50 EXHIBIT J LICENSED EQUIFAX MATERIALS None. 51 EXHIBIT K LICENSED CERTEGY MATERIALS DESCRIPTION OF INTELLECTUAL PROPERTY OWNER OF IP SCOPE OF LICENSE NAME OF LICENSEE ------------------------------ ----------------- ------------------------------ ---------------- U.S. Patent Application Serial Equifax Check Royalty free, non-exclusive, Equifax Inc. No. 09/845662, filed April 30, Services, Inc. worldwide, perpetual license 2001 and entitled "System and to make, practice, have made, Method for Secure Network use and import systems and Transactions" and related PCT processes covered by any Patent Application, filed patent that issues from the April 30, 2001 and entitled applications and to sell to "System and Method for Secure Equifax customers and Network Transactions." potential customers services based on such systems and processes; such license may not be transferred or sublicensed (other than to Equifax Affiliates), except pursuant to a state law merger or the sale of substantially all of the licensee's assets and the licensee has no right to authorize any third party to make, have made or sell the technology, whether or not for purposes of allowing such third parties to build and/or run their own payment systems. 52 EXHIBIT L UTILITY SOFTWARE PROGRAMS None, subject to the following: For purposes of this Exhibit L, "Unidentified Utility Software Program" means any utility software program (i) that is owned by any member of the Certegy Group or the Equifax Group, (ii) used in the business of the party that is not the owner thereof during the twelve (12) calendar months prior to the Closing Date, (iii) for which a continuing business requirement exists on the Closing Date, and (iv) that is identified, in good faith, by both parties as being a Utility Software Program within twelve (12) months following the Closing Date. The parties agree that the use of an Unidentified Utility Software Program by the party