EXHIBIT 10.48

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| |                                                  |             
| | ------------------------------------------------ | ------------
| | Master Software License Agreement Addendum No. 3 | May 13, 2004

ADDENDUMNO. 3TOMASTERSOFTWARELICENSEAGREEMENT DATEDAPRIL18,
2002

BETWEEN

FISERVSOLUTIONS, 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 9 th Avenue,
2 nd 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. | PAYMENTTERMS
| | -- | ------------
| |    |             
| |    | 1.1         

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|Proprietary and Confidential 2004 SEDONA
    Corporation | Page1
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| | 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 APRIL18,
    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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     

|                                                               |      
|-------------------------------------------------------------- | -----
|Proprietary and Confidential 2004 SEDONA
          Corporation | Page2
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| |                                                  |             
| | ------------------------------------------------ | ------------
| | 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 9thAvenue               
| |                 | 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          

|                                                               |      
|-------------------------------------------------------------- | -----
|Proprietary and Confidential 2004 SEDONA
          Corporation | Page3
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| | ------------------------------------------------ | ------------
| | Master Software License Agreement Addendum No. 3 | May 13, 2004

| |    |                                             |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              
| | -- | ------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | 3. | AMENDMENTS
    TOMSLA LICENSESCHEDULENO.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 Saleof
        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.
| |    |                                             |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              

|Proprietary and Confidential 2004 SEDONA
          Corporation | Page4
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| | 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          
| |    |         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  

|Proprietary and Confidential 2004 SEDONA
          Corporation | Page5
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| | Master Software License Agreement Addendum No. 3 | May 13, 2004



| |  |     |                                                                                                                                                                                               
| |  | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| |  | 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.
| |  |     |                                                                                                                                                                                               

|Proprietary and Confidential 2004 SEDONA
          Corporation | Page6
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| | ------------------------------------------------ | ------------
| | Master Software License Agreement Addendum No. 3 | May 13, 2004

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


|FOR AND
    ON BEHALF OFSEDONA      |  | BY:   
|----------------------------------- |  | ------
|                                    |  |       
|SEDONACORPORATION                   |  |       
|1003 WEST9THAVENUE,SECOND
    FLOOR |  | NAME: 
|KING OFPRUSSIA,
    PA19406         |  |       
|                                    |  | TITLE:
|                                    |  |       
|                                    |  | DATE: 
|                                    |  |       
|                                    |  | BY:   
|                                    |  |       
|                                    |  | NAME: 
|                                    |  |       
|                                    |  | TITLE:
|                                    |  |       
|                                    |  | DATE: 
|                                    |  |       
|FOR
    AND ON BEHALF OFFISERV      |  | BY:   
|                                    |  |       
|FISERVSOLUTIONS,
    INC.           |  | NAME: 
|912 FORTDUQUESNEBOULEVARD           |  |       
|PITTSBURGH,
    PA 15222-3602       |  | TITLE:
|                                    |  |       
|                                    |  | DATE: 
|                                    |  |       

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|Proprietary and Confidential 2004 SEDONA
          Corporation | Page7
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