EXHIBIT 10.48

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      [sedona.jpg] Master Software License Agreement Addendum No. 3 May 13, 2004

ADDENDUM NO. 3 TO MASTER SOFTWARE LICENSE AGREEMENT DATED APRIL 18, 2002

BETWEEN

FISERV SOLUTIONS, INC.

AND

SEDONA CORPORATION

This addendum (hereinafter referred to as the "Addendum") is made and entered
into this _________ day of March, 2004 (hereinafter referred to as the
“Effective Date”), by and between SEDONA CORPORATION with offices at 1003 West
9th Avenue, 2nd Floor, King of Prussia, Pennsylvania 19406 (hereinafter
individually referred to as "Licensor"), and FISERV SOLUTIONS, INC., a Wisconsin
Corporation with offices at 912 Fort Duquesne Boulevard, Pittsburgh,
Pennsylvania 15222-3602 (hereinafter individually referred to as “Licensee”)
[hereinafter referred to jointly as the “Parties”].

BACKGROUND

WHEREAS, Licensor and Licensee entered into a Master Software License Agreement
on April 18, 2002, as amended (hereinafter referred to as the "MSLA");

WHEREAS, on June 30, 2003, Licensee elected to cancel the maintenance services
as describe in Paragraphs 9.2 (a), (b), (c), and (d) of the MSLA;

WHEREAS, the cancellation of maintenance nullified all rights to subsequent
releases, updates, upgrades, patches and corrections. Licensee now desires to
license the updates, upgrades, patches, and corrections to the Licensed
Product(s);

WHEREAS, the “MSLA” and Addendum No.2 required that Licensor’s relationship with
Licensee’s business units be administered solely through the Informent Division
(now known as Customer Contact Solutions (hereinafter referred to as “CCS”)),
Licensor and Licensee now desire to amend this requirement to allow Licensor to
sell directly to all other Licensee’s business units; and

WHEREAS, Licensee now desires to acquire certain Licensed Products and support
previously canceled; and

WHEREAS, Licensor desires to provide Licensee with such Licensed Product(s) on
the terms and conditions set forth below.

NOW, THEREFORE, in consideration of the foregoing, and in reliance on the mutual
agreements contained herein, the Parties agree to the revised payment terms and
to amend the MSLA and Addendum No.2 as provided in this Addendum:

  1. PAYMENT TERMS             1.1 In consideration to Licensor’s agreement to
renew Licensee’s right to Licensed Product(s), previously canceled by Licensee,
Licensee agrees to pay Licensor, on the Effective Date of this Addendum, a one
time, non-refundable fee in the amount of Two Hundred Eighty Thousand

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      [sedona.jpg] Master Software License Agreement Addendum No. 3 May 13, 2004

 

      Four Hundred Dollars and No Cents ($280,400.00) (hereinafter referred to
as the “License Renewal Fee”). The License Renewal Fee shall not be paid in cash
but be credited to the current balance of Licensee’s prepaid Continuing Royalty.
This License Renewal Fee shall be paid in full on or before March 31, 2004.    
        1.2 Licensor shall provide up to 750 personnel hours of professional
services and customer support services, at a rate of one hundred and thirty
three dollars ($134.00) per hour, (hereinafter referred to as “Service Hours”)
to CCS, at no cost, until December 31, 2004. CCS shall be responsible for
reimbursement, upon receipt of invoice from Licensor for such services, of
actual and reasonable travel and other related expenses incurred therewith. CCS
shall provide Licensor ten (10) days prior to each month a written summary of
the specific projects to be performed by Licensor. In the event that CCS does
not use all Service Hours by December 31, 2004, Licensor agrees to reimburse
Licensee, at the same rate specified above, the amount equivalent to the
professional services and customer support services hours not utilized by
Licensee by January 31, 2005.             1.3 Licensor shall provide Licensee
with Maintenance Services for the Licensed Product(s) in compliance with
paragraphs 9.2.a through 9.2.f of the MSLA as amended for a period of 3 (three)
years from the effective date of this Addendum. The Maintenance Services can
only be canceled by a default by Licensor as specified in accordance with the
provisions of the MSLA as amended. If either party fails to observe or perform
any material obligation under the MSLA as amended, the non-defaulting party may
give written termination notice to the defaulting party specifying the material
failure. Non-defaulting party may, at its sole option, terminate this Agreement
30 days after notice of default has been received by the defaulting party unless
the default is corrected within such 30 day period; provided that, with respect
to default by Licensee in payment of undisputed amounts due for Maintenance
Services, Licensor shall only have the right to terminate the Maintenance
Services and may not terminate the remainder of this Agreement.             1.4
Licensor shall provide Intarsia version 4.1 to CCS within ten (10) days of the
Effective Date of this Addendum. Licensor agrees to exempt CCS from paying
Maintenance Services fees for any installation of Intarsia version 4.1, or any
prior version of Licensed Product(s), in to the current WalletShare customer
base (hereinafter referred to as the “Customer Base”) set forth in Exhibit A.
CCS shall pay Licensor Maintenance Services fees, in accordance with the MSLA as
amended, on all subsequent releases, updates, upgrades and enhancements of the
Licensed Product(s).             1.5 Upon execution of this Addendum, Licensee
agrees to pay to Licensor all outstanding invoices dated on or before March 15,
2004.           2.  AMENDMENTS TO “MSLA” APRIL 18, 2002.             2.1 Add
paragraph 1.23. ““Relative Contribution” means the percentage value of the whole
product that is represented by Licensed Product(s), as mutually agreed upon by
the Licensee and Licensor.”

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      [sedona.jpg] Master Software License Agreement Addendum No. 3 May 13, 2004

            2.2  Replace paragraph 3.3. “Reports. In order to comply with the
requirements of the Sarbanes-Oxley Act, following the third day of each calendar
quarter, Licensee shall submit to Licensor a quarterly report of all Licensed
Product(s) distributed by Licensee during such quarter, all fees payable to
Licensor with respect thereto, and any other information reasonably requested by
Licensor. To the extent Licensee may have earned fees from the Licensor pursuant
to its promotion of the Licensed Product(s), Licensor shall provide reporting as
described in the preceding sentence.”             2.3 Replace paragraph 3.5. “No
Resale Price Restrictions. Licensor and each business unit of Licensee engaged
in marketing the Licensed Product(s) shall mutually develop the pricing
structure of Licensed Product(s). The pricing structure shall be competitive and
consistent with pricing practices of each business units’ specific target
market.”             2.4 Add paragraph 4.5. “Licensee grants Licensor the right
to sell Licensed Product(s) directly to any business unit or affiliate of
Licensee.”             2.5  Add paragraph 9.2.g. “Licensor shall provide support
for the most recent Version and the one (1) previous version.”             2.6
Replace paragraph 12.3. “Notwithstanding anything herein to the contrary, in the
event of (a) termination for Licensor breach; or (b) bankruptcy, insolvency,
re-organization or dissolution of Licensor, provided that Licensor is unable to
perform its obligations under this Agreement, the license granted in Section 2
hereunder shall continue in perpetuity, but the payment obligations under
Section 2 shall cease.”             2.7 Replace paragraph 13.16. Notices. All
notices shall be sent by certified or registered mail, return receipt requested,
or by personal delivery, to the following addresses:

        If to Licensee: Fiserv Solutions, Inc.     912 Fort Duquesne Boulevard  
  Pittsburgh, PA 15222-3602     Attention: Chief Financial Officer         with
a copy to: Fiserv, Inc.     255 Fiserv Drive     Brookfield, WI 53045    
Attention: Jeffrey Perzan, Esq.         If to Licensor: SEDONA Corporation    
1003 West 9th Avenue     Second Floor     King of Prussia, PA 19406    
Attention: Chief Financial Officer         with a copy to: Pepper-Hamilton LLP  
  Hamilton Square     600 Fourteenth Street NW     Washington DC 20005-2004    
Attention: Robert Murphy

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      [sedona.jpg] Master Software License Agreement Addendum No. 3 May 13, 2004

            3.  AMENDMENTS TO “MSLA” LICENSE SCHEDULE NO.1               3.1
Replace paragraph 1.1. “Software: The Software described by Licensor as Intarsia
and all components thereof, including but not limited to the components
(“hereinafter referred to as the Components”) known as Update Manager, Process
Manager, Report Manager, Data Source Manager, and Intarsia Portal as further
described in the Documentation. These are to be delivered by FTP only, as
opposed to disk. “               3.2 Replace paragraph 5.2. “Continuing Royalty.
All fees under Section 5.1 of this License Schedule shall be treated as
non-refundable, prepaid royalties for purposes of calculating continuing
royalties (“Continuing Royalty”). Except as provided in the preceding sentence,
Licensee shall pay Licensor, during the years, 2004, 2005 and 2006, Continuing
Royalty as follows:”                 3.2.1 Replace paragraph 5.2.1. “Licensee
shall pay to Licensor >Continuing Royalty on every Sale of any Licensed
Product(s) or Components to Client by Licensee. In no event shall the Continuing
Royalty be less than a pre-established minimum royalty (hereinafter referred to
as “Minimum Royalty”) paid by Licensee to Licensor on every Sale of any Licensed
Product(s) or Components. The Continuing Royalty and Minimum Royalty shall be
mutually agreed upon by Licensor and each Licensee’s business unit selling the
Licensed Product(s) or Components.”                 3.2.2 Replace paragraph
5.2.2. “Beginning on January 1, 2007 and thereafter, Licensor shall earn $2,500
royalty for each sale of the Licensed Product(s), provided Maintenance Services
are no longer provided by Licensor.”                 3.2.3 Add paragraph 5.2.3.
“Should Licensee provide the Licensed Product(s) or Components via an
Application Service Provider (hereinafter referred to as “ASP”) delivery model,
Licensee shall pay Continuing Royalty on any amount paid by Client to Licensee
for the Relative Contribution of the Licensed Product(s) or Components,
including the proportionate share of any initial set up and installation fees
for the length of the ASP contract. In no event shall the aggregate amount of
the Continuing Royalty during any one (1) year period of any ASP contract be
less than a pre-established Minimum Royalty paid by Licensee to Licensor for the
Relative Contribution of the Licensed Product(s) or Components, including the
proportionate share of any initial set up and installation fees for the length
of the ASP contract. The Continuing Royalty and Minimum Royalty shall be
mutually agreed upon by Licensor and each Licensee’s business units selling the
Licensed Product(s) or Components.”          

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      [sedona.jpg] Master Software License Agreement Addendum No. 3 May 13, 2004

 

            3.3 Replace paragraph 5.3.1. “From commencement of this License
Schedule, and in accordance with Section 9.2 of the MSLA as amended, Licensee
shall pay Licensor thirty percent (30%) of all maintenance fees, received by
Licensee from every Client, on the Relative Contribution of the Licensed
Product(s) or Components’ Sale (hereinafter referred to as “Level 3 Maintenance
Fee”). In no event shall the Level 3 Maintenance Fee be less than the mutually
agreed upon minimum maintenance fee (hereinafter referred to as “Minimum
Maintenance Fee”) paid to Licensor by each Licensee’s business units selling the
Licensed Product(s) or Components.”             3.4 Add Paragraph 5.3.3.
“Licensor shall provide, for a period of not less than one (1) year, Level 1
Support and Level 2 Support to any Licensee’s business unit requesting such
support services. For as long as Licensor is rendering Level 1 Support and Level
2 Support for the Licensed Product(s) or Components, Licensee shall pay Licensor
a mutually agreed upon percentage (“hereinafter referred to as “Level 1 and
Level 2 Percentage Fee”) on all maintenance fees received by Licensee from every
Client, In no event shall the amount paid by Licensee to Licensor for Level 1
Support and Level 2 Support services be less than a mutually agreed upon minimum
services fee (hereinafter referred to as “Level 1 and Level 2 Support Minimum
Fee”).”           4. GENERAL             4.1 This Addendum, including its
Exhibits and Appendices, embodies the entire agreement of the parties with
respect to the subject matter hereof and supersedes all previous agreements,
arrangement, and undertakings with respect thereto.             4.2 Each party
hereby acknowledges that it has not entered into this Addendum in reliance upon
any representation made by the other party not embodied herein.             4.3
No variation, modification, or amendment of this Addendum shall be binding on
either party unless such variation, modification, or amendment is in writing and
signed by duly authorized representatives of both parties.             4.4 The
prevailing party in any suit or action brought against the other to enforce the
terms of this Addendum or any rights or obligations hereunder, shall be entitled
to receive its reasonable costs, expenses, and attorneys' fees of bringing such
suit or action.             4.5 The section headings used herein are inserted
only as a matter of convenience and for reference and shall not affect the
construction or interpretation of this Addendum.             4.6 If any
provision of this Addendum is held to be unenforceable or invalid, the other
provisions shall continue in full force and effect.        

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            4.7 The failure of either party to insist on strict performance of
any of the provisions hereunder shall not be construed as the waiver of any
subsequent default of a similar nature.        

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      [sedona.jpg] Master Software License Agreement Addendum No. 3 May 13, 2004

IN WITNESS whereof, this Addendum has been executed as of the date hereof by the
following duly authorized representatives:

FOR AND ON BEHALF OF SEDONA BY:    

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SEDONA CORPORATION     1003 WEST 9TH AVENUE, SECOND FLOOR NAME: KING OF PRUSSIA,
PA19406

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FOR AND ON BEHALF OF FISERV   BY:    

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FISERV SOLUTIONS, INC.   NAME: 912 FORT DUQUESNE BOULEVARD  

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PITTSBURGH, PA 15222-3602   TITLE:    

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    DATE:    

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