Common Stock" shall mean the Maker's common
                           stock, par value $0.001 per share.

                     (c)   The term "Holder" shall mean and include all
                           successor and assigns of any owner or holder of this
                           Note.

                     (d)   The term "Maker" shall mean and include all makers,
                           co-makers and other parties signing on the face of
                           this Note and their successors and assigns, and the
                           use of the plural number shall include the singular
                           and vice versa.

                     (e)   The term "Maturity" shall mean the date on which this
                           Note shall be due and payable in full, which date
                           shall be January 5, 2004.

                     (f)   The term "Principal Market" shall mean the American
                           Stock Exchange, the New York Stock Exchange, the
                           NASDAQ National Market, the NASDAQ Small Cap Market
                           or the OTC Bulletin Board, which is at the time the
                           principal trading exchange or market for the Common
                           Stock, based upon the share volume.

                  2. Terms of Payment. The Note shall be paid in full, as to
principal and any unpaid interest, on or before Maturity. Such Maturity may be
extended at the option of the

<PAGE>

Company for three (3) successive years by the Company. Holders shall have the
right to convert the Note and accrued interest into Common Stock time. Unless
otherwise designated in writing, mailed or delivered to Maker, the place for
payment of the indebtedness evidenced by this Note shall be Holder's principal
address as noted above. Payments received on this Note shall be applied first to
the accrued interest and the balance to principal.

                  3. Events of Default. The following shall constitute an Event
of Default:

                     (a)   In the event Maker shall fail (i) to pay any sums due
                           hereunder when due, or (ii) to observe or perform any
                           term, condition, covenant, representation or warranty
                           set forth herein, when due or required, or within any
                           period of time permitted thereunder for cure of any
                           such default or non-performance.

                     (b)   In the event Maker shall fail to pay any invoice or
                           any other sum, which may be due and payable to
                           Holder, when due or required, according to the terms
                           thereunder unless prior written waiver has been
                           granted to Maker by Holder.

                  4. Acceleration of Maturity. Upon the happening of any Event
of Default, the unpaid principal and interest due Holder shall, at the option of
the Holder, become immediately due and payable.

                  5. Limitation on Interest. In no contingency, whether by
reason of acceleration of the Maturity of this Note or otherwise, shall the
interest contracted for, charged or received by Holder exceed the maximum amount
permissible under applicable law. If, from any circumstance whatsoever, interest
would otherwise be payable to Holder in excess of the maximum lawful amount, the
interest payable to Holder shall be reduced to the maximum amount permitted
under applicable law; and, if from any circumstance the Holder shall ever
receive anything of value deemed interest by applicable law in excess of the
maximum lawful amount, an amount equal to any excessive interest by applicable
law shall be applied to the reduction of the principal of this Note and not to
the payment of interest, of if such excessive interest exceeds the unpaid
balance of principal of Note such excess shall be refunded to Maker. All
interest paid or agreed to be paid to Holder shall, to the extent permitted by
law, be amortized, prorated, allocated, and spread throughout the full period
until payment in full of the principal of the Note (including the period of any
renewal or extension thereof) so that interest thereon for such full period
shall not exceed the maximum amount permitted by applicable law.

                  6. Remedies; Nonwaiver. Failure of Holder to exercise any
right or remedy available to Holder upon the occurrence of an Event of Default
hereunder shall not constitute a waiver on the part of the Holder of the right
to exercise any such right or remedy for that Event of Default or any subsequent
Event of Default. The exercise of any remedy by Holder shall not constitute an
election of any such remedy to the exclusion of any other remedies afforded
Holder at law of in equity, all such remedies being nonexclusive and cumulative.
If an Event of Default occurs under this Note and this Note is referred to an
attorney at law for collection, Maker agrees to pay all costs incurred by Holder
incident to collection, including but not limited to reasonable attorney fees
(such fees not to exceed ten percent (10%) of the then outstanding principal
balance

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<PAGE>

of the Note), enforceable as a contract of indemnity, plus all court
costs and other expenses incurred at or prior to the trial and in connection
with any and all appeals.

                  7. Waivers. The Maker endorses, sureties and guarantors
hereof, if any, severally (i) waive presentment, protest and demand, (ii) waive
notice of protest, demand, dishonor and non payment of this Note, and (iii)
expressly agree that this Note may be renewed in whole or in part, or any non
payment hereunder may be extended, or a new note of different form may be
substituted for this note or changes may be made in consideration of the
extension of the Maturity Date hereof, or any combination thereof, form time to
time, but, in any singular event or any combination of such events, neither
Maker no endorser, surety or guarantor will be released from liability by
reasons of the occurrence of any such event, nor shall Holder hereof be deemed
by the occurrence of any such event to have waived or surrendered, either in
whole or in part, any right it otherwise might have.

                  8. Option to Convert Note Into Stock.

                     (a)   Holder shall have the sole right and option to
                           convert (the "Conversion Right") the unpaid balance
                           of this Note, together with all accrued and unpaid
                           interest, into shares of Maker's voting common stock
                           (the "Shares") having all rights inherent in common
                           stock under the Maker's Articles of Incorporation and
                           Bylaws in effect as of the date hereof (the
                           "Option"). The number of Shares to be paid on
                           conversion shall be Ten Million (10,000,000).

                     (b)   Maker shall file a registration statement to register
                           for resale under the Securities Act of 1933, as
                           amended (the "Securities Act") all Shares that may be
                           issued under subsections of this Note. The
                           Registration Statement for Conversion of Common Stock
                           shall be filed within sixty (60) days of Conversion.

                  9. Mechanics of Conversion. Before the Holder shall be
entitled to convert this Note into Shares, the Holder shall surrender this Note,
duly endorsed, at the office of the Maker, and shall give written notice to the
Maker at its principal corporate office of the election to convert the same and
shall state therein the name or names in which the certificate or certificates
for the Shares are to be issued (the "Notice of Conversion"). The Maker shall,
promptly thereafter, issue and deliver to such persons at the address specified
by the Holder, a certificate or certificates for the Shares to which the Holder
is entitled. Such conversion shall be deemed to have been made immediately prior
to the close of business on the date of surrender of this note, and the persons
entitled to receive the Shares issuable upon such conversion shall be treated
for all purposes as the record holder or holders of such Shares as of such date.
No fractional shares shall be issued upon conversion of this Note and the number
of Shares to be issued shall be rounded down to the nearest whole share.

                  10. Prepayment. The Maker may prepay any part of or the entire
balance of this Note without penalty.

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<PAGE>

                  11. Controlling Law. This Note shall be governed by and
construed in accordance with the laws of the Commonwealth of Pennsylvania (other
than its conflict of laws principles) and the provisions of applicable federal
law.

                  12. Shareholder Status. Nothing contained in this Note shall
be construed as conferring upon the Holder the right to vote or to receive
dividends or to consent to or receive the notice as a shareholder in respect of
any meeting of shareholders for the election of directors of the Maker or of any
other matter, or any rights whatsoever as a shareholder of the Maker prior to
conversion thereof.

                  13. Notices. Any notice required or permitted under this Note
shall be in writing and shall be deemed to have been given on the date of
delivery, if personally delivered or delivered by courier, overnight express or
other method of verified delivery, to the party to whom notice is to be given,
and addressed to the addressed at the address of the addressee set forth herein,
or the most recent address, specified by written notice, given to the sender
pursuant to this paragraph.

                EXECUTED AND EFFECTIVE as of this the ____ day of January, 2003.

                Maker's Address                     MAKER

                1003 West 9th Avenue                SEDONA CORPORATION
                2nd  Floor
                King of Prussia, Pennsylvania 19406

                                                    By: ____________________
                                                        Marco A. Emrich
                                                        Chief Executive Officer

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